ama-microcredits abantu abasha, abangasebenzi, imindeni enomzali oyedwa, njll.
Impela ukuthi izikhathi ezingaphezu kwesisodwa uzwile ngalokhu okuthiwa i-microcredits kwezenhlalo, futhi awazi kahle ukuthi aqukethe ini, futhi okubaluleke kakhulu, uma ungawamangalela futhi ngaphansi kwaziphi izimo. Intshisekelo yakho kule mikhiqizo yasebhange ayimangazi, ngoba kungenye yeziteshi ezinenzuzo kakhulu zezimali zezintshisekelo zakho, ngaphandle kokungabaza, futhi kunoma yisiphi isimo ngaphezu kwanoma isiphi isipho semalimboleko yomuntu siqu, umthengi noma enye imali egunyazwe izikhungo zezezimali.
Kepha ngaphezu kwakho konke, kufanele wazi ukuthi lawa makhredithi anendawo echazwe kahle kakhulu, okungeyona wonke umuntu ongayifinyelela. Zenzelwe abantu abangakwazi ukungena eziteshini zezimali zendabuko. Ngokuvamile esimweni sokukhishwa inyumbazane, futhi esimele imikhakha eyahlukahlukene yezenhlalo, njengabantu abangasebenzi, abokufika, imindeni enomzali oyedwa, ngisho nabantu abahlukene.
Ama-microcredits omphakathi abe ngomunye wemikhiqizo yasebhange enomlingiswa ophawuleka kakhulu kwezenhlalo. Manje eminyakeni yamuva nje baye bancipha ngokuphawulekayo okunikezwayo kwabo. Akumangalisi ukuthi imali mboleko yalolu hlobo eyenziwe ngamabhange okonga angasebenzi ayisanikezwa amakhasimende. Futhi ngenxa yenkinga yezomnotho eye yahlupha iSpain kusukela ngo-2008, sekuvele kunzima kakhulu ukubathola ngalesi sikhathi, ngamandla asendulo.
Ngubani obanikayo?
Iningi lalezi zimali mboleko zivela eMicrobank, isigaba esincike kwiLa Caixa, elibhekele ukuwakhangisa ngaphansi kwamafomethi ahlukile. Futhi ngeziphakamiso ezithile nezihlukanisiwe ezakhiwe ezinye izinhlangano zezezimali. Kepha ngale kwalezi zinhlelo, kunzima kakhulu ukuthola lolu hlobo lwezezimali ezizimele. Asikho esinye isixazululo ngaphandle kwesithembiso esijwayelekile nesivamile amabhange asinikeza ngaphansi kwezindlela zawo zokuhweba.
Njengamanje, amabhizinisi anikeza imali yawo mboleko ngamanani wenzalo, ezimweni ezinhle kakhulu angabhaliswa ngo-6% noma u-7%. Kepha akukho okunye, ngaphandle kwemali yamazinyo ekuhlinzekweni kwabo, kwabangasebenzi isikhathi eside, noma abantu ababekelwe eceleni emphakathini, ukubala izibonelo ezimbalwa.
Kodwa-ke, futhi njengoba kuyindaba entsha namuhla, Uchungechunge lweziphakamiso lwenziwa ukuxhasa ngezimali amaphrojekthi ezamabhizinisi abantu abasha abangasebenzi, ngisho nawesikhathi eside. Inhloso yabo enkulu ukuthi abafakizicelo babo bangathola iziteshi zabo zokuqashwa njengabaqashi abasha noma abasebenzi abazisebenzayo. Ngamakhredithi amaningana ahlangabezana nalezi zici, futhi aletha izimo zokuncintisana kakhulu zokwenza kwabo ngokusemthethweni, lapho inzalo ingeqi ku-6%.
Izimpawu zobunikazi bama-microloans enhlalo
Impela wake wezwa ngabo, kepha awazi kahle ukuthi ziyini nokuthi ziyini izinzuzo zabo eziyinhloko. Bakunikeza inani elifinyelela kuma-euro angama-20.000, njalo imiselwe ukuthi abafakizicelo bayo baphume ezimeni zokukhishwa kwezenhlalo lapho bacwiliswa khona.
Kodwa-ke, ukuvela kwamanye ama-microcredits anendlela emangazayo yemvelo kuya ngokuya kuvame, okuthinta ushintsho emikhubeni yokusetshenziswa kwabasebenzisi. Kokubili emakhaya abo, ezimotweni, ukusetshenziswa kwamandla, njll.
