Инвестиционный салон

Что ждет украинский рынок небанковского кредитования в будущем?

В последнее время сектор небанковского кредитования в Украине развивается очень быстрыми темпами. Только за 2015 год количество ломбардов выросло на 37%, а организаций микрокредитования — на 100%. Несмотря на то что подобные финансовые организации предлагают высокие процентные ставки по кредитам (порой эта сумма достигает 180%) они все равно пользуются спросом. Этому есть простое объяснение — сегмент небанковского кредитования отлично работает там, где нужны более быстрые и рискованные решения. В этом его основное преимущество перед банковской сферой.

В связи с этим, появились разговоры, что вскоре этот сектор сможет полностью занять нишу кредитования физических лиц. Так ли это и что в будущем ждет украинский рынок небанковского кредитования, нам рассказали эксперты, работающие в данной отрасли.

Юрий Костоглодов, управляющий партнер инвестиционной компании Icom-Capital.

- В последнее время сектор небанковского кредитования в Украине стремительно растет. С чем связана эта тенденция?

Это закономерность, глобальный мировой тренд, который пришел в Украину. Банковская сфера и сектор небанковского кредитования развиваются параллельно и отлично существуют вместе. Для примера, если вам нужно быстро купить хлеб, то вы идете в магазин возле дома, если вам нужно делать покупки — вы идете в супермаркет. То есть спрос и на те, и на другие услуги был, есть и никуда не денется.
С другой стороны, в Украине существует специфический тренд — чем слабее ситуация в банковской сфере, тем быстрее развиваются ломбарды и финансовые компании. Кредитование физических лиц в банках падает — кредитование ломбардами растет более быстрыми темпами. Банки восстанавливаются — темпы роста кредитования ломбардами снижаются. Это не говорит о полном отсутствии роста, только о снижении темпов: расти сектору небанковского кредитования в Украине еще есть куда.
- В процентом соотношении на данный момент, сколько кредитов выдается банками, а сколько ломбардами и финансовыми организациями?
Доля банков в кредитовании физических лиц составляет 95%, а сегмента небанковского кредитования — 5%.  Кредитный портфель ломбардов в Украине — 7 миллиардов  гривен, банков — 160 миллиардов гривен. Банковский сектор на порядки масштабней небанковского кредитования, и даже в условиях кризиса его роль в кредитовании физических лиц — доминирующая.

- Каковы перспективы развития сектора небанковского кредитования?
В Украине ломбардами и финансовыми компаниями выдано 10 долларов на душу населения для всей Украины. В Европе эта цифра достигла 10 тысяч евро. То есть, как вы видите, это только самое начало развития. Украинский сектор небанковского кредитования имеет возможность интенсивно расти еще 1,5-2 года, пока банковская система в стране не восстановится, а объем кредитования физических лиц не увеличится до уровня 2010-2011 года.
В Европе и США на сегодняшний день наметилась такая тенденция  —  финансовые организации превращаются в виртуальные финансовые супермаркеты. Это явление получило название «концепт ATAWAD» (anytime, anywhere, anydeviсe). У людей есть потребность иметь доступ к финансовому сервису постоянно — anytime, в любом месте, где бы они не находились, — anywhere и с любого устройства — anydeviсe.
В будущем, я думаю, эта глобальная тенденция дойдет в полном масштабе и до Украины. И в выигрыше будут наиболее технологичные компании, которые предложат какие-то новые финансовые решения.

Антон Хольченков, учредитель финансовой компании «Легкі гроші»
- Существует мнение, что будущее за технологичными финансовыми компаниями. Подтверждает ли это ваш опыт?
Мы знаем о том, что будущее за инновационными финансовыми организациями и стремимся к этому. Но на данном этапе есть определенные преграды. Например, наша первоочередная задача на сегодняшний день — полностью уйти от человеческого фактора в принятии решений по кредитам. Для этого нам нужно создать форму, которую человек бы заполнял в интернете, и система сама решала, стоит выдавать ему кредит или нет.
Чтобы добиться такого результата, нужно усложнить саму анкету, а это означает, что количество людей, которые смогут осилить её заполнение, резко уменьшится. Создать такую форму, которая будет давать заемщикам подсказки, — очень непросто, и это, наверное, верх мастерства. Мы сейчас активно над этим работаем.

- Какие еще проблемы существуют на рынке небанковского кредитования сегодня?
Наверное, самая глобальная проблема, которая существует на сегодняшний момент, — это отсутствие баз данных. Мы хотим быть технологичными и полностью оцифровать процесс выдачи кредитов, но  не можем этого сделать в связи с ситуацией в стране.
В Украине нет глобальных баз данных, с которыми можно было работать. Кроме того, большинство людей трудоустроены неофициально, а все зарплаты выплачиваются «в черную». Человек может работать нелегально и при этом быть платежеспособным, но когда нужно будет заполнять анкету в цифровом виде, что он будет писать? А главное, как анкета сможет вычислить, говорит ли правду заемщик, если это никак нельзя проверить? Вот и получается, что либо будет большое количество отказов и маленькое КПД, либо же будет большое количество выдач и маленькое количество возвратов. Как видите, украинский рынок микрокредитования еще не готов к такой оцифрованной системе.

- Эта ситуация может как-то разрешится в будущем?
Украина переходит к электронным паспортам. И будем надеяться, что в будущем появятся базы данных, из которых мы сможем брать информацию о том, какая у человека недвижимость, какой автотранспорт, какая кредитная история и так далее. И уже, исходя из этих данных, мы сможем понимать, насколько человек платежеспособен.

http://e-news.com.ua/show/405357.html

 

486 Comments

  1. I do agree with all of the ideas you’ve presented in your post. They’re really convincing and will definitely work. Still, the posts are too short for novices. Could you please extend them a bit from next time? Thanks for the post.

  2. Hello! I could have sworn I’ve been to this website before but after reading through some of the post I realized it’s new to me. Anyhow, I’m definitely glad I found it and I’ll be book-marking and checking back often!

