MFI "Kashalot Finance": ukubuyekezwa. Quick imali ukubolekisa

izikhungo Microfinance azalelwa eRussia 90 zokuqala. Ekhulwini sokugcina lapho lavuselelwa kangako. Ukuze "emadlelweni evulekile" izinkampani microfinance babekhona kwaze kwaba 2010, lapho umthetho wokugcina waphasiswa ezingeni federal, okuvumela ukuba alawule ubudlelwano phakathi nezinhlangano ezihlinzeka amasevisi microfinance, futhi umphakathi.

Kuyini MFI, futhi yini ibadla?

MFIs - yisikhungo sezinhlangano eziphambili zezezimali wahlanganyela ekuhlinzekeni micro-ayeyiboleke sabantu. Lawa basisize imali encane anikezwe isikhathi esithile, kubuye isithakazelo zangaphambi nakhelwe ukuzisebenzisa. ukubuyiswa kwemali isikhathi zokhahlamba kusuka izikhathi esiyizinsuku ezinga-5 futhi kufika unyaka. Kodwa leli gama ethandwa kakhulu, okuyothi ngalo labantu ibuyisela izikweletu - ngenyanga.

Indaba

Unyaka lokuzalwa emhlabeni microfinance unyaka 1976, lapho USolwazi uMuhammad Yunus wasungula yasebhange "Grameen". Yena ezikhethekile ukunikeza micro-ayeyiboleke Bangladeshis abampofu.

Esikhathini eside kamuva, ukuze itholakale thina kwanezelwa namasevisi afana mikrovklady futhi mikrostrahovka. Lokhu usizo lwezimali lwakhiwe for abantu abathola iholo eliphansi. Kuze kube manje, emhlabeni wonke, zikhona mayelana 10,000 microfinance izikhungo ukuthi kunezigidi ezenza inkonzo angaphezu kwezigidi ezingu-20. Abantu emazweni yezwe yesithathu futhi emazweni asathuthuka.

MFI Ngokungafani amabhange

Umehluko omkhulu kusukela MFI ebhange - lena ukwethembeka okusezingeni eliphezulu ukuze ababoleka ezingase zizibangele. Ukuze ezikhungweni microfinance akuyona inkinga phambi ikhasimende okungekuhle credit umlando, isikhathi amabhange, lento ibaluleke kakhulu. Ukubolekwa kwemali kuya MFI wenza wonke amaqembu - abafundi, umhlala, aziziningi izakhamuzi ngokusemthethweni ukusebenza, ngisho labo abangenalutho ukufakazela imali yabo.

Amabhange MFIs kungukuthi ukuncintisana izinkampani. Kuyinto kunalokho isakhiwo aphelele - inikeza amabhange kanye MFIs ukuhlukanisa nomunye. Amabhange ukunikela ukubolekisa eside nge amaphesenti ngokufanele ifaniswe futhi MFI - loans ezincane imali isikhathi esifushane.

Isithakazelo Izindleko ukusetshenziswa

Njengoba sazi ukuthi ngokukhipha imali ukubolekisa, yisiphi isikhungo credit isengozini, uzama kusengaphambili ke. Ukuze ubuncane ukuze ugweme ukulahlekelwa imali, MFI walala ngentando yakho kuphesenteji imalimboleko.

Daily senzalo ku micro-credit yisilinganiso sesifundo 2%, futhi Apr, ngokulandelana, 730%. Iyimbi namasayithi MFI izakhamuzi ezitholakalayo zenza izingxabano zawo ngalolo accent. Kodwa izibalo kufanele kukhunjulwe ukuthi isikhathi loan esithathwayo ngokuvamile cishe inyanga. Injongo eyinhloko loan - ukuzabalaza kuze izinkokhelo wezimali olandelayo, ngakho isithakazelo ukusetshenziswa akubonakali eliphezulu kakhulu.

