Ukuphathwa kwemali-mboleko
Yonke imali-mboleko ilandeleka kusukela esicelweni kuya ekuvalweni
Uhlelo olulodwa lwamarekhodi lwawo wonke umjikelezo wempilo yemali-mboleko. Sonke isinqumo, inkokhelo nomqulu kuhlala emali-mbolekweni, eduze kwegama lomuntu okufake lapho.
- 1Uhlelo lokukhokha, olwenziwe ngesikhathi sokukhishwa kwemali futhi lwagcinwa
- 2Amabhalansi asebenzayo enhloko, inzalo, izimali nezinhlawulo
Imali-mboleko eyodwa, ikhasi elilodwa. Uhlelo, amabhalansi, imiqulu nomlando wokuthi ubani wenzeni konke kusekhona kurekhodi elifanayo.
Umjikelezo wempilo
Izigaba eziyisikhombisa, irekhodi elilodwa
Imali-mboleko ayidluli phakathi kwezinhlelo njengoba iguga. Idlula phakathi kwezigaba, futhi konke eyakuqoqa endleleni kuhlala kunamathele kuyo.
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Isicelo
Umboleki, inani nenhloso kubhalwa kanye futhi kuhlale emali-mbolekweni.
- 2
Ukuhlolwa
Isikhulu sibona wonke umlando wesikweletu somboleki kanye nanoma yiziphi izimpawu ngaphambi kokuncoma isinqumo.
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Ukugunyazwa
Imali-mboleko idlula ezigabeni ozidwebile. Umgunyazi ngamunye usayinela isinqumo sakhe.
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Ukukhishwa kwemali
Khipha imali bese imali-mboleko iyavuleka. Uhlelo lwenziwa futhi lugcinwe ngasona leso sikhathi.
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Ukukhokha
Izinkokhelo zifakwa maqondana nohlelo futhi zabiwe zehla ngempophoma: izinhlawulo, izimali, inzalo, inhloko.
- 6
Izikweletu
Ingxenye eyeqiwe yenza imali-mboleko iguge iye ebhakedeni futhi ivele embikweni wezikweletu.
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Ukuvalwa
Imali-mboleko iyavalwa lapho ibhalansi isiphelile. Irekhodi lonke lihlala kanye lapho likhona.
Okwenzayo
Okuqukethwe uhlelo lwamarekhodi ngempela
Ngayinye yalezi yindawo lapho ispredishithi sivuza khona. Inombolo engabhalwa phezu kwayo, isinqumo esiphila ku-chat, uhlelo olushintshayo lapho othile ehlela ifomula.
Imikhiqizo yemali-mboleko
Beka imibandela kanye bese yonke imali-mboleko ebhalwe kulowo mkhiqizo iyayilandela. Inzalo eyisicaba noma ebhalansi encipha. Ukubalwa kwezinsuku ku-Actual/365 noma 30/360. Izimali zokuhlela njengephesenti noma njengenani elimisiwe. Imithetho yezinhlawulo esebenza lapho ingxenye iphuthile. Izikhathi zomusa enhlokweni, enzalweni, noma kuzo zombili.
Izinqubo zokugunyaza
Dweba uchungechunge lwakho lokugunyaza kukhanvasi — isikhulu semali-mboleko, umphathi wegatsha, ikomiti lesikweletu, noma noma yini inqubomgomo yakho yesikweletu eyishoyo ngempela. I-maker-checker isho ukuthi umuntu ophakamisa imali-mboleko akuyena umuntu oyigunyazayo. Konke okulindile kuhlala kulayini owodwa, ngakho ukugunyaza kuyayeka ukwenzeka nge-WhatsApp.
Izinhlelo zokukhokha
Uhlelo lwenziwa ngesikhathi sokukhishwa kwemali futhi lugcinwe emali-mbolekweni. Alubalwa kabusha njalo lapho ikhasi livuleka. Ingxenye owayibiza umboleki ngoMashi yingxenye uhlelo olusayibonisa ngoNovemba, futhi ukushintsha umkhiqizo akukwazi ukubhala kabusha ngokuthula imali-mboleko esivele isebenza.
