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Kuma-SACCO nezinhlangano zokonga

Isofthiwe yokuphatha imali-mboleko ye-SACCO eyakhelwe ilungu

Kuma-SACCO nezinhlangano zokonga — ukonga, amasheya, abaqinisekisi nemali-mboleko yamalungu kuhlelo olulodwa olungolwamalungu.

Amalungu akho awaboleki nje kwi-SACCO — ayayiphethe. Onga kuyo, athenga amasheya kuyo, aqinisekisana ngemali-mboleko, futhi ekupheleni konyaka alindele isabelo-nzuzo sawo. Ngakho lapho ukonga kwelungu kuhlala encwadini eyodwa, imali-mboleko yalo kwenye nezinsika zalo kweyesithathu, iphutha elincane akulona iphutha nje — kuwukwethembana kwelungu entweni eliyiphethe. Lokho kuwumthwalo osinda kunanoma yiliphi ispredishithi okufanele liwuthwale.

Lapho kuphuka khona

Lokho inhlangano engeyamalungu ekudingayo ngempela

I-SACCO akusona umebolekisi onamalungu okonga anamathiselwe. Ubunikazi, amasheya, izinsika nezabelo-nzuzo kuyenza ibe uhlobo oluhlukile lwesikhungo ozosiphatha.

Ukonga, amasheya nemali-mboleko yelungu kuhlala ezincwadini ezintathu ezihlukene.

Ilungu ngalinye linerekhodi elilodwa — imali-mboleko yamasheya, ukonga, imali-mboleko nezinsika ndawonye — ukuze ubone ngqo ukuthi ilungu limi kuphi ngomzuzu eling'ena.

Imikhawulo yemali-mboleko incike ekongeni, futhi ukuyibala ngesandla kumema amaphutha.

I-Lendbox ibala umkhawulo wokweboleka welungu ngalinye kusukela ekongeni nasemasheyeni alo ngokuzenzakalelayo, ukuze ukufaneleka kube kuhle njalo futhi kusetshenziswe kubo bonke ngendlela efanayo.

Amalungu aqinisekisana ngemali-mboleko, futhi ubungozi buhlala enkumbulweni yomuntu.

Abaqinisekisi barekhodwa kuyo yonke imali-mboleko, kanti isamba sobungozi besiqinisekiso selungu ngalinye siyabonakala — ukuze ukungakhokhi kungasoze kwabethusa labo abamile ngemuva kwayo.

Imali-mboleko ilinda ikomidi lezikweletu, futhi ulayini uhlala ephepheni.

Izicelo zifika ekomidini ngolayini ohlelekile nesithombe esiphelele selungu sinamathiselwe, futhi sonke isinqumo siyarekhodwa — izimvume ezisheshayo ezima ngesikhathi sokuhlolwa.

Izabelo-nzuzo zokuphela konyaka zisho amasonto amabili amaspredishithi abuthakathaka.

Izabelo-nzuzo zamasheya nentela yemali efakiwe kubalwa kusukela kudatha ephilayo yamalungu, ukuze ukwabiwa kokuphela konyaka kube okuyikho, okunobulungiswa nokushesha kakhulu ukukukhiqiza.

Ukuthi kufaneleka kanjani

Indlela i-Lendbox eqhuba ngayo i-SACCO

Isofthiwe ye-SACCO — ngezinye izikhathi ebizwa ngohlelo lokuphatha i-SACCO — iqhuba inhlangano yokonga nezikweletu izungeze amalungu ayo: imali-mboleko yamasheya nokonga, imikhawulo yemali-mboleko esekelwe ukonga, abaqinisekisi, ikomidi lezikweletu, nezabelo-nzuzo zokuphela konyaka, konke kurekhodi elilodwa elingelelungu. Akuwona uhlu lwezici — yizinto ezine kuphela ezigcina inhlangano engeyamalungu inembile futhi inobulungiswa.

Ukonga namasheya amalungu

I-SACCO ingamalungu ayo. I-Lendbox igcina imali-mboleko yamasheya nokonga phakathi, lapho konke okunye mayelana nelungu kuxhumana khona.

  • Imali-mboleko yamasheya nemikhiqizo yokonga eminingi ngelungu ngalinye
  • Imali efakwayo nekhishwayo irekhodwa ngesikhathi sangempela
  • Irejista yamalungu ephelele endaweni eyodwa
  • Ukonga namasheya kuboshelwe emali-mbolekweni yelungu ngalinye

Imali-mboleko esekelwe ukonga

Umthetho wesiphindaphindi sokonga uyinhliziyo yokweboleka kwe-SACCO. I-Lendbox iwuqinisa ukuze ukufaneleka kube okuvumelanayo nokuvikelekayo.

  • Imikhawulo yokweboleka ebekwe njengesiphindaphindi sokonga noma samasheya
  • Ukufaneleka kuhlolwa ngokuzenzakalelayo ngesikhathi sokufaka isicelo
  • Imikhiqizo eminingi yemali-mboleko enemithetho yayo
  • Ukukhokha nentela kulandelelwa ngelungu ngalinye

Abaqinisekisi nobungozi

Iziqinisekiso zamalungu zibambela imodeli ndawonye. I-Lendbox iyazigcina zinembile ukuze inhlangano — namalungu ayo — kuvikeleke.

