Inhlangano "Inzuzo Alliance": libuyekeza emabhange

Imakethe amasevisi microfinance manje athuthukiswe kakhulu ngokwanele - abantu abaningi njalo ingenzele loans ezincane imali ukuthengwa zikagesi zasendlini encane, ukukhokhela ezinye izindleko esiphuthumayo kanye nezinye izinto, azibuyisele nge Iholo wakho olandelayo.

Ngakwelinye ihlangothi, izinkampani ukuhlinzeka ukubolekisa ezinjalo, aluka izimali, edonsa ezifakwa zabanye abantu, okwenezela iphothifoliyo yayo zezimali.

Namuhla esinitshela ukhuluma ngesinye salezo izikhungo microfinance wahlanganyela ngokwamukela imali kanye elikhiphe sokubolekwayo. yena "Inzuzo Alliance" libizwa. Izibuyekezo emabhange ehhovisini, kanye nolwazi jikelele imisebenzi inkampani kusukela Inthanethi azonikezwa lesi sihloko.

izici Jikelele

Lena isikhungo microfinance (ngemuva kwalokhu sikubiza encishisiwe MFI) yilona hlaka ejwayelekile inzuzo ngemali. Njengoba sekuphawuliwe kakade, kuthatha imali abanye wasinikeza kwabanye. Yini kuyathakazelisa yilona eliphezulu lenzalo, okuyinto ibalwa imali. Lokhu isivele ngokwako akukwazi ukuheha abantu abafuna ukwenza imali lokutshala izimali zabo.

Ngaphezu kwalokho, inkampani esebenzisa amathuluzi amaningana ukumaketha - ihlobise indawo ngosizo ugqozi izithombe amahle, ukubhala phansi yonke imininingwane mayelana eside ukusebenza kwawo ngempumelelo nokunye. Nakuba uma ufuna iyiphi isivakashi kusayithi uyakwazi ukubona abanye amaphutha umsebenzi "Inzuzo Alliance". Izibuyekezo zimali, siphawula uze uthathe.

Iminyaka yomsebenzi kanye imibhalo

Esikhathini "engaphansi" isayithi ubonisa ukuthi inkampani abesebenza kusukela 2011. Ngezinye ekhasini elilodwa "ngathi" alotshiwe ngokucacile ngonyaka - 2013th. Yingaleso sikhathi lapho kwaba MFIs kusolakala based. Ukuze liqinise nomfanekiso waso esisencwadini emehlweni zimali, emakhasini isayithi ungathola isitifiketi futhi isitifiketi sokubhalisa imisebenzi webhizinisi, kanye eziningi nezinye imibhalo. Nokho, uma sikhuluma ngokukhethekile mayelana nenkampani "Inzuzo Alliance" (impendulo futhi ukucindezeleka), kukhona kuphela ezimbili idokhumenti eziphathelene - lolu isitifiketi sokubhaliswa kwe-esemthethweni, kanye nokwethulwa kwemininingwane yenkampani kwirejista izinhlangano microfinance. Okungukuthi, abangabantwana nezinye iphepha ukuskenwa ezihlobene nezinye abathintekayo (lokhu "Centre of ngezimali zikahulumeni" futhi PDA "Eurocapital").

Holdings

Umnikelo isihlobo inkampani "Inzuzo Alliance" (kobufakazi kulabo abaye ephethwe ukwenza ngokuvumelana nayo, sizokunikeza kancane ngaphezulu) ukwaziswa okwengeziwe hhayi wachazela. ulwazi olujwayelekile kuphela ingatholakala kwi-website ukuthi izimali bakhangwa labantu ezisukela ayizinkulungwane 30 ruble angu-5. Kungakhathaliseki ukuthi lingakanani idiphozi ke lizokhokhiswa 120 per cent ngonyaka (noma 10% ngenyanga). Njengoba kulotshiwe ekhasini elilodwa, ukukhokha inzalo phezu umnikelo owenziwe ngenyanga. Ngokuphathelene isikhathi izimali zenziwa, kungaba kusuka 3 kuya 12 izinyanga.

