{"id":21412,"date":"2023-12-06T02:41:44","date_gmt":"2023-12-06T02:41:44","guid":{"rendered":"https:\/\/masterskills.org\/blog\/microfinance-la-gi-muc-dich-va-uu-nhuoc-diem-ra-sao.html"},"modified":"2023-12-22T04:54:55","modified_gmt":"2023-12-21T21:54:55","slug":"microfinance-la-gi-muc-dich-va-uu-nhuoc-diem-ra-sao","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/microfinance-la-gi-muc-dich-va-uu-nhuoc-diem-ra-sao.html","title":{"rendered":"Microfinance l\u00e0 g\u00ec? M\u1ee5c \u0111\u00edch v\u00e0 \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m ra sao?"},"content":{"rendered":"
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Microfinance l\u00e0 g\u00ec? Microfinance l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef ti\u1ebfng Anh ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh vi m\u00f4 \u0111ang \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i hi\u1ec7n nay, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd cung c\u1ea5p m\u1ed9t s\u1ed1 th\u00f4ng tin \u0111\u1ec3 gi\u00fap m\u1ecdi ng\u01b0\u1eddi gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc n\u00e0y.<\/p>\n

T\u00ecm hi\u1ec3u kh\u00e1i ni\u1ec7m microfinance l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

Microfinance \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 t\u00e0i ch\u00ednh vi m\u00f4. C\u1ee5 th\u1ec3, \u0111\u00e2y l\u00e0 c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c d\u00e0nh cho c\u00e1 nh\u00e2n ho\u1eb7c nh\u00f3m ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p, th\u1ea5t nghi\u1ec7p. V\u1edbi \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ecd th\u00ec kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c m\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh vi m\u00f4 nh\u1eb1m cung c\u1ea5p nh\u1eefng kho\u1ea3n vay nh\u1ecf an to\u00e0n v\u00e0 h\u1ee3p l\u00fd v\u1edbi l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p.<\/p>\n

T\u00e0i ch\u00ednh vi m\u00f4 bao g\u1ed3m t\u00edn d\u1ee5ng vi m\u00f4 (microcredit), s\u1ea3n ph\u1ea9m cho vay nh\u1ecf d\u00e0nh cho ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p, c\u0169ng bao g\u1ed3m d\u1ecbch v\u1ee5 g\u1eedi ti\u1ebft ki\u1ec7m, b\u1ea3o hi\u1ec3m vi m\u00f4 (microinsurance) v\u00e0 c\u1ea3 h\u1ec7 th\u1ed1ng thanh to\u00e1n. M\u1ee5c ti\u00eau c\u1ee7a t\u00e0i ch\u00ednh vi m\u00f4 l\u00e0 mang \u0111\u1ebfn cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p ho\u1eb7c kh\u00f4ng c\u00f3 thu nh\u1eadp c\u01a1 h\u1ed9i tr\u1edf n\u00ean t\u1ef1 l\u1eadp v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh.<\/p>\n

T\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 Microfinance l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

T\u1ef7 l\u1ec7 ngh\u00e8o \u0111\u00f3i v\u00e0 th\u1ea5t nghi\u1ec7p l\u00e0 m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u00e1ng quan t\u00e2m t\u1ea1i c\u00e1c qu\u1ed1c gia, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c n\u01b0\u1edbc \u0111ang ph\u00e1t tri\u1ec3n. C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 (Microfinance Institution \u2013 MFI) \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp s\u1ebd cung c\u1ea5p c\u00e1c kho\u1ea3n vay ti\u1ec1n nh\u1ecf cho nh\u1eefng ng\u01b0\u1eddi \u0111ang g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh. T\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u gi\u1ea3m ngh\u00e8o v\u1edbi t\u1ea7ng l\u1edbp d\u00e2n c\u01b0 n\u00e0y, tr\u00e1nh \u0111\u1ec3 n\u1ec1n kinh t\u1ebf b\u1ecb lao d\u1ed1c qu\u00e1 \u0111\u00e0.<\/p>\n

D\u00f9 c\u00e1c t\u1ed5 ch\u1ee9c tham gia v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh vi m\u00f4 th\u01b0\u1eddng ch\u1ec9 cho vay c\u00e1c kho\u1ea3n ti\u1ec1n nh\u1ecf nh\u01b0ng c\u00f3 th\u1ec3 dao \u0111\u1ed9ng \u0111\u1ebfn 25.000 USD. M\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb t\u00e0i ch\u00ednh c\u00f2n cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 mang t\u00ednh b\u1ed5 sung kh\u00e1c nh\u01b0 m\u1edf t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, b\u1ea3o hi\u1ec3m vi m\u00f4 th\u1eadm ch\u00ed c\u00f2n h\u1ed7 tr\u1ee3 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh v\u00e0 kinh doanh.<\/p>\n

