Kiva - Lend for Good
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Mayelana nalolu hlelo lokusebenza
Amaphupho akhona jikelele - ithuba alikho. Ungakwazi ukuvulela abantu ithuba lokungena ebhange - noma ngabe usomabhizinisi, umfundi, umlimi, umama ongayedwana noma umbaleki. Boleka imali encane engu-$25 emalinimboleko yemali encane ku-Kiva futhi wenze umthelela omkhulu ngokuboleka kabusha imali yakho ngokuphindaphindiwe. Joyina umphakathi wethu wabantu abayizigidi ezingu-1.9 abaxhaswe ngemali ebolekiwe engu-$1.4 wezigidigidi kubaboleki abayizigidi ezingu-3.4 emazweni angaphezu kuka-90.
Isebenza kanjani i-Kiva:
1. Khetha obolekayo - Phequlula ngezigaba futhi uthole usomabhizinisi ongamsekela.
2. Yenza imali ebolekiwe - Siza ukuxhasa ngemalimboleko ngemali encane efika ku-$25.
3. Thola inkokhelo - Ababolekayo be-Kiva banesilinganiso sokubuyisela esingu-96% ngokomlando.
4. Phinda - Bolekisa imali yakho noma ukhiphe imali yakho.
Sibona ngeso lengqondo umhlaba obandakanya wonke umuntu ngokwezezimali lapho bonke abantu benamandla okuthuthukisa izimpilo zabo.
Abantu abangaphezu kwezigidigidi ezingu-1.7 emhlabeni wonke abanamabhange futhi abakwazi ukufinyelela izinsiza zezezimali abazidingayo. I-Kiva iyinhlangano engenzi nzuzo yamazwe ngamazwe, eyasungulwa ngo-2005 e-San Francisco, enomgomo wokwandisa ukufinyelela kwezezimali ukuze isize imiphakathi enganakiwe ichume.
Senza lokhu ngokubolekisa ngemali eningi kanye nokuvula imali yabangasebenzi kahle, sithuthukise ikhwalithi nezindleko zezinsizakalo zezezimali, futhi sibhekane nezithiyo ezikhona zokufinyelela imali emhlabeni wonke. Ngomsebenzi kaKiva, abafundi bangakwazi ukukhokhela imali yokufunda, abesifazane bangaqala amabhizinisi, abalimi bayakwazi ukutshala imali ezintweni zokusebenza futhi imindeni ingakwazi ukukhokhela usizo oluphuthumayo oludingekayo.
Ngokuboleka imali encane engu-$25 ku-Kiva, ungaba yingxenye yesixazululo futhi wenze umehluko wangempela empilweni yothile. U-100% wedola ngalinye olibolekayo ku-Kiva liya emalini ebolekiwe.
IMBOLEKO, HAYI UMNIKELO
Sikholelwa ukuthi ukuboleka eceleni kwezinkulungwane zabanye kungenye yezindlela ezinamandla nezisimeme zokudala okuhle kwezomnotho nezenhlalo. Ukuboleka ku-Kiva kudala ubambiswano lwesithunzi futhi kwenza kube lula ukuthinta izimpilo eziningi ngedola elifanayo. Faka imali ebolekiwe, ukhokhelwe, xhasa enye.
UKHETHA LAPHO ONGAWUWENZA KHONA UMTHELELA
Noma ngabe uboleka abangani emphakathini wakho, noma abantu abaphakathi nendawo emhlabeni (futhi kwabaningi, kuyikho kokubili), i-Kiva idala ithuba lokudlala indima ebalulekile endabeni yomunye umuntu. E-Kiva, imali mboleko ayigcini nje ngemali-iyindlela yokudala ukuxhumana nobudlelwano.
UKUPHUSHA IMIGWELO YEMBOLEKO
U-Kiva waqala njengephayona ekuqoqeni imali ngo-2005, futhi uhlala esungula izinto ezintsha ukuze ahlangabezane nezidingo zabantu ezihlukene zokuboleka. Kungakhathaliseki ukuthi kusungulwa kabusha i-microfinance ngemibandela evumelana nezimo, ukusekela amaphrojekthi omphakathi wonke noma ukwehlisa izindleko kubaboleki, sihlala sihlola futhi sifunda.
UKUPHAKAMISA OYEDWA, UKUPHAKAMISA ABANINGI
Lapho imali ebolekiwe ye-Kiva yenza umuntu akwazi ukukhulisa ibhizinisi futhi azidalele ithuba, idala amathuba nakwabanye. Lowo mphumela ungalolonga ikusasa lomndeni noma lomphakathi wonke.
