Yintoni i-Crowdfunding?

Yintoni i-crowdfunding? Lo mbuzo ubandakanya eyona nkxalabo iphambili eli nqaku lifuna ukuyiphendula. Kweli nqaku, siza kuphonononga ingqikelelo ye-crowdfunding, a indlela yokuxhasa ngemali Uthatho-nxaxheba oluye luthandwa kakhulu ngoosomashishini baseAfrika. I-Crowdfunding yenza kube lula ukunyusa imali kubaphulaphuli abaninzi, kusetyenziswa amaqonga e-intanethi azinikeleyo.

Le ndlela yokuxhasa ngemali inokunceda ngoosomashishini ukwenza iiprojekthi zabo kunye nokuphuhlisa ishishini labo, ngokubanika enye indlela kwimithombo yemveli yenkxaso-mali.

Kweli nqaku, siza kuchaza indlela i-crowdfunding esebenza ngayo, izinto eziluncedo kunye nezingeloncedo zale ndlela, kunye nezona ndlela zilungileyo zephulo lokunyusa ingxowa-mali eliyimpumelelo. inkxaso-mali e-Afrika. Kodwa ngaphambi kokuba siqale, nantsi Indlela yokuphuma ematyaleni?

Masihambe !!

⛳️Yintoni i-crowdfunding?

Inkxaso-mali ethatha inxaxheba, ekwabizwa ngokuba yi-crowdfunding, yindlela inkxaso-mali yentsebenziswano evumela oosomashishini, abadali okanye iinkokeli zeeprojekthi ukuba ziqokelele imali kwinani elikhulu labantu.

Le ndlela yenkxaso-mali ihlala isetyenziselwa iiprojekthi zenkcubeko, ubugcisa, intlalontle okanye indalo, kodwa inokusetyenziselwa iiprojekthi zorhwebo kunye nezorhwebo.

Ngokungafaniyo neendlela zenkxaso-mali zemveli, i-crowdfunding ivumela iinkokeli zeprojekthi ukuba zinyuse imali ngokuthe ngqo kuluntu olunomdla kwiprojekthi yabo, ngaphandle kokudlula kubameli bezemali bemveli njengeebhanki okanye. amaventure capitalists.

Le ndlela ikwavumela abaxhasi ukuba batyale imali encinci kwiiprojekthi ezibalulekileyo kubo kwaye bathathe inxaxheba kwimpumelelo yabo.

I-Crowdfunding iye yanda kakhulu kwiminyaka yakutshanje ngenxa yokuvela kwamaqonga e-intanethi e-crowdfunding, eququzelela inkqubo yokunyusa imali kunye nokuvumela iinkokeli zeprojekthi ukuba zifikelele kubaphulaphuli abaninzi abanokuba negalelo.

🌿 Isebenza njani i-crowdfunding?

Kolu hlobo lwenkxaso-mali, amaqela amabini ahlanganiswa. Umlondolozi onqwenela ukutyala imali ethile kwiprojekthi akholelwa kuyo. Kwaye inkokeli yale projekthi ingenayo imali efunekayo ukuyiphumeza.

Bobabini bayadibana intanethi ngeqonga elizinikeleyo. Iiprojekthi ziboniswa ngabakhuthazi bazo kwaye abongi bakhetha ukuxhasa ngemali abo banomdla kubo ukuya koko bafuna ukutyala imali.

Zininzi iindlela zothatho-nxaxheba lwenkxaso-mali zikhona: umnikelo (ngembuyekezo okanye ngaphandle kwayo), imali-mboleko (kunye okanye ngaphandle kwenzala) kunye notyalo-mali lwenkunzi.

