Umbutho "Inzuzo Alliance": uhlola abagcinisa

Ngoku Imarike lweenkonzo microfinance ephuhliswe ngamandla ngokwaneleyo - abantu abaninzi rhoqo ukwenza Uboleke imali encinane ukuba kuthengwe zombane ezincinane zekhaya, uhlawule ezinye amatyala ezingxamisekileyo kunye nezinye izinto, azibuyisele kunye isengqondweni yakho.

Ngenxa yoko, iinkampani ngokubonelela mboleko ezinjalo, ukujikelezisa imali, etsala iidipozithi abanye abantu, nebangela ukuba iphothifoliyo yayo zemali.

Namhlanje sikuxelela malunga enye kula maziko microfinance inxaxheba nokwamkela nokukhupha mboleko. yena "Inzuzo Alliance" kuthiwa. Izimvo abagcinisa ye-ofisi, kwakunye ulwazi ngokubanzi malunga nemisebenzi nkampani kwi Internet ziya kubonelelwa kweli nqaku.

iimpawu ngokubanzi

Le liziko microfinance (emva koku ukukubiza kwanciphisa MFI) na isakhiwo eqhelekileyo ingeniso yemali. Njengoko sele sibonile, ukuba uthatha imali evela kwabanye, wawunika abanye. Oko umdla kukuba eliphezulu izinga lenzala, ebalwayo kwi iidipozithi. Oku sele kukodwa asikwazi ukutsala abantu abafuna ukwenza ngemali yabo abayityale kweli shishini.

Ukongeza, inkampani usebenzisa iqela izixhobo nokuthengisa - yeyokuhombisa site ngoncedo imifanekiso zenkuthazo ezintle, ukubhala kuzo zonke iinkcukacha malunga nokusebenza kwayo ixesha elide ngempumelelo njalo njalo. Nangona ukuba ufuna naluphi na undwendwe kwisiza uyakwazi ukubona ezinye iimpazamo umsebenzi "Inzuzo Alliance". Izimvo abatyali-mali, siphawula nide.

Iminyaka emsebenzini kunye namaxwebhu

Xa "ongaphantsi 'lwesiza ibonisa ukuba inkampani ukusebenza ukususela ngo-2011. Kwiphepha efanayo "ngathi" sibhalwe ngokucacileyo kunyaka - 2013th. Kungelo xesha ke MFIs ezisekelwe aniwa. Ukuze omeleze nomfanekiso walo emehlweni abatyali, kumaphepha kwisiza uyakwazi ukufumana isatifikethi kunye nesiqinisekiso sobhaliso lwemisebenzi yekhampani, kwakunye nenani namanye amaxwebhu. Noko ke, xa sithetha ngqo malunga inkampani "Inzuzo Alliance" (feedback kwakhona stress), kukho iindidi ezimbini kuphela yoxwebhu enxulumene kuyo - oku isiqinisekiso sobhaliso yequmrhu elisemthethweni, kwakunye kwintshayelelo kweenkcukacha zenkampani kwirejista yemibutho microfinance. Oko kukuthi, elinye iphepha iske zinxulumene nabanye abachaphazelekayo (oku "Centre of Public Finance" nePDA "Eurocapital").

Holdings

Umnikelo zalaba inkampani "Inzuzo Alliance" (testimonials kwabo baye bakwazi ukuba basebenzisane nayo, siya kumnika ngakumbi kancinci) inkcazelo engakumbi olusana. ulwazi ngokubanzi kuphela ingafunyanwa kwi-website ukuba iimali ezivela labemi ukusukela kuma-30 lamawaka engange 5 million. Kungakhathaliseki ukuba loo mali sedipozithi uya kuhlawuliswa 120 ekhulwini ngalinye ngonyaka (okanye i-10% ngenyanga nganye). Njengokuba kubhaliwe kwathiwa kwiphepha enye, intlawulo inzala igalelo ngenyanga. Ngokumalunga kwisithuba apho yenziwa utyalo-mali, kunokuba ukususela kwiinyanga ezi-3 ukuya ku-12.

