Het verschil tussen mesokrediet en microkrediet

Veel mensen vragen ons wat nu eigenlijk het verschil is tussen een mesokrediet en het vooral dankzij Koningin Maximá veel bekendere microkrediet.


Kort gezegd kan iemand van een mesokrediet een nieuwe verfmachine kopen of een winkeltje openen en van een microkrediet wordt doorgaans een koe, een geit of een doos nieuwe garen aangeschaft. Mesokredieten beginnen bij $1000 en microkredieten zitten hier gemiddeld genomen ruim onder. Maar dat is niet het enige. Hieronder een overzicht van de belangrijkste verschillen. En overeenkomsten. Laten we daar eens mee beginnen.

Kostenstructuur


De leningen op het Lendahand platform zijn groter dan microkredieten, maar de kostenstructuur is vergelijkbaar.De rente die ondernemers op microkredieten betalen, ligt wereldwijd gemiddeld op 37% per jaar (bron: New York Times, 2010). Het gaat hier om percentages die ondernemers betalen aan lokale partijen die de microkredieten verstrekken. De genoemde percentages zijn uiteraard hoog vergeleken met rentepercentages die ondernemers hier in het westen gewend zijn. De belangrijkste reden hiervoor is dat het verstrekken van veel kleine leningen zeer bewerkelijk is, waardoor de kosten per lening relatief hoog zijn. Het gaat daarbij vooral om het selecteren van de juiste ondernemers, het administreren van de leningen, het monitoren van de kredieten en het terugbetalingsproces (vaak op locatie en met contant geld).

Al met al zeer arbeidsintensief. Hiernaast maken lokale partners kosten om een voorziening op te bouwen. Deze voorziening stelt de lokale partner in staat om hun financiers terug te betalen mocht de ondernemer niet in staat zijn om (volledig) aan zijn of haar verplichtingen te voldoen. Ook zijn deze partners verplicht lokale belasting af te dragen. Mesokrediet kent een soortgelijke kostenstructuur. Door gebruik te maken van internet én louter sociale partners te contracteren, kan het rentepercentage echter gedrukt worden. We streven naar een maximum van 25%.

Lokale partners


Bij beide vormen van kredietverstrekking wordt er uitsluitend gewerkt met lokale partners. Deze (financiële) partijen kennen de markt goed, de ondernemers, de regelgeving, de taal en werken over het algemeen tegen veel lagere tarieven dan instanties hier in het westen.

Landen


De markt voor mesokrediet en microkrediet bevindt zich doorgaans in het Zuiden: onder de evenaar. De meeste verstrekkers van microkrediet zijn dan ook actief in Latijns-Amerika, Afrika en Zuidoost Azië. Zo ook Lendahand. Onze mesokredieten worden verstrekt op de Filipijnen, Colombia en binnenkort ook in Afrika.

Uiteraard is er – naast de genoemde grootte van de gemiddelde lening - ook een aantal verschillen.

Financieringsvorm


Typerend voor mesokredieten van Lendahand is dat ze enkel en alleen worden verstrekt door middel van crowdfunding. Niet via grote NGO’s of bureaucratische (en vaak louter commerciële) banken, maar heel effectief via internet. Samen met anderen een MKB-er financieren, op een online wallet terugbetalingen en rente ontvangen en indien gewenst opnieuw uitzetten. En dat alles in een vloek en een zucht.

Doel


Microkredieten zijn bedoeld voor kleine ondernemers, arme mensen of mensen met een laag inkomen. Meestal gaat het om vrouwen in ontwikkelingslanden die bijvoorbeeld op het land werken, een ambacht uitoefenen of marktkoopvrouw zijn. Met de lening kunnen zij beter in hun eigen levensonderhoud voorzien en vaak ook in dat van hun gezin. Ondernemerschap en zelfstandigheid worden hierdoor gestimuleerd.

Mesokredieten zijn bedoeld voor het midden- en kleinbedrijf in opkomende landen, die tenminste 3 jaar operationeel zijn en hebben laten zien dat ze voldoende potentie hebben om (door) te groeien. Met behulp van het krediet kan de MKB-er groeien en creëert als gevolg hiervan nieuwe banen. Of weet bestaande banen te behouden. Zo stimuleert de ondernemer zijn directe omgeving en geeft hij invulling aan social impact.

