Zvikwereti zvakaita zvidiki

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Zvikwereti zvakaita zvidiki

Muhammad Yunus inofungidzirwa kuti ndiye muumbi we Zvikwereti zvakaita zvidiki, Kubva mugore re2006, vakashandiswa kusimbisa kukura kwevanhu vari munyika dziri kusimukira. Vanhu vazhinji vanogara imomo havawanikwi nekambani yekutanga mari uye vane mari shoma shoma. Kuti abatsire vanhu ava, Yunus akaumba pfungwa yezvikwereti zvishoma zvine chikwereti chepamusoro kusvika ku1.000 US Dollars per capita.

Kana chikwereti ichocho chakatorwa, chinofanira kuiswa muzvikwereti zvinotarirwa mberi. Izvi zvinosanganisira, semuenzaniso, vadzimai vekuda vanoda kuva vanozvishanda nemusangano wekunyora. Kana kuti kukura kwembeu kune yavo pachavo. Kudyidzana kwemitambo kunoremerwa nemari yepamusoro. Izvi zvinodhindurana pakati pe20% ne100%, inowanikwa pasi rose inharaunda inotenderera 37%. Hazvina mhosva kana munhu akwereta ane mukana wekubhadhara chikwereti. Mirayiridzo yakadaro yakasimba inongova mune nyika dzakabudirira, apo microcredit inobatsirawo. Nhamba yevakwereta inoramba ichiwedzera gore negore.

Mari shoma mune dzimwe nyika dzichiri kusimukira

Munyika dzichiri kusimukira, inenge chete vakadzi vanobatsirwa ne microcredit. Saka vanofanirwa kubvisa nzvimbo dzavo dzisina kukanganisa mune dzimwe nyika dzavo. Kunyanya kusaroora vanaamai vari munyika idzi havasati vaine mari yekugara vachidyisa vana vavo. Vana ava vanorambidzwawo kupinda kune zvivako zvekudzidzisa nekuda kwehurombo. Zvimwe kukanganisa kunobva kuchipatara chemaonero. Inishuwarenzi yehutano inowanzotarisirwa nehurumende. Mukuwedzera, vanhu vanogara mumaruwa vanotambura nekushaya kwekurapa. Mikana yekuenda kunzvimbo iri kure ingatora mazuva.

Nemikana iyi mitsva yemari yemari, vakadzi ava vanogona kuisa mari muhutano hwavo. Kusvika kune izvi, ivo vari kutsvaga bhengi inopa pfungwa ye mini-credit. Ivo chete vachapiwa chikwereti chakabatana. Nokuti mutemo we guarantor unoshanda. Vakadzi vanoverengeka vanovimbisa kune rimwe racho, nokuti havana hutano hwekuchengetedza. Kubhadharwa kwekodzero yemadhora kunowanikwa muzvikamu zvedzimwe mwedzi semunyika dzakabudirira, zhinji dzazvo dzinopiwa nemari.

Kuzvidzivirira kwepabonde

Kunyange zvazvo kubhadharwa kwekwereti yemarikiti miduku kunopfuura 90%, hapana kujekesa zvakajeka kubudirira kwechikwereti ichi chechikwereti. Kusvika ikozvino, mabhangi akaratidza kuti urombo huri kuderera uye kubudirira kuri kuwedzera. Zvisinei, mune zvenhau pane vakadzi vanotaura zvakanaka nezvekuvandudza kwavo pachavo. Vamwe vatsoropodzi vanofunga kuti vakadzi ava vanonyatsoita mazwi aya, zvichida nokuti vari pasi pekumanikidza.

Imwe dambudziko nderokudarika-chikwereti. Kana munhu akakwereta asingakwanisi kubhadhara chikwereti mukati memakore rimwe chete, imwe itsva inofanira kutorwa. Nezvo izvi, chikwereti chinosara chinogona kubhadharwa uye imwe mari yakachena inopinda muga-basa. Kunyanya, izvi zvinoguma nemigumisiro yokuti vamwe vakwereta vanomiririra zvachose kune vakwereti vanofanirwa.

Inyanzvi yemitambo munyika dzakabudirira

Iyi fomu yechikwereti ikozvino chikamu chakakosha chekambani yemari yemakambani anotengeswa. Nokushanda kwenguva pfupi, mashoma mubhadharo, zvikwereti kana kuwana, vanhu vakawanda uye vanobva kunyika dzakabudirira vari kurwisa huwandu hwemagetsi. Zvipfeko zvemari zvakapfigwa zvishoma nezvishoma. Mamiriro ezvinhu e microcredit akaderera pane mamwe mahomwe. Panofanira kunge kune kero yakagadziriswa kero uye mari inowanikwa pamwedzi haifanire kunge inopfuura mazana mashoma euro. Mukuwedzera, vanhu vane chirongwa chisina kunaka chekwereti vanogona kuwana chikwereti. Kunyanya paIndaneti zvikwereti zvikwereti zvakanyatsoshandiswa mu microcredit nemabanari.

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