Ndi mabungwe microfinance chiyani?

Microfinance ndi microfinance mabungwe n'zofunika kwambiri poyambira akuluakulu. Amalonda kulowa msika, ndi mwayi waukulu magwero a ndalama. Taganizirani mfundo zinanso zimene tingati mabungwe microfinance.

makhalidwe General

Mu zachuma ndi microfinance kumvetsa asapita yeniyeni ndalama pakati pa mabungwe amene amapereka chithandizo choyenerera, ndi mabizinesi ang'onoang'ono mu tionane ndi moyandikana. ntchito imeneyi imaphatikizapo kudzikundikira chuma makonzedwe a chiwembu chosavuta. Kupeza likulu kofunikira ikuchitika malinga ndi mfundo za malipiro chidwi, alipire, naperewera pa chidaliro. Zikutanthauza nthawi yomweyo ayenera anakhala mwachindunji pa zomwe gulu bizinesi.

mabungwe Microfinance: Ndemanga

Izi makampani atembenukira amalonda ambiri wokhala. Zinthu masiku ano kuyambira zikande ndi mabvuto kwambiri. Izi zimapangitsa anakadandaula kwa zina magwero a ndalama. Monga amalonda okha, mabungwe microfinance kupanga bwino ndipo kwambiri zazikulu dongosolo kukongoza. The ndalama analandira choti zina kupangidwa ndi kufalitsa zopangidwa ndi misonkhano. N'kofunikanso kuti amalonda latsopano ndi mwayi osati kupeza zofunika msika zinachitikira kupanga phindu, komanso kuyamba kudziunjikira likulu.

ntchito

mabungwe Microfinance kupereka ziwembu kusintha ngongole. zitsanzo izi amakulolani mosavuta kugonjetsa zopinga ndi kuyamba bizinesi kuchokera zikande, wopanda chilungamo ndi ngongole mbiri. Komanso makampani izi zimathandiza kuti zolinga izi:

1. Kuonjezera chiwerengero cha anthu amalonda mu dziko.
2. msonkho amachotsera kukula.
3. Mapangidwe mbiri ngongole kwa ndalama m'tsogolo mwa gawo a kubanki.

ubwino

mabungwe Microfinance kupereka chithandizo kwa amalonda, kuwonjezera pa magombe malonda. Motero, pali lolimbikitsa kwambiri ya dongosolo la ndalama ya boma. Nthawi zambiri zinthu zoperekedwa ndi mabanki, ndi prohibitive kwa malonda. Monga mmodzi wa mavuto waukulu ndi kofunika kupereka ngongole. mabungwe Microfinance kupereka ntchito ang'ono ndi ngozi yochepa ndi mwayi lolozeka. ntchito amenewa lipindulitsa pa magombe malonda.

nzika

ntchito Microfinance Amawapatsa:

1. mabungwe apadera odzipereka okha kukongoza. Nawonso, ndalama ndi magwero kunja.
2. mabungwe Mawu. Iwo ndi kampani ndi umembala gulu. Iwo anapanga zogwirira ntchito ndalama kwa mamembala ake. ndalama anadza kuchokera zopereka kwa anthu mwachindunji. Childs, nyumba amenewa mulibe zolowetsa kunja.
3. Mawu cooperatives ulimi. Ndi mgwirizano gulu umembala. Amagwira ntchito makamaka ndi minda ndi makampani chinkhoswe ndi / × kupanga.
4. Ndalama kuthandiza tochepa. Iwo akhoza kukhala oyang'anira tauni kapena boma. zinthu zimenezi kupereka chithandizo popanda chilolezo cha banki.

nkhani za m'mbiri

Makampani microfinance wakhala zotsatira za chitukuko cha yaying'ono-ngongole. Professor Muhammad Yunus mu 1976 anakhazikitsa banki "Grameen". Ndi bungwe makamaka tikukongoza Bangladesh osauka. Akukhulupirira kuti pa chaka chino, ndipo microfinance anabadwa. Patapita kanthawi panali zinthu zina kwa anthu amene amapeza ndalama zochepa. Mwachitsanzo, anayamba microinsurance, mikrovlady ndi zina zotero. Malinga ndi kafukufuku, anapatsidwa Bank World, ndi 2005, oposa 7 zikwi. Izi makampani ntchito mu dziko. Okwana makasitomala awo ndi za 16 miliyoni m'mayiko osiyanasiyana.

Ntchito Russia

The Russian microfinance kampani anapereka zosiyanasiyana malamulo. The co-operatives zinthu monga waukulu yaying'ono-ngongole makampani. Komabe, tisaiwale kuti kukhazikitsa magulu microfinance mu Russia akudutsa si monga kwambiri m'mayiko ena. Pali ochepa makampani apadera amene akhoza kukwaniritsa ambiri ankayendetsa yaing'ono ngongole. Mapangidwe ndi wotsatira chitukuko cha dongosolo thandizo boma m'pofunika ndi oyenera owona za malamulo chimango. Imodzi mwa njira woyamba cha yankho la mavuto awa linali lamulo "Pa mabungwe microfinance". Ndipo anavomereza ndi boma Duma mu 2010. Federal Chilamulo №151 nthawi ntchito makampani amenewa, kukula zinthu ndi ndondomeko makonzedwe a ngongole yaing'ono kwa anthu.