Bungwe "Malonda Alliance": amakambirana depositors

Msika wa ntchito microfinance tsopano anayamba mwamphamvu zokwanira - anthu ambiri nthawi zonse kupanga yaing'ono ngongole ndalama kwa ogulidwa zipangizo yaing'ono banja, kulipira ena ngongole mwamsanga ndipo zinthu zina n'kuzibweretsanso ndi malipiro anu lotsatira.

Nawonso makampani kupereka ngongole zimenezi, zimafala ndalama, kukopa madipoziti anthu ena, kuwonjezera mbiri ndalama.

Today ife kukuuzani za limodzi mwa mabungwe microfinance chinkhoswe kulandira madipoziti ndi opereka ngongole. iye "Malonda Alliance" akutchedwa. Reviews a depositors ofesi, komanso zina zambiri ntchito ya kampani kuchokera pa Intaneti kuperekedwa m'nkhani ino.

makhalidwe General

Izi ndi microfinance bungwe (hereinafter ife timachitcha icho yafupika MFI) ndi dongosolo lililonse la zolowa ndalama. Monga tanenera kale, pamafunika ndalama zina n'kuupereka kwa ena. Kodi ndi chidwi ndi mkulu chiwongola dzanja, amene masamu pa madipoziti. Izi kale palokha angathe kukopa anthu amene akufuna kupanga ndalama ndalama zawo.

Komanso, kampani amagwiritsa angapo ofunikira malonda - zokongoletsa malo mothandizidwa ndi zithunzi angalimbikitsire wokongola, kulemba mfundo zonse za ntchito yake yaitali bwino ndi zina zotero. Ngakhale ngati mukufuna mlendo aliyense kuti malo amatha kudziwa zolakwika zina mu ntchito ya "Malonda Alliance". Ndemanga za ndalama, tiona mpaka inu kutenga.

Zaka ntchito ndi zikalata

Mu "chapansi" malo limasonyeza kuti kampani wakhala zikugwira ntchito chiyambire 2011. Pa tsamba lomwelo "za ife" olembedwa bwino akuti chaka - 2013th. Zinali ndiye kuti anali MFIs ankati m'Baibulo. Pofuna kulimbikitsa chifaniziro chake pamaso pa ndalama, pa masamba a malo mungapeze satifiketi ndipo Kalata ya kalembera wa ntchito chilli a, komanso angapo zikalata zina. Komabe, ngati ife kulankhula makamaka za kampani "Malonda Alliance" (ndemanga ndi maganizo), pali awiri okha chikalata chokhudza izo - izi ndi kalata ya kalembera wa bungwe lalamulo, komanso kukhazikitsa deta kampani mu kaundula wa mabungwe microfinance. Ndiko kuti, ena scanned pepala ikukhudzana bwanji ndi ena okhudzidwa (ichi "Center ya zachuma gulu" ndipo PDA "Eurocapital").

Mabuku

Chopereka wachibale wa kampani "Malonda Alliance" (umboni kwa munthu amene anatha kugwirizana nazo, ndidzakupatsa zambiri pang'ono) mudziwe zambiri si anafotokoza. kokha zambiri mungazipeze pa webusaiti kuti ndalama anakopeka kwa anthu kuyambira 30 zikwi miliyoni 5 rubles. Kaya kuchuluka kwa gawo adzakhululukidwa mlandu 120 peresenti pa annum (kapena 10% pamwezi). Monga kwalembedwa pa tsamba chomwecho, kupereka chidwi chopereka anapanga mwezi. Pankhani nthawi zimene ndalama amapangidwa, zingakhale kwa miyezi 3 mpaka 12.

A patsogolo pang'ono pa malo anafotokoza zosiyanasiyana "ubwino" kwa ndalama zimenezi. Awa "Malonda Alliance" (a kampani ndalama amakambirana za imene ambiri ali ndi chidwi depositors) monga lotseguka, mkulu profitability, mlingo wa kudalirika utumiki quality, lathu kasitomala, ndi zinthu monga izo.

Kuti aganyali, muyenera kuitana manambala ali mu chigawo "Lumikizanani Nafe" pa malo, ndiyeno galimoto ku ofesi ndi kubweretsa ndalama. Izi zonse monga mmene anthu a kampani, mwamsanga ndipo mosavuta.

Kuyamikira

Kupatula kulera ndalama kwa ndalama MFI "Malonda Alliance" (ndemanga ali patsogolo pang'ono) amadziwikanso nawo issuance wa ngongole. Koma zimakhala lililonse microloans umalimbana ngongole yaing'ono, kugula zina zofunika, koma zinthu zotsika mtengo, chakudya malipilo watsopano ndi zina zotero.

Malinga ndi nkhani pa webusaiti boma, pa nkhani ya galimoto monga ina ya ngongole ali ndi ufulu kuti apereke ngongole kuchuluka kwa rubles 10 okwana 50 kwa zaka 1 chaka. Pankhaniyi, wobwereka ali wokakamizidwa kuchita ndalama mlungu uliwonse pa ngongole ya. Pankhani chiwongola dzanja, ndi pa 2 peresenti pa tsiku.