Impact


Misschien wel het meest heikele punt van kredietverstrekking in ontwikkelingsgebieden of opkomende landen. Wat levert het nu eigenlijk precies op? Vooral bij microkredieten is dit uitermate lastig te meten. Het is nogal kostbaar om wetenschappelijk onderzoek te doen – met experimenten – in vaak moeilijk toegankelijke gebieden. Een uitzondering hierop is een veldonderzoek in Mongolië in 2008. Hier werden vooral de groepsleningen afgezet tegen de individuele leningen. Bij mesokrediet zijn impactmetingen ook niet eenvoudig, maar aangezien de MKB-ers dienen te beschikken over financiële overzichten, zijn deze voor en na de verstrekte leningen in ieder geval met elkaar te vergelijken. Zo kan tenminste worden vastgesteld of er sprake is (geweest) van groei.

Conclusie


Microkredieten hebben – ondanks een gebrek aan grootschalige wetenschappelijke onderzoeken – in veel landen voor veel mensen een positief effect gehad. Zolang de keten zuiver blijft (geen verkeerde intenties bij de tussenschakels) én mensen geleerd wordt hoe verstandig met geld om te gaan kan het een effectief middel tegen armoedebestrijding zijn. Zeker voor de allerarmsten.

Door gebruik te maken van alternatieve financieringsvormen (crowdfunding), social impact voorop te stellen in alle schakels én MKB-ers met potentie krediet te verschaffen, is mesokrediet een geweldig instrument voor de middenklasse om banen te creëren. Het is daarmee een nieuwe, veelbelovende aanvulling op de bestaande microkredieten.


Peter Stolze is Marketing Director van Lendahand. Lendahand is een crowdfundings-platform dat ernaar streeft het MKB in opkomende economieën te laten groeien. Dit doet de organisatie niet alleen door middel van het verstrekken van geld, maar ook door het aanbieden van trainingen op het gebied van ondernemerschap, financieel management en duurzame bedrijfsvoering.

13:47 - 13-11-2014 | AUTEUR: Mariette | REACTIES: (122)


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Testo XR In addition ethylsulfonylmethane helps keep cells from becoming hard and rough. This ingredient is said to detoxify stress, asthma, arthritis, inflammation, constipation Testo XR candida, to detoxify the body and, above all, to increase blood circulation through the penis to improve overall health and penis health. https://mumybear.com/testo-xr/

 

cbranako27
22-01-2018

Supreme Boostr It is also important that you review the content of your future male enhancement product. Verify that they are formulated with natural ingredients or made with other ingredients that may cause significant or adverse health Supreme Boostr effects. Or allergic reactions could occur that could be triggered by the application. Therefore, one has to be very careful before deciding to take them. https://www.bluesupplement.com/supreme-boostr/

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kabd ehak
23-01-2018

Avoir Derma As you age, the skin changes, becoming thinner and smoother. What is the reason? As we get older, our bodies no longer produce so much nutrients and vitamins, and lack of them impairs the natural elasticity Avoir Derma of our skin. When we are young, our skin is soft and flexible, but as we get older, our skin becomes drier and less flexible. This is the time when lines and wrinkles appear. Now the needs of the skin for something else to preserve a certain youthfulness. https://mumybear.com/avoir-derma/

 

vwow abay
25-01-2018

No Max UK If you’re like me, you might wonder about some of these ingredients. I thought I should already have an overwhelming orgasm because I had some of these organic ingredients in my food. And it turns out No Max UK that I was right. The problem, however, is that I did not get enough of these nutrients to make a difference. https://www.bluesupplement.com/no-max-uk/

 

vwow abay
25-01-2018

No Max Shred Women are very visual creatures. They are as excited by sex tapes as men. The only difference in the way your mind works is that you need to have both physical and visual stimulation at the same time to be awakened. Such a great member through male enhancement is the beginning of something great, but you have to learn how to No Max Shred use it to achieve that desirability. If you have something to work with, and you know how to maneuver it and your body, you can get almost any woman you desire. https://www.bluesupplement.com/no-max-shred/

 

nobe hsam
27-01-2018

Body Slim Down Garcinia According to Ayurveda there are six flavors - Madhur (sweet), Amla (sour), Lavana (salty), Katu (bitter), Tikta (hot) and Kashaya (astringent). These six have different effects on different doshas. The first three sweet, sour and salty pacify Vata and have a calming effect on the body; The last three bitter, sharp and astringent pacify Kapha Dosha and open the blocked channels of the body. Sweet, spicy and astringent is good for Pitta Body Slim Down Garcinia and has a cooling effect on the body. This is a general classification. https://mumybear.com/body-slim-down-garcinia/

