microcredit

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microcredit

Muhammad Yunus akuonedwa kuti ndiye woyambitsa wa microcredit, Kuyambira chaka cha 2006, akhala akugwiritsidwa ntchito kulimbikitsa chitukuko cha anthu m'mayiko akutukuka. Anthu ambiri omwe amakhala mmenemo samapeza mwayi wogulitsa msika woyamba ndipo alibe ndalama zambiri. Pofuna kuthandiza anthuwa, Yunus adalimbikitsa malingaliro ang'onoang'ono a ngongole yokhala ndi ngongole ya ndalama mpaka ku 1.000 US Dollars pamudzi.

Pamene ngongole yotengedwayo, iyenera kuyendetsedwa muzolowera zam'tsogolo. Izi zikuphatikizapo, mwachitsanzo, amayi omwe akufuna kukhala ogwira ntchito ndi msonkhano wopukuta. Kapena kulima mbewu paminda yawo. Chiwerengero cha ndalama zolemetsa zimakhala zolemedwa ndi mitengo ya chiwongola dzanja. Izi zimasinthasintha pakati pa 20% ndi 100%, pafupifupi chiwerengero cha chiwongoladzanja chonse chiri pafupi 37%. Ziribe kanthu ngati wobwereka ali ndi ngongole yoyenera ya ngongole. Malangizowo okhwima amakhalapo kokha m'mayiko otukuka, kumene microcredit imathandizanso. Chiwerengero cha wobwereka chikupitiriza kuwonjezeka pachaka.

Ndalama zazing'ono m'mayiko osauka

M'mayiko osauka, pafupifupi akazi okha amapindula ndi microcredit. Choncho ayenera kutenga malo awo osowa mtendere m'mayiko awo. Amayi osakwatiwa omwe ali m'mayikowa sakhala ndi ndalama zowonjezera kuti azidyetsa ana awo. Ana awa amatsutsanso mwayi wopeza zipangizo za maphunziro chifukwa cha umphaŵi. Zowonjezereka zina zimachokera kuchipatala cha maganizo. Inshuwalansi ya umoyo nthawi zambiri sichiyendetsedwa ndi boma. Kuwonjezera apo, anthu okhala m'midzi akuvutika chifukwa chosasowa chithandizo chamankhwala. Kukhoza kupita ku mzinda wakutali kungatenge masiku.

Ndi mwayi watsopano wa ndalama, amayiwa akhoza kuyika maluso awo. Pofika pamapeto pake, akuyang'ana banki yopereka chithunzi cha ngongole yaing'ono. Adzalandira ngongole yokha. Pakuti mfundo ya guarantor ndi yovomerezeka. Amayi angapo amawatsata ena, chifukwa alibe zoyenera kuteteza. Kubwezeredwa kwa ngongole ya minibus kumayendetsedwa mwezi uliwonse monga m'mayiko otukuka, omwe ambiri amaperekedwa ndi ndalamazo.

Kudzudzula kwapadera

Ngakhale kulipira kwa ngongole yaying'ono kuli pamwamba pa 90%, palibe phunziro lomveka bwino la kupambana kwa mtunduwu wa ngongole. Pakalipano, mabanki asonyeza kuti umphawi uli kuchepa ndipo chitukuko chikukwera. Komabe, m'mawailesi pali amayi omwe amalankhula mosamala za kukula kwawo. Anthu ena otsutsa amaganiza kuti akaziwa mwachidziwitso amapanga mawu awa, mwinamwake chifukwa ali ovuta.

Vuto linanso ndiloperekera ngongole. Ngati wobwereka sakutha kubweza ngongole mkati mwa chaka chimodzi, ayenera kutengapo kachilombo kameneka. Pachifukwa ichi, ngongole yotsalira ikhoza kubwezeredwa ndipo ndalama zatsopano zimangobwera kuntchito. Kwenikweni, izi zimabweretsa zotsatira zomwe ena amakongoletsa amadalira kwamuyaya omwe ali oyenerera.

Chiwerengero chamakono m'maiko otukuka

Mtundu uwu wa ngongole tsopano ndi gawo lofunikira la msika wamalonda wa mayiko otukuka. Pogwiritsa ntchito nthawi yochepa, malipiro ochepa, ngongole kapena kupeza, anthu ochuluka ochokera m'mayiko otukuka akunyamulira ma microcredits. Mipata ya ndalama imatsekedwa posachedwa. Zomwe zimayendera pa microcredit ndizochepa poyerekezera ndi ngongole zina. Payenera kukhala adiresi yolengeza malipoti ndipo ndalama za mwezi siziyenera kukhala zoposa mazana angapo a euro. Komanso, anthu omwe ali ndi ngongole ya ngongole amalephera kulandira ngongole. Makamaka ndalama zothandizira ngongole zapamwamba zapamwamba zimakhala zodziŵika kwambiri ndi ma microdirectory ndi subsidiaries.

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