  3. Yesterday, while I was at work, my sister stole my iPad and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is totally off topic but I had to share it with someone!

  4. Hello just wanted to give you a quick heads up. The words in your post seem to be running off the screen in Internet explorer. I’m not sure if this is a formatting issue or something to do with web browser compatibility but I figured I’d post to let you know. The layout look great though! Hope you get the problem resolved soon. Kudos

  5. The next time I read a blog, I hope that it doesnt disappoint me as much as this one. I mean, I know it was my choice to read, but I actually thought youd have something interesting to say. All I hear is a bunch of whining about something that you could fix if you werent too busy looking for attention.

  6. Great post and straight to the point. I am not sure if this is really the best place to ask but do you folks have any thoughts on where to hire some professional writers? Thx :)

  7. ytdjA9 Im obliged for the article post.Much thanks again.

  8. Thank you for your post.Really thank you! Want more.

  9. Very informative blog.Thanks Again. Cool.

  10. Im grateful for the blog article.Much thanks again. Will read on

  11. Wow, great article.Really looking forward to read more. Really Cool.

  12. Terrific post but I was wanting to know if you could write a litte more on this subject? I ad be very thankful if you could elaborate a little bit further. Kudos!

  13. There as definately a lot to learn about this issue. I love all the points you made.

  14. Incredible! This blog looks just like my old one! It as on a completely different subject but it has pretty much the same page layout and design. Outstanding choice of colors!

  15. I value the article post.Really thank you! Cool.

  16. You actually make it seem so easy with your presentation but I find this topic to be actually something which I think I would never understand. It seems too complicated and very broad for me. I am looking forward for your next post, I will try to get the hang of it! https://issuu.com/topsblog8/docs/steve-jobs-and-what-could-have-been

  17. Looking forward to reading more. Great blog post. Awesome.

  18. wow, awesome article.Really thank you! Awesome.

  19. It as not that I want to copy your internet site, but I really like the pattern. Could you let me know which style are you using? Or was it especially designed?

  20. You made some nice points there. I looked on the internet for the issue and found most persons will consent with your site.

  21. wow, awesome article post.Much thanks again. Really Great.

  22. Im obliged for the blog post.Really thank you! Really Great.

  23. Major thankies for the blog post.Really looking forward to read more. Fantastic.

  24. What happens to files when my wordpress space upgrade expires?

  25. website a lot of times previous to I could get it to load properly.

  26. ok so how to do it?.. i have seen people getting their blog posts published on their facebook fan page. pls help. thanks.

  27. Wow, fantastic weblog format! How lengthy have you been running a blog for? you made blogging look easy. The overall look of your website is fantastic, let alone the content!

  28. Thanks-a-mundo for the article.Really looking forward to read more. Will read on

  29. I visit daily some blogs and information sites to read articles

  30. Im grateful for the blog article.Really looking forward to read more.

  31. What as Happening i am new to this, I stumbled upon this I ave found It positively useful and it has helped me out loads. I hope to contribute & help other users like its helped me. Good job.

  32. Some genuinely choice content on this website , bookmarked.

  33. when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that,

  34. It’а†s truly a great and useful piece of info. I am happy that you just shared this helpful information with us. Please stay us informed like this. Thank you for sharing.

  35. Hi there, just became aware of your blog through Google, and found that it’s really informative. I am going to watch out for brussels. I?ll appreciate if you continue this in future. A lot of people will be benefited from your writing. Cheers! sarkari naukri 2019 https://penzu.com/public/21f1ce2e

  36. Very informative blog post.Really looking forward to read more. Really Great.

  37. Just Browsing While I was surfing today I saw a excellent post concerning

  38. Thanks-a-mundo for the blog post.Really looking forward to read more. Great. sex photos

  39. whoah this blog is great i love reading your posts. Keep up the good work! You know, many people are looking around for this information, you can help them greatly.

  40. They might be either affordable or expensive (but solar sections are certainly worth considering) based on your requirements

  41. Major thanks for the post.Really thank you! Really Great.

  42. Oracles gratuits en ligne voyeur voyance par tel

  43. Looking forward to reading more. Great blog article.Really thank you! Will read on

  44. site:

    wonderful points altogether, you simply won a new reader. What might you suggest in regards to your submit that you just made some days ago? Any sure?

  45. Very good article post.Really thank you! Really Cool.

  46. Its hard to find good help I am regularly saying that its hard to procure good help, but here is

  47. Whats Taking place i am new to this, I stumbled upon this I have found It absolutely useful and it has helped me out loads. I am hoping to contribute & aid other customers like its aided me. Good job.

  48. http://www.helios7.com/best-meditation-apps/ — Great article. I am going through a few of these issues as well..

  49. Im grateful for the article.Really looking forward to read more. Want more.

  50. This awesome blog is definitely interesting and besides informative. I have found helluva handy advices out of it. I ad love to return every once in a while. Thanks!

  51. It absolutely not agree with the previous message

  52. alternative therapies:

    I wanted to thank you for this great read!! I absolutely loved every bit of it. I have got you book-marked to check out new things you post… http://www.healthinputs.com/tag/skin/

  53. Say, you got a nice post.Really thank you! Cool.

  54. Very good post! We will be linking to this great post on our site. Keep up the great writing.

  55. of a user in his/her brain that how a user can understand it.

  56. Major thankies for the post.Thanks Again. Really Great.

  57. I think other web site proprietors should take this site as an model, very clean and great user friendly style and design, as well as the content. You are an expert in this topic!

  58. The issue is something which too few people are speaking intelligently about.

  59. Wow, great article.Much thanks again. Want more.

  60. When are you going to take this to a full book?

  61. This awesome blog is without a doubt entertaining as well as diverting. I have picked a lot of useful things out of this blog. I ad love to go back every once in a while. Thanks a lot!

