"RosDenghi": ukuhlaziywa. "RosDengi" - inhlangano yezemali

Imisebenzi yamaziko e-microfinance aseRashiya ijolise ekuboneleleni ngoncedo lwezemali oluphuthumayo kubemi baseRussia kwixabiso elincinci lemali ngexesha elifutshane. Njengomthetho, izicelo zokufumana iimali-mboleko ezincinci kwi-MFIs azikwazi ukusilela, ekubeni inzala ephakamileyo inomvuzo ngokupheleleyo kwiingxowa-mboleko ezingalindelekanga. Enye yeenkonzo zekhredithi yinkampani "RosDenegy". Iingqinisiso zabathengi zifakazela ukunikezelwa kweengxaki zexesha elifutshane kunye neemeko ezithembekileyo, ezivumela ukukhupha i-microloans kubemi abanomlando ombi wekredithi.

Iyintoni inhlangano yezemali?

Ingcamango "yesakhiwo semali-mveliso" yabonakala kwikharityhulam yeli xesha elide. I-MFI yokuqala yasungulwa ngowe-1944. Ngelo xesha, inzuzo ye-microcrediting yahlolwa ngababoleki kwaye yamkelwa kuluntu. Namhlanje, uninzi lwabantu beli lizwe linandipha iinkonzo zemibutho yamancinci. NgokweRejista ye-MFI, eyayihlelwe ngu-Mphathiswa wezeMali, kukho amaziko angama-350. Iinkonzo ze-microcredit ziphantsi kokukhula okukhulu, kwaye ekupheleni konyaka inani labo linokunyuka ukuya kuma-450.

Umlinganiselo ophezulu weemfuno phakathi kwabemi baseRussian Federation ngenxa yokunyaniseka kweemeko zemali mboleko kunye nethuba lokuthatha imali yesikweletu ngaphandle kwezatifikethi ezongezelelweyo zomvuzo kunye nokutsala abagcini bemali. Njengomthetho, i-microcrediting iqhutyelwa kwi-Intanethi, engenakho isidingo sokutyelela iofisi yenkampani. Ngoko ke, isiseko sabathengi bama- MFIs sihlala sandisa ngokubakho kwabasebenzisi abatsha, okwenza ukhuphiswano olunempilo kwiimali ezinkulu zebhanki.

Ukufana kwentengo yemboleko yebhanki ngemboleko emfutshane

Zomibini iintlobo zokuboleka zimela ukufumana iimali eziboleweyo ukuze kuphuculwe imeko yezinto kwaye zixazulule iingxaki zemali eziphuthumayo. Ukususela ngexesha lokwamukelwa kwemali lowo umbolekisi unakho phambi kombutho othile wembopheleleko enetyala ekufuneka iyenze emva kokuphela kwexesha elimiselweyo. Ixesha lokubonga liboniswe kwisivumelwano. Kanye kunye nenqununu yesikweletu, umxhasi unyanzelekile ukuhlawula umyinge wesigxina esenzelwe ukusetyenziswa kwemali.

Izibophelelo zetyala ezingapheliyo kwi-bhanki okanye i-MFIs zingakhokelela kwimiphumo emibi, ukuya kulwaphulo-mthetho. Ukumiselwa kwezohlwayo kunye neentlawulo kwixabiso letyala liqhelekileyo kwimiba yeentlobo zombini zokuboleka. Musa ukucinga ukuba i-microfinance kunye neenkqubo zayo zokubhalisa akulona uhlobo olunzulu lokuboleka. Njengamashishini amakhulu eemali, i-MFIs ithatha amanyathelo kwaye iqokelela ityala kumboleki ngendlela efana neebhanki.

Inkokhelo okanye i-microloan - yintoni umehluko?

Ngokutsho kobolekayo, i-credit kunye ne-microcredit ihluke kakhulu.

