Inkqubo yokuqalisa imali-mboleko xa ithelekiswa nenkqubo yokulawula imali-mboleko icacisiwe

Nantsi inguqulelo emfutshane: isistim yokuqalisa imali-mboleko (LOS) igubungela yonke into kude kube ngumzuzu apho imali ishiya i-akhawunti yakho. Isistim yokulawula imali-mboleko (LMS) iqhubeka ukusuka apho.

Isicelo, ukuhlolwa kwetyala, ukuvunywa, nokukhutshwa kwemali konke kuphantsi kwe-LOS. Iishedyuli zokubuyisa, ii-akhawunti ezisemva kweshedyuli, ukuqokelelwa kwemali, iingxelo ze-akhawunti, nokunika ingxelo? Ngumsebenzi we-LMS.

Lo mahluko uvakala umnandi kwisilayidi. Xa usebenza ngokwenene, ukunikezelana kulapho izinto ziba nzima khona.

Ngomhla okhutshwa ngawo imali-mboleko, umboleki usuka kumthengisi aye kwiqela lokuqokelela amatyala. Naluphi na ulwazi olungaweliyo kuloo mgca luba ngumthwalo onzima wezandla kumntu othile iinyanga ezilishumi elinambini ezizayo.

Ukuba iinkcukacha zesicelo sakho zihlala kwindawo enye, iirekhodi zakho zokubuyisa kwenye, neencwadi zakho zeemali kweyesithathu, uya kuphela ulungelelanisa ngaphezu kokubolekisa.

Ukuba uqhuba i-MFI, i-SACCO, inkampani yokubolekisa eMetro Manila enamasebe amathathu, okanye inkqubo yemali-mboleko yabasebenzi kumqeshi omkhulu, mhlawumbi awuzibuzi ukuba, "Yeyiphi isifinyezo endifanele ukusithenga?"

Uzibuza ukuba, "Yintoni evuzayo kwinkqubo yam yangoku, kwaye ngaba iqonga elinye elidibanisayo lingayilungisa?" Lendbox yakhiwe njengendlela enye eqhubekayo ukusuka kwisicelo, ukuvunywa, ukukhutshwa kwemali, ukubuyiswa, ukuqokelelwa, nokugcinwa kweencwadi.

Ukuba ufuna ukubona indlela incwadi yakho yemali-mboleko eziphatha ngayo ngaphakathi kuyo, ungaqala simahla ku-lendbox.io kwaye usithumelele ifayile yakho ye-Excel ukuze siyilungiselele.

Indawo Yokunikezelana Kumjikelo Wobomi Bemali-mboleko

Umjikelo wokubolekisa unomthungo omnye onzima: ukukhutshwa kwemali. Phambi koko, uvavanya isicelo; emva koko, ulawula i-asethi.

Le misebenzi mibini idinga ulwazi olwahlukileyo, abasebenzi abahlukileyo, neendlela ezahlukileyo zokulinganisa impumelelo.

Ukusuka Kwisicelo Semali-mboleko Ukuya Ekukhutshweni Kwemali

Oku kukuqaliswa kwemali-mboleko. Umboleki ufaka isicelo, uqokelela amaxwebhu, ujonga oko akuxelele kona, uvavanya umngcipheko, kwaye umntu othile uyavuma okanye uyala.

Imiqathango yemali-mboleko nayo imiselwa apha—isixa, izinga lenzala, ixesha lokuhlawula, iintlawulo, imithetho yezohlwayo, isibambiso. Yonke into elandelayo ilandela la manani, ngoko impazamo ekuvunyweni ityhefa ngokuzolileyo ishedyuli yonke.

Emva koko kukhutshwa imali, ize ifayile idlulele kwesinye isandla.

Ukusuka Kwi-akhawunti Esebenzayo Ukuya Ekuvalweni Kwemali-mboleko

Ngoku ukwinkonzo yemali-mboleko nolawulo lwe-akhawunti. Iintlawulo ziyangena, inzala iyakhula, iibhalansi ziyatshintsha, iirisithi ziyakhutshwa.

