Thursday, October 27, 2011

Report on the economic situation in Iceland three years after the collapse of the financial sector



by
Birgitta Jónsdóttir, Margrét Tryggvadóttir and Thor Saari
Members of Parliament for The Movement.

A letter to the panel guests to the conference called Iceland’s Recovery – Lessons and Challenges to be held in Reykjavik on October 27th. as it is our wish to convey information and facts about the economic situation in Iceland that we are not sure you will be provided with prior to, or at the conference.

Introduction
To begin with the conference itself is at the core of a massive public relations effort by the government of Iceland and is part of a setup in order to convey to the world the achievements of the Icelandic government. As such the conference is unique in Iceland’s history, though the goal is not. Be reminded that in early 2008 the Icelandic government through a cooperative effort that included government ministers, the Confederation of Icelandic Employers, the Chamber of Commerce, the Financial Supervisory Authority, the Central Bank and the Icelandic Financial Services Association (representing the financial sector), embarked on what can only be called a vast program of misleading information, half-truths and deception about the health of Iceland’s financial sector.
This program was presented both domestically and to the international community, including high ranking government officials of neighbouring countries. This was done in 2008 even though as early as in February of that year it was revealed to the Cabinet and the political parties behind the government that the finances of the banking sector were not sustainable and that it would crash sometime soon and not later than in the second half of 2008. Some of the these same people, from these same organizations and political parties will sit beside you at this conference and provide you with their side of the story.

The Crash
The collapse of the banking sector dragged large parts of the economy down with it leading to a complete collapse in the construction industry, finance and investment. The currency depreciated by over 50% during 2008 leading to a surge in inflation as imports are a major part of the economy. An example is the Japanese Yen going from less than 0.5Yen/ISK to more than 1.3 Yen/ISK in a few months. The currency collapse and the following surge in inflation led to a mutation upwards in household mortgages as virtually all of them were either FX-linked or index-linked (to CPI) and most borrowers went from being in good financial health to being technically insolvent at the least. While some of this is surely to blame on the households themselves as overleveraging was common, these lending practices were encouraged by the banks and the government all the way through to October 2008, even though they knew this was unsustainable. The government knew exactly what would happen but continued to praise the banking system and the banks were taking large positions against the ISK via an array of derivative contracts while at the same time encouraging FX-loans to Icelandic homeowners.
The banks collapsed in October, the government took over the banking sector and established new banks on the remnants of the older ones. In the restructuring process it was decided to transfer assets (loan portfolios) from the now defunct banks to the new banks as part of the equity side of their balance sheet, while at the same time leaving most of the debt behind in the old banks.

Household debt
As the asset transfer took place the assets were re-valued and written down to something estimated to resemble a „fair value“ of about 40% of the book value, on average. Household mortgages were written down by approximately 40%, ending with a fair value of about 60% of the previous book value. However, following the transfer these write-downs were not passed on to households (as recommended by the IMF) but instead the new banks got a free hand in trying to collect the previous full book value of the loans.
Facing massive public protests and a large scale bankruptcy by the household sector the government has since tried to establish policies to resolve this household debt problem. The solutions have not worked. One of them (most common) is a write-down of mortgages to 110% of the estimated value of the home. Because of underlying inflation and the CPI-indexing of mortgages, these mortgages very quickly increased again to 120% and then to 130% of the estimated home value, requiring repeated attempts to reach the 110% level. The results are that some 26.000 individuals are registered in serious default. If each of these individuals represents a household, this means that approximately 35% of all households in Iceland are still in a serious default position with their debts, even after being able to tap in to their pension funds in order to stay solvent.
The solution to the FX-indexed loan problem has also been a disaster as via government legislation the FX-linked loans were converted to ISK loans starting at the initial borrowing date and then re-valued using the Central Bank policy rate for the period of the loan. However, the CB policy rate was at times over a three year period was close to 20% reaching 21% at the most. Needless to say people would never have borrowed money at these rates in the first place, but they are now forced to pay up and shut up.
This has lead to stagnation in private consumption, possibly the only area where economic growth can occur considering the current situation of no investment and decreasing global prices for Iceland’s exports. A “Japanese” decade (or more) is perhaps what lies ahead, at the best.

Monetary policy, the financial sector and the currency
It is also interesting to observe the dynamics around the making of this facade of economic recovery as the economy is basically being re-built on the same hollow ground and with the same rotten wood that led to the crash. The architect of the previous monetary policy that worked so disastrously is now the Governor of the Central Bank and is advocating a return to the old policy with a slight twist of some bells and whistles that look dubious at the best. His assistant, the Deputy Governor was the Central Bank’s chief economist in the years prior to and during the Crash, never uttering a word publicly about the disastrous policy or upcoming problems. Most of the same staff as before is still at the CB, which by the way became insolvent during the crash.
The financial sector is being reconstructed with more or less the same bank-secrecy laws in place, unknown ownership of two of the banks and without splitting up the banks in to separate commercial and investment banks. Most of the same staff as before the crash is still employed in the banks, including managers, division chiefs, regulatory supervisors, accountants and analysts.
The Icelandic currency is not freely tradable any more as strict currency controls are in place. While the plan is to lift the controls as soon as possible, the problem is that the plan includes lifting the controls while floating the currency in to the same environment that led to it’s collapse in the first place. While there has been some talk about the necessity of either abandoning the ISK altogether and adopting another monetary unit (Euro, US Dollar, Canada Dollar, Norwegian Krona) or a New Icelandic Krona based on a new footing (NIK), no proper research in that area has taken place.
The only possible conclusion to be drawn from this is that the economy will likely face another crash in the near future.

