Zotsatsa
Onani momwe mabanki akulimbikitsira bizinesi popititsa patsogolo ndi kusiyanitsa zomwe amapereka. Dziwani zambiri za mwayiwu.
Pofuna kulimbikitsa amalonda, mabanki angapo awonjezera mizere ya ngongole yolunjika ku gawo limeneli. Njira yaposachedwa kwambiri yomwe mabungwawa atenga ndi kupereka ngongole zazing'ono kwa amalonda ang'onoang'ono pawokha (MEI), pothandiza makamaka mabizinesi omwe amapeza ndalama pachaka mpaka R$ 360 zikwi.
Poganizira zimenezi, ngongole yaying'ono nthawi zambiri imapereka ndalama zochepa poyerekeza ndi ngongole yanthawi zonse. Choncho, amalonda ang'onoang'ono amatha kupeza ndalama kuyambira pa R$ 100 mpaka pa R$ 20 zikwi, kutengera bungwe.
Werenganinso: Dziwani zonse zokhudza Valores a Receber
Komabe, nthawi zambiri, mabanki amapereka ndalama zochepa zogwirira ntchito komanso ndalama zambiri zogulira zinthu za zomangamanga, monga kugula zida ndi kukonzanso.
Kodi zinthu zazikulu zokopa za ngongole yaying'ono ndi ziti?
Ngakhale ndi ndalama zochepa, microcredit imadziwika chifukwa cha chiwongola dzanja chochepa komanso zovuta zochepa za bureaucracy pakuipeza. Mabungwe osiyanasiyana ayamba kale kugwiritsa ntchito mtundu uwu wa ngongole, kuphatikizapo BNDES, Banco do Brasil, Caixa Econômica, Bradesco ndi Itaú.
Poganizira izi, chiwerengero cha malipiro komanso zikalata zofunika poyesa ngongole zimasiyanasiyana malinga ndi banki yosankhidwa. Komabe, zikalata zina zomwe zimafunsidwa nthawi zambiri ndi: CPF, RG ndi umboni wa adilesi. Kuphatikizanso, wokhudzidwayo ayenera kufotokoza cholinga cha ngongoleyo.
Kodi banki iliyonse ili ndi dongosolo lanji la microcredit kwa MEI?
- Microcrédito Produtivo Orientado Caixa: yolunjika kwa amalonda ang’onoang’ono ndi mabizinesi ang’onoang’ono, yopezeka kwa akatswiri kapena makampani omwe amapeza ndalama kapena kukhala ndi ndalama zonse pachaka zosapitirira R$ 360.000,00;
- Microcrédito Produtivo Orientado Bradesco: yoyenera kwa amalonda ovomerezeka komanso osavomerezeka omwe akufuna kukulitsa bizinesi yawo, kukonza kapena kukonzanso malo, kapena kulimbitsa ndalama zogwirira ntchito;
- Microcrédito Produtivo Orientado Banco do Brasil: umathandiza kukonza kayendetsedwe ka ndalama, kugula zida, mipando, ndi zina. Kuchuluka kwa ndalama ndi nthawi yobwezera zimatsimikiziridwa potengera mphamvu ya wochita bizinesiyo yolipira;
- Itaú Microcrédito: yoperekedwa kwa eni mabizinesi ang’onoang’ono kapena odzilemba ntchito omwe amapeza ndalama kapena ndalama zonse zapachaka zosapitirira R$360.000,00. Zinthu zokopa kwambiri ndi chiwongola dzanja champikisano, kufulumira komanso mwayi wokulitsa bizinesi ndi kuthandiza chuma cha m’deralo;
- Microcrédito Empreendedor BNDES: ndi ngongole yomwe imapereka ngongole zofika pa R$ 20 mil kwa MEI, makamaka pa ndalama zoyendetsera bizinesi, kugula makina ndi zipangizo zopangira.
Werenganinso: Kutulutsa ndalama za Bolsa Família popanda zikalata kudabwitsa anthu aku Brazil
Zatsopanozi m’malingaliro a ngongole za mabanki zikufuna kutsitsimutsa mzimu wochita bizinesi ku Brazil. Ndikofunikira kunena kuti bungwe lililonse lili ndi mawonekedwe ake komanso malamulo ake apadera.