🌿 Iintlobo ezahlukeneyo ze-crowdfunding

I-Crowdfunding inokuthatha ngeendlela ezininzi. Siyahlula iindlela ezintathu eziphambili ze-crowdfunding:

✔ Iminikelo

Ukwenza umnikelo kukunika into Iqela leSithathu ngaphandle kwembuyekezo. Ngokwenza umnikelo kwinkokeli yeprojekthi, umsebenzisi we-Intanethi ufaka isandla ekuphuhlisweni kwesi siganeko ngaphandle kokulindela nayiphi na imbuyekezo.

Nangona kunjalo, umtyali-mali udla ngokuvuzwa ngokomfuziselo. Enyanisweni, ukuba ifilimu ngokomzekelo, igama lakhe linokuvela kwiikhredithi. Into yokuthengisa inokwabelwa kuyo. Olu hlobo lwe-crowdfunding lukwavumela ukuba kubhengezwe le projekthi, ukuze umgqugquzeli afake ibango lenkxaso-mali.

✔ Ukulingana kwabantu abaninzi

Ukulingana kwabantu abaninzi yindlela ye-crowdfunding eyavela ngo-2014. Ngolu hlobo lwenkxaso-mali, abatyali-mali bafumana imbuyekezo inxalenye yezabelo zenkampani. Kwezinye iimeko, le fomu ikuvumela ukuba ufumane inzuzo yerhafu kubatyali-mali bayo. Ngokwenene, ngokuxhasa iprojekthi ngokugcwala, umtyali-mali ubamba inxalenye yenkunzi yenkampani.

Ukuxhamla kolu hlobo lwenkxaso-mali, iimeko ezithile kufuneka zifezekiswe. Amaphulo okulingana kwabantu abaninzi abekelwe kuphela i-Sociétés en Actions Simplifiées kunye ne-Sociétés anonymes.

Oku kuthathwa komngcipheko kusetyenziswa ngokukodwa kwiiprojekthi ezinkulu xa kunikwa izixa ezikhulu.

✔ ukuboleka abantu abaninzi

Ukubolekwa kwabantu liqela elingaphantsi le-crowdfunding. Ibandakanya iiprojekthi zokuxhasa ngemali ingeniswe phantsi kwamaqonga ngemali mboleko ibhaliswe luluntu.

Crowdlending iqaliswe kumaqonga crowdfunding xa iibhanki azikwazi ukulandela olu hlobo lotyalo-mali. Ngolo hlobo, uhlahlo lwabiwo-mali lwabasemagunyeni basekuhlaleni bayazuza ngokuqalisa le ndlela yokuthatha inxaxheba kwenkxaso-mali.

🌿 Izinto eziluncedo kwi-crowdfunding

Ngokungafaniyo nezinye iindlela zokuxhasa ngemali, i-crowdfunding inentaphane yeenzuzo.

✔️ Inzuzo yokuqala: uphando lwemarike ngexabiso eliphantsi

Inzuzo yokuqala yeCrowdfunding ingaphezu kwayo yonke imali. Ivumela inkokeli yeprojekthi ukuba yenze uhlobo lwesifundo semarike ngexabiso eliphantsi.

Olu ncedo lwemali sesinye sezizathu eziphambili zokuba umkhuthazi weprojekthi abhenele kuyo ukubuyiselwa kwemali. Ukongeza, ivumela abatyali-mali ukuba bazuze kwiingcebiso kunye nenkxaso. Ezinye zinokuba luncedo kakhulu.

✔ Isipho

Inkxaso-mali ebandakanya abantu abaninzi okanye inkxaso-mali ethatha inxaxheba ngeminikelo ixhaswa ngamandla oluntu kunye nesihlwele esihlanganisana kwiprojekthi ethe yatsala umdla kubo.

Isipho kwi crowdfunding ifuna umsebenzi omncinci phezulu kunezinye iindlela zokuxhasa ngemali (imali-mboleko kunye notyalo-mali lwenkunzi). Ilula kuba abanegalelo akufuneki bagcwalise naluphi na uxwebhu lolawulo, ikhadi lebhanki lanele. Ngenxa yoko, ixesha lenkqubo yenkxaso-mali lifutshane.

