MFI "Kashalot Finance": arotake. loans moni Tere

pūtahi Microfinance whanau i roto i Russia i te tīmatanga o te 90. I roto i te rau tau whakamutunga fana'o ratou iti ngā rongonui. i ki "tuwhera wahi kai" kamupene microfinance tae noa ki 2010, ka haere te ture whakamutunga i i te taumata e hānga ana, e taea ana ki te whakahaere i te hononga i waenganui i te rōpū whakarato ratonga microfinance, me te iwi whānui.

He aha te mea he MFI, a he aha kai te reira?

MFIs - pūtahi pūtea mahi i roto i te whakarato moroiti-taurewa ki te taupori. He ara moni iti whakaaetia mo te wā i whakaritea, me te hoki mai o te moni i mua i-whakaritea mō te whakamahi i ratou enei. awhe wā utu i te iti o te 5 ra, me te ki runga ki te tau. Ko te wā tino rongonui, i roto i nei hoki te taupori nama - he marama.

Ko te kōrero o

whakaaro tau o whanau i roto i te ao o te microfinance te ki kia 1976, ka whakaturia Ahorangi Muhammad Yunus te pēke "Grameen". tino ia i roto i tuku moroiti-taurewa ki Pengikolotesí rawakore.

He nui i muri ki wātea i honoa mai matou me ngā ratonga pērā i mikrovklady me mikrostrahovka. Kua tēnei āwhina pūtea kua hangaia hoki te iwi ki te moni iti. Ki te rā, te ao, i reira e pā ana ki 10,000 pütahitanga microfinance e rave i roto i te mahi atu atu i 20 miriona. Tangata i roto i te toru whenua ao, me te i roto i whenua whakawhanake.

MFI Rerekē pareparenga

Ko te rerekētanga matua i te MFI o te pēke - ko te mateaki tiketike ki o ratou kaitono pea tenei. e kore hoki pūtahi microfinance ko te raruraru o te aroaro o te hītori nama kino kiritaki, i hoki pareparenga, he tino nui tenei tūemi. Loans ki te MFI hanga rōpū katoa - ngā ākonga, mutu, e kore tangata mahi mana, ara te hunga e whai tetahi mea ki te whakamatau ratou moni.

e kore e Banks me MFIs whakataetae kamupene. Ko te pai te reira i te hanganga tautoko - tuku pareparenga me MFIs ki wehe tahi i te tahi. Ko te pareparenga whakahere loans wā roa-ki te ōrau optimally ki āu ko MFI - iti taurewa moni mo te wa poto.

utu Interest mo te whakamahi o

Hoatu e te tuku moni loans, ko tetahi institution nama i te mōrearea, tamata ia ki ite i te reira. Ki te iti ki te karo i ngaro moni, MFI takoto koutou mōrea i ōrau o te taurewa.

auau huamoni Daily i te moroiti-nama ko te toharite o te 2%, ko APR, aua, 730%. Tōraro ātete ki te MFI tangata ahu ki te hanga o ratou tautohetohe i runga i taua nako. Ko kia mahara nga tātaitanga e te wā mo e tangohia te taurewa e ko te tikanga e pā ana ki te marama. Ko te whakaaro matua o te taurewa - ki te pupuri i roto i tae noa ki te utu pūtea i muri, na e kore e te moni mo te whakamahi mea tiketike rawa.

Me pēhea te ki te tono

Ko te tino ngāwari tono Taki. Just whakakiia i roto i te tono ki te tari MFI. microloans tukuna kahore arowhai. e kore e ki te whiwhi i te taurewa e hiahia ana tetahi kaioati, e kore e whakarato reira whakakapi ranei kohikohi he huinga etahi o ngā tuhinga.

rawa hohoro whakautu ki te tono mo te pananga i o te moni mai: tika 15-20 meneti o tatari. i muri tonu i te whakatamarikitanga o te whakatau pai i runga i te tono mo te taurewa, kua hoatu te moni i roto i.

Me pēhea te ki te tiki microloans kahore mahue te kāinga

tono maranga Daily mō microloans arata'i ki te putanga o mākete pūtea o pinepine o ngā rōpū hou. A i roto i te tikanga ki te ora i roto i te taiao tino whakataetae o tenei ra, kamupene i ki te haere ki te tinihanga hou katoa.

Hei kukume atu kaitono i roto i o ratou rarangi, pūtahi pūtea tohatoha nga ratonga e whakaratohia ana whakamarie, me te noho pai o te whakamahi. Hei tauira, kei te hanga pūtahi microfinance, i roto i nei e taea te tono e koe mo te haora nama. Na e kore koe e hiahia ana ki te tatari mo te tetahi haora tuwhera o te kamupene - te taenga atu ano i reira, ko he hiahia mo te moni, ka taea e koe te tono tonu.

riro ano i te whakahaere whanaketanga nui, e mau ana i roto i o ratou mahi he tino ipurangi. Ki te tiki i te pūtea tārewa ki te kamupene, nui ki te whakaki i te tono ipurangi i runga i te pae paetukutuku ranei hoa mōhiohio, ka tatari mo te whakautu. I muri i 15-20 meneti, ko reira rite. Ki te he whakatau pai, e taea te whakawhiti te nui taurewa ki te kāri pūkete ranei, ki te unu i te taurewa te whakamahi i ngā pūnaha hiko (hei tauira, "Yandex"), i roto i te pūnaha o utu tonu ranei.

