What’s New?

Quarterly
NEWSLETTER
October - December 2022

CEO’s Message

Dear Stakeholders,

A happy new year to you all! I hope you celebrated the start of 2023 safely
and in good spirits with family and friends. As we mark the final days of the
festive season, I want to take a moment to look back on 2022 and thank
you all for your contributions over the past 12 months.

We continue to build FinClub as a business for the long term and 2022
delivered some key milestones on this endeavour. Team size and shape
continue to evolve and we now count 19 on our team with a view to contin-
ue to bolster resources in 2023, always looking to add talent and resource
in line with our success, and not ahead of it. 2023 is set to be another excit-
ing year for us. We look forward to working further on the many initiatives
- to deliver the best services and technology, offer an outstanding cus-
tomer experience, and continue to unlock smiles and transform lives.

With a good track record of delivery behind us, we feel we are in a strong
position today to create value for all our stakeholders in 2023 and beyond.
In many ways we continue to feel like we are only getting started.

I wish you and your loved ones a happy and successful 2023!
Sanjay G. Mungur
Founder & CEO
Finance Club Ltd

BORROWERS
Key Figures as at 31 December 2022

# Loan Application Value (MUR) # Loan Approved Value (MUR)

3,624 252,067,000 264 17,424,500

Default Rate Gender Diversity

Female Male

0% 43% 57%

DID YOU KNOW?

Our loans are fixed-rate loans. The interest rate for a fixed-rate loan
remains fixed for the term of the loan, and it does not change with
fluctuations in the Bank of Mauritius’ Repo Rate or inflation. It means
that the loan costs and monthly payments will remain consistent
during the entire period of the loan.

Apply Now

LENDERS
Key Figures as at 31 December 2022

# Investors Average Investments (MUR) Total Investments (MUR)

159 47,670 13,637,500

# Loan Posted Value of Loan Posted (MUR) Value of Loan Disbursed (MUR)

94 6,168,500 5,847,000

# Fastest Funding Quickest Funding (MUR) Fund Raised (MUR)

1hr 4mins Same Day
14 300,000 685,000

# New Lenders Total Repayment (MUR) Total Interest Paid (MUR)

16 2,145,488 203,120

Lenders’ Review

Dr. Kumar D. Miss. Amisha Bissoondial

- Mathematician - Accountant

Finclub genuinely cares about my growth. As a lender,
it makes me happy to see my money working harder
than I do, but what matters most is how I contribute to
making the borrowers happy.
The power of compound interest and reinvestment of
funds is a lenders’ best friend.
As an accountant by profession , I always wanted to invest
either in shares or projects. Through FinClub, I find it easy
to fulfill one of my dreams as we are not obliged to invest
huge amounts in a particular project and we can do it any-
time and anywhere on their platform.
No information is hidden, as the lender I know to whom I
have lended money and for what purpose. There is no kind
of stress. In other words, it helps me to save money for the
future as well.

COMING SOON
Lenders Referral Program

Invite Friends & Earn

up to MUR 20,000 per referral*
Introduce your friends to the easiest way to grow their wealth

01 02 03

Register as a Lender and Log in to your account Your friends register as a

activate your account on to visit ‘Referral’ and start Lender and start investing.
FinClub.mu referring using your unique You earn everytime they do.
link
Terms & Conditions apply*

Follow us and stay updated

GROWING YOUR WEALTH IN 2023 WITH P2P LENDING

01 Start Slow 02 Know Your Risk Tolerance

Don’t feel like you need to rush and lend large amounts
of money. Take advantage of the opportunity to lend
smaller amounts, even MUR 1,000 per loan. Having a
smaller amount invested at the beginning will give you
time to understand the lending platform and prevent
yourself from making costly mistakes.
Everyone has a risk level they’re comfortable with. You
need to know yours before you begin investing. As with all
investments, the higher risk usually equals a higher
reward. Lending to a low-grade borrower will bring in
potentially higher yields but greater risk than lending to a
high-grade borrower. Think carefully about how much risk
you are prepared to take.

03 Diversify Your Loans 04 Reinvest Your Returns

If you want to minimize the risk of defaults and protect Do not cash out your P2P returns straightaway. Take
your investments, aim to invest in at least 100 different advantage of the compounding returns by continually
reinvesting your returns into new loans.
loans. If your money is diversified across hundreds or
thousands of loans, your profits are likely to be higher
than your defaults.

05 Use Automation to Reinvest 06 Keep a Strong Emergency Fund

Keeping your principal and interest fully invested is the Before you become a P2P lender, make sure that you
best way to make the most of your investments. If you have a strong emergency fund that can cover your own
personal expenses. You won’t able to withdraw money
have to decide about every MUR 1,000 investment man-
from the P2P platform on a whim.
ually, P2P lending won’t be worth your time. Make use of
FinSmart, our automation investment tool, and let the
lending platform do the dirty work for you.

EVENTS

October

01 MBN Business Expo 2022 02 Lenders’ Clinic Nottingham Alumni

FinClub was amongst the participants at the MBN
Business EXPO 2022 at Honoris Educational Net-
work. Organised by the Mauritius Business Net-
work, the expo promoted 100+ enterprises.
The Nottingham Universities Alumni present in Mauritius
was invited for this lenders clinic. Our CEO, Sanjay G.
Mungur gave an in depth explanation of how Fintech can
help them make money through our Peer to Peer Lending
Platform FinClub.mu

November

01 Diwali Giveaway 02 FinTech Workshop at UTM

Our contest made 3 lucky winners for our Diwali FinClub was invited by the University of Technology,
Giveaway, who each won a Rs 1,000 voucher from Mauritius for a 3-day workshop on Peer to Peer Lending.
Jetha Tulsidas. The prize giving ceremony was
held at our offices in the presence of our Founder
& CEO, Mr Sanjay G. Mungur.

03 Edith Bridal Show

Our Team participated at the EDITH is getting
married - Bridal Show 2022 at Edith Cavel, Port
Louis to promote its personal loans for wedding
and other personal projects with FinClub.

December

01 Le Wagon 02 Christmas Market at Les Arcades

Currimjee
Our CEO, Sanjay G. Mungur was the guest speaker
of Le Wagon Tech Talk on their campus. Click here To further increase its reach and visibility, FinClub partici-
to watch the talk. pated in the Christmas Market organized by Les Arcades
Currimjee on 23 & 24 December 2022.
Link:https://www.youtube.com/watch?v=so8-
baUQmz0I

03 Lifestyle Counselling Session

For Staff
As part of our employee welfare initiatives, our staff
had the opportunity to attend a free lifestyle coun-
selling session organized with GymLife at Ebene.

EVENT PHOTOS

UPCOMING EVENTS & INITIATIVES

01 02 03 04 05

FinPro Valentines Day Corporate Mall Activations System

(Loans For Giveaway Contest Lender (Assisted applications) Enhancements
Professionals)

DID YOU KNOW?

Successful investors have achieved

returns of over 10-12% p.a.*

Invest Now

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Borrowing and Lending Made Simple

(230) 468 7400 finclub.mu info@finclub.mu 57 Ebene Mews, Rue du Savoir,

Ebene CyberCity, Ebene 72201, Mauritius