Inhloso

Inhloso bekuwukusheshisa ukusabalala kwezinhlelo zamandla elanga e-Uganda ngokwakha ubudlelwano phakathi kwezinkampani zamandla elanga ezingeni likazwelonke kanye nabaxhasi bezimali abahamba phambili ezweni..

Indlela yokwenza

Ngingene ezingxoxweni nabo bonke abasabalalisi belanga abanohlonze ukuze ngibavumele bangene kuphrojekthi yabo yokubambisana nenkampani yezimali ezincane okuhloswe ngayo ukuthuthukiswa kwezimakethe zasemakhaya.. Indlela yahlukaniswa yaba 3 isigaba: (1) ubufakazi bemodeli yebhizinisi emkhakheni, (2) ukukhulisa, phakathi (3) ukuphindaphinda.

Ekugcineni, zikhona 6 ubudlelwano baqala. Ngemva kokuqala amaphrojekthi, indima yethu yayigxile ekuqapheni nasekuqeqesheni.

Umphumela

Ubambiswano nosomabhizinisi abancane abathathu abangcono kakhulu abuzange buveze imiphumela. Abaphathi baba nomdlandla kakhulu futhi lokhu kwagqama nasemahhovisi akhethiwe angcono kakhulu. Nokho, izinkampani ezihilelekile azenzanga okuningi ngokwazo, ngoba ngokusobala babezitshela ukuthi lawo ma-MFI azodayisa imikhiqizo yawo. Kodwa-ke, izikhulu ezibolekisa ngemali ezimbonini ezihamba phambili zazingenantshisekelo yokukhula noma imikhiqizo emisha nhlobo. Phela base behamba kahle. Khona-ke umqondisi usengazinikela kanjalo, kodwa cishe akwenzeki lutho ensimini.

Ngakolunye uhlangothi, kube nempumelelo eningi ngezinkampani ezisebenza ngqo nabaxhasi bezimali ababuthaka, njengamaqembu okonga ahlelekile nangekho emthethweni, Ama-SACCO, amaqembu abalimi bobisi, ngisho namaqembu ayezihlela ngokuzithandela futhi eqoqa imali ngokuzithandela. Kwahamba kahle kakhulu lapho ummeleli wezinkampani zesola embonini esebenza ngokuqondile nabaphathi bemalimboleko noma abaxhumanisi balokho kongiwa.- namaqembu ezikweletu. Kubo kwaba uhlobo lokudayiswa kweqembu elihlangene.

Izifundo

1. Ukusebenzisana okuyimpumelelo nosozimali abancane ekusakazeni izinhlelo zamandla elanga, empeleni kuncike kuphela ekusebenzisaneni okunomdlandla nokujulile phakathi kommeleli wenkampani yamandla elanga emkhakheni kanye nalabo abaxhumana nabasebenzisi bokugcina mayelana nokuxhasa ngezimali..
2. Amandla enhlangano ye-microcredit ngokwayo ayengenamsebenzi. Nokho, bekukhona ithuba elikhulu lokuhluleka nozakwethu we-MFI onamandla, ngoba bekugxile kakhulu ekubalulekeni kwezombangazwe kwamandla elanga futhi kuncane ekuxhumekeni emkhakheni.

Ngokuqhubekayo:
Inkosikazi engakwesobunxele esithombeni, UChristine, umthengisi wamandla elanga omncane omuhle kakhulu eMakasa. Uphumelele ukwakha ubudlelwano obuhle nomholi wemakethe i-UML ngokusebenzisana ngqo nezikhulu ezibolekisa ngemali. Umphathi wehhovisi legatsha elincane wabe esebhalisa imali ebolekiwe ngaphansi kwesihloko “imalimboleko yokuthuthukisa ikhaya”. Ngaso leso sikhathi, imizamo yekomkhulu le-UML yokuqala ukusebenza ngemali mboleko yelanga embonini yabo ehamba phambili ayizange iphumelele nhlobo.. Ngakho yasebenza emakhilomitheni ambalwa ukusuka, ngaphandle kokuthi indlunkulu ibone, futhi sibonga umsebenzi omuhle kaChristine.

Umbhali: UFrank van der Vleuten

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