"Imali yakho": ukuhlaziya ababoleki, iimeko. Microloans

Ngo-Russia, kunye lokuqalisa kokuwohloka ngokubanzi enkulu micro-mboleko kunye micro-credit. Qho ngonyaka kweli lizwe, ngakumbi ezi mibutho. Kufuneka wazi ukuba iimbono abathengi. Eneneni imibuzo kunye mveliso abanganyanisekanga epheleleyo. Yintoni ufumana "bakho imali" ncomo? Ingaba le nkampani ibonelela ngeenkonzo ezisemgangathweni hayi ukukopela? imiba yemali ukwenza ifuna ingqalelo eyodwa elikhulu. Ngamanye amaxesha, ukuthatha microcredit lingafaka engozini inkathazo. Ngoko ke, enoba kuyimfuneko babhenele Ngoncedo 'imali yakho'? Ingaba Loxwebhu? Okanye phambi kuthi iziko microfinance ixhaphakileyo, ukusuka apho kungakuhle ukuba kude? Konke oku ku.

into

Kuba Okokuqala, yintoni ebandakanyekileyo intlangano yethu ngoku? Ingaba kwicala labo ofanelwe ingqalelo? Ukuba ufuna mboleko msinya okanye imali-mboleko, ngoko ewe. "Imali Yakho" - intlangano microfinance. Inika, ngokutsho yiko, mboleko ezihlawula. Yaye ngephanyazo. Kwaye ngaphandle tape engeyomfuneko ebomvu.

Enyanisweni, umsebenzi ombutho "transparent". Lokukhuphisana Russian wakhe omkhulu ngokwenene. Ngapha koko, njengokuba kuthiwe, amaziko microfinance i twa enkulu ngalo mzuzu. Kunjalo, kuba ingqalelo yayo 'yakho imali "ingxelo ufumana HIV. Akukho nkohliso okanye "scam". Ndidinga mboleko okanye amatyala kweli xesha lifutshane kangangoko kunokwenzeka? Ke wena uze endaweni ekunene!

ukwanda

Hi ndlela leyi, intlangano yethu ngoku isebenza emalikeni kangangexesha elithile. Kwaye ngenxa lonke eli xesha iye yanceda abantu abaninzi. Ewe, ukhuphiswano iya isanda, kodwa 'imali yakho "usasebenza. Ngaphezu koko, kuye kwaziwa iminyaka emi-5. Ngo-2011, oko yavulwa eMoscow, kwaye ngoku kakhulu kulo lonke Russia.

Noko ke, ngoxa mgangathweni njengoko esingathanda. "Imali Yakho" uthetha ezahlukahlukeneyo. Yaye izixeko ezahlukahlukeneyo kweli lizwe. E Moscow, eninzi kubo. Kwaye oko akuthandayo. Oko kukuthi, singatsho ngokuzithemba ukuba le nto kungekho ukukopela. Nabakhohlisi kunqabile naa ngokuqinileyo lwabo "ekhohlo" kulo lonke Russia, kwaye eveza obala.

Ukuba ufuna ukwazi iidilesi ezithile, kucetyiswa ukuba usebenzise iphepha elisemthethweni "imali yakho." Ofisi ziya kuboniswa kwi imaphu esebenzisanayo isixeko yakho. Apho uya kufumana iidilesi epheleleyo. Akukho ukukopela! Yonke into icacile kwaye ilula. Ngoko ke, sinokuba nentembelo intlangano yethu ngoku. Ngenxa yoko, ukuba ufumana oluninzi izimvo HIV banokuba ngabathengi. Ewe, iziko microfinance - kukodwa umngcipheko omkhulu. Kodwa ke, njengoko lubonakala kalula, "Imali yakho 'ixesha elide apho. Ngaphezu koko, kungekhona nabani efihliweyo, ephuhlisa kunye nokuvulwa ngedangatye ezintsha kunye ezintsha kwizixeko ezahlukahlukeneyo kweli lizwe. Nabakhohlisi ukuze akuzi kuyenza. Ebuhlungu, kuba ukrokrela kwaye kuyingozi.