✔ Umngcipheko ophantsi

Enyanisweni, inkokeli yeprojekthi ayinakuzibeka emngciphekweni wokuhlanjululwa. Ngoko ke uya kugcina amandla akhe okwenza izigqibo kwaye akazimisele ukuyihlawula imali-mboleko.

Kwi-crowdfunding, unxibelelwano luluncedo olubalulekileyo. Ngexesha lephulo, inkokeli yeprojekthi kuya kufuneka ithethe ngombono wayo wokutsala abaxhasi. Ngaphandle komba wemali, i ukubuyiselwa kwemali ukwafumana intsingiselo kweli xesha lonxibelelwano olunzulu.

🌿 Les Izinto ezingeloncedo kwiCrowdfunding

Nangona kuneengenelo, i-crowdfunding nayo ineentsilelo.

✔ Inkcitho yamandla ebiza kakhulu

Kufuneka utyale ixesha lakho elilungileyo kunxibelelwano. Ngokukodwa ngexesha lephulo apho unxibelelwano olusebenzayo lokuvelisa inkuthazo yoluntu ukuxhasa ngemali le projekthi.

Enyanisweni, ukungaphumeleli kwiphulo le crowdfunding inokuthoba isidima somfanekiso weprojekthi. Ngokwenene, iphulo ukubuyiselwa kwemali inokubonwa njengomlinganiselo wokuthembeka ngabathengi bakho, uluntu lwakho.

✔ Iindleko eziphezulu kakhulu

Ungaphezulu ibiza kakhulu kunemali-mboleko yebhanki. Xa ungenisa iprojekthi yakho kwiqonga le-crowdfunding, uhlawula ikhomishini kweli qonga elisebenza njengomlamli. Le khomishini iyahluka ngokuxhomekeke kwiqonga kwaye iqokelelwe xa kwenzeka impumelelo.

Ukongeza kwezi ndleko, kuyimfuneko ukuqwalasela iindleko zonxibelelwano. Ngalo lonke eli xesha awunayo isiqinisekiso sokuxhaswa ngemali. Ukuba uphumelele, kwiCrowdlending uya kuhlawula inzala kwisixa esifunyenweyo. Nangona kunjalo, kuphela iiprojekthi eziqokelelwe ngempumelelo eziya kugunyaziswa.

✔️Lukuncitshiswa kwezabelo

Kungenzeka ukuba awusayi kuhlala ungumnikazi wedwa weprojekthi. Ulahlekelwa ngamandla akho okwenza izigqibo.

Ukuncipha kwezabelo kwenzeka xa sikwimeko yeNxulumano-lingano. Ukwenza oku, kufuneka ucinge ngononophelo malunga namalungiselelo enkxaso-mali ukuze ungaphulukani nolawulo lweshishini lakho.

✔ Ubusela beengcamangos

Abantu abaninzi banokubiwa izimvo zabo. Inyaniso kukuba iiprojekthi ezifakiweyo zifikeleleka kumntu wonke kwaye ngoko kwandisa umngcipheko wobusela.

✔ Umngcipheko wemali

Inkokeli yeprojekthi ibonakala kumngcipheko wemali; kufuneka anxibelelane, ondle kwaye alawule iphulo lakhe ukubuyiselwa kwemali. Yonke le nkqubo ineendleko kwaye ayifanele ingahoywa. Ukungenisa iprojekthi kwiqonga crowdfunding Ukunikela simahla.

⛳️ Indlela yokuxhamla kwi-crowdfunding

Ukuxhamla kwi-crowdfunding yeprojekthi yakho kufuna ulungiselelo olungqongqo kunye nomboniso oqinisekileyo weprojekthi yakho. Nanga amanye amanyathelo aphambili okwandisa amathuba akho okuphumelela:

⚡️Khetha iqonga

Maninzi amaqonga enkxaso-mali akhoyo, ngalinye linemigaqo kunye neempawu zalo. Kuya kufuneka ukhethe eyona ifanele iimfuno zakho kunye neprojekthi yakho.