The General Government Debt Issue
As is fairly common the Icelandic government has an inclination to shroud it’s debt statistics in a veil that is not easily lifted all at once (see table on page 6). While the official numbers look perhaps not too bad by some international standards, with central government debt amounting to 1.345 billion ISK at year-end 2010 or approximately 87% of GDP, one must bear in mind that this debt bears high interest and is in part (at least 25%) indexed to the CPI. Currently the interest payments only on this debt are estimated to be about 17%-20% of government income in the 2012 budget. Central government debt continues to increase with new borrowing exceeding repayments by 11 billion ISK in 2012. Municipal debt amounts to 215 billion ISK, bringing the general government debt level up to 101% of GDP. Currently one municipality is insolvent and 10 to 15 other municipalities are in serious debt trouble, some technically insolvent already.
The state has however gone to great lengths to finance it’s activities by means that do not account directly as central government debt, that is by the use of state guarantees (contingent liabilities). These guarantees while differing somewhat in their nature (direct vs. indirect guarantees) have for example been used to finance all the loans provided by the Housing Financing Fund (all CPI indexed), by far the largest lender of mortgages in Iceland and to finance large hydro-electric power plants by the National Power Company. All together these guarantees amount to 1.508 billion ISK or approximately 98% of GDP.
In addition there are so-called extraordinary state guarantees on all domestic bank deposits and on assets taken over by two of the newly established private banks. These guarantees are granted by the Minister of Finance according to provisions in the Emergency Laws passed in 2008 and amount to 1.542 billion ISK or approximately 92% of GDP. Guarantees to municipality-owned companies by municipalities amount to 324 billion ISK and un-funded pension obligations by the state and by local governments to state and municipal employees pension funds amount to 383 billion ISK. Add to this the Central Bank debt of 280 billion ISK and the debt overhang of Iceland’s general government and its institutions is obviously enormous.
While of course it is not appropriate to add up all these different obligations one must keep in mind the risk involved as the Housing Finance Fund needed a large infusion of cash from the government last year, the Central Bank became insolvent in 2008 and other state guaranteed entities have also gone under.

Conclusion
Though we have perhaps presented you with a rather bleak picture of the current economic situation in Iceland please bear in mind that very little of the necessary restructuring has taken place and that neither political nor personal responsibility for the crash has been accepted by anyone. So far after almost three years of investigation, only three people have been charged by the Special Prosecutor, two of them found not guilty and one found guilty. It is our worry that Iceland is heading straight on into another economic crash and political turmoil that will be far worse than the last one. Raising a critical voice might make a difference and is the purpose of this letter.

Sincerely yours,

Birgitta Jónsdóttir,
Margrét Tryggvadóttir,
Þór Saari

Members of Parliament for
The Movement.



89 comments:

Anonymous said...

Dear MP Jónsdóttir:

I was so happy to hear you on "The State We're In" this evening. Your evaluation of the state of the USAmerican politics is unfortunately accurate. For the last decade plus, i've groaned as i watched my beloved country sink under the politics of fear. I went through this before -- in the McCarthy & J. Edgar Hoover eras. I know things like this cycle through history, but i hoped i'd be dead before the politics of fear returned.

But this was to be about Iceland's economy per your post. I'm deeply sorry your beautiful nation has not recovered better. Your conclusion is very similar to my thinking about the USA's economy: Without structural changes, improvement is not possible.

I wish you were my Representative in Congress!

With all best wishes for full Freedom of Information & necessary structural changes,

Pat Fletcher

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Nama saya Alfred Daniel Nehemia dari bali Indonesia, roti CEO Daniel Bakery, Pertama-tama saya akan mengatakan bahwa Tuhan harus memberkati Lady jane karena mengenalkan saya kepada perusahaan pinjaman yang jujur ​​dan halal sehingga saya benar-benar percaya bahwa Anda memberi tahu rekan kerja bahwa saya mempunyai Ide bagus untuk memulai bisnis sendiri karena mendapat pekerjaan tidak mudah jadi saya pergi ke bank untuk mendapatkan pinjaman (Rp800 juta) tapi mereka semua meminta uang muka sebesar jumlah pinjaman saya tapi satu-satunya properti yang saya miliki adalah motor. Sepeda, yang membuat saya merasa kecewa
Jadi saya mencari perusahaan pinjaman online tapi kebanyakan menipu dan menipu, saya hampir kehilangan harapan dan kepercayaan diri sampai saya membaca artikel tentang lady jane tapi saya tidak sempat menutup tapi membaca artikelnya jadi saya mencoba pencarian online lain yang disebut craigslist. org dimana saya melihat iklan perusahaan Dangote Loan jadi saya memutuskan untuk melamar dan menghubungi lady jane juga

Dangote Loan Company memberikan pinjaman dengan tingkat suku bunga 2% dan tidak kurang dari Rp20 juta

Saya mengikuti prosedur di sana, memberikan semua yang diminta, saya juga sangat takut, tapi untuk kemuliaan tuhan, doaku dijawab dan uang pinjaman saya ditransfer ke saya tanpa masalah.

jadi jangan buang waktu anda kontak Dangote perusahaan pinjaman Via dangotegrouploandepartment@gmail.com

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Salam untuk Anda semua
Saya di sini untuk membagikan kesaksian yang akan bagus bagi mereka yang membutuhkan pinjaman. Nama saya Ny. Kartin Kiba dari Jawa Barat, saya ingin merekomendasikan bantuan luar biasa yang saya dapatkan dari Ny. Helen Wilson
Dengan segala hormat, ibu Helen membuktikan kepada saya bahwa "orang yang berdiri di antara Anda dan tujuan Anda adalah kisah yang tidak masuk akal yang selalu membuat Anda keluar" Setelah bertahun-tahun mencari pinjaman, saya akhirnya mendapatkannya dari Helen Wilson Jadi, orang-orang saya , Saya pikir inilah saatnya untuk mengetahui siapa yang benar, dapat dimengerti, dan siapa yang benar-benar dapat membantu kita semua, sehingga kita semua mencapai tujuan kita untuk menemukan pinjaman otentik karena berbagai alasan. Hubungi Helen Wilson melalui e-mail: (helenwilson719@gmail.com) hari ini untuk pinjaman dan jangan ragu untuk memberi tahu kekasih Anda sekali pun tentang Helen Wilson karena dia adalah ibu yang berkualitas baik dan dia telah meminjam pinjaman yang saya gunakan untuk membayar semua hutang saya dan juga memulai bisnis, silakan hubungi saya melalui email: (kartinkiba72@gmail.com) jika Anda ragu. tolong ..... dia adalah satu-satunya orang yang jujur ​​dan dapat dipercaya. Saya juga ingin berterima kasih kepada teman saya, yang memperkenalkan saya kepada Ny. Helen Wilson .... Mitu Maria berterima kasih kepada Anda dan terima kasih banyak telah menunjukkan saya jalan kepada Bunda Helen.
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Terima kasih untuk semua orang dan ALLAH memberkati kalian semua.

RIKA NADIA said...

