MFI "Kashalot Finance": ndemanga. Quick ngongole ndalama

mabungwe Microfinance anabadwa mu Russia mu 90s oyambirira. M'zaka za m'ma lomaliza iwo anali wotchuka zochepa. Kuti "lotseguka msipu" microfinance makampani anali mpaka 2010, pamene lamulo lomaliza chinaperekedwa pa mlingo la feduro, amene amalola kuti zonse ubale mabungwe kupereka microfinance, ndipo anthu.

Kodi MFI, ndi zimene amadya?

MFIs - mabungwe ndalama zikugwira kupereka yaying'ono-ngongole kwa anthu. Awa ndi ang'ono kupatsa ndalama mwapatsidwa kwa nthawi ananenera, ndi kubwerera chidwi chisanadze anakonzedwera ntchito. alipire nthawi ranges ku osachepera masiku 5 mpaka chaka. Koma wotchuka kwambiri akuti, imene anthu akubwereranso ngongole - mwezi.

Nkhani ya

Chaka chobadwa mwa dziko la microfinance ndi chaka cha 1976, pamene Professor Muhammad Yunus maziko a banki "Grameen". Iye apadera akamapatsa yaying'ono-ngongole kwa Bangladesh osauka.

Patapita kuti zilipo ife adaonjezeredwa ndi ntchito monga mikrovklady ndi mikrostrahovka. thandizo limeneli ndalama lalembedwa kwa anthu ndi ndalama zochepa. Pakali pano, padziko lonse pali anthu pafupifupi 10,000 mabungwe microfinance kuti zikugwira ntchito oposa 20 miliyoni. Anthu m'mayiko lachitatu dziko ndi m'mayiko osauka.

MFI Mosiyana mabanki

Chachikulu kusiyana kwa MFI a banki - ichi ndi mkulu wokhulupirika kwa borrowers angathe. Pakuti mabungwe microfinance si vuto cha kukhalapo kwa makasitomala akumane ngongole mbiri, pamene kwa mabanki, item izi ndi zofunika kwambiri. Ngongole kwa MFI anapanga magulu onse - ophunzira adapuma, osati mwalamulo ntchito nzika, ngakhale anthu amene alibe kalikonse kutsimikizira ndalama zawo.

Banks ndi MFIs sizilimbirana makampani. Ndi m'malo dongosolo wowonjezera - amapereka mabanki ndi MFIs apatukane ndi mnzake. Mabanki apereke ngongole yaitali ndi peresenti optimally chikufanana ndi MFI - yaing'ono ngongole ndalama kwa nthawi yochepa.

Chidwi mtengo ntchito

Popeza kuti opereka ngongole ndalama, aliyense bungwe ngongole ali pangozi, iye ayesera kuoneratu izo. Asatayike kupewa kutaya ndalama, MFI anagona ngozi mu kuchuluka kwa ngongole ya.

mlingo Daily chidwi pa yaying'ono-ngongole ndi avareji ya 2%, ndipo Apr, motero, 730%. Zoipa zotsutsana ndi MFI nzika kudziikira mfundo zawo pa ka izo. Koma kuwerengetsera ayenera kukumbukira kuti nthawi imene ngongole watengedwera zambiri zokhudza mwezi umodzi. Cholinga cha ngongole - amakhulupilira mpaka malipiro lotsatira ndalama, choncho chidwi ntchito ya sizikuwoneka kwambiri.

Kodi kutsatira

ntchito potuluka n'zosavuta kwambiri. Monga lembani yofunsira ku ofesi MFI. Inakhazikitsa microloans popanda macheke. Kupeza ngongole sayenera guarantors iliyonse, kapena chotani ina kapena kusonkhanitsa akonzedwa zina zolembedwa.

Ndi pempho kwa extradition ndalama abwera mofulumira kwambiri: Mphindi 15-20 chabe podikira. Mwamsanga pambuyo pa kukhazikitsidwa kwa kusankha zabwino kugwiritsa ntchito kwa ngongole, ndalama watenga kunja.

Momwe microloans popanda kusiya kwanu

Daily kuwuka kufunika kwa microloans kumabweretsa zikamera wa misika ndalama ambiri mabungwe atsopano. Ndipo kuti tikapulumuke chilengedwe lero mpikisano waukulu makampani ndi kupita zidule zatsopano.

Kukopa borrowers zambiri mabungwe awo, mabungwe a zachuma kuonetsetsa misonkhano anapereka chitonthozo ndi chomasuka ntchito. Mwachitsanzo, mabungwe microfinance analengedwa, imene mungagwiritse ntchito kwa ola ngongole. Tsopano simuyenera kudikira ena maola kutsegula kwa kampani - mwamsanga pamene panali kufunika kwa ndalama, inu athanso ntchito.

Komanso analandira chitukuko gulu lalikulu, pogwira ntchito zawo ali ndi Intaneti. Kupeza ngongole kampani, zokwanira kudzaza ntchito Intaneti pa boma webusaiti kapena bwenzi malo, ndipo dikirani kuti ayankhe. Patapita mphindi 15-20, ali okonzeka. Ngati zochita zabwino, kuchuluka ngongole akhoza anasamutsa khadi kapena nkhani, kuti mupewe ngongole ntchito zamagetsi (mwachitsanzo, "Yandex"), kapena mwa dongosolo la ndalama yomweyo.

