MFI "Kashalot Finance": ncomo. mboleko imali ngokukhawuleza

amaziko microfinance wazalelwa eRussia 90 ekuqaleni. Kwinkulungwane yokugqibela bakuthandileyo ithandwa kangako. Ukuze "amadlelo evulekileyo" Iinkampani microfinance baba de-2010, xa umthetho lokugqibela ligqithise kumgangatho federal, nto leyo evumela ukulawula ubudlelwane phakathi kwemibutho ezibonelela ngeenkonzo microfinance, kunye noluntu.

Yintoni i MFI, nento odla?

MFIs - Amaziko zemali azibandakanye ekunikezeleni micro-mboleko ukuya labemi. Ezi uvuna kwemali ukunikwa ixesha elithile, kunye ukubuya umdla pre-emiselwe ukuba bayisebenzise. ixesha lokuhlawula ujongene ubuncinane iintsuku ezi-5 kwaye ukuya kunyaka. Kodwa igama kakhulu ethandwa, ekuthe labemi ubuyisela ityala - ngenyanga.

Indaba

Unyaka wokuzalwa kwilizwe microfinance ngunyaka-1976, xa uNjingalwazi Muhammad uYunus waseka ibhanki "ulawulo oluqhelekileyo". Yena ezikhethekileyo enika micro-mboleko ukuya baseBangladesh amahlwempu.

Kamva ukuba iyafumaneka thina kongezelelwa kunye neenkonzo ezifana mikrovklady kunye mikrostrahovka. Olu ncedo-mali yenzelwe abantu nemivuzo ephantsi. Ukuza kuthi ga ngoku, ehlabathini lonke, kukho amaziko malunga 10,000 microfinance ukuba bazibandakanya inkonzo ngaphezu kwezigidi ezingama-20. Abantu kumazwe kwihlabathi wesithathu kwaye kumazwe asakhasayo.

MFI Ngokungafaniyo iibhanki

Umahluko ukususela MFI of ebhankini - oku ukunyaniseka eliphezulu ukuya ezinokuba ababoleka imali yabo. Kuba amaziko microfinance ayikho ingxaki lobukho ngumthengi imbali ngetyala ntle, ngelilixa iibhanki, le nto ibalulekile kakhulu. Mboleko ukuya MFI wenza onke amaqela - abafundi, umhlala-phantsi, hayi ngokusemthethweni abemi ndisebenza, nâbo bangenakutya lokubonisa ingeniso yabo.

Iibhanki kunye MFIs abayi bekhuphisana iinkampani. Oku kunokuba isakhiwo edibanayo - inika iibhanki kunye MFIs ukwahlula enye kwenye. Iibhanki zinika mboleko ixesha elide kunye ekhulwini ngokupheleleyo ofanayo kunye MFI - mboleko imali encinane nje ixesha elifutshane.

Iindleko Inzala ukuba ukusetyenziswa

Njengoko ukuba ukukhutshwa mboleko imali, naliphi na iziko lamatyala usemngciphekweni, uye azame kusengaphambili kuyo. Ukuze ubuncinane ukuthintela ukulahlekelwa yimali, MFI walala umngcipheko wakho ipesenti ye-mboleko.

yangosuku inzala micro-credit yi-avareji ye-2%, kunye APR, ngokulandelelana, 730%. Kakubi ngokuchaseneyo i MFI abemi bakholisa ukwenza iingxoxo zabo kuloo aksenti. Kodwa ke ubalo kufuneka kukhunjulwe ukuba ixesha apho imali-mboleko sithathwa kuhlala ngenyanga. Eyona njongo iphambili ye-mboleko - ukuqhuba ngaphandle de iintlawulo zemali olandelayo, akuyiphelisi zibangel 'umdla ngenxa yokusetyenziswa eliphezulu kakhulu.

