Inhloso
Kwethulwa uhlelo lwe-cooperative micro-insurance eNepal, ngaphansi kwegama elithi Yabelana&Ukunakekela, ngenhloso yokwenza ngcono ukufinyeleleka kanye nekhwalithi yokunakekelwa kwezempilo, okuhlanganisa ukuvimbela kanye nokuvuselelwa. Kusukela ekuqaleni, ubunikazi bendawo kanye nokuzibophezela kwawo wonke umsebenzi kusezandleni zomphakathi ngokwawo. I-Karuna isekela ama-cooperatives asesigodini ngokwezimali nangobuchwepheshe iminyaka emibili, kulandelwa iminyaka emibili yokuqeqeshwa nokuqondiswa ukuze kuqinisekiswe ukusimama okuphelele kohlelo lokunakekela..
Indlela yokwenza
U-Karuna usebenzise lolu hlelo lokusebenzisana lomshwalense omncane ezindaweni ezimbili ezisahlolwa. Ngolwazi olutholiwe, le modeli izobe isiphindaphindwa ngezinga elikhulu e-Nepal. Ngokuvumelana nombono wakhe, u-Karuna utshale imali eningi ekwakheni amandla eminyakeni emibili yokuqala, isakhiwo esicacile, ubuholi kanye nokuthuthukiswa kwamakhono okufunda, ukuzethemba kanye nohlelo olusobala lwezezimali olunomthwalo wemfanelo wanyanga zonke ovela kumadlelandawonye wendawo. Ngemuva kwesiqalo esinzima kwesinye sezigodi ezishayelwa izindiza ngenxa yokungaqondi okungapheli mayelana nesibhedlela esizokwakhiwa. (bheka ukwehluleka okukhazimulayo kukaKaruna kwe 2010), ayikwazanga ukuthola ukusuka ku-Yabelana&Qaphela ukwenza isinyathelo esimeme. Naphezu kwayo yonke imizamo, kube ne-negative balance sheet ekupheleni konyaka wesibili 7000 ama-euro ngenxa yokusetshenziswa kakhulu kwemithi, ukudluliselwa esibhedlela ngokungadingekile, ukuphatha ngokunganaki kanye nobuholi obubuthaka futhi akukho mnikelo ovela kuhulumeni wasekhaya nowesifunda. UKaruna bekulindeleke ukuthi avale igebe lezezimali futhi axazulule zonke ezinye izinkinga. Kunjalo, ukuncika okuningi okwavela kwakungenxa yamaphutha ethu siqu. Ngokwenza lokhu, asibonanga intando yentuthuko noma amandla okufunda kubaholi bendawo. Ngemva kwezingxoxo ezishubile zangaphakathi, sinqume ukusekela Isabelo sikaKaruna&Okungakwenzi 2 iminyaka ukuze ngime kuleli dolobhana lomshayeli, ngoba sabona ukuthi ithuba lempumelelo esimeme mancane kakhulu.
Umphumela
Lesi sinqumo esibuhlungu sokuma esigodini sokuhlola sibe nomthelela omuhle ngendlela ebingalindelekile ebuholini nasebuholini (ezezimali) ukubamba iqhaza kwezinye izigodi ezizungezile lapho uKaruna ayekade eqale khona lolu hlelo lomshwalense omncane. Kube noguquko olucacile ukusuka ekuncikeni kuKaruna ukuya ekusebenzeni kwabaholi bedolobhana futhi kunethuba elikhulu lokuzethemba kanye nobufakazi besikhathi esizayo bohlelo lomshwalense omncane wokubambisana..
Izifundo
Umzuzu wokufunda we-Karuna njengenhlangano yentuthuko ukuthi kufanele ube nesibindi sokumisa futhi udedele iphrojekthi kanye nabantu uma lingekho ithuba lokuphumelela esimeme.. Lokhu kuhlala kudala inkinga yokuziphatha, ngoba ukuma ngesikhathi esifushane kuyizindleko zeqembu eliqondiwe. Nokho, isinqumo esinjalo esibuhlungu singaba nomphumela omuhle eqenjini elikhulu labantu esikhathini eside nangezinga elikhulu.
Umbhali: Isisekelo se-Karuna
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