Ukuxinezeleka kwabantu abaninzi… Yintoni enye into? Ngokuqinisekileyo kukho amagama athile avelayo, abe sefashonini, kodwa ngenene awuyazi into abhekisa kuyo okanye ayenzela ntoni.
Yiloo nto enokwenzeka ngokuthengisa abantu abaninzi. Kwaye ukunqanda oku, silungiselele inqaku elinesikhokelo ukuze uqonde eli gama kangangoko kunokwenzeka. Kuthekani ukuba ujonge?
Yintoni i-crowlending
Into yokuqala ekufuneka uyiqonde yintsingiselo yeli gama. Ekubeni ukuba awuyazi into esiyithethayo, unokubhidanisa ngokulula nabanye.
Ukuxinana kunokuqondwa njengoluhlobo lwemali-mboleko yezoqoqosho ezinikwa iprojekthi okanye umntu. Ngoku, kule meko yimali-mboleko, ngokoqobo. Oku kuthetha ukuba le mali kuya kufuneka ibuyiselwe kwixesha elizayo ngokweentlawulo okanye imihla ebekiweyo ebekiweyo, kwakunye nezinga lenzala.
Ukwenza kucace ngakumbi, khawufane ucinge ukuba unephupha lokupapasha incwadi, kodwa hayi imali yokuyenza. Ngoko Wenza ukuxinana apho umntu ekunika imali yokwenza loo ncwadi ibe yinyani.
Enyanisweni, akakuniki imali epokothweni, kodwa kunoko uyavuma ukuyibuyisela kuye, kungekuphela nje oko akunike kona, kodwa nenzala ethile. Kwaye konke oku ngexesha ekuvunyelwene ngalo kunye nomrhumo ekuvunyelwene ngawo wenyanga, wekota okanye wonyaka.
Ngoku, oku kuthetha ukuba, Ukuba incwadi iphumelele kakhulu, umntu okushiyele imali akazuzi, ekubeni isebenza ngakumbi njengebhanki kunokuba ifane nomntu oxhasa lo msebenzi. Ngamanye amazwi, iinzuzo zonke zezakho.
Olu hlobo lwenkxaso-mali lufaneleke ngakumbi kwezo projekthi zifuna ukusonjululwa ngokwasezimalini kodwa zingakwazi ukufikelela kwiimali-mboleko eziqhelekileyo.
I-Crowdfunding vs
Xa uphendla igama elithi crowdfunding, kuxhaphake kakhulu kwiziphumo ezivela kwiinjini zokukhangela ukukhankanya i-crowdfunding. Kwaye oku kunokukhokelela ekulahlekeni. Kwaye kunjalo I-crowdfunding ayifani nokubolekisa ngemali.
Zahluke phi? Siyakuxelela:
Izinzuzo
Kuyinyani ukuba kukho izibonelelo kuzo zombini i-crowdfunding kunye ne-crowlending. Kwimeko yokuqala, ezi ziya kuxhomekeka kwimpumelelo kunye nokuba yintoni na umntu ojoyina iprojekthi igalelo; Okwesibini, uya kufumana kuphela njengenzuzo inzala eyongezwa koko ukubolekileyo.
Ngamanye amazwi, bobabini bayaphumelela kodwa ngeendlela ezahlukeneyo. Okucacileyo kukuba ekuxinaniseni kukho ukhuseleko olukhulu lokuphumelela ekubeni omnye umntu evuma ukubuyisela imali. Kwimeko ye-crowdfunding, ukuba iprojekthi ayiphumelelanga akusayi kubakho nzuzo ingako.
Umngcipheko
Kufuneka uhlale ukhumbula ukuba ukutyalomali imali yakho kubandakanya ingozi kuba awukwazi ukuba uya kuyifumana kwakhona.
Kwimeko ye-crowdfunding, kuthiwa umngcipheko uphezulu kakhulu kuba ubuyiselwa kuphela ukuba iprojekthi iphumelele.
