I-Los ama-microcredits omphakathi Ungomunye wemikhiqizo yezimali ongayithola ngamabhange. Futhi lokho kubonakala ngochungechunge lweminikelo ebenza bungacaci kumakhasimende. Okokuqala ngenxa yabamukeli abakhetheke kakhulu bolayini bakho besikweletu. Bangabantu, ngokuvamile abakwazi ukufinyelela emithonjeni yendabuko yezezimali, futhi banezinsizakusebenza ezimbalwa zezezimali.
Amaphrofayili wabasebenzisi abafuna noma iyiphi yalezi microcredits isikhathi eside abangasebenzi, abesifazane abahlukanisiwe, imindeni enomzali oyedwa, ngisho abantu abasha abafuna ukuqala ibhizinisi labo lokuqala. Kunoma ikuphi, bathambekele kakhulu kubantu abasesimweni sokukhishwa inyumbazane emphakathini. Futhi ukuthi ngalezi zinsizakusebenza zemali bangaba nethiphu yokweqa ukwenza iphrojekthi yomsebenzi wokuhambisa impilo yabo.
Ama-microcredits omphakathi ayewumkhiqizo wezezimali odume kakhulu eminyakeni embalwa eyedlule, ikakhulukazi phakathi nengxenye yokuqala yeminyaka eyishumi edlule. Lapho ingxenye enhle yamabhizinisi wezezimali amakhredithi athengisiwe alezi zici. Ikakhulukazi amabhange okonga asungulwe endaweni yethu, kanye nemibandela evumelana kahle yenkontileka yezintshisekelo zabafakizicelo. Kwakungekho zinkinga ezeqile ukuzimaketha, futhi isidingo sasinamandla kakhulu.
Kodwa-ke, futhi ngenxa yenkinga yezomnotho eyaqala ngonyaka we-2008, futhi ikakhulukazi ngenxa yokuhlelwa kabusha kohlelo lwamabhange eSpain, ukunikezwa kwayo kuye kwahlanjululwa ngokuphawulekayo, kwaze kwaba kusobala ukuthi kuyidlanzana. Ukufika ezingeni lokuthi sekuvele kunamabhange ambalwa kakhulu anale nsizakalo yezenhlalo. Kucishe kwaphela kwiziphakamiso zabo. Ukuzikhawulela kuphela kuzinhlelo ezithile ezikhethekile lokho inikezwa ngamanani wenzalo anokuncintisana kakhulu, futhi lokho kungenziwa kube semthethweni ngaphandle kwamakhomishini, noma ezinye izindleko zokuphatha noma zokuphatha.
Amabhizinisi akhethekile kula makhredithi
Noma kunjalo, usesikhathini ukuze wenze le misebenzi yasebhange ibe semthethweni. Zenziwe eminyakeni yamuva nje yibhizinisi elikhethekile kulesi sigaba semalimboleko emincane. Le yiMicrobank, ukwahlukaniswa okuncane okukhuthazwe yiLa Caixa ukuhlangabezana nalezi zidingo ezihlukile. Ukunikela ngemigqa eminingana yesikweletu emindenini engenzi lutho, intsha engasebenzi, kanye nosomabhizinisi imbala. Une-microcredit ekhetheke kakhulu, eyenzelwe ukonga imvelo.
Ezinye izinhlangano, ngokuphambene nalokho, zixazulule lesi sidingo sabantu ngokusebenzisa izikweletu zakudala ezithuthukisa ama-margins abo wezohwebo. Angamacala akhethekile, futhi noma kunjalo, ikakhulukazi eyenzelwe abantu abasha abafuna ukwakha ibhizinisi labo lokuqala, noma ukuze uzisebenzele, uzisebenzele. Uma lokhu kuyindaba yakho, uzokhokha inzalo encane minyaka yonke, futhi uzokwazi ukufinyelela kolunye uchungechunge lwemihlomulo evuna izintshisekelo zakho.
Ngabe ama-microloans akunikeza ini?
I-Unicaja, i-Kutxabank noma i-Banco Sabadell ngezinye zezinhlangano zezezimali ezisungule le mikhiqizo yezenhlalo, nangaphakathi kokunikezwa kwazo kwezezimali. Yini ongayithola kule miklamo? ukuze uqale, amanani angenakupha ngokweqile, angavamile ukudlula ama-euro ayi-25.000.