Ezinye ii-akhawunti ziyathula kwaye zifuna ukuleqwa. Ezinye zifuna ukuhlengahlengiswa emva kokuba umboleki ephulukene nengeniso.

Ezimbalwa ziphela ekubuyiseni isibambiso okanye ekuthathweni kwempahla. Uninzi luphela ekuvalweni, kwaye ufuna ibhalansi eseleyo ichaneke ngemini umboleki ayicela ngayo—hayi emva kweyure yokubala.

Isizathu Sokuba Ukunikezelana Ngexesha Lokukhutshwa Kwemali Kudale Umngcipheko Wokusebenza

Ndizibonile ezi ntsilelo zintathu zifanayo zisenzeka rhoqo kumashishini amancinci okubolekisa imali.

Okokuqala, idatha yokuvunywa ayifikeleli kwicala lokusevisa ngokufanelekileyo, ngoko umntu othile uchwetheza imiqathango kwakhona aze enze impazamo ngenani. Okwesibini, akukho mntu uvumelanayo ukuba i-akhawunti isemva nini ngokusemthethweni, ngoko ukuqokelela kuqala emva kweeveki ekufanele ukuba kuqale ngazo.

Okwesithathu, incwadi yemali-mboleko neencwadi zeemali ziyahlukana, kwaye ukuphela kwenyanga kuba ngumsebenzi wokwakha kwakhona. Ezi asizizo iingxaki zokuqalisa okanye zokusevisa—ziingxaki zokunikezelana.

Injongo YeSistim Yokuqalisa Imali-mboleko

Isoftware yokuqalisa imali-mboleko ikho ukunciphisa umsantsa phakathi kokuba "umboleki ucelile" nokuba "imali ihambile," ngaphandle kokuthoba imigangatho yakho. Yigwebe ngexesha lokuphendula nangobungakanani bomsebenzi wovavanyo ewenzayo ngaphambi kokuba umntu achukumise ifayile.

Ukwamkelwa Kwezicelo Nokuqokelelwa Kwamaxwebhu

Ukwamkelwa kwezicelo kulapho umsebenzi omninzi wezandla ufihlwa khona. Izicelo ezikwi-intanethi ezineendawo ezinokulungiswa kunye nokulayishwa kwamaxwebhu afunekayo zivumela umboleki ukuba enze ukufakwa kwedatha, hayi igosa lakho lemali-mboleko.

Ulawulo olulungileyo lwamaxwebhu lugcina isazisi, iphepha lomvuzo, nengxelo yebhanki zincanyathiselwe kwiprofayile yomboleki ngokusisigxina, ukuze kungabikho mntu ugqobhozayo kwimiyalezo ye-WhatsApp emva kweenyanga ezintandathu. Iindawo ezenzelwe wena zibalulekile, kuba umbolekisi we-advance yomvuzo nombolekisi we-asset finance bafuna izinto ezahlukileyo kwifomu.

Ukuvavanywa Kwesicelo, Ukuvavanywa Komngcipheko Nokuthathwa Kwezigqibo Ngetyala

Abavavanyi bafuna yonke idatha yomboleki kwimbonakalo enye: ingeniso, izibophelelo ezikhoyo, iimali-mboleko zangaphambili kuwe, nendlela yokuhlawula.

Ukuqinisekiswa kwesazisi, i-KYC, i-AML, nokuhlolwa kwetyala kungafuneka konke kwimeko yakho, kwaye ukuqaliswa yindawo ekufanele zibe kuyo. Kufanelekile ukuthi: isoftware iyakunceda ukwenza olo hlolo kwaye ugcine iirekhodi, kodwa akukho qonga likwenza uthobele imithetho ngokwalo. Elo candelo lisephezu kwakho nomlawuli wakho.

Ukuvavanywa okuzenzekelayo nokuthathwa kwezigqibo ngetyala kuyakhawulezisa iimeko ezilula. Ukunikezelwa kwamanqaku omngcipheko wetyala okuncediswa yi-AI kukunika indawo yokuqala ngomboleki; ukubhaqwa kobuqhetseba bamaxwebhu nge-AI kuphawula iphepha lomvuzo elitshintshiweyo okanye umfanekiso wesazisi osetyenzisiweyo ukuze kuphononongwe ngumntu.

