Ngenxa ye-Global Informatatization, inqubo yokushintshaniswa kwedatha phakathi kwezinkampani zezezimali isheshisiwe kakhulu. Futhi ukuvela kwesakhiwo esinjenge-BKI kwenza ukuthi kwenzeke ukwandisa ukusebenza kahle kokuboleka. Ukubambisana okugcwele kwamakhasimende anamabhange adumile namuhla kungenzeka kuphela uma kunedumela lebhizinisi elihle. Ukuntuleka komlando wesikweletu akuyona inkomba yokuhlonishwa kombolekisi, futhi kwangathi, kunalokho, akhonze njengesizathu sokwenqaba imali. Ungasilungisa kanjani isimo?
Inombolo Yenombolo 1: "MFO USIZO"
Le ndlela izohambisana nalabo ababolekisi abalungele ukusebenzisana nama-MFIS. Izinhlangano ezinjalo zamukela izicelo zemalimboleko ye-inthanethi nakumahhovisi abo. Ukulungiswa okukude namuhla kuthandwa kakhulu ngoba kuvumela yonke imisebenzi ngaphandle kokushiya indlu. Isimo esiyisisekelo sokuthengiselana okuphumelelayo ukutholakala kwe-Intanethi.Lolu hlobo lwezimali luhle ngoba:
- Kuthatha isikhathi esingaphezu kwehora;
- Kusetshenziswa izinsizakalo ze-MFIS zingasetshenziswa kunoma yisiphi isifunda sezwe;
- Izimo zokubolekwane zenziwa lula ngangokunokwenzeka (akukho lutho oludingekayo kusuka kumbolekisi, ngaphandle kwepasipoti);
- Imali ingafakwa esicelweni seklayenti ekhadini, isikhwama se-elekthronikhi, noma ihanjiswe enye yezinhlelo zokuhumusha ezisheshayo (ngokuya ngezinketho ezinikezwa yinkampani ekhethiwe);
- Ngisho namakhasimende angenayo imali engenayo engasebenzisa imali mboleko eku-inthanethi, noma alikho ithuba lokuqinisekisa imali etholwayo ezitimeleni ezivela kwi-accounting.
Kubalulekile: Ukuze wakhe umlando wesikweletu, kuyadingeka ukuthi usondele ekukhetheni imalimboleko online ngangokunokwenzeka. I-Central Bank iphoqa zonke izinhlangano ze-microfinance ezifakwe ebhukwini, ziletha imininingwane ku-BKA. Uma inkampani oyikhethayo ingekho ohlwini olucacisiwe, kungcono ukwenqaba ukuthengiselana.
Inketho yenombolo 2: "Umkhawulo wekhadi lemali"
Imayelana nendlela yokuxhasa ngezimali, njenge-banknote banknotes. Lolu hlobo lokuboleka lulingana nemalimboleko ejwayelekile, ngoba imininingwane mayelana nokuthengiselana okunjalo nayo iboniswa embikweni we-BKA.
Amakhadi wesikweletu atholakala cishe kuwo wonke umuntu. Ukuze uthole imali, obolekayo kufanele ahambisane nenqubo ethile yobudala. Kukhona ithuba lokuthi ngeke usebenze njengekhadi lepulasitiki ebhange elikhulu kusukela okokuqala. Kulokhu, kunengqondo ukuxhumana nenhlangano encane. Ukwenza lula inqubo yokuzikhethela, ongoti abakhethwe amakhadi wesikweletu amahle kakhulu futhi bawaqoqa kwisikhombi esikhethekile.
Phakathi kwezinzuzo zalolu hlobo lokuboleka:
- ukuba khona kwesikhathi somusa;
- ilungelo lokusebenzisa ingxenye yemali kuphela;
- Amandla okusindisa, ngenxa yenzuzo ekhethekile ebonakalayo.
Ngokunokwenzeka, inani lokuqala lizoba lincane. Kodwa-ke, uma usebenzisa "ikhadi lesikweletu" njalo, futhi isikweletu esifike ngesikhathi, ibhange lizokhulisa umkhawulo. Isikhalazo esihlelekile kwizinsizakusebenza zenkampani zizokuvumela ukuthi wakhe umlando wesikweletu ngokushesha.
Inketho yenombolo 3: "Amabhange Anobungane"
Uma kungadingeki ukuba uthembele ekutholeni izinkampani ezinkulu zezikweletu, ungazama ukwenza imali mboleko ebhange elaziwa kancane. Izikhungo ezinjalo zisebenza ngenkuthalo ukwandisa isisekelo seklayenti, futhi kunalokho bheka kahle izikhathi eziningi. Ukuntuleka komlando wesikweletu kungenye yazo. Ngokunokwenzeka, inani elivunyiwe lizoba lincane, kepha ngokuhamba kwesikhathi, uma ukukhokha kuzokwenzeka ngaphandle kokuncipha, iklayenti lilindele izimo ezikhethekile zezimali kanye nomkhawulo okhulisiwe.Inketho yenombolo 4: "Ukuyothenga okuwusizo
Enye indlela ephumelelayo yokwenza umlando wesikweletu ukuklama imalimboleko yokuthengwa kwezimpahla ezitolo, i.e. Imalimboleko yezimpahla. Le inketho elula kakhulu futhi esheshayo yokuthola inani oyifunayo. Izinkontileka ziphothulwa ngabasebenzi bamabhange adumile ezindaweni zokuthengisa. Ama-Times ezethulo zokuthengiselana okunjalo, njengomthetho, ungangeqi izinyanga eziyi-12.
Inzuzo eyinhloko yemalimboleko yezimpahla ukuthi ukufeza umphumela oyifunayo, kwanele ukuthenga okuthile okungabizi kakhulu. Into esemqoka ukuthi inkokhelo yenziwa ngesikhathi esifanele futhi igcwele.
Inketho yenombolo 5: "Ukuthengiselana"
Amabhange ayawazisa amakhasimende angacabangi aqinisekise izinhloso zawo ezibucayi ngezenzo ezithile. Futhi uma usukulungele ukunika isibambiso impahla ebalulekile, kungathinta kakhulu isinqumo senkampani yesikweletu. Izimoto zivame ukuthathwa ngangokunokwenzeka. Izinto zezezaziso zithengwa kakhulu kaningi, ngoba kunezidingo ezinhle kakhulu zokuhlola kwazo.
Futhi ekugcineni : Ungahloli "zonke izinketho ezingenhla ngasikhathi sinye. Icala ngalinye lesicelo esikhandulweni sesikweletu libhalwe embikweni weBKA, futhi izenzo zakho zingahle zingaholeli embanjeni olindele.