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Kumaziko anelayisensi amkela iidiphozithi

Isoftware yebhanki yemali-mboleko encinci eqhuba iidiphozithi nemali-mboleko njenganye

Kwiibhanki zemali-mboleko encinci ezinelayisensi ezamkela iidiphozithi — ukonga, imali-mboleko, amasebe neengxelo zolawulo kwinkqubo enye.

Awuboleki nje — ubamba ukonga kwabantu, kwaye umlawuli ukubambisa kuko kokubini. Kodwa iidiphozithi zikwinkqubo enye, imali-mboleko kwenye, isebe ngalinye ligcina inguqulelo yalo yenyaniso, kwaye ekupheleni kwenyanga nganye ingxelo yebhanki ephakathi iba kukubaleka ukulungelelanisa konke. Ukuba yibhanki kuthetha ukuthenjwa. Olo themba kunzima ukulukhusela xa amanani ehlala kwiindawo ezintlanu.

Apho iwohloka khona

Into ukuba liziko elamkela iidiphozithi okuyifunayo ngokwenene

Ibhanki yemali-mboleko encinci ithwala ubunzima umboleki wetyala kuphela angabuthwaliyo: iidiphozithi zabanye abantu, uthungelwano lwamasebe, nomlawuli ojonge kokubini.

Iidiphozithi zihlala kwinkqubo enye nemali-mboleko kwenye.

Ukonga, iidiphozithi ezisisigxina nemali-mboleko ziqhutywa kwiqonga elinye, ukuze ubudlelwane bonke bomxumi nebhanki buhlale kwindawo enye — ngaphandle kokulungelelanisa iinkqubo ezimbini ebezingenzelwanga ukuthetha.

Isebe ngalinye linika ingxelo ngendlela eyahluke kancinci, kwaye iofisi enkulu iyakuthunga kunye.

Onke amasebe asebenza kwinkqubo enye. Iofisi enkulu ibona amanani adityanisiweyo nawesebe ngalinye ngexesha lokwenene — ngaphandle kokulinda iispredishithi ezivela entsimini ukuze yazi ukuba ibhanki imi phi.

Ingxelo yolawulo iginya iveki yokugqibela yenyanga nganye.

Uhlelo lwemali-mboleko, ukubekelela namanani angasemva kweengxelo zakho zebhanki ephakathi avela kwidatha ephilayo, ukuze umhla wokugqibela ube kukukhuphela — kungekhona umsebenzi wongxamiseko.

Abagcini-mali balinganisa imali ngesandla kwaye ukuphela komhla akusoloko kuhlangana.

Iintengiselwano zaseconter zibanjwa njengoko zisenzeka kwaye zilungelelaniswe ekupheleni komhla, ukuze iindawo zemali zilingane kwaye inani elingekhoyo lifumaneke ngemizuzu, kungekhona emva kokuvala.

Umxumi oneakhawunti yokonga, imali-mboleko nediphozithi ubonakala njengabaxumi abathathu.

Imbono enye yomxumi ibonisa yonke imveliso ayibambileyo nendlela esebenza ngayo, ukuze iqela lakho linceda ubudlelwane bonke endaweni yokubuqweqwedisa kunye.

Indlela ilingana ngayo

Indlela i-Lendbox eqhuba ngayo ibhanki yemali-mboleko encinci

Isoftware yebhanki yemali-mboleko encinci yinkqubo yebhanki esisiseko yeebhanki zemali-mboleko encinci ezinelayisensi ezamkela iidiphozithi — ukuqhuba ukonga neediphozithi kunye nemali-mboleko, ukudibanisa isebe ngalinye, ukuvelisa amanani angasemva kweengxelo zebhanki ephakathi nezokuqaphela, nokugcina imali yomgcini-mali neyokuphela komhla iqinile phantsi kolawulo olufanelekileyo. Asiluluhlu lweempawu — zizinto ezine kuphela iziko elilawulwayo elamkela iidiphozithi elingenakuqhuba ngaphandle kwazo.

Iiakhawunti zokonga nediphozithi

Iziko elamkela iidiphozithi lingaphezu kwencwadi yemali-mboleko. I-Lendbox iqhuba icala lokonga njengenxalenye epheleleyo yebhanki, kufuphi nokuboleka.

  • Iiakhawunti zokonga nezangoku ezinenzala kwiibhalansi
  • Iidiphozithi ezisisigxina nezexesha ezinokuphathwa kokuvuthwa
  • Iidiphozithi nokurhoxiswa kurekhodwa ngexesha lokwenene
  • Ukonga kulandelelwa kufuphi nemali-mboleko yomxumi ngamnye

Imisebenzi yamasebe amaninzi

Qhuba uthungelwano lonke kwinkqubo enye, ngokubonakala nolawulo iofisi enkulu eyifunayo kuwo onke amasebe.

  • Onke amasebe kwiqonga elinye elidityanisiweyo
  • Ingxelo yemveliso yesebe ngalinye neyebhanki yonke
  • Iindima neemvume ezimiselwe ngesebe
  • Umsebenzi ophakathi kwamasebe ulungelelaniswa embindini

Ingxelo yolawulo neyokuqaphela

Ukunika ingxelo kumlawuli akuthethwa-thethwana. I-Lendbox igcina amanani angasemva echanekile elungile, inyanga yonke.