  62. Wow, great article post.Much thanks again. Great.

  63. Utterly composed articles , thanks for entropy.

  64. Your style is very unique in comparison to other people I ave read stuff from. I appreciate you for posting when you ave got the opportunity, Guess I all just bookmark this page.

  65. write about here. Again, awesome website!

  66. Pretty! This has been an incredibly wonderful post. Thank you for supplying these details.

  67. Thank you for the great writeup. through the way, how could we communicate?

  68. I like reading through a post that can make men and women think. Also, thanks for permitting me to comment! http://10emma2diary.weebly.com/blog1/5069649828528525164845432-maktoob7-sports-betting-shortcut

  69. when I have time I will be back to read much more, Please do keep up the superb jo.

  70. I?d must test with you here. Which isn at one thing I often do! I take pleasure in studying a put up that may make individuals think. Additionally, thanks for permitting me to remark!

  71. pretty helpful stuff, overall I imagine this is worthy of a bookmark, thanks

  72. Thanks so much for the article.Much thanks again. Will read on

  73. us so I came to take a look. I am definitely enjoying the information.

  74. NIW:

    Really informative blog post.Thanks Again. Fantastic.

  75. Major thanks for the article post.Really looking forward to read more. Fantastic.

  76. Pretty! This has been an extremely wonderful post. Many thanks for providing this information.

  77. Thanks a lot for the blog article.Really thank you! Awesome.

  78. Wow, wonderful blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your website is wonderful, let alone the content!

  79. Pretty! This has been a really wonderful article. Thank you for providing this information.

  80. Some really wonderful information, Gladiola I found this.

  81. Thanks for sharing, this is a fantastic blog post.Much thanks again.

  82. Well I really enjoyed reading it. This post procured by you is very constructive for proper planning.

  83. wow, awesome blog post.Really thank you! Really Cool.

  84. Very informative blog post. Really Cool.

  85. Great information. Lucky me I discovered your blog by accident (stumbleupon). I have saved it for later! http://10emma2diary.weebly.com/blog1/watch-popular-netflix-movies-available-for-streaming

  86. This is one awesome blog.Really thank you!

  87. You acquired a really useful blog site I have been here reading for about an hour. I am a newbie and your accomplishment is extremely considerably an inspiration for me.

  88. Think about it I remember saying I want to screw

  89. You made some really good points there. I checked on the web for more info about the issue and found most individuals will go along with your views on this website.

  90. Really informative blog article.Thanks Again. Cool.

  91. I will right away seize your rss as I can at find your email subscription hyperlink or newsletter service. Do you ave any? Please let me realize in order that I could subscribe. Thanks.

  92. Whoa! This blog looks just like my old one! It as on a entirely different subject but it has pretty much the same page layout and design. Wonderful choice of colors!

  93. Wow! Thank you! I always needed to write on my website something like that. Can I implement a part of your post to my blog?

  94. This is my first time go to see at here and i am really pleassant to read all at one place.

  95. Im grateful for the article post.Really looking forward to read more. Keep writing.

  96. ItaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžs really a nice and helpful piece of info. I am glad that you shared this useful information with us. Please keep us informed like this. Thanks for sharing.

  97. pretty useful material, overall I feel this is worth a bookmark, thanks

  98. You could definitely see your expertise in the work you write. The world hopes for more passionate writers like you who are not afraid to say how they believe. Always go after your heart.

  99. It as exhausting to find educated people on this topic, but you sound like you understand what you are talking about! Thanks

  100. Rattling great information can be found on blog.

  101. Great post. I am facing a couple of these problems.

  102. you have got an amazing blog here! would you wish to make some invite posts on my blog?

  103. I got good info from your blog

  104. Wow, that as what I was seeking for, what a material! existing here at this web site, thanks admin of this website.

  105. Say, you got a nice article.Much thanks again. Much obliged.

  106. Thank you, I’ve just been searching for info about this subject for ages and yours is the greatest I’ve found out till now. But, what in regards to the conclusion? Are you positive in regards to the source?

  107. This is a wonderful site, might you be engaged in undertaking an interview regarding how you designed that? If therefore e-mail me!

  108. Im thankful for the blog.Really looking forward to read more. Awesome.

  109. Whoa! This blog looks just like my old one! It as on a entirely different topic but it has pretty much the same layout and design. Outstanding choice of colors!

  110. This very blog is definitely entertaining additionally factual. I have picked many interesting advices out of this blog. I ad love to go back over and over again. Thanks a bunch!

  111. Spot on with this write-up, I really believe this website needs much more attention. I all probably be returning to see more, thanks for the information!

  112. Way cool! Some extremely valid points! I appreciate you penning this article and the rest of the website is extremely good.

  113. Im grateful for the article post.Really thank you! Awesome.

  114. Thank you for your blog article. this site

  115. This is very interesting, You are a very skilled blogger. I ave joined your feed and look forward to seeking more of your wonderful post. Also, I have shared your web site in my social networks!

  116. This blog is really cool and factual. I have found a bunch of interesting stuff out of this blog. I ad love to return again and again. Thanks a bunch!

  117. Thank you for the auspicious writeup. It in fact was a amusement account it. Look advanced to far added agreeable from you! However, how can we communicate?

  118. Im thankful for the blog article.Really looking forward to read more. Really Cool.

  119. It as very trouble-free to find out any topic on web as compared to textbooks, as I found this

  120. Very nice article. I absolutely appreciate this site. Thanks!

  121. Very nice post. I just stumbled upon your weblog and wanted

  122. your articles. Can you recommend any other blogs/websites/forums that cover the same subjects?

  123. Some genuinely nice stuff on this web site, I like it.

  124. play:

    Thanks, I ave recently been looking for info about this subject for a while and yours is the greatest I ave found out so far. However, what concerning the bottom line? Are you sure about the source?

