Pūtahi Microfinance: te rārangi. Microfinance institution - te reira ...

I teie mahana, e korero tatou e pā ana ki te mea te tikanga pūtahi microfinance (MFIs), ki te mea moni ratou te tīari, e mana to ratou mahi, a he aha painga e taea te tiki i a ratou i te nama. Ko te tuatahi o tika katoa ki te tautuhi i te wā iho.

He aha te mea microfinance

i muri tonu tona whakataki, te wā "microfinance" e pā ana ki tuku ratonga, i whakaratohia e ki pakihi iti, me te reo-rahi. Ko atu te utu tenei tikanga whakaritea ki te tukanga i ia haere i roto i te tikanga ki te tiki nama mo te mahi rite pēke mua ki.

Heoi, i runga i te wā kua ngaro te wā tona tikanga taketake. Kua tonu MFIs ki te hoatu i roto i loans pakihi, engari inaianei ratou kiritaki he takitahi. E hoatu ratou te whai wāhi ki te tiki i te tārewa moroiti - ko te taurewa tonu e kore e rapua e te tātaritanga tino o te huru pūtea o te nama me te kreditoplatezhnosti.

MFI - he aha te mea te reira?

Ko te kupu, whakahaere microfinance - he whakahaere pēke-kore, nei mahi e arotahi ana ki te tuku ki ngā pakihi me takitahi. Ko nui ohie atu i roto i te pēke enei kaupapa loans putanga. Ka rite ki tetahi atu whakahaere, ki te whakaoti i te mahi o MFIs Me whakapaipai. Ka taea e MFI te kukume rauemi i te whānuitanga o ngā matatiki. Ko te tuatahi ko te ōrau nui o taurewa whakaaetia, me te mahi tahi ki te pūtea. Ka taea e ratou kia rua takitahi me ngā rōpū pēke. I roto i te take whakamutunga, te MFI ko te āpiti o te Bank.

Ako MFI roto ētahi atu whare pūtea noa. kukume ratou whakarongo ki ona pepeha pānuitanga i roto i te wairua o "Money ki te utu", "Credit mo 15 meneti," "Money Tere" me pera i runga i. D. e wehea ratou ratonga i roto i nga wahi apiapi. E mea pinepine, enei whakahaere i kaua e nui ake 1-2 iwi.

momo o MFIs

Ia whenua tautuhi ona whakaaro o MFIs i te anga ture. reira whakarite hoki te ahua o te rēhita. Ko te paearu matua, e tohu e e rapu ana koutou whakahaere microfinance - he pūnaha māmā o te nama. Ko te kupu, e taea te wehea katoa hanganga pēke-kore ture tika e fakahoko 'e tuku ana i taua kaupapa ki te whai i ngā momo:

• rōpū pūtea.
• Pūtea mō te Tautoko Tautokohoko.
• Credit Union.
• Credit Society.
• ti'amâraa Credit.
• paheko Credit.

Ka rite ki kua whakahuatia, he maha MFIs he āpiti o pareparenga. Taua mahi mo te mua tino painga. Ko te take i te pēke he whai wāhi ki te tuku moni i ngä päpätanga huamoni e te hunga e rave rahi taime ki runga ake i te hunga puta tika e ia. Noatia, i reira te mea he mōrea nui e ka noho tino tenei nama.

Ko wai hi◊opo◊ai te mahi o MFIs

Ko te tinana matua e aroturuki te mahi o MFIs, te Central Bank o te State i nei vai te whakahaere. Raihana o enei taonga mau hoki te Central Bank. kia hoki kia hanga pūtahi Microfinance i roto i te rēhita kāwanatanga. I tua atu, e taea te whiwhi ratou tukua e i roto i aua whare e whakahaere te mahi o ētahi atu whare pūtea.

FZ "I Microfinance Organizations"

Ki te kōrero tatou e pā ana ki Russia, i reira he kua puta tenei raina o te mahi e kore e pera i mua. Nä, ko te ture e faatere i to ratou mahi, i kua tangohia i te tau i ma'iri a'e nei. I te kau, i reira e rua nga ture e whakahaere microfinance:

• FZ "I microfinance me microfinance whakahaere" (tangohia i runga i 02.07.2010).
• FZ "I whakatikatika ki etahi Acts Ture o te Russian Federation i roto i te hononga ki te whakatamarikitanga o te ture Federal" I microfinance me microfinance whakahaere "(tangohia i runga i 05.07.2010).

I roto i runga ki te ingoa o te ture, i reira e te tahi mau whāititanga o ngā puka me ture takoha. Ki te kōrero tatou e pā ana ki te nui faahiahia o te taurewa, ka kore e waiho te reira hau atu i te 1 miriona moni. I te wa ano rāhuitia te issuance o moni ke loans, ahakoa o te nui. I roto i te take o te pēke haumi kia riro takoha, nei te rahi he kore iti iho i te 1.5 miriona (kotahi aua taonga,).

I tua atu, me whakarite katoa MFIs Russia ka ora taua mōhiohio i runga i te whakawhitinga pūtea o ngā kaitono e. Tenei te tikanga e te taurewa o MFIs e kore e tika ki te rapu utu i te whakarato o ngā tau waea o "hoa" ko wai e taea e pūrongo utu mutunga i raro i te whakaaetanga taurewa, ki te kahore he pea o te whakapā i te nama.

whiwhinga

Kei te whakapono te reira e te mea rite ki te hoatu nama ki tata katoa e he i muri i tenei tono te MFI. Ko ko te pōhēhē tenei. I mua i te mahi ki te kiritaki, me tetahi whakahaere ki te kitea i roto i creditworthiness o te kiritaki. Ki te mahi i tenei, te whakamahi i Kautetanga nama. Tenei pūnaha taea te nama pea ki te farii i te taurewa ranei te whakakahore i reira mo te 10-15 meneti. I tua atu, ko te ara e wātea ana i tēnei ratonga ipurangi.

