Lombards24.lv: bad reputation hinders pawnshops to find employees | BNN - DETAILS OF VALUE
People on pawnshops are several misconceptions, both with regard to their operational objectives and processes considered the largest Latvian Lombard network Lombards24.lv Chairman of the Board Agris Evertovskis, adding that the negative reputation often interferes find competent employees, despite the competitive salary payment.
In 2008, my friend, who had already worked pawnshop industry for many years, offered me with him to open a pawnshop. It was a time when it was free money, and wanted to develop a little extra business. Initially we opened a pawnshop, 119 Mill Street Business proved quite successful, half a year, we have already achieved a profit.
Later I known financial investor offered to develop this sector and to create a modern Lombard network. Then, when we started in October 2009, we opened ten month fifty branches, public surplus currently 31 branches in 62 cities, public surplus and within the next two months it is planned to open six more branches.
There is a perception, and recognize that it is not without reason that the Lombards in the ugly, dark, workers indignantly, others even inside is dirty. Our idea was to create a higher level of pawnbrokers and for rooms with large windows and the aim was corrected close attention public surplus to customer service quality.
At present, the number of pawnbrokers public surplus Latvian reaches about 250 branches, while for the companies that manage them, there are several pawnbrokers networks, the biggest is what four, then there are smaller networks public surplus and individual merchants. public surplus At present, public surplus to adopt the law in order to arrange the market. Pawnshops have to buy a license which costs LVL 50 000, and this money is intended to ensure the control and eradication of unfair business to limit them to merchants, for example, sells items that have been pledged and have not fallen repayment deadline in breach public surplus of the provisions public surplus of the Treaty .
With regard public surplus to the trends. Many entrepreneurs had the impression that during the crisis reactive public surplus Bus is, say, buns, used clothes and pawn shops, thinking that this sphere during the crisis do not work with the "cons". Thus, many entrepreneurs during the crisis opened their pawnshops, so Lombard competition intensified and their appearance also changed. But they pawn, which was previously mostly did not pay particular attention not merchandising or service.
People on pawnshops are two main ideas, one is above - pawnshops crisis luck, and one that most property as well as stays with us. Both these views are wrong. First, the crisis pawnshops go worse than economic growth, so that during the recession people are more passive. Our business is lending money, and economic growth more people borrow, they are more stable, more regular income, so that - they know exactly when a loan will be able to return. The man knows that that date is salary, and if he to wage something is missing, he descends and pledged property. If there is a complete crisis, the person is unemployed and has a television, he does not bring to the pawnshop, but rather will be sold through public surplus the same ad and would get more money. Similarly, the economic upswing public surplus has more customers engaged in the business, they need short-term loans - to buy some equipment or something repaired or to order - they pledged to something bigger, such as a larger gold or car. Such business people during a crisis usually does not happen.
And the second idea is that people leave the pawnshop property, are also flawed. Lombardo articles brought public surplus items people usually need. For example, if a person is a clock than 2 000 lats and he urgently public surplus needs money, he can not go with this clock to the bank and borrow money. It supposedly is a valuable thing, but it will not return for the loan. He has a chance to go to the pawnbrokers, where he will be given against the clock of 1 000 lats, and he is absolutely convinced that, returning and paying interest, he will recover the property back. Of all the goods that people pledged, to redeem as about 15%. 85% is to be redeemed, and this figure is increasing.
There are of course cases in which the person is in despair and going to pawnbrokers, but this percentage is very small. We purchase items at the same time recognizing that it is not as beneficial as one can get more money for the property if he does I sell.
The fact that the price of gold rises gradually is better than if it gradually fall, in the latter case, for example, if a person has pledged golden public surplus articles and do not come to redeem them, we get probably even less money than we lent him. In response to the question whether the gold price increases, we are more merit, I would say no. Gold value climbing, competitors raise their rate as is issued against gold. In this way, the proportion is balanced. When we started, we for one gram of gold costs 6 lats, now they are 14 to 15 lats.
