Maafisa mikopo ยท Somo 6 kati ya 15

Tathmini ya uwandani

Asha anamtumia Juma mkopo wa Amina wa Biashara Plus kwa ziara ya uwandani, na Juma anaandika matokeo, takwimu za uwezo wa kulipa na picha ya ziara, anakamilisha tathmini kwa pendekezo na kupakua ripoti.

Takriban dakika 12

Mawazo makuu

1

Tuma kwa tathmini

Bidhaa yenye Field assessment required, kama Biashara Plus, inahitaji ziara ya uwandani kabla ya idhini. Kwenye mkopo ulio Draft, chagua Send for assessment, yaani tuma kwa tathmini, chagua Assessor na uweke Note for the assessor. Mkopo unakuwa Under assessment, yaani unatathminiwa: masharti yake yamefungwa hadi mtathmini amalize.

2

Andika matokeo

Mtathmini anafungua kichupo cha Assessment cha mkopo na kuchagua Start assessment, yaani anza tathmini, inayoiweka In progress. Anaandika Visit date na Place visited, kisha alichokiona: biashara, mali na dhamana ya mkopo, maoni ya majirani, na hatari. Andika ulichokiona ili mhakiki akitegemee; aliyeandaa mkopo hawezi kuutathmini kamwe.

3

Uwezo na ushahidi

Kwenye Capacity, yaani uwezo, weka Income, Expenses na Existing loan instalments za mwezi, na Adili inakokotoa kinachobaki kulipa rejesho. Save findings inahifadhi kazi, na picha au nyaraka za ziara zinaambatishwa kwa Attach to assessment tathmini ikiwa bado In progress, ili zikae pamoja na ripoti.

4

Pendekezo, si idhini

Complete assessment, yaani kamilisha, inarekodi Recommendation (kama Approve with changes, yaani idhinisha kwa marekebisho), Risk rating, kiasi na muda unaopendekezwa, na Reasoning, na ripoti inaonyesha kipato halisi na marejesho ya madeni. Mkopo unarudi kwa aliyeuandaa ili auwasilishe. Download report inatoa nakala ya lugha mbili: ni pendekezo tu, si idhini.

Mazoezi

Jaribu kwenye taasisi yako ya mafunzo

  1. 1. Kwenye mkopo ulio Draft wa bidhaa yenye Field assessment required (kwa mfano Biashara Plus), chagua Send for assessment, chagua Assessor, weka Note for the assessor kisha bonyeza Send for assessment.
  2. 2. Ukiwa umeingia kama mtathmini, fungua Loans, kisha mkopo, fungua kichupo cha Assessment na uchague Start assessment.
  3. 3. Jaza Visit date, Place visited na matokeo manne, kisha takwimu za Capacity (Income, Expenses, Existing loan instalments na Collateral value (total)), na ubonyeze Save findings.
  4. 4. Weka picha ya mfano ya ziara na uchague Attach to assessment.
  5. 5. Weka Recommendation (kwa mfano Approve with changes), Risk rating, kiasi na muda unaopendekezwa na sentensi ya Reasoning, kisha chagua Complete assessment.
  6. 6. Chagua Download report na usome PDF.

Jipime

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