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Isivumelwano sesiqinisekiso nesibambiso sasimahla
Uxwebhu lomntu omela imali-mboleko xa umboleki engakwazi ukuhlawula. Luchaza ityala eliqinisekisiweyo, lubhale ukuba ngubani obotshiweyo nangayiphi imiqathango, lubeke oko bakuqinisekisayo, kwaye lushiye indawo yeshedyuli, utyikityo namangqina alwenza lubambe.
Iindlela ezine zokumela ityala
Iinkcazo, iingqiniso, amalungelo agcinelwe umboleki-mali nendawo yokutyikitya ziyafana kuzo zonke. Into etshintshayo sisigaba esiyintloko — ukuba ngubani okanye yintoni ebotshiweyo ngokwenene, nokuba umboleki-mali uyifumana njani.
Ukujonga
Umgca ngamnye nebhokisi nganye igcwaliswa ngesandla ngamaqela. Akukho nto igcwalisiweyo, kwaye umda woxanduva ushiywe ungenanto ngabom — funda eso sigaba phambi kokuba usishiye njalo.
Isivumelwano sesiqinisekiso nesibambiso
UMboleki — igama elipheleleyo / igama elibhalisiweyo | Isalathiso semali-mboleko okanye se-akhawunti | Umhla wesivumelwano semali-mboleko |
Imveliso yemali-mboleko | Imali eyintloko | Izinga lenzala |
Ixesha | Intlawulo | Intlawulo yokuqala ifika |
UMboleki-mali — igama elipheleleyo | UMboleki-mali — idilesi |
Igama elipheleleyo | Uhlobo lwesazisi Isazisi sesizweIpasipotiIphepha-mvume lokuqhubaOkunye |
Inombolo yesazisi | Umhla wokuzalwa | Umsebenzi |
Idilesi yokuhlala | Ifowuni |
I-imeyile | Ubudlelwane nomboleki | Ingeniso yenyanga |
Kolu xwebhu, “iSivumelwano seMali-mboleko” sithetha isivumelwano semali-mboleko esichazwe kwicandelo 1 phakathi koMboleki-mali noMboleki, kubandakanya lonke ulwandiso, uhlaziyo, ukucwangciswa kwakhona, uxhaso lwemali olutsha okanye utshintsho lwaso. “IiMbopheleleko eziQinisekisiweyo” zithetha yonke imali uMboleki ayityalayo okanye aza kuyityala kuMboleki-mali phantsi kweso sivumelwano, ekhoyo ngoku okanye ezayo, kunye nenzala, iimali zenkonzo, izohlwayo neendleko zonyanzeliso nokubuyisa.
Isinye sibandakanya isininzi. Ukubhekiswa kumntu kubandakanya umntu, inkampani, intsebenziswano, umbutho wentsebenziswano, umbutho wokonga nokubolekisa, kunye nombutho ongabhalisiwanga. Izihloko zikhona ukwenza kube lula kwaye azichaphazeli utoliko.
UMqinisekisi uyazibophelela kuMboleki-mali njengomqinisekisi nanjengomtyali-mali oyintloko kunye noMboleki ngentlawulo efanelekileyo nangexesha yeeMbopheleleko eziQinisekisiweyo.
Esi sisiqinisekiso esiqhubekayo esigubungela konke. Siqinisekisa lonke ityala loMboleki njengoko limi ngamaxesha ngamaxesha, kwaye asiphelisi ngokuhlawulwa kwenxalenye yeMali-mboleko, ngokutshintsha-tshintsha kwe-akhawunti, okanye nangayiphi na intlawulo ephakathi.
UMqinisekisi uyawalahla amalungelo okuba kuqale kulandelwe uMboleki nawokuba ityala lahlulwe phakathi kwabaqinisekisi, kwaye uyaqinisekisa ukuba intsingiselo nesiphumo soko kulahla kucaciswe kuye. Ngoko ke uMboleki-mali angabanga yonke imali kuMqinisekisi ngaphandle kokuqala alandele uMboleki, nokuba sesiphi isibambiso, nokuba ngowuphi omnye umqinisekisi.
Uxanduva phantsi kolu xwebhu luyaqhubeka, kwaye aluchaphazeleki nalutshintsho kwisakhiwo, igama, ubunini okanye ulawulo loMboleki okanye loMboleki-mali, okanye ngokusweleka, ukungakwazi ukuhlawula amatyala okanye ukungakwazi komnye umqinisekisi.
UMboleki-mali akanyanzelekanga ukunyanzelisa esinye isibambiso, ukubiza esinye isiqinisekiso, okanye ukuthatha nawaphi na amanyathelo kuMboleki phambi kokubanga phantsi kolu xwebhu.
Uxanduva phantsi kolu xwebhu lumiselwe kwimali echazwe apha ngezantsi, kunye nenzala kuloo mali neendleko zokuyibuyisa. Ukuba akukho mali ichaziweyo, esi siqinisekiso asinamda kwaye sigubungela zonke iiMbopheleleko eziQinisekisiweyo nokuba zikhula kangakanani.
Umda woxanduva — imali | Imali ngamagama |
Umntu okanye abantu abatyikitya olu xwebhu baqinisekisa kuMboleki-mali ukuba:
| (a) | basifundile iSivumelwano seMali-mboleko, okanye basifundelwe kwaye sacaciswa kubo, kwaye bayaqonda ukuba uMboleki uzibophelele ukwenza ntoni; |
| (b) | batyikitya ngokukhululekileyo, kungekhona ngokuyalelwa nguMboleki, kwaye kungekhona ngokuxhomekeka kwinto ethethwe ngaphandle kolu xwebhu; |
| (c) | yonke into enikwe uMboleki-mali, kubandakanya iinkcukacha kumacandelo 1 no-2 olu xwebhu, iyinyaniso kwaye ipheleleyo; |
| (d) | banamandla asemthethweni okwenza esi sibophelelo, nokuba ukusenza akwaphuli esinye isivumelwano esibabophayo; |
| (e) | abakho phantsi kwanaluphi na uhlelo lokungakwazi ukuhlawula amatyala, ukuhlangulwa kweshishini, ulawulo lwamatyala okanye uhlaziyo lwamatyala, kwaye abazi naluphi na olusongelayo; |
| (f) | bavezile sonke esinye isiqinisekiso, isibambiso okanye ukhuseleko olusele lunikiwe, nokuba kukulo Mboleki-mali okanye kubani na omnye, njengoko kuboniswe kwiShedyuli; |
| (g) | bayakwazi ukufezekisa esi sibophelelo ngezixhobo zabo, ngaphandle kokuxhomekeka ekubeni uMboleki ayihlawule iMali-mboleko. |
UMboleki-mali angakwazi, ngaphandle kokukhulula nabani na obotshwe lolu xwebhu nangaphandle kokunciphisa uxanduva lwakhe, ukunika uMboleki ixesha okanye olunye uncedo, ukutshintsha izinga lenzala, ixesha okanye intlawulo, ukucwangcisa kwakhona okanye ukuxhasa kwakhona iMali-mboleko, ukuthatha ezinye izibambiso okanye ukukhulula ezikhoyo, ukusilela ukugqibezela naliphi na isibambiso, nokukhulula omnye umqinisekisi okanye ukuvumelana naye.