Indlela yokufaka isicelo

isicelo Ukuphuma lula kakhulu. Vele ugcwalise isicelo ehhovisi MFI. microloans Ikhishwe ngaphandle amasheke. Ukuze uthole imalimboleko akudingi guarantors, futhi akusho ukuthi ahlinzeke eseduze noma ukuqoqa iqoqo elithile imibhalo.

Ngempendulo yesicelo ukuze ayiswe we imali iza ngokushesha kakhulu: imizuzu 15-20 nje ukulinda. Ngokushesha ngemva ukwamukelwa sinqumo esihle ku isicelo loan, imali wakhipha.

Kanjani ukuze uthole microloans ngaphandle kokushiya ikhaya

Daily ekuphumeni ukufunwa microloans kuholela ukuvela ezimakethe zezimali inqwaba izinhlangano entsha. Futhi ukuze sisinde esimweni sanamuhla yemincintiswane, izinkampani baye wonke amaqhinga amasha.

Ukuheha ababoleka ngaphezulu ezinhlwini zabo, izikhungo zemali ukwaba amasevisi anikezwa induduzo lula ukusetshenziswa. Ngokwesibonelo, izikhungo microfinance zidalwe, lapho ungakwazi isicelo ihora credit. Manje awudingi ukulinda amahora athile kuvulwa inkampani - ngokushesha kwaba khona isidingo sezisebenzi imali, ungakwazi ngokushesha isicelo.

Futhi wathola inhlangano enkulu ukuthuthukiswa, ekufezeni imisebenzi yabo ngokugcwele inthanethi. Ukuze uthole imali ngaphandle kwenzalo ukuze inkampani, ngokwanele ukuba ugcwalise isicelo inthanethi kwi website esemthethweni noma amasayithi, futhi ulinde impendulo. Ngemuva kwemizuzu engu-15-20, isilungile. Uma isinqumo esihle, isamba semalimboleko angadluliselwa ekhadini noma i-akhawunti, ukuhoxisa loan usebenzisa izinhlaba (isib, "Yandex"), noma ngokusebenzisa isimiso izinkokhelo osheshayo.

Indlela ukubikezela abahlaziyi zezimali, isimo samanje MFIs emhlabeni wonke kube nomthelela eyanele emnothweni, futhi ngokuhamba kwesikhathi ke kuzokhulisa kuphela.

Indlela ukukhetha inkampani kwesokudla

"I sperm whale Finance" phakathi nakho MFIs abaningi 'okuyinto siphakamisa kulesi sihloko imigomo esobala elihle kunawo futhi lo muntu obolekayo.

Microfinance Inhlangano "Kashalot Finance" yinhlangano ka 35 credit izikhungo, okuyizinto ngokushesha futhi anganqamuki ukulungele futhi sicubungula isicelo semalimboleko. I MFIs evelele kunazo zonke kufakwe kuleli qembu "yesibani", "Union Finance" futhi "uMholi".

Kuyatholakala ku-inkampani 'Kashalot Finance "Izibuyekezo kwezimiso abolekise ikwenza kucace ukuthi uhluke zazo siqu:

1. Inkampani bazivumelanisa nokubambisana eside nge iklayenti (ngaphezu konyaka).
2. MFo "Kashalot Finance" lapho ngigcwalisa isicelo efanele ukuthola imali kwi website esemthethweni, bese ithumela isicelo umboleki ukuze zonke izinkampani iqembu.

Konke lokhu kwenziwa nge kwemvume ebhaliwe iklayenti. Ngemva kwamahora ambalwa, mhlawumbe imizuzu, kuncike umsebenzi opharetha, inkampani wathola ucingo ekwazisa mayelana nesinqumo.

Ngabe waya kuphi futhi kubani ukusebenzisa

Umsebenzi kwisayithi lula kakhulu. Ikhasi lasekhaya itholakala isiphakamiso ngokuqedela ifomu lesicelo, okuyinto kumelwe ucacise idatha evamile: ubulili, ubudala, igama, ifoni ngempendulo. Nakuba kubhekwe isitatimende ingafundwa ekhasini "Kashalot Finance" izibuyekezo ezivela kubantu asebeke bazuza amasevisi wale nkampani.