Zombini ziluncedo. Akukho nanye ethatha indawo yokugweba.

Iinkqubo zokuVunywa

Iinkqubo zokuvunywa ezinamanyathelo amaninzi azibukeki zintle, kodwa zixabiseke ngaphezu kokuvakala kwazo. Igosa lemali-mboleko liyacebisa, umphathi wesebe uyavuma ngaphakathi komda, izinto ezinkulu zinyuselwa phezulu.

Xa ilungiswe kakuhle, olu lulawulo lwakho oluphambili lokuthintela umntu omnye ukuba abhale iimali-mboleko angafanelanga ukuzibhala.

Izivumelwano nokuKhutshwa kweMali

Izivumelwano kufuneka ziveliswe kwithempleyithi enedatha yomboleki esele igcwalisiwe—hayi ukuba ziphinde zibhalwe kwiWord qho ngexesha. Utyikityo lwe-e-signature luvala umjikelo ngaphandle kokutyelela isebe.

Emva koko urekhoda ukukhutshwa kwemali, wenze ishedyuli, kwaye i-akhawunti iyaqala ukusebenza.

Izinto eziFunwa kuLawulo nakuNcediso emva kokuKhutshwa kweMali

Isoftware yolawulo lwemali-mboleko, ngamanye amaxesha ebizwa ngokuba yisoftware yokuncedisa iimali-mboleko, kulapho inzuzo ikhuselwa khona ngokwenene. Ukuqaliswa kwemali-mboleko kungenisa ishishini; ukuncedisa kugqiba ukuba uyahlawulwa na.

Iishedyuli zokuHlawula

Iishedyuli ngumqolo weakhawunti. Iishedyuli zokunciphisa ityala kufuneka ziveliswe ngokuzenzekelayo ngokwemigaqo evunyiweyo, ngesantya ababoleki bakho bahlawula ngaso ngokwenene—qho ngeveki, qho kwiiveki ezimbini, qho ngenyanga, okanye ngokuhambelana nosuku lokuhlawula kwiimali-mboleko ezisekelwe emvuzweni.

Nje ukuba ivelisiwe, wonke umntu usebenza ngamanani afanayo. Oko kukodwa kuphelisa inani elimangalisayo leengxabano.

Inzala noThelekiso lweeNtlawulo

Ukubalwa kwenzala nokuqokelelwa kwayo ngesandla kulapho ababolekisi abancinci baphulukana khona nemali yokwenene. Akubangelwa buqhophololo, kubangelwa zizibalo nje.

Ukucutshungulwa kweentlawulo nokulandelela ukubuyiswa kwemali kufuna imigaqo yokwabiwa engaguqukiyo, ukuze amagosa amabini asebenzise intlawulo efanayo ye-5,000 peso ngendlela efanayo: izohlwayo kuqala, emva koko inzala, emva koko inqununu, okanye naluphi na ulandelelwano olusebenzisayo. Uthelekiso lweentlawulo neerekhodi zebhanki ke luyakuxelela ukuba iintlawulo ezirekhodiweyo nemali eyamkelweyo ziyahambelana na ngokwenene.

Ukulandelela ukuLibala kweeNtlawulo noMsebenzi wokuQokelela

Ulawulo lokulibala kweentlawulo lumalunga nexesha. I-akhawunti ephawulwe ngosuku lwesithathu ngumnxeba; kwale inye i-akhawunti ephawulwe ngosuku lwamashumi amane yincoko yokucinywa kwetyala.

Amabhasikithi okuguga kwiintsuku ezingama-30, 60, ne-90, kunye ne-PAR (portfolio at risk), axelela iqela lakho lokuqokelela ukuba ligxile phi. Izikhumbuzo zentlawulo ezizenzekelayo nge-SMS, i-imeyile, okanye i-WhatsApp zijongana nabo baboleki abalibele nje, ukuze amagosa akho achithe ixesha lawo kwabo bangalibelanga.

