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Folk2Folk
FOLK2FOLK is a Peer-to-peer lending, Marketplace lending platform (MPL) specialising in secured lending for business owners across the rural and regional parts of the UK. It matches businesses looking for capital with individual (retail) and institutional investors who receive a fixed interest rate from 7.5% p.a. secured against UK land or property. Investors receive the same interest rate that the Borrower pays, with FOLK2FOLK making its profit from an arrangement fee and annual renewal fee charged to Borrowers. Formed in 2013, FOLK2FOLK is based on the idea that 'good folks' help other 'good folks', FOLK2FOLK enables money to be borrowed and lent based on the concept of 'fair exchange' and secured against land and property. FOLK2FOLK's purpose is to create prosperity for Britain's regions. Since 2013, more than half a billion has been invested via the platform with zero investor capital losses. People FOLK2FOLK's Managing Director, Roy Warren, appointed in September 2019 w ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Tim Sawyer
Timothy Charles Sawyer is the CEO of Bank of Maldives. Formerly he was the Chief Investment Officer of Innovate UK, the investment arm of UK Government. This role sees him head up the newly-formed innovation lending directorate, with responsibility for the planned innovation loans programme. Formerly he was CEO of Start Up Loans, a private sector initiative backed by Government with a mandate of delivering £350m funding to start-up companies in the United Kingdom (UK). He is also Chairman of Folk2Folk, a peer-to-peer lender to small and medium-sized businesses in the UK. In 2002, Sawyer co-founded Cahoot, the internet division of Santander UK plc, which he went on to run between the years 2002 and 2005. Sawyer has also been Chairman of Banque Dubois in Switzerland and Chief Operating Officer of OneSavings Bank. Sawyer was appointed Commander of the Order of the British Empire (CBE) in the 2016 Birthday Honours for services to small businesses and entrepreneurs. Announced in Dece ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Financial Technology
Fintech, a portmanteau of "financial technology", refers to firms using new technology to compete with traditional financial methods in the delivery of financial services. Artificial intelligence, blockchain, cloud computing, and big data are regarded as the "ABCD" (four key areas) of fintech. The use of smartphones for mobile banking, investing, borrowing services, and cryptocurrency are examples of technologies designed to make financial services more accessible to the general public. Fintech companies consist of both startups and established financial institutions and technology companies trying to replace or enhance the usage of financial services provided by existing financial companies. A subset of fintech companies that focus on the insurance industry are collectively known as insurtech or insuretech companies. Key areas Academics Artificial intelligence (AI), blockchain, cloud computing, and big data are considered the four key areas of FinTech. Artificial intelli ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Peer-to-peer Lending
Peer-to-peer lending, also abbreviated as P2P lending, is the practice of lending money to individuals or businesses through online services that match lenders with borrowers. Peer-to-peer lending companies often offer their services online, and attempt to operate with lower overhead and provide their services more cheaply than traditional financial institutions. As a result, lenders can earn higher returns compared to savings and investment products offered by banks, while borrowers can borrow money at lower interest rates, even after the P2P lending company has taken a fee for providing the match-making platform and credit checking the borrower. There is the risk of the borrower defaulting on the loans taken out from peer-lending websites. Peer-to-peer fundraising encourages supporters of a charity or non-profit organisation to individually raise money. It's a bit subcategory of crowdfunding. Instead of having one main crowdfunding page where everybody donates, people can have ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Launceston, Cornwall
Launceston ( or , locally or , kw, Lannstevan; rarely spelled Lanson as a local abbreviation) is a town, ancient borough, and civil parish in Cornwall, England, United Kingdom. It is west of the middle stage of the River Tamar, which constitutes almost the entire border between Cornwall and Devon. The landscape of the town is generally steep particularly at a sharp south-western knoll topped by Launceston Castle. These gradients fall down to the River Kensey and smaller tributaries. The town centre itself is bypassed and is no longer physically a main thoroughfare. The A388 still runs through the town close to the centre. The town remains figuratively the "gateway to Cornwall", due to having the A30, one of the two dual carriageways into the county, pass directly next to the town. The other dual carriageway and alternative main point of entry is the A38 at Saltash over the Tamar Bridge and was completed in 1962. There are smaller points of entry to Cornwall on minor ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Chairman
The chairperson, also chairman, chairwoman or chair, is the presiding officer of an organized group such as a board, committee, or deliberative assembly. The person holding the office, who is typically elected or appointed by members of the group, presides over meetings of the group, and conducts the group's business in an orderly fashion. In some organizations, the chairperson is also known as ''president'' (or other title). In others, where a board appoints a president (or other title), the two terms are used for distinct positions. Also, the chairman term may be used in a neutral manner not directly implying the gender of the holder. Terminology Terms for the office and its holder include ''chair'', ''chairperson'', ''chairman'', ''chairwoman'', ''convenor'', ''facilitator'', '' moderator'', ''president'', and ''presiding officer''. The chairperson of a parliamentary chamber is often called the ''speaker''. ''Chair'' has been used to refer to a seat or office of authority ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Business Loan
