Once thought that a loan is a great opportunity for human development, but the realities have made their own adjustments. My fallacies broke to slivers by the reef of real goals of the usurers. Therefore, I decided to share my experience and tell you about what credits taught me.

Back in 2006, I took my first loan for the development of the company. I was engaged in the sale and installation of plastic windows, was the official dealer of one of the Novosibirsk factories producing plastic windows. The lending experience was successful, although of little helpful.

I liked my job and brought good profits. But still was not enough to meet my needs. Incorrect planning and the fact that I was absorbed in the production routine due to a small income, and I did not pay enough attention to development, forced me to sell the company in early 2008.

This experience led me to understand that in my county does not need a small business. Needs only a raw material colony. In China, some small businesses are not taxed, they understand that due to these deductions the state budget is not replenished, but people have what to do and on what to live.

The second experience was less successful. It was a buy my first car. I repaid the loan, but the sediment remained, and it came to me that the consumer instinct had to be fought.

A crisis

No matter how I not wanted to work in company, I still needed to do it. And I started selling industrial equipment, having made good money on the supply of industrial filters. It was the eve of 2009. Many companys started to tighten the screws and change the conditions of the game in the process. Which as you understand, does not suit anyone.

Then I was still sure that you need to earn for a good car, apartment and other material values.

Having changed one business structure to another, I already worked at a company with a much more loyal attitude towards my employees. Good earnings allowed me to take another loan, which was taken for business development, but already not in Russia.

And in 2012, I began to feel that the clouds were gathering. The decline in industrial production in the world began. I clearly felt this in 2015, when the final chord was a drop in oil prices, and I stumbled about a ceiling my solvency.

That’s what credits taught me.

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