| dbo:abstract |
Wonga.com, also known as Wonga, was a British payday loan firm that was founded in 2006. The company focused on offering short-term, high-cost loans to customers via online applications, and began processing its first loans in 2007. The firm operated across several countries, including the United Kingdom, Spain, Poland and South Africa; it also operated in Canada until 2016, and in Germany, Switzerland, Austria and the Netherlands through the German payments business, BillPay, between 2013 and 2017. The company was responsible for inventing fully automated risk processing technology to provide short-term, unsecured personal loans online, including via tablet and mobile app. However, it also drew wide criticism from amongst politicians, charities and religious leaders, for the interest it charged, equated to an annual percentage rate (APR) of 1,509%; an example of this was that a loan of £100 over seventeen days (Wonga's average loan term) required £113.60 to repay. The company was criticised heavily by politicians, including the Labour Party leader Ed Miliband as a leading example of predatory lending. The firm's debt collection practices were also scrutinised by the Financial Conduct Authority (FCA), who found the firm had lent money to many who would never be able to repay and Wonga agreed to compensate 45,000 customers for unfair and misleading debt collection practices. By 2015, the company began to incur losses, which were further increased by discontinuation of sponsorship deals, a data breach in 2017, and a surge of customer compensation claims. Despite an emergency cash injection from shareholders to prevent it becoming insolvent, the firm fell into administration on 30 August 2018, with Grant Thornton appointed to wind down the business, sell assets and identify creditors. By March 2019, administrators noted that compensation claims against the firm increased, but with many claimants unlikely to receive the full value of their claim. (en) Wonga.com è una società britannica di prestiti a breve termine (in inglese: payday loan) a tassi di interesse elevati. Oltre che nel Regno Unito, è operativa in Sudafrica, Canada e Polonia. Wonga gestisce anche Wongaforbusiness.com, che fornisce prestiti a breve termine alle piccole imprese. È stata la prima società a utilizzare una tecnologia completamente automatizzata per l'elaborazione del rischio, fornendo prestiti personali a breve termine e non garantiti sia online, sia via app e tablet. La società è stata fondata da Errol Damelin e Jonty Hurwitz. La società lanciò il prodotto iniziale nell'ottobre 2007 e fu successivamente la prima a fornire un'app su iPhone per prestiti istantanei. Secondo il suo sito, Wonga ha concesso oltre sette milioni di finanziamenti a tutto il 2012. Ad Agosto 2018, la società aveva deciso di interrompere le nuove attività di prestito, versando in condizioni critiche di liquidità. (it) Wonga.com – polska instytucja finansowa oferująca pożyczki. Pierwsza strona internetowa Wonga.com wystartowała w 2007 r. w Wielkiej Brytanii. W Polsce Wonga zaczęła udzielać pożyczki w 2012 r. Dziś Wonga należy do Grupy [KRUK] i działa tylko w Polsce. Udziela głównie pożyczki ratalne w wysokości do max. 20 tys. na max. 48 miesięcy. Firma współpracuje z dwoma firmami ubezpieczeniowymi: HPI i hiPRO. W czerwcu 2015 roku firma uruchomiła unikatową portal edukacyjny https://kapitalni.org/. Portal została stworzona w odpowiedzi na niski poziom wiedzy finansowej polskiego społeczeństwa. Jej celem jest realna i mierzalna edukacja finansowa wpływająca na zachowania i postawy konsumentów. Wonga trzykrotnie zdobyła tytuł „Etycznej Firmy” przyznawany przez „Puls Biznesu” i PwC. Co roku Wonga poddaje się etycznemu audytowi przeprowadzanemu przez Związek Przedsiębiorstw Finansowych. 31 marca 2022 r. Wonga otrzymała po raz kolejny Certyfikat Audytu Etycznego. (pl) |
| rdfs:comment |
Wonga.com, also known as Wonga, was a British payday loan firm that was founded in 2006. The company focused on offering short-term, high-cost loans to customers via online applications, and began processing its first loans in 2007. The firm operated across several countries, including the United Kingdom, Spain, Poland and South Africa; it also operated in Canada until 2016, and in Germany, Switzerland, Austria and the Netherlands through the German payments business, BillPay, between 2013 and 2017. (en) Wonga.com è una società britannica di prestiti a breve termine (in inglese: payday loan) a tassi di interesse elevati. Oltre che nel Regno Unito, è operativa in Sudafrica, Canada e Polonia. Wonga gestisce anche Wongaforbusiness.com, che fornisce prestiti a breve termine alle piccole imprese. Ad Agosto 2018, la società aveva deciso di interrompere le nuove attività di prestito, versando in condizioni critiche di liquidità. (it) Wonga.com – polska instytucja finansowa oferująca pożyczki. Pierwsza strona internetowa Wonga.com wystartowała w 2007 r. w Wielkiej Brytanii. W Polsce Wonga zaczęła udzielać pożyczki w 2012 r. Dziś Wonga należy do Grupy [KRUK] i działa tylko w Polsce. Udziela głównie pożyczki ratalne w wysokości do max. 20 tys. na max. 48 miesięcy. Firma współpracuje z dwoma firmami ubezpieczeniowymi: HPI i hiPRO. (pl) |