Halo semuanya, saya Rika Nadia, saat ini tinggal orang Indonesia dan saya warga negara, saya tinggal di JL. Baru II Gg. Jaman Keb. Lama Utara RT.004 RW.002 No. 26. Saya ingin menggunakan media ini untuk memberikan saran nyata kepada semua warga negara Indonesia yang mencari pinjaman online untuk berhati-hati karena internet penuh dengan penipuan, kadang-kadang saya benar-benar membutuhkan pinjaman , karena keuangan saya buruk. statusnya tidak begitu baik dan saya sangat ingin mendapatkan pinjaman, jadi saya jatuh ke tangan pemberi pinjaman palsu, dari Nigeria dan Singapura dan Ghana. Saya hampir mati, sampai seorang teman saya bernama EWITA YUDA (ewitayuda1@gmail.com) memberi tahu saya tentang pemberi pinjaman yang sangat andal bernama Ny. ESTHER PATRICK Manajer cabang dari Access loan Firm, Dia adalah pemberi pinjaman global; yang saya hubungi dan dia meminjamkan saya pinjaman Rp600.000.000 dalam waktu kurang dari 12 jam dengan tingkat bunga 2% dan itu mengubah kehidupan seluruh keluarga saya.

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SURYANTO SURYANTO said...

Saya Suryanto dari Indonesia di Kota Palu, saya mencurahkan waktu saya di sini karena janji yang saya berikan kepada LADY ESTHER PATRICK yang kebetulan adalah Tuhan yang mengirim pemberi pinjaman online dan saya berdoa kepada TUHAN untuk dapat melihat posisi saya hari ini.

Beberapa bulan yang lalu saya melihat komentar yang diposting oleh seorang wanita bernama Nurul Yudianto dan bagaimana dia telah scammed meminta pinjaman online, menurut dia sebelum ALLAH mengarahkannya ke tangan Mrs. ESTHER PATRICK. (ESTHERPATRICK83@GMAIL.COM)

Saya memutuskan untuk menghubungi NURUL YUDIANTO untuk memastikan apakah itu benar dan untuk membimbing saya tentang cara mendapatkan pinjaman dari LADY ESTHER PATRICK, dia mengatakan kepada saya untuk menghubungi Lady. Saya bersikeras bahwa dia harus memberi tahu saya proses dan kriteria yang dia katakan sangat mudah. dari Mrs. ESTHER, yang perlu saya lakukan adalah menghubunginya, mengisi formulir untuk mengirim pengembalian, mengirim saya scan kartu identitas saya, kemudian mendaftar dengan perusahaan setelah itu saya akan mendapatkan pinjaman saya. . Lalu saya bertanya kepadanya bagaimana Anda mendapatkan pinjaman Anda? Dia menjawab bahwa hanya itu yang dia lakukan, yang sangat mengejutkan.

Saya menghubungi Mrs ESTHER PATRICK dan saya mengikuti instruksi dengan hati-hati untuk saya, saya memenuhi persyaratan mereka dan pinjaman saya disetujui dengan sukses tetapi sebelum pinjaman dipindahkan ke akun saya, saya diminta membuat janji untuk membagikan kabar baik tentang Mrs. ESTHER PATRICK dan itulah mengapa Anda melihat posting ini hari ini untuk kejutan terbesar saya, saya menerima peringatan Rp350.000.000. jadi saya menyarankan semua orang yang mencari sumber tepercaya untuk mendapatkan pinjaman untuk menghubungi Mrs. ESTHER PATRICK melalui email: (estherpatrick83@gmail.com) untuk mendapatkan pinjaman yang dijamin, Anda juga dapat menghubungi saya di Email saya: (suryantosuryanto524@gmail.com)

RASHID HUSAEN said...

Selamat siang semuanya !!!
Nama saya Tn. Rashid Husaen dan saya berasal dari Jawa Barat, Indonesia dan saya berbicara sebagai salah satu orang paling bahagia di dunia saat ini dan saya mengatakan pada diri sendiri bahwa pemberi pinjaman menyelamatkan keluarga saya dari situasi buruk kami, saya akan memberi tahu namanya kepada dunia. dan saya sangat senang mengatakan bahwa keluarga saya kembali selamanya karena saya membutuhkan pinjaman sebesar Rp300.000.000,00 untuk memulai hidup saya karena saya adalah seorang ayah tunggal dengan 5 anak dan dunia sepertinya bergantung pada saya ketika saya mencoba untuk mendapatkan pinjaman Dari bank dan bank online menolak pinjaman saya, mereka mengatakan bahwa penghasilan saya rendah dan saya tidak memiliki jaminan untuk pinjaman jadi saya online dan hal-hal semakin sulit karena mereka merobek uang saya dengan janji manis untuk membantu saya

Sampai saya melihat posting ibu Nyonya Maria dari sebuah blog dan saya memohon padanya, dia memberi saya semua syarat dan ketentuan dan saya setuju dan dia mengejutkan saya dengan pinjaman yang mengubah hidup saya dan keluarga saya, dan pada awalnya saya berpikir ini tidak mungkin terjadi karena pengalaman masa lalu saya dan janji-janji palsu tetapi saya terkejut, saya menerima pinjaman saya sebesar Rp300.000.000,00 dan saya akan menyarankan siapa pun yang benar-benar membutuhkan pinjaman untuk menghubungi Nyonya Maria Alexander wanita kata-katanya, melalui email : (mariaalexander818@gmail.com) karena mereka adalah pemberi pinjaman yang paling memahami dan baik. siapa pun yang ingin pinjaman atau cara mendapatkan pinjaman asli, harus menghubungi Via


email: (mariaalexander818@gmail.com)
whatsapp: (+1 651-243-8090)
Viber; (+1 651-243-8090)

Anda dapat menghubungi saya Ny. Rashid untuk informasi lebih lanjut (rashidhusaen18@gmail.com)

Allah Maha Besar
Terima kasih semuanya

RASHID HUSAEN said...