\u1ede Vi\u1ec7t Nam hi\u1ec7n nay c\u00f3 nhi\u1ec1u t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh vi m\u00f4 ch\u1eb3ng h\u1ea1n nh\u01b0 \u1ee9ng d\u1ee5ng b\u00e1n b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn Miin c\u00f3 th\u1ec3 cho kh\u00e1ch h\u00e0ng chi tr\u1ea3 g\u00f3i b\u1ea3o hi\u1ec3m 2.000 \u0111\u1ed3ng m\u1ed9t ng\u00e0y v\u00e0 n\u1ebfu ng\u00e0y n\u00e0o kh\u00f4ng \u0111\u00f3ng ti\u1ec1n th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng r\u1ee7i ro ng\u00e0y \u0111\u00f3; ho\u1eb7c nh\u01b0 Revex m\u1edf \u0111\u1ea7u t\u01b0 chung b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1edbi s\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u 1 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

M\u1ee5c \u0111\u00edch h\u00ecnh th\u00e0nh Microfinance l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

M\u1ee5c ti\u00eau c\u1ee7a Microfinance ch\u00ednh l\u00e0 gi\u00fap nh\u1eefng ng\u01b0\u1eddi ngh\u00e8o, thu nh\u1eadp nh\u1ea5p, th\u1ea5t nghi\u1ec7p\u2026 c\u00f3 c\u01a1 h\u1ed9i chuy\u1ec3n m\u00ecnh. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 m\u1ee5c \u0111\u00edch c\u1ee5 th\u1ec3 h\u01a1n:<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi ngh\u00e8o, ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p b\u1eb1ng c\u00e1ch cung c\u1ea5p quy\u1ec1n tham gia v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh v\u00e0 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh n\u00f3i chung. L\u00fac n\u00e0y, nh\u1eefng ng\u01b0\u1eddi c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n trong x\u00e3 h\u1ed9i \u0111\u1ec1u c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn \u0111a d\u1ea1ng c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n c\u1ee7a m\u00ecnh, ch\u1ea5t l\u01b0\u1ee3ng cao, bao g\u1ed3m d\u1ecbch v\u1ee5 ti\u1ebft ki\u1ec7m, b\u1ea3o hi\u1ec3m, thanh to\u00e1n, ho\u1eb7c chuy\u1ec3n ti\u1ec1n,\u2026<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c l\u1edbn m\u1ea1nh v\u00e0 ti\u1ebfn h\u00e0nh m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111ang g\u1eb7p kh\u00f3 kh\u0103n (gi\u1ea3i ph\u00e1p gi\u00e1n ti\u1ebfp \u0111\u1ec3 gi\u00fap h\u1ea1n ch\u1ebf s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi ngh\u00e8o, th\u1ea5t nghi\u1ec7p). \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t c\u00f3 \u00fd ngh\u0129a trong vi\u1ec7c ph\u00e1t tri\u1ec3n kinh t\u1ebf v\u00e0 \u0111\u1eb7c bi\u1ec7t trong c\u00f4ng cu\u1ed9c x\u00f3a \u0111\u00f3i gi\u1ea3m ngh\u00e8o t\u1ea1i c\u00e1c qu\u1ed1c gia \u0111ang ph\u00e1t tri\u1ec3n;<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 h\u1ed7 tr\u1ee3 t\u0103ng quy\u1ec1n l\u1ee3i c\u1ee7a ph\u1ee5 n\u1eef, d\u1eabn \u0111\u1ebfn s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 ph\u00e1t tri\u1ec3n v\u1eefng ch\u1eafc h\u01a1n cho c\u00e1c gia \u0111\u00ecnh.<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00ecm hi\u1ec3u v\u00e0 \u0111\u00e1nh gi\u00e1 nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u00e0 ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p ho\u1eb7c th\u1ea5t nghi\u1ec7p \u0111ang g\u1eb7p ph\u1ea3i v\u00e0 gi\u00fap h\u1ecd \u0111\u01b0a ra gi\u1ea3i ph\u00e1p kh\u1eafc ph\u1ee5c hi\u1ec7u qu\u1ea3 nh\u1ea5t.<\/p>\n