Indlela yokwenza isicelo

isicelo lokuphuma kulula kakhulu. mane ugcwalise isicelo kwi-ofisi MFI. microloans Ikhutshwe ngaphandle checks. Ukuze ufumane mboleko ayifuni guarantors, yaye ayichazi akananto okanye aqokelele iseti ethile yamaxwebhu.

Impendulo isicelo abuyiselwe imali eza ngokukhawuleza kakhulu: imizuzu nje 15-20 silindile. Ngoko nangoko emva kokuba senziwe isigqibo entle isicelo semali-mboleko, imali inikwa phandle.

Indlela ukufumana microloans ngaphandle kokushiya ekhaya

Daily ukunyuka kwemfuno microloans kukhokelela ukuvela kweemarike zemali ezininzi zemibutho ezintsha. Kwaye ukuze ibenokuphila kwindawo namhlanje zokhuphiswano kakhulu, iinkampani kufuneka ukuba baye kuzo zonke ezi amaqhinga amatsha.

Ukuze ukutsala kubaboleki ngaphezulu nezikhundla zabo, amaziko zemali kulwabiwo iinkonzo ezibonelelwa intuthuzelo usebenziso olulula. Ngokomzekelo, amaziko microfinance zidalwe, ungenza isicelo apho isicelo iyure ngetyala. Ngoku akukho mfuneko yokuba ulinde iiyure ezithile yokuvula yenkampani - kamsinya nje bekukho imfuneko imali, ungenza isicelo ngoko nangoko.

Kwakhona wafumana inkampani enkulu yophuhliso, ekuqhubeni imisebenzi yabo ngokupheleleyo intanethi. Ukuze ufumane imali-mboleko inkampani, ngokwaneleyo ukuba bazalise an online isicelo kwi esemthethweni website okanye iqabane sayithi, kwaye yilindele impendulo. Emva kwemizuzu 15-20, ulungele. Ukuba sigqibo, imali mboleko nga kutshintshelwa ikhadi okanye akhawunti, lokurhoxisa-mboleko usebenzisa iinkqubo zekhompyutha (umzekelo, "Yandex"), okanye ngenkqubo kweentlawulo nangoko.

Indlela ukuthekelela abahlalutyi zemali, imeko yangoku MFIs ehlabathini kuba nempembelelo ezaneleyo kuqoqosho, kwaye ekuhambeni kwexesha iza kwandisa kuphela.

Indlela ukukhetha inkampani ekunene

"Le sperm Finance" phakathi amava MFIs amaninzi 'apho sicebisa kweli nqaku imiqathango liyibeka elubala kwaye ithembisa ukuba mboleki.

Microfinance Umbutho "Kashalot Finance" ngumbutho yamaziko 35 ngetyala, ezo ngokukhawuleza imini nobusuku ukulungele ukufumana kwaye sikwazi ukusiphumeza esi sicelo mboleko leyo. Le MFIs ezigqamileyo zifakiwe kweli qela zezi "lighthouse", "Union Finance" yaye "iNkokeli".

Ifumaneka kwi nkampani Kashalot Finance "reviews yeemeko yokubolekisa kwenza kucace ukuba iyahluka ukusuka uhlobo lwazo;

1. Le nkampani yehliswe intsebenziswano ixesha elide nge iklayenti (ngaphezu konyaka).
2. MFO "Kashalot Finance" xa ezalisa isicelo efanelekileyo ukuze ufumane imali kwi website esemthethweni, ngoko ithumela isicelo yomboleki kuzo zonke iinkampani qela.

Konke oku kwenziwa ngemvume ebhaliweyo client. Emva kweeyure ezimbalwa, mhlawumbi imizuzu, kuxhomekeke umthwalo la mashishini, inkampani wafumana umnxeba emazisa ngale sigqibo.

Phi yaye kubani ukuze isicelo

Umsebenzi siza Kulula kakhulu. Ikhasi lasekhaya libekwe isiphakamiso ngokuzalisa ifom yesicelo, leyo kufuneka ukhankanye iinkcukacha eqhelekileyo: isini, ubudala, igama, yaye ifowuni ukuze ingxelo. Ngoxa ingqalelo le ngxelo nga zifundwe kwiphepha "Kashalot Finance" ncomo ezivela kubantu abasele abazuze iinkonzo yale nkampani.

