I-Kiva, ukusetyenziswa kobuchwephesha kunye neentlawulo ezincinci ukuzuza amaninzi

Kiva Linyathelo lamavolontiya aseka iprojekthi esekwe kwi-micropayments kwi-2005 isebenzisa ubuchwephesha obunikezelayo ngoku. Ekuhambeni kwexesha yaba ngumbutho osungulwe eSan Francisco, ongenzi nzuzo kunye nomsebenzi wokuhlanganisa abantu ngemboleko-mali yokuphelisa intlupheko. Ukutyhutyha i-Intanethi kunye nenethiwekhi yehlabathi yamaziko e-microfinance, i-Kiva ivumela abantu ukuba baboleke kancinci njenge- $ 25 ukunceda ukudala amathuba kwihlabathi lonke, njengoko ndibonisa lo mzekelo ulandelayo:

Imephu ye-kiva googleIsidingo: Kukho inenekazi, i-200 yeekhilomitha ukusuka eLima, lifuna imali elingana ne-900 yeedola ukubonelela ngevenkile yakhe encinci yokutya, kwaye izimisele ukuyibhatala.

Ithuba: Kukho abantu kwiindawo ezininzi zehlabathi abanokuvuma ukunika i-15 yeedola kwiiprojekthi ezinje, ukuba uza kubahlawula. Ezinye iidola ze-100, ezinye iisenti ze-40, njl. Kwaye nomtsalane ngakumbi ukuba unayo imbuyekezo njengemali mboleko.

Isisombululo: U-Kiva usebenzise iqonga apho abantu banokubona idatha yenenekazi, imeko yakhe yezoqoqosho, imeko yakhe engqongileyo, into anqwenela ukuyenza, kwaye anikeze oko kukuthanda. Nje ukuba abaninzi bongeze kwaye bafikelele kwinjongo, inenekazi lifumana imali, lityikine ukuzibophelela kwentlawulo kunye nenkampani microfinance ekhuthaza iprojekthi ePeru, kwaye iya kuba ihlawula rhoqo ngenyanga. Ifumana imali mboleko yayo, kwaye abo bayibolekayo bayakufumana kwakhona.

Yindlela enomdla enomdla kwabo bafuna ukubolekwa imali kunye nakwabo baneedola ezimbalwa endaweni yokuba ubanike umntu ongamaziyo kwikona yesibane sokukhanya kwesithuthi kunokunceda abantu ukuba bahambele phambili. Zonke iiprojekthi zisebenza kwiinkqubo zophuhliso lomntu, ezinjengokuphuculwa kwamakhaya, ukomeleza amashishini amancinci, ukugqitywa kwezifundo okanye amaphulo amatsha.

Ndiyayithanda imodeli: Jonga isidingo, ubolekise, ufumane intlawulo, iphinde kwakhona. Nangona ndiyothuka indlela abayizisa ngayo ingcinga elula ngoluhlobo kwindalo yehlabathi.

Ixesha elingaphezulu kwe-Kiva ifikelele ngaphezu kwe-800,000 yabantu, abavela kumazwe ahlukeneyo e-62, ngaphezulu kwe-330 yezigidi kwimali mboleko kunye ne-98.94% yokuhlawula.

Nje ngaphakathi kweqonga, unokukhangela ngelizwe, ngesixa kwaye ukwakhona Kivadata, ebonisa amanani anomdla wokuziphatha kwale modeli kunye nezinye iinkqubo ezinomdla ezibandakanyiweyo kwiselula.

Imephu ye-kiva google

Into enomdla kukuba, ungayibona inkqubela phambili yesicelo semali mboleko kunye nemephu ongayibona apho abantu besebenzisana.

Imephu ye-kiva google

Ke, ayibuhlungu ukuba ujoyine. Ewe ngenxa yokuba uneedola ze5 kwiPayPal ongayifumaniyo ukuba wenze ntoni, okanye kuba kungekudala unokufaka isicelo semali mboleko.

Ubhaliso lwasimahla.

Okwethutyana, ukuba ukhuthaza abanye abantu ukuba babhalise uyakufumana i-25 yeedola ibhonasi, ongenakukwazi ukuyisebenzisa kwiindleko zakho kodwa ungayisebenzisa kwezinye iimali mboleko.

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