A bethe tyi ke kancinane kwisiza ichaza "iinzuzo 'ezahlukahlukeneyo evela kutyalo-mali ezinjalo. Ezi "Inzuzo Alliance" (inkampani zemali kwakhona malunga abaninzi kangaka abantu abanomdla abagcinisa) ziquka evulekileyo, inzuzo phezulu, umgangatho kukuthembeka, inkonzo esemgangathweni, ukufumana indawo umxhasi, nezinto ezilolo hlobo.

Ukuze ukutyala, kufuneka ucele enye amanani ezidweliswe kwicandelo "Contact Us" kwisiza, uze uqhube kwi-ofisi ze imali. Oku konke kwenziwa njengoko kubonisiwe ngabameli inkampani, ngokukhawuleza nangokulula.

credits

Ngaphandle ukukhulisa imali bezimali MFI "Inzuzo Alliance" (review kancinane) nalo liya kuthatha inxaxheba kunikezelo mboleko. Kudla microloans ezithile ezijoliswe ukuwahlawula amatyala ezincinane, ukuthenga ezithile kubalulekile, kodwa izinto kangako, ukutya kuye kwaphawulwa ngemivuzo ezintsha, njalo njalo.

Ngokutsho inkcazelo kwi-website esemthethweni, kwimeko imoto yakho njengesiqinisekiso onetyala unelungelo lokukhupha imali-mboleko kwimali engange-10 ukuya kuma-50 amawaka isithuba sonyaka-1. Kulo mzekelo, lowo ubolekayo unyanzelekile ukwenza iintlawulo ngeveki kwi-mboleko. Ngokuphathelele kwenzala, umiselwe kwi-2 ekhulwini ngalinye ngosuku.

Abasebenzi benkampani zithembisa ukuba inkqubo Thabitha ilula kwaye kwenzeka kweli xesha lifutshane kangangoko kunokwenzeka. Kufuneka ubize enye ofisi, ukuba beze uxoxe ubomi, lingenise la maxwebhu ngokwexabiso ngummeli wowona kwipropati ukufumana imali efunekayo.

kulonda

Njengoko sele kutshiwo ngentla apha, ezi nkampani epapasha amaxwebhu ayo yokubhalisa ebonisa inkqubo, ukusekwa kunye ungeno kwi kwirejista Russian MFIs. "Inzuzo Alliance" (St. Petersburg liziko yesibini, apho ofisi yabo zibhenqekile na, emva kokuba eMoscow) kuqinisekisa ukuba zonke iidipozithi ziya inshorensi kule nkampani, "Loyd City". Xa isiqinisekiso le-mali ifumana ipolisi ye-inshorensi, nto leyo ithetha ukuba i-100% kule dipozithi uya kubuyiselwa kuyo nayiphi na imeko.

Ngokwe-arhente yenkampani ngokwakhe, kusivumela ukuba bathethe malunga ukungabikho lomngcipheko abatyali kunye inzuzo intengiselwano lonke liphela. Noko ke, kwakhona, ukuqinisekisa ukuba zinika iseleyo "Inzuzo Alliance" kwakhona abagcinisa, abaya kufuneka ubonise into nto.

Kutheni bebaninzi kangaka

Kwi website MFI ine icandelo enoku iimpendulo kwimibuzo zixhaphakileyo. Enye yazo ezi zilandelayo: "Kutheni na ukuba uhlawula kangaka?". Ngelo xesha, Kakade ke, intsingiselo izinga 120 ekhulwini, nto leyo ihlawulwe abagcinisa yonyaka ukusetyenziswa kwemali. nkqu kwiiforam ezahlukeneyo malunga "Inzuzo Alliance" kwakhona banegalelo iyiphakamisa njengombutho ibitheni inzuzo kakhulu - It ngokwenene ukuba kakhulu okuninzi. Ingakumbi xa ucinga ukuba zonke iidipozithi insured.

