Iimali-mboleko zeShishini ezingaKhuselwanga ziYila ikamva lamaShishini amaNcinci

Ii-MSMEs ziyintsika yalo naluphi na uqoqosho, kuba zidala amathuba emisebenzi, zibonelela ngempahla kunye neenkonzo, kwaye zinegalelo kuhlumo lwasekhaya nolwesizwe. Nangona kunjalo, owona mcelimngeni uninzi lwamashishini amancinci ajongene nawo kukunyusa imali eyaneleyo yokukhulisa okanye ukuqhuba imisebenzi. Kulapho imali-mboleko yeshishini elingakhuselekanga ingena khona. Ezi mboleko ezingadingi naluphi na uhlobo lwesibambiso kwaye zinceda oosomashishini abancinci ukuba babe namaphupha amakhulu kwaye balolonge ikamva lamashishini abo.

Iimali-mboleko zoShishino ziyichaphazela njani iMpumelelo yoosomashishini abancinci

Ababolekisi abafana neebhanki kunye nee-NBFC bahlala bebonelela ngemali mboleko yeshishini elingakhuselekanga kubanini bamashishini amancinci kuba bakwimeko apho bangakwaziyo ukubonisa naziphi na ii-asethi, njengomhlaba okanye izixhobo. Kulapho imali-mboleko yeshishini inceda oosomashishini ukuba baxhase ishishini labo ngale ndlela ilandelayo:

1. Bandise ishishini labo: Uninzi lwabanini bamashishini abancinci basebenzisa iimali-mboleko ukuvula iindawo ezininzi zokuthengisa, ukuthenga izixhobo, okanye ukwandisa uluhlu.
2. Lawula imiba yokuhamba kwemali: Ushishino luhlala lujongana namahla ndinyuka, ngenxa yezizathu ezininzi ezifana neemeko zoqoqosho, ukhuphiswano kwimarike, okanye amaxesha onyaka. Imali-mboleko inokunceda abanini-mali balawule imali yokusebenza kula maxesha anzima.
3. Intengiso: Ukuze ishishini elincinci likhule, intengiso ibalulekile. Iimali-mboleko zinika abanini imali yokuqhuba iintengiso ezininzi ezahlukeneyo kwimarike yeemveliso okanye iinkonzo zabo.
4. Itekhnoloji yokwamkela: Inani elikhulu lamashishini afaka isicelo semali mboleko ye-SME ukuze aphucule amandla awo obuchwepheshe, ebenza bakwazi ukukhuphisana kwimarike yanamhlanje kwaye bakhuphisane kwimarike.

Izicelo ezikwi-Intanethi zitshintsha njani iiNkqubo zeMali-mboleko yeShishini

Ukufaka isicelo semali mboleko yeshishini elingakhuselekanga akuzange kwenziwe kube lula kwaye kukhawuleze. Kwiminyaka embalwa edlulileyo, usomashishini wayefuna ukuya ebhankini ngokwasemzimbeni, agcwalise amaphepha amade kwaye alinde iiveki ngelixa inkqubo yokuvunywa yayisenziwa. Namhlanje, ngenkxaso yetekhnoloji yedijithali, inkqubo yokufaka isicelo yenziwe lula ngakumbi:

1. Usetyenziso olukhawulezayo: Uninzi lwababolekisi okwangoku banewebhusayithi okanye ii-apps eziphathwayo apho abanini bamashishini be-MSME banokuzalisa isicelo se-intanethi kwimizuzu nje embalwa.
2. Imvume yangoko: Amanye amaziko emali afana neebhanki kwaye ngakumbi ii-NBFCs zisebenzisa i-algorithms ephucukileyo ukuvavanya izicelo mboleko kunye nokufaneleka kwetyala lomntu obolekayo kwaye enze izigqibo ngokukhawuleza, ehlala enikezela imvume kwiiyure.
3. Inkqubo engenaphepha: Ukufaka amaxwebhu ayimfuneko kwiwebhusayithi ngabanini bamashishini eMSME kunokonga ixesha elininzi kunye nobunzima.
4. Ukungabonakali: Umfaki-sicelo unokuthelekisa ngokulula imilinganiselo yenzala, imigaqo-mboleko, kunye nokhetho lwe-EMI kwiisayithi ezahlukeneyo.

Yintshukumo yedijithali apho abanini bamashishini amancinci banokugxila ngakumbi ekuqhubeni amashishini abo kwaye bangachithi ixesha labo kwiinkqubo ezintsonkothileyo zemboleko.