Selamat siang semuanya !!!
Nama saya Tn. Rashid Husaen dan saya berasal dari Jawa Barat, Indonesia dan saya berbicara sebagai salah satu orang paling bahagia di dunia saat ini dan saya mengatakan pada diri sendiri bahwa pemberi pinjaman menyelamatkan keluarga saya dari situasi buruk kami, saya akan memberi tahu namanya kepada dunia. dan saya sangat senang mengatakan bahwa keluarga saya kembali selamanya karena saya membutuhkan pinjaman sebesar Rp300.000.000,00 untuk memulai hidup saya karena saya adalah seorang ayah tunggal dengan 5 anak dan dunia sepertinya bergantung pada saya ketika saya mencoba untuk mendapatkan pinjaman Dari bank dan bank online menolak pinjaman saya, mereka mengatakan bahwa penghasilan saya rendah dan saya tidak memiliki jaminan untuk pinjaman jadi saya online dan hal-hal semakin sulit karena mereka merobek uang saya dengan janji manis untuk membantu saya

Sampai saya melihat posting ibu Nyonya Maria dari sebuah blog dan saya memohon padanya, dia memberi saya semua syarat dan ketentuan dan saya setuju dan dia mengejutkan saya dengan pinjaman yang mengubah hidup saya dan keluarga saya, dan pada awalnya saya berpikir ini tidak mungkin terjadi karena pengalaman masa lalu saya dan janji-janji palsu tetapi saya terkejut, saya menerima pinjaman saya sebesar Rp300.000.000,00 dan saya akan menyarankan siapa pun yang benar-benar membutuhkan pinjaman untuk menghubungi Nyonya Maria Alexander wanita kata-katanya, melalui email : (mariaalexander818@gmail.com) karena mereka adalah pemberi pinjaman yang paling memahami dan baik. siapa pun yang ingin pinjaman atau cara mendapatkan pinjaman asli, harus menghubungi Via


email: (mariaalexander818@gmail.com)
whatsapp: (+1 651-243-8090)
Viber; (+1 651-243-8090)

Anda dapat menghubungi saya Ny. Rashid untuk informasi lebih lanjut (rashidhusaen18@gmail.com)

Allah Maha Besar
Terima kasih semuanya

sean schinder said...

LESIÐ VINSAMLEGAST LESIÐ VINSAMLEGAST LESIÐ
Halló allir, ég vil deila reynslu minni á þessum vettvang. ég hef verið að heyra í tómum hraðbanka í smá stund og ég sótti í gegnum nokkra aðila en ég var svindlað, ekki fyrr en ég fann Mr George sem bjargaði mér frá svindlum, ég fékk mitt hraðbankakort á fimm dögum eftir að ég var að nota og prófaði dulkóðaða kortið í hraðbanka og í hraðbanka til að koma mér mest á óvart, gat ég tekið $ 3000 og það var daggjaldið sem ég sótti um. Til að vera heiðarlegur er engin áhætta fólgin í því að kortið er ekki rekjanlegt og er með innrauða merki sem lokar á CCTV við úttektir þínar. ég borgaði dætrum mínum bara skólagjöld og hreinsaði veðskuldirnar mínar, ég er líka ríkari og stofnaði fyrirtæki sem gengur ágætlega. Mr George er raunverulega bjargvættur og hann er mjög ósvikinn. Þú getur haft samband við hann með þessu netfangi: blankatm402@gmail.com
  Bestu óskir

SURYANTO SURYANTO said...

Saya Suryanto dari Indonesia di Kota Palu, saya mencurahkan waktu saya di sini karena janji yang saya berikan kepada LADY ESTHER PATRICK yang kebetulan adalah Tuhan yang mengirim pemberi pinjaman online dan saya berdoa kepada TUHAN untuk dapat melihat posisi saya hari ini.

Beberapa bulan yang lalu saya melihat komentar yang diposting oleh seorang wanita bernama Nurul Yudianto dan bagaimana dia telah scammed meminta pinjaman online, menurut dia sebelum ALLAH mengarahkannya ke tangan Mrs. ESTHER PATRICK. (ESTHERPATRICK83@GMAIL.COM)

Saya memutuskan untuk menghubungi NURUL YUDIANTO untuk memastikan apakah itu benar dan untuk membimbing saya tentang cara mendapatkan pinjaman dari LADY ESTHER PATRICK, dia mengatakan kepada saya untuk menghubungi Lady. Saya bersikeras bahwa dia harus memberi tahu saya proses dan kriteria yang dia katakan sangat mudah. dari Mrs. ESTHER, yang perlu saya lakukan adalah menghubunginya, mengisi formulir untuk mengirim pengembalian, mengirim saya scan kartu identitas saya, kemudian mendaftar dengan perusahaan setelah itu saya akan mendapatkan pinjaman saya. . Lalu saya bertanya kepadanya bagaimana Anda mendapatkan pinjaman Anda? Dia menjawab bahwa hanya itu yang dia lakukan, yang sangat mengejutkan.

Saya menghubungi Mrs ESTHER PATRICK dan saya mengikuti instruksi dengan hati-hati untuk saya, saya memenuhi persyaratan mereka dan pinjaman saya disetujui dengan sukses tetapi sebelum pinjaman dipindahkan ke akun saya, saya diminta membuat janji untuk membagikan kabar baik tentang Mrs. ESTHER PATRICK dan itulah mengapa Anda melihat posting ini hari ini untuk kejutan terbesar saya, saya menerima peringatan Rp350.000.000. jadi saya menyarankan semua orang yang mencari sumber tepercaya untuk mendapatkan pinjaman untuk menghubungi Mrs. ESTHER PATRICK melalui email: estherpatrick83@gmail.com untuk mendapatkan pinjaman yang dijamin, Anda juga dapat menghubungi saya di Email saya: suryantosuryanto524@gmail.com

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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? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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* Personal Loans
* Debt consolidation loans
* Car Loans
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* Mortgage
*Refinancing Loans
* Home Loans

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NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

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+1 (929)277-5237
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Siti Aminah said...

Halo,
nama saya Siti Aminah dari Indonesia, tolong saya sarankan semua orang di sini harus sangat berhati-hati, karena ada begitu banyak pemberi pinjaman pinjaman palsu di internet, tetapi mereka masih yang asli di perusahaan pinjaman palsu. Saya telah ditipu oleh 4 pemberi pinjaman yang berbeda, saya kehilangan banyak uang karena saya sedang mencari pinjaman dari perusahaan mereka. Saya hampir mati dalam proses karena saya ditangkap oleh orang-orang karena hutang.

