Uhlelo Lokunakekela Imalimboleko vs. Uhlelo Lokusungula Imalimboleko: Yiluphi Olufanelekayo?

Uma uphethe ibhizinisi lokubolekisa ngemali, cishe uke wezwa ukuthi udinga izinhlelo ezimbili ezihlukene. Esisodwa sokwamukela izicelo nokugunyaza izimali ezibolekiwe. Esinye sokuphatha lezo zimali uma sezikhishiwe.

Ukuthi lokho kuyiqiniso kuwe kuncike ekutheni ukusebenza kwakho empeleni kulahlekelwa khona ukulawula. Isofthiwe yokusungula imali ebolekiwe iphatha isinqumo: ukwamukelwa kwezicelo, ukuhlolwa kwezikweletu, ukuqinisekiswa komazisi, ukugunyazwa, nokunikezwa kwezimali.

Isofthiwe yokuphatha imali ebolekiwe ithatha izintambo uma imali ebolekiwe isikhishiwe futhi isebenza iminyaka—amashejuli ezinkokhelo, izinkokhelo ezifakiwe, izikweletu ezingakhokhiwe ezilandelwayo, amabhalansi aqondanisiwe, imibiko ekhiqiziwe. Ukusungulwa kungumsebenzi omfishane olinganiswa ngezinsuku; ukuphatha imali ebolekiwe kuwumkhuba omude onquma ukuthi incwadi yakho yemali ebolekiwe iyasebenza kahle yini.

Kwababolekisi abaningi abancane nabaphakathi nendawo, ukwehluleka okubizayo kutholakala ekudlulisweni phakathi kwalezi ezimbili, hhayi ngaphakathi kwanoma yikuphi kuzo. Lokho kudluliswa yilapho amarekhodi ababoleki aphindwa kabili, amashejuli ezinkokhelo abhalwa kabusha, futhi imikhondo yokuhlola ithule.

Uma usasebenza nge-Excel, amafayela ephepha, neqembu le-WhatsApp, ukwehlukanisa ukusebenza kwakho ezinkundleni ezimbili ezihlukene ngokuvamile kwengeza inkinga yesibili yokuqondanisa esikhundleni sokususa eyokuqala. Izinkundla zakudala ezakhelwe amabhange amakhulu zenza lokhu kube kubi kakhulu ngokukukhokhisa ubunkimbinkimbi ongeke ubusebenzise.

Lesi sihloko sihamba ngokuthi isistimu ngayinye empeleni yenzani nokuthi ungahlulela kanjani ukuthi ngabe inkundla yokuphatha imali ebolekiwe eyodwa exhunyiwe ikunikeza yini ukusebenza kahle okudingayo. Uma ungathanda ukuyibona kunokufunda ngayo, ungaqala isivivinyo samahhala sezinsuku ezingama-30 ku-lendbox.io bese uthumela isipredishithi sakho esikhona ukuze ukusethwa kwenziwele wena.

Umngcele Phakathi Kokwenza Imali Ebolekiwe Nokuyiphatha

Indlela ehlanzekile yokucabanga ngalokhu umzuzu owodwa ngesikhathi: ukukhishwa kwemali. Konke okungaphambi kwawo ukusungulwa kwemali ebolekiwe, isigaba sokuthatha izinqumo. Konke okungemva kwawo ukuphathwa kwemali ebolekiwe, umkhuba wokuphatha i-akhawunti oqhubeka kuze kuvalwe imali ebolekiwe.

Ukusungulwa Kwemali Ebolekiwe Kuhlanganisa Ini Ngaphambi Kokukhishwa Kwemali

Ukusungulwa kuqala lapho umuntu efaka isicelo futhi kuphela lapho izimali zishiya i-akhawunti yakho. Phakathi kukhona ukuqoqwa kwedatha, ukuqoqwa kwemibhalo, ukuhlolwa kwezikweletu, ukusayinwa kokugunyaza, kanye ne-sivumelwano semali ebolekiwe.

Isistimu yokusungula imali ebolekiwe, noma i-LOS, yakhelwe umbuzo onempendulo engu-yebo noma cha. Umsebenzi wayo ukukufikisa esinqumweni esingavikeleka ngokushesha, nemibhalo efanele enamathiselwe kurekhodi elifanele lomboleki.

