"RosDengi": ukubuyekezwa. "RosDengi" - MFI

Imisebenzi kwezikhungo microfinance eRussia ihloselwe ukunikeza usizo esiphuthumayo sezimali izakhamuzi Russian kohlaka okulinganiselwe imali isikhathi esifushane. Njengoba ojwayelekile, isicelo microloan e MFIs musa bounce njengoba okusezingeni eliphezulu lenzalo offset ngokuphelele ukubambezeleka esingalindelekile ubhekene nenkinga yezimali. Omunye walawo masevisi iyinkampani credit "RosDengi". Izibuyekezo Customer abonisa elingenazinkinga Ukukhishwa ukubolekisa yesikhashana, futhi ethembekile kwaze kwaba izimo evumela izakhamuzi ukubhalisa loan micro nge umlando omubi wokukweleta.

Siyini sikhungo microfinance

Igama elithi "microfinance isakhiwo" Uvele Kwimakethe zezimali isikhathi eside. I MFI wokuqala yasungulwa ngo-1944. Ngaleso sikhathi, inzuzo microcredit ababoleka nohlolwe futhi wamukela emphakathini. Kuze kube manje, izikhungo microfinance ukusebenzisa iningi labantu. Ngokusho MFI ebhukwini, okuyinto ihlelwe yi-Ministry of Finance, lezi zinhlangano, kunezinguqulo ezingaba ngu-350. Amasevisi microcredit basesimweni sigaba sokukhula ngomfutho, futhi kuze kube sekupheleni konyaka inombolo yabo angavuka 450.

Izinga eliphezulu funa phakathi izakhamuzi Russian wemigomo nemibandela abaqotho yokubhalisa loan futhi ithuba ukuthatha loan eside ngaphandle ukubhekisela engenayo kanye ukuheha yisiboniso. Ngokuvamile, microcredit Kwenziwa kwimodi online, okusho ngaphandle isidingo mathupha uvakashele ihhovisi. Ngakho-ke, base iklayenti ye MFIs njalo uyanda nabasebenzisi entsha, okuyinto kwakha mncintiswano enempilo nemalimboleko izikhungo ezinkulu yasebhange.

Inkulumo efanayo ebhange loans short-term

Bobabili izinhlobo loans ukuthola izimali ezibolekwe ngcono isimo sezimali kanye nekhambi zezinkinga esiphuthumayo ngokwezimali. Ngemva kokuthola imali umboleki has inhlangano izibopho ezithile izikweletu ukuthi unakho ukwenza emva umnqamulajuqu. Isikhathi imali ethile inkontileka. Kanye nenani avelele izikweletu iklayenti ubophekile ukuba ukhokhe senzalo engaguquki icala ukusetshenziswa kwemali.

ekweletwa ebhange noma MFI kungaholela emiphumeleni engathí sina, kuze babe necala lobugebengu. Accrual yenhlawulo nesithakazelo inani izikweletu futhi esivamile zombili izinhlobo obolekisayo. Ungacabangi ukuthi microfinance nge uhlelo nje umklamo walo lula umbono wokuthatha obolekisayo. Kanye nezikhungo ezinkulu zezimali, MFIs ukuthatha izinyathelo bese sikhokhisa izikweletu kusukela umboleki ngendlela efanayo njengoba amabhange.

Loan noma microloan - yini umehluko?

Ngokusho ababoleka yayo, esikweletu micro-credit buhluke kakhulu nomunye.

