I-Crowdfunding njengeNew Form of Charity
Iingcambu zeCrowdfunding zizinzulu ekuthandeni.
I-Microfinance: Ifomu lokuQala leNkcazo
Kungenxa yokuba ubuninzi bezinto esiziyo malunga ne-crowdfunding zivela kwiintlobo zemali ezincinci. I-Microfinance, eyakhiwe kumava amaninzi kweli hlabathi leNobel Prize winner, Muhammad Yunus. I-Yunus ne-Grameen Bank yafumana indlela ephumelelayo yokulwa nehlwempu kwihlabathi elikhulayo-kungekhona ngokunika inceba kodwa ngokuboleka ngemali.
I-Microfinance inikeza abalimi basekhaya, abathengisi kunye nabathengisi bemali-mboleko emancinci ukuze bancede bakhule ngamashishini abo. Emva kokuboleka imali kubantu ngabanye, imibutho yee-microfinance inike inkxaso nenkxaso yokunceda abashishini abancinci baphumelele kumashishini abo, bancedise ukuqinisekisa ukuhlawulwa kwemali mboleko. I-Microfinance isebenza kwindawo apho abantu abanakho ukufikelela kwiinkonzo zebhanki zendabuko. Ababoleki bavame ukukhuthazwa ukuba bajoyine amaqela oontanga, abonakaliswe ukuncedisa ukuxhasa amashishini amancinci kunye nosomashishini.
I-Microfinance ifika apha: I-Crowdfunding ifika iphile
I-Intanethi iyisilungele ngokupheleleyo kwimibutho yenkxaso-mali: ngelixa iindawo ezingekho phantsi koorhulumente zingabhenkcela abafakizicelo abafuna ukubolekwa kwemali mboleko, i-Intanethi inikezela ukufikelela kwiinkunzi zehlabathi ezifuna indlu. Ngaphezu koko, imicimbi yentlalo yeendaba, ezenza kube lula kakhulu ukwabelana ngeeprojekthi ezifanelekileyo kunye nabahlobo bakho kunye nosapho, kukukhuthaza ukunikela kwizizathu ezinobuncedo kwiindawo ezincinci ezincinci.
Ngo-2005, i-Kiva.org yavula ii-door (ezibonakalayo) iingcango kubaxhasi. Ukusebenzisana namaqabane asekuhlaleni kumazwe amaninzi, abaxhasi bangasebenzisa isayithi ukufumanisa abahwebi abafanelekileyo kwaye banikele ngokulingana no-25 wemali mboleko ehlawulwa ngokutsha kwiminyaka emibini.
Lezo mboleko zincinci zihlanganiswe ndawonye ukuze zenzele ithuba lokudala umhlaba.
Ukususela ngo-2005, i-Kiva.org ine:
- Abaxhasi : ngaphezu kwe-1 yezigidi zabanikeli
- Imali-mboleko : ihlawulwe ngaphaya kwezigidi ezingama-500 zamaRandi
- Intlawulo yokuhlawula: inexabiso lokubuyisela intlawulo ka-99%
- Ihlabathi lifikelela : Isebenza kumazwe angama-73
(Umthombo)
Ubukhulu beMarike yokuThengiswa kweNkxaso-mboleko
Ngokutsho kweNgxelo ye-Global Crowdfunding Report, i-foufunding-based based donation should soon be over $ 1 billion ngonyaka.
Eli candelo elilandelayo likhulu lemarike yokunikela. Oku kunxiba ngemarike yomvuzo: ezininzi iinzame zobugcisa ezisebenzisa umvuzo wokuxhamla abantu zikhuthaza abaxhasi ukuba banikele ngemali encinci yemali, ngokungekho ngaphantsi kwama-R25, ngaphandle kokulindela ukubuya - ngaphandle kolwazi lokuba negalelo kwisizathu esifanelekileyo. Abaxhasi badla ngokufumana umbulelo kwiprogram okanye amanqaku e-liner. Izibonelelo zemihlali zivame ukucela iminikelo ekuxhaseni iinjongo zazo zonke, kwaye zenzele isigqibo malunga nokwabiwa kwemali. Iingxowa-mboleko ze-Crowdfunding ziyakwazi ukuphakamisa imali kwiiprojekthi nganye, oku kuthetha ukuba abaxhasi banokunikela kwiprojekthi abazikhethele yona.
Izibonelelo Zifunda njani Ukudlala uMdlalo weCrowdfunding, ngokuqinisekileyo kunamakhulu amaqonga e-crowdfunding platform ezisekelwe kwihlabathi jikelele ekuncediseni intlalo yoluntu.
Izibonelelo Zifunda njani Ukudlala Umdlalo weCrowdfunding
Ngamaqela amaninzi eenjongo zokunceda abaxhasi ukuba banikele ngemali kwizizathu ezizikhethelayo zokuzikhethela kwabo, amandla okuxhamla abantu abazange alahleke kwizinto ezincedisayo. Enyanisweni, ukukhula ekunikezeni i-intanethi kudlula ukukhula kwintengiso ye-intanethi.
Nangona i-crowdfunding iseyi-drop drop in the sea of $ 300 ezigidi zinikwe uncedo ngonyaka, uncedo oluninzi luye lukhangele ukuxubusha abantu ababanomdla abanomdla kwiiprojekthi kunye nemibutho exhasa abantu.
"Ukunika imali encinci kwiprojekthi enkulu kukuba indlela abavakalelwa ngayo ukuba bayayifeza into ethile," kutsho uCody Switzer, i -Chronicle of Philanthropy web editor.
Yaye ngoxa iinkxaso zikhangelekile ukuba zikhuphisane nabantu abanomncintiswano omkhulu, abaxhamli beemfuno ezifanayo, ukuxhaswa kwabantu ngokuxhaswa ngemali kusenokufuneka isicwangciso esilungileyo siphumelele ekuxhaseni imali.
I-Kiva.org 'inokusekwa ngo-2005, kodwa ukuxhaswa kwemimandla kusekhona kwiintsuku zayo zakuqala. Abaxhasi kunye nezoncedo ziya kuzuza kuphela njengemifanekiso emitsha yokunikezela okuncedisayo njengemidiya yoluntu kunye ne-e-commerce.