MFIs ngokusebenzisa umsebenzi ezintsha ubuchule babo negalelo uboleka abantu abangaphezulu kwama-25,000. Kwaye oku kumda!

Ukungena mboleko "sperm whale Finance" akukho nzima. Imali lokuqala 1,000 engange, yaye ekugqibeleni is serious 100 000 engange. Ukubuyela imali ingaba ngeveki okanye elona xesha lininzi - iminyaka 1.5. Akukho iingxaki ungathanda ukuba nakumqinisekisi okanye ukunika iziqinisekiso emsebenzini. uxwebhu Kuphela ngummi Russian Federation. Abathengi with "wabulawa" imbali credit abe-90% kakuhle ukuba umba kwi "sperm Finance" mboleko. Inzala ukuba ukusetyenziswa yokukhanya: 0.5% yonke imihla.

Gcwalisa isicelo, umxhasi unika imvume enohlobo processing of data zakhe, ukukhangela ukunyaniseka kwedatha enikiweyo kubo avumele unyango CHB, ngokunjalo ukucacisa isakhono kwamatyala ebalaseleyo ngetyala.

Ukuze zokubonga abuyele nkqubo

Kufuneka siyilungiselele loo, kwiimeko ezithile, i-MFI ukuze emfundo la maxwebhu alandelayo:

• ukuba ikhona - mvume zokuqhuba okanye ipaspoti;
• SNILS;
• Isiqinisekiso bank malunga asethi zemali uMboleki okanye ifomu 2-emhadini.

Kuba ngumthengi nokunikezelwa ezinokubakho kufuneka uvumelane ngokuphelele ngeendlela ezimbini: ukuba ibanga lobudala ukusuka kwiminyaka eli-18 ukuya kwengama-75 ubudala kwaye ube ngummi laseRashiya.

Kwiindidi ezahlukeneyo abemi ofake isicelo MFI, kukho iinkqubo ezithile ezikhethiweyo-mboleko kangcono imiqathango yembuyekezo bhetyebhetye. Kwiimeko kwesicelo ngokuphindaphindiweyo eqolo, sinokuqiniseka ukuba iimeko ezilandelayo kakuhle ngeepesenti ezimnandi.

Imbuyekezo kwi "sperm Finance" kunokuba ezahlukeneyo. Oku kunokuba intlawulo yezavenge ngeveki ngokulinganayo de ekupheleni kwekota echazwe kwisivumelwano. Okanye ngomhla ekupheleni kufuneka ibuyiselwe ukuboleka isixa semali, ngomdla ukusetyenziswa kwayo.

Umntu unikwa ilungelo indlela self-ukukhethwa lokubuya kwaye kuthetha apho bekuya ukwenza njalo. Imali ukudluliselwa ngokusebenzisa ikhadi, akhawunti, e-izipaji kunye nenkqubo enye lobhaliso ngoko nangoko.

Emva kokufunda i "sperm Finance" ncomo umthengi, kunokwenziwa isigqibo sokuba kuphela embi evela kwinkampani - ukungavumelani indawo. Ngamanye amazwi, kuphela abahlali imimandla ethile kwelo lizwe boleka imali evela kwinkampani.

Ukuba eli nqaku zange ukufumana iimpendulo kuzo zonke imibuzo ungasoloko ukubiza i "sperm Finance" (inombolo yomnxeba afumaneka kwi website esemthethweni ye nkampani), okanye ucele umnxeba emva umqhubi, ngubani na ukwanelisa ngokupheleleyo ukwazi yakho.

Sebenzisa iinkonzo MFI okanye hayi - into labucala. Kodwa musa ukulibala le ntetho ukuba uthathe omnye umntu, nokuba okwethutyana, kodwa ke kufuneka ukuba bahambe naye kwaye bonke.