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Kuzikhungo ezinelayisensi ezamukela amadiphozithi

Isofthiwe yebhange lezimali ezincane eqhuba amadiphozithi nemali-mboleko njengakunye

Kumabhange ezimali ezincane anelayisensi amukela amadiphozithi — ukonga, imali-mboleko, amagatsha nemibiko yokulawula kuhlelo olulodwa.

Awebolekisi nje — ubamba ukonga kwabantu, futhi umlawuli ukubambisa kukho kokubili. Kodwa amadiphozithi asohlelweni olulodwa, imali-mboleko kwenye, igatsha ngalinye ligcina inguqulo yalo yeqiniso, futhi ekupheleni kwenyanga ngayinye umbiko webhange elikhulu uba ukugijima ukuvumelanisa konke. Ukuba yibhange kusho ukwethenjwa. Lokho kwethembana kunzima ukukuvikela uma izinombolo zihlala ezindaweni ezinhlanu.

Lapho kuphuka khona

Lokho ukuba yisikhungo esamukela amadiphozithi okudingayo ngempela

Ibhange lezimali ezincane lithwala isisindo umebolekisi wezikweletu kuphela angasithwali: amadiphozithi abantu abanye, inethiwekhi yamagatsha, nomlawuli oqaphe kokubili.

Amadiphozithi ahlala ohlelweni olulodwa nemali-mboleko kwenye.

Ukonga, amadiphozithi amisiwe nemali-mboleko kuqhutshwa kuyo inkundla efanayo, ukuze ubudlelwano bonke bekhasimende nebhange buhlale ndawonye — ngaphandle kokuvumelanisa izinhlelo ezimbili ebezingahloselwe ukukhuluma.

Igatsha ngalinye libika ngendlela ehluke kancane, futhi ihhovisi elikhulu liyakuthunga ndawonye.

Wonke amagatsha asebenza ohlelweni olulodwa. Ihhovisi elikhulu libona izinombolo ezihlanganisiwe nezegatsha ngalinye ngesikhathi sangempela — ngaphandle kokulinda amaspredishithi avela ensimini ukuze lazi ukuthi ibhange limi kuphi.

Umbiko wokulawula umintsha isonto lokugcina lenyanga ngayinye.

Ukuhlukaniswa kwemali-mboleko, ukubekelela nezibalo ezingemuva kwemibiko yakho yebhange elikhulu kukhiqizwa kusukela kudatha ephilayo, ukuze umnqamulajuqu ube ngokuthumela — hhayi umkhuba wesiphuthuma.

Abathela balinganisa imali ngesandla futhi ukuphela kosuku akuhlali kuhlangana.

Imisebenzi yethela ithwetshulwa njengoba yenzeka futhi ivumelaniswe ekupheleni kosuku, ukuze izimo zemali zilingane futhi inombolo engekho itholakale ngemizuzu, hhayi ngemuva kokuvalwa.

Ikhasimende elinakhawunti yokonga, imali-mboleko nediphozithi libukeka njengamakhasimende amathathu.

Umbono owodwa wekhasimende ubonisa wonke umkhiqizo aliwuphethe nokuthi usebenza kanjani, ukuze ithimba lakho lisebenzele ubudlelwano bonke esikhundleni sokubuhlanganisa.

Ukuthi kufaneleka kanjani

Indlela i-Lendbox eqhuba ngayo ibhange lezimali ezincane

Isofthiwe yebhange lezimali ezincane uhlelo lwebhange oluyisisekelo lwamabhange ezimali ezincane anelayisensi amukela amadiphozithi — ukuqhuba ukonga namadiphozithi kanye nemali-mboleko, ukuhlanganisa igatsha ngalinye, ukukhiqiza izibalo ezingemuva kwemibiko yebhange elikhulu neyokuqaphela, nokugcina imali yethela neyokuphela kosuku iqinile ngaphansi kokulawula okufanele. Akuwona uhlu lwezici — yizinto ezine kuphela isikhungo esilawulwayo esamukela amadiphozithi esingakwazi ukusebenza ngaphandle kwazo.

Amakhawunti okonga nediphozithi

Isikhungo esamukela amadiphozithi singaphezu kwencwadi yemali-mboleko. I-Lendbox iqhuba uhlangothi lokonga njengengxenye ephelele yebhange, eduze nokweboleka.

  • Amakhawunti okonga nawamanje anentela emabhalansini
  • Amadiphozithi amisiwe nawesikhathi anokuphathwa kokuvuthwa
  • Amadiphozithi nokukhipha kurekhodwa ngesikhathi sangempela
  • Ukonga kulandelelwa eduze nemali-mboleko yekhasimende ngalinye

Imisebenzi yamagatsha amaningi

Qhuba inethiwekhi yonke kusukela ohlelweni olulodwa, ngokubonakala nokulawula ihhovisi elikhulu elikudingayo kuwo wonke amagatsha.

  • Wonke amagatsha enkundleni eyodwa ehlanganisiwe
  • Ukubika kokusebenza kwegatsha ngalinye nokwebhange lonke
  • Izindima nezimvume ezikalwe ngegatsha
  • Umsebenzi ophakathi kwamagatsha uvumelaniswa maphakathi

Ukubika kokulawula nokuqaphela

Ukubika kumlawuli akuxoxwa. I-Lendbox igcina izinombolo ezingemuva zinembile zilungile, inyanga yonke.

