Ulawulo lwemali-mboleko
Yonke imali-mboleko ilandeleka ukusuka kwisicelo ukuya ekuvalweni
Inkqubo enye yeerekhodi yomjikelo wonke wobomi bemali-mboleko. Sonke isigqibo, intlawulo nomqulu kuhlala kwimali-mboleko, ecaleni kwegama lomntu okubeke apho.
- 1Isicwangciso sokuhlawula, senziwe ngexesha lokukhutshwa kwemali saza sagcinwa
- 2Iibhalansi eziqhubekayo zeyona mali, inzala, iintlawulo kunye nezohlwayo
Imali-mboleko enye, iphepha elinye. Isicwangciso, iibhalansi, imiqulu nembali yokuba ngubani owenza ntoni konke kukwirekhodi enye.
Umjikelo wobomi
Amanqanaba asixhenxe, irekhodi enye
Imali-mboleko ayihambi phakathi kweenkqubo njengoko iguga. Ihamba phakathi kwamanqanaba, kwaye yonke into eyiqokelele endleleni ihlala inamathele kuyo.
- 1
Isicelo
Umboleki, imali kunye nenjongo zibhalwa kanye kwaye zihlale kwimali-mboleko.
- 2
Uvavanyo
Igosa libona yonke imbali yetyala yomboleki nazo naziphi na iimpawu ngaphambi kokuba lincome isigqibo.
- 3
Ukuvunywa
Imali-mboleko idlula kumanqanaba owazobileyo. Umvumi ngamnye utyikitya isigqibo sakhe.
- 4
Ukukhutshwa kwemali
Khupha imali kwaye imali-mboleko iyavuleka. Isicwangciso senziwa saze sagcinwa ngalo elo xesha.
- 5
Ukuhlawula
Iintlawulo zifakwa ngokuchasene nesicwangciso kwaye zabiwe zihle ngempophoma: izohlwayo, iintlawulo, inzala, eyona mali.
- 6
Amatyala asemva
Icandelo eliphosiweyo lenza imali-mboleko iguge iye kwibhakethi kwaye ivele kwingxelo yamatyala asemva.
- 7
Ukuvalwa
Imali-mboleko iyavalwa xa ibhalansi iphelile. Irekhodi lonke lihlala kanye apho likhona.
Into eyenzayo
Into ephethwe yinkqubo yeerekhodi ngokwenene
Nganye kwezi yindawo apho ispredishithi sivuza khona. Inani elinokubhalwa phezu kwalo, isigqibo esihlala kwincoko, isicwangciso esitshintshayo xa umntu ehlela ifomula.
Iimveliso zemali-mboleko
Misela imiqathango kanye kwaye yonke imali-mboleko ebhalwe kuloo mveliso iyayilandela. Inzala esisicaba okanye kwibhalansi encitshiswayo. Ukubalwa kweentsuku ku-Actual/365 okanye ku-30/360. Iintlawulo zolungiselelo njengepesenti okanye njengesixa esimiselweyo. Imithetho yezohlwayo edubulayo xa icandelo liphosiwe. Amaxesha obabalo kwiyona mali, kwinzala, okanye kuzo zombini.
Iinkqubo zokuvunyelwa
Zoba ikhonkco lakho lokuvunyelwa kwikhanvasi — igosa lemali-mboleko, umphathi wesebe, ikomiti yetyala, okanye nantoni na umgaqo-nkqubo wakho wetyala owuthethayo ngokwenene. I-maker-checker ithetha ukuba umntu ophakamisa imali-mboleko asinguye umntu oyivumayo. Konke okulindileyo kuhlala kumgca omnye, ngoko ukuvunywa kuyayeka ukwenzeka kwi-WhatsApp.
Izicwangciso zokuhlawula
Isicwangciso senziwa ngexesha lokukhutshwa kwemali size sigcinwe kwimali-mboleko. Asibalwa kwakhona ngalo lonke ixesha iphepha livulwa. Icandelo owalixelela umboleki ngoMatshi lelona candelo inkqubo esalibonisayo ngoNovemba, kwaye ukutshintsha imveliso akunakuyibhala kwakhona ngokuthe cwaka imali-mboleko esele iqhuba.