Saya hampir menyerah sampai saya meminta saran dari seorang teman yang memperkenalkan saya kepada pemberi pinjaman asli dan perusahaan yang sangat dapat diandalkan yaitu Bunda Alicia Radu yang mendapatkan pinjaman saya dari 800 juta rupiah Indonesia dalam waktu kurang dari 24 jam Tanpa tekanan dan tekanan suku bunga rendah 2%. Saya sangat terkejut ketika memeriksa rekening bank saya dan menemukan jumlah pinjaman yang saya minta telah ditransfer ke rekening bank saya tanpa penundaan atau kekecewaan sehingga saya berjanji bahwa saya akan membagikan kabar baik sehingga orang bisa mendapatkan pinjaman dengan mudah tanpa tekanan dari Bunda Alicia Radu

Saya ingin Anda mempercayai Bunda Alicia Radu dengan sepenuh hati karena ia sangat membantu dalam hidup saya dan kehidupan finansial saya. Anda harus menganggap diri Anda sangat beruntung memiliki kesempatan untuk membaca kesaksian ini hari ini. Jadi, jika Anda membutuhkan pinjaman, hubungi ibu Alicia Radu melalui email: (aliciaradu260@gmail.com)
Anda juga dapat menghubungi saya melalui email saya: (sitiaminah6749@gmail.com) jika Anda memerlukan informasi tentang bagaimana saya mendapat pinjaman dari Ibu Alicia Radu, Anda sangat bebas untuk menghubungi saya dan saya akan dengan senang hati menjawab Anda karena Anda juga dapat membantu orang lain setelah Anda menerima pinjaman Anda.

WORLD EMPOWERMENT LOAN COMPANY said...

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* Pinjaman pelajar
* Pinjaman Komersial
* Pinjaman Otomatis
* Resolusi Pinjaman
* Pinjaman pembangunan
* Departemen pembayaran pinjaman
* Pinjaman Bisnis
* Pinjaman Pendidikan
* Janji temu rusak

Silakan kirim email kepada kami untuk layanan yang lebih baik melalui email:
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aditya.aulia139@gmail.com said...

[[[[Kontak Saya]]]]
W/A::::::::::::::::::::::::: +62 81617 547 646
Tel::::::::::::::::::::::::::: +62 81617 547 646
e_mail::::::::::::::::::::[aditya.aulia139@gmail.com]
:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
Nama saya Aditya Aulia saya mengalami trauma keuangan karena saya ditipu dan ditipu oleh banyak perusahaan pinjaman online dan saya pikir tidak ada yang baik bisa keluar dari transaksi online tapi semua keraguan saya segera dibawa untuk beristirahat saat teman saya mengenalkan saya. untuk Ibu pada awalnya saya pikir itu masih akan menjadi permainan bore yang sama saya harus memaksa diri untuk mengikuti semua proses karena mereka sampai pada kejutan terbesar saya setelah memenuhi semua persyaratan karena permintaan oleh proses saya bisa mendapatkan pinjaman sebesar 350jt di rekening Bank Central Asia (BCA) saya saat saya waspada di telepon saya, saya tidak pernah mempercayainya, agaknya saya bergegas ke Bank untuk memastikan bahwa memang benar ibu kontak sekarang mengalami terobosan pemanasan jantung dalam kehidupan finansial Anda melalui apakah itu atau apakah kamu ingin mengkonfirmasi dari saya? Anda bisa menghubungi saya melalui surat saya: {aditya.aulia139@gmail.com} dan juga Anda bisa menghubungi perusahaan ISKANDAR LESTARI LOAN COMPANY via: {mail:iskandalestari.kreditpersatuan@gmail.com}
::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
COMPANY:ISKANDAR LESTARI LOAN COMPANY
W/A:::::(+44) 7480 729811
Tel....:::(+44) 7480 729811
e_mail:::[iskandalestari.kreditpersatuan@gmail.com]
https://wordpress.com/view/iskandarlestari.wordpress.com

NURBRAYANI said...

Negara: Indonesia
WhatsApp: +62 838-3669-4853
Alamat: Surabaya
email saya: nurbrayani750@gmail.com
nama saya Nurbrayani, saya ingin bersaksi tentang pekerjaan ALLAH yang baik dalam hidup saya, karena ekonomi yang buruk di beberapa negara. Apakah mereka mencari pinjaman di antara Anda? Jadi Anda harus sangat berhati-hati karena banyak pemberi pinjaman palsu ada di internet, tetapi mereka sangat asli dalam pemberi pinjaman palsu. Saya telah menjadi korban dari pemberi pinjaman 2 kredit yang curang, saya kehilangan banyak uang karena saya sedang mencari pinjaman dari perusahaan mereka. Saya hampir mati dalam proses karena saya ditangkap oleh orang-orang dari hutang saya sendiri, sebelum saya dibebaskan dari penjara dan teman saya menjelaskan situasi saya kemudian memperkenalkan saya kepada pemberi pinjaman pinjaman yang dapat diandalkan. Ny. Alicia Radu Saya mendapatkan pinjaman saya sebesar Rp350.000.000 dari Ny. Alicia Radu dengan sangat mudah dalam 24 jam yang saya lamar, jadi saya memutuskan untuk membagikan karya baik ALLAH melalui Bunda Alicia Radu dalam kehidupan keluarga saya.

Jadi, jika Anda membutuhkan pinjaman, hubungi ibu Alicia Radu melalui email: (aliciaradu260@gmail.com)

Anda juga dapat menghubungi saya melalui email saya di (nurbrayani750@gmail.com) jika Anda memerlukan informasi tentang bagaimana saya mendapatkan pinjaman dari Ibu Alicia Radu

ROBBI said...

Halo,
Nama saya ROBBI dari Cirebon Jawa Barat Indonesia, saya ingin mengucapkan terima kasih kepada ibu Alicia Radu karena membantu saya mendapatkan pinjaman yang baik setelah saya banyak menderita di tangan para pemberi pinjaman online palsu yang menipu saya untuk mendapatkan uang tanpa menawarkan saya pinjaman, saya Saya memerlukan pinjaman selama 3 tahun terakhir untuk memulai bisnis saya sendiri di kota Cirebon tempat saya tinggal dan saya jatuh ke tangan perusahaan palsu di Turki yang telah menipu saya dan tidak menawarkan saya pinjaman. dan saya sangat Frustrasted karena saya kehilangan semua uang saya ke perusahaan palsu di Turki, karena saya berutang kepada bank saya dan teman-teman saya dan saya tidak punya satu untuk menjalankan, sampai suatu hari setia bahwa seorang teman saya bernama Siti Aminah setelah membaca kesaksiannya tentang bagaimana dia mendapat pinjaman dari Bunda Alicia Radu, jadi saya harus menghubungi Siti Aminah dan dia mengatakan kepada saya dan meyakinkan saya untuk menghubungi Bunda Alicia Radu bahwa dia adalah ibu yang baik dan saya harus mengumpulkan keberanian dan saya menghubungi Bunda Alicia Radu dan saya terkejut dengan pinjaman saya diproses dan disetujui dan dalam waktu 3 jam pinjaman saya dipindahkan ke akun saya dan saya sangat terkejut bahwa ini adalah keajaiban dan saya harus bersaksi tentang pekerjaan baik Bunda Alicia Radu
jadi saya akan menyarankan semua orang yang membutuhkan pinjaman untuk menghubungi email Ibu Alicia Radu: (aliciaradu260@gmail.com) dan saya yakinkan Anda bahwa Anda akan bersaksi seperti yang telah saya lakukan dan Anda juga dapat menghubungi saya untuk informasi lebih lanjut tentang Bunda Alicia Radu email saya : (robbi5868@gmail.com) dan Anda masih dapat menghubungi Siti Aminah yang memperkenalkan saya kepada ibu Alicia Radu melalui email: (sitiaminah6749@gmail.com)
semoga Tuhan terus memberkati dan mencintai ibu Alicia Radu untuk mengubah kehidupan finansial saya