Me pēhea te ki te matapae i te kaitätari pūtea, te āhuatanga o MFIs huri noa te ao o nāianei i rawaka pānga i runga i te ōhanga, me mo te wā ka whakapiki ake i anake te reira.

Me pēhea te ki te whiriwhiri i te kamupene tika

"Ko te parāoa Finance" i roto i ngā wheako maha MFIs 'e whakaaro tatou i roto i tenei tuhinga, ko te ngā tino mārama, me te pai mo te nama.

Microfinance Organization "Kashalot Finance" ko te rōpū o 35 pūtahi nama, e he hohoro a huri noa te karaka rite ki te farii i me te tukatuka i te tono taurewa. Ko te MFIs tino nui ngā i roto i tenei rōpū e "Rama", "Union Finance" me "Leader".

Wātea i runga i te kamupene 'Kashalot Finance "arotake o ngā āhuatanga tuku moni hanga reira mārama e rerekē te reira i to ratou ake ahua:

1. Ko te kamupene taunga ki te mahi mō te wā roa-ki te kiritaki (i runga i te tau).
2. MFO "Kashalot Finance" ka whakaoti i te tono e hāngai ana ki te farii i te moni i runga i te paetukutuku e pā ana, ka e tuku tono a te nama ki ngā kamupene rōpū katoa.

meatia tenei katoa e ki te whakaae i tuhituhia o te kiritaki. I muri i te tahi haora, pea meneti, i runga i te mahi o nga ngā rānei, te kamupene riro te karanga whakamōhio e pā ana ki te whakatau.

Hea a ki nei ki te tono

Ko te tino ngāwari te mahi i runga i te pae. Kei te whārangi kāinga te he tono mō te whakaoti i te puka tono, e me whakapūtā koe te raraunga noa: te ira tangata, tau, ingoa, me te waea mo te urupare. Ahakoa e taea te pānui i whakaaro te tauākī i runga i te whārangi "Kashalot Finance" arotake i te iwi e kua kua 'aonga i te ratonga o tenei kamupene.

MFIs i roto i te whakamahi o ratou tikanga mahi auaha kua whai wāhi ki te tuku atu i te 25,000 te iwi. A e kore ko te rohe tenei!

Haere ki te "parāoa tohorā Finance" taurewa e kore e uaua. Ko te nui tīmata o 1,000 moni, me te mutu he nui 100 000 moni. Hei hoki te moni e taea e i roto i te wiki ranei mo te wā mōrahi - 1.5 tau. rite No pōauautanga ki te whai i te tiai whakarato tiwhikete i mahi ranei. tuhinga anake o te tangata o te Russian Federation. Kiritaki ki hītori nama "patua" i te 90% tino e te take i roto i te "parāoa tohorā Finance" taurewa. Interest mo te whakamahi o te marama: 0.5% ia.

Whakakiia i te tono, te kiritaki homai te whakaaetanga angamaheni ki te tukatuka o tona raraunga whaiaro, ki te tirohia i te mana o te raraunga whakaratohia ki a ratou, ka tukua maimoatanga i ChB, me te ki te whakamārama i te pūmanawa o te nama nama tino.

Hei hoatu i nama, me te hoki mai kaupapa here

E tika ana kia rite hoki taua, i etahi wā, kia tonoa atu ai te MFI te tuhinga e whai ake nei:

• ki te wātea - raihana o te taraiwa uruwhenua ranei;
• SNILS;
• tiwhikete pēke e pā ana ki te hua pütea o te nama puka ranei 2-poka.

Hoki kia pai maitai te kiritaki pea tohatoha i roto i ara e rua: ki te waiho i roto i te awhe tau i 18 ki te 75 tau, me te kia i te tangata o Russia.

Hoki ngā kāwai rerekē o tangata e tono ki te MFI, i reira e etahi hōtaka e tīpakohia te taurewa tino whakamarie ki ngā utu ngāwari. I roto i te wā o te tono toutou, e taea te fakapapau'i kaitono o te tikanga pai muri ki ahuareka ōrau.

Moni i roto i te "parāoa tohorā Finance" taea e rerekē. Ka taea e waiho he wiki utu rite utunga noa te mutunga o te wā i tohua i roto i te kirimana tenei. i runga i te rā mutunga ranei me hoki ki te taonga tarewa i te nui o te moni, me ona hua mo tona whakamahi.

hoatu te kiritaki te te tika ki te tikanga kōwhiringa-whaiaro o hoki, me te tikanga e ai e rave i te reira na. Ka taea te whakawhiti moni i roto i te kāri, pūkete, e-pukoro me ētahi atu pūnaha whakauru tonu.

I muri pānui e pā ana ki te "parāoa tohorā Finance" arotake kiritaki, e taea te faaoti i te reira e anake te kino i te kamupene - incompatibility rohe. I roto i te mau parau te tahi atu, anake noho o etahi rohe o te whenua e taea tarewa moni i te kamupene.

Ki te kahore i kitea tenei tuhinga i te whakautu ki te pātai katoa e taea e koe te karanga i nga wa katoa te "parāoa tohorā Finance" (te tau waea kitea i runga i te pae tukutuku e pā ana o te kamupene), tono he karanga hoki o te operator, ko wai e taea e kakato makona koutou pākiki ranei.

Whakamahia te ratonga o te MFI ranei kore - i te mea tūmataiti. Otiia e kore e wareware i te parau e tangohia e koe tetahi atu o, a mo te ia poto, engari ka whai ki te waiho ki a ia, me te mo te katoa.