A leading international provider of home credit through two core elements: a small-sum, short-term unsecured cash loan and an optional home collection service provided by dedicated agents. It operates in emerging markets where demand for credit is growing and markets are relatively underserved. Its customers have average or slightly below average incomes and want to borrow comparatively small sums of cash, quickly and in a manageable and transparent way. Most loans are between £200 and £500, repayable between 6- and 12-month terms.