MFO "Kashalot Finance": mhinduro. Mari yekukurumidza mari

Masangano emadhora emari akaberekerwa muRussia mumavambo ekuma 1990. Muzana remakore rapfuura, vaifarira zvishoma kuduku. Mu "mahwanda ekudzvara" makambani ekubhadhara mari yakawanda kusvikira muna 2010, apo mutemo wakapedzisira wagamuchirwa nehurumende yezvematongerwo enyika, zvichibvumira kutonga ukama huri pakati pemasangano anopa rubatsiro mumunda wekushandiswa kwemari uye huwandu hwevanhu.

Chii chinonzi MFI, uye chii chinodya?

MFIs masangano emari anopa zvikwereti zviduku kuvanhu. Tiri kutaura nezvediki mari yakabhadhara chikwereti chakapiwa kune imwe nguva, pamwe nekudzoka kwechido chekuda kushandiswa kwekushandisa. Nguva yekudzoka inobva kune zvishoma mazuva mashanu kusvika pagore. Asi nguva inonyanya kuzivikanwa iyo vanhu vanobhadhara chikwereti iri mwedzi.

Nhoroondo yechitarisiko

Gore rokuberekwa kwemari midzi munyika yose muna 1976, apo bhangi "Grameen" rakagadzwa naProfesa Mohammed Yunus. Akakosha pakupa zvikwereti zvidiki kuvarombo veBangladesh.

Kare kare gare gare, mabasa akadaro se microclouders uye microinsurance yakawedzerwa kune avo varipo. Iyi rubatsiro rwemari yakagadzirirwa vanhu vane mari shoma. Kusvika iye zvino, kune mamiriyoni gumi emari masangano ekubhadhara mari pasi pose kuti kushumira vanhu vanopfuura mamiriyoni makumi maviri munyika yechitatu yepasi uye munyika dziri kusimukira.

Kusiyana pakati peMFIs nemabhangi

Kusiyana kukuru pakati peMFI nebhangi ndeyekuvimbika kune avo vanogona kukwereta. Kune zvikwereti zvemari midzi, mari yekwereti yekwereti haisi dambudziko, asi kune mabhangi, pfungwa iyi inokosha zvikuru. Kubhadhara zvikwereti kune MFIs kunoitwa nemapoka evanhu - vadzidzi, pensioners, vagari vasina ruzivo vagari venyika uye kunyange avo vasina chinhu chekusimbisa mari yavo.

Mabhandi neeMFIs havakwikwi makambani. Izvi ndizvo zvinowedzera zvivako - zvigadzirwa zvemabhangi uye maMFIs zvakasiyana kubva kune mumwe. Mabhangi anopa zvikwereti zvemazuva mazhinji uye zvakanyanya kusarudzwa kufarira, uye MFIs - madhinari emari mashoma uye kwenguva pfupi.

Mutengo wekufarira kushandiswa

Zvichipa kuti kubhadhara zvikwereti zvemari, chero zvikwereti zvekwereti zvinoratidzirwa pangozi, inoedza kufanoona izvi zvisati zvaitika. Kuti kuderedzwa kurasikirwa kwemari, MFIs inokonzera ngozi yavo kune chikwereti kune chikwereti.

Nhamba yemari yezuva nezuva ye microcredit inosvika 2%, uye inowanikwa gore negore, yekutengesa, 730%. Vagari venhema, sekutonga, mukukurukurirana kwavo vanoita izvi. Asi muhuwandu inofanirwa kuyeukwa kuti nguva iyo chikwereti chakatorwa ndechekuti, semitemo, inenge mwedzi. Chinangwa chikuru chechikwereti ndechekuchengetedza kusvikira mari inotevera inowanikwa, kuitira kuti kufarira kuishandisa kusingaoneki kwakanyanya.

Nzira yekushandisa

Kubudisa chikumbiro chiri nyore kwazvo. Zvakakwana kuzadza chikumbiro muhofisi yeMFI. Yakabudiswa ma microloans pasina cheki. Kuti uwane chikwereti, haudi chero guarantors, hapana urongwa hwekuchengetedza, kana kuunganidza kweimwe mapepa emagwaro.

