Izinga eliphumelelayo: Umqondo nenjongo

Ngesikhathi samanje, isimo sezezimali nezomnotho wombuso sinqunywa ngokuphelele ngesimo sebhange. Ngalesi sizathu, isakhiwo sezimali sezwe kufanele sithuthuke ngezingqinamba ezinhle futhi siqiniseke, futhi singapheli. Lesi sidingo singenakugwemeka, ngoba izikhungo zebhange zakha ukulwa okuphikisanayo ngokuphathelene nomunye, okuhlose ukwandisa isisekelo sezaklayenti. Amabhange namuhla anezinhlobo eziningi zezinhlelo zezinhlelo zezezimali, kokubili amabhizinisi nabantu ngabanye. Okwamanje, isiqondiso esiyisisekelo sezinkampani zebhange sinqunywe ngqo ngokubolekisa, imali engenayo lapho kutholakala khona kuleso sibonakaliso njengezinga lentsha ephumelelayo.

Ukuboleka amafemu kanye nabantu ngabanye kunoma yiliphi ibhange kuyindlela yokuqala yokwenza inzuzo. Kungenxa yalokhu ukuthi ukuhlinzekwa kwemali mboleko yebhange kungumsebenzi oyinhloko. Ukuboleka ngokwayo kungenziwa ngokulandela izinhlelo nezinkomba ezihlukene: izikweletu zemali zabathengi , izikweletu zokuthenga izindlu, izikweletu zebhizinisi njalonjalo.

Izikhungo zebhange ziheha amaklayenti abo ngezindlela ezihlukahlukene kanye namasheya, kufaka phakathi: amanani entengo ephansi kanye nezindleko zenzalo eziphumelelayo. Ngaphezu kwalokho, amabhange ngokuvamile anikela ngemali mboleko engenasithakazelo, amashejuli akhululekile kanye nezinketho zangempela zokukhokhelwa kwemali emuva. Ezimweni eziningi, lezi zindlela zokumaketha ziyiqhinga elivamile lezinhlangano zezezimali, ngoba akekho oyosebenza ekulahlekelweni. Ngakho-ke, kubonakala sengathi izinga elihle emalimboleko liqinisekile ukuletha imali ebhange.

Ngisho noma inzalo emalimboleko ingaphansi kakhulu noma ikhona imali engenayo inzalo, ibhange liyothola inzuzo kuzo zonke izinhlobo zemali yamakhasimende.

Yingakho wonke amaklayenti kufanele azi ukuthi ukubheja okuphumelelayo kuyini. Uma lowo obolekisayo engenalo ulwazi olwanele namakhono okubalwa, khona-ke lesi sibonakaliso kufanele sibalwe ngumchwepheshe wezikweletu uma uxoxisana ngemigomo yemalimboleko.

Isilinganiso senzalo esisebenzayo siyinani eligcwele lekhredithi eliqukethe, ngaphezu kwezinga lesithakazelo esikhombisayo, izindleko ezihambisana nokucubungula kanye nokuhlinzeka ngemali mboleko. Ngokusekelwe kumthetho waseRashiya, kusukela ngoJulayi 2007, zonke izikhungo zebhange kumele zinikeze ababolekisi ngokubala kwesilinganiso senzalo esisebenzayo ngesikweletu. Kumaklayenti esikhungweni sebhange, lokhu kuyasiza ngoba kungenzeka ukuthi uhlole ngempela ukukhokhelwa okuphezulu okuzayo. Kukhona inamba enkulu yokuhluka ekubalweni kwezinga lesithakazelo esisebenzayo. Abasebenzisi beWebhu Yezwe Lomhlaba banikezwa ithuba lokulibala ngokusebenzisa i-calculator ekhethekile ebekwe kuma-portals amabhange. Ukuze uthole ukubala okuphelele, udinga ukwazi zonke izinkomba zokukhokha okudingeka ukhokhe isikhathi sokubheka. Izinga eliphumelelayo lesikhathi esigcwele semalimboleko sisatshalaliswa futhi sibonakala ngephesenti lemali yesibolekiso.

Ngaphambi kokuba ikhredithi ikhishwe, lowo obolekayo kufanele afunde ngokucophelela wonke amaphuzu nemibandela yesivumelwano somboleko, futhi ikakhulukazi isigaba esibhekene nesilinganiso senzalo esisebenzayo. Ngeke kube yinto engafanele ukuxhumana nabantu abasebenza ngesikhathi esisodwa namabhange ambalwa ukuze enze okulungile.

Kungokwemvelo, hhayi kubo bonke ababolekayo, isilinganiso senzalo esisebenzayo yisisombululo esiyinhloko sokukhetha ibhange. Ababolekisi abaningi banikela izintandokazi kumabhange anokwethenjelwa futhi athembekile anedumela elifanele, ngisho naphezu kwesilinganiso senzalo ephezulu.