Inkonzo yoMboleki

I-portal yokuzinceda yomboleki ijongana noninzi lweefowuni ezingabalulekanga kangako. Izitatimende, imbali yokuhlawula, iirisithi, ibhalansi eseleyo—konke kulapho, akukho sidingo sokufowunela isebe.

Ikwaphucula amava omboleki ngendlela abantu abayiqaphelayo. Iirisithi ezibhalwe ngesandla kunye no"fowunela ngomso" kukwenza uphulukane nomsebenzi ophindayo.

Ukubonakala kwePotfoliyo noNgxelo

Ukusebenza kwepotfoliyo kufuneka kubonakale yonke imihla, ngokwesebe nangokwegosa—hayi ukuba kuhlanganiswe qho ngekota.

Iirekhodi zophicotho zibhala ukuba ngubani otshintshe ntoni kwaye nini, nto leyo ekukhuselayo ngaphakathi kwaye ikunika into onokuyibonisa kuthotyelweni okanye kwingxelo yolawulo. Kwakhona: inkqubo ivelisa iirekhodi; ukuhlangabezana nemfuneko kusengumsebenzi wakho.

Umahluko oSebenzayo oBalulekileyo kwiQela lakho

Umahluko phakathi kwe-LOS ne-LMS ubonakala ngokwenene xa ujonga ukuba ngubani ongena ngemvume, yintoni abazama ukuyigqiba ngaphambi kokuba bagoduke, nokuba bagwetywa ngantoni.

Abasebenzisi abaPhambili noBuNini beMihla ngemihla

Ukuqaliswa kwemali-mboleko kwenzelwa amagosa emali-mboleko nabavavanyi, kunye nabani na onegunya lokuvuma. Usuku lwabo zizicelo, amaxwebhu, nezigqibo.

Ukuncedisa kungowomsebenzi wokusebenza, abaphathi bamasebe, amaqela okuqokelela, kunye nomgcini-zincwadi wakho. Usuku lwabo ziirisithi, ii-akhawunti eziselibala, uthelekiso, nongxelo.

Ubunini butshintshelwa ngokwenene ekukhutshweni kwemali. Ukuba isistim yakho yokubolekisa ayikwenzi oko kutshintshelwa kube lulucacileyo, ii-akhawunti ziyalahleka phakathi.

Idatha, iiNdlela zokuSebenza, neMilinganiselo yeMpumelelo

• Idatha engundoqo: Ukuqaliswa kwemali-mboleko kujongana neenkcukacha zesicelo, amaxwebhu axhasayo, uvavanyo lwetyala, nemigaqo evunyiweyo. Ukuncedisa kulawula iishedyuli zokuhlawula, iintlawulo ezingenayo, iibhalansi eziphilayo, amatyala aselelibala, namangeno ejenali.
• Ubume bendlela yokusebenza: Ukuqaliswa kwemali-mboleko yinkqubo elandelelanayo ephela ngesigqibo. Ukuncedisa kujikelezayo, kuphindaphindeka kulo lonke ixesha lokuhlawula ngalo lonke ubomi bemali-mboleko.
• Izalathisi zempumelelo: Ukuqaliswa kwemboleko kuvavanywa ngexesha lokugqiba, umgangatho wokuvunywa, nokuchaneka kokwaliwa. Ukuphathwa kwemboleko kuvavanywa ngezinga lokuqokelela, ipotifoliyo esemngciphekweni (PAR), nokuchaneka kongqinelaniso.
• Iindawo zokusilela: Ukuphathwa kwemboleko kusilela ngenxa yeentlawulo eziphosiweyo, ukulibaziseka kwezenzo zokuqokelela, okanye ukungangqinelani kweebhalansi.

Le yimisebenzi emibini eyahluke ngokupheleleyo ekwabelana ngerekhodi enye yomboleki, kwaye ukuyiphatha njengenkqubo enye enokutshintshiselana kulapho imisebenzi yonakala khona.