  125. Thanks again for the article post.Thanks Again. Awesome.

  126. May you please prolong them a bit from next time? Thanks for the post.

  127. What are the best schools for a creative writing major?

  128. Wonderful blog! I found it while searching on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I ave been trying for a while but I never seem to get there! Appreciate it

  129. lol. So let me reword this. Thanks for the meal!!

  130. Integer vehicula pulvinar risus, quis sollicitudin nisl gravida ut

  131. There is perceptibly a bundle to realize about this. I feel you made various nice points in features also.

  132. Of course, what a great site and illuminating posts, I surely will bookmark your website.All the Best!

  133. once per week. I opted in for your Feed too.

  134. Thanks so much for the blog post.Much thanks again. Really Great.

  135. pretty valuable material, overall I imagine this is worth a bookmark, thanks

  136. Major thankies for the article.Really looking forward to read more.

  137. It as good to come across a blog every once

  138. Thanks a lot for the post.Much thanks again.

  139. There is perceptibly a bundle to realize about this. I consider you made some good points in features also.

  140. Of course, what a great blog and educative posts, I will bookmark your site.Have an awsome day!

  141. What as up everybody, here every person is sharing such knowledge, therefore it as nice to read this blog, and I used to pay a quick visit this website everyday.

  142. You must participate in a contest for probably the greatest blogs online. I all advocate this internet site!

  143. The very best and clear News and why it means a great deal.

  144. Thanks a lot for the post.Much thanks again. Keep writing.

  145. I will right away grab your rss feed as I can at find your email subscription hyperlink or newsletter service. Do you have any? Kindly permit me realize in order that I may just subscribe. Thanks.

  146. Thank you for your blog post.Much thanks again. Fantastic.

  147. This blog post is excellent, probably because of how well the subject was developped. I like some of the comments too though I would prefer we all stay on the suject in order add value to the subject!

  148. Thanks for sharing, this is a fantastic article post. Awesome.

  149. Thanks-a-mundo for the blog.Really thank you! Want more.

  150. Way cool! Some extremely valid points! I appreciate you penning this write-up plus the rest of the site is very good.

  151. Is using a copyright material as a reference to write articles illegal?

  152. Websites we recommend Wow, amazing blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is fantastic, as well as the content!

  153. Real fantastic information can be found on site. I can think of nothing less pleasurable than a life devoted to pleasure. by John D. Rockefeller.

  154. I think this is a real great blog. Keep writing.

  155. Some really select posts on this website , saved to my bookmarks.

  156. I simply could not leave your site prior to suggesting that I extremely loved the usual information an individual supply to your guests? Is gonna be back incessantly in order to inspect new posts

  157. Inspiring story there. What occurred after? Take care!

  158. Truly appreciate the posting you made available.. Great thought processes you possess here.. sure, investigation is paying off. Enjoy the entry you offered..

  159. This web site definitely has all of the information and facts I wanted concerning this subject and didn at know who to ask.

  160. Wow, fantastic weblog structure! How lengthy have you been running a blog for? you make running a blog glance easy. The total glance of your website is magnificent, let alone the content!

  161. Im grateful for the post.Really thank you!

  162. please pay a visit to the web sites we follow, like this one particular, as it represents our picks in the web

  163. I was suggested this web site by my cousin. I am not sure whether this post is written by him as no one else know such detailed about my problem. You are incredible! Thanks!

  164. Spot on with this write-up, I absolutely feel this amazing site needs far more attention. I all probably be returning to read through more, thanks for the information!

  165. Thanks for sharing, this is a fantastic blog post.Really looking forward to read more.

  166. You can certainly see your enthusiasm within the work you write. The world hopes for more passionate writers like you who aren at afraid to mention how they believe. At all times follow your heart.

  167. pretty handy stuff, overall I believe this is worth a bookmark, thanks

  168. Thanks for sharing, this is a fantastic blog article.Really looking forward to read more. Really Cool.

  169. Very interesting information!Perfect just what I was looking for! Fear not that thy life shall come to an end, but rather fear that it shall never have a beginning. by John Henry Cardinal Newman.

  170. Really appreciate you sharing this article post.Thanks Again. Cool.

  171. It as hard to find knowledgeable people on this topic, however, you seem like you know what you are talking about! Thanks

  172. This in fact answered my problem, thank you!

  173. It as hard to come by educated people about this subject, however, you seem like you know what you are talking about! Thanks

  174. JD Oganis Robust Media Theme for Drupal

  175. Say, you got a nice article post.Much thanks again. Great.

  176. I used to be able to find good information from your blog articles.

  177. Well I sincerely liked studying it. This tip provided by you is very constructive for correct planning.

  178. Really appreciate you sharing this blog article. Cool.

  179. Simply wanna comment that you have a very decent site, I love the style it really stands out.

  180. your site. You have some really great posts and I feel I would be

  181. Someone essentially help to make significantly posts I’d

  182. Im thankful for the blog article.Thanks Again. Want more.

  183. Im thankful for the blog post.Really thank you! Much obliged.

  184. is this a trending topic I would comparable to get additional regarding trending topics in lr web hosting accomplish you identify any thing on this

  185. Wonderful article! We are linking to this great content on our site. Keep up the good writing.

  186. You have brought up a very excellent details, regards for the post.

  187. Whoa! This blog looks exactly like my old one! It as on a completely different subject but it has pretty much the same layout and design. Wonderful choice of colors!

  188. I enjoy forgathering utile info, this post has got me even more info! .

  189. Thank you ever so for you blog.Much thanks again.

  190. Muchos Gracias for your post.Really thank you! Cool.

  191. Wow! Thank you! I always wanted to write on my blog something like that. Can I implement a fragment of your post to my site?

  192. Way cool! Some extremely valid points! I appreciate you writing this write-up and also the rest of the website is also very good.

  193. This blog is without a doubt interesting as well as diverting. I have found a lot of helpful things out of this source. I ad love to come back again soon. Thanks!

