Indlela yokufumana imali oyifunayo ukuze ukhulise ishishini lakho.
Abantu abaninzi baya kuvuma ukuba ukuqaliswa kunye nokuphumelela ukuqhuba ishishini elincinci, akukho nto, isenzo esincinci. Ingaba ufuna imali ukuqala ishishini lakho elincinci kwaye ufune ukuqhuba okanye ufune imali kuphela ukuthenga izixhobo zoshishino ezintsha kunye nezinye izinto ezikhethiweyo, amathuba okuba ufuna imali engaphezulu kunokuba mhlawumbi unayo kwi-akhawunti yakho yasebhanki ukugcina ibhizinisi lakho lihamba kwaye lihamba lathiso olufanelekileyo.
Nangona kunjalo, ufumana phi imali ekupompozeni kwishishini lakho elincinci kunye nelokhulayo? Lo ngumngeni omkhulu kunabanini bamashishini abancinci kufuneka bajongane nayo imihla ngemihla.
Njengomnini umncinci umnini, akukho mfuneko yokukhathazeka. Kukho iintlobo zemali-mboleko ezincinci zamashishini amancinci ukuba abanini banamashishini abancinci banokufikelela kwi-injecting capital capital to their business. Ingaba iimali-mboleko ezixhaswa nguRhulumente okanye nayiphina imboleko emancinci evela kubanikezeli beekhredithi abathengisi bamatyala kunye nababolekisi abathile, ishishini lakho elincinci liyakudinga.
Nazi iinzuzo ezininzi zeMali-mali yeMancinci eMancinci:
IiRhafu eziHlazileyo kunye neeNkcazo
Ngaphandle kweemeko zemali ezincinci zamashishini amancinci ziza kwixabiso elincinci kakhulu, abaninzi ababolekisa ngemali-mboleko banikezela ngemali mboleko kwiimali zenzalo ezichanekileyo nezifanelekileyo. Abanikazi bamashishini amancinci akasayi kuba nexhala malunga nokujongana nemilinganiselo yenzalo eguqukayo eqhelekileyo kwiimali-mboleko zorhwebo .
Izinketho zokubuyisela iFlexible
Ukuqwalasela ukuba amaninzi amashishini amancinci kwaye afuna ukubeka isiseko esinamandla kwiimarike, ababolekisi abancinci banikela ngeendlela ezinokubuyisela imali ezinokuthi zinike abanikazi bamashishini abancinci ithuba lokubuyisela imali yabo mboleko. Kwiimeko ezininzi, uya kufumana ukuba abanikezeli abancinci banikeze amashishini amancinci ithuba lokubuyisela iimali-mboleko zabo kwixesha eliphakathi kweenyanga ezili-12 ukuya kwiminyaka eyi-10 kuxhomekeke kwisixa semboleko.
Iinkqubo ezininzi zabaThengi
Abaninzi bemali-mboleko bahlala besesandleni ukubonelela ngamashishini amancinci kunye neeprogram zabathengi ezimangalisayo ezilungele ukuphakamisa le mizamo yezoshishino. Baya kuphucula abanikazi bamashishini abancinci ngolwazi malunga nokuphathwa kwemali, kunye nokubazisa malunga nayiphi na inkxaso ekhoyo. Kwakhona, ababolekisi abancinci baya kunika iingcebiso kubanikazi beshishini abancinci ngokwemimiselo yemali-mboleko emininzi, kunye nakweyiphi na isikimu sikarhulumente. Abanikazi bamashishini amancinci banokubonelelwa ngeendawo ezifana ne-inshorensi kunye neenkqubo zokuhlawula iintlawulo.
Nangona iprogram yokubolekwa kwemali emfutshane ye-SBA ayinikezeli imali ngokuthe ngqo kumashishini amancinci, basebenzisana nabanikezeli abancinci abancinane (ubuninzi beebhanki zoluntu) ukuqinisekisa ukuba abanikazi bamashishini abancinci banako ukufikelela kwimali-mboleko.
Kukho abaninzi ababolekisayo abathengi abaninzi ababonelela ngemali-mboleko emancinci kumashishini amancinci nakuma shishini asekhaya. Basebenzisana nabanikazi bamashishini abancinane ukuba bancedise ukwakha amashishini abo. Ingaba unamanqaku ekhredithi apheleleyo okanye amanqaku aphantsi kwemali, i-Micro Loan Lenders yindlela efanelekileyo yokufumana imali oyifunayo .
Ngomkhulu wayo eSan Francisco, i-WISE ibekwe phambili kwiimali-mboleko ezincinci ukususela ngo-1998.
Le ntlangano engekho inzuzo iye yanceda amawaka amabhinqa amabhinqa akhula amashishini abo amancinci. Banikezela iikholeji zokuqeqeshwa kweeveki ezili-11 ngaphambi kokuchitha imali kwizicelo. Amanye ama-micro-lenders ahloniphekileyo okuqwalasela aquka; I-Justine Petersen Housing, Opportunity Fund, iZiko loShishino lwabantu baseMelika kunye neACE.
Abaninzi abanikazi bezentengiselwano baza kuvuma, umboleko omncinci omncinci ungenza umva omkhulu ekuphumeleleni kweshishini, ingakumbi ukuba imali iyaliswe ngokuhlakanipha. Ababoneleli bemali-mboleko emancinci yamashishini amancinci abasoloko bekhona kungekuphela nje ukukunika imali mboleko, kodwa nokunika iingcebiso zokunceda ibhizinisi lakho elincinci likhule. Kubanikazi bamashishini amancinci, kucetyiswa ukuba bahlolisise iindlela zokufumana imali-mboleko emancinci ukuze bakhulise amashishini abo.