A pakampaniyo amalonjeza kuti ndondomeko disbursement ndi wosavuta ndipo chikuchitika mu nthawi yaifupi zotheka. Udzamutche maofesi, kuti abwere ndi kucheza moyo, kugonjera zikalata kufunika ina katundu ndi kulandira ndalama ankafuna.

zodzitetezera

Monga taonera, kampani limafalitsa zikalata kulembetsa ake kusonyeza ndondomeko, kukhazikitsidwa ndi kulowa mu kaundula wa Russian MFIs. "Malonda Alliance" (St. Petersburg ndi pakati wachiwiri, kumene udindo wawo ndi lotseguka, pambuyo Moscow) komanso amaonetsetsa kuti madipoziti onse adzapatsidwa inshuwaransi kampaniyo, "Loyd City". Mu kutsimikizira izi Investor akulandira inshuwalansi, kutanthauza kuti 100% ya gawo adzakhala refunded Mulimonsemo.

Malinga ndi kampani wothandizira omwe timatha ife kulankhula za pakalibe chiopsezo cha ndalama ndi pa profitability wa ndikupeleka lonse wonse. Komabe, kamodzinso, kuonetsetsa kuti tikulidzera otsala a "Malonda Alliance" amakambirana depositors, amene adzakhala ndi kusonyeza zimene ali zimene.

N'chifukwa chiyani anthu ambiri

Pa webusaiti MFI ali ndi gawo lomwe lili ndi mayankho a mafunso ambiri. Mmodzi wa iwo ndi izi: "N'chifukwa chiyani inu kulipira kwambiri?". Pa nthawi yomweyo, ndithudi, kutanthauza mlingo peresenti 120, lomwe linaperekedwa kwa depositor kwa chaka ntchito ndalama. Zimakhala ndithu kwambiri - ngakhale mu maonekedwe osiyana za "Malonda Alliance" ndemanga zothandizira amati ngati Muzisamala yopindulitsa kwambiri bungwe. Makamaka poganizira mfundo yakuti madipoziti onse inshuwaransi.

Kodi kufotokoza mfundo imeneyi ndi ndodo - chinthu chonsecho kuchuluka kwambiri cha ngongole zimene borrowers kulipira. Ndithudi, cent 2 pa kugwiritsa ntchito tsiku - za 720% pa chaka. Izi ndi kuchuluka kwenikweni yaikulu phindu. Koma amene amafotokoza 120 mlingo% n'zosathekadi, monga kukongoza umabala ndalama malonda kukopa borrowers, komanso ndalama chiopsezo cha nkhani ya kusakhulupirika ngongole. Anthu amene anayamba mwakhama kuphunzira mfundo za kampaniyo, panali Baibulo pankhaniyi.

Reviews kasitomala

Ndalama makamaka molimba otchedwa kampani achinyengo "Malonda Alliance". "Microfinance bungwe" - chabe chivundikiro yosavuta zachuma piramidi, zimafunika ndalama kwa anthu ena ndipo anapereka ena, kulenga maonekedwe a ntchito. Mfundo ntchito ndi ofanana kwambiri ndi mmene kugwira ntchito m'nthawi yake lodziwika bwino mmm, lonse ang'onoang'ono yekha.

Mlendo zothandizira amatchula kuti makampani amenewa amaoneka kulikonse. Adang'amba maofesi, ganyu ogwira ntchito amene ali Ngopambana, akumwetulira inu kulemba nkhani zosangalatsa za ntchito yawo pa webusaiti boma. Koma ndiye si akubwera.

Tinganene, inu kusonkhanitsa kuchuluka, ankangosiyiratu malipiro ndi "azipiringa" nthawi kusowa kwa ndalama anadandaula kwambiri. Ndi borrowers, kampani mosakayika ayi, popeza ndalama, ndipo ngakhale chitetezo cha galimoto ndi oyera ukathyali.

Ndipo mfundo ina chidwi, zimene zikusonyeza ndemanga zothandizira. malo kakunena za zimene kampani adzakhala disburse m'malo mwa "Malonda Alliance", pomwe Ngowerengera OOO "Center ya ndalama onse." Choncho, kutsimikizira kuti ananyamula ndalama mu ofesi choyamba, zidzakhala zosatheka - malinga ndi zolembedwa ali awiri mabungwe osiyana kwambiri malamulo.

Feedback ku ndodo

Mwatsoka, kugwiritsa kufufuza pa intaneti, sitinachite anakwanitsa kupeza "Malonda Alliance" mayankho ochokera ndodo. Mwina, chifukwa ndi boma laling'ono la kampani, wopangidwa mwa anthu angapo. N'zotheka ndithu, ntchito ndi makasitomala kuchita zinthu ndi eni kampaniyo, popanda yokhudza ndodo zina.

mwanjira ina, koma limatithandiza zoonekeratu opanda chikhulupiriro MFI.

Poti akukhudzidwira

Kodi inu kulemba mawu omaliza za bungwe ili? Iwo amapereka zinthu ndi bwino kwambiri wokongola kuti mwachionekere kukopa ndalama. Pa nthawi amenewa mayankho kwenikweni gawo la borrowers, palibe malangizo ochokera ndodo ndi ndemanga funso kwa ndalama angathe amene ali ndi chidwi mu mtundu wa bizinezi angathe kubala chotero chidwi openga.

Mfundo yachiwiri - ndi kugawikana mabungwe angapo malamulo, zomwe zikusonyeza kuti zonse pa cholinga. N'zotheka pamaso pa mabungwe angapo malamulo mwagona ingatithandize bwanji mapeto a chinyengo cha depositors.

Monga malangizo a ndalama zina, ndi bwino pochitika ndi kampani. Zokolola 120% pa chaka - imangokhala kupusa. Ngati mukuziyenereza bungwe ili kwa wina, yopindulitsa kwambiri makampani, iwo angalonjeze munthu pazipita 20% pa chaka. kusiyana ndi palpable.