Die onderneming is reeds 10 jaar lopend met ‘n bestendige kliëntebasis wat meestal fabriekswerkers is. Verkoopprys is R350 000 onderhandelbaar.

Belangstellendes kan vir Charlotte Naude skakel op 082 605 1225

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Kiva, a US-based company, initiated an innovative bussiness model that applies Internet technology to bring financial services to the poor. It’s creation of an online marketplace for lenders and borrowers has led to explosive growth of over 30% per month since the websites founding in 2005.

In essence Kiva lets you lend to a specific entrepreneur in the developing world - empowering them to lift themselves out of povery.

Their platform enables ’peer-to-peer’ lending through which Kiva.org puts potential ’social investors’ in touch with small businesses in the developing world. Kiva lets lenders connect with and loan money to unique small businesses in the developing world. By choosing a business on Kiva.org, people can ’sponsor a business’ and help the world’s working poor make great strides towards economic independence. Throughout the course of the loan (usually 6-12 months), the lender can receive email journal updates from the business he/she has sponsored. As loans are repaid, the lender gets his/her loan money back.

Kiva partners with existing microfinance institutions. In doing so, they gain access to outstanding entrepreneurs from impoverished communities world-wide. Their partners are experts in choosing qualified borrowers; however usually short on funds. Through Kiva.org, these partners upload their borrower profiles directly to the site so lenders can lend to them.

The process involves 4 very simple steps:

Step 1: Choose a business - The businesses on their site are always changing. They are being uploaded by their microfinance partners around the world. One can find a new business on the home page or on the Businesses ‘In Need’ page.

Step 2: Make a loan - When one has selected a business, he/she can make a loan using his/her credit card (via PayPal). A loan can be as little as $25 at a time. Checking out is easy and safe because of PayPal.

Step 3: Receive journals and payments - Periodically, the lender will hear back from the business he/she sponsors. Partner representatives (often loan officers) write directly to the website to keep one informed on the progress of the business. If one chooses, he/she can receive these via email.

Step 4: Withdraw or re-loan - When a lender’s Kiva loan is repaid, he/she can choose to withdraw his/her funds or re-loan to a new business.

Due to incredible press attention (The Oprah Winfrey Show, NBC’s Today Show, and President Clinton’s book “Giving”) Kiva’s new service is experiencing record traffic and they are working overtime to add new businesses from all over the world everyday.

Visit their site at www.kiva.org and be inspired on what is possible if you think “out of the box.”

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Die Afrikaanse weergawe se titel lui, “DIE NASIONALE KREDIETWET, 2005, Alles wat u as verbruiker van die Nasionale Kredietwet moet weet, Volume 1: 2007.”

‘n Uittreksel uit die voorwoord van die Afrikaanse boekie lui as volg:

Hierdie boekie dien as ‘n gids tot die Nasionale Kredietwet 34/2005 (NKW),waarna ook verwys word as ‘Die Wet’. Dit is gerig op persone wat krediet opneem in die vorm van ‘n lening, huurkoop, afbetalingsooreenkoms, kredietkaart, of die verkryging van goedere of dienste op krediet by ‘n kredietverskaffer. Dit kan verder ook deur persone of organisasies wat as krediettussengangers vir verbruikers optree, soos adviessentrums, vakbond amptenare en provinsiale verbruikersgidse, gebruikword. Dit is ‘n poging om die bepalings van Die Wet, soos dit op verbruikers van toepassing is, te vereenvoudig. Die boekie is nie regsbindend nie. Indien daar enige twyfel bestaan oor die bedoeling of toepassing van enige van die bepalings van Die Wet, moet die betrokke bepalings en die regulasies geraadpleeg word.

Die boekie bestaan uit 12 hoofstukke wat die volgende aspekte dek: 

1. Dispute en klagtes
2. Afdwinging van die Nasionale Kredietwet
3. Agtergrond tot die Nasionale Kredietwet
4. Verbruiker se kredietregte
5. Kredietooreenkomste
6. Bemarkingspraktyke
7. Koste
8. Beëindiging, oorgawe en vroeë aflossing van kredietooreenkomste
9. Wanprestasie en skuldafdwinging
10. Skuldvoorligting
11. Kredietburo’s en kredietinligting
12. Ander nuttige kontakte

Behalwe dat die boekie baie nuttig vir verbruikers is, kan dit net so nuttig vir kredietverskaffers wees om te lees.  Die inligting daarin vervat is omvangryk, dog bondig en eenvoudig uiteengesit. Vir diegene wat ons seminaar oor die Nasionale Kredietwet bygewoon het sal die inligting nie nuut wees nie, alhoewel dit goed kan wees om daaroor te “scan” om te sien waarop klem gelê word. Verder is dit ook duidelik dat die boekie verbruikers in staat sal stel om baie na aan die vlak van kennis met betrekking tot die Kredietwet te kom as wat kredietverskaffers is. [Natuurlik verbruikers wat die moeite gaan doen om dit te bestudeer]. Nodeloos om te sê hoe belangrik dit vir kredietverskaffers is om die Wet en Regulasies te ken, te kan interpreteer en te kan toepas! Dit sal ‘n uiterste verleentheid wees om deur ‘n verbruiker ore aangesit te word omdat hy/sy die Wet beter ken… 

Hierdie publikasies is op die NCR se webblad beskikbaar, en kan daar afgelaai word.

