Yiya kokuqukethwe okuyinhloko

Ukuphepha nezilawuli

Kubambe ngaphambi kokukhishwa kwemali. Wazi ngemuva kwalokho ukuthi ubani okwenzile.

Izinkinga ezimbili ezahlukene ziphila ngaphansi kwesihloko esisodwa. Inkohliso efika nesicelo, nenkohliso eyenzeka ngaphakathi kwesikhungo sakho. I-Lendbox iziphatha ngokwehlukana, ngoba zimiswa yizinto ezahlukene.

I-Approval Center, ibhala konke okulinde isinqumo
  • 1Yonke into elinde isinqumo, kulayini owodwa
  • 2Ubani owayiphakamisa, nokuthi ilinde siphi isigaba

Akukho okugunyazwa ochungechungeni lwe-chat noma ocingweni. Konke okulinde isinqumo kuhlala kulayini owodwa, kuphethe igama laloyo owakuphakamisa.

Izinkinga ezimbili, hhayi eyodwa

Iningi lokulahlekelwa alihlakaniphile. Lingelangaphakathi.

Inkohliso yangaphandle ithola ukunakwa: i-payslip emgunyathi, umqulu wobunikazi obolekiwe, umuntu ofanayo ofaka isicelo kabili ngezindlela ezimbili zokupela igama lakhe.

Inkohliso yangaphakathi ithule futhi ngokuvamile inkulu. Imali-mboleko egunyazwe umuntu oyiphakamisile. Inkokhelo ebhaliwe kodwa engazange ifakwe ebhange. Irekhodi elisusiwe emuva kwesikhathi. Lezi azibanjwa ukuhlolwa okuhlakaniphe ngakhona emnyango — zivinjelwa yizilawuli, futhi zifakazelwa umzila wokucwaninga.

  • Emnyango: ukutholwa kwenkohliso yemiqulu namaphuzu engozi
  • Ngaphakathi kwesikhungo: i-maker-checker, izimvume, ukwabiwa ngegatsha
  • Ngemuva kwesenzo: ukunikwa kwegama kuso sonke isenzo, nokususa okungabuyiselwa

Esicelweni

Ukuhlolwa kwenkohliso kulokho umboleki akunika khona

Imiqulu elayishwe ku-Lendbox iyahlolwa njengoba ifika — isithombe somazisi, i-payslip, irekhodi lebhizinisi, isithombe somboleki uqobo.

  • Ukutholwa kwenkohliso yemiqulu

    Lonke ifayela elilayishiwe liyahlolwa futhi liphethe izinga lengozi: eliphansi, elimaphakathi, eliphezulu noma elibucayi. Ifayela uhlelo olubona lisengozini enkulu limakwa ngokuthi «Ingozi Ephezulu Yenkohliso»; elibona lenziwe limakwa ngokuthi «Elimgunyathi». Uphawu luhlala emqulwini uqobo, nencazelo yalokho okutholakele, ngakho isikhulu siyalubona ngesikhathi sihlola kunasembikweni ngemuva kwesikhathi.

  • Liyaphawula. Alinqumi.

    Uphawu wulwazi olunikezwa umuntu, hhayi ukwenqatshwa okukhishwa umshini. Isikhulu sisahlola imali-mboleko, futhi isicelo esiphawuliwe singaqhubeka uma kukhona isizathu esizwakalayo — okuyingxenye yerekhodi, ngoba isinqumo siphethe igama laloyo osenzile.

Ekuhlolweni

Iphuzu lengozi isikhulu esingaphikisana nalo

Licelwa esicelweni, kusuka kulokho isikhungo esikwaziyo ngempela ngemali-mboleko ecelwayo.

Iphuzu libalwa kusuka kumibandela yemali-mboleko uqobo — inani, isikhathi, indlela yenzalo, umjikelezo wokukhokha, izimali nokusethwa kwezinhlawulo — kanye nephrofayela yomboleki nesibambiso esinamathiselwe esicelweni.

Libuya njengenombolo nencazelo ebhaliwe yokuthi lifinyelelwe kanjani. Lapho iphrofayela yomboleki incane kakhulu ukuba ilinganiselwe kahle, libiza izinsimu ezingekho esikhundleni sokulinganisa lizungeza, ngakho isikhulu siyawazi umehluko phakathi komboleki oyingozi nefayela elingaphelele.

Kuwukusekelwa kwesinqumo. Aligunyazi imali-mboleko, alenqabi imali-mboleko, futhi alithathi indawo yenqubomgomo yakho yesikweletu — inqubo oyidwebile isanquma ukuthi ubani osayinayo.

