Isikhokelo soMthengi seNkqubo yokuQalisa iMali-mboleko: Khetha Eyona Ifanelekileyo

Inkqubo yokuqalisa imali-mboleko (LOS) yisoftware eqhuba isiqingatha sokuqala sokubolekisa: ukwamkelwa kwezicelo, ukuqokelelwa kwamaxwebhu, ukuhlolwa kwetyala, ukuvunywa, kunye nokukhutshwa kwemali.

Le yinkcazelo eluncedo, kodwa ikwayindawo apho izigqibo ezininzi zokuthenga ziphambuka khona. Idemo oza kuyibona idla ngokubonisa ifomu yesicelo ecocekileyo kunye nokuvunywa okukhawulezayo, kodwa ayizukukubonisa okwenzekayo ngosuku lwama-45 xa umboleki ehlawula inxalenye nge-mobile money—kwaye amagosa amabini ayifaka ngokwahlukileyo.

Umbuzo wokwenene awungo “yeyiphi inkqubo yokuqalisa imali-mboleko engcono?” koko “yeyiphi inkqubo eqhubeka isebenza emva kokuba imali-mboleko ivunyiwe?”

Ukuqalisa imali-mboleko mhlawumbi ziiveki ezimbini kubudlelwane beminyaka emibini. Okunye ziintlawulo, amatyala asemva, izohlwayo, uhlengahlengiso, iirisithi, kunye neencwadi.

Esi sikhokelo senzelwe abanini kunye nabaphathi bemisebenzi kubabolekisi abakhulayo: ii-MFI, ii-SACCO, iimanyano zamatyala, ababolekisi bemali-mboleko yomvuzo, kunye nababolekisi abazimeleyo bemali kwiPhilippines nakwiimarike ezifanayo.

Uninzi lwenu alutshintshi iqonga lebhanki elingundoqo. Nisuka kwi-Excel, kwiqela le-WhatsApp, nakwikhabhathi yeefayili. Oko kuyitshintsha ngokwenene into ekufuneka niyikhathalele.

Ukuba ufuna ukubona ukuba iqonga elipheleleyo linjani ngamanani akho, ungaqala uvavanyo lwasimahla apha lendbox.io kwaye ungenise incwadi yakho ekhoyo yemali-mboleko usuka kwi-Excel okanye kwi-CSV. Thumela nje ifayile kwaye iqela liza kukuseta iakhawunti yakho.

Qala Ngomsebenzi Ekufuneka Uwenziwe Yinkqubo Yakho

Phambi kokuba uqalise ukuthelekisa isoftware yokuqalisa imali-mboleko, bhala phantsi apho inkqubo yakho iqala kwaye iphela khona ngokwenene.

Uninzi lwababolekisi abancinci luyabona ukuba ngokwenene lufuna inkqubo yokulawula imali-mboleko equka ukunakekelwa—hayi nje i-LOS ecocekileyo edlulisela imali-mboleko ebhukiweyo ize inyamalale.

Apho Ukuqaliswa Kwemali-mboleko Kuqala Kwaye Kuphela Khona

Ukuqaliswa kwemali-mboleko kuquka umzuzu apho umboleki ebonisa umdla ukuya kutsho ekukhutshweni kwemali.

Ngokwenkqubo, oko kuthetha ukwamkelwa kwesicelo semali-mboleko, ukufakwa kwamaxwebhu e-KYC, ukuhlolwa kokukwazi ukuhlawula, ukuvunywa, ukusayinwa kwesivumelwano, kunye nokukhutshwa kwemali.

Kuphela ngalo mzuzu imali ishiya iakhawunti yakho. Yonke into emva koko—iishedyuli, iirisithi, izikhumbuzo, ukulandelela amatyala asemva—ihlala ngaphandle kokuqaliswa kwemali-mboleko ngengqiqo engqongqo.

Iibhanki ezinamaqonga ahlukeneyo okunakekela zingaphila nalo mda. Kumbolekisi onabasebenzi abathandathu, loo mda ungqongqo yintloko ebuhlungu elindele ukwenzeka.

Indlela I-LOS Eyahluka Ngayo Kwisoftware Yokunakekela Imali-mboleko

Isoftware yokunakekela imali-mboleko ilawula imali-mboleko esebenzayo. Ivelisa ishedyuli yokuhlawula, isebenzisa iintlawulo ngolandelelwano olufanelekileyo, ibala inzala kunye nezohlwayo, kwaye ilandelela amatyala asemva.

