Ii-microcredits zentlalo, ziyintoni kwaye ngubani obanikayo?

ii-microcredits ezinokuthi zifikelelwe ngabantu abancinci, abangasebenziyo, iintsapho ezinomzali omnye, njl.

ii-microcredits ezinokuthi zifikelelwe ngabantu abancinci, abangasebenziyo, iintsapho ezinomzali omnye, njl.

Ngokuqinisekileyo ngaphezu kwesihlandlo esinye uve into ebizwa njalo iicrocredits kwezentlalo, kwaye awazi ncam ukuba ziqulathe ntoni, kwaye okona kubaluleke kakhulu, ukuba ungabamangalela kwaye phantsi kweziphi iimeko. Umdla wakho kwezi mveliso zebhanki awothusi, kuba lelinye lawona majelo aluncedo kakhulu kwimali yakho, ngaphandle kwamathandabuzo, kwaye kuyo nayiphi na imeko ingentla kwesithembiso sobuqu, somthengi okanye semali mboleko egunyaziswe ngamaziko emali.

Kodwa ngaphezu kwayo yonke into, kuya kufuneka uyazi ukuba ezi khredithi zinendawo echazwe kakuhle kakhulu, ekungekho wonke umntu onokufikelela kuyo. Zenzelwe abantu abangakwaziyo ukungena kumajelo enkxaso yemveli. Ngokubanzi kwimeko yokukhutshelwa ngaphandle kwezentlalo, kwaye ezo zimelwe ngamacandelo ezentlalo ahlukeneyo, anjengabantu abangasebenziyo, abaphambukeli, iintsapho ezinomzali omnye, kwanabantu abazahluliweyo.

Ii-microcredits zentlalo ziye zaba yenye yeemveliso zebhanki ezinophawu lwentlalo. Ke ngoku Kwiminyaka yakutshanje baye banciphisa umnikelo wabo. Akumangalisi ukuba iimali mboleko zolu hlobo iibhanki zokonga ezingasasebenziyo ezazisaphuhliswa zingasabonelelwa kubathengi. Kwaye njengesiphumo seengxaki zoqoqosho ezihlasele iSpain ukusukela ngo-2008, sele kunzima kakhulu ukuzifumana ngelixesha, ngamandla endulo.

Ngubani obanikayo?

Uninzi lwezi mboleko zivela kwiMicrobank, icandelo elixhomekeke kwiLa Caixa, linoxanduva lokuzithengisa phantsi kweefomathi ezahlukeneyo. Kananjalo ngokusebenzisa izindululo ezithile nezizimeleyo eziphuhliswe ngamanye amaziko emali. Kodwa ngaphaya kwala manyathelo, kunzima kakhulu ukufikelela kolu hlobo lwemali yabucala. Asikho esinye isisombululo ngaphandle kwesiqhelo kunye nesibonelelo ngokubanzi esithi iibhanki zibonelela phantsi kweendlela zabo zorhwebo.

Okwangoku, amaziko anika iimali mboleko zawo ngenqanaba lenzala, elinokuthi kwimeko efanelekileyo libhaliswe nge-6% okanye i-7%. Kodwa ayikho enye into, ngaphandle kwenkxaso-mali yamazinyo, yabantu abangaphangeliyo ixesha elide, okanye abantu ababekelwe bucala ekuhlaleni, ukubiza nje imizekelo embalwa.

Nangona kunjalo, kwaye njengeyona nto intsha intsha namhlanje, Uthotho lwezindululo luyaphuhliswa ukuxhasa ngemali iiprojekthi zorhwebo kubantu abatsha abangaphangeliyo, kwanangexesha elide. Eyona njongo yabo iphambili kukuba abafaki-zicelo banokufumana izithuba zengqesho njengabaqeshi abatsha okanye abasebenzi abaziqeshileyo. Ngamakhredithi aliqela ahlangabezana nezi mpawu, kwaye abonisa iimeko ezikhuphisanayo zokwenza kwabo ngokusemthethweni, apho inzala ingagqithi kwi-6%.

Iimpawu zokuchonga ii-microloans zentlalo

Abantu abancinci ngabathile abafumana ezi zinto zincinciNgokuqinisekileyo ukhe weva ngabo, kodwa awuzazi ncam ukuba ziyintoni kwaye zeziphi izibonelelo zazo eziphambili. Bakunika imali efikelela kuma-20.000 euros, ihlala imiselwe ukuba abafaki-zicelo bayo baphume kwiimeko zokukhutshelwa ngaphandle ekuntywilisweni kwabo.