 

 

mehb oshg
28-01-2018

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jouliage
29-01-2018

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osch aveo
30-01-2018

Stamimax The erection they are talking about is not the usual, but a harder and firmer one. They also claim that most ingredients increase testosterone levels, sex drive, and stamina. Stamimax Apart from that, the developers also claim that this can help get rid of a few pounds and maintain a healthy immune system. https://www.bluesupplement.com/stamimax/

 

sous amab
31-01-2018

Primacin XL After you have found a product that you like and make a purchase, be sure to follow the directions and take the pills if you accept. Be patient and remember that even after much research, the pill you bought may not be what you are looking for. Do not get Primacin XL frustrated and just try different options until you find the best male enhancement pills for you. https://mumybear.com/primacin-xl/

 

Hill sthm
01-02-2018

Celluraid I recommend that you avoid any kind of method in which you put some type of device on your manhood, have some kind of surgical procedure or have any kind of pill popped. Celluraid The reason why I advise you to avoid these methods has to do with this one simple rule that I wanted to talk to you about. https://mumybear.com/celluraid/

prekhsha sharma
03-02-2018

We Provide Best Packers And Movers kolkata List for Get Free Best Quotes, Compare Charges, Save Money And Time, Household Shifting Services @  http://kolkatapackersmovers.in/

koll pamb
04-02-2018

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رقم صيانة كريازى الخط الساخن
04-02-2018

تواصل مع #مركز_صيانة_كريازي واستمتع بكافة خدمات الصيانة الفورية


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tera yaar
05-02-2018

Tst 11 For me, I always approached the male enhancement surgery, simply because I thought it sounded scary ... and WAY to extremes, even when my sadness about my small penis grew. (no pun intended :-) Fortunately, I discovered all the natural methods of enlargement that worked PHENOMENALLY well for me, but as I find myself writing about male health problems now every day online, I still get many questions about surgery of my readers. If you are one Tst 11 of those who are wondering, read on to clarify the subject. https://www.bluesupplement.com/tst-11

 

swan cull
06-02-2018

Nutra Forskolin There are hundreds of thousands of diet plans. But, when you analyze it, there are only 3 types of weight loss diet plan. These are the low carb diets; the low fat diet; and the calorie-counting diet (ie, low in calories). Nutra Forskolin The reduction of calories is at the heart of each one. Do not be fooled by a “new” diet that arises. Look behind the details and you will fall into one of the three types of diet. https://mumybear.com/nutra-forskolin/

 

joiu desw
07-02-2018

TST 11 Selenium is another micronutrient that helps maintain sperm motility. Despite having a good sperm count, if the motility of the sperm is not good, the chances of fertilization are remote. TST 11 It is interesting to note that more than 50% of the intake of selenium by the human body is absorbed by the testicles, which underscores its importance in male fertility. https://www.bluesupplement.com/tst-11/

 

mohu mohu
08-02-2018

Gamehacktips For example, you may want to teach your children not to post their images or filter personal information on the Internet. And this includes your fellow players as well. Some dishonest players can harass children using their images.
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raxi raxi
10-02-2018

Game Hack Tips I firmly believe that both the Virtual Reality (VR) and the Augmented Reality (AR) titles are going to gain more traction in 2017. The main developers that can extract triple A content can not stay in the dust while the independent developers. https://gamehacktips.com/

boes aswd
10-02-2018

Titan Blast Getting the right nutrient, getting the proper body mass ratio or BMI for your height and age is also good for the health of your erection. Clinical studies have already shown that being Titan Blast overweight or getting type 2 diabetes causes nervous atrophy and circulatory problems in the blood. And both problems are bad for the health of the penis. https://mumybear.com/titan-blast/

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heda zaqw
11-02-2018

Vital Khai Tonight his low sexual desire will be forgotten for a long time. A low female sexual desire is something that can break a relationship or make a man retire or even worse cheat. Vital Khai Many women experience this at some point in their lives and, if left untreated, there are many chances that it may cause a breach in the relationship with their spouse, lover, boyfriend or partner. https://www.bluesupplement.com/vital-khai/

 

cunefu cunefu
11-02-2018

Game Hack Tips Most websites that provide access to bridge software will also provide demonstration software so you know the operation and performance of that specific bridge playback software. The demo software can be downloaded for free and does not imply any obligation.
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