Zvisinei, zvikwereti hazviuye nyore nyore kuvanhu vane chikwereti chakaipa.
Ikoko muU.S. uye mune dzimwe nzvimbo dzakawanda pasi rose, kunyanya munyika yechitatu-nyika, mari yakakweretwa kazhinji inouya nemari inowedzera inowanzofarira, inoramba ichingowedzera chikwereti chekubhadhara uye ichidzivirira kuti vanokwereta vasazobhadhara chikwereti chavo. Kune vanhu ava, microlending yakave yakagadzirirwa senzira yekuziva nezvemagariro evanhu kupa mari iyo vanokwereta inoda pamitengo yakawanda inodhura.
Chii chinonzi Microlending?
Microlending ndiyo tsika yekupa zvikwereti zviduku kune vanhu vari kushaiwa. Izvi zvikwereti zvinowanzoshandiswa nevashambadziri vari kutanga bhizinesi, kana avo vanoda mari yakawanda kuti vawedzere. Microlending yakasiyana neyekusimudzirwa kwayo, ukuru hwezvikwereti, uye vanhu vanobatanidzwa.
Kukurudzira: Vashandi vechikwereti vese vanowanzofunga nezvekuwana purogiramu , nekubhadhara chikwereti pamwe nemari inoshandiswa inobhadhara mari yavo. Microlenders vanowedzera kufarira mberi .
Vamwe vavo vanoda chaizvo kuwana purogiramu, asi chinangwa chikuru chiri kubatsira kukudziridza mabhizimisi emabhizimisi maduku avo vangadai vasina kukwereta. Microlending masangano anogonawo kupa zvekudzidzisa uye kudzidzisa, kudzidzisa vatengesi vacho kuti vagoita sei bhizimisi rinobudirira nemari yakakwana yekubhadhara chikwereti chavo, kusiyana nekumongokweretesa mari uye kubvumira chikwereti kuzvichengetera ivo pachavo.
Microlending yakatanga muna 1974 nemumwe murume, Muhammed Yunus, achiita chikwereti chiduku zvikuru kumukadzi weBangladesh aigara muurombo kuitira kuti aite uye atengese zvimedu zvesimbi kuti adye mhuri yake. Yakabva yakura kukura kuburikidza nemabanki akasiyana-siyana neasina mabhengi, munyika dzakawanda. Yakashandura basa rekubatsira munyika yechitatu-nyika uye, ine zvikwereti zvakanyanya zvekubhadhara chikwereti, yakaratidza kuti varombo vanoda ruoko rwakapfuura zvakawanda kupfuura ruoko-kunze.
Chiyero chechikwereti : Microloans, chokwadi kune zita ravo, dzimwe nguva shoma se $ 25, kunyange zvazvo inogona kuva yakakura zvikuru. Munzvimbo dzakawanda dzenyika, $ 25 kana $ 50 vanoenda kure uye vanogona kutenga kupiwa kwakanaka kwekutsvaga kune munhu anofarira anogona, pamwe nebasa rakaoma, kubereka chigadzirwa uye kuchinja purofiti.
Izwi rokuti "micro" rinoreva mune dzimwe nguva. Pano muUnited States, iyo Small Business Administration (SBA) inofunga chero pasi pe $ 50,000 ma microloan. Izvozvo zvakati, iyo SBA inoshuma kuti mavhareji avo evhareji ndeye $ 13,000. Vazhinji vanokweretesa vatsika havafariri vatengi vema microloan nekuti inodhura ivo zvikuru kuti vaongorore chikwereti chevakwereta uye vanonyora pasi zvikwereti zviduku zvebhizimisi, uye pane mikana shoma yokuti vawane purofiti.
Vanokwereta: Vanhu vanoshandisa microloan havasi ivo vemu US vhizinesi vane zvizhinji zvezvinhu. Vaya vakwereta vanowanzozvishanda, vane mari shoma shoma, vanorarama kana kuti vari pasi peurombo, uye havagoni kukweretesa chikwereti kubva kune chikwereti chetsika. Zvisinei, ivo vachiri nemafungiro akanaka uye kukwanisa kumhanya bhizinesi rakabudirira, uye microlending inoshusha chinodiwa chinokosha kwavari. Microlending inoramba ichikura kune dzimwe nyika kune vakwereta munyika dzichiri kusimukira, apo varombo vasina ruzivo rwebhangi nemisika haisi yakarongeka kupfuura yeUnited States.
Nzira Yokukwereta Sei?
Kana uri kutarisira kukwereta mari shoma, tenga pakati pe microlenders uye vatenzi vemazuva ano kuti uone kuti unogona kuwana kupi zvakanakisisa kugadzirisa. I-SBA inopa urongwa hwemasangano emagrolending epo nehurumende, iyo inzvimbo yakanaka kutanga.
Zvakakoshawo kutarisa nebhenji rako rekuno kana chikwereti chekodhi , vatengesi vepaIndaneti , uye vezera-kune-peer vatengesi seProsper.com kana LendingClub.com pamusoro pekukodzerwa kwako kukwereta zvakare. Enzanisa zvose zvemashoko usati wasarudza chikwereti.
Nzira Yokugadzirisa Sei
Kana iwe uchida kukweretesa mari kuvashambadziri, ingave bhabheri pasi pemugwagwa kana murimi kune rumwe rutivi rwepasi, une mikana yakawanda. Nzira iri nyore yekukweretesa mari shoma shoma, kunyange iwe usingakwanisi kuwana chikwereti chipi nechipi, ndeimwe yezvinyorwa zvekutanga kutanga kuwedzera microlending, Kiva.org. Kiva.org ndiyo nzira yekuisa maoko, asi kana iwe uchida kuwana zvakawanda, tsvaga vatengesi munharaunda yako, kutanga neSBA yakabatanidzwa nepamusoro.
Microlending haisi kungoita mari; ndezvekubatsira vanhu vanoda kushanda zvakaoma uye vanoda ruzivo rwekutengesa mabhizinesi makuru. Mune nhamo mamiriro ezvinhu anoitika, kunyange zvakadaro, uye iwe unogona kurasikirwa nemari kana vakwereti vasingagoni kubhadhara zvikwereti zvavo, saka ingokweretesa mari yaunogona chaizvo kuita kunze.