  • Iphuzu, nesifinyezo esibhaliwe salokho okulidonsile
  • Libalwa kusuka kumibandela yemali-mboleko, iphrofayela yomboleki nesibambiso
  • Libiza izinsimu zephrofayela ezingekho esikhundleni sokuzizungeza
  • Licelwa yisikhulu, esicelweni esiphambi kwaso

Izinkinga ezimbili, hhayi eyodwa

Izilawuli ezimisa inkohliso yangaphakathi

Lena yingxenye yekhasi ebaluleke kakhulu esikhungweni esincane sezimali, ngoba yingxenye ekhuluma ngalapho imali eya khona ngempela.

  • I-maker-checker

    Umuntu ophakamisa okuthile akuyena umuntu okugunyazayo. Kusebenza ekugunyazweni kwemali-mboleko, ezinkokhelweni, ekufakweni kwejenali, nasezinguqukweni ezenziwa emali-mbolekweni ngemuva kokuba isebenza. Ukufakwa okuphakanyiswe umsebenzisi oyedwa kuhlala kulindile kuze kwamukelwe umsebenzisi wesibili onemvume efanele — okuyisilawuli umcwaningimabhuku wakho azosibuza ngegama.

Izimvume, imojula ngemojula

Ukufinyelela akusona isikhonkwane esisodwa. Imojula ngayinye ibekwa ezingeni ngendima ngayinye — Lutho, Ukubuka Kuphela, Angacela, Angagunyaza, Angahlela noma Unokufinyelela — ngakho umabhalane wokuqoqa angabhala inkokhelo ngaphandle kokukwazi ukuyigunyaza, futhi umphathi wegatsha angagunyaza ngaphandle kokukwazi ukubhala kabusha umkhiqizo wemali-mboleko.

Ithebula lezimvume lendima yesisebenzi, imojula ngemojula
  • 1Imojula eyodwa, izinga elilodwa, ngendima ngayinye
  • 2Izimvume ezingaphansi ngaphansi kwemojula

Amazinga ayisithupha, abekwe ngemojula. «Angacela» kanye «Angagunyaza» ngamabomu kuyizinto ezimbili ezahlukene.

  • Indima ngegatsha, hhayi ngomuntu

    Abasebenzi baphethe indima kulelo nalelo gatsha abasebenza kulo, futhi izindima zingahluka. Umuntu ofanayo angaba yisikhulu semali-mboleko kwelinye igatsha abe ngumphathi kwelinye, enamalungelo aqondene ncamashi nalokho igatsha ngalinye elikuhlosile. Akekho onikwa igunya lesikhungo sonke ngoba nje kwakulula ukukusetha.

  • Ukuvumela akuwona umusa, kuwukugunyazwa

    Ukwelula imali-mboleko, ukuyigingqela phambili, noma ukuyehlisa lokho okukweletwayo yizindlela ezithule imali ephuma ngazo kumebolekisi. Ku-Lendbox yileyo naleyo yisicelo hhayi ukuhlela: iphakanyiswa ngumsebenzisi oyedwa, igunyazwe ngomunye, futhi ayisebenzi kuze kube njalo. Kuze kube yileso sikhathi imali-mboleko isabonisa lokho ekukweletayo ngempela, futhi ukuvunyelwa kuvela embikweni wezinqumo namagama omabili.

Ngemuva kwesenzo

Irekhodi lokuthi ubani wenzeni

Sonke isenzo sinikezwa umsebenzisi futhi sitshaywe isitembu sesikhathi, maqondana nerekhodi okwenzeke kulo. Kudaliwe, kuhleliwe, kugunyaziwe, kususiwe — konke lokho.

Ukususa akuwesuli umzila. Amarekhodi asusiwe ahamba aye ebhinini lokusayikila futhi angabuyiselwa, futhi ukubuyiselwa nakho kuyisenzo esinikezwe umuntu. Umzila wokucwaninga umsebenzisi angasusa kuwo okufakiwe ngokuthula awuwona umzila wokucwaninga.

  • Umsebenzisi nesitembu sesikhathi kuso sonke isenzo
  • Umgunyazi kuso sonke isigaba senqubo ngayinye
  • Okususiwe kungabuyiselwa ebhinini lokusayikila
  • Ukubuyiselwa kunikezwa igama njenganoma yisiphi esinye isenzo

Ukuvikelwa kwedatha

Lapho idatha yakho ihlala khona, nokuthi ubani ongayifinyelela

Idatha ibethelwe ngesikhathi ihamba nalapho igciniwe. Ukufinyelela kulandela imithetho yezimvume neyegatsha oyibekile — akukho ukubuka okuyiziba ngokuthula, futhi ukufinyelela komphathi nakho kuyimvume ephethwe abantu abaqanjiwe ngamagama.