Yuli said...

Halo,
Nama saya Yuli dari Jakarta Selatan di Indonesia, saya ingin menggunakan media ini untuk memberi saran kepada semua orang untuk berhati-hati dalam mendapatkan pinjaman di sini, begitu banyak kreditur pinjaman di sini adalah scammers dan mereka hanya di sini untuk menipu Anda dari uang Anda, Saya mengajukan pinjaman sekitar 200 juta dari seorang wanita di Dubai dan saya kehilangan sekitar 10 juta tanpa mengambil pinjaman, mereka berkali-kali meminta bayaran, saya membayar hampir 10 juta uang jadi saya tidak mendapat pinjaman,

Tuhan menjadi kemuliaan, saya bertemu dengan seorang teman yang baru saja mengajukan pinjaman, dan dia mendapat pinjaman tanpa tekanan, jadi dia mengenalkan saya pada Ibu Olivia Daniel, dan saya mengajukan 400 juta, saya pikir itu adalah sebuah lelucon dan kecurangan, tapi saya mendapat pinjaman saya dalam waktu kurang dari 24 jam hanya 2% tanpa agunan. Saya sangat senang karena saya selamat dari kemiskinan.

Jadi saya saran semua orang di sini yang membutuhkan pinjaman untuk dihubungi
Ibu Olivia Daniel, via email: (oliviadaniel93@gmail.com)

Anda masih bisa menghubungi saya jika Anda memerlukan informasi lebih lanjut melalui email: (yuliy3531@gmail.com)

Sekali lagi terima kasih untuk membaca kesaksian saya, dan semoga Tuhan terus memberkati kita semua dan memberi kita umur panjang dan kemakmuran

Siti Aminah said...

Halo,
nama saya Siti Aminah dari Indonesia, tolong saya sarankan semua orang di sini harus sangat berhati-hati, karena ada begitu banyak pemberi pinjaman pinjaman palsu di internet, tetapi mereka masih yang asli di perusahaan pinjaman palsu. Saya telah ditipu oleh 4 pemberi pinjaman yang berbeda, saya kehilangan banyak uang karena saya sedang mencari pinjaman dari perusahaan mereka. Saya hampir mati dalam proses karena saya ditangkap oleh orang-orang karena hutang.

Saya hampir menyerah sampai saya meminta saran dari seorang teman yang memperkenalkan saya kepada pemberi pinjaman asli dan perusahaan yang sangat andal yaitu Bunda Alicia Radu yang mendapatkan pinjaman saya dari 800 juta rupiah Indonesia dalam waktu kurang dari 24 jam Tanpa tekanan dan tekanan suku bunga rendah 2%. Saya sangat terkejut ketika memeriksa rekening bank saya dan menemukan jumlah pinjaman yang saya minta telah ditransfer ke rekening bank saya tanpa penundaan atau kekecewaan sehingga saya berjanji bahwa saya akan membagikan kabar baik sehingga orang bisa mendapatkan pinjaman dengan mudah tanpa tekanan dari Bunda Alicia Radu

Saya ingin Anda mempercayai Bunda Alicia Radu dengan sepenuh hati karena ia sangat membantu dalam hidup saya dan kehidupan finansial saya. Anda harus menganggap diri Anda sangat beruntung memiliki kesempatan untuk membaca kesaksian ini hari ini. Jadi, jika Anda membutuhkan pinjaman, hubungi ibu Alicia Radu melalui email: (aliciaradu260@gmail.com)
Anda juga dapat menghubungi saya melalui email saya: (sitiaminah6749@gmail.com) jika Anda memerlukan informasi tentang bagaimana saya mendapatkan pinjaman dari Ibu Alicia Radu, Anda sangat bebas untuk menghubungi saya dan saya akan dengan senang hati menjawab Anda karena Anda juga dapat membantu orang lain setelah Anda menerima pinjaman Anda.

Olivia Daniel said...

Halo,
Saya Ny. Olivia Daniel, Apakah Anda memerlukan pinjaman mendesak untuk melunasi hutang Anda atau Anda perlu pinjaman untuk meningkatkan bisnis Anda? Apakah Anda memerlukan pinjaman konsolidasi atau hipotek atau keperluan lain? Sudahkah Anda ditolak oleh bank dan lembaga keuangan lainnya? Cari tidak lebih karena kami di sini untuk menjadikan semua masalah keuangan Anda seperti masa lalu !!! kami memberikan pinjaman kepada perusahaan, entitas swasta dan perorangan dengan tingkat bunga rendah dan terjangkau 2% untuk periode tetap 1-20 tahun dan masa tenggang enam bulan sebelum dimulainya angsuran bulanan. Anda dapat menghubungi kami melalui email melalui: (oliviadaniel93@gmail.com)

APLIKASI DATA

1) Nama:
2) Negara:
3) Alamat:
4) Jenis Kelamin:
5) Status perkawinan:
6) Pekerjaan:
7) Nomor Telepon:
8) posisi di tempat kerja:
9) pendapatan bulanan:
10) Jumlah pinjaman:
11) durasi pinjaman:
12) Tujuan pinjaman:
13) Tanggal Lahir:
14) nomor whatsApp:
Terima kasih

Yetty Sunarsih said...