  • Ukuhlukaniswa kwemali-mboleko nokubekelela kusukela kudatha ephilayo
  • Izinombolo ezivumelaniswa nezidingo zombiko webhange elikhulu
  • Iphothifoliyo esengozini namaratiyo okuqaphela uma kudingeka
  • Okuthunyelwayo okuhlanzekile kokuthumela nabacwaningi-mabhuku

Ukuphatha umthelisi nemali

Ikhawunta yilapho ukwethemba kuwinwa noma kulahleke khona. I-Lendbox igcina ukuphathwa kwemali kuqinile nokuphela kosuku kuhlanzekile.

  • Imisebenzi yethela ithwetshulwa ekhawunteni
  • Ukulinganisa kokuphela kosuku nezimo zemali
  • Ukulawula komenzi-mhloli ezenzweni ezibucayi
  • Umzila ophelele wokucwaninga ngemuva kokufakwa ngakunye

Ubufakazi

“Ukonga kwakusohlelweni olulodwa, imali-mboleko kwenye, futhi ihhovisi elikhulu lalibona izinombolo zamagatsha izinsuku ezimbalwa ngemuva. Nge-Lendbox kuyinkundla eyodwa — amadiphozithi, imali-mboleko negatsha ngalinye kuskrini esisodwa — futhi umbiko wanyanga zonke kumlawuli ungukuthumela esikhundleni sesonto le-overtime sokuvumelanisa amaspredishithi.”
Joseph Banda, iNhloko Yokusebenza, Hekima Microfinance Bank·Ibhange lezimali ezincane elamukela amadiphozithi · amagatsha angu-9
enkundleni eyodwa
Amagatsha 9
ukubika okuhlanganisiwe
Ngesikhathi sangempela
ukufaka umbiko wokulawula
Isonto 1 → imizuzu

Imibuzo amabhange ezimali ezincane asibuza yona

Iyini isofthiwe yebhange lezimali ezincane?
Isofthiwe yebhange lezimali ezincane uhlelo lwebhange oluyisisekelo olwakhelwe amabhange ezimali ezincane anelayisensi amukela amadiphozithi — iqhuba ukonga, amadiphozithi nemali-mboleko enkundleni eyodwa, ihlanganisa igatsha ngalinye, ikhiqiza ukuhlukaniswa kwemali-mboleko, ukubekelela nezibalo ezingemuva kwemibiko yebhange elikhulu neyokuqaphela, futhi igcina imali yethela neyokuphela kosuku iqinile ngokulawula komenzi-mhloli. I-Lendbox iletha amadiphozithi, imali-mboleko, amagatsha nokubika kokulawula kuhlelo olulodwa, ukuze ubudlelwano bonke bekhasimende nesimo sonke sebhange kuhlale ndawonye.
Ingabe singaphatha ukonga namadiphozithi kanye nemali-mboleko kuhlelo olulodwa?
Yebo. I-Lendbox uhlelo lwebhange oluyisisekelo oluqhuba amakhawunti okonga nawamanje, amadiphozithi amisiwe nawesikhathi, nemali-mboleko enkundleni efanayo, ukuze ubudlelwano bonke bekhasimende ngalinye nebhange — amadiphozithi nokweboleka — buhlale ndawonye.
Ingabe isekela amagatsha amaningi nokubika okuhlanganisiwe?
Yebo. I-Lendbox iqhuba igatsha ngalinye ohlelweni olufanayo, ngezindima nezimvume ezikalwe ngegatsha, futhi ihhovisi elikhulu libona kokubili ukusebenza kwegatsha ngalinye nokwebhange lonke ngesikhathi sangempela.
Ingabe ingasiza ngokubika kwebhange elikhulu nokubekelela kwemali-mboleko?
Yebo. I-Lendbox ibala ukuhlukaniswa kwemali-mboleko, ukubekelela nephothifoliyo esengozini kusukela kudatha ephilayo futhi ikuvumelanise nezidingo zombiko webhange lakho elikhulu, ngokuthunyelwayo okuhlanzekile kokuthumela nabacwaningi-mabhuku.
Ingabe iphatha imisebenzi yethela nokulinganisa imali kokuphela kosuku?
Yebo. I-Lendbox ithwebula imisebenzi yethela ekhawunteni njengoba yenzeka, ukulinganisa kokuphela kosuku kuvumelanisa izimo zemali, futhi ukulawula komenzi-mhloli kuhlala ezenzweni ezibucayi.
Ingabe singabona ubudlelwano bonke bekhasimende endaweni eyodwa?
Yebo. I-Lendbox ikunika umbono owodwa wekhasimende obonisa wonke umkhiqizo akuphethe ikhasimende — ukonga, amadiphozithi nemali-mboleko — nokuthi ngamunye usebenza kanjani, ukuze ithimba lakho lisebenzele ubudlelwano bonke kanyekanye.
Ingabe inokulawula nomzila wokucwaninga ibhange elilawulwayo elikudingayo?
Yebo. I-Lendbox inikeza izimvume ezisekelwe ezindimeni, izimvume zomenzi-mhloli ezenzweni ezibucayi, nomzila ophelele wokucwaninga ngemuva kokufakwa ngakunye — ukulawula isikhungo esinelayisensi esamukela amadiphozithi okulindeleke ukuthi sikuqhube.

Qhuba ibhange lonke enkundleni eyodwa

Qala ukulinga kwamahhala kwe-Lendbox bese uhlanganisa amadiphozithi, imali-mboleko, amagatsha nokubika ndawonye.

Qala ukulinga kwakho kwamahhala

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