Imali mboleko ngaphandle kwamaphepha, isisombululo esisheshayo nephephe kunazo zonke

ukubolekwa ngaphandle kwamaphepha

Imali mboleko ngaphandle kwamaphepha uma zikhona, noma ngabe zizwakala njengokukhwabanisa okungenzeka noma kungamanga, okunye kokukhathazeka abantu abaningi abanakho, imvamisa ukuthi inhlokodolobha yabo ingaphansi kwezimo ezinobungozi.

Iningi lezinkampani ezinikele ekunikezeni lokhu uhlobo lwezezimali lusebenza kwi-Intanethi ngewebhusayithi, ngakho-ke kuyingxenye eyisisekelo yenqubo ukuthumela imininingwane yomuntu siqu yomuntu onentshisekelo yokuthola imalimboleko enkampanini ngalezi zindlela, okuvusa ukungabaza mayelana nokwebiwa kwemininingwane eku-inthanethi nezinye izimo ezingenandawo noma iqiniso. ufinyelela amakhasi ajwayelekile we-microcredit, ungaqiniseka ngokuphelele ukuthi idatha yakho izohlala ivikelekile.

Ungahlola kanjani ukuthi ngabe i-microcredit portal iphephile?

Izinkampani ezinikezela ngama-microcredits njengomkhiqizo wazo omkhulu, ziyazi ukuthi ukukhiqiza i- umuzwa wokwethemba kumakhasimende akho kubaluleke kakhulu ukuwaheha. Ngalesi sizathu, banikela ngeziqinisekiso eziphezulu kulokhu. Okuvame kakhulu ukuthi balandele izincomo ezishiwo yi-AEMIP, okungukuthi, i- I-Spanish Association of Microloans, esungula izindlela ezahlukahlukene zokuphepha okufanele zicatshangelwe, okuqukethwe kwayo kungathintwa yinoma ngubani.

Into ebaluleke kunazo zonke lapho kwenziwa inqubo yama-microloan noma yikuphi ukufakazela lokho, kufayela le- ngaphezulu kwesiphequluli, eduze ngqo kwe-URL noma ikheli lewebhu, kuvela isithonjana sokukhiya okuluhlaza okotshani. Uma kunjalo, ungaqinisekiswa ngokuphelele ukuthi upheqa ikhasi lewebhu elibethela futhi livikele imininingwane yakho. Kubaluleke kakhulu ukuthi ikheli lewebhu liqale ngezinhlamvu ezingama-https esikhundleni sokuqala nge-http njengamasayithi amaningi, ngoba uhlamvu "s" ekugcineni lukhombisa ukuthi ingosi yewebhu ine-protocol yezokuphepha ethuthukisiwe.

Ukuvela kwekhasi, sazi kusengaphambili ukuthi akuyona i- isici esinokwethenjelwa ngokuphelele, kepha ukubukeka kuvame ukuhlobene kakhulu nokwethenjelwa okunikezwa inkampani.

Ngokuvamile, amakhasi angahlelekile akhiqiza ukungathembani kubasebenzisi bawo. Ngalo mqondo, umuzwa ubhekwa njengento ebaluleke kakhulu okufanele uyicabangele.

Kuyacaca ukuthi, ekugcineni, ukusetshenziswa nokuphathwa kwedatha yomuntu siqu, kungenye yezinto ezikhathaza kakhulu labo abanentshisekelo yokuthola isikweletu esincane, yingakho izinkampani eziningi ezinikele kulo mkhakha zilwela ukunikeza izinyathelo zokuphepha ezisungulwe ngabaphathi, nokuningi okuncane ukuthola ukwethenjwa kwamakhasimende.

Ukubaluleka kokuphathwa kolwazi

Izimalimboleko ezingenamaphepha

La Umthetho we-Organic Ekuvikelweni Kwemininingwane Ibeka uchungechunge lwezibopho izinkampani okufanele zithobele maqondana nokusetshenziswa kolwazi olunikezwa abasebenzisi bazo. Lokhu kungenxa yokuthi lapho imininingwane yomuntu ibhalwa kwi-inthanethi, kufanele kusungulwe izivumelwano izindlela zokuphepha ezifanele ukuvimba ukuthi kungenzeka kube khona ubunikazi noma ukwebiwa kwemininingwane.