  194. I saw a lot of website but I believe this one holds something extra in it.

  195. Really enjoyed this blog post.Thanks Again. Keep writing.

  196. you could have an excellent blog right here! would you prefer to make some invite posts on my weblog?

  197. Thanks-a-mundo for the post.Really looking forward to read more. Really Cool.

  198. Really appreciate you sharing this post.

  199. I value the blog.Really thank you! Really Cool.

  200. There are definitely plenty of details like that to take into consideration. That is a nice point to deliver.

  201. Thanks for the blog.Really looking forward to read more. Fantastic.

  202. Usually I don at read post on blogs, but I wish to say that this write-up very forced me to take a look at and do so! Your writing taste has been surprised me. Thank you, very great post.

  203. A round of applause for your blog.Really looking forward to read more. Awesome.

  204. Thanks so much for the article. Really Cool.

  205. to аАааАТƒ?me bаА аЂаck do?n thаА аЂаt the

  206. Perfectly written written content , regards for selective information.

  207. Wow! Thank you! I constantly wanted to write on my site something like that. Can I include a fragment of your post to my blog?

  208. Keep up the good work, I read few posts on this internet site and I conceive that your web blog is real interesting and has lots of excellent info .

  209. Major thanks for the article.Really thank you! Cool.

  210. your website a little bit more interesting.

  211. You have made some really good points there. I looked on the net for additional information about the issue and found most people will go along with your views on this website.

  212. really make my blog jump out. Please let me know where you got your theme.

  213. This website was how do I say it? Relevant!! Finally I ave found something that helped me. Thank you!

  214. Seriously.. thank you for starting this up. This web site is one thing that as needed on the web, someone with some originality! Here is my weblog useful reference

  215. I think this is a real great article post.Thanks Again. Want more.

  216. They can get more such compact discs they will captured at home for me to give attention to for in

  217. Wow, awesome blog structure! How long have you ever been blogging for? you make blogging glance easy. The whole look of your web site is fantastic, as well as the content material!

  218. what we do with them. User Demographics. struggling

  219. Perfect work you have done, this website is really cool with superb information.

  220. Thanks for sharing, this is a fantastic article post.Thanks Again. Will read on…

  221. Really informative article post.Really thank you! Really Cool.

  222. I wanted to thank you for this fantastic read!! I definitely enjoyed every little bit of it. I have got you book marked to look at new stuff you post… Vacancies — http://bit.ly/2XcO159+

  223. You are my intake, I own few web logs and very sporadically run out from brand . Analyzing humor is like dissecting a frog. Few people are interested and the frog dies of it. by E. B. White.

  224. Thanks a lot for the blog article. Fantastic.

  225. You made some nice points there. I did a search on the topic and found most guys will consent with your website.

  226. There as definately a great deal to learn about this issue. I really like all of the points you ave made.

  227. Very nice post. I just stumbled upon your weblog and wished to say that I ave really enjoyed browsing your blog posts. After all I all be subscribing to your feed and I hope you write again soon!

  228. «I’m impressed, I must say. Really rarely do I encounter a blog that’s both educative and entertaining, and let me tell you, you have hit the nail on the head. Your idea is outstanding; the issue is something that not enough people are speaking intelligently about. I am very happy that I stumbled across this in my search for something relating to this.»

  229. Wow, great article post.Much thanks again. Fantastic.

  230. A round of applause for your blog.Much thanks again. Fantastic.

  231. I think other web site proprietors should take this website as an model, very clean and fantastic user friendly style and design, as well as the content. You are an expert in this topic!

  232. Very nice write-up. I certainly appreciate this site. Keep it up!

  233. This is one awesome blog post.Much thanks again.

  234. Edna:

    What a funny blog! I truly loved watching this comic video with my family unit as well as with my mates.

  235. I truly appreciate this article.Thanks Again. Really Cool.

  236. runescape gold original tr??s tr??s adorable en compagnie de pochette avec aide -livraison dans ces date

  237. Really appreciate you sharing this article post.Much thanks again.

  238. Really appreciate you sharing this article.Thanks Again. Much obliged.

  239. There as certainly a great deal to find out about this topic. I like all the points you ave made.

  240. they have been a moment to consider taking a shot?

  241. Im grateful for the blog post.Thanks Again. Really Cool.

  242. Major thankies for the blog.Really thank you! Great.

  243. Looking forward to reading more. Great blog post.Thanks Again. Fantastic.

  244. I appreciate you sharing this blog post.Really looking forward to read more. Cool.

  245. terrific website But wanna state which kind of is traditionally genuinely useful, Regards to consider your time and effort you should this program.

  246. Very good blog article.Really thank you!

  247. Wow that was odd. I just wrote an really long comment but after I clicked submit my comment didn at appear. Grrrr well I am not writing all that over again. Anyways, just wanted to say excellent blog!

  248. What could you suggest in regards to your submit that you just made a few days in

  249. Its hard to find good help I am regularly proclaiming that its difficult to procure quality help, but here is

  250. I think this is a real great article post.Thanks Again. Much obliged.

  251. «Very neat article post.Really thank you! Much obliged.»

  252. I value the blog.Thanks Again. Want more.

  253. I think this is a real great article post.Much thanks again. Cool.

  254. site style is wonderful, the articles is really excellent :

  255. Major thanks for the blog.Really thank you! Great.

  256. Awesome article post.Much thanks again. Will read on…

  257. Would love to perpetually get updated outstanding web site!.

  258. I truly appreciate this article post.Really looking forward to read more. Awesome.

  259. referring to this article. I desire to read more things approximately it!

  260. I\ ave been using iXpenseIt for the past two years. Great app with very regular updates.

  261. Major thankies for the blog article.Really thank you! Great.

  262. Major thanks for the blog post.Much thanks again. Will read on

  263. This is really interesting, You are a very skilled blogger. I ave joined your rss feed and look forward to seeking more of your fantastic post. Also, I ave shared your website in my social networks!