Nakuphi na ukulahla koMboleki-mali kufuneka kubhalwe ukuze kumbophe. Ukulibaziseka ekunyanziliseni ilungelo akukokulahla elo lungelo.
Xa kwenzeka ukusilela phantsi kweSivumelwano seMali-mboleko, uMboleki-mali angabanga intlawulo yazo zonke iiMbopheleleko eziQinisekisiweyo ezisahleli ngelo xesha. Isicelo siyahlawulwa xa sinikezelwa kwaye asixhomekekanga ekubeni uMboleki-mali eqale walandela uMboleki.
Isatifikethi esityikitywe ligosa eligunyazisiweyo loMboleki-mali esibonisa imali esahleli sibubungqina obaneleyo baloo mali ngenjongo yokufumana isigwebo, ngaphandle kokuba kungqinwa okuchaseneyo.
Isicelo okanye isaziso phantsi kolu xwebhu sinikwa ngokusemthethweni ukuba sizisiwe ngesandla, sithunyelwe ngeposi, okanye sithunyelwe kwidilesi ye-imeyile okanye inombolo echazwe apha ngezantsi, kwaye siqala ukusebenza xa sifika okanye, ukuba sithunyelwe ngombane, ngomhla esithunyelwe ngawo.
Nakuphi na utshintsho lwedilesi, idilesi ye-imeyile okanye inombolo kufuneka lunikwe uMboleki-mali ngokubhaliweyo kwiintsuku ezisixhenxe emva kotshintsho.
Idilesi yezaziso | I-imeyile yezaziso | Ifowuni yezaziso |
Umntu okanye abantu abobotshwe lolu xwebhu banoxanduva lweendleko ezifanelekileyo zoMboleki-mali zokulunyanzelisa, kubandakanya iindleko zomthetho kwisikali esiphakathi kwegqwetha nomxumi apho umthetho wendawo uvumela khona, iindleko zokukhangela neekhomishoni zokuqokelela.
Olu xwebhu luhlala lusebenza de uMboleki-mali aqinisekise ngokubhaliweyo ukuba iiMbopheleleko eziQinisekisiweyo zihlawulwe ngokupheleleyo.
Ukurhoxa ngokuphathelele kwimali eza kunikwa kwixesha elizayo kunokwenzeka kuphela ngesaziso esibhaliweyo kuMboleki-mali, kwaye kuqala ukusebenza xa eso saziso sifunyanwa. Ukurhoxa akuchaphazeli uxanduva lwento esele ityalwa ngelo xesha, okanye lwento enikwayo phantsi kwesibophelelo uMboleki-mali awayesele esenzile.
Olu xwebhu lulawulwa ngumthetho wendawo echazwe apha ngezantsi, kwaye amaqela ayavuma igunya elikhethekileyo leenkundla zayo. Ukuba nasiphi na isigaba sifunyaniswa singenako ukunyanzeliswa, ezinye izigaba ziyaqhubeka zisebenza ngokupheleleyo.
Umthetho osebenzayo — ilizwe okanye iphondo | Kutyikitywe e- |
Sonke isiqinisekiso, isibambiso okanye ukhuseleko uMqinisekisi asele elunikile, nokuba kukulo Mboleki-mali okanye kubani na omnye. Bhala “akukho” ukuba akukho nto — umgca oshiywe ungenanto asiyompendulo enye.
| UMboleki-mali okanye iziko | UMboleki oqinisekisiweyo | Imali eqinisekisiweyo | Umhla enikwe ngawo |
|---|---|---|---|
Kutyikitywe ngumntu okanye abantu abachazwe ngasentla, abaqinisekisa ukuba balufunde lonke olu xwebhu, okanye balufundelwe kwaye lwacaciswa kubo ngolwimi abaluqondayo, nokuba isiphumo salo sacaciswa kubo phambi kokuba batyikitye.
Ukulahlwa kwamalungelo okuba kuqale kulandelwe uMboleki nawokuba ityala lahlulwe kwacaciswa ngokwahlukileyo, kwaye isiphumo sako — ukuba uMboleki-mali angabanga yonke imali ngaphandle kokuqala alandele uMboleki — saqondwa.
Apho umthetho wendawo ufuna ukuba olu xwebhu lungqinwe, lufungelwe okanye lwenziwe ligqwetha, igosa elilithathayo ligcwalisa ibhokisi engezantsi.
UMkhomishinala wezifungo okanye igqwetha — igama | Isikhundla nenombolo yobhaliso |
Indawo | Umhla |
Isalathiso sefayile | Umhla wokufunyanwa | Ifakwe ngu |
Isalathiso serejista yezibambiso | Umhla olandelayo wophononongo |
Isivumelwano sesiqinisekiso nesibambiso
UMboleki — igama elipheleleyo / igama elibhalisiweyo | Isalathiso semali-mboleko okanye se-akhawunti | Umhla wesivumelwano semali-mboleko |
Imveliso yemali-mboleko | Imali eyintloko | Izinga lenzala |
Ixesha | Intlawulo | Intlawulo yokuqala ifika |
UMboleki-mali — igama elipheleleyo | UMboleki-mali — idilesi |
Igama elibhalisiweyo | Inombolo yobhaliso |
Uhlobo olusemthethweni Ushishino lomntu omnyeIntsebenziswanoInkampani ezimeleyoUmbutho wentsebenziswanoOkunye | Umhla wokusekwa |
Idilesi ebhalisiweyo | Ifowuni |
I-imeyile | Otyikitya egameni lenkampani — igama | Isikhundla |
Umhla wesigqibo |
Kolu xwebhu, “iSivumelwano seMali-mboleko” sithetha isivumelwano semali-mboleko esichazwe kwicandelo 1 phakathi koMboleki-mali noMboleki, kubandakanya lonke ulwandiso, uhlaziyo, ukucwangciswa kwakhona, uxhaso lwemali olutsha okanye utshintsho lwaso. “IiMbopheleleko eziQinisekisiweyo” zithetha yonke imali uMboleki ayityalayo okanye aza kuyityala kuMboleki-mali phantsi kweso sivumelwano, ekhoyo ngoku okanye ezayo, kunye nenzala, iimali zenkonzo, izohlwayo neendleko zonyanzeliso nokubuyisa.