• Kwasekuqaleni, ukukhipha microloans ngesikhathi MFI kuba lula futhi ngokushesha kunokuba yibhange imali. Ibhange sizohlola ngokucophelela ubuntu wekhasimende, ikhono ukukhokha, futhi, njengoba umthetho, 50% kwezicelo bayalahlwa. Microfinance izakhiwo abaqotho kakhulu kumakhasimende abo futhi ngikhiphe inkongozelo, ngisho nokuba khona umlando omubi wokukweleta. 9 kwezingu-10 zokusebenza evunyiwe inkonzo credit.
• Usayizi lemali loan ebhange izikhathi eziningi lemali kungenzeka microloan. MFI amaklayenti kungukuthi ekhishwe ruble ezingaphezu kuka-30 000, futhi ibhange uyakwazi njengokukwethembisa kwakhe, utsheleke abantu izigidi.
• Ukuvuthwa esikweletini loan kuyinto eminyakeni embalwa. loan Micro bayobuyela ngesikhathi esifushane. Njengoba kufakazelwa ukubuyekezwa, "RosDengi" idinga ababoleka imbuyiselo ezinsukwini ezingu-17.
• Ukuze isikweletu kufanele ukuqoqa iphakethe voluminous kwemibhalo: iphasipoti, inombolo abakhokhi bentela ukuhlonza, isitifiketi sokuqashwa, isitifiketi imali Isilinganiso sanyanga zonke, umshuwalense wezempilo, isitifiketi yempesheni, ikhadi kamazisi yasebusosheni, amadokhumenti, impahla noma izimoto, njll Microcredit ikhishwa kuphela passport we isakhamuzi Russian Federation .. .
• Ikhiphe credit kungaba egatsheni ebhange. Microfinance Kwenziwa ngokudlulisela imali eceliwe ekhadini yasebhange yekhasimende. ungubani lo muntu obolekayo iyenziwa ku ikhophi ukuskenwa we iphasiphothi.
• Iningi izikhungo ezinkulu yasebhange ukunikeza loan izinsuku 5-7 kusukela ngosuku kulethwa isicelo. Ukuthola imali ebolekiswayo eside kungaba emuva ngosuku olufanayo.
• microcredit Lokuphakathi eside kungenzeka nganoma isiphi isikhathi sosuku njengoba amasevisi ngesikweletu usebenza ubusuku nemini. Loan ukucutshungulwa wenziwa khona ebhange futhi ngamahora okusebenza kuphela.

Zenzalo ka MFIs: izinganekwane ngokoqobo

Phakathi okwashiwo labo abasebenzisa usizo ezikhungweni microfinance, njengokuthi "RosDengi" izibuyekezo mayelana amazinga intshisekelo e uhlamvu kwansuku zonke. Lonyaka senzalo emalini ebolekwe impela high ngokuya zezinombolo kanye ngokuziqhathanisa nebhange ezezimali amacala, akuyona inzuzo. Le nkampani isungule ezihleliwe senzalo ka-2% wezindleko isamba semalimboleko ngosuku. Okungukuthi, ngalunye usuku ukusetshenziswa imali umboleki kumele akhokhe inhlangano ingxenye izimali. I umncane eside loan, uma incane imali uzobe overpaid.

Nokho, uma sihlaziya futhi uqhathanise yonyaka zenzalo emabhange kanye MFIs, kuvela ukuthi kukhona nhlobo umehluko. Izinga High siphelile inxephezelwa ngezithukuthuku abolekise yesikhathi esifushane neyezinto elincane lemali mboleko. ukubolekisa yasebhange okusheshayo izikhungo zezimali ekhishwe ngalo lolo suku, ube lokuthenga ngesikweletu futhi inzalo hhayi ephansi kakhulu kunalokho micro-ayeyiboleke MFIs. Amazwana mayelana nenkampani "RosDengi" iphuzu yokuthi ukuboleka imali onecala iholo nobe kwempesheni namaqiniso njengoba akhokhe inzalo phezu loan. Kodwa ungakhohlwa ukuthi uma kwenzeka buyiselo ngasekupheleni ezikweletini ukuze lo muntu obolekayo nsuku incur isithakazelo ngesilinganiso sika-2% isamba semali esele.

RosDengi: Izibuyekezo ikhasimende

Le nkampani ngokukhethekile ukuhlinzeka eside microloans ukuba izakhamuzi zaseRussia futhi inikeza usizo lwezimali lokusiza ngosuku olufanayo. MFI "Izibuyekezo RosDengi 'imisebenzi okuyinto kungaqinisekiswa ngokuthola kwayo phakathi ababoleka, yasungulwa ngo-2010 eSt. Namuhla-ke yiyona ehamba phambili federal microfinance inethiwekhi amelwe 33 izifunda zezwe futhi amahhovisi mayelana 300. Ngokusebenzisa imisebenzi abasebenzi yenkampani, ngaphezu kwesigidi abantu kakade wathola ukusekela ngokwezimali eziphuthumayo ezivela "RosDengi". Izibuyekezo abasebenzi MFI elichaza inkampani kuphela ohlangothini oluhle. Abasebenzi siqhubeke sijabule ukukhonza amakhasimende.

