{"id":195131,"date":"2016-09-20T13:32:00","date_gmt":"2016-09-20T10:32:00","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=4703"},"modified":"2016-09-20T13:32:00","modified_gmt":"2016-09-20T10:32:00","slug":"bondora-portfolio-performance-september-2016","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/bondora-portfolio-performance-september-2016\/","title":{"rendered":"Bondora portfolio performance &#8211; September 2016"},"content":{"rendered":"<h3 style=\"background: #e2e5e7;color: #1a1a1a;margin: 39px -24px;padding: 13px 0;font-size: 22px\" align=\"center\">KEY TAKEAWAYS<\/h3>\n<ul>\n<li>Country level performance continues to be positive and grow across all 3 countries.<\/li>\n<li>All countries and loan grades are yielding above 10%.<\/li>\n<li>Estonia sees steady and growing rates across credit grades. What this means is that the higher rate credit grades like E, F, and HR have a strong repayment history. Their rates overall stay higher than the lower rate grades like A and B due to lack of defaults.<\/li>\n<li>Spain is exceeding targeted rates across the board.<\/li>\n<li>Finland has double digit interest rates across all grades.<\/li>\n<\/ul>\n<h3 style=\"background: #e2e5e7;color: #1a1a1a;margin: 39px -24px;padding: 13px 0;font-size: 22px\" align=\"center\">ACTUAL AND TARGETED BONDORA NET RETURNS BY GRADE AND COUNTRY<\/h3>\n<h3>ESTONIA:<\/h3>\n<ul>\n<li>Estonia sees double digit realized rates across the board.<\/li>\n<li>Even the A and AA grades earn 11.68% and 12.53%.<\/li>\n<li>There is lots of competition to fund Estonia loans at these rates so you need to invest wisely to be sure you are putting your money to work.<\/li>\n<li>The highest realized rate is HR at 35.6%.<\/li>\n<li>Estonia consistently exceeds its targeted rates at all credit grades.<\/li>\n<\/ul>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr class=\"green-bg\">\n<th class=\"border-right\" colspan=\"2\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/et.png?w=1024&amp;ssl=1\" width=\"18\" height=\"18\" \/>Estonia<\/th>\n<th>AA<\/th>\n<th>A<\/th>\n<th>B<\/th>\n<th>C<\/th>\n<th>D<\/th>\n<th>E<\/th>\n<th>F<\/th>\n<th>HR<\/th>\n<th><b>ALL<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>14,98%<\/td>\n<td>14,03%<\/td>\n<td>16,88%<\/td>\n<td>20,05%<\/td>\n<td>23,62%<\/td>\n<td>27,67%<\/td>\n<td>29,66%<\/td>\n<td>25,81%<\/td>\n<td>20,82%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>12,98%<\/td>\n<td>13,82%<\/td>\n<td>14,30%<\/td>\n<td>15,74%<\/td>\n<td>18,51%<\/td>\n<td>20,34%<\/td>\n<td>23,14%<\/td>\n<td>23,46%<\/td>\n<td>16,88%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ2<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>14,97%<\/td>\n<td>10,08%<\/td>\n<td>16,25%<\/td>\n<td>18,07%<\/td>\n<td>25,14%<\/td>\n<td>21,99%<\/td>\n<td>35,87%<\/td>\n<td>26,16%<\/td>\n<td>19,92%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>13,11%<\/td>\n<td>13,83%<\/td>\n<td>14,26%<\/td>\n<td>15,96%<\/td>\n<td>18,47%<\/td>\n<td>20,49%<\/td>\n<td>23,06%<\/td>\n<td>23,62%<\/td>\n<td>16,81%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ3<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>15,02%<\/td>\n<td>15,77%<\/td>\n<td>16,90%<\/td>\n<td>20,66%<\/td>\n<td>22,19%<\/td>\n<td>29,93%<\/td>\n<td>34,14%<\/td>\n<td>34,87%<\/td>\n<td>22,38%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>13,09%<\/td>\n<td>13,84%<\/td>\n<td>14,27%<\/td>\n<td>15,85%<\/td>\n<td>18,39%<\/td>\n<td>20,32%<\/td>\n<td>23,15%<\/td>\n<td>23,85%<\/td>\n<td>17,21%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ4<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>14,01%<\/td>\n<td>15,43%<\/td>\n<td>16