Isinye sibandakanya isininzi. Ukubhekiswa kumntu kubandakanya umntu, inkampani, intsebenziswano, umbutho wentsebenziswano, umbutho wokonga nokubolekisa, kunye nombutho ongabhalisiwanga. Izihloko zikhona ukwenza kube lula kwaye azichaphazeli utoliko.
UMqinisekisi, inkampani okanye elinye iziko elisekwe ngokufanelekileyo nelikhoyo ngokusemthethweni, uyazibophelela kuMboleki-mali njengomqinisekisi nanjengomtyali-mali oyintloko kunye noMboleki ngentlawulo efanelekileyo nangexesha yeeMbopheleleko eziQinisekisiweyo.
UMqinisekisi uyaqinisekisa ukuba ukunikwa kwesi siqinisekiso kugunyaziswe sisigqibo sebhodi yakhe yabalawuli okanye elinye iqumrhu elilawulayo, ukuba eso sigqibo sisasebenza, nokuba umntu otyikitya apha ngezantsi unegunya lokutyikitya egameni lakhe. Ikopi yeso sigqibo iqhotyoshelwe kolu xwebhu.
Esi sisiqinisekiso esiqhubekayo esigubungela konke. Siqinisekisa lonke ityala loMboleki njengoko limi ngamaxesha ngamaxesha, kwaye asichaphazeleki nalutshintsho kubalawuli boMqinisekisi, amalungu, ubunini bezabelo okanye igama.
UMqinisekisi uyawalahla amalungelo okuba kuqale kulandelwe uMboleki nawokuba ityala lahlulwe phakathi kwabaqinisekisi. Ngoko ke uMboleki-mali angabanga yonke imali kuMqinisekisi ngaphandle kokuqala alandele uMboleki, nokuba sesiphi isibambiso, nokuba ngowuphi omnye umqinisekisi.
Uxanduva phantsi kolu xwebhu luyaqhubeka, kwaye aluchaphazeleki nalutshintsho kwisakhiwo, igama, ubunini okanye ulawulo loMboleki okanye loMboleki-mali, okanye ngokusweleka, ukungakwazi ukuhlawula amatyala okanye ukungakwazi komnye umqinisekisi.
UMboleki-mali akanyanzelekanga ukunyanzelisa esinye isibambiso, ukubiza esinye isiqinisekiso, okanye ukuthatha nawaphi na amanyathelo kuMboleki phambi kokubanga phantsi kolu xwebhu.
Uxanduva phantsi kolu xwebhu lumiselwe kwimali echazwe apha ngezantsi, kunye nenzala kuloo mali neendleko zokuyibuyisa. Ukuba akukho mali ichaziweyo, esi siqinisekiso asinamda kwaye sigubungela zonke iiMbopheleleko eziQinisekisiweyo nokuba zikhula kangakanani.
Umda woxanduva — imali | Imali ngamagama |
Umntu okanye abantu abatyikitya olu xwebhu baqinisekisa kuMboleki-mali ukuba:
| (a) | basifundile iSivumelwano seMali-mboleko, okanye basifundelwe kwaye sacaciswa kubo, kwaye bayaqonda ukuba uMboleki uzibophelele ukwenza ntoni; |
| (b) | batyikitya ngokukhululekileyo, kungekhona ngokuyalelwa nguMboleki, kwaye kungekhona ngokuxhomekeka kwinto ethethwe ngaphandle kolu xwebhu; |
| (c) | yonke into enikwe uMboleki-mali, kubandakanya iinkcukacha kumacandelo 1 no-2 olu xwebhu, iyinyaniso kwaye ipheleleyo; |
| (d) | banamandla asemthethweni okwenza esi sibophelelo, nokuba ukusenza akwaphuli esinye isivumelwano esibabophayo; |
| (e) | abakho phantsi kwanaluphi na uhlelo lokungakwazi ukuhlawula amatyala, ukuhlangulwa kweshishini, ulawulo lwamatyala okanye uhlaziyo lwamatyala, kwaye abazi naluphi na olusongelayo; |
| (f) | bavezile sonke esinye isiqinisekiso, isibambiso okanye uxanduva olusekumgangathweni olusele lunikiwe, nokuba kukulo Mboleki-mali okanye kubani na omnye, njengoko kuboniswe kwiShedyuli; |
| (g) | ukunikwa kwesi siqinisekiso kungaphakathi kweenjongo namandla oMqinisekisi kwaye kugunyaziswe sisigqibo esisasebenzayo; |
| (h) | uMqinisekisi ufumana inzuzo yoshishino ekubeni uMboleki afumane iMali-mboleko. |
UMboleki-mali angakwazi, ngaphandle kokukhulula nabani na obotshwe lolu xwebhu nangaphandle kokunciphisa uxanduva lwakhe, ukunika uMboleki ixesha okanye olunye uncedo, ukutshintsha izinga lenzala, ixesha okanye intlawulo, ukucwangcisa kwakhona okanye ukuxhasa kwakhona iMali-mboleko, ukuthatha ezinye izibambiso okanye ukukhulula ezikhoyo, ukusilela ukugqibezela naliphi na isibambiso, nokukhulula omnye umqinisekisi okanye ukuvumelana naye.
Nakuphi na ukulahla koMboleki-mali kufuneka kubhalwe ukuze kumbophe. Ukulibaziseka ekunyanziliseni ilungelo akukokulahla elo lungelo.
Xa kwenzeka ukusilela phantsi kweSivumelwano seMali-mboleko, uMboleki-mali angabanga intlawulo yazo zonke iiMbopheleleko eziQinisekisiweyo ezisahleli ngelo xesha. Isicelo siyahlawulwa xa sinikezelwa kwaye asixhomekekanga ekubeni uMboleki-mali eqale walandela uMboleki.
Isatifikethi esityikitywe ligosa eligunyazisiweyo loMboleki-mali esibonisa imali esahleli sibubungqina obaneleyo baloo mali ngenjongo yokufumana isigwebo, ngaphandle kokuba kungqinwa okuchaseneyo.
Isicelo okanye isaziso phantsi kolu xwebhu sinikwa ngokusemthethweni ukuba sizisiwe ngesandla, sithunyelwe ngeposi, okanye sithunyelwe kwidilesi ye-imeyile okanye inombolo echazwe apha ngezantsi, kwaye siqala ukusebenza xa sifika okanye, ukuba sithunyelwe ngombane, ngomhla esithunyelwe ngawo.
Nakuphi na utshintsho lwedilesi, idilesi ye-imeyile okanye inombolo kufuneka lunikwe uMboleki-mali ngokubhaliweyo kwiintsuku ezisixhenxe emva kotshintsho.