People on pawnshops are several misconceptions, both with regard to their operational objectives and processes considered the largest Latvian Lombard network Lombards24.lv Chairman of the Board Agris Evertovskis, adding that the negative reputation often interferes find competent employees, despite the competitive salary payment.
In 2008, my friend, who had already worked pawnshop industry for many years, offered me with him to open a pawnshop. It was a time when it was free money, and wanted to develop a little extra business. Initially we opened a pawnshop, 119 Mill Street Business proved quite successful, half a year, we have already achieved a profit.
Later I known financial investor offered to develop this sector and to create a modern Lombard network. Then, when we started in October 2009, we opened ten month fifty branches, public surplus currently 31 branches in 62 cities, public surplus and within the next two months it is planned to open six more branches.
There is a perception, and recognize that it is not without reason that the Lombards in the ugly, dark, workers indignantly, others even inside is dirty. Our idea was to create a higher level of pawnbrokers and for rooms with large windows and the aim was corrected close attention public surplus to customer service quality.
At present, the number of pawnbrokers public surplus Latvian reaches about 250 branches, while for the companies that manage them, there are several pawnbrokers networks, the biggest is what four, then there are smaller networks public surplus and individual merchants. public surplus At present, public surplus to adopt the law in order to arrange the market. Pawnshops have to buy a license which costs LVL 50 000, and this money is intended to ensure the control and eradication of unfair business to limit them to merchants, for example, sells items that have been pledged and have not fallen repayment deadline in breach public surplus of the provisions public surplus of the Treaty .
With regard public surplus to the trends. Many entrepreneurs had the impression that during the crisis reactive public surplus Bus is, say, buns, used clothes and pawn shops, thinking that this sphere during the crisis do not work with the "cons". Thus, many entrepreneurs during the crisis opened their pawnshops, so Lombard competition intensified and their appearance also changed. But they pawn, which was previously mostly did not pay particular attention not merchandising or service.
People on pawnshops are two main ideas, one is above - pawnshops crisis luck, and one that most property as well as stays with us. Both these views are wrong. First, the crisis pawnshops go worse than economic growth, so that during the recession people are more passive. Our business is lending money, and economic growth more people borrow, they are more stable, more regular income, so that - they know exactly when a loan will be able to return. The man knows that that date is salary, and if he to wage something is missing, he descends and pledged property. If there is a complete crisis, the person is unemployed and has a television, he does not bring to the pawnshop, but rather will be sold through public surplus the same ad and would get more money. Similarly, the economic upswing public surplus has more customers engaged in the business, they need short-term loans - to buy some equipment or something repaired or to order - they pledged to something bigger, such as a larger gold or car. Such business people during a crisis usually does not happen.
And the second idea is that people leave the pawnshop property, are also flawed. Lombardo articles brought public surplus items people usually need. For example, if a person is a clock than 2 000 lats and he urgently public surplus needs money, he can not go with this clock to the bank and borrow money. It supposedly is a valuable thing, but it will not return for the loan. He has a chance to go to the pawnbrokers, where he will be given against the clock of 1 000 lats, and he is absolutely convinced that, returning and paying interest, he will recover the property back. Of all the goods that people pledged, to redeem as about 15%. 85% is to be redeemed, and this figure is increasing.
There are of course cases in which the person is in despair and going to pawnbrokers, but this percentage is very small. We purchase items at the same time recognizing that it is not as beneficial as one can get more money for the property if he does I sell.
The fact that the price of gold rises gradually is better than if it gradually fall, in the latter case, for example, if a person has pledged golden public surplus articles and do not come to redeem them, we get probably even less money than we lent him. In response to the question whether the gold price increases, we are more merit, I would say no. Gold value climbing, competitors raise their rate as is issued against gold. In this way, the proportion is balanced. When we started, we for one gram of gold costs 6 lats, now they are 14 to 15 lats.
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