Buqamama kusayithi uchaza "izinzuzo" ahlukahlukene ngokweqile uma utshala imali enjalo. Lezi "Inzuzo Alliance" (inkampani zezimali libuyekeza mayelana nokuthi iziphi izinhlelo eziningi kangaka unesithakazelo emabhange) zihlanganisa evulekile, inzuzo okusezingeni eliphezulu, lizinga nokwethenjelwa, inkonzo izinga, ikhasimende orientation, nezinto ezifana nalokho.

Ukuze ukutshala, kudingeka ucele enye yezinombolo ezisohlwini kwesigaba "Contact Us" kwisayithi, bese ushayela ehhovisi alethe imali. Konke lokhu kwenziwa njengoba kuboniswa abameleli inkampani, ngokushesha futhi kalula.

nokubonga

Ngaphandle ukhulisa izimali bezimali MFI "Inzuzo Alliance" (izibuyekezo kancane okunye) nawo uhilelekile kule Ukukhishwa sokubolekwayo. Kuvamise microloans ejwayelekile okuhloswe ngaso izikweletu ezincane, ukuthenga ezinye kubalulekile, kodwa izinto engabizi, ukudla ukuba amaholo amasha nokunye.

Ngokusho ulwazi kwi website esemthethweni, esimweni imoto njengoba eseduze okweletayo unelungelo ukukhipha loan in inani ruble 10 kuya kwezingu-50 isikhathi unyaka 1. Kulokhu, lo muntu obolekayo ubophekile ukuba afeze izinkokhelo maviki onke loan. Ngokuphathelene zenzalo, isethwe ku-2 per cent ngosuku.

Izisebenzi zale nkampani athembisa ukuthi inqubo ukukhokhelwa ulula futhi yikhona okuthatha indawo esikhathini esifishane. Kumelwe ubize elinye lamahhovisi, ukuza futhi uxoxe bukhoma, ukuhambisa imibhalo nenani eseduze komhiaba ukuthola lemali oyifunayo.

kuvikela

Njengoba kuphawulwe ngenhla, inkampani ishicilela yayo imibhalo yokubhalisa okubonisa inqubo, ukusungulwa kanye entry encwadini okubhalwa kuyo Russian MFIs. "Inzuzo Alliance" (Petersburg liyisikhungo yesibili, lapho ihhovisi zabo ivulekile, ngemva eMoscow) futhi kuqinisekisa ukuthi yonke imali uzobe oVikelwe kule nkampani, "Loyd City". Ngo isiqinisekiso le zimali uthola umshwalense, okusho ukuthi 100% we idiphozi zizobuyiselwa kunoma isiphi isimo.

Ngokusho ejenti yenkampani siqu, kusivumela ukukhuluma mayelana ukungabi khona ingozi abatshalizimali futhi inzuzo yonke kuthengiselana iyonke. Nokho, waphinda, ukuze siqiniseke ukuthi uyobanika kwesokunxele "Inzuzo Alliance" libuyekeza emabhange, oyoba ukukhombisa yini lokho.

Kungani bebaningi kangaka

On website MFI has a isigaba equkethe izimpendulo zemibuzo ezivamile. Omunye wabo lokhu okulandelayo: "Kungani uzikhokhela okuningi kangaka?". Ngesikhathi esifanayo, yebo, okusho amaphesenti 120 rate, okuyinto zikhokhelwe depositor ngoba ngonyaka ukusetshenziswa kwezimali. Kuba ngempela ngempela okuningi - ngisho izinkundla ezahlukene mayelana "Inzuzo Alliance" libuyekeza abanikeli zisikisela ukuthi njengoba inhlangano osolisayo inzuzo kakhulu. Ikakhulukazi uma ucabangela iqiniso lokuthi yonke imali insured.