Idilesi yezaziso | I-imeyile yezaziso | Ifowuni yezaziso |
Umntu okanye abantu abobotshwe lolu xwebhu banoxanduva lweendleko ezifanelekileyo zoMboleki-mali zokulunyanzelisa, kubandakanya iindleko zomthetho kwisikali esiphakathi kwegqwetha nomxumi apho umthetho wendawo uvumela khona, iindleko zokukhangela neekhomishoni zokuqokelela.
Olu xwebhu luhlala lusebenza de uMboleki-mali aqinisekise ngokubhaliweyo ukuba iiMbopheleleko eziQinisekisiweyo zihlawulwe ngokupheleleyo.
Ukurhoxa ngokuphathelele kwimali eza kunikwa kwixesha elizayo kunokwenzeka kuphela ngesaziso esibhaliweyo kuMboleki-mali, kwaye kuqala ukusebenza xa eso saziso sifunyanwa. Ukurhoxa akuchaphazeli uxanduva lwento esele ityalwa ngelo xesha, okanye lwento enikwayo phantsi kwesibophelelo uMboleki-mali awayesele esenzile.
Olu xwebhu lulawulwa ngumthetho wendawo echazwe apha ngezantsi, kwaye amaqela ayavuma igunya elikhethekileyo leenkundla zayo. Ukuba nasiphi na isigaba sifunyaniswa singenako ukunyanzeliswa, ezinye izigaba ziyaqhubeka zisebenza ngokupheleleyo.
Umthetho osebenzayo — ilizwe okanye iphondo | Kutyikitywe e- |
Sonke isiqinisekiso, isibambiso okanye uxanduva olusekumgangathweni uMqinisekisi asele elunikile, nokuba kukulo Mboleki-mali okanye kubani na omnye. Bhala “akukho” ukuba akukho nto — umgca oshiywe ungenanto asiyompendulo enye.
| UMboleki-mali okanye iziko | UMboleki oqinisekisiweyo | Imali eqinisekisiweyo | Umhla enikwe ngawo |
|---|---|---|---|
Kutyikitywe ngumntu okanye abantu abachazwe ngasentla, abaqinisekisa ukuba balufunde lonke olu xwebhu, okanye balufundelwe kwaye lwacaciswa kubo ngolwimi abaluqondayo, nokuba isiphumo salo sacaciswa kubo phambi kokuba batyikitye.
Ukulahlwa kwamalungelo okuba kuqale kulandelwe uMboleki nawokuba ityala lahlulwe kwacaciswa ngokwahlukileyo, kwaye isiphumo sako — ukuba uMboleki-mali angabanga yonke imali ngaphandle kokuqala alandele uMboleki — saqondwa.
Apho umthetho wendawo ufuna ukuba olu xwebhu lungqinwe, lufungelwe okanye lwenziwe ligqwetha, igosa elilithathayo ligcwalisa ibhokisi engezantsi.
UMkhomishinala wezifungo okanye igqwetha — igama | Isikhundla nenombolo yobhaliso |
Indawo | Umhla |
Isalathiso sefayile | Umhla wokufunyanwa | Ifakwe ngu |
Isalathiso serejista yezibambiso | Umhla olandelayo wophononongo |
Isivumelwano sesiqinisekiso nesibambiso
UMboleki — igama elipheleleyo / igama elibhalisiweyo | Isalathiso semali-mboleko okanye se-akhawunti | Umhla wesivumelwano semali-mboleko |
Imveliso yemali-mboleko | Imali eyintloko | Izinga lenzala |
Ixesha | Intlawulo | Intlawulo yokuqala ifika |
UMboleki-mali — igama elipheleleyo | UMboleki-mali — idilesi |
Igama elipheleleyo | Uhlobo lwesazisi Isazisi sesizweIpasipotiIphepha-mvume lokuqhubaOkunye |
Inombolo yesazisi | Umhla wokuzalwa | Umsebenzi |
Idilesi yokuhlala | Ifowuni |
I-imeyile | Ubudlelwane nomboleki | Umqeshi |
Kolu xwebhu, “iSivumelwano seMali-mboleko” sithetha isivumelwano semali-mboleko esichazwe kwicandelo 1 phakathi koMboleki-mali noMboleki, kubandakanya lonke ulwandiso, uhlaziyo, ukucwangciswa kwakhona, uxhaso lwemali olutsha okanye utshintsho lwaso. “IiMbopheleleko eziQinisekisiweyo” zithetha yonke imali uMboleki ayityalayo okanye aza kuyityala kuMboleki-mali phantsi kweso sivumelwano, ekhoyo ngoku okanye ezayo, kunye nenzala, iimali zenkonzo, izohlwayo neendleko zonyanzeliso nokubuyisa.
Isinye sibandakanya isininzi. Ukubhekiswa kumntu kubandakanya umntu, inkampani, intsebenziswano, umbutho wentsebenziswano, umbutho wokonga nokubolekisa, kunye nombutho ongabhalisiwanga. Izihloko zikhona ukwenza kube lula kwaye azichaphazeli utoliko.
Njengesibambiso esiqhubekayo seeMbopheleleko eziQinisekisiweyo, uMbambisi ubambisa aze adlulisele kuMboleki-mali impahla echazwe kwiShedyuli, kunye nako konke okuyithathela indawo okanye okongezwa kuyo kunye nengeniso yokuthengiswa kwayo okanye yayo nayiphi i-inshorensi kuyo.
UMbambisi uyaqinisekisa ukuba ungumnini osemthethweni wempahla ebambisiweyo, ukuba ayinasibambiso, mthwalo, lungelo lokubamba, sivumelwano sokuthenga ngokuhlawula kancinci okanye omnye umthwalo owandulelayo, nokuba akayi kuyithengisa, ayidlulisele, ayisuse kwindawo echaziweyo okanye ayithwese ngaphezulu ngaphandle kwemvume ebhaliweyo yoMboleki-mali kuqala, logama nayiphi na inxalenye yeeMbopheleleko eziQinisekisiweyo isahleli.
Apho umthetho wendawo ufuna ukugqithiselwa, ukubhaliswa, ukwenziwa luxwebhu lwegqwetha okanye isaziso kumntu wesithathu ngaphambi kokuba esi sibambiso sisebenze kwabanye ababolekisi, uMbambisi uya kwenza konke okufunekayo ngokufanelekileyo ukusinika eso siphumo, ngeendleko zakhe.
Esi sibambiso sisibambiso esiqhubekayo. Asipheli ngokuhlawulwa kwenxalenye yeMali-mboleko, ngokutshintsha-tshintsha kwe-akhawunti, okanye nangayiphi na intlawulo ephakathi, kwaye asichaphazeleki nalutshintsho kwisakhiwo, igama, ubunini okanye ulawulo loMboleki okanye loMboleki-mali.