Funda kabanzi mayelana nokuthi i-Kiva isebenza kanjani lapha: https://www.kiva.org/about/how
Umusho wokuzihlangula: Uhlelo lokusebenza lwe-Kiva alunikezi imali mboleko yomuntu siqu kubasebenzisi. Ukuze uthole ulwazi olwengeziwe mayelana nemalimboleko ye-Kiva, sicela uvakashele ku-https://www.kiva.org/help
Isebenza kanjani i-Kiva:
1. Khetha obolekayo - Phequlula ngezigaba futhi uthole usomabhizinisi ongamsekela.
2. Yenza imali ebolekiwe - Siza ukuxhasa ngemalimboleko ngemali encane efika ku-$25.
3. Thola inkokhelo - Ababolekayo be-Kiva banesilinganiso sokubuyisela esingu-96% ngokomlando.
4. Phinda - Bolekisa imali yakho noma ukhiphe imali yakho.
Sibona ngeso lengqondo umhlaba obandakanya wonke umuntu ngokwezezimali lapho bonke abantu benamandla okuthuthukisa izimpilo zabo.
Abantu abangaphezu kwezigidigidi ezingu-1.7 emhlabeni wonke abanamabhange futhi abakwazi ukufinyelela izinsiza zezezimali abazidingayo. I-Kiva iyinhlangano engenzi nzuzo yamazwe ngamazwe, eyasungulwa ngo-2005 e-San Francisco, enomgomo wokwandisa ukufinyelela kwezezimali ukuze isize imiphakathi enganakiwe ichume.
Senza lokhu ngokubolekisa ngemali eningi kanye nokuvula imali yabangasebenzi kahle, sithuthukise ikhwalithi nezindleko zezinsizakalo zezezimali, futhi sibhekane nezithiyo ezikhona zokufinyelela imali emhlabeni wonke. Ngomsebenzi kaKiva, abafundi bangakwazi ukukhokhela imali yokufunda, abesifazane bangaqala amabhizinisi, abalimi bayakwazi ukutshala imali ezintweni zokusebenza futhi imindeni ingakwazi ukukhokhela usizo oluphuthumayo oludingekayo.
Ngokuboleka imali encane engu-$25 ku-Kiva, ungaba yingxenye yesixazululo futhi wenze umehluko wangempela empilweni yothile. U-100% wedola ngalinye olibolekayo ku-Kiva liya emalini ebolekiwe.
IMBOLEKO, HAYI UMNIKELO
Sikholelwa ukuthi ukuboleka eceleni kwezinkulungwane zabanye kungenye yezindlela ezinamandla nezisimeme zokudala okuhle kwezomnotho nezenhlalo. Ukuboleka ku-Kiva kudala ubambiswano lwesithunzi futhi kwenza kube lula ukuthinta izimpilo eziningi ngedola elifanayo. Faka imali ebolekiwe, ukhokhelwe, xhasa enye.
UKHETHA LAPHO ONGAWUWENZA KHONA UMTHELELA
Noma ngabe uboleka abangani emphakathini wakho, noma abantu abaphakathi nendawo emhlabeni (futhi kwabaningi, kuyikho kokubili), i-Kiva idala ithuba lokudlala indima ebalulekile endabeni yomunye umuntu. E-Kiva, imali mboleko ayigcini nje ngemali-iyindlela yokudala ukuxhumana nobudlelwano.
UKUPHUSHA IMIGWELO YEMBOLEKO
U-Kiva waqala njengephayona ekuqoqeni imali ngo-2005, futhi uhlala esungula izinto ezintsha ukuze ahlangabezane nezidingo zabantu ezihlukene zokuboleka. Kungakhathaliseki ukuthi kusungulwa kabusha i-microfinance ngemibandela evumelana nezimo, ukusekela amaphrojekthi omphakathi wonke noma ukwehlisa izindleko kubaboleki, sihlala sihlola futhi sifunda.
UKUPHAKAMISA OYEDWA, UKUPHAKAMISA ABANINGI
Lapho imali ebolekiwe ye-Kiva yenza umuntu akwazi ukukhulisa ibhizinisi futhi azidalele ithuba, idala amathuba nakwabanye. Lowo mphumela ungalolonga ikusasa lomndeni noma lomphakathi wonke.
Funda kabanzi mayelana nokuthi i-Kiva isebenza kanjani lapha: https://www.kiva.org/about/how
Umusho wokuzihlangula: Uhlelo lokusebenza lwe-Kiva alunikezi imali mboleko yomuntu siqu kubasebenzisi. Ukuze uthole ulwazi olwengeziwe mayelana nemalimboleko ye-Kiva, sicela uvakashele ku-https://www.kiva.org/help
Kubuyekezwe ngo-
Ukuphepha kuqala ngokuqonda ukuthi onjiniyela baqoqa futhi babelane kanjani ngedatha yakho. Ubumfihlo bedatha nezinqubo zokuphepha zingahluka kuye ngokusebenzisa kwakho, isifunda, nobudala. Unjiniyela unikeze lolu lwazi futhi angalubuyekeza ngokuhamba kwesikhathi.
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Made improvements to the app to improve reliability.
