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Ukuqokelela imali-mboleko

Isoftware yokuqokelela imali-mboleko esukela imali-mboleko esilelayo egameni lakho

Kumboleki odiniweyo kukufumanisa ukuba imali-mboleko ayihlawulwanga iiveki emva kokudlula ixesha — bona imali-mboleko nganye esilelayo, yisukele ngokuzenzekelayo, kwaye ugcine umkhondo opheleleyo wokuqokelela.

Umzuzu lapho izinto ziphamba khona

Uvula incwadi ukuze ulungelelanise, nantso: imali-mboleko eyadlula ixesha kwiiveki ezintathu ezidlulileyo ekungekho mntu uyisukeleyo. Akukho sikhumbuzo siphumileyo. Akukho qaphelo lithembiso lokuhlawula. Linani nje elonakala ngokuzolileyo ngelixa ubuxakekile ngayo yonke enye into — kwaye ngexesha uyibona, umboleki sele ebandile kwaye unyukelo lokuqala olunobubele sele ludlulile kudala.

Apho iwohloka khona

Indlela inkqubo yokuqokelela yesandla eyoyika ngayo

Kunqabile ukuba ibe kukusilela okukhulu okunye. Zizinto ezincinci ezisilelayo — umhla wokuhlawula ophoswayo apha, ukulandela okulityaliweyo apho — de zidibane zibe yimali ongenakuyifumana.

1

Imali-mboleko idlula ixesha kwaye akukho mntu uqaphelayo iiveki.

Ngomzuzu intlawulo iphoswayo, imali-mboleko ingena kumatyala asilelayo kwaye ifika kwideshbhodi oyijongayo ngokwenene. Uyibona ngemini eyenzeka ngayo — kungekhona xa ulungelelanisa incwadi kwakhona.

2

Akukho rekhodi yokuba ngubani osukelweyo, nini, okanye athembise ntoni.

Sonke isikhumbuzo esithunyelweyo, umnxeba orekhodiweyo nethembiso lokuhlawula kugcinwa kwimali-mboleko. Nabani na angathatha ityala abone kanye apho limi khona, endaweni yokuqala ukusukela kwakhona.

3

Ukusukela kuyabhideka, kwesandla, kwaye akungqinelani ncam.

Izikhumbuzo zentlawulo ezizenzekelayo ziphuma zodwa — unyukelo phambi komhla wokuhlawula, oluqine ngakumbi emva — nge-SMS, i-imeyile okanye i-WhatsApp. Ukulandela okuqhelekileyo kwenzeka ngaphandle kokuba ube ngumntu ombi rhoqo.

4

Ukubhaliswa-phantsi okukothusayo ekupheleni kwekota.

Iibhakethi zobudala, umkhwa wamatyala asilelayo neportfoliyo yakho esemngciphekweni zibonisa ingxaki iyakheka ngelixa kusekho ixesha lokwenza into. Akukho nto yonakala ngokuzolileyo — ubona ukutyibilika kwangethuba uze ungenelele phambi kokuba ibe yilahleko.

Amatyala asilelayo ngephanyazo

Imali-mboleko nganye esilelayo, ihlelwe ngokuba isilele kangakanani

8.1%

iportfoliyo esemngciphekweni

62%
Okwangoku
18%
Iintsuku 1–30
11%
Iintsuku 31–60
6%
Iintsuku 61–90
3%
Iintsuku 90+

Amanani omzekelo — amatyala akho asilelayo okwenene ahlaziya bukhoma njengoko iintlawulo zingena.

Indlela esebenza ngayo

Indlela i-Lendbox eyenza ngokuzenzekelayo ukuqokelela imali-mboleko

Isoftware yokuqokelela imali-mboleko ilandela imali-mboleko esilelayo, yenza ngokuzenzekelayo izikhumbuzo, kwaye irekhoda konke ukulandela — nazi iinxalenye ezintathu ezenza imali-mboleko ihlawulwe ngokwenene. Asiluluhlu lweempawu — zizinto ezintathu kuphela ezijika ukuqokelela ukusuka kukubaleka kwenyanga kube yinto ezenzelayo.

Ideshbhodi yamatyala asilelayo neebhakethi zobudala

Iskrini esinye esiphendula umbuzo omnye obalulekileyo ekupheleni kwenyanga: yintoni esilelayo, ixesha elingakanani, kwaye ngubani othwele umngcipheko omkhulu. Hlela ngomqokeleli, isebe okanye imveliso uze ungene ngqo kuyo nayiphi na imali-mboleko.

  • Iibhakethi zobudala ezibukhoma: okwangoku, 1–30, 31–60, 61–90 neentsuku 90+
  • Iportfoliyo esemngciphekweni nesixa-sonke samatyala asilelayo ngephanyazo
  • Hluza ngomqokeleli, isebe, imveliso okanye igosa lemali-mboleko
  • Cofa nayiphi na ibhakethi ukuze ubone imali-mboleko echanekileyo engasemva kwenani

Izikhumbuzo zentlawulo ezizenzekelayo

Seta ishedyuli kube kanye uze uyiyeke iqhube — unyukelo oluthambileyo phambi komhla wokuhlawula, ukulandela oluqine ngakumbi emva, kwiindlela ababoleki bakho abazifunda ngokwenene.