• Okokuqala, kulula kakhulu kwaye kukhawuleza ukukhupha iimali-mboleko ezincinci kwi-MFIs ngaphezu kwemboleko ebhankini. Ibhanki iqwalasela ngokuchanekileyo ubunikazi beklayenti, i-solvency, kwaye, njengommiselo, i-50% yezicelo ziyanqatshwa. Izakhiwo zeMicrofinance zithembeke ngakumbi kubaxhasi babo kwaye zinike imali nangenxa yobukho bembali yeebhanki. Izicelo ezili-9 eziphuma kwi-10 zivunyiwe yinkonzo yemboleko.
• Isixa semboleko ebhankini kaninzi ngamaxesha angaphezulu kwexabiso elinokwenzeka le-microloan. I-MFIs ayinikezeli i-ruble engaphezu kwama-30,000 kumakhasimende, kwaye ibhanki inakho ukuboleka abantu kwizigidi.
• Ukukhula kombolekiso iminyaka emininzi. Buyisela i-microloan iyimfuneko ngexesha elifutshane. Njengoko kuboniswe ukuhlolwa, "i-RosDengi" idinga ukuba abobolekayo babuyisele imali emva kweentsuku ezili-17.
• Ukubhaliswa kwemboleko kubalulekile ukuqokelela ipakethe enkulu yamaxwebhu: ipasipoti, i-ID yerhafu, isitifiketi esivela emsebenzini, isatifikethi semali engeniso yenyanga, i-inshurensi yonyango, isitifiketi somhlala-phantsi, ithikithi lempi, amaxwebhu epropati okanye izithuthi, njl njl. I-microcredit ikhutshwa kuphela kwipasipoti yommi waseRashiya .
• Unokufaka isicelo semboleko kuphela kwibebe lebhanki. I-Microfinance yenziwa ngokudlulisela inani eliceliweyo kwikhadi lebhanki lomthengi. Ubuni bomntu obolekayo uhlolwe kwikhophi efundwayo yepaspoti.
• Uninzi lwezakhiwo ezinkulu zebhanki zikhupha imali mboleko kwiintsuku ezingama-5-7 ukusuka ngomhla wokufaka isicelo. Unokufumana umboleko ophuthumayo ngokukhawuleza nje ngosuku lobheno.
• Unokukhupha ii-microcredits eziphuthumayo nanini na emini, njengoko iinkonzo zekhredithi zivuliwe ngekhefu. Imboleko iqhutyelwa kwisebe lebhanki kwaye kuphela kwiiyure zokusebenza zokusebenza.

Amanani omdla kwi-MFIs: Inkolelo kunye namaqiniso

Phakathi kweengcamango zabasebenzisi abasebenzisa iinkonzo zemibutho yezemali-mali, ezifana ne "RosDenegi", izimvo malunga nemilinganiselo yemigangatho yinto eqhelekileyo. Inzala yonyaka yenzalo kwimali-mboleko ngokwemiqathango yamanani iphezulu kwaye, xa kuthelekiswa neerhafu zebhanki, ayizuzi. Inkampani ibeka isantya esenzelwe umyinge we-2% yemali yemboleko ngosuku. Okokuthi, yonke imihla yokusebenzisa imali, umbolekelelwa kufuneka akhokhe inxalenye yemali enhlanganweni. Ixesha elincinane lokubonga, imali encinci iya kuhlawulwa.

Nangona kunjalo, ukuba sihlalutya kwaye siyayithelekisa intlawulo yeminyaka yamabhanki kunye nee-MFIs, kubakho ukuba akukho nto ikhoyo. Ireyithi ephezulu ekulungeleyo ihlawulwa lixesha elifutshane lemali-mboleko kunye nemali encinci yemali mboleko. Iimali-mboleko zebhanki ezisesikweni, apho amaziko emali akhupha ngosuku lokuhambisa, unomyinge wezinga lokungabi namanqanaba angaphantsi kwama-microloans kwi-MFIs. Ukuphononongwa kwenkampani "RosDenegy" kubhekiselele ekubeni ukuboleka imali ngaphambi kokuba uhlawule okanye umhlala-phantsi unyanisekile, kunye nokuhlawula inzala mboleko. Nangona kunjalo, ungakhohlwa ukuba xa kwenzeka ukuhlawulwa ngokutsha kwetyala kumbolekayo, isohlwayo sesi-2% semali yetyala sihlawulwa imihla ngemihla.

RosDengi: ukuhlaziywa kwabathengi

Inkampani ikhetheke ngokubonelela ngemali-mboleko engxamisekileyo kubemi baseRashiya kwaye inike inkxaso ngemali ngosuku loonyango. I-MFO "RosDenghi", eneenkcazo zayo ezinokuqinisekisa ubungqina bayo phakathi kwababolekayo, yasungulwa ngo-2010 eSt. Petersburg. Kuze kube yiminyaka, le nkulu inethiwekhi ye-microfinance network, imelwe kwiingingqi ezingama-33 zelizwe kunye neenombolo ezingama-300. Ngombulelo kwimisebenzi yabasebenzi bekampani, abantu abangaphezulu kwe-1 000 000 sele befumene uncedo lwezemali oluphuthumayo kwi "RosDengi". Ukuphononongwa kwabasebenzi be-MFI kubonisa inkampani kuphela kwicala elihle. Abasebenzi bayaqhubeka bekhonza ngokukhawuleza abathengi.