,00%<\/td>\n<td>20,40%<\/td>\n<td>23,32%<\/td>\n<td>22,87%<\/td>\n<td>30,05%<\/td>\n<td>39,07%<\/td>\n<td>21,94%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>12,20%<\/td>\n<td>13,17%<\/td>\n<td>13,81%<\/td>\n<td>15,50%<\/td>\n<td>17,59%<\/td>\n<td>18,41%<\/td>\n<td>21,29%<\/td>\n<td>20,83%<\/td>\n<td>16,65%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>11,68%<\/td>\n<td>12,53%<\/td>\n<td>14,92%<\/td>\n<td>19,45%<\/td>\n<td>24,41%<\/td>\n<td>28,57%<\/td>\n<td>29,66%<\/td>\n<td>35,60%<\/td>\n<td>22,85%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>10,62%<\/td>\n<td>11,32%<\/td>\n<td>12,09%<\/td>\n<td>14,38%<\/td>\n<td>16,18%<\/td>\n<td>17,51%<\/td>\n<td>18,28%<\/td>\n<td>17,96%<\/td>\n<td>15,48%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>FINLAND:<\/h3>\n<ul>\n<li>Finland exceeded targets across all credit grades as well.<\/li>\n<li>While HR exceeded its target, that is the only rate where defaults are meaningful in lowering returns for investors, while still earning 17.29%.<\/li>\n<li>HR\u2019s 17.29% is equal to owning a mix of C and D credit grade loans from Finland.<\/li>\n<li>After some previous quarters with realized rates that were positive but fell short of the targeted rates, this quarter every grade exceeded its target.<\/li>\n<\/ul>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr class=\"green-bg\">\n<th class=\"border-right quarter\" colspan=\"2\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/fi.png?w=1024&amp;ssl=1\" width=\"18\" height=\"18\" \/>Finland<\/th>\n<th>AA<\/th>\n<th>A<\/th>\n<th>B<\/th>\n<th>C<\/th>\n<th>D<\/th>\n<th>E<\/th>\n<th>F<\/th>\n<th>HR<\/th>\n<th><b>ALL<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>11,51%<\/td>\n<td>10,07%<\/td>\n<td>12,64%<\/td>\n<td>16,58%<\/td>\n<td>24,17%<\/td>\n<td>45,25%<\/td>\n<td>14,20%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,88%<\/td>\n<td>13,33%<\/td>\n<td>14,41%<\/td>\n<td>16,58%<\/td>\n<td>17,98%<\/td>\n<td>20,90%<\/td>\n<td>14,86%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ2<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>7,24%<\/td>\n<td>13,72%<\/td>\n<td>15,16%<\/td>\n<td>13,92%<\/td>\n<td>10,23%<\/td>\n<td>17,63%<\/td>\n<td>13,67%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,88%<\/td>\n<td>13,31%<\/td>\n<td>14,70%<\/td>\n<td>16,62%<\/td>\n<td>18,04%<\/td>\n<td>21,04%<\/td>\n<td>15,41%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ3<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>10,95%<\/td>\n<td>12,73%<\/td>\n<td>16,41%<\/td>\n<td>18,35%<\/td>\n<td>11,04%<\/td>\n<td>24,47%<\/td>\n<td>15,97%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,90%<\/td>\n<td>13,28%<\/td>\n<td>14,71%<\/td>\n<td>16,49%<\/td>\n<td>18,54%<\/td>\n<td>20,81%<\/td>\n<td>15,62%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ4<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>3,09%<\/td>\n<td>11,38%<\/td>\n<td>19,07%<\/td>\n<td>17,16%<\/td>\n<td>13,61%<\/td>\n<td>26,52%<\/td>\n<td>16,56%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,89%<\/td>\n<td>12,80%<\/td>\n<td>14,49%<\/td>\n<td>16,02%<\/td>\n<td>16,86%<\/td>\n<td>18,11%<\/td>\n<td>15,23%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>14,35%<\/td>\n<td>15,48%<\/td>\n<td>21,07%<\/td>\n<td>26,23%<\/td>\n<td>25,67%<\/td>\n<td>17,29%<\/td>\n<td>22,62%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>9,87%<\/td>\n<td>11,22%<\/td>\n<td>12,56%<\/td>\n<td>13,44%<\/td>\n<td>14,24%<\/td>\n<td>14,40%<\/td>\n<td>13,21%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>SPAIN:<\/h3>\n<ul>\n<li>Spain has loans available in 3 credit grades: E, F and HR.