I-AXIAN ne-AfDB bethule uhlelo lwama-MSME angu-34,000 aholwa ngabesifazane

Okushintshile

Ngokombiko we-TechTrends Kenya, i-AXIAN Group ne-African Development Bank bethule uhlelo oluqondiswe kuma-MSME angaphezu kuka-34,000 aholwa ngabesifazane eMadagascar, eTanzania naseSenegal, lusebenzisa amapulatifomu e-Mixx ne-MVola e-AXIAN. I-AFAWA ne-We-Fi, ezisekelwa yi-AfDB, zisiza ngemikhiqizo yezezimali zedijithali, izinsiza zebhizinisi nokuqeqeshwa kwamakhono; olunye uhlelo luhlose ukuqeqesha abesifazane abangu-25,000 kula mazwe amathathu kanye naseTogo naseComoros.

Kungani lokhu kubalulekile

Lesi yisindaba yokufinyelela emakethe, efihlwe yisimemezelo sezezimali. Umbuzo obalulekile uthi i-Mixx ne-MVola zingawaguqula yini ama-akhawunti eselula abe ngamathuluzi asebenzayo okuqhuba ibhizinisi: indlela yokwamukela izinkokhelo, ukwakha amarekhodi emisebenzi yokukhokha futhi, kumafemu afanele, ukuthola imali ebolekiswayo ngaphandle kokuhlangabezana kuqala nezimfuneko zamabhange ajwayelekile.

Ukubheka kwethu phambili (ukuqagela okunolwazi): ukubhaliswa nokusetshenziswa kwezinkokhelo cishe kuzofika ngaphambi kokuba ikhredithi ewusizo kubantu abaningi itholakale. Nalokho kubalulekile. Ibhizinisi elidlulisela izinkokhelo zalo ezijwayelekile epulatifomini yedijithali lingenza ukuhamba kwemali kwalo kucace kakhudlwana, kodwa ukubaluleka kohlelo kuzoncika ekutheni imikhiqizo eyenzelwe izidingo ezithile iyathengeka futhi iyafinyeleleka yini, kunokuba ivele ibe khona nje ephepheni.

Imiphumela ingasabalala kanjani

Uma amabhizinisi afanele ethola amandla asebenzayo okukhokha noma uxhaso lwezezimali, angakusebenzisa ukuthenga isitoko nokukhokhela abahlinzeki. Lokho kungase kwenze uku-oda nokukhokhelana kubikezelwe kakhudlwana kubahlinzeki nasemakhasimendeni ezinyangeni eziyi-6–12 ezizayo.

Lolu chungechunge lungaphazamiseka uma ukubhaliswa kubuthaka, imigomo yokuboleka ikhipha iningi lababambiqhaza ngaphandle, izimfuneko zokubuyisa imali ebolekiwe zenza abantu bangafuni ukuyisebenzisa, noma amabhizinisi eqhubeka nokuthembela emalini engukheshi nasezimalini ezingahlelekile.

Ukuhlolwa komthelela

Ama-MSME aholwa ngabesifazane ezimakethe ezintathu zokuqala angase athole izindlela ezintsha zokwenza izinkokhelo, zokuboleka nezokuthola ukwesekwa kwebhizinisi ngaphandle kweziteshi zezimali ezijwayelekile. Abesifazane abangu-25,000 abahlelelwe ukuqeqeshwa emazweni amahlanu bangase bathole amakhono asebenzayo kwezezimali nakwedijithali, ngisho nasezindaweni lapho imikhiqizo yezezimali ingakacaciswa khona.

Izinkampani ezisebenza endaweni ngaphansi kwe-AXIAN zibhekene nomsebenzi onzima kakhulu: ukubhalisa abantu ohlelweni, ukuqeqesha nokuhlinzeka ngosizo. Abahlinzeki abajwayelekile abasebenzela amabhizinisi amancane bangase babhekane nesiteshi esisha esincintisanayo uma ukuhlolwa kwekhredithi okuhlukile sekusebenziseka ngempela. Abahlinzeki bangase bazuze ekuthengweni okuzinzile, kodwa kuphela uma uxhaso lwezezimali lufinyelela emafemini futhi lusetshenziselwa ukuqhuba umsebenzi wawo.

Izimo ezingase zenzeke

Okungenzeka kakhulu: Uma ukusetshenziswa kohlelo ezindaweni ezithintekayo kufinyelela engxenyeni ebonakalayo yezinhloso, izinyanga eziyi-6–12 ezizayo zizoletha ukubhaliswa ohlelweni, ukuqeqeshwa nokwanda kokusetshenziswa kwezinkokhelo zedijithali ngaphambi kokuba kube noshintsho olukhulu ekutholeni ikhredithi. Amafemu aqeda ukubhaliswa angadlulisela imisebenzi yawo yokukhokha ejwayelekile ku-Mixx noma ku-MVola, kuyilapho izimfuneko zokufaneleka nemigomo yemikhiqizo kukhawulela ukuboleka kwawo wonke umuntu. Izinombolo zababambiqhaza ababhalisiwe, ukusetshenziswa okusebenzayo kwezinkokhelo nemibandela eshicilelwe kungasekela lo mbono.

Okungcono kakhulu: Uma ukuhlolwa kwekhredithi okuhlukile kukhiqiza imikhiqizo ethengekayo nesebenzisekayo ngezinga elikhulu, amafemu abamba iqhaza angaxhasa ukuthengwa kwesitoko njalo futhi agcine amarekhodi edijithali aqinile okusebenza kwawo. Lokho kungajulisa ukusebenzisa kwawo iziteshi zokukhokha abahlinzeki namakhasimende. Ukwanda okuqhubekayo kokuboleka kanye nomsebenzi wokukhokha wamabhizinisi kungakhomba kule ndlela.

Okubi kakhulu: Uma ikhredithi ingafinyeleleki ngale kokuqeqeshwa, lolu hlelo lungase luthuthukise amakhono ikakhulukazi, kuyilapho amafemu avinjelwe ukushoda kwemali engakwazi ukuguqula izinqumo zawo ngesitoko, ukuqasha noma ukwenziwa ngokusemthethweni. Izibuyekezo ezigxile ekuqeqeshweni ngaphandle kokusetshenziswa okusebenzayo kwemikhiqizo yezezimali zinganciphisa ubufakazi boshintsho olubanzi endleleni amabhizinisi asebenza ngayo.

Okufanele kubhekwe ngokulandelayo

• Imigomo yokufaneleka, amanani nemibandela yokuboleka evela ku-AXIAN, Mixx, MVola noma i-AfDB.
• Izinombolo zokubhaliswa nokusetshenziswa okusebenzayo uma kuqhathaniswa nenhloso yamabhizinisi angu-34,000.
• Izinombolo zokulethwa noma zokuqedwa koqeqesho eMadagascar, eTanzania, eSenegal, eTogo naseComoros.