Futhi lapho izimo zabo kuyisihluthulelo esikhulu sokubamaketha phakathi kwabasebenzisi. Hhayi ngeze, ube nesaphulelo samaphesenti amaningana wamaphesenti maqondana neziphakamiso ezijwayelekile. Futhi okungezwa imigomo ekhokhelwa ngokukhokha eguquguqukayo, nesikhathi somusa esingafika ezinyangeni eziyi-12. Ekugcineni, ukuba khona kwabaqinisekisi noma abantu abasekela lo msebenzi akudingeki.
Ngokuya ngalesi siphakamiso esiyisisekelo, ibhizinisi ngalinye liphrinta ubunikazi balo kumkhiqizo ngamunye okukhulunywa ngawo. Kunoma ikuphi, zinikwe amandla ukuze ungakhokhi noma yiluphi uhlobo lwamakhomishini, noma ezinye izindleko. Ngokwalo mbono, bangamakhredithi azuzisa kakhulu ekwenzeni kwabo ngokusemthethweni. Ukugcina imali eyanele kusukela ngesikhathi obacela ngaso, futhi ngale ndlela ungayibeka kwezinye izidingo eziphuthumayo zempilo yakho yangasese.
Uma isicelo sakho samukelwa ungabela izinsiza kuzidingo ezahlukahlukene: dala inkampani yakho, ube yisisebenzi esizimele, noma uhlangabezane nezidingo eziyisisekelo zokuphila. Kungenxa yalesi sizathu ukuthi ukhetho lokufaka izicelo lunqunyelwe. Futhi lapho bambalwa kuphela abazokwazi ukufinyelela kulezi ziphakamiso zezimali. Ngabe ufuna ukwazi ukuthi ungomunye wabo?
Yiziphi izidingo abazifunayo kuwe?
Inkinga enkulu ekubhaliseni kunoma iyiphi yale mikhiqizo yezenhlalo ukuhlangabezana nezidingo ezidingekayo ukuze isicelo samukelwe. Ngendlela ejwayelekile, ngabantu abasesimweni sokukhishwa inyumbazane abakuthola kulula kakhulu ukuheha lezi zimali zemali. Uma njengamanje ungasebenzi, ungowesifazane oshaywayo, noma kunzima nje kuwe ukuthi uphile, uzobe usuhambe ibanga elide ukukuthola.
Kepha ngeke kube lula njengoba ungacabanga. Njengoba ama-microcredits aqondiswe kumaphrojekthi wokuzenzela umsebenzi azonikezwa ngesimo esidingekayo se- wethule okusalungiswa kwesinyathelo, futhi-ke ukuthi lokhu kuyenzeka. Uma kungenjalo, akukho okunye ongakwenza ngaphandle kokuzisola ngokwaliwa kohlelo. Futhi kufanele uthole ezinye iziteshi ezengeziwe ezingaba khona zokufeza le nhloso.
Kwenye ingxenye enhle yeziphakamiso zebhange kuzofanele ukhombise ukuthi umholo wakho wonyaka awudluli umkhawulo obekiwe wokufinyelela la makhredithi enhlalo. Imvamisa leli nani alikwazi ukweqa ama-euro angama-20.000 cishe unyaka. Futhi-ke okucacile kakhulu futhi okudingekayo ecaleni ngalinye: abesifazane abahlukanisiwe, imindeni enomzali oyedwa, njll., Bathethelele isimo senhlalo.
Uma ekugcineni ukwazile ukudlulisa lezi zihlungi, uzoba nemali ku-akhawunti yakho yokuhlola ezinsukwini ezimbalwa. Futhi inqobo nje uma zihambisana nokuqukethwe yilezi ziteshi zokuxhasa abantu ngabodwana. Noma kunjalo, maqondana nesikhathi esinqunyiwe sokukhokha ngokucophelela. Akumangalisi ukuthi uma wehluleka ukuhambisana nayo, ungaba nezinhlawulo ezinzima lapho ama-akhawunti akho angahlupheka khona.
Izinzuzo abazenzayo
Uma ungomunye wabantu abahlomule ngomklomelo wokutholwa kwamancane ama-microcredits omphakathi ahlelwe ngamabhange amakhulu, ngeke ube nokunye ongakwenza ngaphandle kokusebenzisa izinzuzo ukuqashwa kwakho okuzokulethela kona. Ahlukahlukene futhi ahlukahlukene ngokwemvelo, futhi ngokuyisisekelo azogxila kulezi zici ezilandelayo.