Awazi kakuhle indawo abaza Makaphambukele eMoscow ukufumana iinkonzo ukusuka mbutho? Emva koko jonga imephu yokuxoxa kwiphepha lasekhaya le "imali yakho." I-ofisi elikomkhulu ise esitratweni Pervomayskaya, Building 73, Ukwakha 6. Akukho (hayi kuphela), unako ukufumana imali-mboleko yakho okanye mboleko. On Taganka 1 (Building 1), kwakunye osemendweni open-5 (ukwakha 11), nawe unalo ilungelo lokusebenzisa iinkonzo zeziko.

Kodwa iinkcukacha kwaleyo yokulungiselela, kwakunye yonke imibuzo yakho zinikiwe yi umnxeba. Ukuze wenze oku, chwetheza kwifowuni 8800700 22 29 Eli gumbi efanelekileyo yonke imimandla yaseRashiya. Ezi abafowunelwa ziyafumaneka kwi inkampani "imali yakho."

Uluhlu lweenkonzo

Kakade ke, indima enkulu ukudlala ngeenkonzo ezahlukeneyo ezinokuthi ukunika omnye okanye enye inkampani. Ukunyaniseka, nto olulodwa "Dzhet Mani" (ngoko maxa wambi ebizwa ngokuba "Your Money") no. Kuba, njengokuba kuye bathi, umbutho microfinance. Akucaci oko ikwenzela kubaxumi bayo?

Mboleko kunye ukuboleka. Yaye iimeko zivuma. Xa kunjalo, ibango abaninzi. kwenzala Low, yokususwa ngokukhawuleza. Enyanisweni, lo uluhlu olupheleleyo lweenkonzo lufikelele esiphelweni. Ukuba kancinane ngakumbi ethile, ungabona ulwalathiso eziliqela lombutho.

Eyokuqala - lo kunikezelo yexesha elifutshane kunye mboleko ngokukhawuleza ukuba naziphi na iimfuno. Noko ke, igama elithi sentlawulo ayikho likhulu kakhulu apha. Zimangele yini senze oko, kuba sisebenzisana ncam ngetyala elifutshane. Ayikho into elukhuni, akunjalo?

Okwesibini - mboleko elifutshane-term. Phantse kuyafana ne-mboleko. Kodwa ke overpayment, njengoko umthetho, ngaphantsi kancinci.

Eyesithathu - mboleko "ukuhlawula". Oku le nkonzo kuye kwatsala uninzi kwabathengi. Imali ukuhlawula, mhlawumbi inkonzo ethandwa kakhulu futhi Kuqhelekile ukuba yonke imibutho microfinance namhlanje.

Konke oku kuphakamisa nenkampani ebizwa ngokuba 'Yakho Imali "ncomo neempawu ezintle. Sinokuthi apha unalo ilungelo lokubhena xa ngokungxamisekileyo udinga imali. Kwaye ungakhathazeki ukuba inkqubo 'yalityaziswa "okanye kuya kufuneka kakhulu yamaphepha, hayi konke konke. Kule okubonisa kunye neenzuzo inkampani musa iphele khona. Yintoni enye ivelele abathengi? Yintoni elungileyo nengalunganga koko kugxininiswa kakhulu?

amathuba

"Dzhet Mani" ufumana kuhle kakhulu, nangona ncomo maxa wambi sokuthandabuza izakhono zabo. Yaye akukho malunga neenkonzo. Yaye kanye zinika. Eyona nto kukuba "imali yakho" - intlangano microfinance ukuba ayikho nje kwi-ofisi inika ukukhupha-mboleko okanye amatyala, ayisebenzi nje kwaphela. Phakathi kwezinye izinto, ungafumana iinkonzo ezithile ngaphandle kokushiya ekhaya. Estcherez-intanethi!

imisebenzi enjalo oonobangela ezininzi zavuza - hayi amanga? Eneneni, uninzi imibutho ezifundisa ukuba akhuphe mboleko neekhredithi phezu Internet, ngokuqhelekileyo cheat kuphela abathengi. Kodwa MFIs "Imali yakho 'ixesha elide apho eRashiya. Ukuba uya cheat abathengi?