Kumbolekisi ojwayelekile onamagatsha ayodwa kuya kwamahlanu, lesi sigaba sithatha izinsuku. Ngezinye izikhathi amahora.

Ukuphathwa Kwemali Ebolekiwe Kuhlanganisa Ini Ngemva Kokukhishwa Kwemali

Uma imali ebolekiwe isikhishiwe, umsebenzi ushintsha isimo ngokuphelele. Manje usulandelela ishejuli, ufaka izinkokhelo, ubala inzalo nezinhlawulo, ubuka ibhalansi inyakaza, futhi ujaha lezo eziyeka ukunyakaza.

Isistimu yokuphatha imali ebolekiwe iba yisistimu yakho yamarekhodi. Iphatha idatha yomboleki, umlando wokuthengiselana, nesimo sezikweletu ezingakhokhiwe impilo yonke yemali ebolekiwe, okungaba izinyanga eziyisithupha noma iminyaka eyisithupha.

Kungani Ukudluliswa Kwemali Ebolekiwe Ekhishiwe Kubalulekile

Imali ebolekiwe ekhishiwe kufanele ihambe isuka endaweni eyodwa iye kwenye, ithwele inani eligunyaziwe, isikhathi, izinga lenzalo, isakhiwo sezimali ezikhokhwayo, nosuku lokuqala lokukhokha. Uma lokho kudluliswa kwenziwa kabi, ishejuli ohlangothini lwakho lokuphatha ayisahambisani nesivumelwano umboleki asisayinile.

Ngike ngakubona lokhu kungahambi kahle ngezindlela ezincane ezidla imali yangempela: imali ekhokhwayo irekhodwe kusenesikhathi kusistimu eyodwa futhi isatshalaliswe esikhathini sonke kwenye, ukuze wonke amabhalansi angahlukani kancane kusukela osukwini lokuqala. Akekho oqaphelayo kuze kube umboleki ucela isitatimende.

Isistimu Yokusungula Yakhelwe Ukwenzani

Isofthiwe yokusungula imali ebolekiwe, noma i-LOS, ikhona ukuze ihanjise isicelo kusuka embuzweni kuya emalini ebolekiwe ekhishiwe ngaphandle kokulahlekelwa amaphepha noma ukwenza isinqumo esingahambisani. Yakhelwe isivinini, ukungaguquguquki phakathi kwezikhulu, nokushiya irekhodi lokuthi kungani uthe yebo.

Ukwamukelwa Kwezicelo Kanye Nezicelo Zemali Ebolekiwe

Ukwamukelwa yilapho umzamo omningi wezandla unyamalala khona noma uphindaphindeka khona. Isicelo semali ebolekiwe esifakwe ku-inthanethi, nezinkambu nemibhalo oyidingayo enamathiselwe, sifika sesikulungele ukuhlolwa.

Okunye okujwayelekile: ifomu eligcwaliswe ngesandla, libhalwe kabusha yisikhulu, nemibhalo emibili kweyisithupha edingekayo ingekho. Izinkambu zesicelo ezilungisekayo zibaluleke kakhulu lapha kunanoma yisiphi isici esihlakaniphile.

Uma umkhiqizo wakho wezimali zempahla udinga inombolo yokubhaliswa kwemoto kanti umkhiqizo wakho we-advansi yeholo awuyidingi, ifomu kufanele likubonise lokho. I-Underwriting yilapho ukwahlulela kombolekisi kuhlala khona. Isofthiwe iyakusekela; ayikuthathi indawo.

I-Underwriting, Ukuthathwa Kwezinqumo Zekhredithi Nokugunyaza

Izinqubo zokusebenza ze-underwriting eziwusizo zenza izinto ezintathu:

• Beka umlando womboleki, imithombo yemali engenayo, nokuchayeka kwakhe okukhona esikrinini esisodwa
• Hambisa isicelo kumgunyazi ofanele ngokusekelwe enanini noma kumkhiqizo
• Rekhoda ukuthi ubani ogunyaze ini, nokuthi nini

Ukuphathwa kwezinqumo okuzenzakalelayo kanye nezinjini zezinqumo kuthola ukunakwa okuningi. Kumbolekisi obhala izimalimboleko ezingama-40 ngenyanga, izinqubo zokugunyaza ezinezinyathelo eziningi kanye nomkhondo wokuhlola obonakalayo kuletha okungaphezu kwenjini yokubala amaphuzu ongeke ukwazi ukuyichazela umboleki.