  • Abaqinisekisi barekhodwe kuyo yonke imali-mboleko
  • Isamba sobungozi besiqinisekiso selungu ngalinye siyabonakala
  • Ukonga kukhiyiwe njengesivikelo lapho kudingeka
  • Umbono ocacile wokuthi ngubani osekela ini

Izabelo-nzuzo nokuzisiza kwelungu

Amalungu aphethe i-SACCO, futhi kufanele akwazi ukubona isabelo sawo kuyo. I-Lendbox iphatha izabelo-nzuzo futhi inikeza amalungu ifasitela lawo.

  • Izabelo-nzuzo zamasheya nentela yemali efakiwe kubalwa ngokuzenzakalelayo
  • Amalungu ahlola wona ngokwawo amabhalansi okonga, emali-mboleko nawamasheya
  • Izitatimende ziyatholakala uma kudingeka
  • Imibuzo emincane ekhawundeni kwithimba lakho

Ubufakazi

“Sasivumelanisa ukonga, amasheya nemali-mboleko ezincwadini ezihlukene, futhi isikhathi sezabelo-nzuzo kwakungamasonto amabili okubamba umoya. Manje isimo esiphelele selungu ngalinye siskrinini esisodwa, imikhawulo yemali-mboleko izibalela yona kusukela ekongeni, futhi izabelo-nzuzo zokuphela konyaka ziphuma kudatha ephilayo.”
Grace Waweru, uMphathi we-SACCO, Umoja SACCO·Inhlangano yokonga nezikweletu · amalungu angu-6,500+
amalungu enkundleni eyodwa
6,500+
ukukhiqiza izabelo-nzuzo zokuphela konyaka
amasonto 2 → izinsuku 2
ngelungu ngalinye
irekhodi 1

Imibuzo abaphathi be-SACCO abasibuza yona

Iyini isofthiwe yokuphatha i-SACCO?
Isofthiwe yokuphatha i-SACCO (ebizwa nangohlelo lokuphatha i-SACCO) iqhuba inhlangano yokonga nezikweletu izungeze amalungu ayo — igcina imali-mboleko yamasheya, ukonga nemali-mboleko kurekhodi elilodwa lelungu, ibeke imikhawulo yokweboleka njengesiphindaphindi sokonga noma samasheya elungu, ilandelele abaqinisekisi nobungozi babo, isekele ikomidi lezikweletu, futhi ibale izabelo-nzuzo zokuphela konyaka. I-Lendbox igcina isimo esiphelele selungu ngalinye — ukonga, amasheya, imali-mboleko nezinsika — endaweni eyodwa, ukuze inhlangano ihlale inembile inobulungiswa.
Ingabe ukonga, amasheya nemali-mboleko yamalungu kungahlala endaweni eyodwa?
Yebo. I-Lendbox igcina ukonga, amasheya, imali-mboleko nezinsika zelungu ngalinye kurekhodi elilodwa, ukuze ithimba lakho libone ngqo ukuthi noma yiliphi ilungu limi kuphi ngaphandle kokuhlanganisa izincwadi ezintathu ezihlukene.
Ingabe singabeka imikhawulo yemali-mboleko njengesiphindaphindi sokonga noma samasheya elungu?
Yebo. I-Lendbox ibala umkhawulo wokweboleka welungu ngalinye kusukela ekongeni nasemasheyeni alo ngokuzenzakalelayo futhi ihlole ukufaneleka ngesikhathi sokufaka isicelo, ukuze umthetho wesiphindaphindi sokonga usetshenziswe ngokuvumelanayo kulo lonke ilungu.
Ingabe iyabalandelela abaqinisekisi bemali-mboleko yamalungu?
Yebo. I-Lendbox irekhoda abaqinisekisi kuyo yonke imali-mboleko futhi igcina isamba sobungozi besiqinisekiso selungu ngalinye sibonakala, ukuze inhlangano namalungu ayo ahlale azi ukuthi ngubani osekela imali-mboleko ezimaphi.
Ingabe ingakwazi ukubala izabelo-nzuzo zamalungu zamasheya ekupheleni konyaka?
Yebo. I-Lendbox ibala izabelo-nzuzo zamasheya nentela yemali efakiwe kusukela kudatha ephilayo yamalungu, yenza ukwabiwa kokuphela konyaka kube okuyikho, okunobulungiswa nokushesha kakhulu kunokukubala ngesandla.
Ingabe amalungu angabona ukonga kwawo, imali-mboleko nezitatimende?
Yebo. I-Lendbox ivumela amalungu ukuba ahlole amabhalansi awo okonga, awamasheya nawemali-mboleko futhi alande izitatimende zawo ngokwawo, okuthi futhi kususe umthwalo wemibuzo yansuku zonke ekhawundeni lakho.
Ingabe iyasekela inqubo yokuvuma imali-mboleko yekomidi lethu lezikweletu?
Yebo. I-Lendbox iqondisa izicelo ekomidini lezikweletu ngolayini ohlelekile nesithombe esiphelele selungu sinamathiselwe, futhi sonke isinqumo siyarekhodwa ukuze kube nomzila wezimvume ohlanzekile ongahlolwa.

Nikeza ilungu ngalinye irekhodi elilodwa elithembekayo

Qala ukulinga kwamahhala kwe-Lendbox bese uqhuba ukonga, amasheya, imali-mboleko nezabelo-nzuzo zamalungu endaweni eyodwa.

Qala ukulinga kwakho kwamahhala

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