Indlela ukuchaza leli qiniso ngabasebenzi bakwa - yonke into e iphesenti eliphezulu kakhulu imali ukuthi ababoleka ukukhokha. Ngempela, cent 2 ngamunye ukusetshenziswa ngosuku - mayelana 720% ngonyaka. Lena omningi ngempela inzuzo. Kodwa ezichaza 120% izinga akunakwenzeka, njengoba abolekise uthela ukumaketha izindleko ukuheha ababoleka, kanye nezindleko kwabo engozini ngoba nje uma okuzenzakalelayo loan. Abantu owaqala ngenkuthalo ufunde imininingwane yenkampani, kwakukhona ngisho inguqulo kule ndaba.

Izibuyekezo kwekhasimende

Abatshalizimali ikakhulukazi ngokuqiniseka ngokuthi inkampani zokukhwabanisa "Inzuzo Alliance". "Microfinance inhlangano" - nje ikhava elula mbhoshongo zezimali, okuyinto ethatha imali abanye abantu futhi okhokhela elinye, ukudala ukubukeka umsebenzi. Umgomo we operation kuyafana kanjani ukusebenza ngesikhathi esifanele MMM ziyaphawuleka, siyibuka ngelinye iso kuphela.

abanikeli lezivakashi ukubalula ukuthi izinkampani ezifana avele yonke indawo. Baqasha amahhovisi, ukuqasha abasebenzi abaphathi, smiling ubhala izindaba ezithakazelisayo mayelana nomsebenzi wabo kwi website esemthethweni. Kodwa ke akuyona iza.

Njengoba ojwayelekile, wena ukuqoqa ethile, bamane Umise izinkokhelo futhi "ukoma" njalo aphuthe zimali ubuyophazamiseka. Futhi ababoleka, inkampani cishe ngeke, ngoba lokhu isilinganiso, ngisho nokuphepha imoto ukukopela okumsulwa.

Futhi elinye iphuzu ezithakazelisayo, okhombisa impendulo nabanikeli. Isayithi liqukethe ulwazi ngalokho inkampani ngeke ikhokhe egameni "Inzuzo Alliance", kuyilapho uyaziqaphela OOO "Centre of ngezimali zomphakathi." Ngakho, ukuze ufakazele ukuthi ayethwele imali ehhovisi kuqala, ngeke - ngokuvumelana imibhalo zingabantu izinhlangano ezingokomthetho ehluke ngokuphelele ezimbili.

Impendulo evela abasebenzi

Ngeshwa, sisebenzisa search kwi-inthanethi, asizange wakwazi ukuthola "Inzuzo Alliance" lobuya abasebenzi. Mhlawumbe, isizathu siwukuthi isimo owesincane inkampani, ehlanganisa abantu eziningana. Kungenzeka, usebenze namaklayenti ukubhekana ngqo abanikazi inkampani, ngaphandle ezihilela abasebenzi ezengeziwe.

Ngandlela-thile, kodwa ufeza sobala lokususa bayasethemba MFI.

Isiphetho jikelele

Yini ubhala kube isiphetho mayelana le nhlangano? Kanti inikeza izimo ngokucacile ezikhangayo kakhulu ukuze ngokusobala ukuheha abatshalizimali. Ngesikhathi esifanayo ngakho impendulo bese bengazinaki kangako ingxenye ababoleka, azikho izincomo kusukela abasebenzi kanye amazwana umbuzo abangafaka imali emabhizinisini abo abanentshisekelo ukuthi uhlobo ibhizinisi inzuzo owayengase akwazi isithakazelo crazy enjalo.

Iphuzu lesibili - iyona nokwehlukaniswa izinhlangano ezingokomthetho eziningana, okusikisela ukuthi konke kwenziwa ngenhloso. Kungenzeka khona izinhlangano ezingokomthetho eziningana amanga umkhondo kanjani ohlelweni senkohliso emabhange.

Njengoba izincomo zabanye zimali, kungcono badlule yinkampani. Isivuno 120% ngonyaka - kumane engenangqondo. Uma uqhathanisa le nhlangano ukuba omunye inzuzo kakhulu embonini, bangakwazi sathembisa okungu-20% ngonyaka. Umehluko palpable.