Ukwabiwa kwempophoma
Impophoma umthetho onquma ukuthi iyiphi ingxenye yesikweletu inkokhelo eyikhokha kuqala. Imali igcwalisa isigaba ngasinye ngokulandelana futhi ime lapho iphela: izinhlawulo, bese izimali, bese inzalo, bese okusele kususwa enhlokweni. Ukulandelana kumisiwe futhi kuyafana kuyo yonke imali-mboleko, ngakho izikhulu ezimbili azikwazi ukusebenzisa inkokhelo efanayo ngezindlela ezimbili ezihlukene, futhi ukwehlukaniswa okuvelayo kuqoshwa enkokhelweni ngokwayo.
- 1Ukwehlukaniswa okune enkokhelweni eyodwa
- 2Izigaba ezine ezifanayo, ngokulandelana okufanayo, kuyo yonke inkokhelo
Yonke inkokhelo iphethe ukwabiwa kwayo, ngakho impendulo yokuthi «imali yami yaya kuphi» isenkokhelweni ngokwayo.
Irejista yesibambiso
Bhala impahla evikela imali-mboleko: iyini, yalinganiselwa kumalini, yalinganiselwa nini, futhi ubani ophethe imiqulu. Irejista ixhunywe emali-mbolekweni, ngakho ukukhulula isibambiso kuba yisinyathelo sokuvala imali-mboleko esikhundleni senothi ekhabetheni likamuntu.
Ukusayinwa kwemiqulu kwedijithali
Sayina izivumelwano zemali-mboleko ngaphakathi kwe-Lendbox. Wena usayina isifanekiso kanye, njengomebolekisi. Ngemuva kwalokho umboleki ngamunye usayina isivumelwano sakhe, ngemali-mboleko ngayinye. Umqulu osayiniwe ugcinwa emali-mbolekweni, ngakho isivumelwano nebhalansi esiyidalile azikaze zibe sezindaweni ezimbili ezihlukene.
Amagatsha amaningi
Imali-mboleko ingeyegatsha. Abasebenzi baphethe indima ngegatsha ngalinye, ngakho umuntu ofanayo angaba yisikhulu semali-mboleko kwelinye igatsha abe ngumphathi kwelinye. Lokho umuntu angakubona, akuphakamise noma akugunyaze kulandela igatsha asebenza kulo, hhayi indima eyodwa yomhlaba wonke esetshenziswa yonke indawo.
Ibhini lokusayikila
Ukususa akusona isiphetho serekhodi. Izinto ezisusiwe ziya ebhinini lokusayikila futhi zingabuyiselwa. Ibhini liyazi ukuthi yini exhomeke kuyiphi, ngakho iklayenti alikwazi ukususwa ngaphansi kwemali-mboleko evulekile, futhi ukususa ngephutha akube yisikhala emzileni wokucwaninga.
Okubonwa umcwaningimabhuku
Sonke isenzo siphethe igama nesikhathi
I-Lendbox ibhala ukufakwa njengoba isenzo senzeka, maqondana nerekhodi okwenzeke kulo. Akusona isifinyezo esihlanganiswa ekupheleni kwenyanga.
Lapho umcwaningimabhuku ekhomba imali-mboleko futhi ebuza ukuthi yagunyazwa kanjani ngalelo nani, impendulo isemali-mbolekweni. Angabona isikhulu esiyiphakamisile, umphathi oyigunyazile, usuku ngamunye wabo enza ngalo, kanye nakho konke ukuhlelwa kusukela ngaleso sikhathi.
- Umsebenzisi odale, ohlele noma osuse irekhodi ngalinye
- Isitembu sesikhathi kuso sonke isenzo
- Umgunyazi kuso sonke isigaba senqubo
- Amarekhodi abuyiselwe, nokuthi ubani owabuyisela
Ngaphambi kokuqala
- Sesivele sinencwadi esebenzayo. Singayiletha?
- Yebo. Ngenisa amaklayenti nemali-mboleko yakho ekhona namabhalansi ayo, futhi ubeke isikhundla sokuqala saleyo naleyo mali-mboleko ukuze uhlelo lwayo luqhubeke lapho lukhona namuhla. Awudingi ukuvala incwadi yakho yamanje ukuze uqale.
- Sisebenzisa imikhiqizo eminingi ehlukene yemali-mboleko. Ingabe lokho kuyinkinga?
- Cha. Dala umkhiqizo ngamunye. Izindlela ezehlukene zenzalo, izimali, izinhlawulo nezikhathi zomusa zisebenza ndawonye, futhi imali-mboleko ilandela umkhiqizo eyabhalwa kuwo, ngakho imibandela yomunye ayikaze ivuzele komunye.
- Kwenzekani ngedatha yethu uma sikhansela?
