Ma Microloans ndi ngongole zazing'ono zamalonda zomwe nthawi zambiri zimalowera ndalama zokwana madola 35,000, komabe, ena amalonda amalola kuti microloans ifike madola 50,000. Ma microloan amagwiritsidwa ntchito poyambitsa ndalama koma nthawi zina amaperekedwa kwa makampani ang'onoang'ono omwe amangoyamba kumene ntchito.
Ma microloans angagwiritsidwe ntchito pazinthu zambiri kuphatikizapo kugula zipangizo, zowonongeka, makina, zipangizo, mipando, katundu, komanso ngakhale kugula bizinesi ina.
Kodi SBA Amapereka Ma Microloans?
Ayi. The Small Business Administration (SBA) sikumabwereketsa ndalama kwa makampani kapena anthu. Komabe, SBA ili ndi mapulogalamu ambiri omwe amalonda ang'onoang'ono angagwiritsidwe ntchito ku ngongole ndi zothandizira bizinesi zina. SBA imapereka ndalama kwa anthu ena omwe sali opindula omwe amapereka ndalama kwa anthu omwe amapereka ndalama zothandizira ndalama zopanda phindu. Obwereketsa awa amapanga ma microloans kumalonda ang'onoang'ono, kawirikawiri m'madera awo.
Kodi Makhalidwe Azing'onoting'ono Ambiri Ndi Otani?
Mmodzi wa microlender adzakhala ndi zofuna zawo pa kubwezera kwa microloan. Kawirikawiri, nthawi yochuluka ya ma microloans ndi zaka zisanu ndi chimodzi (6), koma chiwongoladzanja cha chiwongoladzanja ndi zofunikanso zimasiyana mosiyanasiyana pakati pa oyendetsa magetsi.
Amagetsi ambiri amafuna chitsimikizo cha eni ake a malonda.
Panthawi ina, ma microloan anali ovuta kupeza ngati poyerekeza ndi ngongole za banki. Komabe, powonongeka mu chuma cha United States mu 2008, ma microloan angakhale ovuta kuti apeze tsopano.
Ma microloan omwe amapeza kudzera mu mapulogalamu a SBA kapena othandizira ena amafunikanso kuti munthu amene akufuna ntchitoyo akwaniritse zofunikira zina zamalonda ndi kukonza (zomwe zimasiyanasiyana) mwiniwake wa bizinesi asanalowetsedwe ntchito ya microloan.
Kodi ndingapeze kuti SBA-Wogwirizana Microlender?
Mutha kupeza ogwirizana a SBA ku United States (pakalipano 46 akuti ali ndi a SBA) komanso a District of Columbia ndi Puerto Rico.
Mungapeze mndandanda wa otsogolera omwe ali mumtundu wanu pa webusaiti ya SBA.
Kodi Pali Amalonda Ena Osayanjana ndi SBA Amene Amapanga Ma Microloans?
Inde. Nawa malo ochepa kuti mufufuze:
- Kiva - Webusaiti yomwe imathandizira anthu omwe ali ndi makampani okhudzana ndi amalonda m'mayiko ena. Kiva amakulolani kuti mupereke ngongole yokwana madola 25 kuti muthandize anthu kuyamba malonda ang'onoang'ono m'mayiko ena. Mpaka pano, opereka ndalama za Kiva apereka ndalama zoposa madola 7.7 miliyoni kwa malonda ang'onoang'ono padziko lonse lapansi (monga mwezi wa October 2015).
- Ndalama Yothandizira - microlender yopanda phindu yomwe imapereka ngongole zazing'ono zosiyanasiyana ndi mabungwe ang'onoang'ono a bizinesi omwe angagwiritsidwe ntchito kugula ntchito, kugula zida, kukonzanso, ndi zina zowonjezera malonda.
- Accion USA - Mabizinesi omwe alipo, Accion ngongole yomwe imachoka pa $ 500 mpaka $ 50,000. Izi ngongole zimagwiritsidwa ntchito kuti zigwiritsidwe ntchito monga zinthu zogwirira ntchito, mtengo wogula, kugula galimoto, kugula katundu, kugula zipangizo, kusintha kwa malo, ndi malonda.
Mabungwe akuchulukitsa zachuma akupanga ma microloans kwa mamembala ammudzi. Limbikani ma municipalities anu kapena chipinda cha zamalonda ndikufunsani zambiri zokhudza anthu omwe ali m'deralo.
Nazi zina zambiri zomwe zingakuthandizeni kuyamba:
- Zomwe Zili ndi Ndalama Zing'onozing'ono Zoyambitsa Bwino ku Canada
- 10 Ma Microloan for Business Women
- Malingaliro ndi Zitsanzo za Microlending
Kodi N'kovuta Kwambiri pa Zachilengedwe?
Kukwanira kwanu kuti muyenerere ngongole iliyonse kumadalira ndalama zanu zapadera komanso ngongole ya ngongole ndi zofunikira za munthu aliyense payekha. Komabe, pali zina zomwe mungachite kuti mukhale ndi mwayi wokhala ndi ngongole ya bizinesi.
Ngati mukupempha mtundu uliwonse wa ngongole ya bizinesi muli ndondomeko yamalonda yamalonda.
Konzekerani kufunsidwa za zomwe mumakumana nazo mu bizinesi komanso luso lanu loyamba ndi kuyendetsa bizinesi yodalirika. Mungapemphedwe za maphunziro anu, luso lapadera, ndi zochitika zamaluso ndi zidziwitso zomwe zingathandize kutsimikizira wogulitsa amene mukudziwa zomwe mukuchita.
Muyeneranso kukhala wokonzeka kusonyeza zomwe mwakhala mukuchita bizinesi yanu. Otsatsa malonda amakhulupirira kwambiri malingaliro anu a bizinesi ngati mwawonetsa kale kuti muli ndi mtima wofuna kupereka nsembe kuti maloto anu akwaniritsidwe.
Bweretsani nambala yachuma kwa wobwereketsayo kuphatikizapo ndalama, bilan, ndi zina zonse zomwe mukuyenera kusonyeza zomwe zakhala zikuchitika kale.
Kodi ndingagwiritse ntchito Microloan kwa Cholinga Chamalonda Chilichonse?
Ayi. Okwanira akufuna kudziwa zomwe mukukonzekera ndi ngongole ndipo nthawi zambiri amaika malire pa zomwe mungagwiritse ntchito ndalamazo. Onetsetsani kuti mufunse mafunso omwe mungakhale nawo pa zomwe mungakwerekere ndalama ndi momwe mungakwerekere musanatumizire ntchitoyi.
Onetsani kuti mwachita ntchito yanu ya ku sukulu komanso kuti mutha kukhulupilira ndipo mutangotenga ngongole yomwe mukufunikira kuti muyambe bizinesi yanu.