Student at cmr in Hy...ย โขย 7m
NyayaPay is a fintech idea that helps people track and manage informal loans given to friends, family, or via unregulated apps. In India, millions fall into debt traps with no proof or legal safety. NyayaPay lets users log loans, upload proof (voice or UPI), build a Trust Score, and even find jobs to work and repay. Itโs designed for students, gig workers, and low-income users who need a secure, non-harassing way to deal with debt. The goal is to make informal lending transparent, safe, and respectful. Weโre building a no-code MVP and seeking support to scale.

Front end developmen...ย โขย 1y
Indian household debt has skyrocketed, reaching Rs 120 trillion in March 2024, a 56% increase since June 2021. This has pushed the debt-to-GDP ratio to 42.9%, raising concerns about consumer spending. With housing loans comprising 30% and vehicle
See MoreFounder of stockkhat...ย โขย 1y
Hey everyone! I'm developing a fintech app with a unique concept: offering 0% interest loans to users. While this sounds great for borrowers, I'm seeking your input on the biggest challenge - ensuring loan repayment. Here's the idea in a nutshell:
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A Game-Changer in Real Estate Investment is Coming! ๐ What if owning a home wasnโt just about EMIs and debt? What if investing in real estate meant flexibility, security, and true wealth-buildingโwithout the traps of traditional finance? The futur
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Understanding Debt Financing: A Crucial Funding Option Hey everyone! Today, letโs dive into debt financing, a vital funding method for startups. Unlike equity funding, where you give up ownership, debt financing involves borrowing money that youโll
See MoreCA Aspirant|Content ...ย โขย 8m
Daily dose of financial ratios by Anirudh Gupta Debt/equity ratio =Total debt/Shareholders equity Purpose: It helps users of financial statements understand how much debt the company is using for every โน1 of equity invested by shareholders. Cred
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Daily dose of financial ratios by Anirudh Gupta Debt service coverage ratio: =Earnings available for debt services/(Interest+Installments) Where earnings available for debt services are EBITDA or EBIT based on the case. Purpose: -Yesterday,we d
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I recently posted about debt financing and got some interesting responses. I want to dig a bit deeper into this topic. For those new to startups or even those with some experience, how do you feel about using debt financing? Robert Kiyosaki, from "R
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Hey I am on Medialย โขย 1y
why indian Startups are opting for Debt financing? 1. Preserving equity: Debt financing allows startups to raise capital without diluting their equity and ownership. This is important for founders who want to maintain control of their company. 2
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