- Ihlala ingeyakho. Khipha amaklayenti, imali-mboleko, ukuthengiselana neleja lakho ngaphambi kokuhamba. Incwadi yakho ayibanjwa njengengcindezi yokukugcina kuhlelo.
Imibuzo abantu abayibuzayo
- Isofthiwe yokuphatha imali-mboleko iwuhlelo lwamarekhodi lwencwadi yemali-mboleko yomebolekisi. Iphethe umboleki, imibandela yemali-mboleko, izinqumo zokugunyaza, uhlelo lokukhokha, izinkokhelo ezitholiwe nemiqulu esayiniwe — ukuze isimo saleyo naleyo mali-mboleko sitholakale endaweni eyodwa esikhundleni sokwakhiwa kabusha kusuka kumaspredishithi nemilayezo.
- Yebo. Zombili zibekwa emkhiqizweni wemali-mboleko, kanye nendlela yokubala izinsuku — Actual/365 noma 30/360. Imikhiqizo esebenzisa izindlela ezehlukene ingasebenza ndawonye encwadini efanayo.
- Umthetho onquma ukuthi iyiphi ingxenye yesikweletu inkokhelo eyikhokha kuqala. Inkokhelo igcwalisa isigaba ngasinye ngokulandelana futhi ime lapho imali iphela: izinhlawulo, bese izimali, bese inzalo, bese inhloko. Ku-Lendbox lokho kulandelana kumisiwe kunokuba kuhlelwe, ngakho kuyafana kuyo yonke imali-mboleko nakuwo wonke umkhiqizo, futhi ukwehlukaniswa okuvelayo kuqoshwa kuyo yonke inkokhelo.
- Yebo. Izinqubo zokugunyaza zidwetshwa kukhanvasi, isigaba ngesigaba, futhi zisetshenziswe ngomkhiqizo ngamunye wemali-mboleko. I-maker-checker iyaphoqelelwa, ngakho umsebenzisi ophakamisa imali-mboleko akakwazi ukuyigunyaza ngokwakhe.
- Imali-mboleko namaklayenti kubekwe egatsheni, futhi abasebenzi baphethe indima ngegatsha ngalinye kunendima eyodwa esikhungweni sonke. Umuntu ofanayo angaba yisikhulu semali-mboleko kwelinye igatsha abe ngumphathi kwelinye.
- Yebo. Okususiwe kuya ebhinini lokusayikila futhi kungabuyiselwa. Ibhini liyaziqonda izinto ezixhomekile, ngakho amarekhodi amanye amarekhodi athembele kuwo awakwazi ukususwa ngokuthula.
- Yebo. Umjikelezo wempilo wemali-mboleko ofanayo, izilawuli zokugunyaza nomzila wokucwaninga kusiza kokubili. Ama-SACCO ngokuvamile asebenzisa nohlangothi olubhekene namalungu, futhi izikhungo ezincane zezimali zeyame kakhulu ekwabelweni kwamagatsha nasembikweni wezikweletu.
Iyini isofthiwe yokuphatha imali-mboleko?
Ingabe i-Lendbox iyayisekela inzalo eyisicaba nebhalansi encipha?
Kuyini ukwabiwa kwempophoma enkokhelweni yemali-mboleko?
Singasetha inqubo yethu yokugunyaza?
I-Lendbox iwaphatha kanjani amagatsha amaningi?
Ingabe imali-mboleko esusiwe ingabuyiselwa?
Ingabe i-Lendbox ilungele i-SACCO njengoba ilungele isikhungo esincane sezimali?
Noma iyiphi ingxenye ekulethe lapha, lokhu kuza nayo
- Ababoleki, imali-mboleko namafayela angenamkhawulo
- Akukho mali ekhokhwayo ngerekhodi ngalinye. Ibhili yakho ayikhuli ngoba incwadi yakho ikhulile.
- Abasebenzi bakho kuwebhu, ku-Android naku-iOS
- Idatha efanayo kulaptop egatsheni nasocingweni ensimini.
- Umzila wokucwaninga ophelele
- Sonke isenzo siphethe igama lomuntu osenzile nesikhathi asenza ngaso.
Kufake encwadini yakho yemali-mboleko
Dala i-akhawunti, usethe umkhiqizo owodwa wemali-mboleko, futhi udlulise imali-mboleko yangempela kusukela ekuqaleni kuya ekugcineni. Akukho okufakwayo.
Ukulinga kwamahhala kwezinsuku ezingama-30. Ayidingeki ikhadi.