Mhinduro kune chikumbiro chekubudiswa kwemari inouya nokukurumidza zvikuru: maminitsi gumi nemashanu chete ekumirira. Pakarepo mushure mokuita chisarudzo chakanaka pamusoro pekushandira chikwereti, mari inopiwa mumaoko.

Nzira yekuwana ma microloan pasina kusiya imba yako

Kuwedzera kwechido chema microloan zuva rega rega kunotungamirira kubuda kwemazana emasangano matsva mukubhadhara mari. Uye kuitira kuti vararame mumamiriro ezvinhu epanguva ino ekukwikwidza kunotyisa, makambani anofanirwa kushandura kune maitiro matsva.

Kukwezva vamwe vateresi muzvikwata zvavo, masangano emari anopa mazano anopa kunyaradzwa uye nyore kushandiswa. Semuenzaniso, pane zvikwereti zvemari zvingabhadhara zvinogona kubhadhara chikwereti chakatarisana neawa. Iye zvino haufaniri kumirira imwe nguva yekambani inotanga - pakarepo apo pane chidimbu chemari, iwe unogona kushanda pakarepo.

Uyewo, masangano anoita mabasa avo ari paIndaneti ari kuwedzera kukura. Kuti uwane chikwereti kubva kune kambani yakadaro, zvakakwana kuzadza shanduro yepaIndaneti pane webhudhiro yepamutemo kana webasa rekushandira uye omirira mhinduro. Mushure memaminetsi gumi nemaminitsi makumi maviri nemashanu, zvichave zvakagadzirira. Nechisarudzo chakanaka, mari yezvikwereti inogona kuendeswa kune kadhi kana kambani, kubvisa chikwereti kuburikidza nehurongwa hwemagetsi (somuenzaniso, "Yandex.Money"), kana kushandisa shanduro yekanguva.

Sezvo vaongorori vezvemari vanofanotaura, mamiriro ezvinhu epanguva yeMFIs pasi pose ane zvakakwana zvakakosha mune zvehupfumi, uye munguva inenge ichingowedzera.

Nzira yekusarudza kambani yakarurama

Pakati peMFO dzakawanda "Kashalot Finance", ane mazano atinopa munyaya ino, ine pachena uye inobatsira mazwi kune akwereta.

Sangano rekusungirirwa kwemari Kashalot Finance isangano rezvikwereti makumi matatu nezvikwereti zvakagadzirira uye zvakagadzirira kugamuchira nekugadzira chirongwa chekubhadhara chikwereti nguva yose. MFIs dzinonyanya kuzivikanwa muboka iri ndeye Mayak, Union Finance uye Leader.

Iripo pane kambani "Kashalot Finance" kuongororwa pamitemo yechikwereti kunojekesa kuti yakasiyana nezvinodiwa zve:

1. Iyo kambani inogadziriswa nekushandira kwenguva yakareba pamwe chete nevatengi (kupfuura gore).
2. MFO Kashalot Mari, pazadza chikumbiro chemari pane webhusaiti yepamutemo, pakarepo anotumira chikumbiro chechikwereti kumakambani ose ari muboka.

Zvose izvi zvinoitwa nemvumo yakanyorwa yemutengi. Pashure pemaawa mashomanana, kana zvichida maminitsi, zvichienderana nebasa revashandi, foni ichagamuchirwa kubva kune kambani, ichizivisa nezvechisarudzo.

Ndekupi uye kune ani kuti ushandise

Zviri nyore kwazvo kushanda panzvimbo ino. Pasi peji peji pane sarudzo yekuzadzisa sarudzo, umo iwe unofanirwa kutsanangurira dhenda yekare: gender, age, zita, uye foni yemhinduro. Kunyange zvazvo chikumbiro ichi chiri kuongororwa, unogona kuverenga pane peji "Kashalot Finance" kuongororwa kubva kune vanhu vakatoshandisa zvese zvekambani iyi.