  264. I truly appreciate this blog. Really Great.

  265. It as best to take part in a contest for among the best blogs on the web. I will advocate this site!

  266. Very polite guide and superb articles, very miniature as well we need.

  267. Thanks for the blog. Awesome.

  268. I really liked your article post.Really looking forward to read more. Keep writing.

  269. wow, awesome blog post.Really thank you! Cool.

  270. Fantastic blog.Really thank you! Keep writing.

  271. It is a beautiful picture with very good light-weight.

  272. Thank you for your blog post.

  273. Wolverine, in the midst of a mid-life crisis, pays a visit to an old comrade in Japan and finds himself in the midst of a power struggle.

  274. topic of unpredicted feelings. Feel free to surf to my web blog; how to Get rid Of dark Circles

  275. wow, awesome article post.Thanks Again. Really Great.

  276. Very informative article.Thanks Again. Great.

  277. Thanks-a-mundo for the post.Much thanks again. Really Cool.

  278. Way cool! Some extremely valid points! I appreciate you writing this write-up and also the rest of the site is extremely good.

  279. Im thankful for the article post.Really thank you! Great.

  280. indeed, analysis is paying off. sure, study is paying off. Take pleasure in the entry you given.. sure, research is paying off.

  281. Really informative article post.Really thank you! Really Great.

  282. I was really confused, and this answered all my questions.

  283. is incredible. It kind of feels that you are doing any unique trick.

  284. I truly appreciate this article.Really looking forward to read more. Keep writing.

  285. Appreciate you sharing, great post.Really thank you! Fantastic.

  286. It as nearly impossible to find well-informed people about this subject, but you sound like you know what you are talking about! Thanks

  287. Major thanks for the blog article.Much thanks again. Really Cool.

  288. wow, awesome article post.Much thanks again. Want more.

  289. Thank you for the good writeup. It in fact was a amusement account it.

  290. A big thank you for your post. Really Great.

  291. Thanks again for the blog post.Thanks Again. Want more.

  292. post:

    Im no pro, but I suppose you just made an excellent point. You naturally understand what youre talking about, and I can truly get behind that. Thanks for being so upfront and so honest.

  293. Thanks again for the blog article.Really looking forward to read more. Really Great.

  294. This is really interesting, You are a very skilled blogger. I ave joined your feed and look forward to seeking more of your fantastic post. Also, I ave shared your website in my social networks!

  295. I think this is a real great blog post.Thanks Again.

  296. Very useful info аАааАТ‚artаАаб‚Т€Т“cularly the last part I

  297. I loved your blog post.Really looking forward to read more. Fantastic.

  298. Great, thanks for sharing this post. Really Great.

  299. xlxx:

    I cannot thank you enough for the blog post. Great.

  300. Really appreciate you sharing this blog article.Much thanks again. Want more.

  301. This excellent website definitely has all the info I wanted concerning this subject and didn’t know who to ask.

  302. wow, awesome blog article.Much thanks again. Awesome.

  303. Major thankies for the blog.Really thank you! Much obliged.

  304. Utterly indited content, Really enjoyed looking through.

  305. Wow, great blog post.Really looking forward to read more. Great.

  306. when i was when i was still a kid, i was already very interested in business and business investments that is why i took a business course**

  307. Way cool! Some very valid points! I appreciate you writing this post plus the rest of the website is extremely good.

  308. Thanks-a-mundo for the blog.Really thank you! Keep writing.

  309. Major thanks for the post.Really thank you! Awesome.

  310. Really enjoyed this blog post.Really thank you! Keep writing.

  311. I am so grateful for your blog article.Really looking forward to read more. Fantastic.

  312. Really informative blog article. Really Cool.

  313. Salute Very helpful advice within this article! It is the little changes that will make the most significant changes. Thanks a lot for sharing! www @ https://mindhunter9.co.kr/online-casino/

  314. It’а†s actually a great and useful piece of info. I am happy that you just shared this useful info with us. Please keep us up to date like this. Thanks for sharing.

  315. the primary way to maximize SEO for a web site.

  316. Im obliged for the blog post.Really thank you! Will read on

  317. Wow! This can be one particular of the most helpful blogs We ave ever arrive across on this subject. Basically Fantastic. I am also an expert in this topic so I can understand your effort.

  318. if all webmasters and bloggers made good content as you probably did, the internet shall be much more useful than ever before.

  319. I really liked your blog article.Thanks Again.

  320. I loved your post.Really looking forward to read more. Cool.

  321. Great blog.Much thanks again. Will read on…

  322. I really like and appreciate your article.Really looking forward to read more.

  323. Fantastic blog article.Thanks Again. Keep writing.

  324. Fantastic article.Much thanks again. Awesome.

  325. I appreciate you sharing this blog.Really looking forward to read more. Fantastic.

  326. Thanks for a Interesting item; I enjoyed it very much. Regards Sang Magistrale

  327. There is noticeably significant dollars to comprehend this. I suppose you have made particular nice factors in functions also.

  328. I really liked your article post.Really looking forward to read more. Want more.

  329. Keep up the good work, I think you are doing a good job

  330. Excellent post! We are linking to this particularly great content on our website. Keep up the great writing. http://bit.ly/2VL2407

  331. Very neat article.Really thank you! Awesome.

  332. Very good article. I will be going through some of these issues as well..

  333. view:

    Salute Very useful advice within this post! It’s the little changes that make the greatest changes. Thanks a lot for sharing! http://wallinside.com/post-65957020-a-guide-to-real-world-new-york-accident-atto-ey-programs.html

  334. I really liked your article. Really Cool.

  335. I truly appreciate this article post.Really looking forward to read more. Really Great.

  336. Very good info. Lucky me I discovered your website by chance (stumbleupon). I’ve saved as a favorite for later!

  337. payday loan online no fax quick and easy payday loan

  338. themselves, particularly contemplating the truth that you could possibly have carried out it for those who ever decided. The pointers as well served to provide an incredible solution to

  339. There is perceptibly a lot to identify about this. I feel you made certain nice points in features also.

  340. You have made some good points there. I checked on the net to learn more about the issue and found most people will go along with your views on this site.