Akunjalo konke. Uyakwazi ngenene ukusebenzisa i-intanethi yaye website esemthethweni lombutho ukukhupha ngetyala okanye imali-mboleko. Noko ke, iya kukhupha mhlawumbi kwi-ofisi (kuyimfuneko ukuphawula xa ku-odolwa), okanye ngqo ikhadi lebhanki. I onguwumbi kunikwa. Akhonto ibitheni, nangona yena inguqulelo virtual ye uyilo ayikho kakhulu kuphakamisa ukuzithemba iinkonzo. Ngenye indlela, ndiyathemba inkampani phantsi igama "imali yakho" ikufanele. Nokuba esemthethweni wabonisa ukuba ukuba mboleko nako, okanye uqhagamshelane ne-ofisi okanye asebenzise kwenyathelo kunokuba ezingaqondakaliyo - ukusetyenziswa kwe-Internet. Ukukhetha zezakho.

iimeko

Yiyiphi inikeza imeko "imali yakho" inkampani ngokuwanika mboleko ukuba abathengi? Indlela bathi abaninzi - intle. Kwaye kakhulu njalo. Sinokuthi, ukusa kumkhamo othile, ukuba ziyalukuhla. Oku unothanda, ibe yingozi ngexesha elifanayo. Ngapha koko, bambalwa kakhulu abantu ehlabathini namhlanje trust microloans-mboleko. Umntu sele "wabaginya masela 'yale hlobo imibutho, ezinye nje isekelwe kwi mposiso nendaba. Ngoko ke ukuba imiqathango yenkonzo bahlawule imali eninzi ingqalelo. Oko inikeza Corporation lwethu ngoku?

Eyona nto ibalulekileyo - kukuba uya ngokuqinisekileyo aqinisekiswe yoyilo in a jiffy. Akukho amaphepha ngokungeyomfuneko, ukuba kukade okanye nantoni na elolo hlobo. mboleko Quick nge umbutho obizwa "Imali Yakho" - yinto yokwenene. Umboleki kufuneka ube neminyaka eli-18 ubudala. Mhlawumbi oku imeko ebonakalayo kuphela.

Kuba iinkonzo kuza kufuneka ube nencwadana yokundwendwela kuwe kuphela. Akukho maxwebhu wesithathu-ziipati. Ukuba ilungu elidla umhlala, unako nazo zingenise isiqinisekiso pension, kodwa oku akunyanzelekanga. Kwaye akukhathaliseki nokuba uvelise indlela yoyilo - nge-intanethi okanye umntu. omnye kuphela yokundwendwela.

Credit bavumelekile ukuthatha inyanga okanye naliphi na ixesha elifutshane. Noko ke, uya kucelwa kuyilo komthombo esisigxina yengeniso, kwakunye ebalula leyo uhlawule kwi "Yakho Imali" inzala kwimali-mboleko. Okwangoku, izinga wonke-2% ngosuku. Le besiphelelo unako "ukuboleka" 25 000. Kwaye akukho nto ngakumbi. Ngoko ke ukuba izithintelo umbutho. Kwaye oku kwakhona wonwabile - akukho namnye uya unilukuhlayo, nonke kuchazwa ngokweenkcukacha.

speed

ingqalelo ngakumbi imiba efana ngesantya kwimithetho yoncedo lwabathengi. Ngapha koko, ukuba baninzi kakhulu "zibukele". Mboleko "imali yakho" ingasiwa njengoko uthembisa, kwimizuzu nje 5. Oko kukuthi, ngoko nangoko. Imvume lwenzeka kwi ndawo, kwi-ofisi. Kwaye umba imali - kakhulu.

Ukuba sithetha isicelo-intanethi, i-mboleko okanye imali-mboleko uza kwikhadi lakho ebhankini. Konke oku (kubandakanywa yobhaliso) kuthatha malunga 10 imizuzu. Yaye ayikho imini umcimbi okanye ebusuku. inkonzo yabathengi ngesantya intlangano yethu namhlanje kakhulu eliphezulu. Le ndlela emehlweni abatyeleli. Ngoku, ukuba ngokukhawuleza udinga imali, unako nje imizuzu embalwa ukusombulula ingxaki ngokwemimiselo kakuhle kakhulu. Ngoko ke sinikele ingqalelo "Imali Yakho" ikufanele.

