Kutheni abatyali-mali abaninzi bexoshe le modeli yoxhasomali
Ukuba ne shishini eliqalise ngaphantsi kwele minyaka elishumi eyadlulayo kwaye lixabiswa ngaphezu kwama-R6 000bhiliyoni lubonisa ukuba kufunwa ngokucacileyo kunye nokuthandwa yontanga ukuboleka ngetyala ngamashishini. Iontanga lokujonga i-shishini lokubolekisa ishishini lisekugqithiseni ukuhlawulwa kwemali yemveli njengoko abatshali-mali abatsha kwaye baninzi bafuna ukubuyiswa okuphezulu kakhulu okukhoyo kule modeli-mali. Ukuyibeka ingqiqo, ukuboleka kwamanye amantombazana kukuphuhliso lwakutshanje olwenza ukusetyenziswa kwe-intanethi ukudibanisa abatyalo-mali ngabanye abafuna ukuboleka imali kwabanye njengamashishini amancinci afuna ukuboleka imali .
Ingqikquthela kule nto ibonisa ukuba ababolekayo abanokubakho bangenza isicelo sekhredithi kwiiwebhsayithi zokuboleka zoshishino-ntanga. Abatyalomali banikezwa ithuba lokukhetha ukuxhaswa inxalenye okanye yonke imali mboleko kwaye zihlawulwa ngezihlandlo kunye nomdla kwizolimo zabo. Ngenxa yokukhula ngokukhawuleza kwiminyaka embalwa edlulileyo, eli shishini lizisa iinzuzo ezininzi kunye neentsilelo ezimbalwa kumashishini amancinci afuna inkxaso-mali.
Nantsi ingqwalasela ekhangelekayo kunye nentsholongwane kwintanga yokujonga ngorhwebo.
Imvelaphi emfutshane
Oontanga ukujonga imali yindlela ekhethekileyo yokukhulisa inkxaso eyenziwa yi-intanethi. Ezi ziqonga azikhangeli ngemali kunoko; Bakha amaqonga e-intanethi adibanisa ababolekayo abanokubakhomali. Ngokwemigangatho elula, kunokuthiwa yi-hybrid ye-crowdfunding apho kukho i-pool yamanani amancinci kubanini-mali abaninzi abazimisele ukunika imali kubboleki abakhona kuphela ukuba babuyiselwe ngembuyekezo.
Kwiinyanga ezimbalwa ezedlule, ukubolekwa kwemali-mboleko ye-intanethi exhaswa ngabathengisi beentengiso babefumaneka kuphela kubaboleki ngabanye njengemali mboleko mboleki. Nangona kunjalo, oku kuye kwatshintsha ngokukhawuleza njengamashishini amancinci ngoku angakwazi ukufikelela ezi ntlobo zemali-mboleko zokuxhasa imali yabo.
Uontanga lokuThengisa ukuThengisa kunye neMpembelelo yalo kwiShishini elincinci
Oontanga ukujonga ukuthenga ngoshishino unikezela ngeenzuzo ezininzi kunye nezithintelo ezithile.
Kwimiba ecaleni, uontanga lokubolekisa ngontanga kunokunika i-credit abanikazi bamashishini amancinci abasemarikeni yemali-mboleko kwaye abanako ukuzikhusela kwiziko lemveli-mboleko ezifana neebhanki. Oku kunenzuzo, ngakumbi xa ishishini lithintele ukubolekwa ngebhanki, okanye xa kunesidingo semali ekhawulezayo.
Kwimeko engafanelekanga, oontanga ukuba baboleke ngetyala bangaba kubi kakhulu kumashishini amancinci njengoko bavame ukuhlawula irhafu yemali ephakamileyo kuneemali-mboleko zemveli ebhanki. Kwiphepha elifanayo, leontanga kwiingxowa-mboleko zontanga zikhuseli ezikhuselekile zithwala zonke iingozi ngokukodwa xa ishishini elincinci lingenakubuyiselwa imali mboleko.
Intsapho yokujonga imali mboleko yezo shishino nayo iphinda ihlawulwe ngokukhawuleza kwaye idla ixesha elifutshane kwaye lifumaneke kumanani amancinci alinganiswa nalawo anikezelwa ngamabhanki endabuko. Nangona kunjalo, oontanga ukujonga iimali-mboleko zoshishino kubaluleke kakhulu kumashishini amancinci ngendlela yokuba bazalise ikhefu labo basomashishini abafuna imali encinci yemali-mboleko, ingakumbi xa kungekho zikhetho okanye xa ukhetho olukhoyo alukho.
Kwinqaku engcono, uontanga lokubolekisa oontanga lunokuba luncedo kubanini bamashishini abancinci kuba kukho ukungaziwa phakathi kwababoleki nabalimi.
Nangona kunjalo, khumbula ukuba ulwazi lomntu siqu lukhuthazwa njengoko lunokubongoza ababolekisi okanye abatyala-mali ukuba baxhaswe iprojekthi ethile. Kwakhona kubalulekile ukugcina engqondweni ukuba abanye oontanga bajonga ababolekisi bezoshishino bangabika kwiingxowa- mali zemali-mboleko ngaleyo ndlela banako ukwenza ukuba amashishini amancinci akha kwaye aphuculwe imbali yabo yematyala, enokubaluleka kakhulu kwixesha elizayo.
Iinjongo zokuKhula
Kukho umgangatho okhulayo wokukhula kwontanga ukujonga imali kumashishini amancinci . Ngokomzekelo, ngowama-2013 kuphela, oontlanu oontanga ophezulu ukujonga iiplatifti zaseMelika zanikela ngaphezu kwe-$ 3.5 billion kwiingxowa-mali kumashishini amancinci nabathengi. Oku kwaphawulwa njengenyuka kathathu kunyaka odlulileyo. Ukuba le statistical yinto ehamba nayo, akungabazeki ukuba oontanga ukujonga imali yoshishino ngumoya ngoku kunye nabanini bamashishini abancinci abakwaziyo ukungazihoxisi ezi nqanaba ezimangalisayo ekufuneni kwabo ukufumana iimali zokwakha imibuso yabo yezo shishino.