MIFIs, kuburikidza nokushandiswa kwezvinhu zvitsva mubasa ravo, zvakabatanidzwa pakukweretesa kwevanhu vanopfuura 25 000. Uye iyi haisi muganhu!

Tora chikwereti kubva kuKashalot Finance Kwete zvakaoma. Kutanga chikamu chemabhuru 1000, uye kunopedza mabhiriki zana zana. Kudzorera mari kunogona kuva muvhiki kana nguva yakareba - mushure memazuva mashanu. Hapana matambudziko, akadai seine guarantors kana kupa zvinyorwa zvemabasa. Ndiyo chete rugwaro rwemugari weRussian Federation. Makomba ane "akaurayiwa" chikwereti chenhoroondo ane chivimbo chinopfuura 90% chekuti vachatora chikwereti mu "Kashalot Finance". Chido chekushandisa chiedza: kubva ku 0.5% zuva nezuva.

Pakuzadza chigadziro, muteresi anopa mvumo yakakwana yekugadziriswa kwezvinyorwa zvake, kuti ave nechokwadi chekuvimbika kwemashoko akapiwa kwaari uye kubvumira kushanda kuRCB, uye kuziva kuti zvinokweretwa zvikwereti zvikwereti.

Ndiani achawana chikwereti uye mutemo wayo wokudzoka

Iko kunofanirwa kugadzirirwa kuti mune dzimwe nguva, MFIs inogona kuwedzerwawo kukumbira mavhesi anotevera:

• Kana iripo - reisensi yekufambisa kana imwe pasipoti yekunze;
• SNILS;
• Bhiketi yebhangi yemari yemari yemunhu akwereta kana nenzira ye 2-NDFL.

Kubhadhara chikwereti, uyo anenge ari muchengeti anofanira kufanirwa nenzira mbiri: ave muzera kubva pamakore 18 kusvika kune makumi manomwe uye ave mugari weRussia.

Kune zvikamu zvakasiyana zvevagari vemo vanoshandisa maMFIs, pane mamwe mapurogiramu anoita kuti zvive nyore kusarudza chikwereti chinonyanya kusununguka nemashandisirwo ekubhadhara zvakakwana. Muzviitiko zvekurohwazve, vanokwereta vanogona kuvimbiswa nemamiriro ezvinhu anotevera anonakidza.

Kudzoka kwemari kuKashalot Mari kunogona kusiyana. Izvi zvinogona kuva chebhadharo yevhiki nevhiki yekubhadhara zvakaenzana, kusvikira kuguma kwechitsanangurwa chechibvumirano. Kana, pazuva rokupedzisira, mari inokweretwa inofanira kudzorerwa, nechinangwa chekuishandisa.

Mutengi anopiwa kodzero yekuzvisarudzira kusarudza nzira yekudzoka uye nzira dzaachazoita nayo. Mari inogona kuendeswa kuburikidza nekadhi, kambani, magetsi emagetsi uye dzimwe nzira dzekunyora.

Mushure mekuverenga pamusoro pe "Kashalot Finance" uchapupu hwevatengi, unogona kusvika pakugumisa kuti mhedziso chete yekambani - nzvimbo dzisingabvumirano. Mune mamwe mazwi, vagari vemo chete mune dzimwe nzvimbo dzenyika vanogona kukwereta mari kubva kune kambani.

Kana iri munyaya ino, hapana mhinduro dzemibvunzo yose, iwe unogona kugara uchidana mu "Kashalot Finance" (foni yakanyorwa pane webhusaiti yepamutemo yekambani) kana kuraira mutambi wekudzoka uyo anogona kugutsa zvizere chido chako.

Kushandisa masangano eMFIs kana kwete iyo nyaya yega yega yega. Asi usakanganwa pamusoro peshoko rokuti iwe unotora mumwe munhu uye kwete kwenguva yakareba, asi zvino unofanira kugovana newe pachako uye nokusingaperi.