Imali mboleko ngaphandle kwamaphepha, esona sisombululo sikhawulezayo nesikhuselekileyo

Imali mboleko ngaphandle kwamaphepha ukuba zikhona, nokuba zivakala ngathi zinobuqhetseba okanye bubuxoki, enye yeenkxalabo uninzi lwabantu olunayo, ihlala iyinkunzi yabo iphantsi kweemeko zomngcipheko.

Uninzi lweenkampani ezinikele ekunikezeleni oku Uhlobo lwezemali olusebenza kwi-Intanethi kwiwebhusayithi, ke yinxalenye ebalulekileyo yenkqubo yokuthumela ulwazi lomntu lomntu onomdla wokufumana imali mboleko kwinkampani ngale ndlela, ephakamisa ukuthandabuza malunga nokubiwa kolwazi lwe-Intanethi kunye nezinye iimeko ezingenandawo okanye inyani, ukuba ufikelela kwiphepha eliqhelekileyo lemicredit, unokuqiniseka ngokupheleleyo ukuba idatha yakho iya kuhlala ikhuselekile.

Ungajonga njani ukuba ngaba i-portal encinci ikhuselekile?

Iinkampani ezibonelela ngee-microcredits njengeyona mveliso yazo iphambili, ziyazi ukuba zivelisa imvakalelo yokuthemba abathengi bakho kubaluleke kakhulu ukubatsala. Ngesi sizathu, banikezela ngesiqinisekiso esikhulu malunga noku. Kwaye eyona ixhaphakileyo kukuba balandele iingcebiso ezinyanzeliswa yi-AEMIP, oko kukuthi, Umbutho waseSpain weMicrooloans, Eseka amanyathelo okhuseleko awahlukeneyo ekufuneka athathelwe ingqalelo, umxholo wawo unokuqwalaselwa nangubani na.

Eyona nto ibaluleke kakhulu xa usenza inkqubo ye-microloan naphina kukuqinisekisa ukuba, kwi ngaphezulu kwesikhangeli, kanye ecaleni kwe-URL okanye idilesi yewebhu, i icon evaliweyo eluhlaza ivaliwe iyavela. Ukuba kunjalo, unokuqiniseka ngokupheleleyo ukuba ukhangela iphepha lewebhu eligcina kwaye likhusela idatha yakho yobuqu. Kubaluleke kakhulu ukuba idilesi yewebhu iqale ngoonobumba u-https endaweni yokuba iqale kuphela nge-http njengezona ndawo zininzi, kuba unobumba "s" ekugqibeleni ubonakalisa ukuba i-web portal ine-security security protocol.

Inkangeleko yephepha, siyazi kwangaphambili ukuba ayisiyiyo ethembekileyo iyonke, kodwa imbonakalo ihlala ihambelana kakhulu nokuthembeka okunikwa inkampani.

Ngokubanzi, amaphepha angahlelwanga kakuhle avelisa ukungathembani phakathi kwabasebenzisi bawo. Ngale ndlela, intuition ithathwa njengeyona nto ibalulekileyo ekufuneka ithathelwe ingqalelo.

Kucacile ukuba, ekugqibeleni, ukusetyenziswa kunye nokuphathwa kwedatha yobuqu, yenye yezona zinto zixhalabisayo kwabo banomdla wokufumana isivumelwano esincinci, yiyo loo nto uninzi lweenkampani ezinikele kweli candelo zizama ukunikezela amanyathelo okhuseleko asekwe ngabaphathi, kunye nokuncinci ngakumbi ukufumana ukuthembela kwabathengi.

Ukubaluleka kolawulo lolwazi

La Umthetho weOrganic on Protection Data Ibeka uthotho lwezibophelelo ekufuneka iinkampani zithobele malunga nokusetyenziswa kolwazi olunikezwe ngabasebenzisi bazo. Kungenxa yokuba xa idatha yobuqu ibhaliwe kwi-intanethi, iinkqubo kufuneka zisekwe kwaye imigaqo yokhuseleko efanelekileyo ukuthintela ukubakho kwesazisi okanye ukubiwa kolwazi.

