Programa Acredita: Boma Layambitsa Microcredit Yosintha Zinthu. Dziwani!

Zotsatsa

Boma la Federal yakhazikitsa Programa Acredita, yomwe ndi ndondomeko yolonjeza kusintha moyo wa anthu a ku Brazil olembetsedwa mu Cadastro Único para Programas Sociais (CadÚnico). Komabe, poyang’ana kupereka ngongole zing’onozing’ono kwa gawo limeneli la anthu, ndondomekoyi ikufuna kulimbikitsa mabizinesi, kupanga ndalama komanso kuphatikizidwa pazachuma.

Kodi Programa Acredita Ndi Chiyani?

Programa Acredita ndi yankho lachindunji pa kufunika kophatikiza pazachuma mabanja a ndalama zochepa olembetsedwa mu CadÚnico.

Zotsatsa

Choncho, cholinga chake ndi kupereka mwayi wopeza ndalama zomwe zingathandize kuyambitsa kapena kukulitsa mabizinesi ang’onoang’ono, kukonza moyo komanso kulimbikitsa kudziyimira pawokha pazachuma.

Ndani Angatengepo Mbali?

Omwe akulimbikitsidwa kutenga nawo mbali mu Programa Acredita ndi anthu olembetsedwa mu CadÚnico, yomwe ndi nkhokwe ya deta yosonkhanitsa zambiri za chikhalidwe ndi zachuma za mabanja a ndalama zochepa ku Brazil. Kuti mutenge nawo mbali, ndikofunikira:

  • Kulembetsa mu CadÚnico: Kulembetsedwa mu CadÚnico ndikofunikira, chifukwa ndondomekoyi imagwiritsa ntchito deta imeneyi kuzindikira ndi kusankha opindula;
  • Kukhala ndi zaka zoposa 18: Ndi akuluakulu okha omwe angapemphe ngongole yaying’ono;
  • Kukhala ndi lingaliro la bizinesi kapena bizinesi yaying’ono: Pulogalamuyi imalunjika kwa amalonda atsopano komanso kwa omwe ali kale ndi bizinesi yaying’ono ndipo akufuna kuikulitsa.

Mmene Ngongole Zazing’ono Zimagwirira Ntchito

Ngongole yaying’ono yoperekedwa ndi Programa Acredita ili ndi makhalidwe apadera omwe amasiyanitsa ndi mitundu ina ya ngongole zachikhalidwe. Nazi mfundo zazikulu:

Kuchuluka kwa ngongole yaying’ono kumasiyanasiyana malinga ndi zosowa ndi mbiri ya wopemphayo.

Nthawi zambiri, ngongolezi zimakhala zazing’ono, zoyenera kuthandizira ndalama zogwirira ntchito, kugula zida kapena zinthu zofunika, komanso zosowa zina zofunika za bizinesi.

Kuphatikizanso, malamulo obwezera ngongole ndi osinthika, okhala ndi nthawi yobwezera komanso chiwongola dzanja chochepa, zomwe zimathandiza kuti anthu apeze ngongole mosavuta.

Amachepetsa zovuta za njira yopempherera ngongole yaying’ono kuti anthu ambiri athe kupeza zothandizira popanda kukumana ndi zopinga za bureaucracy. Ofuna ayenera:

  • Kulembetsa: Kulembetsa kungachitike m'malo othandizira a CadÚnico kapena kudzera pa nsanja zapaintaneti zoperekedwa ndi boma;
  • Kupereka dongosolo la bizinesi: Ngakhale sikofunikira kukhala ndi dongosolo latsatanetsatane, ndikofunikira kuti wopemphayo amvetsetse bwino momwe akufuna kugwiritsira ntchito ngongoleyo;
  • Kutenga nawo mbali pa kuwunika: Pambuyo polembetsa, wofunsayo adzawunikidwa pazachuma ndi chikhalidwe kuti atsimikizire kuyenerera kwake komanso kudziwa kuchuluka kwa ngongoleyo.

Kutsatiridwa ndi Thandizo

Kuphatikiza pa ngongole yazachuma, Programa Acredita imapereka kutsatiridwa ndi thandizo laukadaulo kwa opindula.

Komabe, Izi zikuphatikizapo maphunziro pa kasamalidwe ka ndalama, kukonza mapulani a bizinesi ndi madera ena ofunikira kuti bizinesi iyende bwino.