UMboleki-mali akanyanzelekanga ukunyanzelisa esinye isibambiso, ukubiza isiqinisekiso, okanye ukuthatha nawaphi na amanyathelo kuMboleki phambi kokuthengisa impahla ebambisiweyo.
Umntu okanye abantu abatyikitya olu xwebhu baqinisekisa kuMboleki-mali ukuba:
| (a) | basifundile iSivumelwano seMali-mboleko, okanye basifundelwe kwaye sacaciswa kubo, kwaye bayaqonda ukuba uMboleki uzibophelele ukwenza ntoni; |
| (b) | batyikitya ngokukhululekileyo, kungekhona ngokuyalelwa nguMboleki, kwaye kungekhona ngokuxhomekeka kwinto ethethwe ngaphandle kolu xwebhu; |
| (c) | yonke into enikwe uMboleki-mali, kubandakanya iinkcukacha kumacandelo 1 no-2 olu xwebhu, iyinyaniso kwaye ipheleleyo; |
| (d) | banamandla asemthethweni okwenza esi sibophelelo, nokuba ukusenza akwaphuli esinye isivumelwano esibabophayo; |
| (e) | abakho phantsi kwanaluphi na uhlelo lokungakwazi ukuhlawula amatyala, ukuhlangulwa kweshishini, ulawulo lwamatyala okanye uhlaziyo lwamatyala, kwaye abazi naluphi na olusongelayo; |
| (f) | bavezile sonke isibambiso, umthwalo, ilungelo lokubamba okanye isivumelwano sokuthenga ngokuhlawula kancinci esandulelayo esichaphazela nayiphi na impahla edwelisiweyo kwiShedyuli; |
| (g) | impahla ebambisiweyo yeyoMbambisi ngokwakhe kwaye ayikho phantsi kwaso nasiphi na isibambiso, umthwalo, ilungelo lokubamba okanye isivumelwano sokuthenga ngokuhlawula kancinci esandulelayo; |
| (h) | impahla ebambisiweyo inayo i-inshorensi ngexabiso layo elipheleleyo apho loo i-inshorensi ifumanekayo, kwaye umdla woMboleki-mali uya kubhalwa kwipolisi. |
UMboleki-mali angakwazi, ngaphandle kokukhulula nabani na obotshwe lolu xwebhu nangaphandle kokunciphisa uxanduva lwakhe, ukunika uMboleki ixesha okanye olunye uncedo, ukutshintsha izinga lenzala, ixesha okanye intlawulo, ukucwangcisa kwakhona okanye ukuxhasa kwakhona iMali-mboleko, ukuthatha ezinye izibambiso okanye ukukhulula ezikhoyo, ukusilela ukugqibezela naliphi na isibambiso, nokukhulula omnye umqinisekisi okanye ukuvumelana naye.
Nakuphi na ukulahla koMboleki-mali kufuneka kubhalwe ukuze kumbophe. Ukulibaziseka ekunyanziliseni ilungelo akukokulahla elo lungelo.
UMbambisi uya kugcina impahla ebambisiweyo kwindawo echazwe kwiShedyuli, isebenza kakuhle kwaye ilungisiwe, kwaye akayi kuyisusa kuloo ndawo ngaphandle kwemvume ebhaliweyo yoMboleki-mali kuqala.
UMbambisi uya kuyifaka i-inshorensi impahla ngexabiso layo elipheleleyo lokutshintshwa ekulahlekeni, ebusela nasekonakaleni apho loo i-inshorensi ifumanekayo, abhale umdla woMboleki-mali kwipolisi, aze avelise ipolisi nobungqina bentlawulo xa ecelwa. Ukuba uMbambisi usilela ukwenza oko, uMboleki-mali angayifaka yena i-inshorensi aze abuyise imali kuMbambisi.
UMboleki-mali okanye ummeli wakhe angayihlola impahla nangaliphi na ixesha elifanelekileyo emva kwesaziso esifanelekileyo.
Xa kwenzeka ukusilela phantsi kweSivumelwano seMali-mboleko, uMboleki-mali angabanga intlawulo yazo zonke iiMbopheleleko eziQinisekisiweyo ezisahleli ngelo xesha. Isicelo siyahlawulwa xa sinikezelwa kwaye asixhomekekanga ekubeni uMboleki-mali eqale walandela uMboleki.
Isatifikethi esityikitywe ligosa eligunyazisiweyo loMboleki-mali esibonisa imali esahleli sibubungqina obaneleyo baloo mali ngenjongo yokufumana isigwebo, ngaphandle kokuba kungqinwa okuchaseneyo.
UMboleki-mali angaphinda athathe impahla ebambisiweyo aze ayithengise, esidlangalaleni okanye ngasese, aze asebenzise ingeniso eseleyo emva kweendleko ukuhlawula iiMbopheleleko eziQinisekisiweyo. UMbambisi uhlala enoxanduva lwayo nayiphi na intsalela kwaye unelungelo kwiyo nayiphi na imali eseleyo.
Isicelo okanye isaziso phantsi kolu xwebhu sinikwa ngokusemthethweni ukuba sizisiwe ngesandla, sithunyelwe ngeposi, okanye sithunyelwe kwidilesi ye-imeyile okanye inombolo echazwe apha ngezantsi, kwaye siqala ukusebenza xa sifika okanye, ukuba sithunyelwe ngombane, ngomhla esithunyelwe ngawo.
Nakuphi na utshintsho lwedilesi, idilesi ye-imeyile okanye inombolo kufuneka lunikwe uMboleki-mali ngokubhaliweyo kwiintsuku ezisixhenxe emva kotshintsho.
Idilesi yezaziso | I-imeyile yezaziso | Ifowuni yezaziso |
Umntu okanye abantu abobotshwe lolu xwebhu banoxanduva lweendleko ezifanelekileyo zoMboleki-mali zokulunyanzelisa, kubandakanya iindleko zomthetho kwisikali esiphakathi kwegqwetha nomxumi apho umthetho wendawo uvumela khona, iindleko zokukhangela neekhomishoni zokuqokelela.
Olu xwebhu luhlala lusebenza de uMboleki-mali aqinisekise ngokubhaliweyo ukuba iiMbopheleleko eziQinisekisiweyo zihlawulwe ngokupheleleyo.
Olu xwebhu lulawulwa ngumthetho wendawo echazwe apha ngezantsi, kwaye amaqela ayavuma igunya elikhethekileyo leenkundla zayo. Ukuba nasiphi na isigaba sifunyaniswa singenako ukunyanzeliswa, ezinye izigaba ziyaqhubeka zisebenza ngokupheleleyo.