Eminye imisebenzi emikhulu ixhuma ezikhungweni zezikweletu noma ama-feed e-open banking phakathi nalesi sigaba. Ukutholakala nezindleko kuyahlukahluka kakhulu ngemakethe, ngakho hlola lokho endaweni kunokucabanga nje.

Ukuhlolwa Komazisi Kanye Namadokhumenti Ngaphambi Kokukhishwa Kwemali

Ukuqinisekiswa komazisi nokuhlolwa kwe-KYC kufanele kwenziwe ngaphambi kokukhishwa kwemali, hhayi ngemva. Kanjalo nokubhekisisa amadokhumenti asekela isicelo.

Le yindawo eyodwa lapho i-AI izuzela khona indawo yayo ngempela. Ukutholwa kokukhwabanisa okuzenzakalelayo kungaqhathanisa umazisi olayishiwe noma isitatimende sasebhange namaphethini alindelekile futhi kumake noma yini ebukeka iguquliwe, okuthembeka kakhulu kunokuba isikhulu sibuke isithombe esikrinini sefoni ngo-5 ntambama.

Umaka uyisikhuthazo sokuhlolwa ngumuntu, hhayi isinqumo esinqumayo. Bese kuba khona ukukhiqizwa kwamadokhumenti. Ama-template ezivumelwano zemalimboleko kanye nekhono lokusayina nge-e-signature kususa umsebenzi omubi kakhulu wokubhala ekubolekiseni: ukuthayipha kabusha isivumelwano ku-Word kuwo wonke umboleki nokwethemba ukuthi izinga lenzalo libuyekeziwe.

Lokho Inkundla Yokunakekela Eyakhelwe Ukukwenza

Isofthiwe yokunakekelwa kwemalimboleko iyingxenye ophila kuyo nsuku zonke. Igcina amashejuli, iqopha imali, ilandelela ukuthi ubani ophuzile, futhi ikutshela ukuthi iphothifoliyo yakho ibaluleke kangakanani ngempela namhlanje ekuseni kunokuba kube ngoLwesihlanu olwedlule.

Amashejuli Okukhokha, Amabhalansi Nokulandelela Ukubuyiselwa Kwemali

Ishejuli yokubuyisela imali ezenzakalelayo, ekhiqizwa ngesikhathi imalimboleko ikhishwa, iyisisekelo. Konke ukukhokhwa okufakwayo ngemva kwalokho kwehlisa ibhalansi ngokwemithetho oyibeka kanye, hhayi ngokuthi yisiphi isikhulu esenzeka siqopha lokho.

Lokhu kuxazulula inkinga ethile futhi evamile. Izikhulu ezimbili ezabela inkokhelo efanayo ngendlela ehlukile—esinye siqale ngenzalo esinye siqale ngemali eyinhloko—kukhiqiza izinhlobo ezimbili zemalimboleko efanayo.

Ukucutshungulwa kwezinkokhelo futhi kuhlanganisa izingxenye ezingabukeki kahle: izinkokhelo eziyingxenye, ukukhokha kusenesikhathi, izinkokhelo zezinhlawulo ezitolimendeni eziphuzile, kanye nokuhlehliswa kwenkokhelo efakwe kumboleki ongafanele. Ibhokisi lokugaywa kabusha lamarekhodi asusiwe lisindisa isikhathi sasemini kaningi kunalokho obungalindela.

Ukuxhumana Nomboleki Nokuzisebenzela

Izikhumbuzo zezinkokhelo ezithunyelwa ngokuzenzakalelayo ngaphambi kosuku lokukhokha zishintsha ukuziphatha kokuqoqwa kwezikweletu ngaphezu kwanoma yimuphi ucingo lokujaha olwenzeka ngemva kwalokho. Izaziso ze-SMS, i-imeyili, ne-WhatsApp zokwakhiwa kwemalimboleko, izitolimende ezizayo, nokukhokhwa okuqinisekisiwe zenza umsebenzi omningi.