Nangona kunjalo, ukubonakala kwezinye ii-microcredits ezinophawu lwendalo oluqaphelekayo kuya kusiba rhoqo, okuchaphazela utshintsho kwindlela yokusebenzisa abasebenzisi. Zombini kumakhaya abo, ezimotweni, ukusetyenziswa kwamandla, njl.

Kodwa eyona nto iluncedo kakhulu kule nkxaso-mali ixhomekeke kwixabiso oya kuthi ekugqibeleni uhlawule ngokuvumelana nalo. Amanqanaba wenzala athambile, aqala phakathi kwe-4% kunye ne-7%. Ukongeza, baxolelwe ngokupheleleyo kulo naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo lwabo. Kuya kufuneka ukhathazeke ngokuhlawula imali ebolekiweyo kunye nenzala ehambelana nayo, ngaphandle kwezinye iindleko ezongezelelweyo ezenza imveliso ibize kakhulu.

Ngokumalunga nemigqaliselo yabo yokuhlawula, umahluko awucacanga njengakwimali mboleko yemveli, nangona benokuguquguquka okukhulu. Lo nto ungazivala ngokukhawuleza, okanye uthathe ukuya kwiminyaka emi-6 yokugqibezela umsebenzi. Ngenxa yazo zonke ezi zibonelelo, isiphelo, ukuba uyayiqesha, kukuba imali oyakujongana nayo ayizukuphakama ngokungathi uyenza ngezinye izindululo zekhredithi.

Zeziphi izinto ezincinci onokuzenza?

Ii-microcredits ezibonelelwa ziibhanki ngalo mzuzuOkwangoku, kwaye nangona isithembiso sayo siye sehla ngokukodwa, usesikhundleni soku-odola ezinye zeemveliso zentlalo. Logama nje uhambelana neemfuno ezibekiweyo zizinto ezikhutshwayo, kwaye ngokubanzi zinzima kakhulu, ukuze kuphela abathengi abasweleyo abanokuziqesha. Ukusuka kule meko, izindululo ezimbalwa zenziwe ukuba zibe luncedo kwimidla yakho.

I-Microbank iphuhlise amanyathelo aliqela ezi mpawu, nangona eneendlela ezahlukeneyo zokuthengisa. Enye yazo ivela kwii-Microcredits zakho zobuqu kunye nezeNtsapho. Ezi ziimveliso ezibonelela abo bafumana imali ubuninzi be-euro ezingama-25.000. Ngexesha lokuhlawula elifikelela kwelona liphezulu kwiminyaka emi-6, kubandakanya ixesha lobabalo ukuya kuthi ga kwiinyanga ezili-12.

Banokufikelela kolu hlobo lwemali abantu abane Ingeniso yonyaka engaphantsi kwe-18.000 euro, okanye iiyunithi zosapho ezinengeniso edibeneyo engaphantsi kwama-36.000 euros. Iminikelo yabo isetyenziselwa ukuxhasa iindleko ezingaphantsi kwesiqhelo, ezinjengezo zichaphazela izindlu, impilo, imfundo, okanye ukudibana nosapho kwakhona.

Esinye sezindululo zakhe sisesikweni ngokubizwa ngokuba kukuthiwa I-Eco Microcredits, exhasa ngemali uphuhliso lweeprojekthi ezizinzileyo, ukuthengwa kweemveliso ezihlonipha okusingqongileyo okanye ukuphucula ukusebenza kwamandla ekhayeni lakho okanye kwishishini. Kwaye kubantu abafuna ukuqala iprojekthi yeshishini, iiMicrocredits zooSomashishini kunye nezoShishino zinikwe amandla.

Ukuba ufuna ukuba ngusomashishini kwaye ufuna ukuqala iprojekthi yokuzenzela ngokwakho, ishishini elizimeleyo okanye ishishini elincinci ofuna ukukhulisa ishishini lakho, le mali ikhethekileyo yenzelwe, eya kukunceda ukuba yenzeke. Ngaphakathi kweli candelo lobungcali, ezinye iimveliso zithengisiwe ezigcina imida efanayo kwizindululo zabo.

Enye yazo yile ivela e-Unicaja, ebikhuthaza iNkampani yokuQala iminyaka eliqela, ethi Unika isixa ekungekho meko sinokugqitha kwi-80% yotyalo-mali, kwaye ubuninzi be-euro ezingama-18.000. Nika ukuya kuthi ga kwiminyaka emihlanu ukuvala umsebenzi ngokubuya kwawo.