<\/li>\n<li>Targeted rates are in the teens from 13.83% up to 14.61%.<\/li>\n<li>Actual realized rates are between 27% and 33%.<\/li>\n<li>The loan book is growing and becoming more profitable in Spain.<\/li>\n<li>As mentioned in our <a href=\"https:\/\/www.goandgrow.eu\/blog\/performance-recovery-process-bondora-september-2016\/\">recovery post<\/a>, we are starting to use the legal process more in Spain to help with recoveries and this is starting to help with returns for our lenders. We hope this continues.<\/li>\n<\/ul>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr class=\"green-bg\">\n<th class=\"border-right quarter\" colspan=\"2\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/es.png?w=1024&amp;ssl=1\" width=\"18\" height=\"18\" \/>Spain<\/th>\n<th>AA<\/th>\n<th>A<\/th>\n<th>B<\/th>\n<th>C<\/th>\n<th>D<\/th>\n<th>E<\/th>\n<th>F<\/th>\n<th>HR<\/th>\n<th><b>ALL<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>-0,53%<\/td>\n<td>-5,99%<\/td>\n<td>-5,03%<\/td>\n<td>10,09%<\/td>\n<td>16,91%<\/td>\n<td>16,20%<\/td>\n<td>11,68%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,61%<\/td>\n<td>12,85%<\/td>\n<td>14,39%<\/td>\n<td>16,17%<\/td>\n<td>18,32%<\/td>\n<td>20,33%<\/td>\n<td>17,69%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ2<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>-10,10%<\/td>\n<td>-6,76%<\/td>\n<td>9,82%<\/td>\n<td>17,82%<\/td>\n<td>18,52%<\/td>\n<td>11,45%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,80%<\/td>\n<td>12,80%<\/td>\n<td>14,36%<\/td>\n<td>16,29%<\/td>\n<td>18,32%<\/td>\n<td>20,31%<\/td>\n<td>17,56%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ3<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>17,61%<\/td>\n<td>-8,94%<\/td>\n<td>12,76%<\/td>\n<td>18,08%<\/td>\n<td>11,73%<\/td>\n<td>11,85%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>13,01%<\/td>\n<td>14,74%<\/td>\n<td>16,20%<\/td>\n<td>18,32%<\/td>\n<td>20,31%<\/td>\n<td>17,56%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ4<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>20,16%<\/td>\n<td>-4,05%<\/td>\n<td>11,81%<\/td>\n<td>22,16%<\/td>\n<td>18,30%<\/td>\n<td>15,14%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>13,41%<\/td>\n<td>14,93%<\/td>\n<td>16,22%<\/td>\n<td>17,85%<\/td>\n<td>18,06%<\/td>\n<td>17,07%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>33,10%<\/td>\n<td>31,30%<\/td>\n<td>27,68%<\/td>\n<td>28,34%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>14,61%<\/td>\n<td>14,58%<\/td>\n<td>13,93%<\/td>\n<td>14,05%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3 style=\"background: #e2e5e7;color: #1a1a1a;margin: 39px -24px;padding: 13px 0;font-size: 22px\" align=\"center\">ACTUAL AND TARGETED BONDORA NET RETURNS ACROSS PORTFOLIO PER QUARTER<\/h3>\n<p>The returns are largely in-line with expectations and no substantial changes are expected on the total portfolio level.<\/p>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr class=\"green-bg\">\n<th class=\"border-right\"><\/th>\n<th>2015-Q1<\/th>\n<th>2015-Q2<\/th>\n<th>2015-Q3<\/th>\n<th>2015-Q4<\/th>\n<th>2016-Q1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right\">Actual<\/td>\n<td>16,52%<\/td>\n<td>15,88%<\/td>\n<td>17,54%<\/td>\n<td>19,02%<\/td>\n<td>23,55%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>16,34%<\/td>\n<td>16,33%<\/td>\n<td>16,63%<\/td>\n<td>16,28%<\/td>\n<td>14,66%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3 style=\"background: #e2e5e7;color: #1a1a1a;margin: 39px -24px;padding: 13px 0;font-size: 22px\" align=\"center\">ACTUAL AND TARGETED BONDORA NET RETURNS ACROSS PREVIOUS 7 YEARS<\/h3>\n<p>Although the performance numbers decreased very slightly in\u00a0the past month, the overall performance over the past 7 years and across all markets stayed basically the same, still beating the rest of the market.