Microfinance ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/strong><\/span><\/h2>\n

C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 s\u1ebd h\u1ed7 tr\u1ee3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1eeb c\u00e1c d\u1ecbch v\u1ee5 c\u01a1 b\u1ea3n nh\u01b0 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, cho \u0111\u1ebfn cho vay kh\u1edfi nghi\u1ec7p v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c nguy\u00ean t\u1eafc \u0111\u1ea7u t\u01b0,\u2026 Chung quy c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y c\u00f3 th\u1ec3 t\u1eadp trung v\u00e0o c\u00e1c k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n, k\u1ebf to\u00e1n, k\u00ea khai s\u1ed5 s\u00e1ch,\u2026 \u0110i\u1ec1u n\u00e0y kh\u00e1c ho\u00e0n to\u00e0n v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p vay v\u1ed1n th\u00f4ng th\u01b0\u1eddng, b\u00ean cho vay kh\u00f4ng qu\u00e1 \u0111\u1eb7t n\u1eb7ng vi\u1ec7c b\u00ean vay c\u00f3 \u0111\u1ee7 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 tr\u1ea3 n\u1ee3 hay kh\u00f4ng. \u1ede \u0111\u00e2y l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 ch\u1ec9 t\u1eadp trung v\u00e0o vi\u1ec7c l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u00fap ng\u01b0\u1eddi vay (ng\u01b0\u1eddi ngh\u00e8o, kh\u00f4ng c\u00f3 thu nh\u1eadp, c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111ang g\u1eb7p kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh,\u2026.) c\u00f3 th\u1ec3 v\u01b0\u1ee3t qua kho\u1ea3ng th\u1eddi gian \u1ea5y \u0111\u1ec3 th\u00e0nh c\u00f4ng v\u1edbi ngu\u1ed3n v\u1ed1n s\u1eb5n c\u00f3.<\/p>\n

Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, nh\u1eefng ng\u01b0\u1eddi mong mu\u1ed1n c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 gi\u00fap \u0111\u1ee1 t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 tr\u01b0\u1edbc ti\u00ean ph\u1ea3i tham gia m\u1ed9t l\u1edbp qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u01a1 b\u1ea3n. Ch\u01b0\u01a1ng tr\u00ecnh gi\u1ea3ng d\u1ea1y bao g\u1ed3m ki\u1ebfn th\u1ee9c v\u1ec1 l\u00e3i su\u1ea5t, kh\u00e1i ni\u1ec7m v\u1ec1 d\u00f2ng ti\u1ec1n, c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c th\u1ecfa thu\u1eadn t\u00e0i ch\u00ednh. \u0110\u1ed3ng th\u1eddi c\u1ea7n hi\u1ec3u r\u00f5 Microfinance l\u00e0 g\u00ec, t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch v\u00e0 qu\u1ea3n l\u00fd n\u1ee3 ra sao,\u2026<\/p>\n

Sau khi ho\u00e0n th\u00e0nh l\u1edbp h\u1ecdc n\u00e0y, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd vay n\u1ee3. Nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng gi\u00fap ng\u01b0\u1eddi vay l\u00e0m th\u1ee7 t\u1ee5c, gi\u00e1m s\u00e1t qu\u00e1 tr\u00ecnh cho vay v\u00e0 ph\u00ea duy\u1ec7t kho\u1ea3n vay. Kho\u1ea3n vay th\u00f4ng th\u01b0\u1eddng, \u0111\u00f4i khi ch\u1ec9 kho\u1ea3ng 100 USD l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, tuy nhi\u00ean \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi kh\u00f4ng c\u00f3 thu nh\u1eadp th\u00ec ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 kinh doanh b\u1eaft \u0111\u1ea7u t\u1eeb s\u1ed1 ti\u1ec1n n\u00e0y.<\/p>\n

\u01afu nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a t\u00e0i ch\u00ednh vi m\u00f4 so v\u1edbi Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/strong><\/span><\/h2>\n