Okuqukethwe imalimboleko gama "RosDengah" unika ithuba zonke izakhamuzi omdala Russia abanale imali ekahle. Uthembekile imigomo abekelwe yona yokubhaliswa ivumela inkampani ngokuqhubekayo ukwandisa amakhasimende base futhi ngaleyo ndlela uhlinzeke izinhlelo isevisi ngabanye amakhasimende efakazelwe.

NeMibandela ukuthola microloan

Inkampani "RosDengi" inikeza ithuba ngokushesha ukuthola imali ngaphandle izitifiketi imali, futhi ngaphandle ukubandakanywa guarantors futhi eseduze ketshezi. Okuqukethwe microloan kungaba ngaphansi kwale mibandela:

• loan ekhishwe ngesilinganiso ruble kusuka 1 000 kuya ku-30 000;
• esiphezulu loan eside - kusuka 7 kuya ezinsukwini 17;
• isilinganiso senzalo kuyinto 2% ngelanga wezindleko.

Ukuba micro-credit futhi ayikwazanga esifike ukwenza Inani eliphelele izikweletu, umboleki unelungelo ukusebenzisa isandiso inkonzo loan ayakhokhela inzalo kuphela inani langempela imalimboleko okunikeze inkampani "RosDengi". Izibuyekezo amaklayenti eminingi ukhombe lula le sevisi ngenxa i-force majeure sonke sibhekana.

akhokhe ngesikhathi ku short-term loan iziqinisekiso kumakhasimende nge abampofu Umlando wokukhokha kwemali ithuba ngcono. Ngokwezibalo, iningi delinquencies emalini ebolekwe iphutha kungephutha umboleki. Kungaba okungazelelwe ukugula noma oholelwayo ukubambezeleka ngenxa umphathi iphutha. Ngakho-ke, i-CI omubi ungethele elibanzi elichaza umuntu njengoba amaklayenti ezikweletini. izikhungo Microfinance bayahamba ukuhlangabezana amakhasimende ayo kanye nokuhlinzeka ukubolekisa 96% of amacala. Ngakho, ngosizo amasevisi micro-credit abakwazi kuphela uthuthukise isimo sezimali, kodwa futhi ukushintsha umlando credit ukuze kube ngcono.

Izidingo Eziyisisekelo for ababoleka

Okuqukethwe microcredit eside ingenye solvency iklayenti ukuthi siyahambisana ebalulekile inkampani:

• engu-umboleki kumele zifakwe ibanga elithile (hhayi ngaphansi kuka 18 futhi eminyakeni engaphezu kuka-70);
• iklayenti kumele abe yisakhamuzi we Russian Federation;
• bezikhali umboleki kumele kube yokubhalisa unomphela ensimini ka yaba enye yezindawo ezilinywayo wezwe;
• khona imali ezinzile yisimo kuphoqelekile microcredit "RosDengi".

Uphenyo ababoleka abathola uxhaso inkampani, ngokuvumelana nezimfuneko ukwethembeka, ngoba akubona bonke izikhungo microfinance akwazi ukubolekisa imali kubantu abaneminyaka engu-18. Leli qiniso kusivumela ukuthatha ebolekelwe eziphuthumayo ukuze abafundi abathola umfundaze kodwa okwamanje abakwazi ukuthola umsebenzi futhi ngokusemthethweni uthumele isitatimende engenayo. Ngokuvamile, izakhamuzi omdala we Russian Federation ungakabi ngemuva akukho isipiliyoni ngesikweletu, ngaleyo ndlela, imvelaphi yabo ayikwazi ukuqinisekiswa yibhange ngoba khona umlando credit esicacile. MFI "RosDengi" hhayi uhambisa isicelo kukhathalogu Central Credit Histories, Ngakho-ke, i-esiphuthumayo udaba microloan kungaba izakhamuzi kufakwe ohlwini ababoleka ezimbi. Isikhathi esijwayelekile obuyisela izikweletu, ikhasimende Ungashintsha umlando udumo okungcono esikhathini esizayo kuzokuvumela ukuba athathe loans ezimbi nakakhulu (mortgage noma loan imoto).