Saya ingin mengembalikan semua kemuliaan kepada Allah atas apa yang dia gunakan Bunda Alicia Radu untuk melakukan dalam hidup saya, nama saya Yetty Sunarsih dari Sandakan di malaysia, saya seorang janda dengan 3 anak, suami saya meninggal dalam kecelakaan mobil dan sejak itu hidup telah menjadi sangat kasar bagi saya dan keluarganya dan saya telah mencoba untuk mendapatkan pinjaman dari bank-bank di sini di malaysia dan saya ditolak dan dikurangi karena saya tidak memiliki jaminan dan tidak bisa mendapatkan pinjaman dari bank dan saya sangat sedih
pada hari ini yang setia ketika saya pergi melalui internet, saya melihat kesaksian ROBBI bagaimana dia mendapatkan pinjamannya dari Ibu Alicia Radu dan saya menghubunginya untuk bertanya tentang Ibu dan seberapa benar pinjaman dari Ibu Alicia Radu dan dia mengatakan kepada saya bahwa itu adalah benar dan saya menghubungi Ibu Alicia Radu dan mengajukan pinjaman dan pinjaman saya diproses dan disetujui dan dalam waktu 24 jam saya mendapat peringatan uang pinjaman saya di akun saya dan ketika saya memeriksa akun saya pinjaman saya masih utuh dan saya sangat senang dan saya bersumpah perusahaan mana pun yang meminjamkan pinjaman saya akan memberikan deskripsi perusahaan, jadi saya ingin menggunakan media ini untuk menyarankan semua orang yang membutuhkan pinjaman untuk menghubungi Bunda Alicia Radu melalui email: (aliciaradu260@gmail.com) dan Anda juga dapat menghubungi saya melalui email saya: (yettysunarsihs850@gmail.com) untuk informasi dan juga teman saya ROBBI melalui emailnya :( robbi5868@gmail.com)

SUHERMAN said...

Halo,
Saya ingin menggunakan media ini untuk membagikan kesaksian saya tentang Bagaimana ALLAH menggunakan Nyonya Olivia Daniel untuk mengubah hidup saya dari kemiskinan. sekarang saya memiliki kehidupan yang sehat tanpa stres dan kesulitan keuangan.
 
Nama saya Suherman. Saya dari Kota Surabaya di Indonesia setelah berbulan-bulan mencoba mendapatkan pinjaman di internet dan saya telah scammed dari 15 juta rupiah Indonesia. Saya menjadi sangat putus asa dalam mendapatkan pinjaman dari pemberi pinjaman online yang merupakan kredit yang sah. dan tidak akan menambah rasa sakit saya, Jadi saya memutuskan untuk menoleh ke teman saya untuk menasihati saya tentang cara mendapatkan pinjaman online, Kami membicarakannya dan kesimpulan kami menceritakan tentang seorang wanita bernama Ny. Olivia Daniel. Saya mengajukan permohonan pinjaman sejumlah 700 juta rupiah Indonesia dengan suku bunga rendah 2%, saya setuju tanpa tekanan dan persiapan dilakukan untuk mentransfer dana ke pinjaman saya ke rekening bank saya dalam waktu kurang dari 24 jam dan pinjaman itu disetor ke rekening saya. rekening bank tanpa penundaan.
Saya pikir itu adalah lelucon sampai saya menerima satu alart dari bank saya bahwa akun saya telah dikreditkan dengan jumlah 700 juta rupiah Indonesia. Saya sangat senang bahwa akhirnya ALLAH menjawab doa saya dengan menggunakan ibu untuk membantu saya mendapatkan pinjaman yang dapat memberi saya harapan. Terima kasih banyak kepada Ny, Olivia Daniel karena telah membuat kehidupan yang adil bagi saya,

 jadi saya menyarankan siapa pun yang tertarik untuk mendapatkan pinjaman yang saya maksudkan adalah pemberi pinjaman nyata untuk menghubungi ibu (oliviadaniel93@gmail.com)

Anda masih dapat menghubungi saya jika Anda memerlukan informasi lebih lanjut melalui email: (suherman3860@gmail.com)
sekali lagi terima kasih semua untuk membaca kesaksian saya, dan semoga ALLAH terus memberkati kita semua dan memberi kita umur panjang dan kemakmuran

Siti Aminah said...

Halo,
nama saya Siti Aminah dari Indonesia, tolong saya sarankan semua orang di sini harus sangat berhati-hati, karena ada begitu banyak pemberi pinjaman pinjaman palsu di internet, tetapi mereka masih yang asli di perusahaan pinjaman palsu. Saya telah ditipu oleh 4 pemberi pinjaman yang berbeda, saya kehilangan banyak uang karena saya sedang mencari pinjaman dari perusahaan mereka. Saya hampir mati dalam proses karena saya ditangkap oleh orang-orang karena hutang.

Saya hampir menyerah sampai saya meminta saran dari seorang teman yang memperkenalkan saya kepada pemberi pinjaman asli dan perusahaan yang sangat andal yaitu Bunda Alicia Radu yang mendapatkan pinjaman saya dari 800 juta rupiah Indonesia dalam waktu kurang dari 24 jam Tanpa tekanan dan tekanan suku bunga rendah 2%. Saya sangat terkejut ketika memeriksa rekening bank saya dan menemukan jumlah pinjaman yang saya minta telah ditransfer ke rekening bank saya tanpa penundaan atau kekecewaan sehingga saya berjanji bahwa saya akan membagikan kabar baik sehingga orang bisa mendapatkan pinjaman dengan mudah tanpa tekanan dari Bunda Alicia Radu

Saya ingin Anda mempercayai Bunda Alicia Radu dengan sepenuh hati karena ia sangat membantu dalam hidup saya dan kehidupan finansial saya. Anda harus menganggap diri Anda sangat beruntung memiliki kesempatan untuk membaca kesaksian ini hari ini. Jadi, jika Anda membutuhkan pinjaman, hubungi ibu Alicia Radu melalui email: (aliciaradu260@gmail.com)
Anda juga dapat menghubungi saya melalui email saya: (sitiaminah6749@gmail.com) jika Anda memerlukan informasi tentang bagaimana saya mendapatkan pinjaman dari Ibu Alicia Radu, Anda sangat bebas untuk menghubungi saya dan saya akan dengan senang hati menjawab Anda karena Anda juga dapat membantu orang lain setelah Anda menerima pinjaman Anda.

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Siti Aminah said...