<\/p>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr>\n<th><\/th>\n<th>2009<\/th>\n<th>2010<\/th>\n<th>2011<\/th>\n<th>2012<\/th>\n<th>2013<\/th>\n<th>2014<\/th>\n<th colspan=\"2\">2015<\/th>\n<\/tr>\n<tr class=\"green-bg\">\n<th class=\"border-right\">Country<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Target<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right\">EE<\/td>\n<td>16.39%<\/td>\n<td>29.23%<\/td>\n<td>23.81%<\/td>\n<td>22.92%<\/td>\n<td>22.27%<\/td>\n<td>22.50%<\/td>\n<td>21.10%<\/td>\n<td>16.88%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">ES<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>-6.07%<\/td>\n<td>-0.75%<\/td>\n<td>12.17%<\/td>\n<td>17.50%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">FI<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>12.00%<\/td>\n<td>12.13%<\/td>\n<td>14.76%<\/td>\n<td>15.30%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">SK<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>-5.22%<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">ALL<\/td>\n<td>16.39%<\/td>\n<td>29.23%<\/td>\n<td>23.81%<\/td>\n<td>22.92%<\/td>\n<td>19.95%<\/td>\n<td>13.71%<\/td>\n<td>16.95%<\/td>\n<td>16.40%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3 style=\"background: #e2e5e7;color: #1a1a1a;margin: 39px -24px;padding: 13px 0;font-size: 22px\" align=\"center\">DISCLAIMER<\/h3>\n<p>Please note that past performance does not guarantee future results as economic environment, competition, performance of risk models, loan pricing and recovery processes can improve or deteriorate over time.<\/p>\n<p>We do not recommend to set unrealistic expectations although 84.2% of investors on Bondora peer-to-peer lending marketplace have earned more than 10% annually (investors who have invested more than 1,000 euro over a period of 12+ months). Investing on Bondora is not suitable in case you expect to invest less than 1,000 euro as proper risk diversification shall not be achieved and returns can be highly volatile.<\/p>\n<p><em><strong>PS! <\/strong>In case you are looking for technical details on the net return calculation then <a href=\"https:\/\/www.goandgrow.eu\/blog\/bondora-rating-has-outperformed-expectations-98-of-the-portfolio-above-target-return\/\" target=\"_blank\" rel=\"noopener\">please read an earlier article on the subject here<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>KEY TAKEAWAYS Country level performance continues to be positive and grow across all 3 countries. All countries and loan grades are yielding above 10%. Estonia sees steady and growing rates across credit grades. What this means is that the higher rate credit grades like E, F, and HR have a strong repayment history. Their rates [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[120],"tags":[],"class_list":["post-195131","post","type-post","status-publish","format-standard","hentry","category-stats-and-data"],"acf":[],"featured_image":null,"categories_names":["Stats &amp; Data"],"category_name":"Stats &amp; Data","_links":{"self":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/195131","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/comments?post=195131"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/195131\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=195131"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=195131"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=195131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}