Umthetho osebenzayo — ilizwe okanye iphondo | Kutyikitywe e- |
Impahla ebambisiweyo phantsi kwecandelo 4. Chaza nganye ngokwaneleyo ukuze ibonwe yodwa, ngaphandle kokuba iShedyuli ifundwe kunye nolunye uxwebhu.
| No. | Inkcazo yempahla | Inombolo yothotho okanye yobhaliso | Indawo | Ixabiso elichaziweyo |
|---|---|---|---|---|
| 1 | ||||
| 2 | ||||
| 3 | ||||
| 4 | ||||
| 5 |
Kutyikitywe ngumntu okanye abantu abachazwe ngasentla, abaqinisekisa ukuba balufunde lonke olu xwebhu, okanye balufundelwe kwaye lwacaciswa kubo ngolwimi abaluqondayo, nokuba isiphumo salo sacaciswa kubo phambi kokuba batyikitye.
Apho umthetho wendawo ufuna ukuba olu xwebhu lungqinwe, lufungelwe okanye lwenziwe ligqwetha, igosa elilithathayo ligcwalisa ibhokisi engezantsi.
UMkhomishinala wezifungo okanye igqwetha — igama | Isikhundla nenombolo yobhaliso |
Indawo | Umhla |
Isalathiso sefayile | Umhla wokufunyanwa | Ifakwe ngu |
Isalathiso serejista yezibambiso | Umhla olandelayo wophononongo |
Isivumelwano sesiqinisekiso nesibambiso
UMboleki — igama elipheleleyo / igama elibhalisiweyo | Isalathiso semali-mboleko okanye se-akhawunti | Umhla wesivumelwano semali-mboleko |
Imveliso yemali-mboleko | Imali eyintloko | Izinga lenzala |
Ixesha | Intlawulo | Intlawulo yokuqala ifika |
UMboleki-mali — igama elipheleleyo | UMboleki-mali — idilesi |
Igama leqela | Inombolo yobhaliso | Inani lamalungu |
USihlalo | UNobhala |
Idilesi yeqela | Ifowuni |
I-imeyile |
Kolu xwebhu, “iSivumelwano seMali-mboleko” sithetha isivumelwano semali-mboleko esichazwe kwicandelo 1 phakathi koMboleki-mali noMboleki, kubandakanya lonke ulwandiso, uhlaziyo, ukucwangciswa kwakhona, uxhaso lwemali olutsha okanye utshintsho lwaso. “IiMbopheleleko eziQinisekisiweyo” zithetha yonke imali uMboleki ayityalayo okanye aza kuyityala kuMboleki-mali phantsi kweso sivumelwano, ekhoyo ngoku okanye ezayo, kunye nenzala, iimali zenkonzo, izohlwayo neendleko zonyanzeliso nokubuyisa.
Isinye sibandakanya isininzi. Ukubhekiswa kumntu kubandakanya umntu, inkampani, intsebenziswano, umbutho wentsebenziswano, umbutho wokonga nokubolekisa, kunye nombutho ongabhalisiwanga. Izihloko zikhona ukwenza kube lula kwaye azichaphazeli utoliko.
Ilungu ngalinye leQela eligama lalo livela kwiShedyuli liyazibophelela kuMboleki-mali njengomqinisekisi nanjengomtyali-mali oyintloko kunye neQela ngentlawulo efanelekileyo nangexesha yeeMbopheleleko eziQinisekisiweyo.
Amalungu anoxanduva ngokudibeneyo nangamnye. UMboleki-mali angabuyisa yonke imali esahleli kwilungu elinye, kwamanye awo, okanye kuwo onke, nangayiphi na indlela ayikhethayo kwaye kungakhathaliseki ukuba imali-mboleko yabiwa njani phakathi kwamalungu ngaphakathi.
Ilungu elihlawula ngaphezu kwesabelo salo sangaphakathi lingabanga umahluko kwamanye amalungu, kodwa elo lungelo alilibazisi, alinciphisi kwaye alibeki mqathango kwinto etyalwa uMboleki-mali.
Uxanduva phantsi kolu xwebhu luyaqhubeka, kwaye aluchaphazeleki nalutshintsho kwisakhiwo, igama, ubunini okanye ulawulo loMboleki okanye loMboleki-mali, okanye ngokusweleka, ukungakwazi ukuhlawula amatyala okanye ukungakwazi komnye umqinisekisi.
UMboleki-mali akanyanzelekanga ukunyanzelisa esinye isibambiso, ukubiza esinye isiqinisekiso, okanye ukuthatha nawaphi na amanyathelo kuMboleki phambi kokubanga phantsi kolu xwebhu.
Ukusilela kweQela, okanye kwalo naliphi na ilungu ngokuphathelele kumnikelo otyalwa ngaphakathi, kunika uMboleki-mali ilungelo lokubanga kwilungu ngalinye ngokungathi ngalinye lisilele ngokwalo.
Uxanduva phantsi kolu xwebhu lumiselwe kwimali echazwe apha ngezantsi, kunye nenzala kuloo mali neendleko zokuyibuyisa. Ukuba akukho mali ichaziweyo, esi siqinisekiso asinamda kwaye sigubungela zonke iiMbopheleleko eziQinisekisiweyo nokuba zikhula kangakanani.
Umda woxanduva — imali | Imali ngamagama |
Umntu okanye abantu abatyikitya olu xwebhu baqinisekisa kuMboleki-mali ukuba:
| (a) | basifundile iSivumelwano seMali-mboleko, okanye basifundelwe kwaye sacaciswa kubo, kwaye bayaqonda ukuba uMboleki uzibophelele ukwenza ntoni; |
| (b) | batyikitya ngokukhululekileyo, kungekhona ngokuyalelwa nguMboleki, kwaye kungekhona ngokuxhomekeka kwinto ethethwe ngaphandle kolu xwebhu; |
| (c) | yonke into enikwe uMboleki-mali, kubandakanya iinkcukacha kumacandelo 1 no-2 olu xwebhu, iyinyaniso kwaye ipheleleyo; |
| (d) | banamandla asemthethweni okwenza esi sibophelelo, nokuba ukusenza akwaphuli esinye isivumelwano esibabophayo; |
| (e) | abakho phantsi kwanaluphi na uhlelo lokungakwazi ukuhlawula amatyala, ukuhlangulwa kweshishini, ulawulo lwamatyala okanye uhlaziyo lwamatyala, kwaye abazi naluphi na olusongelayo; |
| (f) | bavezile sonke esinye isiqinisekiso okanye isibambiso esele sinikwe naliphi na ilungu leQela; |
| (g) | ilungu ngalinye elityikityayo lixelelwe imali iyonke ebolekwayo noxanduva lwalo ukuba amanye amalungu akahlawuli. |
UMboleki-mali angakwazi, ngaphandle kokukhulula nabani na obotshwe lolu xwebhu nangaphandle kokunciphisa uxanduva lwakhe, ukunika uMboleki ixesha okanye olunye uncedo, ukutshintsha izinga lenzala, ixesha okanye intlawulo, ukucwangcisa kwakhona okanye ukuxhasa kwakhona iMali-mboleko, ukuthatha ezinye izibambiso okanye ukukhulula ezikhoyo, ukusilela ukugqibezela naliphi na isibambiso, nokukhulula omnye umqinisekisi okanye ukuvumelana naye.