- Izindleko zokugcina zesimangalo sakho kuzobe kungabizi kakhulu Kuthiwani uma ukhetha ukufaka isicelo semalimboleko yendabuko, futhi enye yalezo amabhange athanda ukumaketha njalo.
- Bazokunikeza i- igama eliguquguqukayo ukuze uyibuyise, nokuthi mhlawumbe ihlelelwe izidingo zakho zezezimali, kodwa futhi nezakho uqobo, kuya ngesimo ozithola ukuso ngesikhathi sokwenza imalimboleko ibe semthethweni.
- Ekuqaleni uzoba ne- isikhathi somusa, phakathi kwezinyanga eziyi-6 nezingu-18, ukuze ube nokukhululeka okukhulu kwezomnotho ekuqaleni, futhi lokho kubaluleke kakhulu kulesi sigaba sabamukeli, ngokunembile ngenxa yezinkinga zabo zezezimali.
- Uzokhokha inzalo kuphela lokho kudala isikweletu, ngaphandle kwezinye izindleko ezingezekile ezingakhuphula inani lomsebenzi webhange, ozosiza ukwenziwa kwawo ngokusemthethweni kubo bonke abasebenzisi bebhange.
- Ngeke udinge noma yiliphi ilunga lomndeni noma umngani ukugunyaza lo msebenzi, kodwa nguwe ozoyisekela. Izikhathi eziningi ngesimo sakho njengommangali, futhi ngaphandle kwemali engenayo oyinikelayo.
- Futhi kuzo zonke izimo, ngezinga lenzalo elizuzisa kakhulu izidingo zakho. Manje ingahluka kusuka ku-4% kuye ku-7% njengomkhawulo omkhulu ukuvala ukuthengiselana nebhange lakho.
Ezinye izindlela zokukuxhasa ngezimali
Naphezu kwakho konke, uma le ndlela yezezimali yehluleka nganoma yisiphi isizathu, njengesinqumo sokugcina uzohlala uhlola eminye imithombo yemali. Ngeke kube inqubo elula, kude nayo, kepha okungenani uzokwazi ukuyizama. Akusizi ngalutho, ngeke kukubize ngalutho, futhi ekugcineni umzamo wakho ungafinyelela umvuzo oyifunayo kusukela ekuqaleni futhi ukukunikeze ukwesatshiswa ezimweni ezimbi kakhulu.
Kuyiqiniso ukuthi amathuba ngokuqinisekile azokhawulwa, futhi kungenzeka angakunelisi nakancane. Kepha ngeke ube nesinye isixazululo sokuhlangabezana nalezi zinhloso ozifunayo. Ngisho naseziphakamisweni zokuqala kakhulu, ezingakumangaza nakule ndlela yazo. Noma imuphi umzamo uwufanelekile ukuxhasa amaphrojekthi akho noma izidingo zakho.
Indlela yokuqala kuzoba ukuthola i- isikweletu phakathi kwabantu, ongonga ngayo imali eningi uma ekugcineni uvala umsebenzi ngenzalo esondele ku-6%. Kungumsebenzi ongenakwenzeka, kepha kunalokho ungathola amapulatifomu ezezimali, lapho abanye abantu besesimweni sokukuboleka imali njengefomula yokwenza ukonga kwabo kube nenzuzo.
Njengomphumela waleli qhinga elisha, nobabili ningazuza enqubweni yokuthola i-microcredit. Ngaphandle kokufuna ukuzinikela nokubekezela okuningi kuwe. Kuphela kwesidingo sokuthi uzomangalelwa ngale ndlela.
Uma ngabe wehlulekile emzameni, ngoba kuphela kuzoba khona insiza yokubuza abantu obathandayo. Bangaba nemali eyanele yokuxazulula inkinga emahoreni ambalwa, futhi ngaphandle kokuthi usayine inkontileka. Hhayi ngeze, kuzoncika ekuthandeni kwabo bobabili abathintekayo.
Futhi lapho ukuguquguquka kwezimo kuzoba indawo yobudlelwano bezohwebo. Impela kunabantu abathile abasondelene kakhulu nemvelo yakho abazimisele ukukuboleka inani lesidingo sakho. Uma ungazami, awusoze wazi, futhi ngaphezu kwakho konke ukuthi yibuphi ubudlelwano ongabethemba ukuthuthukisa lezi zinhlobo zokusebenza, ezivame kakhulu emindenini yaseSpain.