MFIs ngokusebenzisa amasu umsebenzi ezintsha zabo ziye zabangela ukuba uboleka abantu abangaphezu kuka-25,000. Futhi lokhu akuyona umkhawulo!

Singene "umkhoma Finance" loan akunzima. Inani kokuqala ruble 1,000, kanye sekugcineni kuyingozi ruble 100 000. Ukubuyela imali kungaba ngeviki noma kuze kuphele isikhathi esiphezulu - iminyaka 1.5. Akukho ukuxakeka athande ukuba yisiboniso noma ukunikeza izitifiketi zombhalo ofihliwe kusuka emsebenzini. idokhumenti kuphela isakhamuzi WaseRussia. Amakhasimende nge "ababulewe?" Umlando wokukhokha kwemali abe-90% ngokuqiniseka ukuthi udaba in the "isidoda whale Finance" loan. Isithakazelo ukusetshenziswa yokukhanya: 0.5% nsuku zonke.

Gcwalisa isicelo, iklayenti unika imvume ejwayelekile ngokucubungula idatha yakhe siqu, ukuhlola ubuqiniso idatha enikeziwe kubo futhi uvumela uhlelo lokwelashwa CHB, kanye ukucacisa bezikhali oluvelele credit izikweletu.

Ukuze anikeze credit nenqubomgomo yokubuyisa

Kufanele kube isilungele ukuthi, ezimweni ezithile, MFI kungenzeka eminye eceliwe kumadokhumenti alandelayo:

• uma ikhona - ilayisense yokushayela noma ipasipoti;
• SNILS;
• isitifiketi yasebhange mayelana imali umboleki noma ifomu 2-PIT.

Ukuze ukukhokhelwa ezingaba ikhasimende kufanele ukulingana kahle ngezindlela ezimbili: ukuze kube ibanga lobudala kusukela engu-18 kuya ku-75 ubudala futhi abe yisakhamuzi yeRussia.

Ukuze izigaba ezahlukene bayizakhamuzi isetshenziswa MFI, zikhona izinhlelo ezithile ukuthi kukhethwe loan ukhululekile kakhulu nezimo buyiselo imigomo. Ezimweni kwesicelo okuphindaphindiwe, ababoleka angaqiniseka izimo okwalandela obuhle amaphesenti emnandi.

Ukubuyiselwa kwemali ku "umkhoma Finance" kungaba ezahlukene. Lokhu kungaba njalo ngeviki inkokhelo izitolimende alinganayo kuze ekupheleni kwethemu elicacisiwe inkontileka. Noma ngosuku lokuvala kufanele zibuyiselwe ukuboleka imali, kanye nenzalo ukusetshenziswa kwaso.

Iklayenti kunikezwa ilungelo lokuzinqumela Ukukhetha indlela ukubuya futhi ngazo kwakuyoba ukwenza kanjalo. Imali angadluliselwa ngokusebenzisa ikhadi, i-akhawunti, e-wallets kanye nezinye uhlelo sokungena osheshayo.

Ngemva kokufunda "umkhoma Finance" izibuyekezo zamakhasimende, kumele kuphetfwe ukuthi engemihle kuphela inkampani - ukungavumelani indawo. Ngamanye amazwi, kuphela abahlala ezindaweni ezihlushwa ethile yezwe kungaba ukuboleka imali inkampani.

Uma lesi sihloko abasitholanga izimpendulo zayo yonke imibuzo ungahlala ushayele "umkhoma Finance" (inombolo yocingo ezitholakele ku-website esemthethweni inkampani), noma ucele ucingo emuva we-opharetha, abangakwazi ukwanelisa ngokugcwele ilukuluku lakho.

Sebenzisa amasevisi we-MFI noma cha - kuyindaba yangasese. Kodwa ungakhohlwa isisho ukuthi uthatha yomunye, futhi isikhashana, kodwa ke kufanele ushiye naye futhi zonke.