Mabungwe Microfinance - ndichiyani? The ntchito za mabungwe microfinance

Zosowa za anthu a anthu masiku ano nthawi zambiri amafuna ndalama chogwirika ndi chuma. Sikuti aliyense ndalama wokhala mkulu mlingo chotha kubisa zosowa popanda chuma zina. Pankhaniyi, ndipo pali mabungwe leni microfinance. Izi makampani athe ngongole yosavuta ndi kudya.

Kodi ayenera kumvetsa ndi mabungwe microfinance

Pali zambiri nyumba osiyana, cholinga cha ndilo kukhazikitsa wotuluka osiyanasiyana ndalama. Kulengezedwa ngongole kapena ngongole - ndi chimodzi mwa zinthu zambiri makampani amenewa. Kuyankha funso "microfinance bungwe - chimene chiri" Dziwani mfundo zotsatirazi: ntchito za mabungwe amenewa ndi pafupifupi kwathunthu ofanana kubanki. kusiyana lagona pa malamulo opareshoni dongosolo kulamulira ndi malamulo zochokera makampani mchitidwewo issuance njira.

Ndipotu, microfinance umalimbana kupereka zosiyanasiyana ntchito zimene zogwirizana ndi amalonda amene kutsegula malonda awo, ndi munthu wamba mu msewu. Ubwino wa makampani amenewa ndi kuti akhoza kupereka ndalama popanda mbiri ngongole, ndi misonkhano yambiri kuti zikuchitika mu mabanki. Izi zikutanthauza kuti ndalama mosavuta mabungwe microfinance. Nkofunika kumvetsa mfundo zotsatirazi: ntchito ya mabungwe amenewa mothandizidwa ndi boma, lomwe kumakhudza mwachindunji pa mlingo wa kuwadalira. Choncho, anthu amene atadzifunsa mafunso ngati MFIs odalirika, chimene icho chiri, ndipo kaya m'pofunika kugwiritsa ntchito misonkhano imeneyi, mukhoza bwinobwino ntchito ku nyumba izi chifukwa malamulo kwathunthu.

Kuti mudziwe zambiri za kudalirika

Imodzi mwa njira zabwino kudziwa kapena kukhulupirira kampani inayake, chinkhoswe mu yaying'ono-ngongole - ndi kufunsa mndandanda wa mabungwe kuti mbiri. Mukhoza kuchita izi pogwiritsa ntchito misonkhano ya mabungwe mlingo, mwachitsanzo, "Katswiri RA". Mfundo zimenezi kudzakuthandizani kuti mudziŵe zimene kampani chikhulupiriro chabwino kukwaniritsa ake udindo panopa ndalama.

Mtengo wa ziyenera izi kuti mwayekha Choncho, cholinga ndi chifukwa, amasonyeza mwaimvetsa. Choncho, musanyalanyaze chizindikiro munthu makampani kugwira ntchito mu yaying'ono-ngongole mtundu.

Kodi mukudziwa townsfolk

Choyamba, aliyense kampani igwera mu gulu la mabungwe microfinance, adzakwapulidwa analowa mu State Register. Kuti adziwe ngati panali mfundo za kalembera, m'pofunika woyang'anira nduna ya Bank of Russia, imene deta ndi chaulere. Komanso, sakuwupweteka kulipira anakaona ofesi ya makamaka MFI a. Kuti pali adzaikidwe kalata ya kulembetsa mu State Register.

Chofunika pa udindo wogwila

Ndipotu boma lililonse microfinance mabungwe ndi makampani ndi ntchito zina kwa makasitomala:

• Aliyense MFI agwiritse ntchito pamene opereka ngongole ndi tabular mawonekedwe a mgwirizanowo sichinasinthe.
• gulu lirilonse ali ndi udindo kulengeza kwa ogula ndalama zonse ngongole mopepuka. Izi zikutanthauza kuti pa wokhalamo ali ndi ufulu kudziwa kuchuluka kwa iwo kulipira pa nthawi yonse kukhwima. Mfundozi ndi zothandiza kwambiri posankha maganizo konkire. Ndipotu ina n'kofunika kuti pa nthawi ya kusainira mgwirizanowo, mwachitsanzo, ogula ngongole, phindu lake okwana sangathe kupitiliza mtengo pafupifupi masamu ndi Bank of Russia, kuposa wachitatu.
• Kukhulupirira ina MFI chimakhala kwambiri ngati limodzi la mabungwe kudziletsa zolimbana (mudziwe umembala kawirikawiri pa webusaiti yovomerezeka ya kampani).
• Aliyense MFI ayenera kupereka ogula nthawi kusankha (masiku 5).

