Friday, 5 July 2013

Why Would an Employer Give an Employee an Informal Loan? Commitment

Richard Hunt and Mat Hayward fom the University of Colorado were interested in employees who asked their employer for a loan, because they had no money but, for instance, had to buy a car, pay for their daughter’s wedding, medical bills, buy food and utilities, or faced home eviction. Therefore, they undertook to survey and interview small and medium-sized building contractors in Colorado.  No fewer than 67 percent of companies lent at least one of their employees money, with an average of about $1,100. Hunt and Hayward looked at 83 of them in more depth.

The first thing they found out was that, of the 459 loans that these 83 companies in combination handed out to one of their employees, no fewer than 57 percent were completely informal; meaning without any contract or any other formal enforcement mechanism. Why would firms do this? Even if they wanted to lend them money, why not give them a contract for the loan? This was puzzling because making it an informal, instead of formal loan with a contract, left the employer vulnerable to cheating by the employee. Because the employee simply could not pay back, or eventually even somehow inform the tax authorities (since informal loans are illegal). Why would employers voluntarily take that risk?

Hunt and Hayward theorised that employers granting the loan sometimes deliberately make themselves vulnerable towards the employee - by choosing an informal arrangement rather than a contract – to solicit trust and commitment from the employee. Granting a loan to a valuable employee in his time of need and do that in a way which explicitly makes the employer itself vulnerable could create substantial commitment and reciprocity from the employee, grateful for the loan and honoured by the trust placed upon him.

In conformity with this theoretical perspective, Hunt and Hayward found that informal loans were indeed more often extended when the employee needed the money for something personal and emotional, such as a wedding, a graduation, or to pay medical bills. When the loan concerned buying stuff (e.g. a car), paying off a credit card debt or rent, employers more often resorted to a formal contractual loan.

Moreover, Hunt and Hayward conjectured that employers would be more likely to make such an informal loan (rather than a formal, contract-based one) to employees who they were more eager to keep. And indeed they found that the informal loans were more often extended to better performing employees; those that were neither very young nor old (but just the right age to be both experienced and still have many productive years ahead of them), and at a time when the firm was most dependent on them, because it was still relatively new and small, and did not yet have a big backlog in terms of outstanding work assignments.

The question is: Did it work? Does extending an informal loan – at thus putting yourself at risk of being cheated on – result in improved (financial) performance? Hunt and Hayward showed that the answer is a resounding yes: their findings indicated that employers were better able to retain employees to whom they had extended such a loan. Furthermore, their calculations showed that it resulted in enhanced employer profit. Hence, making yourself vulnerable (by not asking for a formal contract) eventually paid off in financial terms.


 

Paper presented at the “Sumantra Ghoshal Conference for Managerially Relevant Research” at the London Business School
Our vulnerability is my gain: Linking exchange parties’ vulnerability to informal transactions and firm performance. Richard Hunt & Mathew Hayward (University of Colorado at Boulder)
Paper summary published with permission from the authors.

51 comments:

Loan4india said...

very useful blog you offering business loan program keep it... if you want know... Project loan,home loan,business loan loan against property just visit here... http://www.loan4india.com/

Ranjit Singh said...

Nice information appreciate your work
Payday Loans

Albert Luis said...

Good Article thanks for share.
Cash Advance Chicago

Nathan leo said...

I'm happy to find numerous useful info here in the post. I would really like to come back again right here for likewise good articles or blog posts. Thanks for sharing...
Sell Gift Cards

ban paul said...

Find very useful information. After read so many blogs…. Thanks
Cash For Gift Cards Seattle

Jessica Walker said...

I really appreciate the efforts you've given in writing this valuable information. Loans For Business Start Up‎ is really an important factor if you are planning to put up a business. It can help you answer your financial problem.

Justin Albert said...

Loans are necessary to meet general requirements. This is an amazing post that teaches me many things that I have never read before.
Personal Loans

Shiwani said...

Well, it’s a nice one, I have been looking for. Thanks for sharing such informative stuff.
For more details, Please visit our website @ http://www.rvwireteknologies.com/

Cash Pay said...


I read this blog really this is great post

billpayday.com

Joseph Roolins said...

Each time I used to always check blog posts within the first hours in the break of day, because I like to get information increasingly more.north carolina payd loan

Bill Salouris said...

Well, if your employee needs money they can loan to their employer. I just wish your employer is very understanding to approved your loan.

elizabeth forbes said...

