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(单词翻译:双击或拖选)
肯尼亚人民通过掌上微借贷平台进行创业
Samuel Kinuthia, a chef in Nairobi, begins his workday by preparing ingredients for the day's special. He has been a chef for the last 18 years and started his own catering1 business last year to supplement his regular income. Kinuthia got the loan to start his business through Branch, a microlender that provides financial services including loans to Kenya residents. He says, Branch has been a boon2 for his business.
萨穆埃尔·金努西亚是肯尼亚首都内罗毕的一名主厨,他从准备今天特别菜肴的原材料开始了一天忙碌的工作。他从事主厨已经有18年,去年他有了自己的餐饮生意,以此来贴补固定收入。金努西亚是通过微借贷平台Branch得到贷款进行创业,这个平台专为肯尼亚居民提供包括贷款在内的金融服务。他表示Branch使得自己的生意获利。
“Catering equipment is quite expensive and I have been trying to acquire a few items here and there. But Branch has been with me all along the way. And it's also less of a hassle because at 8 to 9 percent interests on a 42-day loan, is quite easy to maintain and quite friendly, and then the repayment3 plan—you can pay in small amounts even before the scheduled payment dates.”
“餐饮业的设备非常昂贵,我一直尽力到处搜罗。但是一路过来是Branch一直相伴。由于Branch42天的借贷期利息只有8%-9%,它帮我省去了一些烦恼,很容易维持稳定,而且还非常友好,还有债务偿还机制,你甚至可以在规定还款日到来之前先还一小部分。”
Introduced in 2015 by Matt Flannery, Branch is a microfinance institution that has been billed as a bank in your pocket. The app can be accessed on Google Play store and on Facebook.
2015年由马特·弗兰纳里创造的Branch是一家小额信贷机构,就好比你口袋中的银行一样。在Google Play商店及Facebook上你都能找到这款应用程序。
For a six-month repayment period, clients can apply for loans from as little as $10 to a maximum of $500. And the interest rates are as low as 5 percent in a country where banks charge as much as 26 percent. There are three other major companies targeting the microloan market:M-Shwari, M-Co-op Cash and KCB M-Pesa, all of them linked to large commercial banks.
Branch的贷款偿还期限是6个月,贷款额度从最小的10美元到最高500美元不等。利息率是国内最低的5%,相较之下银行的利率是26%。而对于微贷市场,还有另外3家大型公司:M-Shwari、M-Co-op Cash及KCB M-Pesa, 全部与大型商业银行挂钩。
“We don't necessarily see ourselves directly competing with them. We don't think this is a winner-takes-all market. We are very excited to be working alongside them, and I think we are all working toward the same kind of goal here.”
“我们没必要把我们自己视为同他们是直接竞争关系。我们认为赢家不会一家独大,占有全部市场。我们很高兴同他们一起合作,而且我认为我们都是朝着同一个目标努力。”
And for Samuel Kinuthia, that goal is using advancements4 in technology to make it easier to expand his business.
而对于萨穆埃尔·金努西亚而言,他的目标就是凭借科技的进步使自己更方便地将生意越做越大。
1 catering | |
n. 给养 | |
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2 boon | |
n.恩赐,恩物,恩惠 | |
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3 repayment | |
n.偿还,偿还款;报酬 | |
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4 advancements | |
n.(级别的)晋升( advancement的名词复数 );前进;进展;促进 | |
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