Pulogalamuyi ikufuna kuonetsetsa kuti chuma chikugwiritsidwa ntchito moyenera komanso kuwonjezera mwayi woti mabizinesi apambane.

Ngongole Zazing'ono ndi Zotsatira Zomwe Zikuyembekezeka

Kukhazikitsidwa kwa Programa Acredita ndi gawo lofunikira kwambiri polimbana ndi umphawi ndi kusalingana kwa anthu ku Brasil. Popereka ngongole zazing'ono kwa anthu omwe ali ndi ndalama zochepa, boma la fedulo likuyembekeza:

Kulimbikitsa malonda, Kulimbikitsa kukhazikitsidwa ndi kukula kwa mabizinesi ang'onoang'ono.

Zotsatsa

Kupanga ndalama, Kuonjezera kuthekera kwa mabanja kupanga ndalama zawo.

Kulimbikitsa kuphatikizidwa kwachuma, kukulitsa mwayi wopeza dongosolo lazachuma lovomerezeka, pothandiza kukhazikika kwachuma kwa mabanja omwe akulandira thandizo.

Pulogalamu ya Acredita: ngongole zazing’ono

Pulogalamu ya Acredita yakhazikitsidwa ngati njira yatsopano komanso yofunikira yolimbikitsira kuphatikizidwa kwachuma ndi chitukuko cha chikhalidwe ndi zachuma cha mabanja omwe ali ndi ndalama zochepa ku Brazil.

Kuphatikiza apo, pokhala ndi mwayi wopeza ngongole zazing’ono ndi chithandizo cha akatswiri, opindula ali ndi mwayi wosintha miyoyo yawo ndi kuthandizira kukula kwachuma kwa dzikolo.

Komabe, ngati mwalembetsedwa mu CadÚnico ndipo muli ndi lingaliro la bizinesi, Pulogalamu ya Acredita ingakhale chilimbikitso chomwe mukufunikira kuti mukwaniritse zolinga zanu.

Chithunzi: Kubwerezedwanso/Intaneti.




Tsambali ndi nsanja yodziyimira payokha yopereka zinthu zophunzitsa ndi zotsatsa. Tilibe ubale, mgwirizano, kuyimira, chilolezo, thandizo kapena kuvomereza mwalamulo kuchokera ku mtundu uliwonse, kampani, bungwe, pulogalamu kapena ntchito yotchulidwa, pokhapokha zitafotokozedwa momveka bwino.

Zomwe zasindikizidwa ndi za cholinga chophunzitsa chokha ndipo zitha kusinthidwa, kuyimitsidwa kapena kuchotsedwa nthawi iliyonse ndi omwe ali ndi udindo wake. Ngakhale timayesetsa kusunga zomwe zili patsamba zatsopano komanso zolondola, sitikutsimikizira kulondola kwake, kukhala kwatsopano, kupezeka kwake kapena kuyenerera kwake pa zochitika zinazake.

Sitimagulitsa, kukonza zolipira, kupereka ngongole, kugawa zopindulitsa, kutumiza zinthu kapena kutenga nawo mbali mwachindunji pakupanga mgwirizano wa ntchito zilizonse zotsatsa. Momwemonso, sitikutsimikizira kuvomerezedwa, kuyenerera, kulandira zopindulitsa, mphotho, zinthu, kuchotsera kapena zotsatira zina zilizonse chifukwa cha zomwe zaperekedwa.

Tsambaliyi ingathe kuwonetsa zotsatsa, maulalo olipidwa ndi zinthu za othandizana nawo, zomwe tingalandirepo malipiro. Malipiro aliwonse sangakhudze udindo wathu wopereka chidziwitso ndipo sapanga ubale uliwonse wovomerezeka ndi mtundu womwe watchulidwa.

Wogwiritsa ntchito ali ndi udindo wotsimikizira mwachindunji m'makampani ndi mabungwe onse njira zovomerezeka zoyankhulirana, zambiri, malamulo, mikhalidwe ndi zofunikira zonse asanapange chisankho chilichonse. Sitidzakhala ndi udindo pa zisankho zopangidwa potengera zomwe zasindikizidwa kapena pa kusintha kulikonse, kusapezeka kwa zinthu, zolakwika kapena zochita za anthu ena.

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