Tinodaidza ma microloans tambo diki-diki yemari inogadziridzwa pasi peakanyanya mashambadziro ezvekutengeserana uye ayo anogona kuwanikwa nechero chimiro chemushandisi kuti awane mari mune mamwe mamiriro Kubva pane ino mamiriro ese, iyi kirasi yezvigadzirwa zvemari yakazvimiririra zvinoshanda kune kutarisana nemari isingatarisirwi. Kubva pane invoice isingatarisirwi kune chero mutero wemutero ungamuka chero nguva. Uye zvimwe nekuti chikumbiro kubhangi hachina kugutswa kana nekuti isu tisingasangane nehunhu hwechinodiwa, pakupedzisira, mhinduro chete yasara ndeyekuenda kune ino yakakosha mutsara wechikwereti.
Iko kunyangwe vatengi vanobatanidzwa mune chero runyorwa rwevanotadza vane nzvimbo. Kunyange pasina kupa chero mubhadharo kana kugara uchiwana mari. Kana iwo anonzi ma microloans achizivikanwa nechimwe chinhu, imhaka yekuti akavhurika kune chero chinodikanwa, kusanganisira chako dai zvanga zvakadaro. Vari nyore kurongedza uye mumaminetsi mashoma iwe uchakwanisa kutarisa kuti vakanyatso kupihwa kwauri. Ehezve, mune zvese zviitiko pasi pechinodikanwa icho hachina kuwanda nekuti ivo vanogumira kune mashoma emari mari.
Kana iwe uchida kuita kondirakiti chimwe chezvikwereti zvidiki izvi, iwe unofanirwa kuziva kuti parizvino pane akasiyana mapuratifomu emari anopa avo masevhisi ekugutsa uku kudiwa kubva kune vatengi. Chimwe chezvinodiwa ndechekuti zvakagadziriswa pamhepo. Sezvinei, kubva pakombuta yako wega kana chimwe chigadzirwa chehunyanzvi kurerutsa uye kugadzirisa, asi zvakanyanya mashandiro. Saka kuti mune ipfupi nguva yenguva pane zvakajairwa iwe une iyo mari inodiwa muako yekutarisa account. Nenzira iyi, kudiwa kwema microloans kunoitwa zviri pamutemo.
Microloans: anosvika chiuru euros
Ehezve, kana iwe uchingoda yakawanda mari, iwe zvirinani urege kuedza. Pano haungawane muhombe mari zvachose. Kana zvisiri, pane zvinopesana, matipi mashoma emari ekushandisa ndiwo anogoneswa. Nemvumo yepamusoro iyo iri pakati pe makumi maviri nemakumi maviri nemairi euros. Zvekuti nenzira iyi unogona kugadzirisa chinetso chidiki mune yako liquidity uye kukudziridza zvimwe zvezvinangwa zvakaburitswa pachena mune ino chinyorwa. Chero zvazvingaitika, kudarika aya margin margins ichave isingaite basa.
Kune rimwe divi, aya akasarudzika marudzi emakadhi echikwereti ane nguva refu kwazvo yekubhadhara nekuti uchafanirwa kugadzirisa mashandiro mumwedzi mishoma kwazvo. Chero zvazvingaitika, kana iwe ukasasangana nemamiriro acho, iwe unofanirwa kuziva kuti zvirango zvacho zvinonetsa nekuti vanogona kukuchaja mubereko pamubhadharo wekupedzisira wakakura kupfuura makumi maviri uye zvakatonyanya mumazano anotambudza zvakanyanya kune vashandisi veizvi zvigadzirwa. Kubva pane ino mamiriro, iwe unofanirwa kuongorora kuti iwe unogona kunyatso kudzorera iyo mari yakakweretwa. Nekuti iwe unogona kubhadhara mari yakawanda kwazvo pane yekutanga kukwidzwa.