Iinkqubo ezimbini ezahlukeneyo zithetha iinguqulelo ezimbini zenyaniso. Ukudluliselwa kokunakekelwa kulapho ndibone uninzi lwababolekisi abancinci belahlekelwa yidatha: imali-mboleko evunyiweyo eneshedyuli yeeveki ezili-12 yakhiwa ngesandla kwisixhobo sokunakekela, umntu uthayipha gwenxa umhla wokuqala, kwaye ingxelo yamatyala asemva iphosakele ukusuka kwiveki yokuqala.

Buza nawuphi na umboneleli ngqo: ingaba imali-mboleko evunyiweyo iba yimali-mboleko esebenzayo, eneshedyuli kwinkqubo enye, ngaphandle kokufakwa kwakhona?

Xa Inkqubo Yokulawula Imali-mboleko Iyeyona Ifanelekileyo

Ukuba unamasebe angaphantsi kwesihlanu kwaye unemali-mboleko esebenzayo engaphantsi kwamawaka ambalwa, inkqubo emanyeneyo yokulawula imali-mboleko phantse isoloko iyoyisa ukudibanisa izixhobo zokubolekisa zedijithali.

Ufumana irekhodi elinye lomboleki, imbali enye yemali-mboleko, iseti enye yamanani. Amaqonga akhelwe eli cala lemarike, iLendbox iphakathi kwawo, aqhuba ukuqaliswa kunye nokunakekelwa ngendlela enye endaweni yokudibanisa iimveliso ezimbini.

Khetha indlela yeenkqubo ezahlukeneyo kuphela ukuba unesizathu sokwenene: iqonga lebhanki elingundoqo ongenakulitshintsha okanye iindlela zokusebenza zokubolekisa ezahluke kakhulu ngemveliso kangangokuba inkqubo enye ayinako ukuzisingatha.

Tshatisa Iqonga NeModeli Yakho Yokubolekisa

Imarike ye-LOS ilawulwa ngamaqonga akhelwe ukubolekisa kwezorhwebo kwiibhanki zengingqi kunye nababolekisi bemali-mboleko yezindlu eMntla Melika.

Isoftware ebalaseleyo, kodwa yimilo engalunganga kwi-SACCO eCebu eqhuba iimali-mboleko zeqela kunye nokutsalwa emivuzweni.

Iimfuno Zokubolekisa Kwabathengi, Kwezorhwebo, Kwezezindlu Namaqela

Imodeli nganye yokubolekisa icela inkqubo into eyahlukileyo. Yila eyakho phambi kokuba wenze uluhlu olufutshane.

Imodeli yokubolekisaInto ekufuneka inkqubo iyisingathe kakuhleImboleko yomthengi / i-advance yomvuzoUkwamkelwa okukhawulezayo, ukuqinisekiswa komqeshi, iishedyuli ezimfutshane zokuhlawula, imijikelo yokutsalwa emvuzweniUkuqaliswa kwemali-mboleko yorhweboUkusasazwa kwezemali, uluhlu lwababoleki ngokwemigangatho, ukulandelela izivumelwano, iimemo zetyalaImali-mboleko yezindlu / ye-asethiIrejista yesibambiso, uqikelelo lwexabiso, ukubekwa kweliso kwi-loan-to-value (LTV), iishedyuli ezindeUkubolekisa kwamaqelaIirekhodi zamaqela, uxanduva oludibeneyo, ukuqokelela ngemini yeentlanganiso, ingxelo kwinqanaba leqela

Ukubolekisa kwamaqela yeyona nto amaqonga amaninzi ehlabathi ayiphosisa. Ukuba amagosa akho aqokelela kumalungu angama-20 kwiholo yebarangay ngoLwesine, ufuna isikrini seqela, hayi izikrini ezingama-20 zemali-mboleko yomntu ngamnye.

Umahluko Phakathi Kweemfuno Zababolekisi Abancinci Nezamashishini Amakhulu

Amaqonga okubolekisa kumashishini athengisa ukucwangciswa: iinjinjini zemithetho, ukulungelelaniswa kokuhamba komsebenzi, iileya zokudibanisa. Olo kuguquguquka kufika ngexabiso lexesha lokuphunyezwa kunye nabacebisi.