Iphothali yomboleki ibamba okunye kokuhlangenwe nakho komboleki. Uma umboleki ekwazi ukungena ngemvume futhi azidonsele isitatimende sakhe, irisidi, noma ibhalansi, ucingo lwehhovisi lakho luyayeka ukukhala ngenxa yolwazi osuvele unalo.

Izinsalela Ezingakhokhiwe, Ukuqoqwa Kwezikweletu Nokubonakala Kwephothifoliyo

Ukuphathwa kwabaphuzile empeleni kuyinkinga yokubonakala. Izigaba zokuguga ezinsukwini ezingama-30, 60, kanye nezingu-90, izibalo zephothifoliyo esengozini (PAR), kanye nombiko webhizinisi wansuku zonke kukutshela ukuthi yiziphi izimalimboleko ezibheke ekubambezelekeni ngenkathi kusenesikhathi sokuthatha isinyathelo.

Ukuphathwa kokungakhokhi kanye nokuqoqwa kwezikweletu bese kuba umugqa kunokuba kube umsebenzi wokukhumbula. Sonke isenzo, inothi, noshintsho luhlala emkhondweni wokuhlola, okubalulekile kokubili ekulawuleni kwangaphakathi nasengxoxweni enzima yokuthi ubani owavuma lokho kuhlelwa kabusha.

Iplathifomu Eyodwa Noma Amasistimu Ahlukene?

Imakethe ihlukana phakathi kwezinkundla zokubolekisa ezihlanganisiwe kanye namasistimu angcono kakhulu ahlanganiswe ndawonye. Akukho ukukhetha okulungile ngokuzenzakalelayo; isici esinqumayo ngokuvamile ukuthi ungakwazi yini ukuthwala umsebenzi ongakanani wokuhlanganisa.

Lapho Inkundla Yokubolekisa Ehlanganisiwe Inciphisa Ukudluliselwa

Uhlelo olulodwa lokuphatha izimalimboleko, noma i-LMS, oluhlanganisa ukuqalisa nokunakekela lugcina irekhodi elilodwa lomboleki kusukela esicelweni kuze kuvalwe. Imalimboleko egunyaziwe iba imalimboleko exhasiwe bese iba imalimboleko enakekelwayo, ngaphandle kokuthumela ngaphandle, ukufaka kabusha, noma ukubuyisana phakathi kwemithombo emibili yedatha.

Kumbolekisi onegatsha elilodwa kuya kwamahlanu kanye nabasebenzi abafika kwabayishumi, lokhu ngokuvamile kuyisinqumo esifanele. Akekho eqenjini lakho onesibopho sokugcina ukuhlanganiswa kusebenza.

Izinkundla ezisekelwe emafini ezifana ne-Lendbox zithatha le ndlela: izicelo, ukugunyazwa, ukukhishwa kwemali, ukukhokhwa, ukuqoqwa kwezikweletu, ukuxhumana nomboleki, ukubika, kanye nokubhalwa kwama-akhawunti okuphindwe kabili kusebenza ngohlelo olulodwa lokusebenza. Ama-journal entries azenzakalelayo avela emisebenzini yemalimboleko kunokuba afakwe ngesandla ekupheleni kwenyanga.

Lapho Izinhlelo Ezingcono Kakhulu Zingase Zifaneleke

Izinhlelo ezihlukene zinengqondo lapho olunye uhlangothi lomsebenzi wakho lunezidingo zangempela zobungcweti. Amabhange omphakathi, izinyunyana zezikweletu, nama-fintech amakhulu aqhuba ukubolekiswa kwedijithali ngevolumu ephezulu ngezinye izikhathi adinga uhlelo lokusungula olunokuhlola okujulile kwezikweletu nokuxhumana nama-bureau inkundla evamile engeke ikufanise.

Kuyefana noma unezibopho eziyinkimbinkimbi zokubika ukuthobela okuhlobene nomlawuli othile noma ifomethi yomxhasi. Vele ube neqiniso nge izindleko: izinhlelo ezimbili zisho amasethi amabili ezimvume zabasebenzisi, imikhondo emibili yokuhlola, kanye nokuhlanganiswa okufanele umuntu akuhlole njalo lapho noma yimuphi umthengisi ebuyekeza.