A business loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. There are a number of different types of business loans, including bank loans, mezzanine financing, asset-based financing, invoice financing, microloans, business cash advances and cash flow loans. Types Bank loan A bank loan may be obtained from a bank and may be either secured or unsecured. For secured loans, banks will require collateral, which may be lost if repayments are not made. The bank will probably wish to see the business’s accounts, balance sheet and business plan, as well as studying the principals' credit histories. Many smaller businesses are now however turning towards Alternative Finance Providers, especially in the case of smaller firms. Loans from credit unions may be referred to as bank loans as well. Business loans from credit unions received the second highest level of satisfaction from ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Commander Of The Order Of The British Empire
The Most Excellent Order of the British Empire is a British order of chivalry, rewarding contributions to the arts and sciences, work with charitable and welfare organisations, and public service outside the civil service. It was established on 4 June 1917 by King George V and comprises five classes across both civil and military divisions, the most senior two of which make the recipient either a knight if male or dame if female. There is also the related British Empire Medal, whose recipients are affiliated with, but not members of, the order. Recommendations for appointments to the Order of the British Empire were originally made on the nomination of the United Kingdom, the self-governing Dominions of the Empire (later Commonwealth) and the Viceroy of India. Nominations continue today from Commonwealth countries that participate in recommending British honours. Most Commonwealth countries ceased recommendations for appointments to the Order of the British Empire when they cre ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Bank Of Maldives
Bank of Maldives (BML) is the leading financial institution in Maldives inaugurated on November 11, 1982. They are a full-service bank engaging across personal, business and corporate financial services with over 300,000 customers. Bank of Maldives has a network of branches, agents, relationship managers and online banking facilities. History Bank of Maldives was inaugurated on November 11, 1982, and began commercial operation as a joint venture bank with 60% shares held by the Government of the Maldives (including its Agencies and Maldivian Companies) and 40% shares owned by International Finance Investment Company Limited (later IFIC Bank Limited), Dhaka, Bangladesh Bangladesh (}, ), officially the People's Republic of Bangladesh, is a country in South Asia. It is the eighth-most populous country in the world, with a population exceeding 165 million people in an area of . Bangladesh is among the mos .... In December 1992, the Government decided to sell the Bank's s ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Financial Crisis Of 2007–2008
Finance is the study and discipline of money, currency and capital assets. It is related to, but not synonymous with economics, the study of production, distribution, and consumption of money, assets, goods and services (the discipline of financial economics bridges the two). Finance activities take place in financial systems at various scopes, thus the field can be roughly divided into personal, corporate, and public finance. In a financial system, assets are bought, sold, or traded as financial instruments, such as currencies, loans, bonds, shares, stocks, options, futures, etc. Assets can also be banked, invested, and insured to maximize value and minimize loss. In practice, risks are always present in any financial action and entities. A broad range of subfields within finance exist due to its wide scope. Asset, money, risk and investment management aim to maximize value and minimize volatility. Financial analysis is viability, stability, and profitability a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Financial Conduct Authority
The Financial Conduct Authority (FCA) is a financial regulation, financial regulatory body in the United Kingdom, but operates independently of the UK Government, and is financed by charging fees to members of the financial services industry. The FCA regulates financial firms providing services to consumers and maintains the integrity of the financial markets in the United Kingdom. It focuses on the regulation of conduct by both retail and wholesale financial services firms.Archived here. Like its predecessor the Financial Services Authority, FSA, the FCA is structured as a company limited by guarantee. The FCA works alongside the Prudential Regulation Authority (United Kingdom), Prudential Regulation Authority and the Financial Policy Committee to set regulatory requirements f ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Stifel
Stifel Financial Corp. is an American multinational independent investment bank and financial services company created under its present name in July 1983 and listed on the New York Stock Exchange on November 24, 1986. Its predecessor company was founded in 1890 as the Altheimer and Rawlings Investment Company and is headquartered in downtown St. Louis, Missouri. Stifel offers securities-related financial services in the United States and Europe through several wholly owned subsidiaries. Its clients are served through Stifel, Nicolaus & Company, Incorporated (Stifel Nicolaus) in the U.S., a full-service retail and institutional brokerage and investment banking firm, through Stifel Nicolaus Canada Inc. in Canada, and through Stifel Nicolaus Europe Limited (SNEL) in the United Kingdom and Europe. Its other subsidiaries include Thomas Weisel Partners LLC (TWP), Century Securities Associates, Inc. (CSA), an independent contractor broker-dealer firm, and Stifel Bank & Trust, a retail ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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