Hello, Good day to everybody reading this,

My name is Elizabeth Forbes from United States. I want to thank Mr John Michaels who helped me to get a loan. For the past three months, I have been searching for a loan to settle my debts, everyone tried to dupe me of my money until I finally met Mr John. He was able to give me a loan of $10,000 USD. He can also help you. He has also helped some other colleagues of mine. If you need any financial help, kindly contact his company through email: aceloanservices@hotmail.com I believe he can help you. Contact him to get help just as he helped me. below are his words of encouragement to those seeking for a legit and honest private loan lender.

"Do you need a loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for other various purpose? email: aceloanservices@hotmail.com"

Thank you for reading and good luck.

Dora Ali said...

very useful information.

Osman raheem said...

Are you looking for a Loan to enlarge your business? Do you need loan to pay off your debt and start a new life? You have come to the right place were we offer Loans at a very low interest rate of 3%. Interested people/company should please contact us via email for more details.

Application For loan
First Name:
Last Name:
Date Of Birth:
Address:
Sex:
Phone No:
City:
Zip Code:
State:
Country:
Nationality:
Occupation:
Monthly Income:
Amount Needed in currency:
Duration:
Purpose of the loan:
E-mail address:
Where did you hear about us?

Email: osmanloanserves@gmail.com

chansara said...

Love to read it,Waiting For More new Update and I Already Read your Recent Post its Great Thanks. אפשרות הלוואה לחברה

jack said...

I am very grateful to inform the general public about this kind of agency who sanction loan. When I started my business at the initial time,I urgently need a hard money loan but nobody could help me out,a close friend of mine offer me to visit TRUST LOAN FIRM.LINK to get a loan and to God be the glory I got a loan and finance the business. It's so easy to apply and their interest rate is very affordable,contact them via email: apexexpressloanoffer@gmail.com for your own loan amount.
Thanks,

High PR backlinks SEO said...

I am appreciating it very much! Looking forward to another great article.
payday loans

Kate Lisa Loans said...

Welcome To KATE LISA CREDIT SOLUTION

Email : kate_solution@hotmail.com
Mobile : +2347050251612
Contact : Mrs Kate Lisa

Do you need a loan? Are you in a financial crisis or needs money to start your own business? Do you need loan to settle your debt or pay your bills or start a nice business? You have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutions? Here is your chance to get a loan from our Organization. We offer loans to individuals for the following purposes and much more. Personal Loan, Business Expansion, Business Start-up, Education, Debt Consolidation, Hard Money Loans. We offer loan at low interest rate of 3%. contact us today for more information on how to apply for a loan and i assure you we render 24 hours loan delivery service. Your financial breakthrough is our desire. contact us via email for more information. Email : kate_solution@hotmail.com

Devid said...

All Institute in India
Top 10 Nursing Institute in India
Ayurveda Institute in India
Top 10 MBA Institute in India
Top 10 Law Institute in India
Top 10 MCA Institute in India
Top 10 Dental Institute in India
B.Arch Institute in India
Engg Institute in India
MCA Institute in India
Top 10 Medical Institute in India

Calvin Scott Financial Loan HOME said...

Dear Loan Seekers!

Do you need easy qualifying Business or personal loans from $5,000 - $10,000,000? Bad credit or Good credit, makes no difference with us. 2% of applications are approved within 72Hours. To apply, get in touch with us via: website: http://calvinfinancialloanhomes.bravesites.com OR
Tel: (+1) 501-429-4519
Tel: (+1) 501-404-7495

Sincerely,

Thank you.

Dan said...

Hello Applicants all over the world.

My name is Fred Davidson and i give out loans at a low interest rate of 3%.

Any interested applicant should hurry in application because you might not get this opportunity in the nearest future.

We give out all types of loan and any kind of amount you might be in need of.

We are real and legit people and we can reply to your email at anytime you want us to. We work 24 hours a day and 6 days a week. Our workers are well behaved and we speak good English. We work with real loan seekers, not scams. And anybody who thinks he/she will try to bring my business down all in the name of applying for a loan and not getting back with our money will have to face judgement and a loan term prison sentence.

If you are really interested in this offer, contact us today through email so that we can start business ASAP.

Email us today at fredloanfirm2@yahoo.com for your loan transaction to get started.

We await your application.

Best Regards
Fred Davidson

Andrew Thompson said...

How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

Nancy Leonard said...


Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: ramzan_help@hotmail.com

*Personal Loans
*Commercial Loans
*Investments Loans
*Development Loans
*Consolidation Loans
*Student Loans
*Car Loans
*Mortgage Loans
*Acquisition Loans
*Construction loans

We offer loan at low interest rate of 3% and with collateral and not Collateral, we offer personal loans, debt consolidation loans, venture capital Capital, business loan, education loan, mortgage or Loans for any reason".

However, our method offers the possibility to specify the amount of the loan needed and also the duration you can afford it, gives you a real Chance get the funds you need!

Contact us via E-mail: ramzan_help@hotmail.com

Anthony Cruz Investment said...

Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: quickcashinvestment2933@gmail.com

Thanks

Patricia Kingsman Préstamos said...

My name is Mrs Patricia Kingsman we are a new legit loan lenders of 2016 and we like to help any body that need financial help we offer as from $500,000.00 to $5,000.000.00 and above that so if you need help kindly send us an email on:patriciakingsman.loans2016@gmail.com so that your loan transaction can take place now you will be with your loan in the next 24 hours it is a fast transfer and is safe without any delay. So email patriciakingsman.loans2016@gmail.com if interested.

Email:patriciakingsman.loans2016@gmail.com

Sharon Coolidge said...

I live in UK London and i am a happy man today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 U.S. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Anita, that refer you to him. contact Mr.Alfred Kessinger,via email:(am.invest@hotmail.com)Thank you

Anonymous said...

Hello i am Tara Johnson,i live in Lawton U.S.A and i am a single mom,i had financial problem and it was very bad but thank God for this private lender Mrs Shenelle Williams who helped me with a loan of 50,000usd and now we are good all thanks to Mrs Williams.
if you know that you are in need of an urgent loan i would advise you to contact Mrs Shenelle Williams at Email:s.williams222@outlook.com
Thank You And God Bless.

Wade Lucie said...

Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loan, car loan, personal loan, home loan, auto loan,student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over world. contact our company email: joselonganfirm88@gmail.com for more informations.

Anonymous said...

Loan offer without any advance payment if you are in interested contact us via (royalloanfinance@hotmail.com) only valid identity card is require for identification before the loan can be transfer to you. Apply now.

James Morris said...

Hello,

My name is Lennox Oliver. I live in USA Florida and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.

If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mr, Lennox Oliver referred you to them.

contact via E_mail: markwilliamloanhelp@gmail.com

Wade Lucie said...

Do you seek funds to pay off credits and debts? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? JOse Loan Company is the answer. Email (joselonganfirm88@gmail.com)

We offer the following types of loans

*Debt Consolidation Loans
*Business Loans
*Personal Loans
*Home Loans
*Car Finance
*Commercial Loans
*Investments Loans
*E.T.C

Note: We give you loan with a low interest rate of 2% and loan duration of 1 to 20 years to pay back the loan (secure and insecure). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email { joselonganfirm88@gmail.com }

Osman raheem said...

Brothers/Sister's. Are you looking for loan to finance your large or small business,we'll help you get the large amount of loan you desire for your business,we offer first class business and commercial loan to enable small scale business attain success in obtaining start up or refinance their business Bad credit rating accepted and poor business performance are accepted.apply today via email ( osmanloanserves@gmail.com

Michiel Hoogstrate said...

Hello
You need a comfortable loan to your satisfaction?
Rate loan offer @ 3% interest rate available for local affordable
and international borrowers.
We are certified, trustworthy, reliable, efficient, fast
dynamic and we cooperate with our customers.
We long-term credit fifty years maximum
contact us at (Xlcatlinloanfirm@gmail.com)


LOAN APPLICATION
FIRST NAME: ................................
GENDER: .........................
CIVIL STATUS: ...........................
CONTACT ADDRESS: ................................
CITY / ZIP: .................
COUNTRY: .................
AGE: ............
AMOUNT NEEDED AS LOAN: ..............
LOAN DURATION: ...............
MONTHLY INCOME: .............
OCCUPATION: ............
PURPOSE OF LOAN: ...........
Valid phone number: .............
FAX: ................
COMPLETING THIS FORM and send BACK TO(xlcatlinloanfirm@gmail.com)

Kari Tuncer said...

Dear valued customer,

Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.0%
Please reply to via Email: pergocf@fastservice.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- Name of the Site:
Please, contact us for more information: pergocf@fastservice.com
Yours Sincerely,
Mrs. Ceren

Davis miller said...

