He aha te mea pūtahi microfinance?

He tino hira mō te tīmatanga-ake Microfinance me microfinance whakahaere. Kaipakihi tomo te mākete, whai wāhi nui ki ngā puna o moni. A feruri i atu taipitopito aha te tikanga pūtahi microfinance.

āhuatanga General

I roto i te ohaoha, mahino he microfinance nga whanaunga moni motuhake i waenganui i nga rōpū e whakarato ratonga e tika ana, me pakihi iti i roto i te whakapā whaiaro, me te pātata. Tenei mahi Ko tā te haaputuputuraa o ngā rawa, whakarato o te kaupapa māmā. Faariiraa i te whakapaipai e tika ana kei te kawea reira i roto i rite ki te mau parau tumu o te moni utu, utu, poto o te whakawhirinaki. Tikanga i me pau tika te wa taua i runga i te whanaketanga o te hinonga pakihi.

pūtahi Microfinance: arotake

E tahuri ēnei kamupene maha kaipakihi tuhi. I roto i ngā āhuatanga hou ki te tīmata i te wahanga ko tino raruraru. hanga tenei reira e tika ana ki te rapu i atu puna o moni. Ka rite ki nga kaipakihi ratou, pūtahi microfinance hanga he pūnaha tuku moni whai hua, me te tino hihiri. Ko te moni whiwhi e faati'a ai whakaongaonga anō te hanga, me te tohatoha o ngā hua me ngā ratonga. He mea nui hoki kia kaipakihi hou i te whai wāhi kore anake ki te whiwhi i te wheako mākete tika o te pai, engari ano ki te timata ki te whakaemi whakapaipai.

mahi

pūtahi Microfinance whakahere kaupapa taurewa ngāwari. Ēnei tauira tukua ki a koe hinga ngāwari mau fifi, me te tīmata i te pakihi i te wahanga, me kore tika me te nama hītori. I tua atu, whai wāhi enei kamupene ki te whāinga e whai ake nei:

1. Whakanuia i roto i te maha o kaipakihi i te whenua.
2. tupu deductions tāke.
3. Hanganga o te hītori nama mō te pūtea a muri i roto i te rängai pēke.

painga

pūtahi Microfinance whakarato ratonga ki kaipakihi, i roto i te tua ki te tahatika arumoni. Ko te kupu, i reira te mea he whakapakari nui o te pūnaha moni o te kāwanatanga. E mea pinepine te tikanga e patua ana e te pareparenga, he tōtika hoki ngā pakihi. Ka rite tetahi o nga raruraru matua ko te tika ki te whakarato i nama. whakahaere Microfinance whakarato ngā mahi iti ki mōrea iti me te painga tino. e kore e pai mo te tahatika arumoni peheé ratonga.

kaupapa

E whakaratohia ngā ratonga Microfinance:

1. oti rawa anake pūtahi motuhake ki te moni. Ratou, i roto i te tahuri, te pütea e puna waho.
2. uniana Credit. Ko ratou he kamupene ki te mema ngā. E hanga e ratou ki te whakarato ratonga pūtea ki ona ngā mema. haere mai nga moni i nga takoha o nga mema o tika. Tikanga, e kore e taua hanganga i ngā kōkuhunga waho.
3. Credit ētahi ahuwhenua. Ko reira ano hoki te uniana mema ngā. mahi te nuinga ratou ki pāmu me kamupene mahi ki te / x production.
4. Funds ki te tautoko i pakihi iti. kia waiho ratou terenga āhua ranei. Ēnei hononga whakarato ratonga kahore te raihana o te pēke.

mōhiohio hītori

Kua riro te ahumahi microfinance te putanga o te whanaketanga o te moroiti-nama. Ahorangi Muhammad Yunus i roto i te tau 1976 whakapumautia te pēke "Grameen". Ko te faanahoraa motuhake i roto i te moni ki Pengikolotesí rawakore. Kei te whakapono te reira i taua i roto i tenei tau, a ka whanau microfinance i. I muri i te i reira i hoki atu ratonga mō mau taata iti-moni. Hei tauira, ka anga reira ki te whakawhanake i microinsurance, mikrovlady me pera i runga i. E ai ki ngā tatauranga, homai te Bank World, i 2005, neke atu i te 7 mano. Ēnei kamupene mahi i roto i te ao. I roto i te katoa, o ratou kiritaki he e pā ana ki 16 miriona iwi i roto i nga whenua rerekē.

Mahi i roto i Russia

aroaro te kamupene microfinance Russian he momo o puka ture. Ko te tahi-operatives mahi rite te hinonga moroiti-nama matua. Heoi, kia tuhia te reira e te whanaketanga o ngā pūtahi microfinance i Russia kore haere rite kaha rite i roto i ētahi atu whenua. He ruarua rawa kamupene motuhake e taea te kawe i roto i te nuinga o te whakawhitinga nama iti. Hoki te hanganga me te whanaketanga o te pūnaha o te tautoko kāwanatanga muri he anga ture e tika ana, me te tika. Ko tētahi o nga takahanga tuatahi ki te otinga o enei raruraru ko te ture "I whakahaere microfinance". I whakaaetia te reira e te State Duma i 2010. Federal Law №151 regulates te mahi o kamupene pērā, te rahi, tikanga me ngā tukanga mō te whakarato o taurewa iti ki te taupori.