Ukwabiwa kwempophoma
Impophoma ngumthetho ogqiba ukuba yeyiphi inxalenye yetyala intlawulo eyihlawula kuqala. Imali izalisa udidi ngalunye ngokulandelelana kwaye iyayeka xa iphela: izohlwayo, emva koko iintlawulo, emva koko inzala, emva koko oko kuseleyo kususwa kweyona mali. Ulandelelwano lumiselwe kwaye luyafana kuyo yonke imali-mboleko, ngoko amagosa amabini akanakusebenzisa intlawulo enye ngeendlela ezimbini ezahlukeneyo, kwaye ukwahlulwa okuvelayo kubhalwa kwintlawulo ngokwayo.
- 1Ukwahlulwa okune kwintlawulo enye
- 2Ezo zidido zine zinye, ngolandelelwano olunye, kuyo yonke intlawulo
Yonke intlawulo ithwala ukwabiwa kwayo, ngoko impendulo yokuba «imali yam iye phi» ikwintlawulo ngokwayo.
Irejista yesiqinisekiso
Bhala impahla ekhusela imali-mboleko: yintoni, yaxatyiswa malini, yaxatyiswa nini, kwaye ngubani ophethe imiqulu. Irejista inxulunyaniswe nemali-mboleko, ngoko ukukhulula isiqinisekiso kuba linyathelo lokuvala imali-mboleko endaweni yokuba libe linqaku kwidrowa yomntu.
Ukutyikitywa kwemiqulu kwedijithali
Tyikitya izivumelwano zemali-mboleko ngaphakathi kwi-Lendbox. Wena utyikitya isikhokelo kanye, njengomboleki. Emva koko umboleki ngamnye utyikitya isivumelwano sakhe, ngemali-mboleko nganye. Umqulu otyikityiweyo ugcinwa kwimali-mboleko, ngoko isivumelwano nebhalansi esiyidalileyo azisoze zibe kwiindawo ezimbini ezahlukeneyo.
Amasebe amaninzi
Imali-mboleko yeyesebe. Abasebenzi baphethe indima ngesebe ngalinye, ngoko umntu omnye angaba ligosa lemali-mboleko kwelinye isebe abe ngumphathi kwelinye. Oko umntu anokukubona, akuphakamise okanye akuvume kulandela isebe asebenza kulo, hayi indima enye yehlabathi esetyenziswa yonke indawo.
Ibhini yokusetyenziswa kwakhona
Ukucima asikuko ukuphela kwerekhodi. Izinto ezicinyiweyo ziya kwibhini yokusetyenziswa kwakhona kwaye zinokubuyiselwa. Ibhini iyayazi into exhomekeke kweyiphi, ngoko umthengi akanakususwa ngaphantsi kwemali-mboleko evulekileyo, kwaye ukucima ngempazamo akubi sisikhewu kumkhondo wophicotho.
Into ayibonayo umphicothi
Sonke isenzo sithwala igama nexesha
I-Lendbox ibhala ingeniso njengoko isenzo sisenzeka, ngokuchasene nerekhodi esenzeke kuyo. Asisosishwankathelo esidityaniswe ekupheleni kwenyanga.
Xa umphicothi ekhomba imali-mboleko aze abuze ukuba yavunywa njani kwelo xabiso, impendulo ikwimali-mboleko. Bangabona igosa eliyiphakamisileyo, umphathi oyivumileyo, umhla ngamnye wabo athathe amanyathelo ngawo, kunye nako konke ukuhlelwa ukusukela ngoko.
- Umsebenzisi odale, ohlele okanye ocime irekhodi nganye
- Isitampu sexesha kuso sonke isenzo
- Umvumi kwinqanaba ngalinye lenkqubo
- Iirekhodi ezibuyiselweyo, nokuba ngubani ozibuyiseleyo
Ngaphambi kokuba uqale
- Sele sinencwadi eqhubayo. Singayizisa?
- Ewe. Ngenisa abathengi nemali-mboleko yakho ekhoyo neebhalansi zayo, uze umisele isikhundla sokuqala semali-mboleko nganye ukuze isicwangciso sayo siqhubeke apho sikhona namhlanje. Akufuneki uvale incwadi yakho yangoku ukuze uqale.
