Nangona kunjalo, iimali-mboleko azifiki lula kubantu abaneentengo ezibi.
Lapha e-US nakwezinye iindawo ezininzi emhlabeni jikelele, ngokukodwa kumazwe anesithathu ehlabathini, imali eboleke imali ihlala ihamba nenani lentengo ephezulu, eqhubekayo yokwandisa ibhalansi yemboleko kunye nokukhusela abobolekayo ukuba bahlawule imali. Kule bantu, ukuhlaziywa kwezinto eziphuculweyo kuye kwaphuhliswa njengendlela yokukhathalela uluntu ukubonelela ngemali ababoleki abayifunayo kwiirhafu ezingenakho ukuthenga.
Yintoni iMicrolending?
I-Microlending yinkqubo yokunika imali encinci kakhulu kubantu abaneemfuno. Ezi mboleko zivame ukusetyenziswa ngabashishini abaqalisa ishishini, okanye abo bafuna imali eyongezelelweyo ukuze bandise. I-Microlending iyingqayizivele ngenxa yokhuthazo emva kwayo, ubungakanani bemali-mboleko kunye nabantu ababandakanyekayo.
Isizathu: Ababoleki abaqhelekileyo bemveli bajolise kuphela ekufumaneni inzuzo , ngokuhlawula inzala kunye nemirhumo ehlawulisa iindleko zabo. Abadlali beMicrolenders banomdla kakhulu kuphuhliso .
Abanye ngokuqinisekileyo bafuna ukufumana inzuzo, kodwa injongo ephambili inceda ekuphuhliseni amashishini amashishini amancinane angenako ukuboleka. Imibutho ye-Microlending inokubonelela nge-coaching nokuqeqesha, ukufundisa aba mashishini indlela yokuqhuba ibhizinisi eliyimpumelelo ngenzuzo eyaneleyo yokuhlawula umboleko wabo, ngokuchasene nokuboleka imali kunye nokuvumela abolekayo ukuba bazibophezele.
U-Microlending waqala ngo-1974 kunye nomntu oyedwa, u-Muhammed Yunus, wenza imali mboleko encinci kumfazi waseBangladesh ohlala entlupheko ukuze enze kwaye athengise izitulo zokugada ukuze aphelise intsapho yakhe. Kususela ekukhuleni kusebenze kwiibhanki ezininzi ezahlukeneyo kunye neebhanki ezingekho ebhanki, kumazwe amaninzi. Liye laguqula imizamo yoncedo kumazwe omhlaba wesithathu kwaye, ngezinga eliphezulu lokubuyisela imali mboleko, ibonise ukuba abahlwempuze bafuna ukuphakamisa isandla ngaphezu kwesandla.
Ubungakanani bemali : I- Microloans, ngokuqinisekileyo egameni labo, ngamanye amaxesha incinci njenge-25, nangona ingaba enkulu. Kwiindawo ezininzi zehlabathi, i-$ 25 okanye i-$ 50 iya kude kakhulu kwaye iyakuthengisa ukubonelela ngokufanelekileyo kwempahla yomntu ongenomdla ongakwazi ukuvelisa umkhiqizo kunye nokubuyisela inzuzo.
Igama elithi "micro" linxulumene kwezinye iimeko. Apha eMelika, i-Small Business Administration (SBA) ibona into engaphantsi kwama-$ 50,000 i-microloan. Oko kwathiwa, iNgxelo ye-SBA ukuba i-microloan yabo yesilinganiso i-$ 13,000. Uninzi lwababoleki bendabuko abanomdla kubathengi be-microloan kuba libiza kakhulu ukuvavanya ukubolekwa ngabboleki kunye nokubhala phantsi iimali-mboleko zentengiso encinci, kwaye akukho ithuba lokuba bafumane inzuzo.
Abboleki: Abantu abasebenzisa ii-microloans abaqhelekanga ngabanini bezoshishino base-US abanemithombo eninzi. Laba babolekayo bahlala bezisebenzisayo, banemali ephantsi, bahlala okanye bangaphantsi kwinqanaba lehlwempu, kwaye abanako ukufumana imboleko kumboleki wendabuko. Nangona kunjalo, banemiqondo emihle kunye nekhono lokuqhuba ishishini eliyimpumelelo, kwaye i-microlending inceda imfuno ebalulekileyo kubo. I-Microlending iyaqhubeka ikhula phesheya kwamanye amazwe kubabolekayo kwilizwe eziphuhlisayo, apho abahlwempuzekileyo abanako ukufikelela kwiibhanki kunye neemarike zingekho ngokwemthethweni kunase-United States.
Indlela yokuboleka
Ukuba ukhangele ukuboleka imali encinci yemali, thengisa phakathi kwabancinci kunye nababolekisi bemveli ukuba ubone apho ungayifumana. I-SBA ibonelela uluhlu lwemibutho ye-microlending yendawo ngurhulumente, eyindawo enkulu yokuqala.
Kuyafaneleka ukuba ukhangele ibhanki yakho yasekhaya okanye i- credit union , ababolekisi be-intanethi , kunye nababolekisi bamontanga anjengeprosper.com okanye iLendingClub.com malunga nokufaneleka kwakho ukuboleka kanye. Thelekisa yonke imiqathango phambi kokuba ukhethe umboleki.
Indlela yokuboleka
Ukuba unomdla wokuboleka imali kubasomashishini, ingaba ibhakala phantsi kwesitalato okanye umlimi ngaphesheya kwehlabathi, unamathuba amaninzi. Indlela elula yokubolekisa imali encinci yemali, nangona awuyi kuzuza nzala nayiphi na inzala, ikunye yeewebhu zokuqala ukukhupha i-microlending, i-Kiva.org. I-Kiva.org iyindlela yokwenza izandla, kodwa ukuba unqwenela ukubandakanyeka ngakumbi, cinga ababolekisi kwingingqi yakho, ngokuqala ngohlu lwe-SBA oluxhomekeke ngasentla.
I-Microlending ayikho nje ukwenza imali; ngoku malunga nokunceda abantu abafuna ukusebenza nzima kwaye badinga ukungena kumashishini athengisekayo. Ngeemeko ezibuhlungu zenzeka, nangona kunjalo unako ukulahlekelwa yimali xa ababoleka bengenakubuyiselwa imali yabo mboleko, ngoko ke ubole imali kuphela enokuyenza ngaphandle.