Imibutho yamatyala kunye neebhanki ziya kuba ngakumbi nangakumbi, ke ngoko umsebenzi womphathi wetyala uye wakhula ngakumbi kwaye uyathandwa ngakumbi. Indawo yokuboleka ifikelelekile ukuba ngoku kwiTyala unokuthatha phantse yonke into. Ke thanga indawo yokuhlala, iimoto, izixhobo zekhaya, ifenitshala, kwaye oku kuthetha ukuba iingcali azidingeki kwi-bhanki, kodwa nakwiivenkile zemoto, kwifanitshala yegumbi lokubonisa.
Umphathi kufuneka abe nobuthathaka kwaye unobuhlobo, kuba umsebenzi wakhe kukubonelela ngeemveliso zetyala kubabolekisi.
Ngubani umphathi wetyala?
Umphathi obolekayo yingcali ekhuthaza, itsala kwaye ikhuphe imboleko mali. Ibhanki nganye ineenkqubo ezininzi zetyala kwi-arsenal yayo, ukusuka kwezona zifikelelekayo zibaluleke kakhulu. Ke ngoko, iingcali zifuna amanqanaba ahlukeneyo. Unokufumana umphathi wemali mboleko ngaphandle kwamava, phantse yonke ibhanki enkulu ineenkqubo zayo zoqeqesho.
Izibonelelo kunye nokungalunganga komsebenzi
Nakuphi na ukukodwa kukodwa, inkangeleko yayo. Umphathi wentengo yekhredithi akakho ngaphandle, kuyacaciswa kwaye ayinakuphuma nomntu wonke.
Iluncedo.
- Ithuba lokufumana umsebenzi ngaphandle kwamava. Iibhanki ezininzi ezinkulu zineenkqubo zazo zoqeqesho, i-Internnstors, iikhosi zoqeqesho eziphezulu, emva kokuphela kwengcali enokuthi iqale ukusebenza okanye isebenze.
- Ithuba elihle lokukhawulezisa ukuqhubela phambili izitepsi zamakhondo kwicandelo lebhanki. Ukuba uyasebenza, unobuhlobo, uyayazi indlela yokuba abathengi abathengi, kuya kukuvumela ukuba ufumane ngokukhawuleza ufike.
- Kunokwenzeka Uqeqesho oluqhubekayo.
- Umvuzo ophezulu ngokusebenza kakuhle kwendlela yokusebenza. Ukongeza, kwimibutho emikhulu, abasebenzi banikwa ithuba lokusebenzisa iibhonasi zenkampani kunye neemeko ezizodwa xa zikhupha iikhredithi zeemfuno zazo.
Ukungancedi emsebenzini.
- Isidingo sokunxibelelana kakhulu. Asingabo bonke abantu abanokumelana nezinto ekufuneka bachaze into yonke imihla kwabanye abantu, bazidibanise kwincoko.
- Inqanaba eliphezulu loxinzelelo enxulumene nonxibelelwano nabantu, kunye nemfuno yokufezekisa isicwangciso senyanga.
- Ukuxhomekeka kuxhomekeke ekuphunyezweni kwesicwangciso . Ingeniso yakhe ixhomekeke kwimisebenzi yengcali. Ingaphezulu kakhulu ukuba umphathi urhoxise imbuyiselo kwaye athengise iimveliso ezinxulumene ne kwaye aphantsi - ukuba isicwangciso esithile senziwe.
Iimpawu ezifunekayo
Umphathi womsebenzi kukubonelela ngeenkqubo zetyala ukuze zithengiwe. Ezi zithengiswa zeemveliso zebhanki, ke kufuneka ube nentetho entle, ubenakho ukusebenza kunye nezichaso ukuba incoko ayihambi ngokwesicwangciso. Inkangeleko apha ilele kwindima yokugqibela. Ingcali kufuneka ityhutyha inxitywe, ihlaziyiwe kakuhle kunye nentetho enobubele.
