Injongo

Injongo yayikukukhawulezisa ukusasazeka kweenkqubo zamandla elanga e-Uganda ngokwenza intsebenziswano phakathi kweenkampani zelanga kwinqanaba likazwelonke kunye nabona baxhasi bemali abancinci elizweni..

Indlela yokwenza

Ndingene kwiingxoxo nabo bonke abasasazi belanga abazimiseleyo ukubavumela ukuba bangene kwiprojekthi yabo yentsebenziswano kunye nosozimali oluncinci olujolise kuphuhliso lwemarike yasemaphandleni.. Indlela yahlulahlulwe yaba 3 isigaba: (1) ubungqina bemodeli yoshishino kwintsimi, (2) ukunyusa umgangatho, kwi (3) ukuphindaphinda.

Ekugqibeleni, zikho 6 intsebenziswano yaqala. Emva kokuqalisa iiprojekthi, indima yethu ibigxile ekubekeni iliso nasekuqeqesheni.

Isiphumo

Ubambiswano kunye nabona baxhasi bancinci abathathu bangcono kakhulu alukhange lube naziphumo. Abaphathi babenehlombe kakhulu kwaye oku kuye kwasasaza kwezona ofisi zikhethiweyo zibalaseleyo. Nangona kunjalo, iinkampani ezibandakanyekayo azenzanga nto ingako ngokwazo, kuba babecinga ukuba ezo MFIs ziya kuthengisa iimveliso zazo. Nangona kunjalo, amagosa emali-mboleko awona mashishini abalaseleyo ayengenamdla wokukhula okanye kwiimveliso ezintsha kwaphela. Ngapha koko, babeqhuba kakuhle. Emva koko umlawuli usenokuzibophelela, kodwa phantse akukho nto yenzekayo entsimini.

Kwelinye icala, kukho impumelelo eninzi kwiinkampani ezisebenza ngokuthe ngqo nabaxhasi bezimali ababuthathaka, njengamaqela olondolozo olusesikweni nolungekho sikweni, IiSACCOs, amaqela amafama obisi, kwanamaqela awayezilungiselela ngokuzithandela yaye eqokelela imali ngokuzithandela. Kuhambe kakuhle kakhulu xa ummeli weenkampani zesola ebaleni esebenza ngokuthe ngqo namagosa emali-mboleko okanye abaququzeleli bolu londolozo-mali.- kunye namaqela amatyala. Kubo yaba luhlobo lwentengiso yeqela elidibeneyo.

Izifundo

1. Intsebenziswano eyimpumelelo kunye nee-microfinancers ekusasazeni iinkqubo zamandla elanga, ngokwenene kuxhomekeke kuphela kwintsebenziswano enomdla kunye nenzulu phakathi kommeli wenkampani yamandla elanga ebaleni kunye nabo banxibelelana nabasebenzisi bokugqibela malunga nenkxaso-mali..
2. Amandla ombutho we-microcredit ngokwawo ayengabalulekanga. Nangona kunjalo, iqabane elinamandla le-MFI lalinethuba elikhulu lokungaphumeleli, kuba bekukho kugxininiso olungakumbi kukubaluleka kwezopolitiko zamandla elanga kwaye kuncinci kunxibelelwano kwintsimi.

Ngokubhekele phaya:
Inenekazi elingasekhohlo emfanekisweni, UChristine, ngumthengisi wamandla elanga omncinci olungileyo kakhulu eMakasa. Uphumelele ekuphuhliseni ubambiswano oluhle kunye nenkokeli yemarike i-UML ngokusebenza ngokuthe ngqo namagosa emali-mboleko. Umphathi weofisi yesebe encinane wayibhalisa phantsi komxholo “iimali-mboleko zokuphucula ikhaya”. Kwangaxeshanye, i-ofisi eyintloko ye-UML izama ukuqalisa ukusebenza ngeemali-mboleko zelanga kweyona shishini labo ingcono yasilela kwaphela.. Ngoko yasebenza kumgama ongamakhulu ambalwa eekhilomitha, ngaphandle kokuba undlunkulu aqaphele, kwaye ndiyabulela ngomsebenzi omhle kaChristine.

Umbhali: UFrank van der Vleuten

SHIYA IZIMVO