Kufarira pamusoro pe20%
Chimwe chinhu chakanyanya kukosha pane izvo zvinonzi ma microloans ndezvekuti mune zvese zviitiko iwe uchafanirwa kutora yakakwira yakanyanya chiyero. Ehezve, pamusoro pezvakajairwa zvikwereti zvakagadzirirwa nemasangano echikwereti. Hazvishamisi kuti kubvumirana kwayo kunotakura kufarira pamusoro pe20% uye kuti mune dzimwe nguva vanogona kusvika pamatanho e30%. Ichi chokwadi chinokanganisa neakakosha kukosha mune yako mwero wechikwereti inogona kusimuka zvine njodzi. Iyi poindi inofanira kukosheswa kana iwe usiri kuda kuve nekumwe kushamisika kusiri kubva panguva yekuhaya kwako.
Chokwadi chinodikanwa mukirasi ino yezvikwereti ndechekuti mapuratifomu ezvemari anovaita ivo varege kuchidana kuti chiyero chemari. Kana zvisiri, pane kudaro, zita rayo nderemari uye ndiyo imwe nzira yekuda kukutsausa iwe panguva chaiyo yekuita kwayo. Kunyangwe izvi zvisingafanire kuve zvakadaro sezvo paine zvakawanda zvekufarira zviri kuenda kwauri kune ino yakakosha pfungwa muhupenyu hwechikwereti. Kune rimwe divi, iyi tambo yechikwereti yatiri kutaura nezvayo haireve hapana mhando yemakomisheni kana zvimwe zvinoshandiswa mukutarisira kana kuchengetedza. Sezvazviri zvino nezvikwereti zvebhangi. Nemakomisheni ekuvhura, kudzidza kwekutanga kudzimisa kana chero imwe inogona kusvika kusvika ku2% zvine chekuita nemari inodiwa.
Zvipo zvinoita kuti chako chikumbiro chive chakachipa
Nekudaro, iwe unayo imwe nzira yekutengesa kuitira kuti pakupedzisira iyo chikwereti chiduku mahara. Ungaite sei chiito ichi chinodikanwa nevashandisi? Zvakanaka, zvakapusa kwazvo kuburikidza nezvipo uye kukwidziridzwa kwevashandisi vatsva. Iko mumwe wavo anomiririrwa nezvirango zvinobvisa chero mhando yekufarira mukutanga kuda. Usavhiringidzika nekuti zvinoshanda chete pane imwechete chiitiko, chekutanga chavo. To gare gare kubhadharisa iwe zvakajairwa fizi mukutengesa kweiyi diki tera yechikwereti.
Ichi chiito chine chinangwa chikuru kuedza kukwezva vatengi vatsva uye kuzviita vanozivikanwa pakati pavo. Ehe inogona kuve mamiriro akanaka kwazvo kune ako zvaunofarira uye kana uchizoenda kukurumidza kudiwa mashoma ma euro kubhadhara chero chinodikanwa chinogona kumuka chero nguva. Icho chinhu chiri icho mapuratifomu ezvemari anotarisira kugovera aya madhora madiki anga achive achiita pamwe neakawanda frequency. Beyond iyo mamiriro iwe iwe mune yako yekuhaya.
Kubva kumapuratifomu emari
Izvi zvikwereti zvinotengeswa nemakambani anozvipira kune iri bhizinesi niche uye kuti iwe unogona kuwana kutsikisa kwavo mune chero midhiya. Vazhinji vacho vakatove vakakurumbira pakati pevashandisi uye kusvika padanho rekuti maitiro avo ari mumhando yepamhepo. Ichi chokwadi mukuita chine zvimwe zvakanaka zvekuhaya kwako, pakati pezvimwe zvikonzero nekuti iwe unozokwanisa kufambisa chinodikanwa zvakanaka pamba kana kubva kunzvimbo yauri panguva idzodzo. Kuburikidza nemaitiro ari nyore kupedzisa uye asingatore anopfuura maminetsi mashoma.