Umbolekisi onabasebenzi abasibhozo ufuna okwahlukileyo. Ufuna ukusetwa okuqiqileyo, inkqubo igosa lakho lemali-mboleko elinokuyifunda ngenye imva kwemini, kunye namaxabiso angayi kudinga mvume yebhodi.

Ezinye iimpawu zongeza nje iindleko nobuxinzeleli: amaxabiso entengiso yesibini, ulawulo lwabatyali-mali, iindlela zeDeFi. Uninzi lwababolekisi abalingana nawe alunakuzichukumisa. IiCDFI neebhanki zoluntu e-US zingazenza, kodwa lelo lelinye ilizwe.

Xa Iindlela Zokusebenza Ezikhethekileyo Zoshishino Zibaluleke Ngaphezu Koqwalaselo

Uqwalaselo lubalulekile kuphela xa unomntu onokuluqwalasela. Uninzi lwababolekisi abancinci alunabo.

Khetha iqonga apho ubunyani bakho bokubolekisa sele bukhona ngaphandle kokuqwalaselwa: iimali ezininzi, ukukhutshwa kwemali, imithetho yezohlwayo onokuyimisela ngaphandle kwekhowudi, kunye nokufikelela ngeselula kumagosa akwintsimi.

Cela umthengisi ukuba akhe enye yeemveliso zemboleko zakho zokwenene ngqo ekufowuneni. Ukuba kumthatha ngaphezu kwemizuzu elishumi, kuya kukuthatha ngaphezu kwenyanga.

Vavanya Indlela Yokusebenza Ukusuka Kwisicelo Ukuya Kulwamkelo

Indlela yokusebenza yokuqalisa ilapho imiboniso ikhanya khona ngokwenene, ngoko yibambe ngokuthandabuza. Yivavanye ngesicelo esinengxaki, hayi esifezekileyo: amaxwebhu angekhoyo, inani elingachanekanga lengeniso, kunye nolwamkelo oludinga utyikityo lwesibini.

Ukwamkelwa Kwedijithali Nokuqokelelwa Kwamaxwebhu

Khangela ukuba ababoleki bangafaka izicelo kwi-intanethi ngaphandle koncedo lwabasebenzi. Qinisekisa ukuba unakho ukulawula iindawo zokufaka kwisicelo kunye namaxwebhu afunekayo kwimveliso nganye yemboleko.

Ukufakwa kwamaxwebhu kubaluleke ngaphezu kokuba unokucinga. Amagosa athatha iifoto zesazisi ngefowuni ekukhanyeni okubi yinyaniso yakho, ngoko vavanya ukulayishwa ngeselula, hayi nje ukutsalwa nokuyekwa kwidesktop.

Amanye amaqonga ngoku aqhuba iitshekhi ze-AI kumaxwebhu alayishiweyo kwaye aphawule abonisa ukukrokrela ukuze ahlolwe. Yithathe njengesixhobo sokuhlela, hayi isigqibo. I-Lendbox ibandakanya ukufumanisa ubuqhophololo kumaxwebhu kunye nokunikezelwa kwamanqaku omngcipheko wetyala njengesiqhelo, kodwa umntu usayina ekugqibeleni.

Ukuvavanywa Komngcipheko, Ukufaneleka Nokuthathwa Kwezigqibo Zamatyala

Buza ukuba ukukhangela ukufaneleka kusebenza njani ekusebenzeni. Ukuvavanywa okulawulwa yimithetho kunamandla ukuba unamawaka ezicelo; kungumthwalo ukuba unamashumi amane ngeveki kwaye umphathi wesebe wazi wonke umboleki.

Eyona nto ababolekisi abaninzi abayifunayo ngokwenene: imithetho yeshishini enokuqwalaselwa yezinto ezisisiseko (ubungakanani obuphezulu bemboleko, imida yexesha, ukuvezwa kumboleki ngamnye) kunye nembono ecacileyo yembali yangaphambili yemboleko kunye namatyala angekahlawulwa ngaphambi kolwamkelo.

Ukuvavanywa okuzenzekelayo okunika umfaki-sicelo amanqaku kuluncedo. Qinisekisa nje ukuba ungakwazi ukusitshintsha ngesandla, kwaye olo tshintsho lubhalwe ndaweni ithile.

