Pūtahi Microfinance - he aha te mea te reira? Ko te mahi o ngā pūtahi microfinance

maha e rapu hiahia o nga māngai o te hapori hou utu sino me haumi. O te akoranga, e kore nga taumata moni te wahine e noho tiketike nui ki te taupoki ana i tetahi hiahia kahore rauemi atu. I roto i tenei take, a ki reira he pūtahi microfinance tūturu. Ēnei kamupene taea taurewa ohie, me te nohopuku.

He aha kia mohio ki e pūtahi microfinance

He maha ngā hanganga rerekē, te whakaaro o e ko te whakatinanatanga o ngā whakawhitinga pūtea. Issuance o nama ranei loans - ko tetahi o nga mahi tino noa o taua kamupene. Whakahoki i te pātai "whakahaere microfinance - he aha te mea te reira" utu te tuhituhi i te meka e whai ake: te mahi o taua whare ko tata rawa rite ki te pēke. takoto te rerekētanga i roto i te ture mahi pūnaha mana me ngā ture e hāngai ana i runga i nei kamupene whakahaere taua tikanga issuance.

I roto i te meka, e hāngai microfinance i te whakarato i te whānuitanga o ngā ratonga e he hāngai hoki kaipakihi e whakatuwhera ratou mahi, a mo te tangata toharite i roto i te huarahi. Ko te painga o taua kamupene kei e taea e ratou te hoatu i roto i etahi moni, kahore he hītori nama, a he tokomaha tikanga e e tango te wahi i roto i ngā tahataha. Tenei te tikanga e ki te tiki moni ngāwari ake i roto i ngä pütahi microfinance. He mea nui ki te mahino te meka e whai ake nei: te mahi o taua rōpū e tautokona ana e te kāwanatanga, e kua he pānga tika i runga i te taumata o te whakawhirinaki i roto ia ratou. Na reira, ko te hunga e tono pātai e pā ana ki ranei MFIs ratou pono, he aha te mea te reira, a ahakoa ko reira e tika ana ki te whakamahi i enei ratonga, ka taea e koe te tono humarie ki enei hanganga no te mea he ratou tino ture.

Mō ētahi atu pārongo e pā ana ki te tika

Ko tētahi o nga ara pai ki te whakatau mehemea e kore ranei ki te whakawhirinaki i te kamupene ngā, whai wāhi i roto i te moroiti-taurewa - ko ki te kōrero i te rārangi o ngā rōpū e kōtaha. Ka taea e te mahi koe i tenei mā te whakamahi i te ratonga o ngā pokapū whakatauranga, hei tauira, te "Tohunga RA". Ka āwhina i taua mōhiohio ki te kitea i roto i te mea ki te kamupene i roto i te whakapono pai te whakatutuki i ona herenga pūtea o nāianei.

Ko te uara o tenei aromatawai e ko reira motuhake, me te, reira, he whāinga me rite ki te hua, whakaata te āhuatanga tūturu. Na reira, e kore e whakarerea e te whakatauranga takitahi o kamupene mahi i roto i te hōputu moroiti-taurewa.

He aha e mohio nga townsfolk

Tuatahi o te katoa, nga kamupene e taka ki te kāwai o ngā rōpū microfinance, ka tomo i roto i te State Register. Hei whakatau mehemea i reira ko te meka o rēhita, he mea e tika ana ki te haere ki te paetukutuku e pā ana o te Bank o Russia, i roto i nei e wātea ana noa nga raraunga. Ano, e kore e tukino i te reira ki te utu i te haerenga ki te mahi ngā o te MFI. E reira kia whakanohoia he tiwhikete o rēhita i roto i te State Register.

ngā mōhiohio nui i runga i herenga tīariari

I roto i te meka, i tetahi whakahaere microfinance kāwanatanga me kamupene tūmataiti whai etahi herenga ki te kiritaki:

• kia whakamahi i ia MFI ka tuku pūtea taurewa i te ahua ripa o te kirimana tonu.
• Tetahi kamupene kua te titauraa ki te kauwhau ki ona kiritaki te utu tonu o te nama whakaaetia. Tenei te tikanga e ia te wahine e noho kua te tika ki te mohio he aha te ōrau o reira ka whai ki te utu mo te wā katoa ki te paari. Ko te tino whai hua tenei mōhiohio ka kōwhiri i te tono raima. Ko tētahi atu meka nui ko e i te wa o te hainatanga te kirimana, mo te tauira, i runga i nama kiritaki, tona uara tapeke e taea kore nui ake te uara toharite tatau e te Bank o Russia, neke atu i te toru.
• Take ki te whakawhirinaki i te ngā MFI riro nui atu ki te he te reira i roto i tetahi o nga rōpū whaiaro-ture (i te nuinga o kitea ngā mōhiohio mema i runga i te paetukutuku e pā ana o te kamupene).
• Me ia MFI ki te whakarato i tona wa kiritaki ki te whakatau (5 ra).

