Lipapatso
Sheba kamoo libanka li khothalletsang khoebo ka ho fapanyetsana litlhahiso tsa tsona. Ithute haholoanyane ka monyetla ona.
Ka sepheo sa ho khothalletsa bo-rakhoebo, libanka tse ’maloa li atolositse mela ea mekoloto e lebisitsoeng karolong ena. Mohato oa morao-rao o nkiloeng ke litsi tsena ke ho fana ka mokoloto o monyenyane bakeng sa bo-rakhoebo ba banyenyane ka bomong (MEI), haholo-holo ho tšehetsa likhoebo tse nang le lekeno la selemo ho fihlela ho R$ 360 mil.
Ka pono ena, hangata mokoloto o monyenyane o fana ka lichelete tse tlase ha o bapisoa le kalimo ea setso. Ka hona, bo-rakhoebo ba banyenyane ba ka fumana lichelete tse qalang ho R$ 100 ’me tsa fihla ho R$ 20 mil, ho itšetlehile ka setheo.
Bala hape: Ithute tsohle ka Valores a Receber
Ka lehlakoreng le leng, maemong a mangata haholo, libanka li abela chelete e nyane ho capital ea tšebetso le lichelete tse kholoanyane ho matsete a meralo ea motheo, joalo ka ho reka lisebelisoa le ho nchafatsa.
Ke life lintho tse ka sehloohong tse hohelang tsa mokoloto o monyenyane?
Leha ho na le lichelete tse fokolang, microcredit e hlahella ka lebaka la litefiso tsa eona tse tlase tsa tsoala le tsamaiso e nyane ea lipampiri bakeng sa ho e fumana. Mekhatlo e mengata e se e sebelisa mofuta ona oa kalimo, har’a eona ho na le BNDES, Banco do Brasil, Caixa Econômica, Bradesco le Itaú.
Ka lebaka la boemo bona, palo ea litefo hammoho le litokomane tse hlokahalang bakeng sa tlhahlobo ea mokoloto lia fapana ho latela banka e khethiloeng. Leha ho le joalo, litokomane tse ling tse atisang ho koptjoa ke: CPF, RG le bopaki ba aterese. Ho feta moo, mokopi o tlameha ho hlakisa sepheo sa kalimo.
Tlhahiso ea microcredit bankeng ka ’ngoe bakeng sa MEI ke efe?
- Microcrédito Produtivo Orientado Caixa: e reretsoe bo-rakhoebo ba banyenyane le likhoebo tse nyenyane, ’me e fumaneha ho litsebi kapa likhoebo tse nang le lekeno kapa thekiso ea selemo ho fihlela ho R$ 360.000,00;
- Microcrédito Produtivo Orientado Bradesco: e loketse bo-rakhoebo ba ngolisitsoeng le ba sa ngolisoang ba lakatsang ho holisa khoebo ea bona, ho etsa lintlafatso kapa ho matlafatsa chelete ea tšebetso;
- Microkoloto ea Tlhahiso e Tataisoang ea Banco do Brasil: e lumella ntlafatso ea phallo ea lichelete, ho reka lisebelisoa, thepa ea ka tlung, har’a tse ling. Chelete le nako li behiloe ho ipapisitsoe le bokhoni ba mohoebi ba ho lefa;
- Itaú Microcrédito: e etselitsoe bo-rakhoebo ba banyenyane kapa batho ba ikemetseng ba nang le chelete kapa lekeno le felletseng la selemo le fihlang ho R$360.000,00. Lintho tse ka sehloohong tse hohelang ke litefiso tse qothisanang lehlokoa, lebelo le monyetla oa ho holisa khoebo le ho susumetsa moruo oa lehae ka tsela e ntle;
- Microcrédito Empreendedor BNDES: ke mokoloto o fanang ka likalimo tse fihlang ho R$ 20 mil bakeng sa MEI, o tsepamisitse maikutlo matsete, ho reka mechini le lisebelisoa tsa tlhahiso.
Bala hape: Ho ntša chelete ea Bolsa Família ntle le litokomane ho makatsa batho ba Brazil
Liphetoho tsena litlhahisong tsa mekoloto ea libanka li batla ho tsosolosa moea oa bo-rakhoebo Brazil. Ho bohlokoa ho totobatsa hore setheo ka seng se na le lintlha tsa sona tse ikhethang le lipehelo tse khethehileng.