Ukwebiwa kwalolu lwazi olubalulekile kuye kwaduma eminyakeni yamuva. Inhloso yezigebengu ezikwenza lokho ukuthi icele imakrofoni encane, igcine inhlokodolobha futhi yenze omunye umuntu abhekane nayo ukubuyiselwa kwemali okugcwele. Ngokwezibalo, ukwebiwa kobuningi okuningi eSpain kungamalungu omndeni ayazi kahle imininingwane.

Amabhizinisi ezezimali aphatha ama-microcredits bafuna ngenkani kakhulu uma kuziwa kwezokuphepha. Isibonelo, ngenkathi kuhlolisiswa isicelo semikweleti encane, lezi zinkampani azibheki nje kuphela ukubona ukuthi ngabe iklayenti linokuxazululwa kwezomnotho ukulibuyisa yini, kepha futhi zinesibopho sokulwa nokukhishwa kwemali ngokungemthetho noma yiluphi uhlobo lokukhwabanisa njengoba kushiwo umthetho. Ukwehluleka ukwenza lokho, bangabhekana nezinhlawulo ezinkulu ezibekwe abaphathi.

Izinzuzo ezimbili ezinkulu zama-microcredits

Okokuqala kwalokhu ukuthi isikhathi sokulinda nediphozi yesikweletu imfushane ngokwedlulele kanti inzuzo yesibili ukuthi asikho isidingo sokuthumela imibhalo noma amaphepha abanzi ukuze isicelo samukelwe. Ngokusobala, ukuze unikeze amakhasimende lezi zinzuzo, kubalulekile ukuthi ube nakho amathuluzi okuphepha akhethekile.

Ukhiye wokukhetha inkampani efanele ulele ekwazini ukuthi ungayikhetha kanjani inketho enikeza okuphansi isilinganiso senzalo nezimo ezingcono ekubuyisweni kwemali.

Lesi yingxenye yemakethe engamboziwe yizinhlangano zebhange zendabuko, eseyakhiwe onqenqemeni lwenkinga nokufinyelela kwe-inthanethi. Izinga lebhasi okwengamela lo mkhakha kungokwama-euro ayizigidi ezingama-200.

I-Calculator, ipeni kanye nedokhumenti yebhizinisi

Ukuncintisana kulo mkhakha sekuqale ngakho impi yamanani ukuthola isabelo semakethe. Uma sithatha imali mboleko yama-euro angama-300 njengesibonelo, inkokhelo yemali yezinsuku ezingama-30 ingaba phakathi kwama-euro angama-84 no-111 ngenzalo, emele phakathi kuka-28% no-37%. Kepha kunezinkampani eziningi zokuphatha ama-microcredit ezethule ama-microloans ngama-5 euros wenzalo noma mahhala ngisho nakumakhasimende amasha.

Este umkhakha wezezimali ibona ukuthi intengo ephezulu yokusebenza kanye nejubane lokubolekwa kwemali, kuyenza ibonakale njengomkhiqizo omusha eSpain, okudala umuzwa othile wokungabethembi abathengi.

Akukho mithetho ethize kulokhu umkhakha wama-microloan, izinkampani zilawulwa umthethonqubo osungulwe kuzinkontileka ze-microcredit zokusetshenziswa nasekuthengisweni kwebanga. Kungakho ngenhloso yokukhuthaza ukusetshenziswa kahle kwaleli thuluzi lezezimali elibizwa nge-AEMIP eminyakeni embalwa edlule, namuhla ehlanganisa ngaphezu kwengxenye yazo zonke izinkampani eziphatha le nsizakalo. Le nhlangano yokuphatha inyuse ikhodi yokuziphatha okuhle, enesethi yamazinga unikeze ukuvikelwa okukhulu kumakhasimende, ukwenza lula iziteshi zokuxoxisana ezimweni zokungakhokhi noma izimangalo, isibonelo.

I-Las ubuchwepheshe obusha Ziyingxenye ebalulekile yama-microloans, lapho kunikezwa khona isiqinisekiso sokuphepha ekusebenzeni kokucela ama-microloans.

ukubolekwa ngaphandle kwamaphepha

Izinkampani ezilawula ama-microcredits, baphethe ukumaketha nokukhuthaza leli thuluzi lezezimali, basebenzisa amazinga aphakeme kakhulu ezokuphepha ngokuqasha ochwepheshe ekuhleleni amakhasi abo ewebhu, afana kakhulu nalawo amabhange endabuko nezikhungo zezezimali. Kungenxa yalesi simo lapho inqubo ye- faka isicelo semalimboleko esheshayo, ibonakala ngokuhlinzeka ngokuvikelwa okuphelele nokulondolozwa kolwazi lwamakhasimende nokunyakaza kwawo. Ngale ndlela, izimo zokukhwabanisa zikhawulelwe kumathuba ambalwa.

