{"id":1069,"date":"2015-09-06T14:49:12","date_gmt":"2015-09-06T13:49:12","guid":{"rendered":"http:\/\/www.inkomsten.se\/?p=1069"},"modified":"2015-09-06T14:49:12","modified_gmt":"2015-09-06T13:49:12","slug":"tjana-pengar-pa-mikrolan","status":"publish","type":"post","link":"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/","title":{"rendered":"Tj\u00e4na pengar p\u00e5 mikrol\u00e5n"},"content":{"rendered":"

Mikrol\u00e5n till sm\u00e5f\u00f6retagare i fattiga l\u00e4nder har b\u00e5de hyllats och kritiserats. Konceptet utvecklades av Muhammad Yunus som fick nobels fredspris 2006, och det finns m\u00e5nga historier om sm\u00e5f\u00f6retagare, ofta kvinnor p\u00e5 landsbygden i fattiga l\u00e4nder som har kommit ig\u00e5ng tack vare ett mikrol\u00e5n och p\u00e5 s\u00e5 s\u00e4tt kunnat starta upp en verksamhet, betala tillbaka l\u00e5net och bidra till familjens f\u00f6rs\u00f6rjning. Men \u00e4ven kritiserade f\u00f6r att s\u00e4tta f\u00f6retagare i en l\u00e5nef\u00e4lla och det finns ocks\u00e5 m\u00e5nga exempel p\u00e5 d\u00e4r f\u00f6retagaren inte kunnat betala tillbaka.
\nR\u00e4ntan f\u00f6r ett mikrol\u00e5n ligger normlt p\u00e5 ca 30% En h\u00f6g r\u00e4nta, men \u00e4nd\u00e5 ofta l\u00e4gre \u00e4n den ockerr\u00e4nta p\u00e5 kanske \u00f6ver 100% som lokala l\u00e5ngivare ofta tar ut.<\/p>\n

F\u00f6r den som har kapital och vill bidra till utl\u00e5ningen av mikrol\u00e5n har PDL Mikrofinans<\/a> emitterat obligationer till 5 procents r\u00e4nta per \u00e5r. Obligationerna har 5% r\u00e4nta per \u00e5r. Varje obligation kostar 25000kr. Prospektet \u00e4r godk\u00e4nt av finansinspektionen. Enligt rapporter fr\u00e5n prodel betalas 97-98 % \u00e4v krediterna tillbaka. Prodel har st\u00e4llt sitt kapital som s\u00e4kerhet f\u00f6r eventuella \u00f6verskjutande kreditf\u00f6rluster. Investeringar i PDL:s obligationer omfattas inte av den statliga ins\u00e4ttningsgarantin. <\/p>\n

Strukturen bygger p\u00e5 en samfinansiering d\u00e4r stiftlsen Prodel som tidigare var en del av Sida, och sedan 2003 en icke vinstdrivande akt\u00f6r p\u00e5 finansmarknaden st\u00e5r f\u00f6r 40% av pengarna. Kommunen d\u00e4r projekten genomf\u00f6rs betalar 45% och l\u00e5ntagaren m\u00e5ste bidra med 15% av summan. B\u00e5de Prodel och och PDL mikrofinans \u00e4r icke-vinstdrivande.<\/p>\n","protected":false},"excerpt":{"rendered":"

Mikrol\u00e5n till sm\u00e5f\u00f6retagare i fattiga l\u00e4nder har b\u00e5de hyllats och kritiserats. Konceptet utvecklades av Muhammad Yunus som fick nobels fredspris 2006, och det finns m\u00e5nga historier om sm\u00e5f\u00f6retagare, ofta kvinnor p\u00e5 landsbygden i fattiga l\u00e4nder som har kommit ig\u00e5ng tack vare ett mikrol\u00e5n och p\u00e5 s\u00e5 s\u00e4tt kunnat starta upp en verksamhet, betala tillbaka l\u00e5net … Forts\u00e4tt l\u00e4sa Tj\u00e4na pengar p\u00e5 mikrol\u00e5n<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[15],"tags":[],"class_list":["post-1069","post","type-post","status-publish","format-standard","hentry","category-inkomsttips"],"yoast_head":"\nTj\u00e4na pengar p\u00e5 mikrol\u00e5n - ekonomitips<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tj\u00e4na pengar p\u00e5 mikrol\u00e5n - ekonomitips\" \/>\n<meta property=\"og:description\" content=\"Mikrol\u00e5n till sm\u00e5f\u00f6retagare i fattiga l\u00e4nder har b\u00e5de hyllats och kritiserats. Konceptet utvecklades av Muhammad Yunus som fick nobels fredspris 2006, och det finns m\u00e5nga historier om sm\u00e5f\u00f6retagare, ofta kvinnor p\u00e5 landsbygden i fattiga l\u00e4nder som har kommit ig\u00e5ng tack vare ett mikrol\u00e5n och p\u00e5 s\u00e5 s\u00e4tt kunnat starta upp en verksamhet, betala tillbaka l\u00e5net … Forts\u00e4tt l\u00e4sa Tj\u00e4na pengar p\u00e5 mikrol\u00e5n\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/\" \/>\n<meta property=\"og:site_name\" content=\"ekonomitips\" \/>\n<meta property=\"article:published_time\" content=\"2015-09-06T13:49:12+00:00\" \/>\n<meta name=\"author\" content=\"inkomst\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"inkomst\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/\"},\"author\":{\"name\":\"inkomst\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7\"},\"headline\":\"Tj\u00e4na pengar p\u00e5 mikrol\u00e5n\",\"datePublished\":\"2015-09-06T13:49:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/\"},\"wordCount\":281,\"commentCount\":1,\"articleSection\":[\"Inkomsttips\"],\"inLanguage\":\"sv-SE\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/\",\"url\":\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/\",\"name\":\"Tj\u00e4na pengar p\u00e5 mikrol\u00e5n - ekonomitips\",\"isPartOf\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#website\"},\"datePublished\":\"2015-09-06T13:49:12+00:00\",\"author\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7\"},\"breadcrumb\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/#breadcrumb\"},\"inLanguage\":\"sv-SE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hem\",\"item\":\"https:\/\/sitetips.nu\/ekonomitips\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tj\u00e4na pengar p\u00e5 mikrol\u00e5n\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#website\",\"url\":\"https:\/\/sitetips.nu\/ekonomitips\/\",\"name\":\"ekonomitips\",\"description\":\"Ekonomitips\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/sitetips.nu\/ekonomitips\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"sv-SE\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7\",\"name\":\"inkomst\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sv-SE\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c7726a5b347fca46ca6eb7c1bb0478fcf703f9770c964a7a96fa2ed2a5bfd926?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c7726a5b347fca46ca6eb7c1bb0478fcf703f9770c964a7a96fa2ed2a5bfd926?s=96&d=mm&r=g\",\"caption\":\"inkomst\"},\"url\":\"https:\/\/sitetips.nu\/ekonomitips\/author\/inkomst\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tj\u00e4na pengar p\u00e5 mikrol\u00e5n - ekonomitips","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/sitetips.nu\/ekonomitips\/tjana-pengar-pa-mikrolan\/","og_locale":"sv_SE","og_type":"article","og_title":"Tj\u00e4na pengar p\u00e5 mikrol\u00e5n - ekonomitips","og_description":"Mikrol\u00e5n till sm\u00e5f\u00f6retagare i fattiga l\u00e4nder har b\u00e5de hyllats och kritiserats. 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