Kuwonjezera pa funso la "microfinance bungwe -? Ndichiyani", Imathandiza kumvetsa akamanena za microloan a. Ndipotu, ndi ngongole kuti si upambana 1 miliyoni. Rubles. Pezani yofanana pa mawu ngongole ndi mabungwe alamulo, amalonda munthu ndi anthu.

mitundu ya microloans

ngongole zonse amapereka MFI akhoza kugawidwa mu mitundu yambiri. Muyenera kuyamba ndi ogula microloan. Bukuli lakonzedwa kuti anthu amene amafuna kuchuluka kuphimba zofuna zawo. ngongole kwambiri wa mtundu uwu ndi chikalata miyezi 6, ngakhale zina malipiro mwa pang'onopang'ono ndipo kwa zaka 2.

Microloans zochokera amalonda okha mln 1. Rubles zigwire zolinga zokhudzana ndi kutsegula pa, kukonza ndi kukhala ndi bizinezi zawo. ngongole akuti Pankhaniyi ranges kuchokera chaka 1 mpaka 3. chikole pafupifupi konse mwapatsidwa, koma m'pofunika kumanga mndandanda wa zikalata apempha a MFI.

Palinso yaying'ono-ngongole, cholinga kwa nthawi yochepa kwambiri, ndipo inaika anthu. Mothandizidwa ndi ngongole izi tatsimikiza zokhudza ndalama zosayembekezereka kapena Mwachitsanzo, akuchedwa malipiro. ngongole awa chikalata mofulumira kwambiri, koma iwo ndi chiwongoladzanja chochuluka.

MFIs ku Russia

Tsopano mu CIS yaying'ono-ngongole wakhala kuposa otchuka. Ichi ndi chifukwa mfundo monga kuwonjezeka zinthu stringency imene mabanki kugwirizana kukongoza, ndiponso kuchuluka kwambiri chuma mthunzi. borrowers ambiri osaganizira mgwirizano zogwirizana ndi mabanki ndi kutembenukira kwa mipata microcredit.

Ngati inu kulabadira mabungwe microfinance mu Russia ndi chiyambi cha zochita zawo, ndi Dziwani kuti bungwe la MFI unakhazikitsidwa mu 2010. Ndi lamulo limeneli analola borrowers ndi mabungwe ngongole ntchito mwalamulo.

Ntchito yoyang'anira MFIs ku Bank ku Central panopa ndikukhazikitsa, chotsatira iwo okha 2 kiyi muyezo: liquidity ndi likulu adequacy.

Zina zabwino zofunika kudziwa

Pofuna kuteteza mabizinesi ang'onoang'ono ndi anthu kwa machenjelero kenakake, lamulo zapita zina mwa ntchito zawo mabungwe microfinance: umayi likulu sangathenso kukhala njira alipire.

Ogula cooperatives komanso muli ndi nthawi malire. Iwo akhoza ntchito ndi likulu kholo yekha kukachitika kuti ntchito kwa zaka 3. kukhwimitsa ndi yosavuta cholinga chimodzi - kuchepetsa kuchuluka kwa ziwembu achinyengo. Ambiri MFIs umayi likulu unatengedwa mozemba (951 milandu). Zochitika zimenezi oletsedwa ayenera alibe malo mu msika chuma.

Amene ananeneratu kuti mabungwe microfinance zidzatsekedwa, pamene m'pofunika kupirira mfundo zosiyana - makampani awa apitiriza ntchito.

Kodi wina angathe kupereka MFI

Nkofunika kudziwa kuti ntchito za mabungwe microfinance si makonzedwe a ngongole. Nthawi zambiri, ndi MFI azipereka kwa okhala ndi amalonda mwayi yopeza ndalama zake pa anthu ena. Koma pamene mtundu uwu ndalama tidzakambirana chopereka cholakwika. The peculiarity wa ndalama ngati ndi kuti iwo inshuwaransi ndi boma. Ndiko kuti, makasitomala alibe chitsimikizo malamulo kuti ndalama zawo adzapulumutsidwa.

Poyankha mafunso ngati ndi zogwirizana mabungwe microfinance lero, icho chiri ndi mmene otetezeka ndi kugwiritsa ntchito misonkhano, mupeza mfundo zotsatirazi: ngati kampani kukhala mwalamulo kupezera mokwanira omasuka zinthu pangongole. Popeza ntchito imeneyi, sitiyenera kuiwala za zikalata afufuze ndi chinyengo zotheka zokhudzana ndi likulu akuchikazi.