Imibuzo Ongayibuza Ngaphambi Kokushintsha Amathuluzi Akhona

Ngaphambi kokuthenga noma yini, sebenzela lokhu:

• Yikuphi lapho inqubo yamanje ehluleka khona ngempela? Ukulungisa isigaba esingesilo kuyabiza.
• Zingaki izimalimboleko ozisungulayo ngenyanga? Ivolumu ephansi ayivamisile ukuthethelela i-LOS ezinikele.
• Ubani ozophatha ukuhlanganiswa phakathi kwezinhlelo? Uma impendulo ingekho muntu, khetha inkundla eyodwa.
• Ingabe izimalimboleko zakudala zingangeniswa, hhayi ukuthayipha kabusha? Ukungeniswa kwe-Excel noma i-CSV kunquma usuku lwakho lokuqala ukusebenza.
• Ingabe irekhodi lomboleki lihlala lilodwa? Amarekhodi aphindwe kabili ayimbangela yamaphutha amaningi.

Ungayifanisa Kanjani Isistimu Nomsebenzi Wakho Wokubolekisa

Igebe lakho likunoma ngabe ekunqumeni noma ekuqhubekiseni. Ukuxilonga ukuthi yiliphi ngokwethembeka kubaluleke ukudlula noma yikuphi ukuqhathanisa izici, ngoba izimpawu ziyefana esihlalweni somnikazi nakuba izixazululo zihlukile.

Izimpawu Zokuthi Udinga Imisebenzi Engcono Yokusungula

Bheka lawa maphethini:

• Izicelo zemalimboleko zihlala izinsuku ngoba akekho owaziyo ukuthi zisetafuleni likabani
• Izikhulu zigunyaza ngokungahambisani, futhi awukwazi ukwakha kabusha ukuthi kungani imalimboleko yanikezwa
• Imibhalo edingekayo iyalahleka phakathi kwegatsha nehhovisi elikhulu
• Yonke isivumelwano semalimboleko siyathayipha kabusha, bese amaphutha ayalandela
• Ukuphathwa kwemibhalo kuyifolda ekwilaptop

Uma ubuhlungu bakho obuningi bukhona ngaphambi kokukhokhwa, ukungenisa okungcono, ukuhanjiswa kokugunyazwa, kanye nokukhiqizwa kwemibhalo kuzokwenza umehluko omkhulu.

Izimpawu Zokuthi Ukunakekela Kuyigebe Eliphuthuma Kakhulu

Lokhu kuwukuxilonga okuvame kakhulu phakathi kwababolekisi abakhulayo. Ubona ukubambezeleka kwezinkokhelo emasontweni emva kwesikhathi. Ukulandelela ukukhokha kuncike ku ispredishithi somuntu oyedwa. Ukuqoqa kusebenza ngenkumbulo nencwadi yamanothi.

Ezinye izinkomba: awukwazi ukusho ibhalansi esele yanamuhla ngaphandle kwehora lomsebenzi, ukubika kwephothifoliyo kusho ukwakha kabusha ithebula le-pivot, ukuvalwa kokuphela kwenyanga kuthatha izinsuku ngoba incwadi yezimalimboleko nama-akhawunti akazange axhunywe, futhi awukho umkhondo wokuhlola lapho abantu ababili bengavumelani ngenkokhelo.

Izinto Ezingenakuxoxiswana Ngencwadi Yezimalimboleko Ekhulayo

Noma yini oyikhethayo, gcizelela lokhu:

• Irekhodi elilodwa lomboleki
• Ukukhiqizwa okuzenzakalelayo kweshejuli nokubalwa kwenzalo
• Ukufinyelela okusekelwe endimeni nokubonakala kwezinga legatsha
• Umkhondo wokuhlola ophelele
• Amabhakhaphu azenzakalelayo ngaphandle kwendawo yakho

Bese wengeza okunye futhi: ukubalwa kwezimali okuxhumanayo. Uma umsebenzi wemalimboleko ungakhiqizi amajenali, usuthenge ukusebenza kahle ehhovisi langaphambili kodwa ugcine inkinga yokuvumelanisa ngemuva.