⚡️Chaza imali ekufuneka uyinyuse

Kufuneka uqikelele imali oyidingayo ukuxhasa iprojekthi yakho. Kubalulekile ukuba ube nenyani kwaye uqwalasele iindleko ezinxulumene nephulo lokuxhasa abantu abaninzi, njengemirhumo yeqonga kunye nemivuzo yabaxhasi.

⚡️Yenza iphepha lephulo

Kuya kufuneka udale iphepha lephulo elinomtsalane elichaza ngokucacileyo iprojekthi yakho, iinjongo zayo kunye nemivuzo enikezelwa ngabaxhasi. Eli phepha kufuneka liyilwe kakuhle kwaye linyanzelise ukutsala abaxhasi.

⚡️Lungisa ividiyo yentetho

Ividiyo yomboniso inokunceda ukuchaza iprojekthi yakho ngamandla kwaye ivuse umdla wabo banokuba negalelo. Ividiyo ifanele ibe mfutshane, ithabathe umdla kwaye ibe nolwazi.

⚡️Yazisa iphulo lakho

Nje ukuba iphulo lakho liphile, kuya kufuneka ulikhuthaze kumajelo eendaba ezentlalo, kubahlobo nakusapho, nakumajelo eendaba ukutsala abaxhasi. Okukhona kubonakala ngakumbi, kokukhona kunokwenzeka ukuba uphumelele ngephulo lakho.

⚡️Lawula iphulo

Kuya kufuneka ulibeke iliso elibukhali iphulo lakho, uphendule imibuzo evela kwabo banokuba ngabaxhasi, kwaye uqinisekise ukuba imbuyekezo ihanjiswa ngexesha. Ukuba iphulo lakho lifikelela kwinjongo yalo yenkxaso-mali, uya kuba nakho ukuqokelela imali kubaxhasi kwaye uphumeze iprojekthi yakho.

Kubalulekile ukuqaphela ukuba iqonga ngalinye le-crowdfunding linokuba neemfuneko ezongezelelweyo kunye namanyathelo ekufuneka elandelwe. Kubalulekile ke ngoko ukuba ufunde iimeko zeqonga ngononophelo ngaphambi kokuba uqalise iphulo lakho.

⛳️Amanye amaqonga okuxhasa ngemali abantu abaninzi

Maninzi amaqonga okuxhasa ngemali abantu abaninzi, ngalinye lineempawu neemeko zalo. Nantsi eminye imizekelo:

⚡️Umqalisi wokuqalisa

I-Kickstarter liqonga le-intanethi le-crowdfunding elenziwe ngo-2009. Ivumela iinkokeli zeprojekthi ukuba zibonise umbono wazo kwaye zicele imali kuluntu lwabanokuba negalelo. Inkxaso-mali ikwimo yezipho, kwaye abaxhasi bafumana imbuyekezo yotshintshiselwano echazwe yinkokeli yeprojekthi.

Ukubonisa iprojekthi kwiKickstarter, kufuneka uqale ungenise isiphakamiso kwiqela leqonga, elihlola umgangatho kunye nokusebenza kweprojekthi. Ukuba isindululo samkelwe, inkokeli yeprojekthi inako ngoko yenza iphepha lokubonisa kwisayithi.

Eli phepha kufuneka libandakanye inkcazo eneenkcukacha yeprojekthi, uhlahlo lwabiwo-mali lwentelekelelo kunye noluhlu lwamabhaso anikwe abaxhasi.

Xa iphulo lokuxhasa abantu abaninzi liqala, inkokeli yeprojekthi kufuneka ihlanganise uluntu kwaye isebenzise iinethiwekhi zentlalo ukupapasha iprojekthi yakhe kwaye ikhuthaze abantu ukuba bafake isandla. Kwakhona kubalulekile ukuba misela injongo yenkxaso-mali enokwenzeka, kuthathelwa ingqalelo iifizi zeqonga kunye neendleko zokuvelisa iprojekthi.