MACKLIN LOAN COMPANY!!!

Good day,

my name is Mr davis miller, the owner of MACKLIN OAN COMPANY
macklin loan company is a Money Lending organization and an Investment Group that has multiple investors. We provide all kind of loans locally & internationally to individual and companies that are in need of financial support.

We offer loans at 2% interest rate annually without stress of securing. Interested individual OR companies should contact us for more information or how to apply via
Contact number: +447031996796
E-mail:{ macklinloancompany@gmail.com },

We await your responds! Thanks.

Mr Henry said...

Do you need an emergency loan for business or pay bills at 3% interest? We give loan to individuals and cooperate bodies, ranging from $ 3,000 dollars to $ 20 million dollars a maximum duration of 1 to 30 years, when to contact us below details.
(1) Names______
(2) Country________
(3) Telephone Number_______
(4) Gender_________
(5) Loan Amount________
(6) Duration: _________
(7) Monthly Income____
With respect,
Mr. HENRY
email: henrywhiteloanfunds@gmail.com
or text us tel+13365067946

Maria Boston said...

How I got My Loan From A God sent And Genuine Loan Lender...

My name is Mrs Maria Boston, I’m from Pennsylvania USA, I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $85,000USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $85,000USD on the 2nd/June/2016. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM because he is an understanding and kind hearten lender.

Contact him today………………Thanks

Maria Boston said...

How I got My Loan From A God sent And Genuine Loan Lender...

My name is Mrs Maria Boston, I’m from Pennsylvania USA, I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $85,000USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $85,000USD on the 2nd/June/2016. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM because he is an understanding and kind hearten lender.

Contact him today………………Thanks

Maria Boston said...

How I got My Loan From A God sent And Genuine Loan Lender...

My name is Mrs Maria Boston, I’m from Pennsylvania USA, I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $85,000USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $85,000USD on the 2nd/June/2016. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM because he is an understanding and kind hearten lender.

Contact him today………………Thanks

Nora mildred said...

Do you need an urgent loan? are you in debt? do you need urgent loan to finance your business?, have you been denied by your bank, worry no more, Our Services are Quick, Easy & Secure loans now in whatever circumstances. Borrow up to $2,000 - $1,000.000 Today! Contact us with loan information at this email: noramildred.loan@hotmail.com

Note: You will expect a preliminary answer and funding within 24 hours

Regards.
Mrs Nora

Elena Nino said...

Attention!

This is an online advertisement from a registered Government approved and Licensed lender that gives out loans of various kinds,e.g, Mortgage loan, Business loan, Car Loans to only serious and interested parties against a very low affordable interest rate of 3%. Apply for your loan now. If you are interested contact Via email: elenanino03@gmail.com

Thanks,
Mrs. Elena

Anonymous said...

Good day,

Do you need an urgent loan to start up business, or you need a loan for refinance, Do you need a loan to pay off debt? Do you need a loan to buy a car or a house? If yes worry no more, We can help!!! contact us now via E-mail for your urgent loan.

E-mail: finansbankloan@list.ru

Thank you.

Anonymous said...

LOAN OFFER.............
DO YOU NEED A LOAN TO START UP A GOOD BUSINESS OR PAY YOUR BILL.
IF YOU ARE INTERESTED IN ANY TYPE OF LOAN CONTACT US FOR AN UG=RGENT LOAN
EMAIL: macklinloancompany@gmail.com
details for loan applicant.
FIRST NAME..........
LAST NAME...........
AGE...............
MARRITAL STATUS.........
SEX..MALE/FEMALE
OCCUPATION............
COUNTRY ADDRESS.........
LOAN AMOUNT NEEDED............
LOAN DURATION..............
MONTHLY INCOME...............
AND A VALID ID CARD OF YOU

macklinloancompany@gmail.com
THANKS
C.E.O
MACKLIN LOAN COMPANY'

Christopher Scott said...

TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOAN COMPANY?
Stress Free loan offer for all kind of Loan @3% Interest Do you need a loan to pay off your bills and debts? Do you need funds to expand your business? We offer loan at a very reliable low interest rate, we are also certify and accredited by government to issues out financial assistance to those who are in need of financial help .. Apply now via christopherscottfelipe@gmail.com Note: All mails should be replied to christopherscottfelipe@gmail.com
Your Name:....
Country:.....
Age...........
Phone Number:......
Loan Amount Needed:.......
Loan Duration's.......
Mr Christopher Scott

Feyex said...

