Microloans for Business
Posted on Nov 29, 2000 08:15:27 AM
Mini-loan – the start of the business. Almost a quarter of people in Russia dreams about her own case. But only 5% become entrepreneurs.
The reason for low business activity of the population – in the unavailability of credit. Lifeline for novice businessmen are microloans.
In Russian cities with a population of 20 to 70 thousand people are often absent, not only banks but also their subsidiaries. The most pressing challenge is to ensure physical access to credit. Is the most popular size of the micro – 30 40 000 rubles. Maximum amount – three hundred thousand rubles.
Despite the high demand for microcredit, demand remains unsatisfied.
– Loans of up to 300 thousand rubles uninteresting for large banks, they are costly in terms of service – said the president of the Center microfinance Paul Segal. – And there is no secondary resources for their extradition.
Mikrodengi
Provide access points allow microfinance loans, which act as an intermediary between the bank and the entrepreneur. Centre borrows money from banks and distributes them through a developed network of branches.
– For the smallest and small businesses that takes a relatively small amount, is not so important in its interest rate as possible to get money here and now and it is desirable for a longer period of time – says Segal.
Entrepreneurs usually need the money “here and now and for the period from 5 to 7 years. Center microfinance take these risks themselves, so their rate is higher srednebankovskoy.
Potrebkredit
Private entrepreneurs or owners of small firms in the case of urgent need of money taking consumer loans. In this case, the parent company acts as a natural person. But the stop sign is a high interest rate – from 40 to 60%.
The popularity of consumer loans to entrepreneurs are not left without attention to the city authorities.
First Deputy Head of Department for Support and Development of Small Business of Moscow, Alexander Karpov believes that banks could implement a special product – consumer loans to entrepreneurs. However, while this initiative exists only at the level of ideas.
Source: The News Media Rus
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