Iimpawu kunye neeNzuzo zeMali-mboleko yamaShishini amaNcinci

Izinto ezininzi ziyadibana ukwenza imali mboleko yeshishini elingakhuselekanga idume kubanini bamashishini amancinci:

1. Akukho sibambiso sifunekayo: Ekubeni imali-mboleko yeshishini ekhawulezileyo iya kuba lixesha elifutshane, akukho mfuneko yokubonelela ngokubambisa kubabolekisi. Yiyo loo nto, akukho mngcipheko kubanini bamashishini amancinci abangenazo ezona asethi zixabisekileyo ukuba bazinikele njengesibambiso.
2. Iindlela zokuhlawula eziguquguqukayo: Ababoleki banokusebenzisa imiqathango yokuhlawula ngokwemeko yabo yezemali, edla ngokuqhuba phakathi kweenyanga ezili-12 ukuya kwezingama-60.
3. Amaxabiso enzala afanelekileyo: Uninzi lwababolekisi banikezela ngamaxabiso akhuphisanayo kwimali mboleko engakhuselekanga, efikelelekayo.
4. Ukukhutshwa ngokukhawuleza: Iimali zidla ngokukhutshwa ngeentsuku ezimbalwa zokuvunywa kwemali-mboleko, kwaye oku kunceda amashishini azalisekise iimfuno zawo ezingxamisekileyo zemali ngokukhawuleza.
5. Iinkonzo mboleko ezenzelwe wena: Abanini bamashishini banokuboleka ngokwemfuneko kwaye bayivale ngokukhawuleza ukuba iyafuneka njengoko imali mboleko yeshishini iyimali encinci.

Amaxwebhu afunekayo ukuze wenze isicelo seMali-mboleko yeShishini

Esinye sezizathu zokuba kutheni imali-mboleko engakhuselekanga iluncedo kakhulu ngamaxwebhu amancinci afunekayo. Uninzi lwababolekisi lufuna amaphepha asisiseko afana nala:

1. Isazisi: Ikhadi le-Aadhaar, ikhadi lePAN, okanye ipasipoti.
2. idilesi: Ibhili yombane, isivumelwano serenti, okanye amaxwebhu epropati.
3. Ukubhaliswa kweshishini: Ubhaliso lwe-GST, isatifikethi sobhaliso lweshishini, okanye isivumelwano sobambiswano
4. Iingxelo zebhanki: Iingxelo zebhanki zakutsha nje zeenyanga ezi-6-12 ezidlulileyo ukujonga impilo yemali yeshishini.
5. Ubungqina bengeniso: Ibhekisa kumaxwebhu emali afana nee-ITRs (IiNgeniso zeRhafu yeNgeniso) okanye iingxelo zengeniso nelahleko.

Ngenxa yokuba amaxwebhu anjalo efumaneka lula, ishishini elincinane linokwenza isicelo semali-mboleko ngaphandle kokulibazisa.

isiphelo

Imali-mboleko yeshishini elingakhuselekanga ngoku itshintsha imo yamashishini amancinci, ngokufikelela lula kwiimali ezingadingi mbambiso. Oosomashishini banokwandisa ii-MSME zabo kwaye balawule ukuhamba kwemali ngokuthatha ithuba lokukhula ngelixa benenkqubo yokwenza izicelo elula nengenazinkathazo. Amaqonga akwi-Intanethi aphucule isantya, ukungafihli, kunye nokufikeleleka okuphezulu kweemali mboleko zamashishini nakubanini bamashishini abancinci.

Olu tshintsho luxhaswa kakuhle zii-NBFC, njengoko zibonelela ngezisombululo ezilungiselelwe wena kunye neenkqubo zokukhupha imali ngokukhawuleza. Ngokugxila kwimigaqo-nkqubo elungele abathengi kunye namaxwebhu alula. La maqumrhu aqinisekisa ukuba abanini bamashishini amancinci banokuxhomekeka kuwo njengamahlakani athembekileyo ekukhuleni. Ukwakha ikamva eliqaqambileyo neliqukayo ngakumbi eIndiya kumashishini amancinci koko kanye ii-NBFC zimiselwe ukuba zenze ngolwandiso lwazo oluyilayo kunye noluhlu olubanzi lweemveliso kunye neenkonzo mboleko yeshishini.