Ulawulo lwabathengi
Yazi yonke imbali yomboleki phambi kokuba ubolekise kwakhona
Irekhodi yomboleki yinkumbulo yeziko. Xa igosa lemali-mboleko lirhoxa, yonke into ebeliyazi ngomthengi isekhona kwinkqubo.
- 1Iintsuku zokulibaziseka kuyo yonke imbali yokuhlawula
- 2Nasiphi na isixa esasusiweyo ngaphambili
Yonke imali-mboleko lo mboleki ayithathe kuwe, nendlela nganye eyahamba ngayo ngokwenene. Esi sesona skrini igosa lisebenza kuso ngexesha lovavanyo.
Ubume berekhodi yomboleki
Yonke into eziko eliyaziyo, kwiskrini esinye
Igosa lemali-mboleko ligcina uninzi lwale nto entlokweni yalo, nesiqingatha kwifowuni yalo. Xa lihamba, kuhamba nako. Nantsi inkcazelo efanayo ibhalwe apho iziko lifumana khona ubunini bayo.
- 1I-KYC nokuchongwa — umqulu wesazisi, umhla wokuzalwa, imeko yoqinisekiso
- 2Unxibelelwano nedilesi, kubandakanya inombolo yemali yeselula apho iintlawulo zifika khona
- 3Umqeshi okanye iinkcukacha zeshishini, nengeniso echaziweyo
- 4Abaqinisekisi, nento nganye abayiqinisekisayo
- 5Isizalwane esikufuphi
- 6Ubulungu beqela okanye be-SACCO, apho umboleki elilungu
- 7Imiqulu eqhotyoshelweyo — iikopi zesazisi, ii-payslip, iirekhodi zeshishini, izivumelwano ezityikityiweyo
Akukho nto apha ixhomekeke kumsebenzi othile osaqhubeka esebenza kuwe.
Imbali yetyala
Yonke imali-mboleko yangaphambili, nendlela eyahamba ngayo ngokwenene
Ukubolekisa ngokuphindaphindiweyo kulapho iziko lezimali ezincinci lifumana okanye liphulukane khona nemali. Isigqibo sixhomekeke koko lo mboleki wakwenzayo kwixesha eliphelileyo, hayi koko akuthethayo ngeli xesha.
Imbali ibonisa yonke imali-mboleko umboleki ayithathe kuwe: isixa, imveliso, nokuba yavalwa na ngexesha, iintlawulo zalibaziseka iintsuku ezingaphi, nokuba inxalenye yayo yasuswa na.
Ngexesha lovavanyo, esi sesona skrini igosa lisebenza kuso. Umboleki oye wagqiba imali-mboleko ezintathu ngexesha akafani nomfaki-sicelo ogqibe imali-mboleko ezintathu elibazisekile iintsuku ezingamashumi amathathu — kwaye ngaphandle kwembali, bobabini babonakala bafana kwifomu yesicelo.
Into eyenzayo
Into ephethwe yirekhodi
Nganye kwezi yinto edla ngokuhlala kwibhokisi ye-imeyile, kwincoko ye-WhatsApp okanye kwikhabhinethi yeefayile.
Imiqulu kumthengi
Iikopi zesazisi, ii-payslip, iirekhodi zeshishini nezivumelwano ezityikityiweyo ziqhotyoshelwa kumboleki, hayi kuluhlu lwe-imeyile. Nabani na onemvume yokubona loo mthengi angawufumana umqulu, oku kuthetha ukuba isicelo esiphindiweyo asiqali ngokucela isazisi somboleki kwakhona.
Abaqinisekisi nokuchaphazeleka
Umqinisekisi ubhalwa ngokuchasene nemali-mboleko ayiqinisekisayo, kwaye irekhodi yomthengi ibonisa yonke into umntu ayiqinisekisayo kuyo yonke incwadi yakho. Ngaphambi kokuba wamkele umrhwebi omnye owaziwayo njengomqinisekisi wemali-mboleko yesihlanu, ungabona ezine sele zimile.
Iingxelo neebhalansi zomthengi
Ingxelo edlula kuyo yonke imali-mboleko yomboleki, ibonisa oko kukhutshiweyo, oko kufunyenweyo, noko kusaseleyo. Ngumqulu owunikezayo xa umboleki ephikisana nebhalansi, kunye nalowo uwufakayo kwifayile xa umphicothi ebuza ngomthengi othile.
Ukukhangela nokucoca
Fumana umboleki ngegama, ngenombolo yesazisi okanye ngenombolo yefowuni. Coca isiseko sabathengi ngesebe, ngegosa lemali-mboleko, ngokuba baphethe na imali-mboleko ngoku. Yindlela ophendula ngayo imibuzo enjengokuba ngabaphi abathengi besebe elinye abangenamali-mboleko esebenzayo kwaye bagqiba eyabo yokugqibela ngexesha.
Ukwabiwa ngesebe
Abathengi umsebenzi anokubabona kulandela amasebe asebenza kuwo. Igosa lemali-mboleko libona isebe lalo. Umphathi wengingqi ubona amaninzi. Iofisi enkulu ibona yonke into. Akukho mntu ukhangela sonke isiseko sabathengi ngenxa nje yokuba ukungena kwakhe kukuvumele.
Ukuthintela ukuphindwa
Umboleki omnye ofakwe kabini ziimbali ezimbini ezisisiqingatha, kwaye eyesibini isoloko ibonakala njengerekhodi ecocekileyo. I-Lendbox iyalumkisa xa inombolo yesazisi sele ikho kwinkqubo, ngoko umboleki obuyayo udityaniswa nefayile osele uyiphethe ngaye.