"RosDengi": ukubambezeleka, Ukubuyekeza Customer

Ltd. "RosDengi" abanamacala Izibuyekezo okuyinto ukufakazela sina izinkinga esimweni yokungakhokhi, usale nezikweleti, usungula esihle ngokwehluleka ukukhokha izikweletu e inani 2% semali langempela ngosuku. Uma izimo umboleki wafaneleka njengommemezeli force majeure, inkampani singangezelela itemu loan lokukhokha kuphela nesithakazelo nsuku zonke. Uma iklayenti akusho bebona kudingekile ukuba baxwayise MFI mayelana nokwenzeka yokukhokha engamancozuncozu, wabe esekhonza iminyaka esincane loan zinganqwabelana i izikweletu umxhwele. Ngokwesibonelo, ungakwazi ukhule okungazange kukhanselwe ruble 5000 ku 70 000-80 000, okuyinto umboleki uyobuyela "RosDengi" inkampani.

Ukubambezeleka, ukubuyekezwa kanye izincwadi kusukela inkampani, kanye izingxoxo ezingemnandi nge abaqoqi - konke lokhu kungalindeleka uma kwenzeka okweletayo sika yokungakhokhi ukuthi bachitha imali engakanani. Njengomthetho, inkampani akusho ngokushesha izenzo obukhulu umboleki. Kuze umbango kanye nokuqoqwa kwezikweletu ejensi e ikhasimende ukudluliswa ingathola ngocingo angaphezu kwelilodwa noma isixwayiso ebhaliwe evela abasebenzi MFI.

MFI "RosDengi" emadolobheni ahlukene we Russian Federation

• "RosDengi" (eMoscow). impendulo kwamakhasimende wathola ikakhulukazi omuhle. Enhloko-dolobha, inamagatsha 12 elise ezingxenyeni ezihlukahlukene zedolobha. MFI ingenye izinhlangano ezintathu ngobukhulu ukuhlinzeka ukubolekisa tesikhashana izakhamuzi eMoscow.
• "RosDengi" (Petersburg). Abasebenzi ukuthola impendulo njalo. Amagatsha Petersburg, ukuhlinzeka imisebenzi izakhamuzi eziningi. Abasebenzi aneliseke umsebenzi kanye namaholo.
• "RosDengi" (Saratov). Ikhasimende libuyekeza ikakhulukazi omuhle. Ababoleka imali bathi ekhatsi Saratov microfinance isikhungo itholakala ezindaweni 6 kanye nokubhaliswa izimo loan ukuvumela ukuthatha loan eside ruble angu-30 000.
• "RosDengi" (Ulyanovsk). impendulo kwamakhasimende kusikisela lula indawo wegatsha ngaleso eMoscow Highway 47B, ukuhlinzeka ithuba ukuboleka imali ukuze ukhokhele impesheni, noma ehhovisi kwezinhlangano microfinance.
• "RosDengi" (Samara). Uphenyo ababoleka, njengoba umthetho, akukubi. I Microfinance Centre e Samara sise okusisizayo Metallurgists, 96.

isicelo Online ukubhaliswa ukuboleka imali esiphuthumayo

Esiphuthumayo uthole ukusekelwa ngokwezimali OOO "RosDengi" kungaba hhayi kuphela omunye amagatsha inkampani, kodwa futhi ku-intanethi, ngaphandle kokushiya ekhaya. Indawo Official siphela ubusuku nemini, ukuze ukuthumela isicelo credit nganoma yisiphi isikhathi esikahle. Isicelo kumele ucacise idatha yomuntu siqu umboleki, nge ukunemba ulwazi ingenye nezidingo inkampani. Lwemibuzo kufanele bakhombise umthombo engenayo ezinzile. Lolu lwazi kudingeka, kusukela umbolekisi kumelwe siqiniseke e solvency yekhasimende. Ukuze inikeze isitatimende engenayo akudingekile, okuvumela ukuthi ngeke esachitha imibhalo isikhathi ukuqoqa. MFI angacela ukuze uthumele ikhophi ukuskenwa we ipasipoti ka umboleki. Scan kumele lube sezingeni eliphezulu, isithombe kanye nemininingo yakho uqobo iklayenti kufanele ibonakale.

Ababoleka imali uqaphele iqiniso lokuthi isicelo ukusekela ngokwezimali ezibhekwa ngokushesha. Njengomthetho, le nqubo akuthathi isikhathi esingaphezu kwehora. isixazululo Response umbolekisi uthumela i-imeyili noma iselula ngesimo imilayezo ye-SMS. Beka umkhawulo wesikweletu elicacisiwe lemibuzo ka umboleki. Ngokusekelwe idatha enikeziwe, abasebenzi bengakwazi ukunqinda eceliwe izimali ezibolekwe. Ukuze uthole loan udinga ukunikeza inombolo ye-akhawunti yasebhange noma ikhadi umboleki sika. Uma wayefisa, ungathola loan cash in kwelinye lamahhovisi "RosDengi" inkampani.