Ukubiwa kwale ngcaciso ibalulekileyo iye yathandwa kwiminyaka yakutshanje. Iinjongo zabaphuli-mthetho abenza njalo kukucela into encinci, ukugcina ikomkhulu nokwenza omnye umntu abe noxanduva lwabo imali epheleleyo. Ngokwezibalo, ubuninzi bobusela eSpain ngamalungu osapho abayaziyo idatha ngokugqibeleleyo.

Imibutho yezemali elawula ii-microcredits Bafuna kakhulu xa kufikwa kumba wezokhuseleko. Umzekelo, kwinkqubo yokuvavanywa kwesicelo se-microcredit, ezi nkampani azijongi nje ukujonga ukuba ngaba umthengi unelungelo lokuyibuyisa, kodwa banesibophelelo sokulwa imali okanye naluphi na uhlobo lwenkohliso njengoko kuchaziweyo umthetho. Ukusilela ukwenza njalo, banokujongana nezohlwayo ezinkulu ezibekwe ngabalawuli.

Izibonelelo ezibini ezilungileyo zeemicrocredits

Eyokuqala kwezi kukuba ixesha lokulinda kunye nedipozithi yekhredithi imfutshane kakhulu kwaye isibonelelo sesibini kukuba akukho sidingo sokuthumela amaxwebhu okanye iphepha elibanzi ukufumana isicelo esivunyiweyo. Ngokucacileyo, ukuze unikeze abathengi ezi zibonelelo, kubalulekile ukuba ube nazo izixhobo zokhuseleko ezizodwa.

Isitshixo sokukhetha inkampani echanekileyo silele ekwazini indlela yokukhetha ukhetho olunikezela esezantsi inzala kunye neemeko ezingcono ekubuyisweni kwemali.

Eli licandelo lentengiso elingagutyungelwanga ngamashishini ebhanki emveli, athe aphuhla kumda wobunzima kunye nokufikelela kwi-intanethi. Inqanaba lebhasi elawula icandelo lelama-200 ezigidi zeerandi.

Ukhuphiswano kwicandelo luqale ixabiso lemfazwe ukufumana isabelo sentengiso. Ukuba sithatha imali mboleko ye-euro ezingama-300 njengomzekelo, intlawulo yemali yeentsuku ezingama-30 inokuba phakathi kwe-84 kunye ne-111 ye-euro kwinzala, emele phakathi kwe-28% kunye ne-37%. Kodwa zininzi iinkampani zolawulo lwe-microcredit eziye zasungula ii-microloans kwii-euro ezingama-5 zomdla okanye simahla kubathengi abatsha.

Este kwicandelo lemali iyaqonda ukuba amaxabiso aphezulu okusebenza kunye nesantya semali mboleko, iyenza ukuba yamkelwe njengemveliso entsha eSpain, ethi ke ibangele imvakalelo ethile yokungathembani kubathengi.

Akukho mgaqo uthile kule nto Icandelo lezinto ezincinci, Iinkampani zilawulwa ngummiselo osekwe kwizivumelwano ze-microcredit zokusebenzisa kunye nokuthengisa kude. Kungenxa yoko le nto ngenjongo yokukhuthaza ukusetyenziswa kwesi sixhobo sinemali ebizwa ngokuba yi-AEMIP kwiminyaka embalwa eyadlulayo, ethi namhlanje iqoqe ngaphezulu kwesiqingatha sazo zonke iinkampani ezilawula le nkonzo. Eli ziko lolawulo likhuthaze ikhowudi yeendlela ezilungileyo, ezineseti yemigangatho unikeze ukhuseleko olukhulu kubathengi, ukuququzelela iindlela zothethathethwano kwiimeko zokungahlawuli okanye zamabango, umzekelo.

Las ubuchwepheshe obutsha Ziyinxalenye esisiseko yee-microloans, apho isiqinisekiso esipheleleyo sokhuseleko sinikezelwa ekusebenzeni kokucela ii-microloans.

