Ngenxa yokufumana ulwazi lwehlabathi, inkqubo yokutshintshiselana ngedatha phakathi kweenkampani zemali ikhutshiwe. Kunye nokuvela kwesi sisa esinjenge-BKI senza ukuba sikwazi ukwandisa ukusebenza kakuhle kokuboleka. Intsebenziswano epheleleyo yabathengi abaneebhanki ezidumileyo namhlanje kunokwenzeka kuphela ukuba kukho igama leshishini elifanelekileyo. Ukunqongophala kwembali yamatyala ayisiyo isalathi sobusiko obolekayo, kwaye, kwaye, ngokuchasene noko, sikhonza njengesizathu sokwala imali. Ungayilungisa njani imeko?
Inombolo ye-1: "MFO Uncedo"
Le ndlela iya kubalinganisa abo babodwa abakulungele ukusebenzisana ne-MFIS. Imibutho enjalo yamkela izicelo zemali mboleko zombini nakwiiofisi zabo. Ukulungiswa kokude namhlanje kuyathandwa kakhulu kuba ivumela konke ukusebenza ngaphandle kokushiya indlu. Imeko esisiseko yokuthenga ngempumelelo kukufumaneka kwe-Intanethi.Olu hlobo lokuxhasa ngemali lulungile ngoba:
- Akuthabathe ngaphezulu kweyure;
- Ukusebenzisa iinkonzo ze-MFIS kungasetyenziswa kuyo nayiphi na indawo yelizwe;
- Iimeko ezibolekayo zenziwa lula kangangoko (akukho nto ifunekayo kumbolekisi, ngaphandle kwepasipoti);
- Imali inokufakwa kwimvume kwisicelo somthengi ekhadini, okanye i-wallet ye-elektroniki, okanye ithunyelwe enye yeenkqubo ze-trantaneaneus (kuxhomekeke kukhetho lwenkampani ekhethiweyo);
- Nditsho nabathengi abangenayo nayiphi na ingeniso esisigxina banokuthatha ithuba lemali mboleko kwi-intanethi, okanye akukho thuba lokuqinisekisa ukufumana iziqinisekiso ezivela kwi-akhawunti.
Kubalulekile: Ukwenzela ukuba imbali yetyala, kuyimfuneko ukuba siye ekukhetheni kwimali mboleko ye-intanethi kangangoko kunokwenzeka. I-Central Bank inyanzelisa yonke imibutho yemicrofinance efakiweyo kwirejista, ingenisa ulwazi kwi-BKA. Ukuba inkampani oyikhethayo ayikho kuluhlu oluchaziweyo, kungcono ukwala ukuthengiselana.
Inombolo yokhetho 2: "Umda weKhadi leKhowudi"
Imalunga nendlela enjalo yokuxhasa ngemali, njenge-banknote canknote. Olu hlobo lokubolekisa lulingana nemali mboleko esemgangathweni, kuba ulwazi malunga nolwazi olunjalo lubonakalisiwe kwingxelo ye-BKA.
Amakhadi etyala ayafumaneka phantse wonke umntu. Ukuze ufumane imali, obolekayo kufuneka athobele iikhrayitheriya ezithile. Kukho ithuba lokuba ungasebenzi njengekhadi leplastiki kwibhanki enkulu ukusuka kwixesha lokuqala. Kule meko, kuyavakala ukunxibelelana nombutho omncinci. Ukwenza lula inkqubo yokuzikhethela, iingcali zikhethe amakhadi okuthenga ngetyala kwaye wazibandakanya kulawulo olukhethekileyo.
Phakathi kwezibonelelo zolu hlobo lokuboleka:
- ubukho bexesha lobabalo;
- ilungelo lokusebenzisa kuphela icandelo leemali;
- Isakhono sokusindisa, enkosi kwinzala ekhethekileyo.
Kakhulu, inani lokuqala liya kuba lincinci. Nangona kunjalo, ukuba usebenzisa "iKhadi letyala" rhoqo, kwaye kucima amatyala, i-Bhanki iya konyusa umda. Isibheno esicwangcisiweyo kwizibonelelo zenkampani siya kukuvumela ukuba wenze ngokukhawuleza imbali yamatyala.
Inombolo ye-3: "Iibhanki ezinobuhlobo"
Ukuba akunyanzelekanga ukuba ubalekele kwinkolelo yeenkampani ezinkulu zetyala, ungazama ukwenza imali mboleko kwiBhanki encinci. Amaziko anjalo asebenza ngokuthathayo isiseko sabathengi, kwaye kunokuba sinyaniseke amaxesha amaninzi. Ukunqongophala kwembali yetyala yenye yazo. Eyona nto inokwenzeka, imali evunyiweyo iya kuba incinci, kodwa kamva, ukuba intlawulo iya kuqhubeka ngaphandle kwe-overdee, umthengi ulindele ukuba kubekho imali yokhetho olukhethiweyo.Inombolo ye-4: "Ukuthenga okungathandabuzekiyo kuthenga ngokungathandabuzekiyo"
Enye indlela esebenzayo yokwenza imbali yokuthenga ngetyala kukuyila iimali mboleko zokuthengwa kweempahla kwiivenkile, i.e. Imali mboleko yentengiso. Le yeyona ndlela ilula kwaye ikhawulezayo yokufumana imali oyifunayo. Izivumelwano zigqityiwe ngabasebenzi beebhanki ezidumileyo kwiindawo zokuthengisa. Amaxesha okuphehlelela ezo ntengiselwano, njengomgaqo, ungagqithi kwiinyanga ezili-12.
Eyona nto iphambili kwimali mboleko yorhwebo kukuba ukufezekisa iziphumo ezifunwayo, kwanele ukuthenga into engabizi kakhulu. Eyona nto iphambili kuyo intlawulo yenziwe ngendlela yexesha elifanelekileyo kwaye igcwele.
Inombolo yesi-5: "Uguqulelwe utshintshiselwano"
Iibhanki ziyabaxabisa abathengi abangakhathaliyo baqinisekisa iinjongo zabo ezinzulu ngezenzo ezithile. Kwaye ukuba ukulungele ukunika ipropathi ebalulekileyo, kunokuchaphazela kakhulu isigqibo senkampani yetyala. Izithuthi zihlala zithathwa ngendlela enokwenzeka. Izinto zezakhiwo zezakhiwo zifakwe kangako, kuba zikhona iimfuno ezintle zovavanyo lwabo.
Kwaye ekugqibeleni : Ungavavanyi "zonke izinto ezingentla kwangaxeshanye. Ityala ngalinye lokubhena kwiziko letyala libhalwa kwingxelo ye-BKA, kwaye izenzo zakho zisenokungakhokelela kwisiphumo sokuba ulindele.