  • Izikhumbuzo nge-SMS, i-imeyile ne-WhatsApp
  • Iishedyuli zangaphambi komhla nezamatyala asilelayo
  • Iyema ngokuzenzekelayo xa imali-mboleko ihlawulwe

Umkhondo wokulandela nethembiso lokuhlawula

Imbali epheleleyo yokuqokelela kwimali-mboleko nganye, ukuze ukusukela kungaphindwa neze kwaye kungabikho nto iwa ngeentanda xa ityala litshintsha izandla.

  • Rekhoda iminxeba, amanqaku nezithembiso zokuhlawula ngemali-mboleko nganye
  • Yabela iiakhawunti kubaqokeleli uze ulandele iziphumo
  • Umkhondo wophicotho onesitampu sexesha emva kwentshukumo nganye

Ubungqina

Ngoku, uninzi lwabaxumi luyathobela — sinengxaki ezimbalwa ngeentlawulo ezisilelayo. I-Lendbox iphucule iportfoliyo yethu; sinemali-mboleko embi embalwa ngenxa yokuba abaxumi bathobela ubukhulu becala, enkosi kwizikhumbuzo nokulandela okungcono.
John Mulevu, uMnini, Joshe Money Lending·Joshe Money Lending · Umboleki omncinci, Zambia
Funda isifundo-meko esipheleleyo se-Joshe Money Lending
Ezimbalwa
iintlawulo ezisilelayo
Embalwa
imali-mboleko embi
Landela
ukusuka kwifowuni yakho, naphi na

Imibuzo ababoleki abayibuza ngokuqokelela

Yintoni isoftware yokuqokelela imali-mboleko?
Isoftware yokuqokelela imali-mboleko sisixhobo esilandela imali-mboleko esilelayo, senze ngokuzenzekelayo izikhumbuzo zentlawulo nge-SMS, i-imeyile ne-WhatsApp, kwaye sirekhode konke ukulandela nethembiso lokuhlawula ukuze kungabikho nto isilele ingaqatshelwanga. I-Lendbox yenza oku ngokuzenzekelayo kuyo yonke iportfoliyo yakho.
I-Lendbox yazi njani ukuba yiyiphi imali-mboleko esilelayo?
Ideshbhodi yamatyala asilelayo ye-Lendbox isebenzisa ishedyuli yentlawulo yemali-mboleko nganye ukubamba iintlawulo eziphoswayo ngemini ezenzeka ngayo — imali-mboleko ingena ngokuzenzekelayo kumatyala asilelayo nakwibhakethi yobudala echanekileyo. Akufuneki uphawule nantoni na ngesandla okanye ulinde ulungelelaniso ukuze uyifumane.
Ingaba ingasukela ababoleki ngokuzenzekelayo?
Izikhumbuzo ezizenzekelayo ze-Lendbox ziqhuba xa useta ishedyuli — unyukelo iintsuku ezimbalwa phambi komhla wokuhlawula nokulandela oluqine ngakumbi emva — ziphuma zodwa nge-SMS, i-imeyile okanye i-WhatsApp. Izikhumbuzo zema ngokuzenzekelayo nje xa imali-mboleko ihlawulwe, ukuze kungasukelwa mntu ngemali sele eyihlawule.
Ingaba igcina irekhodi yokuba ngubani esiqhagamshelane naye nokuba uthembise ntoni?
I-Lendbox irekhoda lonke ithembiso lokuhlawula, isikhumbuzo nenqaku lomnxeba kwimali-mboleko nganye ngesitampu sexesha. Xa iakhawunti idlulela komnye umqokeleli — okanye umphicothi ebuza — imbali epheleleyo yokulandela ikhona, ukuze kungaqali mntu ukusukela kwakhona kususela kuziro.
Ingaba ababoleki banganokwenza iintlawulo ezizezinxalenye, kwaye zabelwa ngokuchanekileyo?
I-Lendbox yamkela iintlawulo ezizezinxalenye kwaye iziabela ngokwishedyuli — inkunzi, inzala nazo naziphi na izohlwayo — kwaye ibhalansi esalelayo nobudala bamatyala asilelayo buhlaziya ngoko nangoko, ukuze ideshbhodi isoloko ibonisa oko kutyalwayo ngokwenene.
Ingaba iya kusebenza nemali yeselfowuni neendlela esele sizisebenzisa?
I-Lendbox iqhuba ukuqokelela kwemali yeselfowuni neendlela ukusuka ekuqaleni ukuya ekupheleni — ukulandela amatyala asilelayo, izikhumbuzo nomkhondo wokulandela — ngezikhumbuzo nge-SMS, i-imeyile ne-WhatsApp. Iintlawulo ezibanjwe ngeendlela zakho ezikhoyo zifakwa kwimali-mboleko ukuze imbono yamatyala asilelayo ihlale ichanekile.
Ingaba ndingabona isixa-sonke samatyala asilelayo neportfoliyo esemngciphekweni ngephanyazo?
Ideshbhodi yamatyala asilelayo ye-Lendbox ibonisa iportfoliyo yakho esemngciphekweni, isixa-sonke esilelayo nokwahlulahlulwa phakathi kweebhakethi zobudala — hluza ngomqokeleli, isebe okanye imveliso ukuze ubone ingxaki iyakheka kwangethuba endaweni yokuyifumanisa njengokubhaliswa-phantsi ekupheleni kwekota.

Yeka ukufumanisa imali-mboleko embi sele kusemva kakhulu

Qalisa uvavanyo lwasimahla lwe-Lendbox uze ube nokuqokelela okuzenzekelayo kuqhuba kwincwadi yakho kule veki.

Akukho khadi lifunekayo.