Nakuphi na ukulahla koMboleki-mali kufuneka kubhalwe ukuze kumbophe. Ukulibaziseka ekunyanziliseni ilungelo akukokulahla elo lungelo.
Xa kwenzeka ukusilela phantsi kweSivumelwano seMali-mboleko, uMboleki-mali angabanga intlawulo yazo zonke iiMbopheleleko eziQinisekisiweyo ezisahleli ngelo xesha. Isicelo siyahlawulwa xa sinikezelwa kwaye asixhomekekanga ekubeni uMboleki-mali eqale walandela uMboleki.
Isatifikethi esityikitywe ligosa eligunyazisiweyo loMboleki-mali esibonisa imali esahleli sibubungqina obaneleyo baloo mali ngenjongo yokufumana isigwebo, ngaphandle kokuba kungqinwa okuchaseneyo.
Isicelo okanye isaziso phantsi kolu xwebhu sinikwa ngokusemthethweni ukuba sizisiwe ngesandla, sithunyelwe ngeposi, okanye sithunyelwe kwidilesi ye-imeyile okanye inombolo echazwe apha ngezantsi, kwaye siqala ukusebenza xa sifika okanye, ukuba sithunyelwe ngombane, ngomhla esithunyelwe ngawo.
Nakuphi na utshintsho lwedilesi, idilesi ye-imeyile okanye inombolo kufuneka lunikwe uMboleki-mali ngokubhaliweyo kwiintsuku ezisixhenxe emva kotshintsho.
Idilesi yezaziso | I-imeyile yezaziso | Ifowuni yezaziso |
Umntu okanye abantu abobotshwe lolu xwebhu banoxanduva lweendleko ezifanelekileyo zoMboleki-mali zokulunyanzelisa, kubandakanya iindleko zomthetho kwisikali esiphakathi kwegqwetha nomxumi apho umthetho wendawo uvumela khona, iindleko zokukhangela neekhomishoni zokuqokelela.
Olu xwebhu luhlala lusebenza de uMboleki-mali aqinisekise ngokubhaliweyo ukuba iiMbopheleleko eziQinisekisiweyo zihlawulwe ngokupheleleyo.
Ukurhoxa ngokuphathelele kwimali eza kunikwa kwixesha elizayo kunokwenzeka kuphela ngesaziso esibhaliweyo kuMboleki-mali, kwaye kuqala ukusebenza xa eso saziso sifunyanwa. Ukurhoxa akuchaphazeli uxanduva lwento esele ityalwa ngelo xesha, okanye lwento enikwayo phantsi kwesibophelelo uMboleki-mali awayesele esenzile.
Olu xwebhu lulawulwa ngumthetho wendawo echazwe apha ngezantsi, kwaye amaqela ayavuma igunya elikhethekileyo leenkundla zayo. Ukuba nasiphi na isigaba sifunyaniswa singenako ukunyanzeliswa, ezinye izigaba ziyaqhubeka zisebenza ngokupheleleyo.
Umthetho osebenzayo — ilizwe okanye iphondo | Kutyikitywe e- |
Ilungu ngalinye leQela elibotshwe njengomqinisekisi nanjengomtyali-mali oyintloko. Ilungu ngalinye lityikitya ecaleni kwegama lalo, kwaye ilungu elingatyikityiyo alibotshwanga.
| No. | Igama elipheleleyo lelungu | Inombolo yesazisi | Imali | Utyikityo |
|---|---|---|---|---|
| 1 | ||||
| 2 | ||||
| 3 | ||||
| 4 | ||||
| 5 | ||||
| 6 | ||||
| 7 | ||||
| 8 |
Kutyikitywe ngumntu okanye abantu abachazwe ngasentla, abaqinisekisa ukuba balufunde lonke olu xwebhu, okanye balufundelwe kwaye lwacaciswa kubo ngolwimi abaluqondayo, nokuba isiphumo salo sacaciswa kubo phambi kokuba batyikitye.
Apho umthetho wendawo ufuna ukuba olu xwebhu lungqinwe, lufungelwe okanye lwenziwe ligqwetha, igosa elilithathayo ligcwalisa ibhokisi engezantsi.
UMkhomishinala wezifungo okanye igqwetha — igama | Isikhundla nenombolo yobhaliso |
Indawo | Umhla |
Isalathiso sefayile | Umhla wokufunyanwa | Ifakwe ngu |
Isalathiso serejista yezibambiso | Umhla olandelayo wophononongo |
Indlela yokusebenzisa olu xwebhu
- 1Gcwalisa ityala phambi kokugcwalisa umqinisekisiIcandelo 1 lichaza imali-mboleko eqinisekisiweyo — isalathiso, imali, izinga nexesha. Isiqinisekiso esingachazi ukuba siqinisekisa ntoni sesona sizathu siqhelekileyo sokuba isiqinisekiso siphelele kungabikho nto, ngoko sigcwalise usebenzisa isivumelwano semali-mboleko esityikityiweyo, kungekhona inkumbulo.
- 2Vumela umqinisekisi alufunde, uze ukubhale okoIsigaba seengqiniso nesigaba sotyikityo zombini zixhomekeke ekubeni umqinisekisi elufunde ngokwenene uxwebhu, okanye elufundelwe kwaye lwacaciswa kuye ngolwimi aluqondayo. Ukuba ulucacisa etafileni, kwenze phambi kokuba kutyikitye nabani na, kungekhona emva koko.
- 3Gcwalisa ishedyuli uze ungqinele utyikityoIshedyuli asiyongezelelo onokulishiya lingenanto — iphethe impahla ebambisiweyo, amalungu abotshiweyo, okanye iziqinisekiso esele zinikiwe. Bhala “akukho” apho kungekho nto. Emva koko yenza amangqina omabini atyikitye, uze ulungqine uxwebhu ukuba indawo yakho iyakufuna.