Scoring Credit - he pūnaha o tātaritanga o te nama ki te utu, e hāngai ana nei i runga i te tetahi hātepe me kawea i roto i na tukatuka o raraunga whaiaro. Ua faaite te hua o te tukatuka i te raraunga i roto i ngā. he whakaea kaupapa pērā o te kiritaki te whakamahi i tata katoa pūtahi microfinance. E kore te mea te taurewa kupu homai he kaimahi o te MFI, me te hōtaka rorohiko, no te mea te hua anake o tona mahi tei runga i te whakatau.

Ki te he whakarewa nga hua o te piro nama nama pea, te taurewa e taea te tiki ia tata te ra ano. Heoi, ko te nui hoki i puta loans, maha iti iho i te kotahi i i kauwhautia te tīmatanga. Ko te meka Ko e ki te awhina o piro nama taea e atu tūturu aromatawai te creditworthiness o te kiritaki, i te hāngai anake i runga i tona whakaaro whaiaro, e maha nei piriponotanga.

tātai Interest te katoa ra, e kore te marama ranei i te tau, i te mea he te take ki pareparenga. Na reira, i roto i te nuinga o MFI taurewa e tukuna anake hoki e rua wiki ranei te marama. Kore, i te tuhene ki runga ki te taurewa taea tae te nui e ko e rua ranei e toru nga wa nui atu te tetahi kua riro e te nama.

haumi

E ti'a ia tatou ki te kōrero i roto i te taipitopito atu e pā ana ki te wahi e tango te MFI tona whakapaipai. kia mahi i te whakahaere microfinance ki pūtea. Mai kore e hoatu i te State tona taurangi mō putunga i roto i te MFIs ki te haumi i roto i a ratou he mōrearea to koutou moni. He he he nui tūpono nui e ka whiwhi i te investor kahore moni, engari ngaro ano hoki ratou takoha. Haumi i roto i ngä pütahi microfinance kua he maha o ngā rerekētanga i te moni tāpui pēke :

1. Income e taea te whiwhi i taua haumi, nui pēke 1.5-2 wā.
2. Ngá āpitihanga, aua, ano tino teitei.
3. I roto i te take o te haumi i roto i MFI withdrawal wawe o takoha i roto i kore taea nuinga o te wā (okotahi - kei te atu whakaritea tenei pea i roto i te kirimana). whai Banks tika taua e te ture te investor.
4. Ka whiwhi te investor moni i MFIs ki utu tāke whiwhinga moni kāwanatanga. ka kia e taaketia ana putunga Bank anake i roto i ētahi wā.

Ka rite ki a koutou e taea te kite, ko te tino tiketike o te tukua o te haumi, ko te mōrea mōrahi. I tua atu, e faarahi te reira tino i roto i te raruraru pūtea, ka koi heke te nuinga o ngā kaitono e taumata moni. Ki te whakaaturia te whakahaere taua te kaihau, e kore e te investor e taea ki te hoki mai ara whai wāhi, e kore ki te whakahua i te ōrau, no te mea he reira maha he microfinance institution - te faanahoraa e kore e whai te taonga e taea te hokona hoki nama.

Ao te ārahi MFIs Russia

Ahakoa nga tūponotanga katoa me ngä päpätanga huamoni tiketike i runga i te pūtea taurewa, puta atu te iwi katoa tau, e haere mai ana ki te whare microfinance. Kei te piki haere haere te rārangi o taua kamupene ki te tono mo te taua ratonga. Ko te tino rongonui ko:

1. "Platiza".
2. MoneyMan.
3. "Bystrodengi".
4. "Loans".
5. "MigKredit".
6. "Zaymer".
7. moni viva.
8. "Mani Fanny."
9. "Rusmikrofinans".
10. MFI "Summit".

pūtahi Microfinance, rārangi o nei homai te runga ake, noho te runga wahi ārahi tekau i roto i te ana'iraa, i i haaputuhia i roto i runga i te tono o te kaiwhakamahi, me te auautanga o te whakahua i roto i te pāpāho.

hei utu o te mutunga

Whakaaro i nga AtAKi katoa me ngā raruraru o te whakahaere taua, e taea te faaoti i te reira e te loans i roto i enei kamupene he pai o roto i te wahi tuatahi ki te nama. Microfinance institution - he faanahoraa e i hanga matua mo te whakaaro o te hokohoko ai. Na reira, ka taea e te MFI kia ngā i te wāhi o te tirohanga o te haumi.

Heoi, ko te illiteracy pūtea o te nuinga o te taupori, me te peu o te ora i roto i te awhina taurewa ki te whakapiki ake i te maha o taua whakahaere i roto i te whenua. Ko te mea matua e rata ana te iwi - te reira ngāwari nama, kahore he hiahia ki te whakarato i te mōkihi o ngā tuhinga, te taenga tere o te moni i roto i te moni, me te kaha ki te tango i nama noa hoki te hunga e kua hītori nama pahuatia.