"Credit Professional": Izibuyekezo Inkampani

Mhlawumbe hhayi ndoda yayingasoze baye baba nezinkinga zezimali. izinkinga Imali ezibhekene bonke abantu futhi kaningi. Kwabaningi, kuba loan kwangigcina, ethathwe microfinance inhlangano "Pro Credit". Ukubuyekeza, imigomo yemali, ezicashile design - konke lokhu kufanele zihlolwe kusengaphambili kulabo uhlela iyasebenza kule nkampani.

Inkampani Isingeniso

Inhlangano microfinance uvele Russia ngoJulayi 2013. Nokho, lokhu usuku akulona usuku ekusungulweni inkampani. Eqinisweni, okusebenza isikhathi eside - eminyakeni engaphezu kuka-20. Inhlangano kusukela buqala bekuyingxenye Profireal Group. Leli qembu usebenza emazweni angaphandle njenge Bulgaria, Poland, Slovakia, eCzech Republic, kanye eminyakeni embalwa edlule, wanquma ukwethula amasevisi abo Russian microfinance futhi credit emakethe.

Phakathi nayo yonke iminyaka khona salo eRussia, inkampani uye savela, ukwandisa imisebenzi yabo. Ngo-2014, njengoba kufakazelwa lobuya "Pro Credit" Petersburg (Petersburg) wavula Amahhovisi 2. Ngo-2015, inhlangano iqala umsebenzi wayo kwezinye ezindaweni eziningana: Kolpino, Novgorod, Pskov, Petrozavodsk. Ngo-2016, inani lamahhovisi liye lenyuka. Izibuyekezo yaqala ukubonakala kwi "Pro Credit" e Samara, Tver, Togliatti, Arkhangelsk, Nizhny Novgorod, Saratov. Njengamanje, ngokusobala ukuvulwa kwaleyo Amahhovisi uyaqhubeka. Inkampani liyaqhubeka liqinisa isikhundla salo microfinance futhi credit emakethe.

imikhiqizo ahlinzekwa

Inhlangano "Pro Credit" inikeza amaklayenti ayo sokubolekwayo. Lo mkhiqizo kule nkampani imelelwa zinhlobo ezimbili:

1. "Pros Comfort". Lolu hlobo lwe-loan inikeza amakhasimende imali nenani ayizinkulungwane 10 kuya 50 noma 80 eziyinkulungwane. Igama elithi kungenziwa isethwe kusukela 3 izinyanga ezingu-12. Izinga lenzalo yemali mboleko kunqunywa ngamunye futhi zokhahlamba kusuka 0.45% ngosuku.
2. "Pros Ndawonye". Lolu hlobo lwe-loan kufanelekile abantu abafuna ukuboleka isizumbulu semali ukuze eside. Ukwahlulela ukubuyekezwa, "Pro Credit" linikeza amakhasimende ayo kusukela kwezingu-20 ruble angu-100 noma angu-200 eziyinkulungwane. I sivumelekile period - kusuka 18 kuya 36 izinyanga, futhi inani lenzalo - kusuka 0.12% ngosuku.

Isibonelo loan "Pro Credit"

Ukuze uqonde izimo ngokunginika izimali ezikweletini, cabanga ngesibonelo loan. Indoda efuna ukusebenzisa umkhiqizo "Pros Comfort". ukubolekisa Ngaphambili, wayengakaze ethathwe inkampani, okusho ukuthi inani lemali ngoba - ruble ayizigidi 50. Ake ucabange ukuthi umuntu ufuna ukuhlela loan - ruble ayizigidi 15 izinyanga ezingu-6. izinkokhelo Ubude ku isamba semalimboleko ruble 32 000 964. inkokhelo yanyanga zonke kuyoba ulingana ruble ayizigidi 5 494.

Ukuze amakhasimende njalo inani lenzalo aphansi. Uma kudingeka bathathe umthamo ofanayo for sikhathi, ukukhokha inani ngeke azisizi ruble 28 000 764. inkokhelo yanyanga zonke kuyoba ama-ruble ayizigidi 4 794.