Kodi kulosera za akatswiri azachuma, zinthu ziliri pa MFIs padziko lonse kukhudza okwanira pa chuma, ndipo pa nthawi kokha kuonjezera.

Kodi kusankha kampani bwino

"The umuna chinsomba Finance" mwa zokumana MFIs ambiri amene ife akamufunsirire m'nkhani ino ndiyo chimaonekera ndipo yabwino mawu akuti wobwereka lapansi.

Microfinance Organization "Kashalot Finance" ndi bungwe la 35 mabungwe ngongole, amene mofulumira ndi usana ndi usiku wokonzeka kulandira ndi pokonza ntchito ngongole. The MFIs olemekezeka mgulu ndi "nyumba", "Union Finance" ndi "Mtsogoleri".

Likupezeka pa kampani 'Kashalot Finance "ndemanga za zinthu kukongoza bwino kuti kumasiyana ndi mtundu wawo:

1. kampaniyo ndinazolowera mogwirizana yaitali ndi kasitomala (pa chaka).
2. MFO "Kashalot Finance" pamene kumaliza ntchito zogwirizana ndi kulandira ndalama pa webusaiti nduna, ndiye amatumiza pempho wobwereka kwa makampani onse gulu.

Zonse izi zichitike chilolezo olembedwa a kasitomala. Patapita maola ochepa, mwina mphindi, malingana wakewo a ntchito ndi kampani telefoni kuwadziwitsa za chisankho.

Kodi ndi ndani ntchito

Ntchito pa malo zosavuta. tsamba kunyumba ili akhazikitse kumaliza chikalata, amene uyenera mwachindunji deta yachibadwa: jenda, zaka, dzina, ndi foni cha ndemanga. Pamene ankaona mawu akhoza kuwerenga pa tsamba "Kashalot Finance" ndemanga kuchokera kwa anthu amene apindula kale misonkhano ya kampani imeneyi.

MFIs pogwiritsa ntchito maluso awo ntchito nzeru achititsa kuti akubwereketsa anthu oposa 25,000. Ndipo ili si malire!

Kulowa "umuna chinsomba Finance" ngongole sikovuta. Kuchuluka kuyambira cha rubles 1,000, ndi kutsiriza ndi lalikulu 100 000 rubles. Kubwerera ndalama akhoza kukhala mu sabata kapena nyengo pazipita - zaka 1.5. Palibe mavuto mukufuna guarantor kapena kupereka zikalata kuchokera ntchito. Only chikalata cha nzika ya la Russia. Makasitomala ndi "kuphedwa" ngongole mbiri ndi 90% motsimikiza kuti nkhani mu "umuna chinsomba Finance" ngongole. Chidwi ntchito kuwala: 0,5% tsiku.

Mafomu ofunsira, kasitomala amapereka chilolezo lililonse kwa processing deta wake, kuonanso n'loonadi deta anapereka kwa iwo ndi kuloleza chithandizo CHB, komanso kumveketsa lingathe ngongole ngongole.

Kupereka ngongole ndi kubwerera ndondomeko

Ziyenera kukhala okonzekera, nthawi zina, ndi MFI zikhoza anapempha zikalata izi:

• ngati alipo - laisensi kapena pasipoti;
• SNILS;
• satifiketi banki za chuma ndi ndalama wobwereka kapena mtundu 2-DZENJE.

Pakuti disbursement kuthekera makasitomala liyenera kugwirizana mwangwiro m'njira ziwiri: kukhala mu m'badwo osiyanasiyana kuyambira azaka 18 mpaka 75 ndi kukhala nzika ya Russia.

Osiyana- siyana nzika ntchito kwa MFI, pali ena mapulogalamu anasankha omasuka kwambiri ngongole ndi mawu kusintha alipire. Nthawi ntchito mobwerezabwereza, borrowers otsimikiza za zinthu wotsatira yabwino ndi peresenti zosangalatsa.

Refunds mu "umuna chinsomba Finance" angathe kukhala osiyana. Iyi ndi mlungu malipiro ofanana pang'onopang'ono mpaka mapeto a mawu zafotokozeredwa mgwirizano. Kapena pa tsiku la chimaliziro ayenera anabwerera kubwereka ndalama, ndi chidwi ntchito zake.

Kasitomala wapatsidwa ufulu njira kudziletsa kusankha obwereza ndi njira imene iwo atero. Ndalama akhoza anasamutsa mwa khadi, chifukwa, e-wallets ndi zina dongosolo yomweyo gulu.

Nditawerenga za "umuna chinsomba Finance" ndemanga kasitomala, Ndizachidziwikire kuti zoipa okha ku kampani - Kupititsa zosagwirizana. M'mawu ena, yekha okhala m'madera ena a dziko akhoza kubwereka ndalama ku kampani.

Ngati nkhaniyi sanapeze mayankho a mafunso onse amene inu nthawi zonse timawutcha "umuna chinsomba Finance" (nambala ya foni pa webusaiti yovomerezeka ya kampani), kapena kupempha ndiyimbileni wa woyendetsa amene angamvetsetse kukwaniritsa chidwi chanu.

Gwiritsani ntchito ya MFI kapena ayi - payekha. Koma musaiwale mwambi kuti munthu wina aliyense, ndipo kwa kanthawi kochepa, koma ndiye kuti ndichoke naye kwa nthawi zonse.