Xa abasebenzi betshintsha
Igosa liyahamba. Irekhodi ayihambi.
Ukutshintsha kwabasebenzi kuqhelekile, kwaye kubolekiso lwasentsimini kwenzeka rhoqo. Umngcipheko asikokuba umntu uyarhoxa — kukuba ekuphela kwengxelo ngomboleki irhoxa naye.
Ngenxa yokuba yonke intsimi, umqulu nesigqibo zabhalwa kwirekhodi yomthengi njengoko kwakusenzeka, igosa elithatha iportfoliyo liqala koko iziko likwaziyo, hayi koko linokukwakha kwakhona. Imbali yotshintsho ibonisa oko kuhleliweyo, ngubani, nanini.
- Ukunikezelwa lutshintsho lweemvume, hayi ukwakhiwa kwakhona kwefayile
- Konke ukuhlelwa kwentsimi kunikwa igama nesitampu sexesha
- Iirekhodi zabathengi ezicinyiweyo zinokubuyiselwa kwibhini yokusetyenziswa kwakhona
- Akukho nto ibalulekileyo ehlala kwifowuni yobuqu kuphela
Ngaphambi kokuba uqale
- Singaluzisa ngobuninzi uluhlu lwabathengi esele sinalo?
- Ewe. Ngenisa abathengi bakho abakhoyo ukusuka kwispredishithi, kubandakanya iinkcukacha zesazisi, unxibelelwano nesebe. Uhlolo lokuphindwa luqhuba ngexesha lokungena, ngoko ukungenisa akudali iirekhodi ezimbini zomboleki omnye.
- Ngubani onokufikelela kwidatha yabathengi bethu?
- Idatha ibhalwe ngekhowudi ngexesha ihamba naxa igcinwe, kwaye ukufikelela kulandela imithetho yeemvume neyesebe oyimiselayo — abasebenzi babona abathengi indima nesebe labo elibavumelayo.
- Sibolekisa amaqela, hayi abantu ngabanye kuphela. Ingaba loo nto iyasebenza?
- Ewe. Umboleki angaba welinye iqela okanye abe lilungu le-SACCO, kwaye irekhodi ibonisa obo bulungu ecaleni kwembali yakhe yobuqu. Ukubolekisa kwamaqela kunezixhobo zako kwi-Lendbox zeentlanganiso, imali-mboleko eyabelwanayo neziqinisekiso.
Imibuzo abantu abayibuzayo
- Igcina irekhodi yeziko yomboleki ngamnye — ukuchongwa ne-KYC, unxibelelwano, abaqinisekisi, imiqulu, ubulungu beqela nembali epheleleyo yemali-mboleko ethathiweyo neyahlawulwayo — ukuze izigqibo zokubolekisa zenziwe ngokusuka koko iziko likwaziyo endaweni yoko igosa ngalinye likukhumbulayo.
- Ewe. Abathengi banokungeniswa ngobuninzi ukusuka kwispredishithi kunye neenkcukacha zabo zesazisi, zonxibelelwano nezesebe, kwaye uhlolo lokuphindwa luqhuba ngexesha lokungenisa.
- Ewe. Yonke imali-mboleko yangaphambili ivela kumthengi kunye nesixa sayo, imveliso, ukuziphatha ekuhlawuleni, iintsuku zokulibaziseka nasiphi na isixa esasusiweyo. Le yindlela yokujonga igosa lemali-mboleko elisebenzisa ngexesha lovavanyo.
- Ewe. Abaqinisekisi babhalwa ngokuchasene nemali-mboleko abayiqinisekisayo, kwaye irekhodi yomthengi ibonisa ukuchaphazeleka kwabo okupheleleyo kuyo yonke incwadi yakho.
- Akukho nto. Irekhodi yeyeziko, hayi eyegosa. Ukunikezelwa lutshintsho lweemvume, kwaye imbali yotshintsho ibonisa konke ukuhlelwa okwenziwe kwifayile.
- Ewe. Amalungu abanjwa njengabathengi nobulungu babo be-SACCO bubhaliwe kwirekhodi, ecaleni kwemali-mboleko yabo, abaqinisekisi nemiqulu.
Yintoni eyenziwa yisoftware yolawulo lwabathengi kwiziko lezimali ezincinci?
Singaluzisa uluhlu lwethu lwababoleki olukhoyo?
Ingaba irekhodi yomboleki ibonisa imali-mboleko yangaphambili namatyala asemva?
Singabona yonke into umqinisekisi omnye ayimeleyo?
Kwenzeka ntoni kwirekhodi yomboleki xa igosa lemali-mboleko lihamba?
Ingaba i-Lendbox iyasebenza kulawulo lwamalungu e-SACCO?
Nayiphi na inxalenye ekuzise apha, oku kuza nayo
- Ababoleki, imali-mboleko neefayile ezingenamda
- Akukho ntlawulo ngerekhodi nganye. Ityala lakho alikhuli ngenxa yokuba incwadi yakho ikhulile.
- Abasebenzi bakho kwiwebhu, kwi-Android nakwi-iOS
- Idatha efanayo kwilaptop esesebeni nakwifowuni esentsimini.
- Umkhondo wophicotho opheleleyo
- Sonke isenzo sithwala igama lomntu osenzileyo nexesha alenze ngalo.
Yifake kwincwadi yakho yemali-mboleko
Yenza i-akhawunti, useke imveliso enye yemali-mboleko, uze uqhube imali-mboleko yokwenene ukusuka ekuqaleni ukuya ekugqibeleni. Akukho nto ifunekayo ukufakelwa.
Uvavanyo lwasimahla lweentsuku ezingama-30. Akufuneki khadi.