microcredit

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microcredit

Muhammad Yunus an dauke shi mai kirkirar microcredit, Tun shekara ta 2006, an yi amfani dashi don inganta cigaba da bunkasa mutane a kasashe masu tasowa. Mutane da yawa da ke zaune a can ba su sami damar shiga kasuwar jari na farko ba, kuma suna da kuɗi kaɗan. Don taimaka wa waɗannan mutane, Yunus ya ci gaba da tunanin ƙananan bashi tare da karfin kudi har zuwa 1.000 dalar Amurka ta kowace hanya.

Lokacin da aka karbi wannan rancen, dole ne a zuba jari a cikin zuba jarurruka na gaba. Wadannan sun haɗa da, alal misali, 'yan gidaje da suke so su zama masu aikin kansu tare da wani taron bitar. Ko kuma namo na tsaba a kan nasu nasu. Ƙarin ƙwararren ƙididdigar ƙwayar ƙwayar ƙwayar microcredit. Wadannan suna gudana a tsakanin 20% da 100%, yawan adadin yawan duniya yana kewaye da 37%. Ba kome ba idan mai bashi yana da basira mai daraja. Wadannan jagorori masu yawa sun kasance a cikin kasashe masu masana'antu, inda microcredit ke taka muhimmiyar rawa. Yawan masu karbar bashi suna ci gaba da tasowa a kowace shekara.

Microfinance a kasashe masu tasowa

A cikin kasashe masu tasowa, kusan dukkanin mata sukan amfana daga microcredit. Ta haka ne ya kamata su karbi matsayinsu maras kyau a cikin ƙasashensu. Musamman iyaye mata a cikin waɗannan ƙasashe ba su da kudin samun kudin shiga don ciyar da 'ya'yansu. Wadannan yara suna hana samun damar shiga makarantun ilimi don dalilai na talauci. Ƙananan rashin amfani sun fito ne daga ra'ayi na kiwon lafiya. Asusun kiwon lafiya ba sau da kayyadewa ta jihar. Bugu da ƙari, mutanen da suke zaune a karkara suna fama da rashin lafiya. Da yiwuwar tafiya zuwa gari mai nisa zai iya ɗaukar kwanaki.

Tare da wadannan sababbin kuɗi, waɗannan mata zasu iya zuba jari a cikin basirar su. Don haka, suna neman bankin basira da bashin bashi. Za a ba su kyauta tare. Domin ka'idar tabbacin yana da inganci. Yawancin matan suna son juna, saboda ba su da wani abu na dabi'a don kiyayewa. Ana biya biyan kuɗin da aka samu a cikin ƙananan watanni kamar yadda a cikin ƙasashe masu masana'antu, yawancin abin da aka bayar da kuɗin.

Kuskuren Microcredit

Kodayake yawan kuɗin bashin bashi yana sama da 90%, babu wani cikakken nazari game da nasarar wannan wannan jarin. Ya zuwa yanzu, bankunan sun nuna cewa talauci yana raguwa kuma wadata ta tashi. Duk da haka, a cikin kafofin watsa labaru akwai mata da suke magana da gaskiya game da ci gaban kansu. Wasu masu sukar suna ɗauka cewa waɗannan mata suna yin waɗannan maganganu, watakila saboda suna ƙarƙashin matsa lamba.

Wani matsala ita ce kashewa. Idan mai bashin bashi ya biya bashin a cikin shekara guda, dole ne a dauki sabon ƙwayar microcredit. Tare da wannan, bashin bashi za'a iya biya kuma wasu kuɗin kuɗi suna gudana cikin aikin kai. Mahimmanci, wannan yana haifar da cewa wasu masu karbar bashi suna dogara ga masu bada bashi wanda ya cancanta.

Microcredit a ƙasashen masana'antu

Wannan nau'i na bashi ya zama muhimmin ɓangare na kasuwa na ƙasashen masana'antu. Ta hanyar aiki na gajeren lokaci, ƙananan kuɗin, bashi ko sayarwa, yawancin mutane daga kasashe masu masana'antu suna kai hare-haren microcredit. An rufe kudaden kudi a taƙaice sanarwa. Yanayi don microcredit ba su da alaka da sauran rance. Dole ne a sami adireshin rahoto mai tsabta kuma samun kudin shiga a kowane wata ba dole ba ne ya zama fiye da ƙananan kudin Tarayyar Turai. Bugu da ƙari, mutanen da ke da ƙimar bashi suna da damar yin amfani da bashi. Ƙididdigar ƙididdigar labarun kan layi na musamman sun kasance na musamman a cikin microcredit tare da 'yan uwan.

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