Best licensed Money lender in Philippines


Credit risk is the risk of loss as a result of the borrower’s failure to repay the loan or meet the contractual obligations.  Traditionally, this indicates the risk that the lender may not receive outstanding principal and interest, resulting in disruption of cash flow and increased recovery costs. If you are looking for Best licensed Money lender in Philippines, let’s know more!

Risk of Unsecured Personal Loans

1. Interest rate

Just because you’re eligible for a personal loan doesn’t mean you have to take it out.  Some personal loans come with low-interest rates of up to 10%, while others can be up to three or four times higher.  The interest rate on these loans depends on your credit score, but lenders can charge whatever they want, provided the rate is subject to certain rules.

2. Penalty for early payment

Are you allowed early repayment of the loan or is there a penalty or fee for doing so?  Depending on what type of personal loan you get; from a bank, through a peer-to-peer (P2P) loan, or in some other way – some lenders will repay you more than others.  Allow fast.  More favorable style.  If early payment is important to you (and should be), read the fine print carefully to make sure no penalties are involved.

3. Large fee advance

How much will it cost you to get a loan in your bank account?  Like mortgages, the start-up fees for loans can vary widely.  You want to make sure that any advance fees you pay are reasonable and up to market level.  There are many providers with different terms, so don’t feel that you have to take the first loan for which you have been approved.

4. Privacy concerns

Bank and credit union loans will come with strict privacy rules, but other options may be significantly less formal.  While all lenders should respect the privacy laws required by banks, some do not.

   5. Insurance Pitch

Some personal loans will come with a sales pitch for additional insurance to protect the loan if “unforeseen life events” stand in the way of your ability to pay.  If you want insurance for this purpose, call your trusted agent and get a quote on general disability insurance.  It’s probably cheaper and has better coverage.


You can use this open-end loan for any purpose.  You could pay for an interest-bearing credit card, pay for adoption, or pay for other expenses for which you lack the funds you need.

What is Conversion Rate?

Have you people ever noticed the markup of campaigns for the publicity and promotion plus advertising and growth of a certain product, app, or other commodities on a mobile advertising platform such as Instagram clicking on which takes you to a page to get signed in and register if interested? This exact approach of mobile advertising can implement various measures of publicizing an event. From here on, conversion rate plays the role. How? Read on to figure out.

Conversion Rate

The percentage of the users who have accomplished a desired action of an event(for instance a click by a user is counted as unit over a certain ad) presentedby a website or app or any social media channels is known as conversion rate.

Conversion rate is calculated by dividing the number of users who completed a desired task by the mass number of entire audience to which the action or event is presented on the platform.

For instance; there is an advertisement campaign executed by an advertiser or owner of the event where,

No. of users = 700

Total audience = 9000

Conversion Rate = 700/9000 = 0.07

This implies that there was the conversion rate of 7% in this event publicising.

Conversion Rate Optimization is another co-related term in this advertisement practice that we will discuss later in the article.

When conversion rate is determined of an event through respective channels, they prominently help to indicate the success or failure of that campaign. Since it demonstrates the number of users who proactively participated out of the entire scale of viewers or audience, it helps to improvise the areas that need to be focused on for further improvement through innovative ideas to influence the conversion rate. ROI expectations are also set through conversion rate approach.

Furthermore, conversion rate can also be referred to as the percentage of users who went on Appstore to install a rendered app and ran in-app action at a moment. How does this benefit? Well, the owners or the advertisers can assess the performance of their app events to evaluate the measures that the elements of the site or app need to be engrossed upon.

Conversion rate analysis can reveal which channels are most effective for promoting a particular app, helping an advertiser to determine the effectiveness of their copy and use it to guide strategic decisions. If your data shows that a conversion rate is lower than expected, they can also be used to spot issues with an app’s UX that is when the users face inconvenience logging is or signing up to new accounts.

What is Conversion Rate Optimization?

Conversion rate optimization is the methods to increase the conversion rate of a particular scenario or event such as a hosted application or website by enabling ideas and techniques to improve and work on the elements of the event.


Adjust offers several solutions to help businesses measure and compare campaign conversion rates effectively. advertisers and marketers to identify where conversions come from, sending conversion data to either Adjust’s dashboard or a custom alternative for future measurement.

Conversion rates are therefore important and necessitated to direct the attention to the areas of potential improvement that could eventually increase the conversion rates in the mobile user acquisition of several advertisement campaigns on social handles and app initialization procedures on Appstore.

It enables better results and updates of the previously rendered app services or a campaign/event on a website.

What are the benefits of olive oil?

Olive oil is the organic fluid of the olives plant’s berry. If you are well-being, extra virgin olive oil has become a go-to cooking oil. The low risk of cardiovascular disease in persons who consume a Mediterranean diet, of which olive oil is a fundamental component, demonstrates some of its numerous health advantages. Daily consumption of olive oil may also aid in weight management, blood sugar control, depression relief, cognitive function maintenance, and protection against chronic illnesses.

Antioxidants are present

It contains trace amounts of vitamins E and K, in addition to the beneficial fatty acids. Olive oil, on the other hand, is abundant in antioxidants. Those vitamins are biologically active or might reduce your risk of acquiring medical conditions. They also help to protect your blood cholesterol from oxidation and fight inflammation, which may lower your risk of heart disease. Olive Oil is an effective Moisturiser also.

How much olive oil do you use every day?

As a general rule of thumb, one to two tablespoons of olive oil each day is sufficient. This applies to both olive oils consumed for health advantages and olive oil consumed with food as part of your usual cooking procedure. While there is no set maximum limit for how much olive oil is unhealthy for you, many individuals find that eating or drinking too much oil can make them feel nauseated. Oils are also rather heavy in calories, which is why you should consume them in moderation.

Olive Oil’s Wellness Perks

Those who are sleep-deprived may benefit from the therapeutic properties of excellent olive oil. What can a quarter cup of olive oil do to help you sleep? In one of several methods, olive oil can help you fall asleep and sleep better. First, using excellent olive oil as a sleep treatment might help you relax by lowering daily inflammation, which can be a source of anxiety. If you work all day or even just go to the gym, you may be feeling some type of pain.

Syndrome of Metabolic Syndrome

Metabolic syndrome is a set of risk factors that raise illness risks, such as obesity, high blood pressure, and high blood sugar levels. According to one study, olive oil with a Mediterranean diet may alleviate metabolic syndrome symptoms such as inflammation, blood sugar, triglycerides, low-density lipoprotein, or bad cholesterol. It appears to boost levels of high-density lipoprotein, or good cholesterol, in contrast.

It also has the lowest risk among some cancers

While no diet is a cure-all for cancer, olive oil consumption may be one of the reasons cancer rates are lower in Mediterranean nations. According to a study, extra virgin olive oil causes changes in gut flora that are linked to the prevention of colorectal cancer; and prior research has indicated that women who consume the most olive oil had a decreased risk of intestine cancer and breast cancer.


Moreover, it has been demonstrated that heating vegetables with extra virgin olive oil increase the accessibility of plant phenolic acids to the body. The Moroccan diet’s advantages cannot be described without including olive oil. This entirely natural product, derived from one of the earliest plants cultivated by mankind, has been demonstrated to be one of the healthiest, most beneficial foods on our planet.