Yenza imali ephuthumayo kwi "RosDenegah" ifumaneka kubo bonke abemi abadala baseRussia Federation, abanomvuzo ohlala njalo. Iimeko zokuthembeka zobhaliso zivumela ukuba inkampani ikwandise isiseko sabathengi kwaye, ngokufanelekileyo, ukubonelela ngeenkonzo iinkonzo ezibonakalisiweyo ngeenkonzo ezihlukeneyo.

Imiqathango yokufumana i-microloan

Inkampani "RosDenghi" inikeza ithuba lokufumana ngetyala ngokukhawuleza ngaphandle kolwazi malunga nemali engenayo, kwaye ngaphandle kokutsala abagcini bamaphepha kunye neenqwelo zamanzi. Unokwenza i-microloan kule miqathango ilandelayo:

• Imboleko ikhutshwa kwisixa semali eyi-1 000 ukuya kwi-30,000;
• Isikhathi esiphezulu semboleko sivela kwiintsuku ezi-7 ukuya kwi-17;
• Inzala yemali mboleko i-2% ngosuku ngemali epheleleyo.

Emva kokukhupha i-microloan kwaye ayikwazi ukuhlawula ngokukhawuleza inani elipheleleyo letyala, umboleki unelungelo lokusebenzisa inkonzo yokongezwa kwemali mboleko, ukuhlawula umrhumo kuphela wenani lemali ebolekwa ngu-RosDenghi. Iimbono zabathengi abaninzi zibonisa ukulungelelanisa le nkonzo, kuba akukho bani okhuselekayo kwiimeko ezinzima.

Ukuhlawula ngokukhawuleza kweemali-mboleko zexesha elifutshane kuqinisekisa abathengi ngembali embi yebhanki ithuba lokuphucula. Ngokwezibalo, uninzi lwezontlupheko zemali-mboleko ayikho ngenxa yephulo lomboleki. Kungaba ukugula ngokukhawuleza okanye ukulibaziseka kumvuzo ngenxa yecala lomphathi. Ngoko ke, i-CI embi ayikwazi ukuchaza ngokucacileyo umntu njengomthengi ongekho phantsi. Imibutho yeMicrofinance idibana nabaxhasi babo kwaye ihlinzeke ngemali-mboleko kwi-96% yamatyala. Ngaloo ndlela, ngoncedo lweenkonzo ezincinci, awukwazi nje ukuphucula imeko yakho yezemali, kodwa utshintshe imbali yakho yeebhanki ukuba ibe ngcono.

Izidingo eziphambili kubbolekayo

Ukukhupha i-microcredit esiphuthumayo inokukhupha umthengi ngamnye ohlangabezana neemfuno eziphambili zenkampani:

• Umntu obolekayo kufuneka abe kwisikhokelo esithile (ubuncinane ubuneminyaka engama-18 nangaphezulu kweminyaka engama-70);
• Umxhasi kufuneka abe ngummi waseRussia Federation;
• Umntu obolekayo kufuneka abe nokubhaliswa ngonaphakade kwintsimi yezinye zezifundo zelizwe;
• Ubuninzi bemali engenayo ifanelekileyo yimeko efunekayo yokunciphisa i-microcrediting ye "RosDengi".

Ukuphonononga ababolekayo abanandipha inkxaso yezimali kwinkampani, bafaka ubungqina kwiimfuno zokunyaniseka, kuba akubona onke amaziko eemali-mali aboleka abemi abaneminyaka eli-18 ubudala. Eli qiniso likuvumela ukuba uthathe isikweletu esiphuthumayo kubafundi abafumana i-scholarship, kodwa abanalo ithuba lokufumana ngokusemthethweni umsebenzi kwaye banikele isatifiketi semali engenayo. Njengomthetho, abantu basebekhulile baseRussian Federation abanakho amava okubolekisa, oko kuthetha ukuba i-ID yabo ayikwazi ukuhlolwe ibhanki ukuba kukho ubudala bebhanki. I-MFO "RosDeni" ayifaki i-inquiry kwiCentral Catalog of Historical Credit, ngoko ke abemi abakuloluhlu lwababoleki ababi banokukhupha iimali-mboleko ezingxamisekileyo. Ukuhlawula ngokukhawuleza ityala, umthengi angatshintsha imbali yeebhanki ukuba ibe bhetele, ezayo ekuya kumvumela ukuba athathe imali-mboleko eninzi (iimali-mboleko okanye imboleko yemoto).