Ngelixa ukuzibophelela kweCaja Laboral kubonisiwe kwelinye ijelo lezemali elinempawu ezifanayo. Kwaye kule meko ithile Yenzelwe oosomashishini abancinci, ukuba bayangqina ukusebenza kweprojekthi yabo yeshishini. Ngoncedo lokuba unikezelo lwe-guarantor aluyi kuba yimfuneko. Ukuphuhlisa ukusebenza, kuya kusetyenziswa inqanaba lokhuphiswano oluninzi kakhulu, le-3,5% kuphela, ejolise kwixesha elimiselweyo.

Izitshixo ezilishumi zokuzenza zibe semthethweni

Zeziphi izitshixo onokuthi uzithathele ingqalelo ukuze ubenako ukufumana iikhredithi? Asingabo bonke abathengi abanokufikelela kwimali mboleko yoluntu, Kwaye yonke into iya kuxhomekeka kwiprofayili oyivezayo kwisicelo sebango. Kwelinye icala, kuya kufuneka wazi uthotho lovavanyo kwimeko yokuba ungomnye wabaxhamli balo mthombo ukhethekileyo wemali. Eyona ngxaki inkulu iya kuba kukuba uyabanika yona, kodwa ukuba ungomnye wabanethamsanqa abakwaziyo ukuyenza ibe semthethweni, uya kuba neemeko ezingaphaya kwamandla.

Kuyo nayiphi na imeko, akusayi kubakho khetho ngaphandle kokuzibuyisa ngokwemigaqo ekuvunyelwene ngayo ngenkqubo yezavenge zenyanga, kwaye ngokungathi yityala eliqhelekileyo. Ukuze unikwe, kuya kufuneka unikezele ngeprojekthi efanelekileyo, kuba ukuba akunjalo, baya kuyala ngokuqinisekileyo. Ewe kunjalo, unokutshintsha isicelo sakho kwezinye zezi ngcebiso zilandelayo sikuveze zona.

  1. Akusayi kubakho sisombululo sinye ngaphandle ngokuthobela yonke imiqathango Ifunwa ngabanikezeli bezi mveliso zentlalo ephawulweyo, kuba abagqatswa bahlalutywe kwiinkcukacha ezinkulu kwaye zichanekile ukuba zamkelwe.
  2. Ukuba awufakwanga kulo naliphi na icandelo lezentlalo ekubhekiswa kulo, Kungcono uyeke ukuzama, kuba ngokuqinisekileyo baya kulikhanyela ibango lakho, kwaye ungachitha ixesha elininzi kwinkqubo yayo.
  3. Kuya kufuneka uyihlonele imeko yabo yobulungu, kuba nokuba ziyimicrocredits yentlalo, ayikuthinteli ekubeni ungatsiba ikhontrakthi, kwelinye icala, enokuba nezohlwayo ezinzima ngeendleko abakubeka zona.
  4. Abayi kufuna ukuba ubenekhontrakthi nezinye iimveliso (iimali zotyalo-mali, isicwangciso sepenshini, iidipozithi zexesha, njl. njl.) kunye nequmrhu. Ukuba kukho nantoni na, iakhawunti yokutshekisha apho ungafumana khona imali efunekayo, kwaye uthumele izavenge zenyanga ukugqibezela umsebenzi.
  5. Kananjalo awuyi kufuna nangayiphi na imeko ukuvunywa kwabanye abantu (usapho okanye abahlobo), kodwa kuphela ukuba uphendule kwiprojekthi, okanye uhambelane neemfuno eziboniswe ngamashishini ebhanki.
  6. Uyakwazi ukufikelela kwiimali ezingaphezulu kakhulu, ezifikelela kumda ophezulu we-20.000 yeeros, kodwa kancinci, kuba urhwebo lwabo alulawulwa sisixa esikhulu.
  7. Thatha ithuba lokungena kwiimeko ezizodwa zesivumelwano, kuba awuyi kunyanzelwa ukuba uhlawule nayiphi na ikhomishini (ukufunda, ukuvulwa, ukurhoxiswa kwangoko, njl.
  8. Isithembiso oza kusifumana ukusukela ngoku kuya kuncipha, kwaye mhlawumbi ayihambelani neprofayili yakho njengommangali, okanye mhlawumbi iimeko ezinzima kakhulu ukuba zinikwe.
  9. Kuphela ukuba awuphangeli, abaphambukeli, okanye usapho olunomzali omnye apho uya kuba kwimeko efanelekileyo yokuqalisa isicelo sayo nayiphi na into encinci egunyaziswe ziibhanki.
  10. Kwaye okokugqibela, khumbula ukuba ngaphambi kwesicelo sakho, uya kunyanzeleka ukuba ufunde amagatya ekhontrakthi, ukuqinisekisa ukuba uyazifezekisa zonke iimfuno ukuze ekugqibeleni usayine ikhontrakthi nebhanki.

Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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