Kiva, ukusetshenziswa kobuchwepheshe namakhompiyutha amancane ukuzuzisa abaningi
I-Kiva Kungumsebenzi wamavolontiya asungula iphrojekthi ngokuya ngemicropayments ngo-2005 esebenzisa amakhono anikezwa ubuchwepheshe manje. Ekugcineni yaba yinhlangano esekwe eSan Francisco, engenzi nzuzo enomsebenzi wokuxhuma abantu ngezimalimboleko zokunciphisa ubuphofu. Esebenzisa i-Intanethi kanye nenethiwekhi yomhlaba wonke yezikhungo zemali ezincane, uKiva uvumela abantu ukuthi baboleke imali engango- $ 25 ukusiza ukudala amathuba emhlabeni wonke, njengoba isibonelo esilandelayo sibonisa:
Isidingo: Kukhona owesifazane osemakhilomitha angu-200 avela eLima, udinga i-dollar ye-900 eyilingana ukuze athenge isitolo sakhe esincane, futhi uzimisele ukuyikhokhela.
Ithuba: Kunabantu ezingxenyeni eziningi zomhlaba abangavuma ukunikela ngama- $ 15 kumaphrojekthi afana nalawa, uma ezowakhokhela. Amanye amadola ayi-100, amanye amasenti angama-40, njll. Futhi kukhanga nakakhulu uma kuzoba nembuyiselo njengemalimboleko.
Isixazululo: UKiva usebenzise inkundla lapho abantu bezobona khona idatha yale ntokazi, isimo sayo sezomnotho, imvelo yakhona, lokho efisa ukukwenza, nokunikela nganoma yini ethanda. Lapho abaningi sebenezele futhi befinyelela enhlosweni, owesifazane uthola imali, asayine isivumelwano sokuzibophezela ngokukhokha nenkampani yemali encane ekhuthaza lo msebenzi ePeru, futhi uzobe ekhokha njalo ngenyanga. Uthola isikweletu sakhe, futhi labo abambolekisile bazobuyiselwa.
Kuyindlela ejabulisayo kulabo abafisa ukubolekwa imali kanye nakulabo abanamadola ambalwa okuthi esikhundleni sokuwanika umuntu ongamazi ekhoneni lerobhothi kungasiza abantu ukuthi baqhubekele phambili. Yonke imiklamo isebenza ezinqubweni zokuthuthukiswa kwabantu, njengokuthuthukiswa kwezindlu, ukuqiniswa kwamabhizinisi amancane, ukuphothula izifundo noma amabhizinisi amasha.
Ngithanda imodeli: Thola isidingo, ubolekise, ukhokhelwe, uphinde futhi. Yize kungimangaza ukuthi baletha kanjani umqondo olula kangaka emhlabeni jikelele.
Ngokuhamba kwesikhathi i-Kiva ifinyelele ngaphezu kwabantu abangu-800,000, kusukela emazweni ahlukene we-62, ngaphezulu kwezigidi ze-330 ezibolekayo kanye ne-98.94% yokubuyisela imali.
Uma usengaphakathi kwesikhulumi, ungasesha ngezwe, ngenani futhi futhi I-Kivadata, ebonisa izibalo ezithakazelisayo zokuziphatha kwalesi simodeli nezinye izinhlelo zokusebenza ezithakazelisayo ezifakwe kwiselula.
Kuyathakazelisa ukuthi ungabona inqubekela phambili yesicelo semalimboleko futhi kumephu ongabona lapho abantu bebambisana khona.
Ngakho-ke, akulimazi ukujoyina. Kungenxa yokuthi unamadola ama-5 ku-PayPal ongakwazi ukuthola ukuthi wenzeni, noma ngoba kungekudala ungafaka isicelo semalimboleko.
Ukubhaliswa mahhala.
Ngesikhashana, uma ukhuthaza abanye abantu ukuthi babhalise, uzothola amaRandi angu-25 ebhonasi, ongayisebenzisi izindleko zakho kodwa ungayisebenzisa ngemali mboleko kwabanye.
