Ezweni lebhizinisi, impumelelo ayivamile ukwenzeka ngenhlanhla. Ngokuvamile kuba umphumela wokukhetha kwamasu, isikhathi esinembayo, kanye nenhlanganisela yokucabanga phambili nekhono lokubulala. Ngemuva kwezinombolo ezinkulu, cishe kuhlale kukhona umkhondo omakwa ngezingozi ezibaliwe, izifundo eziwine kanzima, kanye nokuphikelela okushintshana nezimakethe zesimo sezulu.
Umkhondo womdabu waseBrasilia uMarcos Koenigkan uwubufakazi balokhu. Lapho eneminyaka engu-17, waqala uhambo lwakhe lwezamabhizinisi ngokudayisa kabusha imidwebo yamaciko endawo e-Brasília, umnyakazo obonakala ulula owawufanekisela ikhono lakhe eliyingqayizivele lokuhlonza nokusebenzisa amathuba anganakekelwa yimakethe evamile.
Isinyathelo esilandelayo safika ngesibindi namasu: lapho eneminyaka engu-19, etshale imali encane elinganiselwa ku-R10,000, wavula i-ejensi yakhe yokuqala yezindlu, egxile kuma-condominiums avundlile esiFundeni Sesifunda, ingxenye enganakwa abadlali abakhulu embonini. Lesi sinqumo sasiwujuqu: savula iminyango yokukhuphuka kwakhe emakethe, siveza ukunambitheka kwakhe kanye nekhono lebhizinisi elibukhali.
Ukuqonda kwakhe kokuphayona kwaqiniswa ekudalweni kwe-IBAVI (I-Brazilian Institute of Real Estate Assessments and Appraisals), eyangenisa inkathi yedijithali ngokusungula uhlelo lwayo lokuqoqa nokuhlaziya idatha yezindlu ezithengiswayo, intuthuko edabukisayo yemakethe yaseBrazil ngaleso sikhathi. Phakathi kuka-2007 no-2014, u-Koenigkan waba umuntu ohamba phambili kulo mkhakha. "Nganginomthwalo wemfanelo wokwethula cishe u-90% wamakhondomu avundlile asemthethweni esifundeni," ephawula.
Ngokuhlangenwe nakho kwakhe okuhlanganisiwe nombono ohlale ungaphambi kwesikhathi sakhe, usomabhizinisi wasungula i-MK Group, inkampani ebambe iqhaza egxilisa amabhizinisi emikhakheni ehlukene, kodwa exhunywe umqondo ofanayo wenani: ukusungula izinto ezintsha, ukubeka amasu, kanye nokuba nekhono kwezindawo ezingahlolisiswanga.
Emhlabeni wezobuciko, udale i -Catálogo das Artes (Ikhathalogu Yezobuciko ), ingosi enkulu kunazo zonke yaseBrazil yemisebenzi yamanani nezinto zakudala, ekwazisa ukukhiqizwa kazwelonke emakethe okubiza amaRandi ayizigidi eziyizinkulungwane ezimbili, ngokusho kwe-Ipea. Emkhakheni wezindlu ezithengiswayo, uhola i-LK Engenharia kanye ne -MK Participações , esebenza kumaphrojekthi okuhlala kanye nezohwebo asebe yizilinganiso zezakhiwo ezithengiswayo esifundeni sase-Federal.
Ephethe i-fintech MEO Bank , uhlose ukwelula isigidigidi esi-R1 sesikweletu sebhizinisi ekupheleni konyaka wezi-2025, enze lula ukufinyelela emalini ezinkampanini eziphakathi nendawo. Uphinde aphathe izinhlobo ze- Show Self Storage , You Box , kanye ne-Brasília Self Storage , abasafufusa njengabaholi besitoreji esihlakaniphile emkhakheni okhula ngo-15% ngonyaka (ABRASSI, 2023) oqhutshwa ukunwetshwa kwe-e-commerce kanye nokubumbana kwempilo 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 sokuhwebelana phakathi kosomabhizinisi futhi manje isingesinye sezinkundla ezihamba phambili zaseBrazil zenkulumompikiswano yamasu. I-Koenigkan isebenzise imibandela yobulungu eqinile, yamukela kuphela abanikazi nezikhulu eziphezulu zezinkampani ezibiza izigidigidi zamarandi, iqinisekisa ukugxila nokukhethekile. "Umhlangano ngamunye uyinselelo yamasu: indlela yokuthuthukisa ibhizinisi, indawo yebhizinisi, kanye nokukhiqiza. Konke esikwenzayo kusekelwe emalini, ukuhweba, kanye nokuguqulwa kwesimiso sezinto eziphilayo," usho kanje.
Imihlangano iguquke yaba imicimbi evaliwe, futhi Inkomfa ye-Mercado & Opinião yaba inkundla yezingxoxo ezithonya ngokuqondile imikhakha ebalulekile yomnotho. "Usomabhizinisi umayelana nokuvuselela njalo. Ngifunde ukuthi amaphutha abalulekile ekuthuthukiseni igunya kanye nombono ophelele wemakethe. Umehluko usekulaleleni iklayenti, ukuhlola imibono, kanye nokungesabi ukushintsha inkambo, "kusho u-Koenigkan.
Ukutshalwa kwezimali kwayo ebhange i-MEO kuqinisa isu layo lokusebenzisa idijithali kanye nokusungula izinto ezintsha, linqamula imigoqo yohlelo lwezimali oluvamile. Ngokwedatha evela ku-Digital Credit Fintechs Survey, eyenziwe yi-PwC kanye ne-Brazilian Digital Credit Association (ABCD), umthamo wesikweletu onikezwe ama-fintechs ukhule ngo-52%, wafinyelela ku-R21.1 bhiliyoni 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 ebezinganakwa zibe ngamathuba ezigidigidi zamarandi,” kusho lo somabhizinisi.
IBrazil ibhekene nesikhathi soguquko kwezomnotho, futhi abaholi abafana noMarcos Koenigkan bahamba phambili kulolu shintsho. Indaba yakhe ayigcini nje ngezinombolo, kodwa futhi imayelana namasu, umbono, nokuqina—izithako ezichaza osomabhizinisi abakwazi ukubumba ikusasa lezwe.