Ukuqhutywa Kolwamkelo, Izinto Ezingaqhelekanga Nokuhlolwa Komntu

Iindlela zokusebenza zolwamkelo kufuneka zihambelane nemida yakho yokunikezelwa kwegunya. Igosa lemboleko liyacebisa, umphathi wesebe uyavuma ukuya kuthi ga kumda othile, umlawuli uyavuma ngaphezu kwalowo.

Ukuphathwa kwezinto ezingaqhelekanga yinto abathengisi abayitsibayo. Buza ukuba kwenzeka ntoni xa umvumisi esekhefini, okanye xa imboleko evunyiweyo ifuna ukuba isixa sayo sitshintshwe phambi kokukhutshwa, okanye xa imboleko ikhutshwe ngempazamo.

Ukubuyisela irekhodi elicinyiweyo okanye elibhalwe ngokungalunganga ngaphandle kwetikiti lenkxaso kufanele ukukhangela. Iibin zokurisayikilisha azinomtsalane, kodwa zisindisa iimva kwemini ezipheleleyo.

Amaxwebhu, Imisebenzi Nokunxibelelana Nabo Baboleki

Iitemplates zezivumelwano ezinokuphinda zisetyenziswe ezithatha ngokuzenzekelayo idatha yomboleki neyemboleko ziphelisa umkhwa wokuchwetheza kwakhona iikhontrakthi kwi-Word kumboleki ngamnye. Qinisekisa ukuba unako ukwenza ngaphezu kolunye uhlobo lwetemplate kwaye usayine ngaphakathi.

Ukuqhutywa kwemisebenzi kuthintela izicelo ukuba zingayeki. Unxibelelwano oluzenzekelayo luyanceda nalo: isicelo sifunyenwe, ulwamkelo luqinisekisiwe, ukukhutshwa kwemali kwenziwe.

Kule marike, izikhumbuzo ze-SMS ne-WhatsApp zoyisa i-imeyile kakhulu. Iportal yababoleki apho abathengi banokuzithathela khona ingxelo yabo inciphisa inani elimangalisayo leminxeba eya kwisebe lakho.

Vavanya Ukudluliselwa KuLondolozo LweMboleko Nolawulo Lwepotfoliyo

Kulapho imboniso entle yokuqalisa iyanyamezela okanye yonakala khona. Qhuba imboleko enye yovavanyo ukusuka kwisicelo ukuya kwintlawulo yesithathu, kubandakanya intlawulo engaphelelanga nentlawulo eyenziwe emva kwexesha, kwaye ubukele ukuba i-accounting yenza ntoni ngasemva kwayo.

Ukubhaliswa Kweemboleko, Iishedyuli Nokusetyenziswa Kweentlawulo

Ukukhutshwa kwemali kufuneka kuvelise ishedyuli yokuhlawula ngokuzenzekelayo, kunye nenzala, iifizi, kunye nemithetho yezohlwayo esele isetyenzisiwe.

Ukusetyenziswa kwentlawulo yinkcukacha eyahlula ulondolozo lwemboleko oluzenzekelayo lokwenyani kwilog yeentlawulo. Buza ngqo ukuba intlawulo engaphelelanga yabiwa njani: izohlwayo kuqala, emva koko inzala, emva koko isixa esiyinqununu, okanye olunye ulandelelwano. Emva koko ubuze ukuba amagosa amabini angayaba ngokwahlukileyo intlawulo enye.

Ukuba impendulo ithi “igosa liyagqiba,” incwadi yakho yeemboleko iya kutyekeza kungakapheli nekota.

Ukuqokelelwa Kweentlawulo, Ucwangciso-mali Nengxelo Yokusebenza

Ukubonakala kwamatyala angekahlawulwa yeyona nto ibalulekileyo. Ufuna iibhakethi zobudala beentsuku ezingama-30, ezingama-60, nezingama-90, inani lepotfoliyo esemngciphekweni (PAR) (isabelo sencwadi yakho eneentlawulo ezivelate), kunye nengxelo yemihla ngemihla oya kuyifunda ngokwenene.

Ukusetyenzwa kweentlawulo okuzenzekelayo akubalulekanga ukuba amangeniso awaze afike ezincwadini zakho. Qinisekisa ukuba ukukhutshwa kwemali, iintlawulo, iifizi, kunye nokucinywa kwamatyala kuvelisa amangeniso ejenali kwitshathi yee-akhawunti efanelekileyo engeniswa kabini.

