Kiva, kushandiswa kwetekinoroji uye micropayments kubatsira vazhinji
Kiva Icho chiitiko chevanozvipira avo muna 2005 vakagadzira chirongwa chakavakirwa pama micropayments vachishandisa izvo zvinogona kupihwa netekinoroji ikozvino. Pakupedzisira rakava sangano reSan Francisco-risingabatsiri, rine chinangwa chekubatanidza vanhu kuburikidza nezvikwereti kudzikisira hurombo. Achishandisa Indaneti uye netiweki yepasi rese yemabhizimusi emari, Kiva anotendera vanhu kukweretesa mari inosvika madhora makumi maviri nemashanu kuti vabatsire kugadzira mikana pasirese, sekuratidzira muenzaniso unotevera:
Chido: Kune mukadzi uyo ari pamakiromita e200 kubva kuLima, anoda chikwereti chemadhora e900 kuti ape zvokudya zvake zvidhori, uye anoda kuzvibhadhara.
Mukana: Kune vanhu munzvimbo zhinji dzepasi vanove vangade kupa madhora gumi nemashanu kumabasa akaita seizvi, kana achivabhadhara. Mumwe zana remadhora, imwe makumi masendi, nezvimwe. Uye zvinotonyanya kukwezva kana iwe uchizodzoka sechikwereti.
Mhinduro: Kiva akaisa chikuva kuburikidza icho vanhu vanogona kuona dhata remukadzi, mamiriro ake ehupfumi, nharaunda yake, izvo zvaanoshuvira, uye kupa chero chiri kuda. Kana vazhinji vakawedzera uye vasvika pachinangwa, mukadzi anotambira mari, osayina chibvumirano chekubhadhara nekambani yemicrofinance inosimudzira chirongwa ichi muPeru, uye achange achibhadhara pamwedzi. Iye anogamuchira chikwereti chake, uye avo vakamukweretesa vanozochidzorera.
Iyi inzira inonakidza kune avo vanoshuvira zvikwereti uye zvakare kune avo vane madhora mashoma ekuti panzvimbo pekuapa kune mweni pakona yerobhoti inogona kubatsira vanhu kuti vafambire mberi. Mese mapurojekiti anoshanda munzira dzekuvandudza kwevanhu, senge kuvandudzwa kwemisha, kusimbiswa kwemabhizimusi madiki, kupedzwa kwezvidzidzo kana matsva matsva.
Ini ndinoda modhi: Tsvaga chaunoda, chikweretese, ubhadharwe, chiite zvakare. Kunyangwe ini ndiri kushamisika kuti vakaunza sei yakapusa zano kune yepasirese nharaunda.
Nokufamba kwenguva Kiva yakasvika kune vanhu vanopfuura 800,000, kubva kune 62 nyika dzakasiyana, pamusoro pe 330 mamiriyoni mune zvikwereti uye 98.94% rebhadharo yemari.
Kana uchinge uri mukati mepuratifomu, unogona kutsvaga nenyika, nemari uye zvakare Kivadata, iyo inoratidza zvinyorwa zvinonakidza zvehutsika hwemuenzaniso uyu nezvimwe zviitiko zvinofadza zvinoshandiswa kuti zvifambe.
Zvinonakidza kuti iwe unogona kuona kufambira mberi kwechikumbiro chechikwereti uye pamepu unoona apo vanhu vari kubatanidzwa kubva.
Saka, hazvikuvadze kujoina. Pamwe nekuti une madhora mashanu muPayPal yausingakwanise kuwana zvekuita, kana nekuti nekukurumidza kana gare gare unogona kunyorera chikwereti.
Kunyoresa ihurukuro.
Kwechinguva, kana iwe uchikurudzira vamwe vanhu kuti vanyore, muchawana madhora e25 mubhadharo, iyo yamusingashandisi mari yenyu asi iwe unogona kuishandisa kune zvikwereti kubva kune vamwe.