Kepha insiza enkulu enikezwa lolu hlobo oluthile lwezezimali ilele enanini ozogcina ulikhokhele imvume yalo. Amanani wenzalo athambile kakhulu, aphakathi kuka-4% no-7%. Okwenezelwa ukuthi bakhululwe ngokuphelele kunoma yiluphi uhlobo lwamakhomishini noma ezinye izindleko kubaphathi babo. Kuzodingeka ukhathazeke kuphela ngokukhokha imali ebolekiwe kanye nenzalo yayo ehambisanayo, ngaphandle kwezinye izindleko ezingeziwe ezenza umkhiqizo ubize kakhulu.
Mayelana nemigomo yabo yokukhokha, umehluko awucaci njengakwimalimboleko yendabuko, yize inokuguquguquka okukhulu. Ukuze ungazivala ngokushesha, noma uthathe iminyaka efika kwengu-6 ukuphothula umsebenzi. Njengomphumela wazo zonke lezi zinzuzo, umphumela wokugcina, uma uwuqasha, ukuthi ukukhishwa kwemali okufanele ubhekane nakho ngeke kuphakame ngokungathi ukwenze ngezinye iziphakamiso zesikweletu.
Yimaphi ama-microcredits ongawathola?
Njengamanje, futhi yize ukunikezwa kwayo kwehle kakhulu, usesimweni soku-oda eminye yale mikhiqizo yezenhlalo. Inqobo nje uma uhambisana nezidingo ezibekwe yizinkampani ezikhiphayo, futhi ngokuvamile zinzima kakhulu, ukuze kube amaklayenti aswele kakhulu kuphela angawaqasha. Kulesi simo, iziphakamiso ezimbalwa zinikwe amandla ezingaba wusizo kakhulu kuzintshisekelo zakho.
IMicrobank ithuthukise imizamo eminingana yalezi zici, yize inemibono ehluke ngokuphelele yezentengiso. Enye yazo ivela kuma-Microcredits wakho Womuntu Siqu kanye Nomndeni. Le yimikhiqizo enikeza abamukeli babo inani eliphakeme lama-euro angama-25.000. Nesikhathi sokukhokha esifinyelela ophahleni lwaso eminyakeni eyi-6, kufaka phakathi isikhathi somusa esifinyelela ezinyangeni eziyi-12.
Bangakwazi ukufinyelela kulolu hlobo lwezezimali abantu abaye imali engenayo yonyaka engaphansi kwama-euro ayi-18.000, noma amayunithi womndeni anemali engenayo ehlangene engaphansi kwama-euro ayizi-36.000. Iminikelo yabo isetshenziselwa ukukhokhela izindleko ezingejwayelekile, njengalezo ezithinta izindlu, ezempilo, ezemfundo, noma ukuhlanganiswa kwemindeni.
Esinye seziphakamiso zakhe senziwa ngokusemthethweni ngokwalokho okuthiwa I-Eco Microcredits, exhasa ukuthuthukiswa kwamaphrojekthi asimeme, ukuthengwa kwemikhiqizo ehlonipha imvelo noma ukwenza ngcono ukusebenza kahle kwamandla ekhaya noma ebhizinisini lakho. Futhi kubantu abafuna ukuqala iphrojekthi yebhizinisi, amaMicrocredits Osomabhizinisi Namabhizinisi anikwe amandla.
Uma ufuna ukuba ngusomabhizinisi futhi ufuna ukuqala iphrojekthi yokuzisebenza, umuntu ozisebenzayo noma ibhizinisi elincane ofuna ukukhulisa ibhizinisi lakho, le mali ekhethekile yakhelwe, ezokusiza ukuthi yenzeke. Ngaphakathi kwalesi sigaba sobungcweti, kuye kwathengiswa eminye imikhiqizo egcina amamaki afanayo kuziphakamiso zabo.
Esinye sazo yileso esivela e-Unicaja, ebisikhangisa ngeNkampani Yokuqala iminyaka eminingana, okuyiyo unikeza inani okungenakudlulwa ngalo ku-80% wotshalo-mali, nangaphezulu kwama-euro ayi-18.000. Yethula kuze kube yiminyaka emihlanu emihlanu ukuvala lo msebenzi ngokubuya kwawo.