Halo,
nama saya Siti Aminah dari Indonesia, tolong saya sarankan semua orang di sini harus sangat berhati-hati, karena ada begitu banyak pemberi pinjaman pinjaman palsu di internet, tetapi mereka masih yang asli di perusahaan pinjaman palsu. Saya telah ditipu oleh 4 pemberi pinjaman yang berbeda, saya kehilangan banyak uang karena saya sedang mencari pinjaman dari perusahaan mereka. Saya hampir mati dalam proses karena saya ditangkap oleh orang-orang karena hutang.

Saya hampir menyerah sampai saya meminta saran dari seorang teman yang memperkenalkan saya kepada pemberi pinjaman asli dan perusahaan yang sangat dapat diandalkan yaitu Bunda Alicia Radu yang mendapatkan pinjaman saya dari 800 juta rupiah Indonesia dalam waktu kurang dari 24 jam Tanpa tekanan dan tekanan suku bunga rendah 2%. Saya sangat terkejut ketika memeriksa rekening bank saya dan menemukan jumlah pinjaman yang saya minta telah ditransfer ke rekening bank saya tanpa penundaan atau kekecewaan sehingga saya berjanji bahwa saya akan membagikan kabar baik sehingga orang bisa mendapatkan pinjaman dengan mudah tanpa tekanan dari Bunda Alicia Radu

Saya ingin Anda mempercayai Bunda Alicia Radu dengan sepenuh hati karena ia sangat membantu dalam hidup saya dan kehidupan finansial saya. Anda harus menganggap diri Anda sangat beruntung memiliki kesempatan untuk membaca kesaksian ini hari ini. Jadi, jika Anda membutuhkan pinjaman, hubungi ibu Alicia Radu melalui email: (aliciaradu260@gmail.com)
Anda juga dapat menghubungi saya melalui email saya: (sitiaminah6749@gmail.com) jika Anda memerlukan informasi tentang bagaimana saya mendapatkan pinjaman dari Ibu Alicia Radu, Anda sangat bebas untuk menghubungi saya dan saya akan dengan senang hati menjawab Anda karena Anda juga dapat membantu orang lain setelah Anda menerima pinjaman Anda.

BENITO FAUSTO said...



I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or whats-app +1(323)-362-2310

Mohammad Ismali said...

kesaksian nyata dan kabar baik !!!

Nama saya mohammad, saya baru saja menerima pinjaman saya dan telah dipindahkan ke rekening bank saya, beberapa hari yang lalu saya melamar ke Perusahaan Pinjaman Dangote melalui Lady Jane (Ladyjanealice@gmail.com), saya bertanya kepada Lady jane tentang persyaratan Dangote Loan Perusahaan dan wanita jane mengatakan kepada saya bahwa jika saya memiliki semua persyarataan bahwa pinjaman saya akan ditransfer kepada saya tanpa penundaan

Dan percayalah sekarang karena pinjaman rp11milyar saya dengan tingkat bunga 2% untuk bisnis Tambang Batubara saya baru saja disetujui dan dipindahkan ke akun saya, ini adalah mimpi yang akan datang, saya berjanji kepada Lady jane bahwa saya akan mengatakan kepada dunia apakah ini benar? dan saya akan memberitahu dunia sekarang karena ini benar

Anda tidak perlu membayar biayaa pendaftaran, biaya lisensi, mematuhi Perusahaan Pinjaman Dangote dan Anda akan mendapatkan pinjaman Anda

untuk lebih jelasnya hubungi saya via email: mahammadismali234@gmail.comdan hubungi Dangote Loan Company untuk pinjaman Anda sekarang melalui email Dangotegrouploandepartment@gmail.com

Siti Aminah said...

Assalamualaikum Warahmatullahi Wabarakatuh

Negara: Indonesia
Nama: Siti Aminah
Alamat: Jakarta Barat
Nomor WhatsApp: +62 859-4202-5695
email saya: sitiaminah6749@gmail.com

Sudah tiga tahun sekarang saya telah memberikan kesaksian tentang ibu Alicia Radu bagaimana dia membantu saya dan keluarga saya
nama saya Siti Aminah dari Indonesia, tolong saya sarankan semua orang di sini harus sangat berhati-hati, karena ada begitu banyak pemberi pinjaman pinjaman palsu di internet, tetapi mereka masih yang asli di perusahaan pinjaman palsu. Saya telah ditipu oleh 4 pemberi pinjaman yang berbeda, saya kehilangan banyak uang karena saya sedang mencari pinjaman dari perusahaan mereka. Saya hampir mati dalam proses karena saya ditangkap oleh orang-orang karena hutang.

Saya hampir menyerah sampai saya meminta saran dari seorang teman yang memperkenalkan saya kepada pemberi pinjaman asli dan perusahaan yang sangat dapat diandalkan yaitu Bunda Alicia Radu yang mendapatkan pinjaman saya dari 800 juta rupiah Indonesia dalam waktu kurang dari 24 jam Tanpa tekanan dan tekanan suku bunga rendah 2%. Saya sangat terkejut ketika memeriksa rekening bank saya dan menemukan jumlah pinjaman yang saya minta telah ditransfer ke rekening bank saya tanpa penundaan atau kekecewaan sehingga saya berjanji bahwa saya akan membagikan kabar baik sehingga orang bisa mendapatkan pinjaman dengan mudah tanpa tekanan dari Bunda Alicia Radu

Saya ingin Anda mempercayai Bunda Alicia Radu dengan sepenuh hati karena ia sangat membantu dalam hidup saya dan kehidupan finansial saya. Anda harus menganggap diri Anda sangat beruntung memiliki kesempatan untuk membaca kesaksian ini hari ini. Jadi, jika Anda membutuhkan pinjaman, hubungi ibu Alicia Radu melalui email: (aliciaradu260@gmail.com)
Anda juga dapat menghubungi saya melalui email saya: (sitiaminah6749@gmail.com)
jika Anda memerlukan informasi tentang bagaimana saya mendapatkan pinjaman saya dari Bunda Alicia Radu, Anda sangat bebas untuk menghubungi saya dan saya akan dengan senang hati menjawab Anda karena Anda juga dapat membantu orang lain setelah Anda menerima pinjaman Anda.

Nomor WhatsApp Saya: +62 859-4202-5695
Anda juga dapat menghubungi saya melalui email saya: (sitiaminah6749@gmail.com)
hubungi ibu Alicia Radu melalui email: (aliciaradu260@gmail.com)