Noko ke, maxa wambi izicelo Internet zilungiswa ixesha elide (malunga ngosuku). Izinto zenzeka kunqabile kakhulu, musa ukothuka. Umsebenzisi uyakhuthazwa ukuba silinde nje umzuzwana. Eyona nto ibalulekileyo kukuba musa ukuzama kwakhona amalungiselelo-mboleko. "Imali yakho 'ukubamba isigqibo esinjalo njengoko mboleko yesibini. Kwaye emva komzuzwana uya kufumana imali-mboleko evunyiweyo nje emibini. Azikhethekanga kakuhle, kuba le mali agqithise emva kanye oko, ngaphandle kwenzala, ngeke isebenze. Ngoko ke, ukuba isicelo iyenziwa ngaphezu kwemizuzu eli-10, kunjalo musa ukothuka. Kwaye ngokuqinisekileyo musani ukwenza entsha.

Service buqu i "Your Money" ufumana ncomo kuphela HIV. Eneneni, umsebenzi ngokukhawuleza kwaye kakuhle nelungelelanisiweyo. Kanye into oyifunayo. Ufolo kule ofisi, njengoko umthetho, akukho. Kwaye ukuba ezo zifumaneka, uya ngokukhawuleza kakhulu bathi saa - abemi afumane imvume mboleko, oko hambani nje. Ayikho into ekhethekileyo ngayo. Ukuze "imali yakho" (idilesi ngqo kunye yefowuni iindawo ungajonga kwi website esemthethweni lombutho kukuba kuba umzi wakho) - close corporation, lifanelwe ngokwenene ingqalelo. Uyakwazi sithembe naye.

Unxibelelwano lwamatyala

ingqalelo ngokukhethekileyo umba yanamhlanje ifuna umxholo efana intlawulo kwamatyala. Ngokucace kakhulu, umbutho kunxibelelwano banamatyala. Le ngongoma kubaluleke kakhulu, yaye sinikela ingqalelo kubasebenzisi abaninzi. Eyona nto kukuba mboleko micro "imali yakho" inikeza zokugalela nangona phezu nenzuzo, kodwa iimeko esixabiso likhulu kunene. Ewe, uninzi agents bonwabile - bezama nje ukuba ukuthatha imali encinane ukuba ixesha analo lifutshane. Kwaye akukho ezigqithisileyo ezizodwa nakanye. Kodwa ke ingxaki kule ndawo isekhona iyafumaneka.

Yiphi na? Ukuba uya kunganxulunyaniswa ityala kuwe, mhlawumbi, uya kuzisola ngokukhawuleza ukuba waqhagamshelana umbutho obizwa "Imali Yakho". Kutheni? Ngapha koko, le nkampani ithumela phantse bonke abaqokeleli imicimbi yayo. Oko kulula ngokwaneleyo xa intlawulo engahlawulwanga (ingakumbi ukuba imali yeyona inkulu), njengoko iinkampani yokuqokelela iza kusebenza.

Ukuba sinikele ingqalelo koko uza kuhlawula amatyala Izithetha ntonye. Ukuba awukwenzi oku, baya usongo. Ngaphezu koko, njengoko kuqatshelwe ngabathengi ezininzi, "imali yakho", nokuba sele kubuyekezwa ityala, akuyi kupheza na engxakini. Ngamanye amazwi, zonke kuthetha ukuba bakhethe iindlela omnye okanye omnye. Hayi imeko ilungileyo, kodwa kwenzeka oko.

Kuwo wonke lo "imali yakho" omkhanyelayo alikho semthethweni izenzo zabo. Enyanisweni, i "ukulicudisa" umbutho isibheno iinkampani yokuqokelela sele wazama. Kodwa akukho iziphumo zatsho phantsi. Kutheni? amaziko Okokuqala, microfinance - indawo ezingaqondakaliyo. Inkundla azifane kuvela kwimicimbi efana ecaleni umboleki. Okwesibini, ukubonisa ukuba alikho semthethweni izenzo ezinzima kakhulu. Kuphela kukwiimeko ezizodwa kakhulu, bakwazi ukufumana ubulungisa.