Ukuba ukuvalwa kokuphela kwenyanga kuthatha iintsuku ezintathu, phantse kusoloko kungenxa yokuba iirekhodi zemboleko kunye ne-accounting zihlala kwiinkqubo ezahlukileyo. I-accounting eyakhelwe ngaphakathi, njengoko iLendbox isenza, isusa elo nyathelo lokuthelekisa ngokupheleleyo.

Ukubonakala Kwepotfoliyo Kuwo Onke Amagosa Namasebe

Iofisi enkulu kufuneka ibone imeko yanamhlanje, hayi eyoLwesihlanu odlulileyo. Khangela ukuba idatha yesebe iyahlangana ngexesha lokwenyani kwaye ukuba unako na ukujonga ukusebenza ngegosa lemboleko.

Uhlalutyo lwepotfoliyo kwinqanaba legosa likuxelela ukuba yeyiphi incwadi yemali-mboleko ewohlokayo phambi kokuba umphathi wesebe ayivume. Olo luvo lunye lunexabiso lolawulo lomngcipheko elingaphezulu kunoninzi lweenjini zokuthatha izigqibo.

Ingxelo yokuthobela imigaqo iyahluka ngokwemarike, ngoko jonga ukuba yintoni onokuyikhupha ngaphandle kunokuba ucinge ukuba naliphi na iqonga likufayilisha nantoni na.

Khangela Ukulungela koLawulo, iDatha noDityaniso

Ulawulo alusiyo nje umsebenzi wokuthobela imigaqo. Yindlela ophendula ngayo, “ngubani otshintshe le mboleko, kwaye nini?” ngaphandle kophando lweeyure ezimbini.

Imizila yoPhicotho-zincwadi nokuLandeleka kweZigqibo

Cela ukubona umkhondo wophicotho-zincwadi kwirekhodi yokwenyani ngexesha ledemo, hayi islayidi nje ngayo. Ufuna ukuba ngubani, yintoni, ixabiso langaphambili, ixabiso lasemva, kunye nesitampu sexesha.

Ukulandeleka kwesigqibo kubalulekile ekuvunyweni: yeyiphi imigaqo ephawule isicelo, ngubani oyitshitshisileyo, kwaye sizathu sini abasinikezelayo. Ukulandeleka okulungele uphicotho-zincwadi kubaluleke ngaphezulu ngexesha lophicotho lwangaphakathi kunalo naliphi na ibheji yesatifikethi kwiwebhusayithi yomthengisi.

Lumkela amaqonga apho umlawuli anokuhlela ngokuthe cwaka intlawulo esele iposwe.

UkuDityaniswa, ii-API nokuXhomekeka kwiBhanki eNgundoqo

Yiba nenyani malunga noko ngokwenene okufunayo ukudibanisa. Kubabolekisi abaninzi abancinci ziintlawulo kunye nemiyalezo, hayi iinkqubo zebhanki ezingundoqo.

Ukuqhagamsheleka kwe-API kusabalulekile kamva: uxolelwaniso lwesipaji sefowuni, ifayile yemivuzo evela kumqeshi, ukhuphelo lwezibalo. Qinisekisa ukuba ukufikelela kwi-API kukwinqanaba lakho lesicwangciso okanye kweliphezulu.

Ukuba usebenza ecaleni kweqonga lebhanki engundoqo, buza ngqo ukuba idatha ihamba ngayiphi indlela kwaye ngubani ophethe uxolelwaniso xa ezi zimbini zingavumelani.

Ukufuduswa kweDatha, uLawulo lokuFikelela noLawulo lweNguqu

Ukufuduswa kulapho iiprojekthi zifa khona. Buza umthengisi ukuba bamkela luphi uhlobo lwefayile, ukuba baza kusingatha ukungenisa, kwaye kwenzeka ntoni kwiimali-mboleko esele ziphakathi kwishedyuli.

Kubabolekisi abaninzi, ukungenisa nge-Excel okanye i-CSV kuyavakala nje. Abathengisi abafana neLendbox, abaseta iakhawunti yakho ngokusuka kwifayile yakho, basusa eyona ngxaki inkulu kunye nokulibaziseka.