Iinkampani ezilawula ii-microcredits, baphethe ukuthengisa kunye nokukhuthaza esi sixhobo sezemali, basebenzisa amanqanaba aphezulu okhuseleko ngokuqesha iingcali kwiinkqubo zamaphepha abo ewebhu, afana kakhulu neebhanki zemveli kunye namaziko emali. Kungenxa yale meko ukuba inkqubo ye Faka isicelo semali mboleko ekhawulezileyo, iphawulwa ngokunikezela ngokhuseleko olupheleleyo kunye nokugcinwa kolwazi lwabathengi kunye neentshukumo zabo. Ngale ndlela, iimeko zobuqhetseba zinqunyelwe kumathuba ambalwa.

Ukususela kumzuzu ongena kuwo iphepha lewebhu Ukuqala ukugcwalisa iifom kude kube kunikezelwe ngeemakethi ezincinci, wonke umthengi uya kuba nokuqiniseka ngokupheleleyo ukuba ukuhamba kwabo kukhuselekile ngokupheleleyo.

Inkqubo yokukhutshelwa kwedatha, yenziwe ngokuchanekileyo kwaye naliphi na inani ledatha liya kubhalwa ngokufihlakeleyo ukuqinisekisa ukuba uyimfihlo. Umxhasi angenza nayiphi na intshukumo kwaye anike idatha yakhe yobuqu ngoxolo lwengqondo kuba baya kuhlala bekhuselekile.

Ezi ziqinisekiso zokhuseleko lwabathengi zinokuqinisekiswa ngabasebenzisi kwasekuqaleni ngaphambi kokuqesha naluphi na uhlobo lwenkonzo, kuba kulula kakhulu ukufikelela kolu lwazi kwiselfowuni okanye ikhompyuter, ngaphandle kwemfuneko, unolwazi oluthile kwikhompyuter okanye kwiikhompyuter, ukusukela iiwebhusayithi zenkampani ezibonelela ngee-microcredits zijolise kwimizamo yazo ekwenzeni isixhobo sikhuseleke kubasebenzisi, kunye nokubonelela ngokulula kwaye kulula ukuyisebenzisa.

Enye into ebonelelwa ngu iminyango emincinci yemboleko kukuba ikhubaza ukufikelela kwabantu besithathu, kuba eyona minikelo yakutshanje yetekhnoloji kukuphunyezwa kweenkqubo ezintsha nezikhuselekileyo zokuqinisekisa isazisi.

Los ii-microcredits lukhetho olukhawulezileyo nolukhuselekileyo enikezela umthengi ukhetho lokucela iimali mboleko zexabiso elincinci elingagqithi kwi-euro ezingama-300 kwaye azibuyise ngokwemiqathango engekho ngaphezulu kwenyanga enye, ethi ivelise inzuzo yexeshana elifutshane kwiinkampani ezilawula iimicrredit.

Uncedo lwangoku kubaxumi abafuna iimali mboleko kukuba ukhuphiswano kwicandelo lukhokelele kumazinga enzala asezantsi, ngaphambili ebeluphawula olu hlobo lwemali mboleko. sixhobo se zemali, kumanqanaba amangalisayo, ukutshaja i-euro ezimbalwa kwaye kwezinye iimeko nokuba simahla okokuqala, ukuphumelela abathengi kukhuphiswano kunye nokuhlala bethengisa kwimarike evelayo yeenkampani zabucala zemali, ezinikezela Inkonzo encinci kwi-intanethi Kubantu abangenazo iziqinisekiso okanye ukubhatalwa okungagungqiyo kwaye bafuna umvuzo ngokukhawuleza kwaye ngaphandle kwezithintelo ukusombulula ingxaki engxamisekileyo, okanye ukwenza uphuculo okanye ukuthenga izixhobo ezitsha kwinkampani, kuba ii-SME ziye zaba ngabathengi abanokubakho kolu hlobo lwemali mboleko kutshanje iminyaka, ukwandisa iinketho kunye neendlela zokuthengisa zeenkampani ezilawula le nkonzo, ukubonelela ngomgangatho ongcono, ukhuseleko kunye nexabiso.