- Siqhuba iimveliso ezininzi ezahlukeneyo zemali-mboleko. Ingaba loo nto yingxaki?
- Hayi. Yenza imveliso nganye. Iindlela ezahlukeneyo zenzala, iintlawulo, izohlwayo namaxesha obabalo ziqhuba kunye, kwaye imali-mboleko ilandela imveliso eyabhalwa kuyo, ngoko imiqathango yenye ayisoze ivuzele kwenye.
- Kwenzeka ntoni kwidatha yethu ukuba siyarhoxisa?
- Ihlala ingeyakho. Khupha abathengi, imali-mboleko, intengiselwano kunye neleja yakho ngaphambi kokuba uhambe. Incwadi yakho ayibanjwa njengoxinzelelo lokukugcina kwisicwangciso.
Imibuzo abantu abayibuzayo
- Isoftware yolawulo lwemali-mboleko yinkqubo yeerekhodi yencwadi yemali-mboleko yomboleki. Iphethe umboleki, imiqathango yemali-mboleko, izigqibo zokuvunywa, isicwangciso sokuhlawula, iintlawulo ezifunyenweyo nemiqulu etyikityiweyo — ukuze imeko yemali-mboleko nganye ifunyanwe kwindawo enye endaweni yokwakhiwa kwakhona kwispredishithi nakwimiyalezo.
- Ewe. Zombini zimiselwa kwimveliso yemali-mboleko, kunye nesivumelwano sokubala iintsuku — Actual/365 okanye 30/360. Iimveliso ezisebenzisa iindlela ezahlukeneyo zinokuqhuba kunye kwincwadi enye.
- Ngumthetho ogqiba ukuba yeyiphi inxalenye yetyala intlawulo eyihlawula kuqala. Intlawulo izalisa udidi ngalunye ngokulandelelana kwaye iyayeka xa imali iphela: izohlwayo, emva koko iintlawulo, emva koko inzala, emva koko eyona mali. Kwi-Lendbox olo landelelwano lumiselwe endaweni yokuba lucwangciswe, ngoko luyafana kuyo yonke imali-mboleko nakuyo yonke imveliso, kwaye ukwahlulwa okuvelayo kubhalwa kwintlawulo nganye.
- Ewe. Iinkqubo zokuvunyelwa zizotywa kwikhanvasi, inqanaba nenqanaba, kwaye zisetyenziswa ngemveliso nganye yemali-mboleko. I-maker-checker iyanyanzeliswa, ngoko umsebenzisi ophakamisa imali-mboleko akanakuyivuma ngokwakhe.
- Imali-mboleko nabathengi babekwa kwisebe, kwaye abasebenzi baphethe indima ngesebe ngalinye endaweni yendima enye kulo lonke iziko. Umntu omnye angaba ligosa lemali-mboleko kwelinye isebe abe ngumphathi kwelinye.
- Ewe. Ukucinywa kuya kwibhini yokusetyenziswa kwakhona kwaye kunokubuyiselwa. Ibhini iyaqonda ukuxhomekeka, ngoko iirekhodi ezixhaswe zezinye iirekhodi azinakususwa ngokuthe cwaka.
- Ewe. Umjikelo ofanayo wobomi bemali-mboleko, ulawulo lokuvunywa nomkhondo wophicotho kukhonza zombini. Ii-SACCO zidla ngokusebenzisa nakwicala elijongene namalungu, kwaye amaziko ezimali ezincinci axhomekeka ngakumbi ekwabiweni ngamasebe nakwingxelo yamatyala asemva.
Yintoni isoftware yolawulo lwemali-mboleko?
Ingaba i-Lendbox iyayixhasa inzala esisicaba neyebhalansi encitshiswayo?
Yintoni ukwabiwa kwempophoma kwintlawulo yemali-mboleko?
Singayimisela eyethu inkqubo yokuvumela?
I-Lendbox iwaphatha njani amasebe amaninzi?
Ingaba imali-mboleko ecinyiweyo inokubuyiselwa?
Ingaba i-Lendbox ifanelekile kwi-SACCO njengokuba ifanelekile kwiziko lezimali ezincinci?
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.