"RosDenghi": ukulibazisa, ubungqina bentengo

OOO RosDenghi, izimvo zakhe ezinetyala zifaka ubungqina beengxaki xa kungenjalo ukuhlawulwa kwetyala, ubeka isohlwayo sokuhlawula ngokukhawuleza kwetyala le-2% yemali ekhoyo ngosuku. Ukuba iimeko zomboleki ziwela phantsi kweqela lemandla enamandla, inkampani inokuyandisa ixesha lokubolekisa ngokuhlawula umdla wansuku zonke. Ukuba umxhasi akazange abone kuyimfuneko ukulumkisa i-MFI malunga nokunyanzeliswa kwentlawulo, ngoko ke inani elincinci lomboleko, ityala elimangalisayo linokuqokelela. Umzekelo, ukuhlawulela ama-ruble ama-5 000 angakhula ibe ngama-70 000-80 000, apho umboleki uya kufuneka abuyele kwinkampani ethi "RosDenegy".

Ukulahla, ingxelo kunye neencwadi ezivela kwinkampani, kunye neengxoxo ezingathandekiyo nabaqokeleli-konke oku kunokulindela umboleki kwimeko yokungahlawulwa kwemali esetshenzisiweyo. Njengomthetho, inkampani ayisebenzisi ngokukhawuleza isenzo ngokumalunga nomboleki. Ngaphambi kokumangalelwa nokudluliselwa kwetyala kwi-arhente yokuqokelela, umxhasi unokufumana uncedo olubhaliweyo okanye olufowuni oluvela kubasebenzi be-MFI.

MFO "RosDengi" kwizixeko ezahlukahlukeneyo zaseRussian Federation

• "RosDengi" (eMoscow). Impendulo yomthengi iphezulu kakhulu. Kwinqununu kukho amasebe angama-12 akwiindawo ezahlukeneyo zesixeko. I-MFO ingomnye wemibutho emithathu emikhulu ekubonelela ngemali-mboleko emfutshane kwiindawo zaseMoscow.
• "RosDengi" (iSt. Petersburg). Impendulo evela kwabasebenzi iyamkelwa rhoqo. Amasebe aseSt. Petersburg anika imisebenzi kubantu abaninzi. Abasebenzi banelisekile ngomsebenzi kunye nemvuzo.
• "RosDengi" (Saratov). Impendulo yomthengi iphezulu kakhulu. Ababoleki baqaphele ukuba amaziko eemali-mali eSaratov atholakala kwiitelesi ezingama-6, kwaye iimeko zokukhupha imali mboleko zivumela ukuba uthathe imali mboleko yexesha elide ukuya kuma-ruble angama-30,000.
• "RosDengi" (Ulyanovsk). Iingqinisiso zabathengi zifaka ubungqina bokuba indawo yesebe eMoskovskoye Shosse, 47B, inika ithuba lokuboleka imali kwimirholo okanye ipensheni kwi-ofisi yeziko lemali-mali.
• "RosDengi" (Samara). Ukuhlawula ababolekayo, njengomthetho, akubi. Isiko seMali-ncinane kwi-Samara siseMetallurgov Avenue, 96.

Isicelo se-intanethi sokukhupha imali ephuthumayo

Kunokwenzeka ukufumana inkxaso yezemali ye-OOO "RosDengi" ngexesha, kungekhona kwelinye lamasebe enkampani, kodwa nakwi-inthanethi, ngaphandle kokushiya ekhaya. Indawo esemthethweni isebenza malunga neeholide, ngoko unokufaka isicelo semboleko ngaliphi ixesha elifanelekileyo kumthengi. Kwisicelo kubalulekile ukucacisa ulwazi lomntu obolekayo, kwaye ukunyaniseka kolwazi ngenye yeemfuno zenkampani. I-questionnaire kufuneka ibonise umthombo wemali engenayo. Olu lwazi luyimfuneko, kuba umboleki-mali kufuneka abe nethemba kwi-solvency yomthengi. Isatifikethi semali engenayo asikho imfuneko yokubonelela, okukuvumela ukuba ungachithanga ixesha lokuqokelela amaxwebhu. I-MFI ingakucela ukuba uthumele ikopi ekhishwe yipasipoti yomboleki. Iskripthi kufuneka sibe semgangathweni olufanelekileyo, iifoto kunye nedatha yomuntu siqu yomthengi kufuneka ibonakale ngokucacileyo.