  341. Really enjoyed this article post.Really thank you!

  342. buy:

    look forward to new posts. my blog post viagra prix belgique

  343. I really liked your blog.Much thanks again. Will read on

  344. Sha:

    Wow! This can be one particular of the most helpful blogs We ave ever arrive across on this subject. Basically Magnificent. I am also an expert in this topic so I can understand your hard work.

  345. Alda:

    Really informative blog article.Really looking forward to read more. Really Great.

  346. Say, you got a nice article post.Thanks Again. Much obliged.

  347. You write Formidable articles, keep up good work.

  348. Some genuinely nice and utilitarian info on this website , besides I think the design and style contains fantastic features.

  349. I appreciate you sharing this article.Much thanks again. Will read on…

  350. you modify it yourself? Either way stay up the nice quality writing, it is

  351. You can certainly see your expertise within the work you write. The world hopes for even more passionate writers such as you who are not afraid to say how they believe. At all times follow your heart.

  352. Kay:

    Muchos Gracias for your blog post.Thanks Again. Really Cool.

  353. Sweet blog! I found it while searching on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I ave been trying for a while but I never seem to get there! Many thanks

  354. Yes. It should get the job done. If it doesn at send us an email.

  355. Muchos Gracias for your article post. Keep writing.

  356. This awesome blog is really awesome as well as diverting. I have picked helluva helpful advices out of this source. I ad love to come back again and again. Thanks a lot!

  357. This site was how do you say it? Relevant!! Finally I ave found something which helped me. Appreciate it!

  358. Red your site publish and loved it. Have you at any time thought about guest posting on other related blogs related to your blog?

  359. Thank You For Your Info. I like to browse in various places on the internet, often I will go to Stumble Upon and read and check stuff out

  360. Thank you ever so for you blog article. Much obliged.

  361. Looking forward to reading more. Great article.Much thanks again. Really Cool.

  362. There is noticeably a bundle to learn about this. I assume you made certain good factors in options also.

  363. Very neat blog article.Thanks Again. Keep writing.

  364. Wow! Thank you! I always needed to write on my blog something like that. Can I take a fragment of your post to my site?

  365. this side of the story. I was surprised that you are not more popular

  366. Very good blog post. I certainly appreciate this website. Continue the good work!

  367. I really liked your article post.Really thank you! Much obliged.

  368. Regards for helping out, great information. Considering how dangerous everything is, nothing is really very frightening. by Gertrude Stein.

  369. This is a topic that is near to my heart Thank you!

  370. Really informative article.Really looking forward to read more. Awesome.

  371. Well I really liked reading it. This post provided by you is very constructive for good planning.

  372. I truly appreciate this article post. Really Great.

  373. Thanks for all аАааБТ“our vаА аЂаluablаА аЂа• laboаА аБТ– on this ?аА аЂа•bsite.

  374. Eun:

    I think this is a real great article.Thanks Again. Keep writing.

  375. Typewriter.. or.. UROPYOURETER. meaning аАа’аАТ‚аЂТ˜a collection of urine and pus inside the ureter. a

  376. Muchos Gracias for your blog article. Keep writing.

  377. Thank you ever so for you article. Will read on

  378. I’а†ve read several just right stuff here. Certainly price bookmarking for revisiting. I wonder how a lot effort you set to create such a fantastic informative web site.

  379. Nice piece of info! May I reference part of this on my blog if I post a backlink to this webpage? Thx.

  380. Major thanks for the blog article.Thanks Again. Want more.

  381. Nona:

    Lea margot horoscope tarot de marseille gratuit divinatoire

  382. Very good blog post. I definitely appreciate this site. Stick with it!

  383. Love:

    WOW emphatically what I was looking representing. Came here by thorough on behalf of other

  384. Link exchange is nothing else but it is simply placing the other person as web site link on your page at suitable place and other person will also do same for you.

  385. I’а†ve learn several just right stuff here. Certainly value bookmarking for revisiting. I wonder how much attempt you place to create this type of great informative site.

  386. Great, thanks for sharing this blog post.Thanks Again. Want more.

  387. I really liked your article post.Really looking forward to read more.

  388. It is really a great and useful piece of info. I am glad that you shared this useful info with us. Please keep us informed like this. Thank you for sharing.

  389. Thanks-a-mundo for the blog post.Much thanks again. Really Cool.

  390. Search engine optimization, link management services is one of the

  391. I think this is a real great blog.Really looking forward to read more. Fantastic.

  392. Merely wanna state that this is very helpful , Thanks for taking your time to write this.

  393. particularly wonderful read!! I definitely appreciated every little

  394. I was able to find good information from your blog posts.

  395. Way cool! Some very valid points! I appreciate you writing this article and also the rest of the site is also really good.

  396. Thank you for the sensible critique. Me & my cousin were just preparing to do some research on this. We grabbed a book from our region library but I think I learned much more from this post

  397. Wow! Thank you! I permanently wanted to write on my site something like that. Can I include a portion of your post to my blog?

  398. Muchos Gracias for your article post.Thanks Again. Keep writing.

  399. I’ve been browsing online more than 3 hours today, yet I never found any interesting article like yours. It is pretty worth enough for me. In my opinion, if all webmasters and bloggers made good content as you did, the net will be a lot more useful than ever before.

  400. You might try adding a video or a picture or two

  401. What as up, I just wanted to mention, I disagree. Your post doesn at make any sense.

  402. Onie:

    Im grateful for the blog article.Much thanks again. Really Great.

  403. Would you be thinking about exchanging hyperlinks?

  404. Rattling clean internet site, thankyou for this post.

  405. It as really a nice and useful piece of info. I am glad that you shared this helpful information with us. Please keep us up to date like this. Thanks for sharing.