  • Uhlelo lwemali-mboleko nokubekelela kwidatha ephilayo
  • Amanani angqinelana neemfuno zengxelo yebhanki ephakathi
  • Iportfoliyo esemngciphekweni nezalathi zokuqaphela xa kufunwa
  • Iziphumo ezicocekileyo zezithozelelo nabaphicothi-zincwadi

Ulawulo lomgcini-mali nemali

Iconter yindawo apho ithemba liphunyezwa okanye liphulukane khona. I-Lendbox igcina ukuphathwa kwemali kuqinile nokuphela komhla kucocekile.

  • Iintengiselwano zomgcini-mali zibanjwa econter
  • Ukulinganisa kokuphela komhla neendawo zemali
  • Ulawulo lomenzi-mhloli kwizenzo ezinobungozi
  • Umkhondo opheleleyo wophicotho emva kwesingeniso ngasinye

Ubungqina

“Ukonga kwakukwinkqubo enye, imali-mboleko kwenye, kwaye iofisi enkulu yayibona amanani amasebe kwiintsuku ezimbalwa kamva. Nge-Lendbox liqonga elinye — iidiphozithi, imali-mboleko nesebe ngalinye kwiskrini esinye — kwaye ingxelo yenyanga kumlawuli kukukhuphela endaweni yeveki ye-overtime yokulungelelanisa iispredishithi.”
Joseph Banda, iNtloko yeMisebenzi, Hekima Microfinance Bank·Ibhanki yemali-mboleko encinci eyamkela iidiphozithi · amasebe angu-9
kwiqonga elinye
Amasebe 9
ingxelo edityanisiweyo
Ngexesha lokwenene
ukungenisa ingxelo yolawulo
Iveki 1 → imizuzu

Imibuzo iibhanki zemali-mboleko encinci ezisibuza yona

Yintoni isoftware yebhanki yemali-mboleko encinci?
Isoftware yebhanki yemali-mboleko encinci yinkqubo yebhanki esisiseko eyakhelwe iibhanki zemali-mboleko encinci ezinelayisensi ezamkela iidiphozithi — iqhuba ukonga, iidiphozithi nemali-mboleko kwiqonga elinye, idibanisa isebe ngalinye, ivelisa uhlelo lwemali-mboleko, ukubekelela namanani angasemva kweengxelo zebhanki ephakathi nezokuqaphela, kwaye igcina imali yomgcini-mali neyokuphela komhla iqinile ngolawulo lomenzi-mhloli. I-Lendbox izisa iidiphozithi, imali-mboleko, amasebe nengxelo yolawulo kwinkqubo enye, ukuze ubudlelwane bonke bomxumi nendawo yonke yebhanki kuhlale kwindawo enye.
Ingaba singalawula ukonga neediphozithi kunye nemali-mboleko kwinkqubo enye?
Ewe. I-Lendbox yinkqubo yebhanki esisiseko eqhuba iiakhawunti zokonga nezangoku, iidiphozithi ezisisigxina nezexesha, nemali-mboleko kwiqonga elinye, ukuze ubudlelwane bonke bomxumi ngamnye nebhanki — iidiphozithi nokuboleka — buhlale kwindawo enye.
Ingaba ixhasa amasebe amaninzi enengxelo edityanisiweyo?
Ewe. I-Lendbox iqhuba isebe ngalinye kwinkqubo enye, ngeendima neemvume ezimiselwe ngesebe, kwaye iofisi enkulu ibona kokubini imveliso yesebe ngalinye neyebhanki yonke ngexesha lokwenene.
Ingaba inganceda ngengxelo yebhanki ephakathi nokubekelela kwemali-mboleko?
Ewe. I-Lendbox ibala uhlelo lwemali-mboleko, ukubekelela neportfoliyo esemngciphekweni kwidatha ephilayo kwaye ikungqinelanise neemfuno zengxelo yebhanki yakho ephakathi, ngeziphumo ezicocekileyo zezithozelelo nabaphicothi-zincwadi.
Ingaba iphatha iintengiselwano zomgcini-mali nokulinganisa imali kokuphela komhla?
Ewe. I-Lendbox ibamba iintengiselwano zomgcini-mali econter njengoko zisenzeka, ukulinganisa kokuphela komhla kulungelelanisa iindawo zemali, kwaye ulawulo lomenzi-mhloli luhlala kwizenzo ezinobungozi.
Ingaba singabona ubudlelwane bonke bomxumi kwindawo enye?
Ewe. I-Lendbox ikunika imbono enye yomxumi ebonisa yonke imveliso ayibambileyo umxumi — ukonga, iidiphozithi nemali-mboleko — nendlela nganye esebenza ngayo, ukuze iqela lakho lincede ubudlelwane bonke ngaxeshanye.
Ingaba inolawulo nomkhondo wophicotho ibhanki elawulwayo eyufunayo?
Ewe. I-Lendbox inika iimvume ezisekwe kwiindima, iimvume zomenzi-mhloli kwizenzo ezinobungozi, nomkhondo opheleleyo wophicotho emva kwesingeniso ngasinye — ulawulo iziko elinelayisensi elamkela iidiphozithi okulindeleke ukuba liluqhube.

Qhuba ibhanki yonke kwiqonga elinye

Qalisa uvavanyo lwasimahla lwe-Lendbox uze udibanise iidiphozithi, imali-mboleko, amasebe nengxelo kunye.

Qalisa uvavanyo lwakho lwasimahla

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