Nje ukuba iphulo liqaliswe, inkokeli yeprojekthi kufuneka ihlaziye rhoqo iphepha layo lokubonisa ukwazisa abaxhasi ngenkqubela yeprojekthi kwaye ibakhuthaze ukuba babelane ngayo nenethiwekhi yabo.

Ukuba injongo yenkxaso-mali ifikelelwe, inkokeli yeprojekthi ifumana imali eqokelelweyo, ngaphantsi kweentlawulo zeqonga. Ukuba injongo ayifezekiswanga, abaxhasi bayabuyiselwa kwaye inkokeli yeprojekthi ayifumani nto.

⚡️Ulule

Ulule liqonga le-French crowdfunding platform eligxile kwiiprojekthi zokuyila, ezintsha kunye nezixhasayo. Yasekwa ngo-2010, iye yaba lelinye lamaqonga e-crowdfunding aphambili eYurophu angaphezulu Ngama-29 eeprojekthi ezixhaswe ngemali ukuza kuthi ga ngoku.

Ulule ubonelela ngeentlobo ezimbini zenkxaso-mali: inkxaso-mali yomnikelo kunye nenkxaso-mali yangaphambili. Inkxaso-mali yomnikelo ivumela abaxhasi ukuba baxhase ngemali iprojekthi ngaphandle kokulindela nayiphi na imbuyekezo.

Inkxaso-mali yangaphambili, kwelinye icala, ivumela abaxhasi ukuba bathenge iimveliso okanye iinkonzo ezinxulumene neprojekthi ngaphambi kokuba zikhutshelwe kwimarike.

Ukuxhamla kwinkxaso-mali ku-Ulule, kubalulekile ukuba bonisa iprojekthi yokuyila, entsha neyintsusa. Iprojekthi kufuneka ichazwe ngokucacileyo kwaye ichazwe kwiphepha lephulo, kunye nemifanekiso esemgangathweni kunye namavidiyo.

Kukwabalulekile ukunika imbuyekezo enomtsalane kubaxhasi, ngokuxhomekeke kwinqanaba lokuthatha kwabo inxaxheba. Ekugqibeleni, kuyacetyiswa ukuba ukhuthaze iphulo lakho kwiintanethi zentlalo kwaye ufune inkxaso kuluntu lwakho.

⚡️KissKissBankBank

KissKissBankBank liqonga labantu abafumana inkxaso-mali elasekwa ngo-2009 eFransi. Ivumela iinkokeli zeprojekthi ukuba ziqokelele imali kubantu ngabanye, ukuze bafumane imbuyekezo.

Ngokungafaniyo neKickstarter, eliqonga elikhulu lokuxhasa ngemali abantu abaninzi, iKissKissBankBank igxile kuyo. iiprojekthi ezincinci kunye neeprojekthi zokuyila ezifana neefilimu, iincwadi, iiprojekthi zobugcisa, iiprojekthi zomculo, iiprojekthi zoshishino, njl.

Ukuqala, iinkokeli zeprojekthi kufuneka zenze iphepha leprojekthi eqongeni, elichaza umbono wabo, injongo yabo yenkxaso-mali, imivuzo enikezelwayo, kunye neenkcukacha malunga neprojekthi ngokwayo.

Nje ukuba iphepha leprojekthi liphile, ukunyusa imali kunokuqalisa. Abaxhasi banokukhetha ukunikela ngesixa semali ukutshintshiselana ngembuyekezo. I-KissKissBankBank isebenzisa inkqubo yezemali “ mhle wena ”, okuthetha ukuba iinkokeli zeprojekthi kufuneka zifikelele kwiinjongo zazo zokufumana imali.