Ulawulo lofikelelo kufuneka lukuvumele ukunciphisa igosa lemali-mboleko kwisebe labo nakubaboleki babo. Kwinqanaba lakho, iimvume ezisekelwe kwindima ngaphakathi kweqonga zisebenza kakuhle—akukho mfuneko yezixhobo ezinzima zeshishini ezifana neSailPoint.

Cwangcisa ulawulo lwenguqu ngeeveki ezimbini zokusebenza ngokuhambelanayo. Bhukisha intshatsheli enye yangaphakathi kwaye ucwangcise uqeqesho ngaphambi kokuqalisa ngokusemthethweni.

Thelekisa iindleko kwaye uqinisekise ukhetho

Amaxabiso e-LOS kwesi sithuba anokwahluka kakhulu. Ungabona amakhulu ambalwa eedola ngonyaka, okanye iikhontrakthi ezifikelela kumakhulu amawaka. Uninzi lwabathengisi aluwavezi amaxabiso, nto leyo ethetha kakhulu ngenkqubo yokuthengisa.

Jonga ngaphaya kwexabiso le-LOS ukuya kwiindleko ezipheleleyo zobunini

Umrhumo wokubhalisa ngokuqhelekileyo ayisiyiyo eyona ndleko inkulu. Yongeza ukuphunyezwa, ukufuduswa kwedatha, uqeqesho, ukudityaniswa, kunye neeyure zabasebenzi oza kuzichitha ngexesha lokutshintsha.

Lumkela amaxabiso awohlwaya ukukhula—iintlawulo ngemboleko nganye evaliweyo, iintlawulo ngomboleki ngamnye, okanye iimpawu ezitshixelwe kumanqanaba aphezulu. Izicwangciso ezibiza ngesebe nangesihlalo somsebenzi, kodwa zibandakanya zonke iimpawu, kulula nje ukuziqikelela.

Buza le mibuzo mithathu ngokubhaliweyo: yintoni intlawulo yokuseta, yintoni ebangela ukunyuswa kwenqanaba, kwaye ibiza malini inkxaso emva konyaka wokuqala?

Sebenzisa iidemo ukuvavanya iimeko zakho zemboleko zokwenyani

Musa ukwanelisa yidemo esele ilungisiwe. Thumela umthengisi iimveliso zakho ezimbini zemboleko zokwenyani kwangethuba kwaye ubacele ukuba bazakhe zombini ngqo.

Emva koko, hamba kwimeko yakho embi kakhulu: umboleki uhlawula emva kwexesha, enze intlawulo engaphelelanga, emva koko ahlengahlengise. Jonga ukuba ishedyuli, isohlwayo, irisithi, kunye nokufakwa kwejenali kwenzeka njani.

Amaqonga amakhulu afana ne-nCino, i-Encompass evela kwi-ICE Mortgage Technology, i-Blend, i-MeridianLink Consumer, i-Baker Hill NextGen, i-TurnKey Lender, i-Pega Loan Origination ene-Pega Decisioning, kunye ne-Black Knight ngobukhulu becala enzelwe iibhanki nababolekisi bemali-mboleko yezindlu kwiimarike ezinkulu. Kulungile ukuwazi njengesiseko, kodwa kunqabile ukuba alungele i-MFI enamasebe amahlanu.

Yakha uluhlu olufutshane kwaye uqhube ipilot esebenzayo

Namathisela kuluhlu olufutshane lwezinto ezintathu. Ukuba ugqitha apho, uza kuphela ujonge iigridi zeempawu endaweni yokufumanisa ukuba yintoni efanelekileyo ngokwenene.

Seta ulingo lweentsuku ezingama-30 ngesebe elinye. Vumela amagosa aza kuyisebenzisa yonke imihla angenise iimali-mboleko zokwenyani.

Ukwamkelwa kubaluleke ngaphezu kokulungiseka. Ukuba iqela lakho alifuni kuyisebenzisa, akukho nanye kwezo zinto zintle ezongezelelweyo eziya kubaluleka.

Nika amanqaku iqonga ngalinye kwizinto ezintlanu: ukufaneleka kokusungulwa kwemboleko, ukuchaneka kwenkonzo, ukudityaniswa kwezibalo, ukubonakala kwesebe, nokuba likhawuleza kangakanani igosa lakho elingelilo elezobuchwepheshe ukuziva likhululekile.