Mkopo (fedha) : Tofauti kati ya masahihisho

'''Mkopo''' wa kifedha ni [[pesa]] anazopewa mtu au [[shirika]] kama [[deni]] na [[benki]], asasi ya fedha ya ushirika<ref>{{Cite journal|last=Lunyeka|first=Saulo P.|last2=Nzuki|first2=Margreth P.|last3=Hassan|first3=Abdallah K.|date=April, 2005|others=Uploaded by Fpct Shelui|title=Mwongozo wa Mafunzo ya Uimarishaji wa Ushirika wa Akiba na Mikopo, Elimu ya Ujasiriamali na Stadi za Biashara Taasisi ya Tafiti za Kiuchumi na Kijamii|url=http://www.academia.edu/27896651/Mwongozo_wa_Mafunzo_ya_Uimarishaji_wa_Ushirika_wa_Akiba_na_Mikopo_Elimu_ya_Ujasiriamali_na_Stadi_za_Biashara_Taasisi_ya_Tafiti_za_Kiuchumi_na_Kijamii|format=PDF|journal=Mwongozo wa Mafunzo ya SACCOS|language=sw|publisher=Taasisi ya Tafiti za Kiuchumi na Kijamii|volume=|page=1|pages=|isbn=978 - 9987 - 770 - 03 - 8|access-date=2018-10-15|via=Academia}}</ref>, kundi au mashirka mengine yarioidhinishwa kukopesha [[fedha]]. Anaye pata mkopo huwa na deni analofaa kulipa kulingana na makubariano rasmi yake na anayemkopesha. Deni hili linaweza kuwa [[karadha]]<ref>{{Cite web|url=http://learn.e-limu.org/topic/view/?c=192|title=Msamiati: Malipo|author=eLimu|language=en|work=learn.e-limu.org|publisher=eLimu eLearning Company Limited.|accessdate=2018-10-15}}</ref> au mkopa unaolipwa na [[riba]]<ref>{{Cite web|url=http://swa.gafkosoft.com/msamiati_wa_malipo|title=Msamiati wa Malipo|author=Paneli la Kiswahili|language=sw|work=swa.gafkosoft.com|publisher=Gafkosoft|accessdate=2018-10-15}}</ref>. Riba diyo faida ya mashirika kama benki yanayo fanya biashara ya ukopeshaji.

Kuna aina mingi za mikopo kulingana na yanayohitajka kupata ule mkopo, anyelengwa na ule mkopo au lengo la matumizi ya ule mkopo. Mkopo unaeza kuwa fungika - mkopo unaochukuliwa kisha kulipwa kabla ya mtu kuidhinishwa mkopo mwingine au mkopo endelevu - mkopo unaoweza kuchukuliwa mmoja baada ya mwingi bila hasa kukamilisha kulipa mkopo uliotangulia kama vile mkopo wa kadi ya mkopo (credit card)<ref>{{Cite web|url=https://www.debt.org/credit/loans/|title=Types of Consumer Credit & Loans|author=America's Debt Help Organization|date=|language=en|work=Debt.org|accessdate=2018-10-15}}</ref>.

* Mkopo wa nyumba - mikopo inayopeanwa ya kununua nyumba hasa katika nchi ambazo biashara ya uuzaji wa nyumba imenawili kama vile Marekana. Nchi zingine kuna pia mikopo ya kurekebisha na kukarabati nyumba kama vile Singapore<ref>{{Cite web|url=https://www.katongcredit.com.sg/apply-home-renovation-loans/|title=Here’s Everything You Need to Know about a Singapore Renovation Loan in 2018|author=Katong Credit|language=en-US|work=Katong Credit website|publisher=Katong Credit Pte Ltd|accessdate=2018-10-15}}</ref>.