Good Day,

Getting a legitimate loan have always been a huge problem to clients who
have financial needs. The issue of credit and collateral are something that
clients are always worried about when seeking a loan from a legitimate
lender. But MR FEYEX LOAN SERVICE has made that difference in the lending
industry.

MR FEYEX LOAN SERVICE has been accredited by the lender's council to give
out loans to local and international clients at 3% rate . We have been
given the privilege to meet your financial needs. The issue of credit
shouldn't stop you from getting the loan that you need.

Our Services Include the Following:-

*Investors Loans
*Debt Consolidation
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans

No social security and no credit check, 100% Guarantee. All you have to do
is let us know exactly what you want and we will surely make your dream
come true.MR FEYEX LOAN SERVICE says YES when your banks says NO. Lastly,
we fund small scale loan firm, intermediaries, small scale financial
institutions for we have unlimited capital. So we want you to know that
before we proceed further,you will have to fill the application form and
get back with it fast okay. Below is the loan application form.

LOAN APPLICATION FORM/ PERSONAL INFORMATION

First Name:
Last Name:
Contact Address: .
City/Zip Code:
State :
Country
Gender:
Date of birth (yyyy-mm-dd):
Telephone:
Marital Status :
Occupation:
Next of Kin:

LOAN INFORMATION

Amount Needed as Loan :
Purpose of Loan:
Loan Duration :
Monthly Income :
Have you applied for loan before (yes or no)

Best Regards,
Mr Feyex Robbinson.

Mr. Jackson Lee said...

Good day to you all of you am Christopher Miles, I'm from USA, Texas, am very happy as am writing the testimony how i got my loan from this loan, i believe God has a plan for me, after i was been scammed of my money by many so called loan lenders, i was deceived and almost thought to take my life, but God has a purpose for me, if you want to get a loan from any company you have to chose Mike Johnson Firm, when i was first started with him, thought he was like the rest, and to my Greatest surprise i got the loan of $69,000.00 in my account and that was the Exact amount i applied for in his company, and you that is feeling that there no hope for you? is a lie because if you interested in getting any type of loan, you can contact him via email, his email is: mikejohnsonfirm@yahoo.com, God Bless you like he blessed me with Mr Mike Johnson by getting my loan after been falling in the hands of scams.

Thanks.
Christopher Miles.

Evelina Kioso said...

Hello Every One,
I want to quickly use this medium to shear a testimony on how God directed me to a
Legit and real loan lender who have transformed my life from grass to grace, from being
poor to a rich woman who can now boast of a healthy and wealthy life without stress or
financial difficulties. After so many months of trying to get a loan on the internet and
was scammed the sum of $6,210 i became so desperate in getting a loan from a legit loan
lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr David who is the of Pay-less Loan Company So i applied for a loan sum of (1.5million dollars) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than 1hours the loan was deposited into my bank so i want to advice any one in need of a loan to quickly contact him via: (ultimateloancompany8@gmail.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.

Sandra Alive said...

FOR YOUR REQUIRED QUICK AFFORDABLE LOAN, EMAIL dawsonlewisloancompany@yahoo.com

Hello, I am Sandra Alice currently living in New jersey city, USA. I am a widow at the moment with two kids and i was stuck in a financial situation in June 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of $105,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr Calvin Scott. He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email: (dawsonlewisloancompany@yahoo.com) Or TEL:+14105016847

James Morris said...

Hello,

My name is Lennox Oliver. I live in USA Florida and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.

If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mr, Lennox Oliver referred you to them.

contact via E_mail: markwilliamloanhelp@gmail.com

Sandra Alive said...

Hello, I am Sandra Alice currently living in New jersey city, USA. I am a widow at the moment with two kids and i was stuck in a financial situation in June 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of $105,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Dawson lewis He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email: (dawsonlewisloancompany@yahoo.com) Or TEL:+14105016847

Jasmine Dover said...

I would like to bring this to the notice of the public about how i met Anz Jackson Financing PLC after i lost my job and being denied loan by my bank and other financial institution due to my credit score. I could not pay my children's fees. I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i read about: anzjacksonfinancingplc@yahoo.com where i was granted a loan to pay up my debts and to start up a business. You can as well give them a call or text at: +18437769340. Why am i doing this? I am doing this to save as many that are in need of a loan not to be victim of scams on the internet.