  406. Wow, great blog. Keep writing.

  407. Wow! This can be one particular of the most useful blogs We have ever arrive across on this subject. Basically Fantastic. I am also a specialist in this topic so I can understand your hard work.

  408. Modular Kitchens have changed the idea of kitchen nowadays because it has provided household ladies with a comfortable yet a sophisticated space in which they will invest their quality time and space.

  409. Really appreciate you sharing this blog.Really thank you! Want more.

  410. m88:

    It as in reality a great and helpful piece of information. I am satisfied that you simply shared this helpful tidbit with us. Please stay us up to date like this. Thanks for sharing.

  411. You have remarked very interesting details ! ps decent internet site.

  412. Louis Vuitton Online Louis Vuitton Online

  413. Wonderful article! We are linking to this particularly great article on our website. Keep up the great writing.

  414. Wow, fantastic blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is magnificent, let alone the content!. Thanks For Your article about sex.

  415. What as up, I read your new stuff regularly. Your writing style is witty, keep it up!

  416. Many thanks for sharing this great piece. Very inspiring! (as always, btw)

  417. Well I definitely enjoyed reading it. This subject provided by you is very useful for accurate planning.

  418. Really appreciate you sharing this blog.Really looking forward to read more. Really Great.

  419. It as hard to locate knowledgeable individuals within this topic, having said that you be understood as guess what takes place you are discussing! Thanks

  420. Thank you a lot for sharing this with all folks you actually

  421. It was big joy to detect and read this comprehensive blog. Fantastic reading!

  422. You have mentioned very interesting points ! ps decent website. What a grand thing, to be loved What a grander thing still, to love by Victor Hugo.

  423. Right now it seems like Movable Type is the best blogging platform available right now. (from what I ave read) Is that what you are using on your blog?

  424. Utterly pent content material , appreciate it for selective information.

  425. Wow, superb blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is great, as well as the content!

  426. There are so many choices out there that I am completely confused.. Any tips? Thank you!

  427. here:

    The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

  428. This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of «neighbors» will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune «Social» is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

  429. What a funny blog! I actually enjoyed watching this humorous video with my relatives as well as with my friends.

  430. Thank you for your article post.Really looking forward to read more. Really Cool.

  431. Its fantastic as your other posts , thank you for putting up.

  432. Major thankies for the blog.Thanks Again. Great.

  433. Very informative blog article.Thanks Again. Great.

  434. Tai:

    It as not that I want to copy your web page, but I really like the style and design. Could you tell me which theme are you using? Or was it custom made?

  435. Thanks a lot for the post.Much thanks again. Awesome.

  436. Thanks so much for the blog.Really thank you! Want more.

  437. Some truly good information, Gladiola I discovered this.

  438. Pretty! This was a really wonderful article. Thanks for providing this information.

  439. to be good. I have bookmarked it in my google bookmarks.

  440. Lovely site! I am loving it!! Will come back again. I am taking your feeds also.

  441. What as up i am kavin, its my first time to commenting anyplace, when i read this post i thought i could also make comment due to

  442. Simply desire to say your article is as surprising.

  443. This is a great tip particularly to those fresh to the blogosphere. Short but very accurate info Thanks for sharing this one. A must read post!

  444. It as really a great and helpful piece of information. I am glad that you shared this useful information with us. Please keep us up to date like this. Thank you for sharing.

  445. I truly enjoy looking at on this website , it contains fantastic articles.

  446. we like to honor numerous other world-wide-web web-sites around the internet, even when they aren

  447. This tends to possibly be pretty beneficial for a few of the employment I intend to you should not only with my blog but

  448. You made some clear points there. I did a search on the subject matter and found most guys will consent with your site.

  449. Pretty! This was an extremely wonderful article. Thanks for supplying this info.

  450. There is certainly a great deal to know about this topic. I like all the points you made.

  451. keep it up! I all go ahead and bookmark your site to come back later. Cheers

  452. You made some nice points there. I looked on the internet for the issue and found most individuals will approve with your blog.

  453. thanks so much.It make me feel better. I can improve my E and have opportunities in my job

  454. Regards for all your efforts that you have put in this. Very interesting information.

  455. This website definitely has all of the information and facts I wanted concerning this subject and didn at know who to ask.

  456. pals ans additionally sharing in delicious. And of

  457. Spot on with this write-up, I really think this website wants way more consideration. I all most likely be once more to learn rather more, thanks for that info.

  458. you have a great blog here! would you like to make some invite posts on my blog?

  459. Impressive how pleasurable it is to read this blog.

  460. Thanks-a-mundo for the post.Thanks Again. Fantastic.

  461. What as up to all, for the reason that I am truly keen of reading this website as post to be updated regularly. It carries good information.

  462. of a user in his/her brain that how a user can understand it.

  463. Thanks for the blog.Thanks Again. Much obliged.

  464. Your style is so unique in comparison to other people I have read stuff from. I appreciate you for posting when you have the opportunity, Guess I all just book mark this site.

  465. I truly appreciate this post. I ave been looking all over for this! Thank goodness I found it on Bing. You have made my day! Thx again..

  466. Major thanks for the article.Much thanks again. Much obliged.

  467. Really informative article.Much thanks again. Great.

  468. The place else may anybody get that type of info in

  469. There is obviously a lot to identify about this. I feel you made certain nice points in features also.

  470. I truly appreciate this article post.Really thank you! Cool.

  471. I think this is a real great article.Really thank you! Cool.

  472. Appreciate you sharing, great blog post.Really looking forward to read more. Keep writing.

  473. Great article post.Thanks Again. Really Cool.

  474. Thank you for your post.Thanks Again. Fantastic.

  475. Thank you for your blog post.Much thanks again.

Post a Comment


 

Контакты

ICOM Capital, LCC
ул. Сковороды, 6, оф. 2
Киев 04070
Тел./факс: +38 (044) 425 97 03
e-mail: office@icom-capital.com.ua

Поиск по сайту