"Imali League": Izibuyekezo ikhasimende

Akubona bonke izinkinga zezimali zingaxazululwa ngosizo amabhange. Ngokwesibonelo, lapho udinga imali ngokushesha. Ezimweni ezinjalo zisiza kwezinhlangano ezingenzi yasebhange, isibonelo esiphawulekayo okungukufa MFo "League of imali." Izibuyekezo yomsebenzi wakhe kukhona impikiswano kunawo. Kodwa kuze njengoba sihambisana ngokoqobo? Yini empeleni kuyinto "Imali League"?

incazelo emfushane yenkampani

"Imali League" - inkampani young, njalo ethembisa, ukuhlinzeka amasevisi microcredit. It yasungulwa ngo-Ephreli 2014. Ngesikhathi esifanayo, MFI kwaba obhalisiwe futhi sabanika microloan kuqala. Ekuqaleni kwaba inkampani encane noma sinamakhono alinganiselwe futhi abasebenzi kancane. Ngemva kwesikhashana, "Imali League" (izibuyekezo ngale nkampani ingatholakala ngezansi) ikhule ibe real okudayisa inethiwekhi.

Okwamanje, le nkampani kabanzi amelwe izifunda of Russia 20. Kodwa lesi sibalo, ngokuvumelana abasunguli MFI, akuyona mkhawulo. Kuhleliwe ukuvula amahhovisi amasha angaphezu kuka-50 ekupheleni konyaka. Kungenzeka okugcwalisa izithembiso zakhe noma cha kunzima ukusho. Kodwa nakanjani kuyacaca ukuthi izifiso of yenkampani ngokoqobo nesichichimayo.

Yini amasevisi anikezwa?

"Imali League" (izibuyekezo lenhlangano kwesokunxele abasebenzisi, ngokwengxenye kuthinte idumela layo) inikeza ngamasevisi microcredit kubantu ngabanye nezinhlangano ezingokomthetho. Okwamanje, i-MFI inikeza amathathu izinhlelo ethandwa kakhulu:

• loan "Bronze";
• "Isiliva";
• "Igolide".

Zonke izinhlelo ezintathu kukhona injongo umthengi micro-loans eyakhishwa inani 10 000 no-50 000, okwesikhathi esingedluli amasonto 52. ukubolekisa okunjalo zikhishwa lwemali kazwelonke. Futhi usayizi ngesilinganiso 150.80-201.76% ngonyaka noma 0.42% ngosuku.

Izinketho ukuthola microloan

Uma kukhona isicelo ezokhulumela "Imali League" (izibuyekezo zamakhasimende siliqinisekise) ukunikela kukho okulandelayo ukuthola imali-mboleko yendlu:

• ngu evuma isamba semalimboleko ku-akhawunti yasebhange umuntu uyasho;
• ngu evuma isamba semalimboleko ekhadini ikhasimende;
• Ima ngokusebenzisa umlingani amabhange nezinye izinhlangano ezikhumulweni.

Ngamafuphi, ungakhetha noma iyiphi indlela evumelana.

Ukuthi amakhasimende ngathi amasevisi?

Ukuze uqonde ukuthi efanele ukusebenzisa abameleli inkampani, kwanele ukufunda izimpendulo. Mayelana "Imali League" ngokuvamile akhulunywa ngendlela enhle. Ngokwesibonelo, omunye MFI amaklayenti kugcwale umlomo ukuthi wanelisekile ngokugcwele izinga lenkonzo. Okunye ngentshiseko ukutshela base ngokushesha kangakanani ukwazi ukuthola imali-mboleko. Ngokusho kwabo, yonke wamaphepha kazithathanga ezingaphezu kuka imizuzu 10-15.

Ezinye ukukhuluma mayelana abaphathi eziwusizo futhi sibe nomusa abakhuluphele njalo uxhumene. Ngakho bavame ukusiza ukuthola amakhambi ezinkinga esiphuthumayo. Abanye bathi lula ukusebenza umphathi siqu. Ngokombono wabo, kulula kakhulu ukuthi zonke iklayenti usevikele ngemali yalo umsizi. Yiqiniso, kukhona unganeme inkonzo abantu emnyangweni othile bantule ukunakwa. Kodwa ngaso sonke ayizithokozisi wonke umuntu. Bangaki abantu, imicabango yabantu abaningi kangaka.