Oko uxwebhu lukubekayo
- Uxanduva oluqinisekisiweyo — umboleki, isalathiso semali-mboleko, imali eyintloko, izinga, ixesha nentlawulo
- Iinkcukacha ezipheleleyo zomboleki-mali nezalowo ubotshwayo, nesazisi nedilesi
- Iinkcazo ezidibanisa uxwebhu nesivumelwano semali-mboleko, kubandakanya ulwandiso nokucwangciswa kwakhona kwexesha elizayo
- Isigaba esiyintloko: isiqinisekiso, isiqinisekiso senkampani, isibambiso sempahla okanye isiqinisekiso esinqumlayo seqela
- Uxanduva oluqhubekayo, ngokudibeneyo nangamnye apho kutyikitya abantu abangaphezu komnye
- Umda woxanduva kwiinguqulelo zesiqinisekiso, nesilumkiso esiprintiweyo ngokuba kuthetha ntoni ukuwushiya ungenanto
- Iingqiniso ezimalunga namandla, ukuveza, ukungakwazi ukuhlawula amatyala neziqinisekiso esele zinikiwe
- Amalungelo agcinelwe umboleki-mali — uncedo, utshintsho, ukucwangciswa kwakhona nokukhululwa kwabanye abaqinisekisi
- Imiqathango yogcino, i-inshorensi nohlolo apho impahla ibambisiweyo
- Isicelo sentlawulo, unyanzeliso nesigaba sesatifikethi sebhalansi
- Iindleko, ixesha nokurhoxa, umthetho osebenzayo negunya lenkundla
- Ishedyuli, iindawo ezimbini zotyikityo, amangqina amabini nebhokisi yobungqina bomkhomishinala
Isibambiso sihlala phi emva koko?
Isiqinisekiso esityikityiweyo esigcinwe ekhabhathini sisiqinisekiso ekungekho bani usikhumbulayo ngexesha sibalulekile. ILendbox ibhala abaqinisekisi kwiimali-mboleko abazi qinisekisayo kwaye igcina impahla nganye ebambisiweyo kwirekhodi yomxumi, ukuze phambi kokwamkela umthengisi ofanayo njengomqinisekisi wemali-mboleko yesihlanu ubone ezine esele zimile.
Bona ulawulo lwezibambiso nabaqinisekisiImibuzo ababuzayo ababoleki-mali
- Luxwebhu apho umntu ongenguye umboleki ethatha uxanduva lwemali-mboleko. Luchaza ityala eliqinisekisiweyo, lubophelele umqinisekisi ukulihlawula ukuba umboleki akalihlawuli, kwaye lubhale oko umqinisekisi akuqinisekise kumboleki-mali. Ngaphandle kwalo, isithembiso somlomo sokumela imali-mboleko kwiindawo ezininzi asinyanzeliseki.
- Isiqinisekiso sibophelela umntu: ukuba umboleki akahlawuli, kuhlawula umqinisekisi, kuko konke anako. Isibambiso sibophelela into: impahla ethile ibekwa njengesibambiso, kwaye indlela yomboleki-mali kukuyithengisa endaweni yokumangalela umnini wayo ngokwakhe. Le thempleyithi igubungela zombini, kuba ababoleki-mali badla ngokuthatha esinye, esinye, okanye zombini kunye.
- Umqinisekisi oqhelekileyo angagxininisa ukuba umboleki-mali aqale alandele umboleki. Umtyali-mali oyintloko akakwazi — umboleki-mali angabanga yonke imali kuye ngoko nangoko, nangayiphi na indlela ayikhethayo. Ukulahla okukwisigaba esiyintloko kuko okuveza eso siphumo, kwaye yiyo kanye inxalenye ekufuneka icaciswe kumqinisekisi phambi kokuba atyikitye.
- Ngabom kuphela. Isigaba somda sithi kuxwebhu ngokwalo ukuba umda ongachazwanga uthetha ukuba isiqinisekiso asinamda kwaye sigubungela lonke ityala nokuba likhula kangakanani. Oko kuhlala kuyinto efunwa ngumboleki-mali kwaye kunqabile ukuba yinto elindelwe ngumqinisekisi, ngoko kuprintiwe kwiphepha endaweni yokushiywa njengomgibe. Inguqulelo yesibambiso ayinaso eso sigaba: into elinganisa umngcipheko wombambisi yishedyuli yempahla.
- Kuxhomekeke ngokupheleleyo kwindawo, kwaye kwezinye iindawo kuxhomekeke ekubeni umqinisekisi ngumntu na. Ithempleyithi inika iindawo ezimbini zamangqina nebhokisi yobungqina ukuze uxwebhu lupheleliswe apho kufuneka khona kwaye lungenzi ngozi apho kungafunekiyo. Jonga iimfuno zendawo yakho phambi kokuluthemba.
- Ewe — yiloo nto inguqulelo yesiqinisekiso esinqumlayo seqela yenzelwe yona. Ilungu ngalinye liyazibophelela ngokudibeneyo nangamnye ngayo yonke imali enikwe iqela, kwaye ishedyuli idwelisa amalungu ngekholamu yotyikityo ecaleni kwegama ngalinye. Ilungu elingatyikityiwanga umgca walo alibotshwanga, kwaye kungoko loo kholamu ikhona.
Yintoni ifomu yomqinisekisi?
Uyintoni umahluko phakathi kwesiqinisekiso nesibambiso?
Kuthetha ntoni “umqinisekisi nomtyali-mali oyintloko”?
Ngaba umda woxanduva ushiywe ungenanto?
Ngaba sifuna amangqina okanye umkhomishinala wezifungo?
Ngaba singayisebenzisa kwinkqubo yemali-mboleko yeqela?
Le thempleyithi inikwa njengolwazi jikelele kwaye ayilulo icebiso lomthetho. Iziqinisekiso nezibambiso ziphakathi kwamaxwebhu okuboleka axhomekeke kakhulu kwindawo: iimfanelo, ukulahla, imithetho yokukhusela abathengi, imvume yeqabane, ubhaliso lwezibambiso kwimpahla ehambayo nokusebenza kwesatifikethi sebhalansi konke kwahluka kwilizwe ngelizwe, kwaye okunye kwako kuya kwenza isigaba esilapha singasebenzi apho ukhoyo. Yenze iphononongwe ligqwetha eliqeqeshelwe indawo yakho phambi kokucela nabani na ukuba atyikitye.
Yazi ukuba ngubani omela ntoni
ILendbox ibhala umqinisekisi ngamnye kwimali-mboleko ayiqinisekisayo nempahla nganye ebambisiweyo kumxumi, kwaye ibonisa umngcipheko wonke womntu omnye kuyo yonke incwadi yakho — isiqinisekiso sesihlanu siba sisigqibo, kungekhona ummangaliso.
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