Apho izakhono ezifanayo zithetha izinto ezahlukileyo

Amanye amagama avela kumacala omabini kodwa athetha umsebenzi owahluke ngokupheleleyo.

Amaxwebhu ekuqalisweni kwemboleko athetha ukuqokelela nokuqinisekisa ubungqina. Kamva, athetha ukugcina izivumelwano nokukhupha iingxelo.

Umngcipheko ekuqalisweni kwemboleko ngumbuzo othi "ngaba lo mboleki uza kuhlawula?" Emva koko, ngumbuzo othi "yeyiphi kwiakhawunti zam ezisebenzayo eziwohlokayo ngoku?"

Unxibelelwano ekuqalisweni kwemboleko luthetha uhlaziyo lwesimo sesicelo. Emva koko, luba zizikhumbuzi, iirisithi, nokulandelwa kweetyala. Igama elifanayo lempawu, kodwa injongo yokusebenza eyahlukileyo—kwaye isoftware yokubolekisa ethatha ezi zinto njengento enye idla ngokusebenzela kakubi elinye icala.

Xa iplatifomu enye edityanisiweyo inengqiqo

Amaziko amakhulu ahlala eqhuba i-LOS ne-LMS ezahlukileyo ngabom, zidityaniswe ngezixhobo zokudibanisa. Kumembolekisi onamasebe asuka kwelinye ukuya kwamahlanu nabasebenzi abambalwa, olo lungelelwano ludla ngokubiza ngaphezulu kulungelelwaniso kunokuba lubuyisa.

Ukuphepha iirekhodi zomboleki eziphindwe kabini nokudluliselwa okuphukileyo

Iinkqubo ezimbini zithetha iirekhodi ezimbini zomboleki ngaphandle kokuba kukho into ezigcina zihambelana. Enyanisweni, ikopi ekwinkqubo yokuphathwa kwemboleko iyahlaziywa, kwaye irekhodi yokuqaliswa kwemboleko iyaphelelwa lixesha.

Irekhodi enye, ethathwa ngqo ukusuka kwisicelo ukuya ekuvalweni, isusa ukuphinda kuchwethezwe neengxabano zeenguqulelo. Xa inombolo yefowuni yomboleki itshintsha, itshintsha kube kanye.

Ukudibanisa imisebenzi yemboleko nobhaliso-mali nolawulo

Eli licandelo uninzi lwamanqaku okuthelekisa alitsiba. Ukukhutshwa kwemali, iintlawulo, iifizi, izohlwayo, nokucinywa kwamatyala zonke ziziganeko zobhaliso-mali.

Ukuba imisebenzi yemboleko ayifakwa ezincwadini zakho ngokuzenzekelayo, umntu uphinda ayakhe nyanga ngeenyanga esebenzisa iingxelo. Ubhaliso-mali olwakhelwe ngaphakathi oluphindwe kabini olunamangenisi ejenali azenzekelayo, itshati ekwabelwanayo yeeakhawunti, nongqinelaniso lwebhanki kuthetha ukuba incwadi yemboleko neencwadi azinakuze zahlukane. Lendbox isebenza ngale ndlela, icala lemboleko necala lobhaliso-mali zikwiplatifomu enye, kuquka nomkhondo wophicotho kuwo omabini.

Imibuzo ekufuneka uyibuze phambi kokukhetha iinkqubo ezahlukeneyo

• Ngubani ophethe udityaniso xa irekhodi yomboleki neshedyuli zingavumelani?
• Ngaba icala lokuphathwa kwemboleko lifumana imiqathango evunyiweyo ngokuzenzekelayo, okanye kukho umntu ophinda ayichwetheze?
• Iziganeko zemboleko zifika njani kwiirekhodi zakho zobhaliso-mali, yaye kangaphi?
• Ngaba umphathi wesebe angakwazi ukubona ukuqaliswa kwemboleko namatyala asemva esebe labo endaweni enye?
• Kwenzeka ntoni kumsebenzi wokudityaniswa womntu wesithathu—ii-API zebhanki, amasango okuhlawula, ukudityaniswa kweofisi yamatyala—xa omnye umnikezeli etshintsha ujongano lwakhe?

