Inkqubo ka-Uber. (Ifoto ngu-Oli Scarff / imifanekiso ka-Getty) Kwangoko kulo nyaka, iUber Technologies iphelisile ubudlelwane bayo ne-Santander Bank , ebonelela ngenkxaso-mali kwabo banokuba ngamaqabane abaqhubi abafuna isithuthi. Inkqubo iye yagxekwa ngenxa Ukwenza imali mboleko ephantsi yexabiso eliphantsi kwaye Ukuhlutha iimoto ngokungekho mthethweni ixhaswe ngemali yemikhosi yaseMelika.
Ngokucacileyo u-Uber wenze inyathelo lokuzibandakanya ngokubambisana neWestlake yezeMali, umbolekisi ogcweleyo owaziwayo ngeenkqubo zakhe zeendleko eziphantsi. Ikwanayo nenkxaso-mali, iWilshire Consumer Credit, enegama elithandabuzekayo le- ngokubonelela ngemali mboleko yetayitile yezilwanyana .
Kwinkampani ethe phithi yi-PR, u-Uber wenza umsebenzi ombi wokujonga amaqabane akhe kwishishini.
Ewe, iqabane elitsha lika-Uber lifike nje laya kwenye ingxaki ye-PR, njengeZiko loKhuseleko lwezeMali zabaThengi wayibetha ngezigidi ezingama-44 zeedola kwityala nokubuyiselwa ukukhohlisa abathengi ngokufowunela phantsi kokuhanahanisa, nokusebenzisa ulwazi lwe-ID yomntu osifowunelayo, besoyikisa ngokuthumela abo babolekayo kuphando okanye ukutshutshiswa kolwaphulo-mthetho, kunye nokuveza ulwazi ngokungekho semthethweni malunga namatyala kubaqeshi bababolekisi, abahlobo kunye nosapho.
Ke kutheni u-Uber eguqile ephantsi kangaka? Okwakhe u-Uber ukufunda , ihanjiswe ebutsheni balo nyaka, ityhile i-45% yenqanaba lokutsala phakathi kwabaqhubi be-UberX abasebenza iinyanga ezili-12- kunye nenqanaba elongeziweyo elibonisa umyinge wama-60% emva kweenyanga ezili-16.
Ngenxa yokuba u-Uber enengxaki yokugcina abaqhubi, kuyanyanzeleka ukuba afune ukusuka ezantsi kwecandelo lezentlalo noqoqosho - abo banesidingo sengeniso eyongezelelweyo, kwaye kunokwenzeka ukuba baphathwe gadalala yimali yemali enenzala ephezulu- isitokhwe sika-Westlake.
Ingeniso ka-Uber ilingana neeTeksi
UCharles Rathbone, umqhubi weteksi osekwe eSan Francisco onamava eminyaka engama-40, olawula iimoto ezingama-200 zeeteksi, uthi abaqhubi be-Uber banemali. Ngokusekwe kumanani eengeniso ezipheleleyo kufundo luka-Uber, kunye nedatha yeendleko kwiphepha elimhlophe Ukuya kwiNdleko yokuQikelela kwe-NYC UberX Driver , kubonakala ngathi iRathbone ichanekile. Abaqhubi be-UberX bafumana malunga nokufana ne-NYC cab driver- malunga ne- $ 15 ngeyure. Uqoqosho luyoyikeka, utshilo uRathbone.
Le naiveté yemali inxibelelana namanqaku asezantsi etyala, ngokweCreditRepair.com .
Amanqaku emboleko ephantsi avelisa amaxabiso aphezulu ezemali. Ziindaba ezimnandi ezo eWestlake. Ingaphulukana nentlawulo yenzala ephezulu njenge-24.99% kumazwe amaninzi.
Njengokuba umvuzo ophantsi wawungalunganga ngokwaneleyo, inkxaso-mali ye-subprime yenza umvuzo ongaphezulu nangakumbi. Ku-24.99% ye-APR, intlawulo yenyanga yoqeshiso lweminyaka emi-3 yesithuthi esiyi- $ 22,000 iya kuba yi- $ 875 ngenyanga. I-APR ye-9.99% iya kunciphisa intlawulo yemoto ukuya kwi- $ 710 ngenyanga.
