A detailed dissection of "closed credit markets" in Iran.
How does the difference between the nominal rate and the effective profit of 54%, along with the removal of cash discounts, change the real cost of purchasing goods? In the previous three analytical reports, we examined the performance structure of the e-commerce giants, Surap and independent platforms of Sufit Yar (Landtech) in the market of loans for the purchase of goods. In the first report titled “The Double-edged Sword of DigiP and Pick Every Pocket of the Middle Class; A loan at an effective interest rate of 65% to buy a product that is 30% more expensive than the market! ", in the second report titled "Analyze Snappy's sweet trap; the silent robbery of people in the triangle of buying, salary and heavy commissions. Shop windows at high prices! ” and in the third report with the title “ 65% business in the showcase of Azkiwam, Tara, Lando and Party; a post-mortem of the modern debtor production machine in the shadow of outsourcing of a bank robbery! ", we showed how charging additional fees and limiting the buyer's power of choice to certain stores raises the cost of household financing beyond the bank's approved rate. Click the link below to read more.