Ngoku, Kwimeko yokuxinana umngcipheko uphantsi. Isekhona, kodwa kunjengokuba besinixelele ngaphambili, ukuba nothotho lweentlawulo ekuvunyelwene ngazo, inzala, njl. Omnye umntu kufuneka aphendule ukubuyisela imali eseleyo. Kwaye kungekudala okanye kamva uya kuba nayo kwakhona.
iziqinisekiso
Omnye umahluko onokuthi uwufumane kwimeko ye-crowdfunding kunye ne-crowlending imalunga neziqinisekiso. Oko kukuthi, nokuba kukhuselekile okanye akunjalo xa utyala imali kwiprojekthi onayo esandleni.
Xa kusenziwa i-crowdfunding akukho ziqinisekiso zokuba iprojekthi iya kusebenza, ube yimpumelelo, njl. Yonke into iya kuxhomekeka kwindlela ehamba ngayo kwaye apha kuphela intuition kunye nohlalutyo lwaloo projekthi kunokukunceda wenze isigqibo esifanelekileyo.
Kwimeko yokuxinana kukho isiqinisekiso esingakumbi. Kodwa hayi kakhulu. Kwaye kuyenzeka ukuba, ngaphakathi iimeko ekuvunyelwene ngazo phakathi kwabantu ababini, Kusenokubakho iziqinisekiso ezithile ezinceda ukwenza isigqibo sokugqibela.
Izinto eziluncedo kunye nezingeloncedo zokuxinana
Ngoku ekubeni unombono ongcono malunga nokuba yintoni i-crowdsourcing kunye nomahluko nge-crowdfunding, Ngaba uya kukwazi ukuhlolisisa iingenelo neengozi zolu hlobo lwenkxaso-mali?
Sukuba nexhala, apha siqulunqe awona manqaku abalulekileyo, aya kuthi alandelayo:
Inzuzo
Phakathi kweenzuzo eziphambili kufuneka sigxininise, ngaphandle kwamathandabuzo, ithuba lokufikelela kwimali eyongezelelweyo, ngakumbi kwiimeko apho eziqhelekileyo zivaliwe kuwe (sithetha ngeebhanki).
Enye inzuzo ekufuneka ithathelwe ingqalelo kukuba inkqubo, kwiimeko ezininzi, ihlala ikhawuleza kwaye ilungele amaqela omabini. Uyabona, xa umntu enomdla ekufumaneni iprojekthi, Badla ngokuzibonakalisa kwaye bamisele uthotho lwemiqathango yokuzisa imali kunye nokuba omnye umntu ayibuyise. Kwaye phantse rhoqo iimeko zithande ukuba ngcono kwaye kuvunyelwene phakathi kweebini kuneebhanki (ezizinzileyo).
Ngaphezu koko, akukho mfuneko yokulinda ukwamkelwa okanye nantoni na, kuba kule meko omabini amaqela abandakanyekayo angenelela.
Kwimeko yabatyali-mali, Enye yeenzuzo abazifumanayo kwi-crowdsourcing kukuba banakho ukwahlula imali yabo kutyalo-mali oluninzi. Oko kukuthi, abayishiyi imali yabo imi ngxi kodwa bayihambise kwiimali-mboleko ezahlukeneyo, okubangela ukuba kamva bafumane ipesenti eyongezelelweyo ngenxa yokuba bayibolekile.
Iintsilelo
Kwimeko yeengxaki zokuxinana, kukho kwakhona ezininzi ezinokuthi zithathelwe ingqalelo.. Enye yezona zinto ziphambili lizinga lenzala edla ngokufuneka lithwalwe. Ukungakwazi ukufikelela kwiibhanki, abatyali-mali abaninzi bacela ireyithi ephezulu kunaleyo yala maqumrhu, enokwenzakalisa abo basungula iprojekthi.
Oku kusizisa kwingxaki yesibini: umngcipheko wokungathotyelwa. Oko kukuthi, umntu, nokuba sele ezibophelele, akanakonelisa izabelo ezigqitywe sisivumelwano. Kwaye ukuba akananto yokuphendula, umtyalo-mali unokulahlekelwa yonke imali yakhe.
Kuzo zonke ezi zinto kufuneka songeze ukungabikho kolawulo. Kwaye ayimiselwanga njengomthetho njengamanye amanani emali, anokubangela ukuba kuvele iimeko ezininzi zobuqhophololo, izenzo ezibi, njl.njl.
Ngaba ngoku ucace gca malunga nokuba yintoni na ukugxalathelana?