I-Desenrola Brasil: Izikhungo zezezimali ziphinde zaxoxisana ngezikweletu zenani eliyingxenye yebhiliyoni lamarandi

Uhlelo i-Desenrola Brasil lugqame njengesenzo esibalulekile sokusiza amakhasimende anezikweletu ahlele kabusha izimali zawo.

Ezinsukwini ezinhlanu ezedlule, cishe amakhasimende asebhange ayizigidi ezi-2 anezikweletu ezifinyelela ku-R$ 100 axoxisana, ngenxa yalolu hlelo. Ngokwe-Agência Brasil, amabhange angaphansi kwe-Federação Brasileira de Bancos (Febraban) aphinde axoxisana nenani elikhulu lika-R$ 500 million ezinkontilekeni ezingaphezu kuka-150 000 zezikweletu.

I-Desenrola Brasil nokulungiswa kwezikweletu

Ngamafuphi, i-Desenrola Brasil, esetshenziswe uhulumeni wesifundazwe, inhloso yayo enkulu ukubuyisela abantu abanomkhawulo wesikweletu emnothweni. Ngakho-ke, amabhange kazwelonke akhombise ukuzibophezela nokubamba iqhaza okusebenzayo kulolu hlelo.

Lokhu kwenzeka ngoba i-Febraban igcizelele ukubaluleka kokubambisana phakathi kwamabhange nohlelo. Ngakho-ke, kugcizelelwa ukuthi isikhungo ngasinye sezezimali sinamasu aso ebhizinisi futhi, ngenxa yalokho, sisebenzisa izinqubomgomo ezithile zokuzibandakanya ku-Desenrola Brasil.

Imigomo ethile yokuxoxisana kabusha ngaphansi kwe-Desenrola

Funda futhi: QAPHELA nge-DESENROLA: Ukuhlonza amasayithi athembekile naMANGA!

Ngokuvamile, imigomo yokuxoxisana kabusha ngezikweletu inqunywa ngokuhlukene yibhange ngalinye elibamba iqhaza kulolu hlelo. Ngakho-ke, amathuba okuxoxisana kabusha ayahluka phakathi kwezikhungo zezimali, kuye ngezinqubomgomo zazo. Amakhasimende anentshisekelo yokubamba iqhaza kulolu hlelo angajoyina kuze kube ngumhla zingama-31 kuZibandlela.

Ukusekelwa kwe-Febrraban ku-Desenrola Brasil

I-Febrraban iqinisekise ukusekela kwayo i-Desenrola Brasil, yagcizelela ukubaluleka kwayo njengethuluzi lokubuyisela esimweni abathengi ababhekene nemikhawulo yezezimali. Kafushane, idatha eshicilelwe kuze kube manje ikhombisa ukuzinikela nempumelelo yalolu hlelo, iveza ukubaluleka kwalo emnothweni wezwe.

Isibonelo se-Caixa Econômica Federal

I-Caixa Econômica Federal iyisibonelo sesikhungo esijoyine lolu hlelo nemiphumela emihle. Lokhu kwenzeka ngoba ezinsukwini zokuqala ze-Desenrola Brasil, i-Caixa yamemezela ukuthi iphinde yaxoxisana ngezikweletu zamakhasimende ayo ezingaphezu kuka-R$ 51 million. Uma kubhekwa ukuthi leli bhange linamakhasimende acishe abe yizigidi ezingu-13 anezikweletu, kusekhona ithuba lokwandisa nakakhulu inani lokuxoxisana kabusha ngezikweletu.

Banco do Brasil: ukuvelela ekuxoxisaneni kabusha ngezikweletu

Esinye isikhungo sezezimali esifanele ukukhulunywa ngaso yi-Banco do Brasil (BB). Esontweni lokuqala le-Desenrola Brasil, i-BB yabhalisa ukuxoxisana kabusha okuphawulekayo ngezikweletu ezibiza u-R$ 1 billion. Ngakho-ke, phakathi nezinsuku ezinhlanu, amakhasimende acishe abe ngu-75,8 ayizinkulungwane axhase kabusha izikweletu zawo, okubonisa ukusebenza kahle nokwamukelwa kwalolu hlelo.

Ukugxila kwe-BB ekuxoxisaneni kabusha ngezikweletu

I-Banco do Brasil yaqondisa imizamo yayo ekuxoxisaneni kabusha ngezikweletu kwamaqembu ahlukahlukene angakhokhi ngesikhathi. Ngaphezu kwabantu ngabanye abanemali engenayo efinyelela ku-R$ 20 thousand, i-BB iphinde yabeka kuqala ukuxoxisana kabusha ngezikweletu zamabhizinisi amancane kakhulu namancane, kanye nabantu ngabanye ngokujwayelekile.

Ngakho-ke, ukuze kusheshiswe inqubo, amakhasimende anentshisekelo yokuxoxisana ngezikweletu zawo angasebenzisa uhlelo lokusebenza noma iwebhusayithi yebhange, ngokwezidingo zawo ezithile. Kafushane, Uhlelo lwe-Desenrola Brasil luzibonakalise luyithuluzi elisebenzayo lokusiza amakhasimende asebhange anezikweletu ukuba aqede ukungakhokhi izikweletu futhi abuyele endleleni yokuzinza kwezezimali.

Isinyathelo esibalulekile

Idatha ehlinzekwe yiFebraban kanye nezibonelo zezikhungo ezinkulu kufakazela impumelelo nokuzibophezela kwamabhange aseBrazil kulolu hlelo. Ngakho-ke, ithuba lokuphinda kuxoxiswane ngezikweletu kuze kube sekupheleni konyaka linikeza ithuba elibalulekile kulabo abafisa ukwenza izikweletu zabo zibe semthethweni futhi bahlele kabusha izimali zabo.

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Isinyathelo esibalulekile emnothweni wezwe

Uhlelo lwe-Desenrola luletha ukukhululeka kwezezimali kubantu ngabanye nasezinhlanganweni ezingakhokhi izikweletu, futhi lufaka nezigidi zama-reais emnothweni. Ngoba, ngaphezu kokuba amabhange ethola amanani okuxoxiswene ngawo, amandla okuthenga nawo abuyiselwa esakhamuzini; okubalulekile ekulinganiseni ukuhamba kokuhlinzekwa kanye nesidingo, futhi ngenxa yalokho, nokwehla kwamandla emali.