International Personal Finance plc (IPF) is a United Kingdom-based holding company. IPF and its subsidiaries (the Group) are engaged in the provision of small sum, primarily home collected, short-term unsecured loans in emerging markets. The Company offers a digital product and an online digital credit service through hapi loans, in Poland. The Company operates using the Provident brand in eight countries, including Poland, the Czech Republic, Slovakia, Romania, Hungary, Mexico, Lithuania and Bulgaria. Its digital loan business operates in Finland, Estonia, Latvia, Australia and Lithuania with Credit24 and Sving brands. The Company's subsidiaries include IPF Holdings Limited, International Personal Finance Investments Limited, IPF International Limited, IPF Financing Limited, Provident Polska S.A., IPF Investments Polska Sp. z o.o., Provident Mexico S.A. de C.V., Provident Financial Romania IFN S.A., Provident Financial s.r.o. and Provident Financial Zrt., among others.