Ngokuba yonke le "imali yakho" akuthethi ukufumana umxholo ncomo ngcono. Enyanisweni, thina belahlekiswa. Ekuqaleni wabizela amagama kakuhle, uze ekuqaleni knock out Amatyala mboleko esele ivaliwe. Oku akunjalo kakhulu ezinqabileyo. Ngoko ke lumka. Uninzi lwezigulane bayacetyiswa nje ukuba ugcine zonke iitsheki kunye neerisithi yokuhlawula ixesha elide. Ngapha koko, maxa wambi kwiminyaka emininzi emva unxibelelwano kunye lombutho 'imali yakho "Uyakwazi Ungakhathazeki kubaqokeleli. Kuya kufuneka ubonise ukuba ngexesha kunye nexesha elide ehlawulwa kudala onke amatyala ukuya entlanganweni. amatyala kuphela kuya kunceda kulo. Ukuba kuyenzeka iphulukane, ungalinda neemvavanyo elide. Kwaye, oko, iilahleko emali.

amaphepha

Inzuzo ephambili enika "imali yakho" - le into umbutho akukho amaphepha engaphezulu. Oko kukuthi, kunye yokundwendwela elinye kunye imizuzu embalwa elindele (nangona abanye abathengi bathi izicelo ziyaqwalaselwa malunga 3 iintsuku) ufanelekile ukuba uthathe imali ngokukhawuleza. Kwaye nje elide elifutshane, anemiqathango ezithile, kodwa phantsi kweemeko zivuma. Akukho bungqina amandla akho okuhlawulela, akukho amaphepha! Into oyifunayo! Ngenxa yale nkampani wamkela ingxelo entle kwimisebenzi yayo.

Kodwa loo nto nje abanye abantu ngenene nje esi sisombululo. Ewe, credit okanye umba mboleko kulula ngoku kunangaphambili. Kodwa akukho siqinisekiso sokuba eboniswe kwi kwiinkalo ezifanelekileyo ze data (abafowunelwa) ziya ibe lilifa mboleki. Kutheni le nto kuyothusa?

Abanye abathengi zazigxininisa inkxalabo yabo malunga abaqokeleli ubunjubaqa okanye ezinkulu amatyala-mboleko ethathwe Elucweyweni "imali yakho." Kuphela kukho enye encinane, kodwa - akukho mntu akazange athathe mboleko apho. Ngamanye amazwi, umntu iye idluliselwe abaqokeleli kwi abahlali abamsulwa. Ubungqina bokuba akukho ukuthatha ngetyala kwaye umbutho akukho ngenene umthengi "Your Money," kuba, mhlawumbi, entendelezweni. Ukuba awukwenzi oku, uya kusoloko ungazihluphi. Ngaphezu koko, awukwazi icala labo - le mali kuya kufuneka ukuba uhlawule. Ngaphezu koko, nayo yonke inzala, izohlwayo kunye neentlawulo inzala. Apha ezinjalo engxakini ukuba abemi.

Ntoni lo mbutho "imali yakho '? Yekani. Akukho namnye uhlola iinkcukacha ezinikwe ubhaliso isicelo kunikezelo imali! Oko kukuthi, ukuba nje idini mboleko kwi amagama kakuhle. Kwaye nantsi ke kubalulekile ukuba uthathe ingqalelo isantya wenkonzo. Kungenjalo umbutho asinikezwanga microloans. Kodwa ukuqinisekisa ukuchaneka kunye nokuchaneka yokufaka izikhonkwane.

Ngoko ke, "imali yakho" - intlangano kunokuba ongaqinisekanga ngayo. Kukho abo ngokwenene enganelisekanga emva ukuthetha nabo. Oku kuyinyaniso ngokukodwa "Ukuveza 'eqolo. Khawucinge ngale nto. Kwaye ukuba ngequbuliso uqale obiza kubaqokeleli, ukuqhubeka ngoko nangoko lokuzithethelela! Kungenjalo, ungafumana amatyala amakhulu kuya kufuneka ukuba uhlawule.

akukho mali

Yaye nantsi enye ingongoma, ezifunyenwe ngokumalunga iinkampani zanamhlanje. Yena kuvela kungekhona nje eqhelekileyo, kodwa nikholwe. Ngokufuthi abasebenzisi bazama ukuba akhuphe microloans kwi "imali yakho" nge-intanethi, i-sicelo. Oku kungenzeka kwenzeka. Kuphela ingaba kuyimfuneko ukuyisebenzisa?