Izimfuneko ababoleka

Microfinance Inkampani "Pro Credit" ihlose ukusiza izakhamuzi zezwe lethu abadinga imali. Ngesikhathi esifanayo kudinga ukunakekelwa ukusebenza yayo futhi ayinikeze ukubolekisa kubantu ezingaziwa. It ziwumthwalo nezimfuneko ezithile ku ababoleka. Okokuqala, ubudala ikhasimende akumele kube ngaphansi kuka-26 futhi ngeke iminyaka engaphezu kwengu-64.

Okwesibili, lo muntu obolekayo aphile kulowo muzi, lapho kukhona ihhovisi microfinance, njengoba kushiwo ukubuyekeza "Pro Credit" (Nizhny Novgorod, isibonelo). Lesi simo kuyadingeka ngoba ikhasimende ngemvume isicelo esabelwa umhlangano umphathi wenhlangano lokusayina imiqulu.

Okwesithathu, inkampani ubambisana kuphela solvency ka umboleki. Abantu abeza "Pro Credit" woza, ubudala isiyonke kumele ibe okungenani ezinyangeni ezingu-12, futhi endaweni samanje umsebenzi - okungenani izinyanga 3. Kwezinye izimo, ikhono lazo akhokhe kufanele uqinisekise. Lapho ukubolekisa ngemali e nenani amakhasimende engaphezu kwengu-75 eziyinkulungwane inikeze isitatimende engenayo on Form 2-PIT.

Izigaba processing loan

Njengoba nokubuyekezwa, e "Pro Credit" ukucutshungulwa loan inqubo unezigaba eziningana:

1. Ukugcwalisa ifomu nge igama kanye nesibongo, usuku lokuzalwa, inombolo yocingo, indawo yokuhlala kanye nokubhaliswa.
2. Ngemuva kokuthumela lemibuzo ukuze consultant umboleki aphinde ashaye ucingo. Ucacisa ulwazi olufanele ngokubuza imibuzo.
3. Ngemuva kwemvume isicelo esabelwa umhlangano consultant. It kuyodingeka asayine wonke amaphepha adingekayo ukuze simazi kangcono esimisweni izinkokhelo. Ngemva kokubhaliswa izibambiso izimali zidluliselwa ku-akhawunti yasebhange siqu.

Ukubuya loan ukuba inkampani "Pro Credit"

I loan esithathwayo esikhungweni microfinance, ibuyisela njalo ngenyanga ngokuhambisana ishejuli yenkokhelo. Ukuze ukubuyiswa kwemali, ungasebenzisa eyodwa yezindlela ezimbili. Indlela yokuqala - ukusetshenziswa yokukhokha ezikhumulweni "Jcb". Ayikho ikhomishini lizokhokhiswa. Into eyodwa sikhumbule - wenza imali iya ku-akhawunti yenkampani lungakapheli usuku 1. Ukuthi kwakungekho ukubolekisa sekwephuzile, kungcono ukuthumela inkokhelo kusengaphambili.

Eyesibili indlela buyiselo imalimboleko - ukuthumela i-EFT. Lokhu kungenziwa kunoma yiliphi ibhangi noma ngokusebenzisa ibhange ku-intanethi. I eliqinisekisiwe yokudlulisa. Ubukhulu bayo kunqunywa nemibandela ebhange ethile. Kubalulekile ucabangela ukuthi imali kufanele zifakwe kungaba izinsuku eziningana.

Uma isikhathi sokukhokha wakha isimo eziyinkimbinkimbi zezimali, futhi izandla yemali, ukuthi ngenye yezindlela. Amakhasimende isicelo loan ne amaphasela amasevisi angase bazuze kukho ekhethekile, umnkantsha yokukhokha. Ngenxa yalesi, abasebenzisi bayakwazi ukukhokha loan kamuva. Inhlawulo kungukuthi icala ngalesi sikhathi. Uma loan yakhishwa ngaphandle iphakethe, kungashiwo exhunywe nganoma isiphi isikhathi ngemali eyengeziwe.