Kanjani ukuba abuyisele microcredit zabo

Amakhasimende ziye zaphawula ukuthi kokukhokha ngokushesha ezikweletini microloan ngeke kalula usebenzisa amasevisi yenkampani wezimali "RosDengi". Abaqoqi, ukubuyekezwa zazo ukufakazela sina imali eyayiyikweleta ukuze MFIs ngezinye izikhathi ukusebenzisa izilinganiso elibuhlungu obumelene okweletayo, kuze ngokungalugcini kuyena lolu daba nezinsongo, ngakho kufanele sikuthathe ngokungathí sina ngangokunokwenzeka sokukhokha imali ebolekiwe futhi ukugwema kokulibala ngokungadingekile. Ekupheleni kwezinsuku ezingu-17 ka, umboleki ubophekile ukuba abuyisele izikweletu ngokugcwele: umzimba imalimboleko kanye isithakazelo ntu for nsukuzonke of ukusetshenziswa imali. Izinkokhelo yamukelwe microlending nganoma iyiphi indlela ekahle ikhasimende:

• kunoma yiziphi emahhovisi MFIs;
• ngokusebenzisa izinhlaba yokukhokha;
• ngokudlulisela lemali edingekile of izikweletu umboleki ngekhadi lesikweletu ezindaweni yenkampani;
• ngosizo izikhungo inkonzo opharetha mobile.

Force majeure kungenzeka kunoma ubani. Ababoshwe iholo nobe kwempesheni, akusiso isikhathi sokuba emuva izikweletu noma yimuphi omunye isimo, umboleki ungakwazi ukubamba singalindele. Uma ekupheleni inkathi loan ngenxa yezizathu eziningana evumelekile ikhasimende abakwazi ukukhokha izikweletu, le IFIs 'RosDengi "(kwamakhasimende ukubuyekezwa wonke amadolobha kuleli lizwe ukufakazela lula le sevisi) inikeza ikhono phenduka loan esikhathini esiyizinsuku ezingu 3-5 of. Phakathi nale nkathi, umboleki kungaba akhokhe inzalo kuphela loan, ningabuyiseli langempela isamba semalimboleko.

microcredit elithola

• Inzuzo enkulu microfinance Yebo, ikhono ukuboleka imali ngokushesha.
• Asikho isidingo ukuqoqa imibhalo voluminous futhi uvakashele ihhovisi yenkampani mathupha.
• Zonke inqubo credit zingenziwa kuphela ikhophi ukuskenwa we ipasipoti ka umboleki.
• Inkampani "RosDengi" akudingi khona amakhasimende i umlando credit lihle. Kubalulekile futhi microfinance inzuzo njengoba izikhungo ezinkulu yasebhange musa ukubolekisa imali kubantu abaku- uhlu amaklayenti ezikweletini.
• On kokucubungula isicelo kumanele engu-10, ngemva kwalokho lo muntu obolekayo ungathola imali ekhadini kwanoma iyiphi ebhange.

nebubi

• Ngaphansi kokunikezwa isikweletu isikhathi esifushane (izinsuku ezingu-17), ngakho udinga ukwazi kahle ukuthi uyoba nethuba ukubuyela lezikweletu umboleki sika inkampani 2 amaviki.
• Izikweletu ezisasele kungaholela ezinkingeni ezingathi sína: semali izikweletu, umbango ngisho necala lobugebengu. Ngaphezu kwalokho, inkampani unelungelo ukuphuca umboleki komhiaba ilingane isikweleti.
• Uma isikweletu zidayiselwe iqoqo ejensi ke singalindela izingcingo ebusuku izinsongo lokuqola, nezinye kahle.

Ngakho, ngaphambi kokuba uthathe imalimboleko ku MFI kufanele ahlaziye ngokucophelela isimo sezimali hhayi ukwenza izenzo ngamawala. Khumbula ukuthi imali eyayiyikweleta ebhange, kanye kwakhiwa, enokuthambekela ekwandeni okusheshayo.