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Omdat vrywillige skuldhersiening die instemming van alle geaffekteerde partye vereis, is ooreenkoms ten opsigte van die proses van vrywillige skuldhersiening op bedryf- en individuele vlak noodsaaklik, sowel as die gestandardiseerde toepassing van sulke ooreengekome reëls, om vrywillige skuldhersiening effektief om bedryfsvlak te kan laat werk.

Die gevolgtrekking is gemaak dat die suksesvolle implementering van die bedryfskema die vestiging van ‘n nie-winsgewende organisasie sal noodsaak, met, as stigterslede, die vier vrywillige assosiasies van kredietverskaffers wat die oorgrote meerderheid krediet in die mark verskaf, naamlik die Bank Assosiasie, die Verbruikerskrediet Assosiasie, die Meubelhandelaars Assosiasie en Mikrofinansies Suid-Afrika (MFSA).

Voortspruitend is die Nasionale Skuld Mediasie Assosiasie gestig en geïnkorporeer as ‘n assosiasie sonder winsbejag onder Artikel 21 van die Maatskapyewet.

Onder andere het die NSMA dit ten doel om:

• Reëls vir die bepaling van finansiële behoeftigheid, skuld mediasie en skuldhersiening om in die skema toe te pas te vestig en te beheer.

• Bepaalde sentrale fasilitering-tegnologiese kapasiteit te vestig, te besit en te bestuur.

• Vrywillige skuld mediasie diensverskaffers te akkrediteer.

• Betalings-verspreiding agente vir die administrasie van skuldhersiening ooreenkomste te akkrediteer.

• ‘n Beoordelaar diens te verskaf om instemming te fasiliteer in gevalle waar kredietverskaffers nie daarin slaag om konsensus op die uitkoms van skuld mediasie onder die skema te bereik nie.

• Ander dienste te voorsien soos wat die bedryf van tyd tot tyd aan die organisasie toeskryf.

Vir meer inligting, skakel met jou bedryfsektor assosiasie, of die NSMA by (011) 645-6707

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Muhammad Yunus has shown himself to be a leader who has managed to translate visions into practical action for the benefit of millions of people, not only in Bangladesh, but also in many other countries. Loans to poor people without any financial security had appeared to be an impossible idea. From modest beginnings three decades ago, Yunus has, first and foremost through Grameen Bank, developed micro-credit into an ever more important instrument in the struggle against poverty. Grameen Bank has been a source of ideas and models for the many institutions in the field of micro-credit that have sprung up around the world.

Every single individual on earth has both the potential and the right to live a decent life. Across cultures and civilizations, Yunus and Grameen Bank have shown that even the poorest of the poor can work to bring about their own development.

Micro-credit has proved to be an important liberating force in societies where women in particular have to struggle against repressive social and economic conditions. Economic growth and political democracy can not achieve their full potential unless the female half of humanity participates on an equal footing with the male.

Yunus’s long-term vision is to eliminate poverty in the world. That vision can not be realised by means of micro-credit alone. But Muhammad Yunus and Grameen Bank have shown that, in the continuing efforts to achieve it, micro-credit must play a major part.

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Ons moedig jou aan om die dokument af te laai en te lees. Inteendeel, vir ‘n aktiewe deelnemer in die krediet industrie is dit ‘n ‘moet-lees.’

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Registrante word vereis om binne gespesifiseerde tye voldoening- en statistiese opgawes aan die Naionale Krediet Reguleerder te lewer.

Kredietverskaffers wat krediet van tot R15 miljoen per jaar toestaan moet Vorm 39 jaarliks indien, en kredietverskaffers wat krediet van meer as R15 miljoen per jaar toestaan moet kwartaaliks verslag doen.

Kredietverskaffers wat op meer as R15 miljoen per jaar moet verslag doen moes hulle eerste verslag reeds teen 15 November 2007 ingedien het.

Alle ander kredietverskaffers wat slegs jaarlikse opgawes moet indien moet hulle eerste Vorm 39 teen 15 Februarie 2008 indien.

Vir meer inligting besoek die NCR se webtuiste by http://www.ncr.org.za/

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