Okokugqibela, xa unyuso lwengxowa-mali lugqityiwe, iinkokeli zeprojekthi zinokuqalisa ukwenza iprojekthi yazo, kwaye abaxhasi baya kufumana umvuzo wabo. Iintlawulo zeKissBankBank I-5% ikhomishini kwiimali eziqokelelweyo, kunye ne-3% yentlawulo yentlawulo yeminikelo yekhadi letyala.

⚡️Indiegogo

Indiegogo Lelinye iqonga elidumileyo lenkxaso-mali elivumela abanini beprojekthi ukuba banyuse imali kwinani elikhulu labanegalelo, elibizwa ngokuba “abaxhasi".

Yasekwa ngo-2008, iqonga libe ngomnye wabadlali abaphambili kwishishini le-crowdfunding, kunye neeprojekthi ezisuka kuqalo lwetekhnoloji ukuya kwiiprojekthi zobugcisa kunye nezobuchule.

I-Indiegogo inikezela ngeentlobo ezimbini zamaphulo okuxhasa ngemali abantu abaninzi: yonke okanye akukho nto ngemali kunye namaphulo e inkxaso-mali eguquguqukayo.

Kwiphulo lenkxaso-mali yonke okanye akukho nto, inkokeli yeprojekthi kufuneka ifezekise injongo yenkxaso-mali eqingqwe kwangaphambili ukufumana imali eqokelelweyo. Kwiphulo lenkxaso-mali eliguquguqukayo, inkokeli yeprojekthi inokugcina imali eqokelelweyo, nokuba abakafikeleli kwiinjongo zabo zokuxhasa ngemali.

⛳️FAQ

Ngaba zonke iiprojekthi zingazuza kwi-crowdfunding?

A: Hayi, Onke amaqonga enkxaso-mali anemilinganiselo yokukhetha iiprojekthi ezifanelekileyo. Kubalulekile ukufunda imiqathango ngononophelo ngaphambi kokufaka isicelo.

Ithini ipesenti yekhomishini ethathwe ngamaqonga e-crowdfunding?

A: Kuxhomekeke kumaqonga, kodwa ngokubanzi bathatha ipesenti yemali eqokelelweyo ukusuka 5% ukuya kwi-10%. Kubalulekile ukufunda iimeko ngokucophelela ukuze ugweme ukumangalisa okungathandekiyo.

Uyibonisa njani ngokufanelekileyo iprojekthi yakho kwiqonga le-crowdfunding?

IMPENDULO: Kubalulekile ukuveza iprojekthi ecacileyo necwangciswe kakuhle evuselela umdla. Kuya kufuneka kwakhona ulungiselele ividiyo enomtsalane neneenkcukacha ezicacileyo. Kukwacetyiswa ukuba unikezele ngembuyekezo enomtsalane kubaxhasi.

Kwenzeka ntoni ukuba injongo yenkxaso-mali ayifikelelwa?

A: Kuxhomekeke kwiiplatifti, kodwa ngokubanzi, abaxhasi babuyiselwa imali ukuba injongo yenkxaso-mali ayifikelelwanga.

Ngaba kukho nayiphi na imirhumo eyongezelelweyo yokuhlawula ngaphandle kwekhomishini yeqonga?

A: Amanye amaqonga anokubiza imali eyongezelelweyo yokudlulisela imali okanye ukusebenzisa iinkonzo ezithile.

Indlela yokuqinisekisa ukhuseleko lwentengiselwano kumaqonga e-crowdfunding?

IMPENDULO: Amaqonga okuxhasa ngemali abantu abaninzi anemilinganiselo yokhuseleko ekhoyo ukuze kukhuselwe abaxhasi kunye neenkokeli zeprojekthi. Kubalulekile ukufunda iimeko ngononophelo ukuze ufunde ngakumbi malunga nala manyathelo okhuseleko.

Kukuwe ukuba udlale, wabelane, uthande kwaye usinike uluvo lwakho kwiikhomenti