Isikhethi se-apula Ukutshala imali emalini ebolekiwe kuye kwanda emhlabeni jikelele eminyakeni yamuva nje. Ngesikhathi kuqubuka ubhubhane lwe-coronavirus ngonyaka odlule, nokho, ngokufana neminye imikhakha yezomnotho, lezi zimali ezitshaliwe nazo zehla kakhulu inzalo. Nokho, kusukela lapho, imakethe yaseYurophu ikhule ngamaphesenti angamashumi. Ngo-Ephreli, abatshalizimali epulatifomu ye-inthanethi yaseCzech I-Bondster baze batshala imiqhele eyizigidi ezingama-89,4, esezingeni elifanayo nangaphambi kwe-coronavirus.
Ngokusho kwedatha evela kumaphothali we-P2Pmarketdata.com kanye ne-TodoCrowdlending.com, ukukhula kwemakethe yokutshalwa kwezimali yase-European P2P (peer-to-peer) kuyaqhubeka. Ngemuva kokushaqeka okungazelelwe okubangelwe yilolu bhubhane, lapho amanani okutshalwa kwezimali ehla ngo-2020% ngo-Ephreli 80, imakethe ikhula kancane. Ngokusho kwedatha yakamuva kusukela ngoMashi 2021 kakade abatshalizimali kumapulatifomu e-European P2P batshale imali ephindwe kabili nesigamu yemali, kunokuthi batshale malini ku-April oshiwo ngenhla ka-2020.
Inkundla yokutshala imali yase-Czech nayo iqopha intuthuko efanayo I-Bondster, eyasungulwa ngo-2017. Phakathi neminyaka emibili yokuqala, yazuza ukwethenjwa ngabatshalizimali abangaphezu kuka-6, abatshale isamba semiqhele eyizigidi ezingu-392 kuyo. Ngonyaka owedlule, ibivele isetshenziswa ngabatshalizimali abangaphezu kwezinkulungwane eziyi-9, etshaliwe imali eyizigidi eziyizinkulungwane eziyi-1,1, kwathi ekuqaleni kuka-Ephreli noMeyi 2021, isiteji sadlula inani eliphelele. Abatshalizimali abayizinkulungwane eziyi-12 ngemali etshaliwe engaphezu 1,6 billion imiqhele.
Inani lokutshalwa kwezimali lisezingeni elifanayo nangaphambi kwalolu bhubhane
Ngenxa yobhubhane emsamo I-Bondster abatshalizimali behlise imiqulu etshaliwe ngo-85% - inani lehle lisuka ku-86,5 million imiqhele (February 2020) kanye nezigidi ezingama-76,3 (March 2020) laya ezigidini eziyi-13 (April 2020). Nokho, kusukela lapho, umsebenzi wabatshalizimali uye wanda ngokuqhubekayo, futhi ngemva konyaka, ku Ephreli 2021, abatshalizimali sebetshale imali engaphezulu 89,4 million imiqhele, ngaleyo ndlela ifinyelele okufanayo ngokuphepha izinga njengangaphambi kobhubhane.
"Inkinga ye-corona imele inhlekelele enkulu yezomnotho kusukela ngeMpi Yezwe Yesibili futhi isho okokuqala futhi ngasikhathi sinye isivivinyo esinzima emakethe ye-P2P. Amapulatifomu amaningi okutshalwa kwezimali awazange alawule le nkinga, ikakhulukazi igagasi lokuqala lalolu bhubhane, obelusuka obala okwesibhakabhaka kuwo wonke umuntu. Ngakho-ke, abaningi babo bayeka ukusebenza,” uthi UPavel Klema, oyi-CEO ye-Bondster, ngokusho ukuthi imakethe iye yahlanzwa ngakho futhi amapulatifomu akhiwe phezu kwezisekelo ezizinzile asele.
I-Bondster inombolo yesibili eYurophu
Ukuthi iCzech Bondster yakwazi kanjani ukufinyelela ezingeni langaphambi kobhubhane ichazwa nguPavel Klema kanje: “Naphezu kobunzima esabhekana nabo ekuqaleni kwalolu bhubhane, sisingathe kahle le nkinga, okuyinto abatshali bezimali abayaziyo ukwandisa umthamo wokutshalwa kwezimali kanye nezibalo ezikhulayo zabatshalizimali abasha. Ezinyangeni ezedlule, sibone ukubhaliswa okuphezulu kakhulu kwabatshalizimali bakwamanye amazwe. Kodwa ngisho nabatshalizimali baseCzech emakethe yasekhaya bayabona ukuthi uma kuqhathaniswa isilinganiso sezindleko nembuyiselo yezinhlobo ezahlukene zokutshalwa kwezimali, ukutshalwa kwezimali emalini ebolekiwe evikelekile kungenye yezindlela ezingcono kakhulu zokwazisa ngemali enkulu. "
Amazwi akhe aqinisekisa imiphumela yesikhathi eside yeBondster v ukuqhathanisa kwamazwe ngamazwe yamapulatifomu e-P2P yaseYurophu, eyenziwa yi-portal TodoCrowdlending.com. Uma kuqhathaniswa nenzuzo yezinkundla eziqashwe ngaphezu kwekhulu ngoMashi 2021, iplatifomu yaseCzech yazuza s. isivuno esingu-14,9% sokutshalwa kwezimali kwe-euro inani indawo yesibili.
Inzuzo ebalulekile
Inzuzo evela ekutshaleni imali, ngaphezu kokuvikeleka, umbandela oyinhloko wokuthi abatshalizimali banqume ukuthi bayatshala yini endaweni ethile. Isilinganiso ukuhlolwa konyaka ku-Bondster uma kuqhathaniswa nonyaka odlule inyuke isuka ku-7,2% yaya ku-7,8% yamanje yokutshalwa kwezimali emiqhele yaseCzech. Ngama-Euro inani lokushintshana le-Bondster likhuphuke kusukela ngoMashi 2020 kusuka ku-12,5% kuya ku-14,9% wamanje.
- Uhlolojikelele lwamathuba okutshala imali e-Bondster lungatholakala lapha.
Mayelana ne-Bondster
I-Bondster yinkampani yase-Czech FinTech kanye nenkundla yokutshala imali enegama elifanayo elamula ukutshalwa kwezimali okuvikelekile emalimboleko yabantu nezinkampani. Yasungulwa ngo-2017 futhi isebenza njengendawo yemakethe yokutshala izimali exhumanisa abatshalizimali abavela emphakathini jikelele nababolekisi abafakazelwe. Ngakho-ke inikeza enye indlela yokutshala izimali zendabuko. Ukuze kuncishiswe ubungozi, imali ebolekiwe ivikelwa isb. Ngemakethe ye-Bondster, abatshalizimali bathola imbuyiselo yonyaka ka-8-15%. Le nkampani ingeyeqembu lokutshala izimali lase-Czech i-CEP Invest.
Funda kabanzi mayelana ne-Bondster lapha
Ingxoxo yesihloko
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