N\u00e2ng cao m\u1ee9c s\u1ed1ng: \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 vay v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4, h\u1ecd \u00fd th\u1ee9c \u0111\u01b0\u1ee3c \u0111\u00e2y l\u00e0 c\u01a1 h\u1ed9i c\u00f3 th\u1ec3 gi\u00fap m\u00ecnh v\u01b0\u1ee3t qua giai \u0111o\u1ea1n kh\u00f3 kh\u0103n v\u00e0 lu\u00f4n c\u00f3 tinh th\u1ea7n n\u1ed7 l\u1ef1c l\u00e0m vi\u1ec7c. \u0110i\u1ec1u n\u00e0y ch\u00ednh l\u00e0 m\u1ed9t b\u01b0\u1edbc \u0111i c\u00f3 th\u1ec3 gi\u00fap kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng t\u1ed1t h\u01a1n, n\u00e2ng cao m\u1ee9c s\u1ed1ng c\u1ee7a c\u00e1 nh\u00e2n, nh\u00f3m ng\u01b0\u1eddi v\u00e0 c\u00f3 th\u1ec3 l\u00e0 khu v\u1ef1c.<\/p>\n

L\u00e3i su\u1ea5t th\u1ea5p h\u01a1n: v\u00ec ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh vi m\u00f4 sinh ra l\u00e0 \u0111\u1ec3 h\u1ed7 tr\u1ee3 nh\u00f3m ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p, th\u1ea5t nghi\u1ec7p n\u00ean l\u00e3i su\u1ea5t vay v\u1ed1n ch\u1eafc ch\u1eafn s\u1ebd c\u00f3 nhi\u1ec1u \u01b0u \u0111\u00e3i.<\/p>\n

Kh\u00f4ng y\u00eau c\u1ea7u t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p t\u1eeb ng\u01b0\u1eddi vay: n\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng s\u1ebd y\u00eau c\u1ea7u ng\u01b0\u1eddi vay v\u1ed1n th\u1ebf ch\u1ea5p m\u1ed9t s\u1ed1 lo\u1ea1i t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o nh\u01b0 nh\u00e0, \u0111\u1ea5t, \u00f4 t\u00f4, xe m\u00e1y,\u2026 c\u00f2n c\u00e1c t\u1ed5 ch\u1ee9c MFI th\u01b0\u1eddng s\u1ebd kh\u00f4ng \u0111\u00f2i h\u1ecfi v\u1ec1 nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0y. Tuy nhi\u00ean n\u1ebfu ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 v\u1ed1n th\u00ec s\u1ebd ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c MFI v\u00e0o l\u1ea7n sau.<\/p>\n

Tuy v\u1eady, c\u0169ng c\u00f3 m\u1ed9t s\u1ed1 b\u1ea5t c\u1eadp x\u1ea3y ra trong qu\u00e1 tr\u00ecnh vay v\u1ed1n ho\u1eb7c s\u1eed d\u1ee5ng c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh vi m\u00f4. Ch\u1eb3ng h\u1ea1n nh\u01b0 kho\u1ea3n n\u1ee3 n\u00e0y c\u00f3 th\u1ec3 l\u00e0m ng\u01b0\u1eddi vay \u0111\u1ed1i di\u1ec7n v\u1edbi nhi\u1ec1u v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n h\u01a1n tr\u01b0\u1edbc n\u1ebfu kinh doanh thua l\u1ed7, \u0111\u1ea7u t\u01b0 th\u1ea5t b\u1ea1i.<\/p>\n

Tr\u00ean \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 th\u00f4ng tin li\u00ean quan \u0111\u1ebfn Microfinance l\u00e0 g\u00ec c\u0169ng nh\u01b0 nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ea7n ch\u00fa \u00fd v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh vi m\u00f4. D\u00f9 b\u1ea3n th\u00e2n vi\u1ec7c th\u00e0nh l\u1eadp Microfinance ch\u00ednh l\u00e0 gi\u00fap gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n kh\u00f3 kh\u0103n cho c\u00e1 nh\u00e2n \u2013 doanh nghi\u1ec7p, k\u00e9o theo s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a x\u00e3 h\u1ed9i nh\u01b0ng \u0111\u1ed3ng th\u1eddi c\u0169ng n\u00ean c\u00e2n nh\u1eafc \u0111i\u1ec3m b\u1ea5t c\u1eadp trong c\u00e1c t\u00ecnh hu\u1ed1ng c\u00f3 th\u1ec3 x\u1ea3y ra.<\/p>\n

Pha L\u00ea<\/strong><\/p>\n

<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Microfinance l\u00e0 g\u00ec? Microfinance l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef ti\u1ebfng Anh ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh vi m\u00f4 \u0111ang \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i hi\u1ec7n nay, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd cung c\u1ea5p m\u1ed9t s\u1ed1 th\u00f4ng tin \u0111\u1ec3 gi\u00fap m\u1ecdi ng\u01b0\u1eddi gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc n\u00e0y.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[429],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21412"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=21412"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21412\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=21412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=21412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=21412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}