Ukuba iimpendulo zakho ezinyanisekileyo zibandakanya "siza kuyiphatha ngesandla," uthenga ingxaki yokudlulisela.

Indlela yokutshatisa inkqubo nemodeli yakho yokubolekisa

Qala ngokujonga apho umsebenzi ufumbana khona. Umsantsa udla ngokubonakala xa sele ubona into abasebenzi bakho abachitha kuyo iimvakwemini zabo.

Iimpawu zokuba umsantsa wakho okhawulezileyo kukuqaliswa kwemboleko

Izicelo zihlala iintsuku ngenxa yokuba amaxwebhu afika ngeziqwenga. Ukuvunywa kuxhomekeke ekubeni umntu omnye afumaneke.

Izivumelwano ziphinda zichwethezwe kumboleki ngamnye. Uyaala ababoleki abalungileyo kancinci kwaye uvume ababuthathaka ngokukhawuleza kuba uvavanyo aluhambelani, kungekhona ukuba alukho. Isoftware yokuqaliswa kwemboleko ilungisa kuqala indlela yokufaka isicelo neyokuthatha isigqibo.

Iimpawu zokuba umsantsa wakho okhawulezileyo kukuphathwa kwemboleko nokuqokelelwa

Awukwazi ukuchaza ibhalansi eseleyo yanamhlanje ngaphandle kokuyilungisa kuqala. Amagosa amabini anokwaba intlawulo efanayo ngeendlela ezahluke ngokupheleleyo.

Iiakhawunti eziselitye zivela encokweni, kodwa awuzukuzibona engxelweni. Ukuvalwa kokuphela kwenyanga kuthatha iintsuku.

Ababoleki bahlala befowunela isebe befuna nje iingxelo zabo. Lowo ngumsantsa wokuphathwa kwemboleko nokulawulwa kwamatyala asemva—kwaye nyaniseka, ngowona ubiza kakhulu xa ungahoywa.

Uluhlu lokuhlola olulinganiselweyo lwababolekisi abakhulayo bamasebe amaninzi

Ukuba uqhuba i-MFI enamasebe amaninzi okanye umbolekisi kwaye ufuna ukuyeka i-Excel, uza kufuna iplatifomu enye egubungela ngokwenene omabini amacala:

• Izicelo zemboleko ezikwi-intanethi ezineendawo zakho zokufaka iinkcukacha namaxwebhu afunekayo.
• Iindlela zokusebenza zokuvunywa ezinokulungiswa, kuquka imida ekwinqanaba lesebe.
• Ukuveliswa kweeshedyuli ngokuzenzekelayo, ukubalwa kwenzala, kunye nokwabiwa kweentlawulo ngendlela engaguquguqukiyo.
• Iibhakethi zokuguga, i-PAR, kunye neembono zephothifoliyo ngegosa ngalinye.
• Izikhumbuzi ezizenzekelayo kunye ne-portal yokuzinceda yomboleki yeengxelo kunye neerisithi.
• I-accounting yokungena kabini eyakhelwe ngaphakathi, ukulungelelaniswa kwebhanki, kunye nemikhondo yophicotho.
• Iimvume ezisekelwe kwindima kunye nokubonakala kwesebe. I-ofisi eyintloko inokubona yonke into, ngelixa isebe libona kuphela idatha yalo.
• I-app yefowuni yokwenyani yamagosa achitha iintsuku zawo esemsebenzini wangaphandle.
• Ukufuduswa kwe-Excel okanye i-CSV, ukuze ukwazi ukuhambisa incwadi yakho yemali-mboleko ekhoyo ngemva kwemini enye endaweni yokuyirhuqa iinyanga ngeenyanga.

Cinga ngoko kufunekayo ngoku, kodwa qiniseka ukuba i-platform iyakwazi ukuphatha izinto xa uvula isebe lakho lesine. Akunantsingiselo ukukhetha into eza kukuphazamisa kwixesha elizayo, andithi?