Ukuba umvuzo opheleleyo uphantsi kangako, abaqhubi banokugcina njani iintlawulo zengqeshiso? Kungenzeka ukuba abanako, yiyo loo nto inkqubo ka-Uber yeXchange Leasing ityhola abaqhubi ukuba babuyise imoto emva kweentsuku ezingama-30, benemali eyi-250 yeedola kuphela.
Kutheni uzikhathaza?
Kutheni le nto u-Uber enokuzikhathaza ngokufumana kule demographic, iqabane lakhe kunye nomnini mali we-subprime, kunye nokubonelela ngendlela yokubaleka, mhlawumbi esazi ukuba abaqhubi be-subprime banokuzibuyisa iimoto zabo? Mhlawumbi kukugcina ukubonakala ukuba abantu bayakhala ukuba babhalise, ngaloo ndlela beqinisa ixabiso lenkampani kwiimarike zabucala, kwaye baphumelele umlo we-PR ngokuchasene neeteksi.
Nangona kunjalo eli qhinga libonakala njengesixhobo soncedo kwinqanaba eliphezulu lokutsala. Elo nqanaba, kunye nesicwangciso sika-Uber, sinika enye inkcazo yebali lam elipapashwe kuMqwalaseli ngoSeptemba. Ndixele ukuba, kwizithuthi ezingama-20,448 ezibhalisiweyo ze-Uber, kuphela ezingama-3,227 ezazisebenza ngalo naliphi na ixesha elinikiweyo ehlotyeni. Uqikelelo kukuba kungekuphela nje ukuba ibango lokuba u-Uber afikelele kwinqanaba eliphezulu, kodwa nokuba inani labaqhubi abasebenzayo lingaphantsi kakhulu kwenani elibhalisiweyo, ngenxa yomtsalane omkhulu.
Eminye imiqobo ka-Uber
Ukongeza, kukho imiqobo enyukayo kubo bobabini ama-Uber kunye namaqabane anokubakho xa uthenga okanye uqeshisa imoto. Isithethi seLimousine, iBhasi, abaTeksi abaSebenzi base-Upstate New York (i-LBTOUNY) baxelele i-Braganca ukuba iibhanki, iinkampani eziqeshisayo kunye nabathengisi basebenza kwindawo engwevu xa kusiziwa kulwabiwo.
Abathengi abazenzekelayo kunye nabangaphantsi benza intengiselwano ngegama labo, kwaye abathengisi emva koko bathumele ezi zivumelwano kwiibhanki ezingajongani nemali mboleko ye-FHV ngokwesiko. Uninzi lwabathwali beinshurensi aluyi kuyenza imigaqo-nkqubo yoxanduva lomntu ukuba bafumanisa ukuba imoto isetyenziselwe ulwabiwo. Ke, ukuba imoto yonakele kwaye i-inshurensi iyala ukugquma, kwaye umgaqo-nkqubo olinganiselweyo wenkampani awuwugubungeli ngokupheleleyo umonakalo, umthengi unokuhamba ashiye isithuthi. Endaweni yokuba ishiywe ibambe ibhegi, ibhanki iyakubiza imali mboleko ibuyisele umthengisi, ibanga ukuba ikhontrakthi ubuqhetseba- kuba umboleki khange athi basebenzisa imoto ukwenza umdlalo kwakhona.
Iibhanki, iinkampani zokuqeshisa kunye nabathengisi baphakamisa inkcaso-kangangokuba indlu yowiso-mthetho yaseMissouri ngoku ifuna ukuba abaqhubi bafumane imvume yokufumana kwakhona kumnini-lienholder ukuze basebenzise imoto ukuzidibanisa.
Kuyacaca ukuba iintsuku zaseWest West zika-Uber zifike esiphelweni, njengoko imiceli mngeni yolawulo inyuka, abaqhubi bafunda ukuba intlawulo yokuhlawulwa kweentaka yeyentaka, kwaye i-NYC ibonakala ifikelele kulungelelwaniso. Umbuzo oshiyekileyo kukuba i-Uber inokuphonononga ixesha elingakanani kwiimarike zabucala ukuze zongeze imali ngaphambi kokuba umculo uyeke.
U-Lawrence Meyers ngumhlalutyi wezezimali kunye nomgaqo-nkqubo. Kunokuqhagamshelwana naye kwi-PDLCapital66 @gmail.com. Okwangoku akanasikhundla nakoluphi na ukhuseleko ekuxoxwe ngalo apha.