Positive Izibuyekezo ikhasimende

Abantu abaningi kakhulu ushiye okubuyayo mayelana nenkampani "Pro Credit". Amakhasimende ukujabulela izinzuzo ukuthi inhlangano microfinance has:

• ukukhishwa loan nge okungenani imibhalo kanye imicikilisho;
• ukucabangela ngokushesha isicelo - isikhathi esisukela mzuzu ukuthumela ulwazi lomuntu siqu kokuthola imali ayeqi amahora angu-24;
• ongaphakeme zenzalo;
• elula yokukhokha imigomo - 1 isikhathi ngenyanga;
• ukukhethwa izimo loan elula kunazo ngokuphathelene lemali kanye nesikhathi;
• kungenzeka buyiselo zakuqala imalimboleko.

amaklayenti Abaningi ukubonga abasebenzi yenkampani. Ngokusho kwabo, a consultant microfinance inhlangano bekulungele ukuchaza amaphuzu usithe ukusiza sithathe izimo loan, uma kudingeka, isibonelo, ukuthatha imali isikhathi big futhi imali encane. Futhi, amaklayenti bayabonga ithemba. Abaningi babo banqatshelwe yokubhalisa imali amabhange kanye "Pro Credit" loan sivunyiwe.

Negative Izibuyekezo ikhasimende ku "Pro Credit"

I "Pro Credit", kanye nanoma yimuphi omunye microfinance isikhungo, kukhona Izibuyekezo ezingezinhle. Ngokuvamile basuke kwesokunxele abakweletayo. Bayakhononda mayelana izingcingo njalo izidingo inkampani ukukhokha izikweletu. Kodwa lapha kuyafaneleka ukuthi izenzo ezinjalo akukho kwemvelo. Inhlangano microfinance nje ufuna ukuyibuyisela ukuthi anabo. Esimeni izimo ezinjalo, lowo ababoleka basolwe, ngoba abazange athobele inkontileka esayinwe.

Okwashiwo engeyinhle uhlamvu amaklayenti esekhala ngokweqile ezinkulu. Lokhu kuyiqiniso, kodwa kubantu ulwazi akukhona ezifihliwe. Ekuqaleni, amakhasimende azi ukuthi uya ngaphi. Banikwa ithuba kuwebhusayithi esemthethweni inkampani ukusizakala wokubala inthanethi ukubala ngosizo lokukhokha yakhe ngenyanga, inani ukubuyela. Ulwazi Ngamanani elicacisiwe inkontileka, nokuthi emhlanganweni consultant esayina loan umsebenzisi ngamunye.

"Pro Credit": lobuya abasebenzi mayelana nenkampani

Inhlangano microfinance "Pro Credit" awabhekiseli nje kuphela ngokuthola loan, kodwa yayihlanganisa nokuthi bakwazi ukuthi baqasheke. Abasebenzi abasebenze lapha izinyanga ezimbalwa noma iminyaka, sokukhuluma kahle mayelana nendawo yabo yomsebenzi futhi ameme abantu abasha eqenjini, ngokuletha izinzuzo inkampani ekhona. Nalu uhlu:

• imvume ngaphansi Labor Ikhodi WaseRussia;
• nokukhokhwa amabhonasi;
• yamaholo aphakeme.

ithuba Ukhulume ekukhuleni professional ukubuyekeza "Pro Credit". Abasebenzi Petersburg nakwamanye amadolobha Russian ukukhuluma ngakho. Ngokwesibonelo, omunye wabo e Ukubuyekeza yakhe ngiziqhayise impumelelo. Wathi lapho ngisaqala emsebenzini wakhe, + wayeneminyaka ngumxhumanisi njalo kuya "Pro Credit". umsebenzi obusebenzayo izinkampani microfinance kanye self-ukuthuthukiswa baye bavumela kuye ukukhuphuka isitebhisi umsebenzi - ukuthi ube ngumphathi enhlanganweni indawo leqembu.

Ekuphetheni, kuyafaneleka ukuthi inkampani microfinance "Pro Credit" Ngesikhathi kunzima zezimali ungakwazi ngempela kube "Wand eliwumlingo". Futhi ukuthi azikho izingxabano nokungezwani, kubalulekile kuphela ukugcina imithetho yesivumelwano esisayinwe, ukusebenzisa isevisi imalimboleko simisiwe ngokungabi bikho imali ukwenza inkokhelo yanyanga zonke. Uma kusukela ekuqaleni kukhona ukungabaza ukuthi loan uzokwazi ukukhokha ke inkampani akufanele uyikhokhe. Inani ezenzakalelayo kungase kwandise by izikhathi eziningana.