Moolah Sense Blog

MoolahSense

Statistics

Platform Statistics

15,081

REGISTERED INVESTORS

824

COMPLETED CAMPAIGNS

S$74.38M

Total Funding


Last updated: 22 Feb 2019

Rate Of Return

  • The rate of return is computed as interest payments less fees and charges divided by the loan amount, expressed as a percentage. 
  • Late interest payments received are not included in the computation.
  • Where Promissory Notes do not mature within the year of computation, the rate of return is computed based on their expected interest payments as defined in the respective Note agreements.
  • The computation excludes Promissory Notes that are in arrears past 30 days, i.e., any monies collected before and during the delinquency period are not considered in the Rate of Return computation for these Notes.

Year

Lowest

Highest

Weighted Average


2017

2018

4.82%

5.90%

25.26%

16.82%

9.73%

9.9%

As of 31 Dec 2018

Non-Performing Loan Rate

  • The computation of Non-Performing Loan (NPL) rates are based on total outstanding amounts of the notes till maturity. 
  • For Promissory Notes with overdue and unpaid amount past 30 days, the entire outstanding amount till maturity is considered.
  • MoolahSense takes a conservative stand on the computation of the NPL Rates. The NPL Rates are a snapshot on the Notes' performance as at 31st December of each calendar year where subsequent successful recovery of monies are excluded in the computation. 

Year

> 30 days and < 90 days

> 90 days


2017

2018

4.36%

14.82%

4.46%

13.64%

As of 31 Dec 2018

NOTE:

  • The Rate of Returns and Non-Performing Loan rates computed are based on Promissory Notes issued within the year of computation.
  • As MoolahSense was awarded the Capital Markets Services Licence in November 2016, the statistics do not take into consideration Promissory Notes issued prior to January 2017.
  • Though the calculations above are based on overdue of 30-90days and >90days, MoolahSense classification of loan is based on the industry‚Äôs best practices similar to credit agencies and central banks such as MAS and HKMA. For more information on MoolahSense Loan Classification, please read here.

DISCLAIMER

The calculations, methods and formulas herein (a) are designed to be informational and educational tools only, and do not constitute financial or investment advice, (b) should not be regarded as an offer, solicitation, advice or recommendation to buy or sell any investments, securities or any other financial services or products, and (c) do not include or consider additional fees, charges, costs or taxes that may be imposed or charged. There is no guarantee that the calculations, methods and formulas herein are reliable, accurate or complete or that they will be compatible with or represent the actual measure of your investments or investment objectives. MoolahSense is not liable for any errors or omissions in the calculations, methods and formulas herein.


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Investor

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