Ngamanye amaxesha engozini ishiywa kungekho mali, kodwa ematyaleni. On izigigaba ezinjalo abathengi abaninzi wakhalaza. Oko kukuthi, ukuba uthatha imali-mboleko, enibancomeleyo kuye, kodwa akukho mali, ukuba azifumane. Kodwa ityala, ibalwa yonke imihla - oko niya kwenza ntoni emva kokuba ubhaliso yesicelo nge-elektroniki.

Eyona umdla - kukuba lokuzithethelela nto ngamampunge. Kuphakathi unika ityala okanye uqale ukuxoxa nabaqokeleli kunye ixesha elide ukuze amangalele. Kuyo nayiphi na imeko, isiganeko ezingemnandi. Ngaloo ndlela, "imali yakho" Kuthi luyathandabuzeka midlalo.

yayingabhalwanga

Ngoko njani kwi Internet uyakwazi ukufumana ncomo ezininzi Rave ngentlangano yethu ngoku? Yintoni ngokwenene? Kutheni agents ngokubanzi abanelisekanga ngokupheleleyo kunye corporation, kodwa ushiye uluvo ezintle nto?

"Imali Yakho" (eMoscow nakwezinye izixeko), ukuba bazijongisise, usebenzisa icebo umdla kakhulu lomsebenzi Internet. Yena uthenga uluvo elincumisayo becala. Ngamanye amazwi, onke Ekugudeni kwidilesi lombutho - yinto fake. Ngaphezu koko, lisetyenziswa ukutsala abathengi. Ngokutsho ukukholwa nguye, okanye hayi - ukuba wonke isigqibo ngokwabo. Ngoko ke, otyholwa ubuqhophololo, "Imali yakho 'into ngamampunge. Akukho namnye uphika ukuba nikholwe ngenyaniso iimpapasho. Isigqibo sokugqibela kufuneka kwenziwe.

Ngaloo ndlela, "imali yakho" - na MFI, leyo kukade icangcisiwe, eRashiya uyaphila kakuhle. With konke oku, isebenzisa scheme elide yaziwa nokuphakanyiswa corporation. Kwaye kufuneka zikuthathele ingqalelo oku ingqalelo. Kungenjalo, unako uhlale ityala, kodwa akukho mali kwaphela.

iziphumo

Zeziphi izigqibo linokufikeleleka kuzo zonke ezi zinto zingasentla? Ukunyaniseka, "imali yakho" - ngokwenene kusebenza inkampani. Inika mboleko elifutshane ngokunjalo mboleko. Umlinganiselo wenzala yi overpriced kancinane, kodwa iimeko ngokubanzi zivuma.

Nokuba ngaba uthembe corporation? Ngeliphandle, kuyimfuneko ukuba sokuthandabuza kuyo. "Imali Yakho" ayikho eyahlukileyo kakhulu kukhuphiswano - kwaye kukho inkohliso, namacebo zabo. Abanye bacebisa ukuba abathengi yale nkampani kuphela kwiimeko kakhulu. Uya kwandula ke ngoko nje akwazi ukuba siphephe iingxaki ezininzi.

Ngaloo ndlela, "imali yakho" - yinto enye inkampani nje microfinance, apho i-Russian sele okuninzi. Itsala abathengi bathenga ingxelo (njalo, kodwa ke kwiimeko ezininzi), kwakunye ezahlukeneyo iimeko zivuma. Uxanduva iziphumo mboleki kuya kufuneka bathwale. Lindela kunokwenzeka zabo. Nkqu mboleko ihlawulwe ngokupheleleyo rhoqo ngoko sivule. Mboleko "imali yakho" - ke isisombululo kwabo ngokungxamisekileyo udinga imali. Kwaye uyavuma ukuba ziqhagamshelane kunye corporation, ukunyaniseka, kuyimfuneko kuphela xa bexakekile. Kubhetele ukuba ukuphepha amaziko microfinance, ukuba kukho ithuba enjalo! Inkampani "Imali Yakho" - asinto ngumbutho unokuthenjwa zifa!