Amakhophi asekelayo ayathathwa futhi agcinwe. Amarekhodi akho ahlala engakhishwa uma nje unayo i-akhawunti — amaklayenti, imali-mboleko, ukuthengiselana neleja ephelele — ngakho idatha oyifakayo yidatha ongayikhipha.

  • Ibethelwe ngesikhathi ihamba nalapho igciniwe
  • Ukufinyelela kubuswa yindima negatsha, ngaphandle kwendlela yokugwema
  • Ukufinyelela komphathi kuyimvume enegama, hhayi ukungena okwabelwanayo
  • Idatha yakho iyakhishwa, kufaka phakathi nangesikhathi uhamba

Ngaphambi kokuqala

Ingabe isikhulu singaludlula uphawu?
Yebo, futhi lokho kwenziwe ngamabomu — uphawu wulwazi, hhayi isahlulelo. Okungeke kudlulwe yirekhodi: isicelo sisabonisa ukuthi saphawulwa, futhi ukugunyazwa kusaphethe igama lomuntu owaqhubeka.
Ubani ongabona umzila wokucwaninga?
Ulandela izimvume zakho njengakho konke okunye, ngakho nguwe onquma ukuthi yiziphi izindima ezingawufunda. Okungenakwenziwa yinoma yiyiphi indima ukuwuhlela noma ukususa okufakiwe kuwo.
Kwenzekani ngedatha yethu uma sihamba?
Uyayikhipha — amaklayenti, imali-mboleko, ukuthengiselana neleja ephelele. Amarekhodi akho awabanjwa ukuze ukugcine ubhalisile.

Imibuzo abantu abayibuzayo

Yikuphi ukuhlolwa kwenkohliso i-Lendbox ekwenzayo?
Imiqulu elayishwe maqondana nomboleki noma imali-mboleko — omazisi, ama-payslip, amarekhodi ebhizinisi, izithombe zababoleki — iyahlolwa futhi iphethe izinga lengozi eliphansi, elimaphakathi, eliphezulu noma elibucayi, kanye nencazelo yalokho okutholakele. Uphawu luboniswa isikhulu ngesikhathi sokuhlola.
Ingabe iphuzu lengozi liyayigunyaza noma liyayenqaba imali-mboleko?
Cha. Libuyisa inombolo nencazelo ebhaliwe njengokusekela isinqumo sesikhulu. Ukugunyazwa kunqunywa yinqubo oyisethile, ngabantu abaqanjiwe abasayinela izinqumo zabo.
Iyini i-maker-checker, futhi i-Lendbox iyisebenzisa kuphi?
I-maker-checker isho ukuthi umuntu ophakamisa isenzo akakwazi ukuba nguye osigunyazayo. Ku-Lendbox isebenza ekugunyazweni kwemali-mboleko, ezinkokhelweni, ekufakweni kwejenali, nasezinguqukweni zemali-mboleko esebenzayo njengokwelulwa, ukugingqelwa phambili nezaphulelo.
Zinemininingwane kangakanani izimvume zabasebenzi?
Izimvume zibekwa ngemojula ngayinye nangendima ngayinye, esikalini sokuthi Lutho, Ukubuka Kuphela, Angacela, Angagunyaza, Angahlela kanye Unokufinyelela. Amamojula aphethe izimvume zawo ezingaphansi, futhi abasebenzi baphethe indima ngegatsha ngalinye kunendima eyodwa esikhungweni sonke.
Ingabe umsebenzisi angasusa okuthile ukuze afihle izinyathelo zakhe?
Ukususa kudlulisela amarekhodi ebhinini lokusayikila, lapho engabuyiselwa khona, futhi kokubili ukususa nokubuyisela kunikezwa umsebenzisi okwenzile. Umzila wokucwaninga uqobo awukwazi ukuhlelwa.
Ingabe i-Lendbox iyaqinisekisa ukuthi inkohliso ngeke yenzeke?
Cha, futhi noma yiluphi uhlelo lokubolekisa oluthi ngenye indlela kufanele luphathwe ngokucophelela. Lokho i-Lendbox ekwenzayo ukuphawula imiqulu eyingozi ngaphambi kokukhishwa kwemali, ukwenza inkohliso yangaphakathi idinge abantu ababili kunoyedwa, nokwenza sonke isenzo sikwazi ukunikwa igama ngemuva kwalokho.

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.

Qala ukulinga kwamahhala

Ukulinga kwamahhala kwezinsuku ezingama-30. Ayidingeki ikhadi.

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