Lo msebenzi wokuboleka kwemali mboleko uya kuwalinganisa abantu abaselula abanenjongo yokunxibelelana ngokukhululekileyo nabantu abangaqhelekanga. Kule msebenzi, uyakufuna iimpawu ezinje:
- uxinzelelo loxinzelelo;
- Ukunxibelelana;
- inkoliseko;
- umonde;
- unyamezelo;
- ukukwazi ukuphatha imeko;
- ukufika ngexesha;
- UMSEBENZI OWENZELAYO, INJONGO, Umnqweno wokufumana umvuzo, kuba umvuzo ngqo ngqo kwinani lemali mboleko;
- Amandla okungavumi.
Umphathi we-Ughscale ubonakaliswa ngokulandela inkqubo yencoko, uyakwazi ukuphendula ngokusilela kwabathengi kwaye uguqulele incoko ukuya kwelinye icala.
Abaphathi abangenamava bahlala belahlekile, kwaye beva "hayi" kumthengi, kodwa ziqhubeka nokunyanzelwa, nto leyo ebangela ukucaphukisa. Kwaye oku kuchaphazela udumo lweziko.
Uxanduva
Zonke iimbopheleleko zomqeshwa zibhaliswe kwinkcazo yomsebenzi yeziko apho isebenza khona. Iphuhlisa iziko ngokwalo, ke ziya kwahluka ebhankini nakwigumbi lokubonisa Ukanti, imisebenzi yomphathi wemali mboleko kwimibutho eyahlukeneyo iya kufana.- Ukubhaliswa kwezivumelwano zemali mboleko kunye nentengiso yeenkonzo ezinxulumene noko. Iinkonzo ezinxulumene nazo zibandakanya iintlobo ezahlukeneyo zeinshurensi.
- Ukudibana kwabathengi kunye nokuchaza imiba yokuthenga ngetyala.
- Ukuquluzwa kweengxelo ngeenyanga, iikota kunye nokubonelela ngobunkokeli babo.
Ukongeza, kwinkqubo yomsebenzi, umphathi Kufuneka benze onke amaxwebhu ayimfuneko, ukudubula iifotokopi kwaye uqiniseke ubunyani bazo. Abaphathi bongeza amakhadi, jonga imbali yetyala lomthengi, amathuba okukhupha imali mboleko, icele yonke idatha yoyilo lwayo.
Iimfuneko
Kwinkqubo yomsebenzi, ingcali kufuneka ifezekise ezi mfuno zilandelayo:
- Qinisekisa ukuba akukho zimpazamo zingafakwanga xa kusenziwa amaxwebhu;
- nxibelelana ngentlonelo nabathengi;
- Ukuthobela uMmiselo wangaphakathi wombutho;
- Ukuthobela ikhowudi yokunxiba, kwaye ukuba iyafuneka, inxibe imiqondiso yomehluko;
- Qenisa iindlela zokhuseleko nokukhusela umlilo.
Indawo yomsebenzi
Abaphathi bemali mboleko ayadingeka kungekuphela nje kwiibhanki, kodwa nakwiminye imibutho ethengisa nayiphi na impahla ngetyala okanye kwizahlulo. Imisebenzi ephambili.
- Ukuthengisa iimoto ezinkulu yingcali kwimali mboleko yemoto, i-inshurensi. Ingcali enjalo ibandakanyeka kuyilo lweemoto ngetyala kunye ne-inshurensi.
- Iarhente yendlu yokuthengisa izilwanyana-Umphathi we-Mure. Ubandakanyeke kuyilo lwelifa lokuthengisa, kunceda ukukhetha ezona zibonelelo zebhanki.
- Imibutho yemicrofinance yingcali yokukhupha iimali mboleko. Zininzi imibutho enjalo ngoku, zikhupha imicrocredit yexesha elifutshane.
- Ingcali ekusebenzeni nasekusebenzeni kwetyala ebhankini.
- Ii-hypermarks zezinto zombane zasekhaya kunye ne-elektroniki.
- Ifanitshala yefanitshala.
- I-SALONS SEFN.
Umsebenzi womphathi wentengo yekhredithi onesifo sentengo funa iimpawu ezihambahambayo kunye namandla aphezulu. Eyona nto iphambili kwimpumelelo yengcali yokuboleka luthando lomsebenzi wakho kunye nokuzaliseka ngokucacileyo kwazo zonke iimfuno kunye neemfuno.