Ubani ongafaka ukuthola loan ku "Imali League"?

Kukholakala ukuthi MFIs ungakwazi ukubhekana ngamunye. Kodwa akunjalo. Njenganoma iyiphi inhlangano yezimali, LLC "Imali League" (izibuyekezo mayelana izinkampani zalolu hlobo zivame ezihlobene inombolo engaqondile) has imithetho yayo siqu for ababoleka ezingaba khona. Phakathi kwabo kukhona lokhu okulandelayo:

• yobudala ephakathi kwengu-18-75 ubudala;
• khona yisakhamuzi Russian;
• khona ukubhaliswa yokuba yisakhamuzi ngokugcwele;
• ukubhalisa unomphela endaweni lapho kukhona igatsha MFIs;
• khona evulekile akhawunti yasebhange noma ikhadi.

Ngaphezu kwalokho, ikhono umboleki non-banking isikhungo ubophekile ukuba obuphathekayo kule nkampani microfinance "Imali League". Izibuyekezo kule nkampani ukuvumela ukucabanga mayelana sína kangakanani ezifaneleke kokuhlaziywa kwamathenda amakhasimende. Ngokusho ababoleka kakhulu, abameleli MFIs ucelwa uchungechunge lwemibuzo, ngezinye izikhathi ukuhlola futhi yenza ukuhlolwa ezibukwayo amakhasimende ezingaba khona. Ekugcineni, lokhu kuvumela ukuba sinciphise izingozi ababoleka abonakele ukuhlangabezana.

izimo ngesikweletu, noma bathanda ababoleka?

ababoleka Abaningi abakwaziyo ukuba ixazulule izinkinga zabo zezimali ngokusebenzisa "Imali League", efana imigomo loan. Ngokusho kwabo, angabenza loan phezu iphasiphothi. Kulokhu, isicelo nganoma iyiphi indlela elula ngempela, isibonelo, ukuza uMnyango we MFI noma ngokusebenzisa ifomu okhethekile ligadeneg.ru site, shayela hotline: 8 (800) 234-67-67.

Ezinye ababoleka ka "Imali League" (Izibuyekezo zivame ukuhambisana incazelo eningiliziwe isimo) efana indlela ngamunye. Ngokusho kwabo, zonke izicelo ezibhekwa amaklayenti okunamandla imodi ngabanye. Futhi ngemva kokuvumela zabo by umboleki elilindele siqu isheduli loan nemibandela ekhethekile yenzelwe kuphela kuye.

Kanjani kunzima ukuthi asebenze "Imali League": abasebenzi Izibuyekezo

Ukuze ukuhlola ikhwalithi yomsebenzi, ngezinye izikhathi akwanele ukufunda kuphela abasebenzisi ukubuyekezwa. Kukholakala ukuthi kulesi simo isithombe uyophelela. Ngenxa yalokho, akukho ukuhlolwa efanele futhi adalule inkampani "Imali League". Izibuyekezo abasebenzi kulesi simo ukusiza ukuxazulula le nkinga futhi ukubonisa MFIs e yonke inkazimulo yayo.

Ngokwesibonelo, izisebenzi yangaphambili inkampani ngokuvamile ibonisa ukuthi isiyalo esiqinile. Bayakhononda mayelana zishesha kakhulu sekhefu nezimfuneko elawula for ukubhema abasebenzi. Abanye anjengomhlambi ukukhula okusheshayo career kanye khona indlela siqu amaklayenti ngamunye.

Ezinye zazo weneliseka imigomo microloans, okungukuthi ngesikhathi esifushane. Ngokusho kwabo, amakhasimende ezifana kulula ukulawula, ukutjheja kanye kungenzeka delinquencies yokukhokha. Yileyo indlela bathola abantu uke wasebenza noma basazama kule nkampani "Imali League". Impendulo evela abasebenzi, njengoba ubona, uxhumeke kwi-schedule yangaphakathi, izici of umbuso emisebenzi kanye nezinye izikhathi ukusebenza.