Ngenkathi ukuzibophezela kweCaja Laboral kukhonjisiwe kwesinye isiteshi esixhasa ngezimali esinezici ezifanayo. Futhi kulokhu kulokhu Yenzelwe osomabhizinisi abasebasha, inqobo nje uma bekhombisa ukusebenza kwephrojekthi yabo yebhizinisi. Ngenzuzo yokuthi ukwethulwa kwesiqinisekiso ngeke kudingeke. Ukwenza umsebenzi, kuzosetshenziswa isilinganiso sokuncintisana kakhulu, esingu-3,5% kuphela, okuhloswe ngaso esikhathini esimisiwe.
Izinkinobho eziyishumi zokuzenza zibe semthethweni
Akuwona wonke amaklayenti angafinyelela kwizimalimboleko zenhlalo, futhi konke kuzoncika kuphrofayili oyivezayo esicelweni sesimangalo. Ngakolunye uhlangothi, kuzodingeka wazi uchungechunge lokuhlolwa uma kwenzeka ungomunye wabazuzi balo mthombo okhethekile wezezimali. Inkinga enkulu kuzoba ukuthi uyabanika yona, kepha uma ungomunye wabanenhlanhla abakwazile ukwenza kube semthethweni, uzoba nezimo ezingehlulwa.
Kunoma ikuphi, ngeke kube khona okunye abangakwenza ngaphandle kokuzibuyisa ngokwemigomo okuvunyelwene ngayo ngohlelo lwezitolimende zanyanga zonke, futhi kube sengathi kuyisikweletu esijwayelekile. Ukuze unikezwe, kufanele wethule iphrojekthi esebenzayo, ngoba uma kungenjalo, bazoyenqaba impela. Futhi-ke, ukuthi ungasivumelanisa nesicelo sakho kwamanye amathiphu alandelayo esikudalula kuwo.
- Ngeke sibe khona esinye isixazululo ngaphandle kwe- ngokulandela ngokucophelela zonke izidingo ifunwa ngabakhiphi bale mikhiqizo yezenhlalo ephawulekile, ngoba ama-candidature ahlaziywa ngokuningiliziwe nangokunemba okufanele kwamukelwe.
- Uma ungafakiwe kunoma yimiphi imikhakha yezenhlalo eqondiswe kuyo, Kungcono uyeke ukuzama, ngoba nakanjani bazosiphika isimangalo sakho, futhi ungachitha isikhathi esiningi enkambisweni yayo.
- Kufanele uhloniphe imibandela yabo yokubhaliselwe, ngoba noma ngabe kungama-microcredits omphakathi, akukuvimbeli ukuthi weqe inkontileka, ngakolunye uhlangothi, ebingaba nezinhlawulo ezisindayo ngezindleko abakukhokhisela zona.
- Ngeke zidinge ukuthi ube nenkontileka eminye imikhiqizo (izimali zokutshala imali, uhlelo lwempesheni, imali yesikhathi, njll.) nebhizinisi. Uma kukhona, i-akhawunti yokubheka lapho ungathola khona inani elifunwayo, bese uthumela izitolimende zanyanga zonke ukuphothula umsebenzi.
- Ngeke futhi udinge noma ikuphi ukuvunywa kwabanye abantu (umndeni noma abangani), kodwa kuphela ukuthi uzophendula kuphrojekthi, noma uthobele izidingo ezilethwe izinhlangano zebhange.
- Uzokwazi ukuthola amanani angaphakeme ngokweqile, efinyelela umkhawulo ophakeme wama-euro angama-20.000 XNUMX, kepha okuncane, ngoba ukuhweba kwabo akubuswa yimali enkulu.
- Sebenzisa izimo zayo ezihlukile zenkontileka, kusukela ngeke uphoqeleke ukuthi ukhokhe noma iyiphi ikhomishini (ukutadisha, ukuvulwa, ukukhanselwa ngaphambi kwesikhathi, njll.).
- Ukunikezwa ozokuthola kusukela manje kuzoba mbalwa, futhi mhlawumbe ayilingani nephrofayili yakho njengommangali, noma mhlawumbe enezimo ezinzima kakhulu ukuthi inikezwe.
- Kuphela uma ungasebenzi, izifiki, noma umndeni onomzali oyedwa lapho uzokwazi ukuba sesimweni esifanele ukuqala isicelo sanoma iyiphi i-microcredits egunyazwe ngamabhange.
- Futhi ekugcineni, khumbula ukuthi ngaphambi kwesicelo sakho, uzophoqeleka ukuthi ufunde izigaba zesivumelwano, ukuze uqiniseke ukuthi uhlangabezana nazo zonke izidingo ukuze ekugcineni usayine inkontileka nebhange.