Ababoleki baqaphela ukuba izicelo zokuxhasa ngemali ziqwalaselwa ngokukhawuleza. Njengomgaqo, le nkqubo ayithathi ixesha elingaphezu kwesigama seyure. Umboleki uyathumela impendulo kwi-imeyile okanye kwifowuni ephathekayo ngendlela yomyalezo we-SMS. Umlinganiselo wendlela yokuthenga ngetyala kuboniswe kwiphepha lemibuzo yomboleki. Ngokusekelwe kwidatha enikezelweyo, abasebenzi beenkampani banokunciphisa inani lemali eboleweyo eceliwe. Ukufumana imali mboleko, kufuneka unikeze inombolo ye-akhawunti yebhanki okanye ikhadi lomboleki. Ukuba unqwenela, ungafumana mboleko ngemali kwenye yeofisi yeenkampani "RosDenegy."

Indlela yokuhlawula ityala le-microcredit

Abaxhasi bathi ukuhlawulwa ngokutsha kwetyala kwi-microloan kuya kwenza kube lula ukusebenzisa iinkonzo zemali zenkampani "RosDengi" ngaphandle kweengxaki. Abaqokeleli, abavandlakanyo babo babonisa ubungqina bentyala ye-MFIs, ngamanye amaxesha basebenzisa amanyathelo abanobuqhetseba ngokumelene nabatyala, kubandakanywa i-blackmail kunye neyesongelo, ngoko kuyafaneleka ukuthatha inkokhelo enkulu yokuhlawula imali kunye nokuphepha ukugqithiswa okungekho sikweni. Emva kweentsuku ezili-17, umntu obolekayo unyanzelekile ukuba ahlawule ngokupheleleyo ityala: umzimba womboleko kunye nomdla ngamnye ngosuku lokusebenzisa imali. Iintlawulo kwii-microloans zamukelwa yinkampani nganoma iyiphi indlela efanelekileyo ukuba umthengi:

• Kwiyiphi na iofisi ze-MFI;
• Ngeenkqubo zentlawulo yekhompyutha;
• Ngokudlulisela imali efunekayo yamatyala kwikhadi lasebhanki lomboleki kwiinkcukacha zenkampani;
• Ngoxhaswa ngamasevisi eenkonzo zabaselula.

Force majeure kunokwenzeka nakubani na. Zibophe umvuzo okanye pension, akukho nexesha uzakubuyela ityala okanye nayiphi na enye imeko, ukuba umboleki unako ukubamba wothuka. Ukuba ekupheleni kwexesha mboleko ngenxa yezizathu eziliqela esebenzayo uMthengi akakwazi ukuhlawula ityala, i IFIs 'RosDengi "(ncomo umthengi yonke imizi kweli lizwe zingqina lula le nkonzo) ibonelela ukukwazi kunyaka-mboleko ukuba kwithuba leentsuku 3-5. Ngeli xesha, umboleki unako ukuhlawula inzala kuphela kwi-mboleko, hayi ukuhlawula imali-mboleko elililo.

kwizazi microcredit

• Inzuzo ephambili microfinance, kakade, ubuchule ukuboleka imali ngokungxamisekileyo.
• Akukho mfuneko yokuba kuqokelela amaxwebhu voluminous kwaye tyelela i-ofisi yenkampani buqu.
• Yonke inkqubo lwamatyala singenziwa kuphela ikopi ziskenwe le yokundwendwela umboleki.
• Inkampani "RosDengi" ayifuni ubukho abathengi i imbali abalasela ngetyala. Kwakhona kubalulekile microfinance basebenzisa njengamaziko zebhanki enkulu musa ziboleke abantu abakuluhlu kubathengi utshonile.
• Kwi kokuqwalaselwa kwesicelo kwanele ukuba imizuzu eli-10, emva koko umboleki unako ukufumana imali kwikhadi ngayo nayiphi na ibhanki.

bendlela

• I-mboleko sivunyiwe ixesha elifutshane (iintsuku ezili-17), ngoko ke kufuneka ukwazi kakuhle ukuba baza kuba nethuba lokubuyela ityala mali yomboleki bale nkampani kwiiveki ezi-2.
• namatyala ajingayo kunokubangela iingxaki ezinkulu: isixa esikhulu ematyaleni, ukumangalelana kunye nobutyala. Ukongeza, inkampani unelungelo kukuhlutha umboleki lwepropati elingana nesixa ityala.
• Ukuba ityala lithengiswe-arhente yokuqokelela, ngoko sinokulindela iminxeba ebusuku neentsongelo kunye ihlebo, kunye nezinye kakubi.

Ngoko ke, ngaphambi kokuba uthathe imali-mboleko kwi MFI azihlole ngenyameko imeko yezimali kwaye ukwenza iintshukumo angawokubhuda. Khumbula ukuba isikweliti ebhankini, kanye 'ukusekwa, ivame ukuba ukukhula ngokukhawuleza.