Ukuhlanganisa Ukuqaliswa Nokunakekelwa Kurekhodi Elilodwa Lemalimboleko

Inhloso ebonakalayo wukuba nerekhodi elilodwa lemali ebolekiwe elinganqamuki kusukela esicelweni kuze kuvalwe. Konke ukugunyazwa, ukukhishwa kwemali, inkokhelo, nokulungiswa kuhlala kurekhodi elifanayo lomboleki, ngokulandelana, negama elinamathiselwe.

Ukugcina Ukugunyazwa, Ukukhishwa Kwezimali Nezinkokhelo Kuxhumene

Uma ukugunyazwa nokukhishwa kwemali kwenzeka epulatifomu efanayo ekhiqiza amashejuli ezinkokhelo, ishejuli ngeke iphikisane nesivumelwano. Imigomo idlulela ngokuzenzakalelayo.

Lokho futhi kulungisa uhlangothi lwezincwadi zezimali. Ukukhishwa kwemali kufakwa kuma-akhawunti afanele, inkokhelo ihlukaniseka ngendlela efanele phakathi kwenzalo nenani eliyinhloko, futhi ileja ikhombisa incwadi yemalimboleko ngaphandle kokuba umuntu aphinde abhale amanani ekupheleni kwenyanga.

Ukusebenzisa Ukuzenzakalela Ngaphandle Kokulahlekelwa Ukugadwa Komuntu

Ukuzenzakalela kukhanya ngempela uma kuziwa emisebenzini ephindaphindwayo, ehamba ngesikhathi. Cabanga ngokukhiqiza amashejuli, ukubala izinhlawulo, ukuthumela izikhumbuzi, noma ukufaka amajenali.

Kodwa ake sithembeke: akukuhle ekwahluleleni.

Phatha ukuthathwa kwezinqumo okuzenzakalelayo nokutholwa kokukhwabanisa njengezihlungi—hhayi njengezinqumi zokugcina. I-AI isilinganiso sobungozi besikweletu simane sikhombe lapho ongathanda ukujula khona.

Akukwazi ukuthi umboleki onesivuno sommbila esahluleka ngesizini edlule usafaneleka yini ukuthola elinye ithuba. Gcina imingcele yokugunyaza imisiwe ukuze kusayine umuntu wangempela, hhayi umshini.

Futhi ngicela, gcina leyo mizila yokuhlola ivuliwe. Ufuna ukwazi ukuthi ubani weqe yini, nokuthi nini.

Okufanele Kukuhlolwe Ngesikhathi Sokufuduswa Kwedatha Nokumiswa

Ukufuduswa kuyakhubekisa ukusetshenziswa okuningi. Cishe njalo kungenxa yezinto ezintathu ezifanayo.

• Amabhalansi kumele avumelane ngosuku lokuqala. Faka inani eliyinhloko elisasele, inzalo eseqoqekile, kanye nenani elikhokhiwe kuze kube manje njengezinto ezihlukene. Bese, hlola isampula engahleliwe yemalimboleko eyishumi ngesandla uyiqhathanise nefayela lakho le-Excel—ungamane wethembe izinombolo.
• Amashejuli kumele ahambisane nezivumelwano ezisayiniwe. Hlola kabili ukuthi izinkokhelo zisingathwa kanjani—zikhokhwa kusenesikhathi noma zisatshalaliswa—ngaphambi kokungenisa noma yini.
• Umlando kumele udluliselwe. Uma weqa umlando wezinkokhelo, lowo mboleki ngokuyisisekelo uba musha, futhi ulahlekelwa umlando wakhe wesikweletu.

Sebenzisa uhlelo oludala nolusha ndawonye umjikelezo owodwa wokukhokha. Kuyadina, kodwa eqinisweni, kungakonga izinyanga zezinkinga kamuva.

Uma umthengisi wakho ezinikela ukukusetha isipredishithi sakho, njengoba kwenza i-Lendbox, yamukele—kwenza ukumepha kungabi buhlungu kangako. Noma kunjalo, hlala uzihlolela wena isampula. Thembela kodwa uqinisekise, akunjalo?