Kune rimwe divi, mukati meichi chirevo, haugone kukanganwa chero nguva kuti izvo zvinonzi ma microloans zvinopa izvo zvisinganyanyoda, uye zvingangokubatsira iwe nerubatsiro rwe akanyanya zvinyorwa zvemunhu uye garandi yeakaundi yekutarisa, kuzadzisa chinangwa. Kubva pane izvi chikamu, maitiro ako anogona kutakurwa zvakanyanya kutakura kubva zvino zvichienda mberi. Kunyangwe uchifunga kuti iwe hauzove nesarudzo kunze kwekuita yakakura mari yekuedza kupedzisa mashandiro mumazuva avo anoenderana.
Kubatira mu online fomati
Kana zvakadaro iwe unofanirwa kutora chimwe chakasiyana chimiro, imhaka yekuti kurongeka kwayo kuri online. Kusvika padanho rekuti mumaminetsi mashoma iwe uchazoziva kana vakupa aya madiki mari. Iyi chaiyo yakasarudzika manejimendi inoreva kuti kurerutsa kwayo kunoenda nenzira inokurumidza, pasina anopfuura mazuva makumi matatu kana makumi mana nemashanu, uye kusateedzera kunoda zvirango zvakakomba kunevanoibata. Pane rimwe divi, nzira dzokutungamirira ivo vachange vari vashoma zvakanyanya pane zvine chekuita neyechinyakare kiredhiti mitsara. Izvi zvinorevei? Zvakanaka, hapana kana kupfuura kana kushoma kana iwe uchafanirwa kubhadharisa payroll kana sosi yemubhadharo wenguva dzose. Kwete kunyange iyo chokwadi chekuti iwe uri kushanda mukambani.
Kunyangwe iwo mamiriro ekubvumirana izvi zvigadzirwa nemari yepachivande ari akapfava, uye kuti ivo vachikurudzira kubvumirana kwavo, haugone kuzorora mune chinodikanwa kubva zvino zvichienda mberi. Ichokwadi kuti iwe unogona kuwana ino kirasi yezvikwereti kunyangwe iwe uchiverengerwa mu rondedzero yevanoshaya. Semuenzaniso, iyo yakakurumbira RAI kana ASNER, pakati pezvimwe zvakakosha. Nekuti mazhinji emamirire ayo ekushungurudza anouya mukudhindwa kwayo kwakanaka. Uye saka, zvichave zvakafanira zvakakwana kuti iwe uongorore chibvumirano kuti usazotora chero zvimwe zvinoshamisa zvisirizvo kubva zvino zvichienda mberi.
Zvakanakira kuhaya
Nekudaro, zvinogona kugara zvichikubatsira iwe kuti ubve mune yakaoma mamiriro. Kunge mabhenefiti ayo aripo mune mamwe eaya mamiriro. Imwe yadzo ndipo paunofanirwa kutarisana nemari yebhangi nekukurumidza kukuru. Semuenzaniso, kubhadhara mukweretesi, kupera kweresiti kana kungoita muripo usingafanoonekwe muakaunzi yako kana yemhuri.
- Iwo zvakare anobatsira kwazvo kana haukwanise kuwana zvikwereti kubhengi. Kusvika padanho rekuti hauchakwanise kusarudza chero chehwindo rechikwereti kuti uwane zvaunoda padyo.
- Kugadzirisa zvidiki chaizvo zvirevo uko isingazokubhadharise iwe kukumbira chikwereti kubva kubhangi rako raunogara. Kana pamwe ivo havana mutsetse wechikwereti weaya akakosha maitiro.
- Kana zvaburitswa zvinopihwa kana kukwidziridzwa izvo zvinoderedza zvakanyanya kufarira kwauchazobhadhara kune aya madiki mafambiro maererano nemari yavo.
- Pakupedzisira, zvakare panguva iyo kukurumidza kwekuda inokutadzisa iwe kuenda kune kumwe kunove kwakaoma sosi yemari maererano neiko kuitisa kana kwete. Sezvo chaunoda iwe kuva nemari mumaawa mashoma muaccount yako account.
Pakupedzisira, ma microloans ndeimwe sarudzo yemari yakavhurika kune chero mhando yehuwandu. Kubva pakuona kwangu, ndihwo hunhu hwayo hukuru mukuwedzera kune izvo izvo izvo zvekuti zvidiki zvacho.