Yintoni na amaziko microfinance?

imibutho microfinance kunye microfinance zibaluleke kakhulu start-ups. Oosomashishini engena kwimarike, lufikelela imithombo yemali. Khawuve iinkcukacha ngakumbi oko okuthathwa amaziko microfinance.

iimpawu ngokubanzi

Xa ezoqoqosho, a microfinance baqonde ubudlelwane ezithile wemali phakathi kwemibutho ezibonelela ngeenkonzo ezifanelekileyo, kunye namashishini amancinci phakathi qha lobuqu kufutshane. Lo msebenzi ubandakanya ukuqokelelela asethi, ukubonelelwa ngezikim lula. Ukufumana i-capital kuyimfuneko yenziwa ngokwe siseko lokuhlawulwa kwenzala, intlawulo, elifutshane ukuzithemba. Kuthetha ngexesha elinye kufuneka isetyenziswe ngqo kuphuhliso iqumrhu loshishino.

amaziko microfinance: ncomo

aba iinkampani kugqiba ngoosomashishini ezininzi abanomnqweno. Xa iimeko mihla ukuqala ukusuka ekuqaleni kuyingxaki kakhulu. Oku kwenza kube yimfuneko ukuba akhangele amanye amajelo eyongezelelweyo mali. Njengoko oosomashishini ngokwabo, amaziko microfinance zenza inkqubo abolekisa esebenzayo inamandla kakhulu. Iimali ezifunyenweyo avumela ukuvuselela ngakumbi imveliso kunye nokuhanjiswa kwemveliso kunye neenkonzo. Kananjalo kubalulekile ukuba koosomashishini abatsha banethuba nje kuphela ukufumana amava market eyimfuneko ekwenzeni inzuzo, kodwa kwakhona ukuqalisa ukuze yande eyinkunzi.

imisebenzi

amaziko microfinance zinika amacebo mboleko bhetyebhetye. Le mifuziselo zikuvumela ukuba woyise imiqobo lula kwaye uqale ishishini ukusuka ekuqaleni, kungekho imbali ukulingana ngetyala. Ukongeza, ezi nkampani negalelo ezi njongo zilandelayo:

1. Yandisa inani ngoosomashishini kweli lizwe.
2. ukukhula ezibanjwayo.
3. Formation imbali yekhredithi senkxaso elizayo kwicandelo logcino.

buhle

amaziko microfinance zibonelela ngeenkonzo ukuba oosomashishini, ukongeza iibhanki zorhwebo. Ngoko ke, kukho someleza ebonakalayo kwinkqubo mali karhulumente. Amaxesha amaninzi iimeko ezinikezelwa ziibhanki, ayabiza kakhulu amashishini. Njengoko enye yeengxaki eziphambili kuyinto edingekayo ukuze ngetyala. Imibutho microfinance ukunika imisebenzi ezincinane kunye nengozi ephantsi yaye aba ngcono. Iinkonzo enjalo akundilungele kwiibhanki zorhwebo.

izifundo

Iinkonzo microfinance zinikwa:

1. amaziko ezizodwa sizinikele ukuze yokubolekisa ngemali. Nabo ke, bathengwa kwimithombo yangaphandle.
2. zabasebenzi Credit. Basimisela inkampani kunye nobulungu ehlangeneyo. Bona walibumba ukuba ukubonelela ngeenkonzo mali kumalungu ayo. Le mali iphuma igalelo amalungu ngqo. Ngokuqhelekileyo, izakhiwo ezinjalo musa ukuba amagalelo bangaphandle.
3. Credit op yezolimo. Kananjalo umanyene sobulungu ehlangeneyo. Zisebenza kakhulu ezifama kunye neenkampani inxaxheba kunye / x imveliso.
4. Funds zokuxhasa amashishini amancinci. Bangafika kamasipala okanye karhulumente. Ezi imibutho zibonelela ngeenkonzo ngaphandle kwephepha-mvume ye ibhanki.

ulwazi zembali

Ishishini microfinance iye yaba sisiphumo sophuhliso micro-credit. UNjingalwazi Muhammad Yunus ngo-1976 waseka ibhanki "ulawulo oluqhelekileyo". Kuyinto liziko ezizodwa xa siboleka baseBangladesh amahlwempu. Kukholelwa ukuba kulo nyaka, yaye wazalwa microfinance. Emva kwethuba kwakukho nezinye iinkonzo kubantu ephantsi imivuzo. Umzekelo, kwaye kwaqalisa ukuba microinsurance, mikrovlady njalo njalo. Ngokutsho manani, banikwe Bank yeHlabathi, ngo-2005, ngaphezu kwama-7 amawaka. Ezi nkampani asebenza ehlabathini. Xa zizonke, abathengi zabo malunga nezigidi-16 zabantu kumazwe awahlukeneyo.

Umsebenzi eRussia

Le nkampani microfinance Russian thaca weentlobo ezahlukeneyo zomthetho. Le co-operatives asebenze amashishini ephambili micro-credit. Nakuba kunjalo, kufanele kuqatshelwe ukuba uphuhliso lwamaziko microfinance eRashiya udlula njengoko kakhulu njengoko kwamanye amazwe. Kukho zimbalwa kakhulu iinkampani ezizodwa ukuze enze uninzi imicimbi ezincinane ngetyala. Kuba lokuqulunqa nokuphuhlisa nokongezeka kwenkqubo yenkxaso karhulumente sikhokelo esemthethweni kuyimfuneko yaye kufanelekile. Omnye Amanyathelo okuqala isisombululo kwezi ngxaki yaba umthetho "On imibutho microfinance". Kwavunywa nguRhulumente Duma ngo-2010. Federal Law №151 ilawula ukusebenza loo iinkampani, ubungakanani, iimeko kunye neenkqubo ngokubonelela ngemali-mboleko ezincinane kubemi.