Kusukela ngomzuzu ongena ngawo ikhasi lewebhu Ukuqala ukugcwalisa amafomu futhi kuze kube yilapho kutholakala ama-microcredits, wonke amaklayenti azoba nesiqiniseko esiphelele sokuthi ukuhamba kwawo kuvikelwe ngokuphelele.

Uhlelo lokuphepha lokudluliswa kwedatha, yenziwe yasebenza kahle futhi noma iliphi inani ledatha lizobethelwa ukuqinisekisa ubumfihlo bakho. Iklayenti lingenza noma yikuphi ukunyakaza futhi linikeze imininingwane yabo ngokuthula kwengqondo ngoba lizohlala livikelekile.

Lezi ziqinisekiso zokuphepha kwamakhasimende zingaqinisekiswa ngabasebenzisi kusukela ekuqaleni ngaphambi kokuqasha noma yiluphi uhlobo lwensizakalo, ngoba kulula kakhulu ukuthola lolu lwazi kusuka kuselula noma ikhompyutha, ngaphandle kwesidingo, ukuba nolwazi oluthile kwikhompyutha noma kumakhompyutha, kusukela amawebhusayithi ezinkampani ezinikezela ngama-microcredits zigxila emizameni yazo yokwenza ithuluzi liphephe kubasebenzisi, futhi linembile futhi lisetshenziswe kalula.

imali-mboleko

Enye inzuzo enikezwa yi izingxenyana ze-microcredit ngukuthi kukhubaza ukufinyelela kwabantu besithathu, ngoba omunye weminikelo yakamuva yobuchwepheshe ukuqaliswa kwezinhlelo ezintsha neziphephe kakhulu zokuqinisekisa ubunikazi.

I-Los ama-microcredits ayindlela esheshayo nephephile enikeza iklayenti ithuba lokucela imalimboleko yamanani amancane angadluli kuma-euro angama-300 bese beyibuyisela ngokweqile kwenyanga eyodwa, okwenza inzuzo yesikhashana ezinkampanini ezilawula ama-microcredits.

Inzuzo yamanje yamakhasimende adinga ukubolekwa imali ukuthi ukuncintisana emkhakheni kuholele ekwehliseni inzalo, ngaphambili eyayikhomba lolu hlobo lwemalimboleko. ithuluzi lezezimali, emazingeni amangalisayo, ukukhokhisa ama-euro ambalwa futhi kwezinye izimo ngisho nokukhululeka okokuqala ngqa, ukuwina amaklayenti kulo mncintiswano nokuhlala untanta ezimakethe ezisafufusa zezinkampani ezizimele zezezimali, ezinikezela isevisi yokuthola okuncane okuku-inthanethi kubantu abangenazo iziqinisekiso noma iholo elihleliwe futhi abadinga imali engenayo ngokushesha futhi ngaphandle kwezithiyo ukuxazulula inkinga ephuthumayo, noma ukwenza ngcono noma ukuthenga imishini emisha yenkampani, ngoba ama-SME abe ngamakhasimende angaba khona walolu hlobo lwemalimboleko muva nje iminyaka, ukunweba izinketho namasu wokuthengisa ezinkampani ezilawula le nsizakalo, ukunikela ngekhwalithi engcono, ukuphepha nentengo.


Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

  1.   Imalimboleko kusho

    QAPHELA !!!

    I-imeyili: (transfersprestamos@gmail.com)

    Ayikho imibuzo - kudingeka ikhadi elilodwa le-ID lokubolekwa kwemali; Faka isicelo manje. Sikhipha imalimboleko yomuntu siqu nganoma iyiphi inhloso yamakhasimende. Leli gama lisukela onyakeni owodwa liye eminyakeni eyishumi. Inani lemalimboleko nesikhathi sokusetshenziswa kunqunywa ngesikhathi isicelo seklayenti sezimali, ukunikezwa ngakunye nemibandela yokukhokha kuyabhekwa.

    I-imeyili: (transfersprestamos@gmail.com)