Ezweni lezamabhizinisi, impumelelo ayivamile ukuba yindaba yenhlanhla. Ngokuvamile kuba umphumela wokukhetha kwamasu, isikhathi esinembayo, kanye nenhlanganisela yokubona kusengaphambili namandla okusebenzisa. Ngemuva kwezinombolo ezihlaba umxhwele, cishe kuhlale kukhona umkhondo ophawulwa ngezingozi ezibaliwe, izifundo eziwine kanzima, nokuphikelela okumelana nemijikelezo yemakethe.
Umzila kaMarcos Koenigkan, waseBrasília, uwubufakazi balokhu. Lapho eneminyaka engu-17, wathatha izinyathelo zakhe zokuqala kwezamabhizinisi ngokuthengisa kabusha imidwebo yamaciko endawo e-Brasília, umnyakazo obonakala ulula, kodwa owawufanekisela ikhono lakhe eliyingqayizivele lokuhlonza nokusebenzisa amathuba anganakekelwa yimakethe evamile.
Isinyathelo esilandelayo safika ngesibindi namasu: eneminyaka engu-19, ngokutshalwa kwezimali okuncane, cishe ku-R$ 10,000, wavula i-ejensi yakhe yokuqala yezindlu, ukubheja kumakhondomu avundlile esiFundeni Sesifunda, ingxenye enganakwa abadlali abakhulu kulo mkhakha. Lokhu kukhetha kwaba ngujuqu: kwavula iminyango yokukhuphuka kwakhe emakethe, kwembula ukunambitheka kwakhe okujulile nombono webhizinisi.
Umbono wakhe wokuphayona waqina lapho kwakhiwa i-IBAVI (i-Brazilian Institute of Real Estate Appraisals and Expertise), eyayilindele isikhathi sedijithali ngokusungula uhlelo lwayo lokuqoqa nokuhlaziya idatha yezindlu ezithengiswayo, into entsha emakethe yaseBrazil ngaleso sikhathi. Phakathi kuka-2007 no-2014, u-Koenigkan waba umholi ongenambangi kulo mkhakha. “Yimina obenesibopho sokwethula cishe u-90% wamakhondomu avundlile asemthethweni esifundeni,” usho kanje.
Ngolwazi lwakhe oludidiyelwe kanye nombono wokucabanga phambili, usomabhizinisi wasungula i-MK Group, inkampani ebambe iqhaza egxilisa amabhizinisi emikhakheni ehlukene, kodwa exhunywe umqondo ofanayo onenani: ukusungula izinto ezintsha, ukubeka amasu, kanye nokuba nekhono kwezindawo ezingahlolisiswa kancane.
Emhlabeni wezobuciko, wakha i -Catálogo das Artes (I-Art Catalogue ), ingosi enkulu kunazo zonke yaseBrazil yokubeka amanani emisebenzi yobuciko nezinto zakudala, ekhuthaza ukukhiqizwa kuzwelonke emakethe ehambisa u-R$2 billion, ngokusho kwe-Ipea. Emkhakheni wezindlu ezithengiswayo, uhola i-LK Engenharia kanye ne -MK Participações , esebenza kumaphrojekthi okuhlala nokuhweba asephenduke ibhentshimakhi e-real estate ku-Federal District.
Ephethe i-fintech MEO Bank , uhlose ukunikeza u-R$ 1 bhiliyoni wesikweletu sebhizinisi ekupheleni kuka-2025, enze lula ukufinyelela emalini ezinkampanini eziphakathi nendawo. Ubuye ahole amabhrendi Bonisa Isitoreji Self , Ibhokisi Lakho , Futhi I-Brasília Self Storage , abasafufusa njengabaholi besitoreji esihlakaniphile emkhakheni okhula ngo-15% ngonyaka (ABRASSI, 2023), eqhutshwa ukunwetshwa kwe-e-commerce kanye nokuhlanganisa impilo yasemadolobheni. Futhi, emkhakheni wokuxhumana okunethonya elikhulu, uhola iMercado & Opinião , iqembu elihlanganisa abaholi bamabhizinisi abangaphezu kuka-900 abanomthwalo wemfanelo cishe wama-35% we-GDP kazwelonke yezingxoxo zamasu nezingxoxo ezithinta ngokuqondile imikhakha ebalulekile yomnotho.
I-Mercado & Opinião yazalwa ngesikhathi sodlame njengesinyathelo esingakahleleki sokushintshisana phakathi kosomabhizinisi futhi namuhla ingenye yezinkundla ezinkulu zezingxoxo zamasu eBrazil. I-Koenigkan isebenzise imibandela yobulungu eqinile, yamukela kuphela abanikazi nezikhulu eziphezulu zezinkampani ezibiza izigidigidi zamadola, okuqinisekisa ukugxila nokukhethekile. "Umhlangano ngamunye uvusa amasu: indlela yokuthuthukisa amabhizinisi, indawo yebhizinisi, ukukhiqiza. Konke esikwenzayo kunonyawo lwemali, ukuhweba, kanye nokuguqulwa kwe-ecosystem yebhizinisi," usho kanje.
Imihlangano iguquke yaba imicimbi evaliwe, futhi Inkomfa ye-Mercado & Opinião yaba inkundla yezingxoxo ezithonya ngokuqondile imikhakha ebalulekile yomnotho. "Usomabhizinisi umayelana nokuzisungula kabusha njalo. Ngafunda ukuthi amaphutha abalulekile ekuthuthukiseni igunya kanye nombono ophelele wemakethe. Umehluko oyinhloko usekulaleleni ikhasimende, ukuhlola imibono, kanye nokungesabi ukushintsha indlela," kusho u-Koenigkan.
Ukutshalwa kwezimali kwabo ku-MEO Bank kuqinisa isu labo lokusebenzisa idijithali kanye nokusungula izinto ezintsha, beqeda izithiyo zohlelo lwezimali oluvamile. Ngokwedatha evela ku-Digital Credit Fintechs Survey, eyenziwe yi-PwC kanye ne-Brazilian Association of Digital Credit (ABCD), umthamo wesikweletu onikezwe ama-fintechs ukhule ngo-52%, wafinyelela ku-R$21.1 webhiliyoni ngo-2023.
Iqembu le-MK lihlela ukuphinda kabili imali engenayo ekupheleni kuka-2025, lisekelwa ubuchwepheshe, ukubambisana okuqinile, namandla okuxhumana okufanelekayo. “Imfihlo iwukwakha imvelo exhumanisa abantu, amabhizinisi nemibono, siguqule izinto ebezikade zinganakiwe zibe amathuba ezigidigidi zamarandi,” kusho lo somabhizinisi.
IBrazil ibhekene nesikhashana soshintsho kwezomnotho, futhi abaholi abafana noMarcos Koenigkan bahamba phambili kulolu shintsho. Indaba yakhe ayigcini nje ngezinombolo, kodwa imayelana namasu, umbono, nokuqina—izithako ezichaza osomabhizinisi abakwazi ukubumba ikusasa lezwe.