Haunga te pātai o "whakahaere microfinance -? He aha te mea te reira", Ko reira pai ki te matau i te faufaa o te microloan. I roto i te meka, he mea he taurewa e kore e e nui 1 miriona. Moni. Haere i te nui ano i runga i ngā nama e hinonga ture, kaipakihi takitahi me takitahi.

momo o microloans

Ka taea te wehea taurewa katoa e homai te MFI ki te maha momo. kia tīmata koe ki te microloan kiritaki. Kei te hangaia te reira no te mau taata e rapu i te nui etahi ki te taupoki ana ratou hiahia whaiaro. E whakaputaina te nuinga taurewa o tenei momo mo runga ki te 6 marama, ahakoa i roto i ētahi wā te utu e utunga me mo te 2 tau.

Microloans hāngai kaipakihi, kua whāiti ki te 1 miriona. E tohaina moni mō ngā take e pā ana ki te kuwaha, te pupuri me te whakawhanake ratou ake mahi. wā taurewa i roto i tenei take awhe i 1 ki te 3 tau. e kore tata te whakaaetia te taunaha, engari he mea e tika ana ki te hanga i te rārangi oti o nga tuhinga tonoa e te MFI.

He hoki moroiti-taurewa, hangaia hoki he wa poto rawa, a kua tukuna ratou ki takitahi. Ki te awhina o enei taurewa e whakatau ngā take e pā ana ki ngā utu i möhio ranei, mo te tauira, whakaroa i utu. E tukuna rawa hohoro ēnei moni tārewa, engari to ratou i te auau huamoni rawa.

MFIs i Russia

Na riro i roto i te Kihi moroiti-nama kua neke atu i te rongonui. he tika ki te meka pērā i te whakanui ake tikanga stringency i roto i nei whakaae pareparenga ki tuku moni, me te hua nui i roto i te ōhanga atarangi tenei. e kore e maha kaitono whakaaro mahi tahi e hāngai ana ki te pareparenga, me te tahuri ki ngā whai wāhitanga microcredit.

Ki te utu koe whakarongo ki pūtahi microfinance i Russia me te timatanga o to ratou mahi, ko reira ia tapao e whakapumautia te faanahoraa o te MFI i roto i 2010. Ko reira whakaaetia tenei ture kaitono me ngā rōpū nama ki te mahi ture.

Kei te whakatinana i tēnei wā mahi tirotiro o MFIs i te Central Bank, tono ki a ratou anake te paerewa 2 matua: tere , me te whakapaipai hāngaitanga.

Onäianei e te hunga utu ki te mohio

I roto i te tikanga ki te te tiaki i ngā pakihi iti, me te iwi whānui i kaupapa hao, i haere he ture ake fakangatangata i roto i o ratou whare microfinance mahi: e kore e taea e whakawhānau whakapaipai e he tikanga o te utu.

ka hoki ētahi kiritaki te rohe wā. Ka taea e ratou te mahi ki te whakapaipai matua anake i roto i te hui e whakahaere mo te 3 tau. Taua mehua i kotahi whāinga ohie - ki te whakaiti i te ōrau o ngā kaupapa tinihanga. tangohia maternity tokomaha MFIs whakapaipai i hetia (951 ngā kēhi). kia kahore wahi i roto i te mākete pūtea mahi ture taua.

Ka te hunga i poropititia ai e microfinance pūtahi kia tutakina, i te mea kei reira e tika ana ki te hoatu ki te meka ritenga ake - ka haere tonu enei kamupene ki te whakahaere.

He aha atu e nehenehe e whakahere te MFI

He mea nui ki te matau, e kore te nga mahi o ngā pūtahi microfinance iti ki te whakarato o taurewa. Tino maha, ka tapae te MFI ki tangata me kaipakihi ha faingamālie ki te haumi ona ake moni i raro i te tetahi ōrau. Ko ia ka e whakaaro tenei ahua o te haumi takoha he. Ko te taa o taua haumi ko e kahore e inihua ratou e te kāwanatanga. Ko, kiritaki i kahore taurangi ture e ka ora taua o ratou haumi.

I roto i te whakautu ki ngā pātai e pā ana ki ranei te pūtahi microfinance hāngai tenei ra, he aha te mea reira me pehea haumaru ko reira ki te whakamahi i ō rātou ratonga, ka taea e koe mōhio te whakaaro e whai ake nei: he kamupene taua te ture taea ki te whakarato i te tikanga nama makona whakamarie. Homai tenei painga, kore e tatou e wareware e pā ana ki te arowhai i ngā tuhinga me te taea te tukino e pā ana ki te whakapaipai whaea.