Indlela ukucacisa oku ngabasebenzi - yonke into kwi ipesenti ephezulu gqitha yabafundi be-mboleko ukuba ababoleka imali ahlawule. Enyanisweni, i-2 ekhulwini ukusetyenziswa ngosuku - malunga 720% ngonyaka ngamnye. Le isixa esikhulu ngokwenene yenzuzo. Kodwa ukuba uchaze 120% rate akunakwenzeka, njengoko eboleka uvelisa iindleko zokuthengisa ukutsala kubaboleki, kwakunye neendleko ingozi yokuba kwimeko emiselweyo mboleko. Abantu abaqale ukufunda ngokubonakalayo iinkcukacha nkampani, kwakukho nkqu uguqulelo kule nkalo.

Reviews Customer

Abatyali becala ngokuzithemba ngokuba inkampani yobuqhophololo "Inzuzo Alliance". "Umbutho microfinance" - nje kuligquma elula iphiramidi-mali, nto leyo ethatha imali evela kwabanye abantu kwaye ahlawule enye, ukudala imbonakalo yomsebenzi. Umgaqo tyando ifana kakhulu indlela elisebenza ngendlela eyiyo ngexesha elifanelekileyo edume MMM, isikali kuphela ezincinane.

banegalelo Guest ukukhankanya ukuba iinkampani ezifana zibonakale kuyo yonke indawo. Bakrazula ofisi, ukuqesha abasebenzi abaphathi, encumile ukuba ubhale amabali ezinomdla umsebenzi wabo kwi-website esemthethweni. Kodwa ke akukho kuvela.

Njengomthetho jikelele, wena makaqokelele isixa esithile, bayeka nje iintlawulo 'yibhola' usoloko aphoswe kukuba abatyali buxakaniseke. Kwaye ke kubaboleki, inkampani cishe ngeke, ekubeni oku kala, nkqu ukhuseleko imoto ukuqhatha ecocekileyo.

Kwaye enye ingongoma umdla, nto leyo ibonisa nabanikeli ingxelo. Le site iqulethe inkcazelo malunga nokuba siyintoni na inkampani iya kuchitha egameni "Inzuzo Alliance", ngoxa uthathela ingqalelo OOO "Centre of inkxaso-mali karhulumente." Ngenxa yoko, ukuba ukungqina ukuba ababethwele imali kwi-ofisi yokuqala, kuya kuba nzima - ngokutsho amaxwebhu ukuba ezikhoyo ezimbini esemthethweni ezahlukeneyo ngokupheleleyo.

Impendulo evela kubasebenzi

Ngelishwa, sisebenzisa uphendlo kwi-intanethi, wayengenakuba sakwazi ukufumana i "Inzuzo Alliance" ingxelo evela kubasebenzi. Mhlawumbi, isizathu isimo zincinane inkampani, ebandakanya abantu abaliqela. Kuyinto kunokwenzeka, ukusebenza kunye nabaxumi basebenza ngqo abanini nkampani, ungafaki abasebenzi abongezelelweyo.

Enye indlela okanye omnye, kodwa kudlala thabatha intembelo ezicaceleyo MFI.

Isiphelo

Yintoni ubhale isiphelo ngale mbutho? Inikezela kwemiqathango ngokucacileyo nomtsalane kakhulu ukuze ukutsala ngokucacileyo kubatyali-mali. Ngelo xesha ngayo ingxelo encinane kakhulu ngakwicala kubaboleki, akukho iingcebiso ezivela abasebenzi kunye nezimvo umbuzo izimali abanomdla kuloo hlobo ishishini eliphumelelayo esikwaziyo ukuvelisa unomdla crazy enjalo.

Ingongoma yesibini - le ukuqhekezwa kumaqumrhu eziliqela zomthetho, nto leyo ebonisa ukuba konke kwenziwa kwi injongo. Kuyenzeka ukuba ubukho amaqumrhu eziliqela esemthethweni ilele umkhondo indlela inkqubo ukukhohliswa abagcinisa.

Njengoko izindululo kwezinye abatyali, kungcono ukuba kudlula yinkampani. Isivuno 120% ngonyaka ngamnye - kumane etyeni. Xa uthelekisa lo mbutho kwabanye, inzuzo kakhulu kushishino, baye akathembisi kutsho kuma-20% ngonyaka ngamnye. Umahluko kukuba uvalo.