Umehluko wemisindo nemiqondo yamagama yokukhokha microloan e MFIs

Yenza izinkokhelo okuhleliwe we microloan akunzima. Ukuze wenze lokhu, yiya engxenyeni ethi "Landa" website yenkampani, ukhethe ithebhu bese ugcwalisa ifomu elifanele. Kufanele ucacise idatha elandelayo:

• inombolo inkontileka yemali;
• Igama eliphelele;
• Inani.

Khona-ke ngeke nje ukhethe indlela yokukhokha "Credit Card" futhi wenze inkokhelo.

Ingabe kuwusizo zisebenza "Imali League"?

Ngokwezazi ezithile amakhasimende ukuthatha imalimboleko ku "Imali League" elusizo kakhulu, uma ulandela uhlelo futhi ungaphuthelwa ngosuku lokukhokha. Ngokusho kwabanye, izinga kwezinhloso zenzuzo kuphezulu, ngoba akuzuzisi ukuba ingenzele incwadi loan isikhathi eside. Kanti abanye abathi okuphambene. Ngokusho kwabo, e izinga yenkampani kakhulu leliphasi kunaleyo yezinye MFIs.

Kuthiwani izinkokhelo sekwephuzile?

Kususelwa imithetho MFI, ebukhoneni yokukhokha sekwedlule isikhathi noma imisiwe umboleki kumele bakhokhe. Ubukhulu bayo ngokuvamile etheksthini yesivumelwano esikweletu kufike ku-20% ngonyaka kuwo wonke yokukhokha sekwedlule isikhathi noma cha wathola nhlobo amanani. Kweleti enqaba ukukhokha izikweletu, loan idili lakhe MFI ukudluliselwa besithathu ukuze eminye ukushaja. Nokho, lo muntu obolekayo unelungelo lokwenqabela ayemkweleta ukuze zisebenze besithathu, kulesi simo, nalabo abamele iqoqo ejensi. Ukuze wenze lokhu, kudingeka abhale isitatimende esingeziwe. Kwaba abasebenzi bakhe "Imali League" ngokuvamile unamathisele ifayela siqu umboleki. Kuyaphawuleka ukuthi zonke lolu lwazi lutholakala ku nesivumelwano sokubolekwa. Kodwa, njengoba umkhuba imibukiso, iningi lezakhamuzi uma nokufunda, ngokucophelela. Sinjani isimo ngempela?

Yini abasebenzisi bathini mayelana nesikweletu ku loan?

Ukuphendukela izikhungo microfinance, amakhasimende amaningi liziphathe ngendlela ehlaba umxhwele kakhulu. Futhi sonke ngoba MFI uyilungiselelo non-banking. Kodwa lo mbono unephutha, kusukela ngemva izinkokhelo ezimbalwa aphuthelwe yentshisekelo umboleki kanye nokuhlawuliswa.

Lapho esilinganayo yokungakhokhi ifinyelela umkhawulo othile, abamele "Imali League" bamane endabeni abathelisi nakwabangenangqondo. Futhi nabo, njengoba wazi, etingcocweni letimfisha. Yingakho iningi imibono engakhi mayelana IFIs, okuphathelene nomsebenzi izinkampani iqoqo. Ngokwesibonelo, abantu abangebona payers usitshele ukuthi abathelisi ukubiza futhi babemsongela ngocingo. Abanye babike inani izikweletu, yokudweba izindonga e emnyango upende. Abanye ukhulume umnyango ichithekile, okuyinto wazama ukungena ekhethekile ningqongqoza ukuphuma ezikweletini, njll

Yilokho munye akazange ngisho cabanga yokuthi nobunzima zonke zokuphila zingalungiswa ngu izindlela ezinokuthula, njengokusebenzisa ubatshela ukuba abamele MFIs. Lokho bangase sihlehlise izinkokhelo, ukuze uvumelane nanembuyiselo ngokwengxenye imalimboleko, ngisho ukunciphisa amazinga enzalo. Kodwa konke lokhu ngesikhathi enkingeni iklayenti sika, okuyinto lula ukuhlola ukufakazela.