Tappwa
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Mayelana nalolu hlelo lokusebenza
Izikhungo zezezimali (Amabhange Nemishwalense) zidlala indima ebalulekile ekwakheni imisebenzi yezohwebo. Kwezomnotho zaseKynnesia, ukuqashwa kuncike ekufuneni okusebenzayo. Kukhona okubili kokunquma kwesidingo esisebenzayo: Ukutshalwa Kwezimali kanye Nokusetshenziswa. Ngakho-ke kungukusebenza okusemandleni kwezimali okubamba iqhaza elibalulekile ekutholeni izinga leholo kanye nokuqashwa kwanoma yiliphi izwe.
Ngaphandle kokushintshela komhlaba wonke ekubandakanyeni kwezezimali okunomthwalo wemfanelo, kusekhona ukwehluka okukhulu okwehlukahlukaneni, ikhwalithi, nokusetshenziswa kwezinsizakalo zezezimali ezitholakala emakethe, nabantu abadala abayizigidi eziyizinkulungwane ezimbili abasele bengenakho ukufinyelela (i-Klapper 2015). Abantu abampofu nabahola kancane — ikakhulukazi abesifazane, intsha kanye nalabo abahlala ezindaweni zasemakhaya — yibona abakhishwe inyumbazana futhi kumele bathembele ezindleleni ezingathembekile ezingathenjwa futhi kaningi ezibiza kakhulu ukuphatha izidingo zabo zezezimali. Ngasikhathi sinye amabhizinisi amancane, amancane naphakathi (ama-MSMEs), amaningi awo ayingxenye yomnotho ongakahleleki, anqunyelwe amandla awo okusimamisa nokukhulisa amabhizinisi abo ngenxa yokushoda kwemali yokusebenza. Amaphesenti angama-70 ama-MSME emazweni asathuthuka awanakho ukufinyelela ezinsizakalweni zezezimali ezisemthethweni, kanti ukungahleleki kube yisithiyo esikhulu (uStein, uGoland, noSchiff 2012).
Ngakho-ke ikhono lokungakhokhelwa futhi elingasebenzelwa kahle ukuthola izinsizakalo ezifanele zezezimali ezinikezwa ngokuzibophezela nangokusimama ezinikezwa izikhungo ezisemthethweni zezimali ukuze kuzuzwe ukufakwa kwezezimali emhlabeni jikelele kanye nezinhloso ezihambisanayo zokuthuthukisa ezomnotho nezomnotho - kungumsebenzi wethu.
Sakha izixazululo zamakhasimende futhi siwanike amandla ngemikhiqizo yethu - elula ukusebenzisa Izicelo zeselula (Izinhlelo Zokusebenza) zamalungu omphakathi asebenzayo futhi akhiqizayo; ngentuthuko yabo yezomnotho nenhlalakahle.
I-KYC nokuzikhandla okufanele kuyisisekelo sebhizinisi lethu.
Ikhono lethu lokufunda kahle izidingo zamakhasimende liza ngokwemvelo. Siyakwazi ukufunda ukuthi imakethe ifunani ngokuzwelana namakhasimende bese sakha umkhiqizo ohambelana nezidingo zawo.
Silalele ababambiqhaza bethu futhi sizohlangabezana nezidingo zabo.
Izinsizakalo zezezimali zabantu abangabhange / abakhonzwayo nabangaphansi kwamabhange / abakhonzwayo.
Kusasa kuzoba ngcono. Uhambo lokuguqula izimpilo namabhizinisi seluqalile.
Ukutholakala kwezinsizakalo zezezimali eziphelele kubantu abangaphezu kwezigidi ezintathu (3) emhlabeni okwamanje abangabhalisiwe / abakhonzwayo nabangenayo imali / abahlinzekwayo kungenzeka.
Sivusa ukubamba iqhaza okubanzi komthengi emkhakheni wezezimali; zombili izinsizakalo zezezimali ezincane kanye nezinsizakalo ezincane ziyizidingo eziyisisekelo zaso sonke isintu.
Ngakho-ke siqhutshwa yisidingo sokusiza ekwenzeni ngcono amazinga okuphila iningi labo okwamanje abangekho esimweni sokusebenzisa lezi zinsizakalo ngokugcwele.
Indlela eya enjabulweni yezezimali ilele ekulandweni nasekusetshenzisweni kwalolu hlelo lokusebenza olulula lwe-TAPPWA.
Imikhakha Engakahleleki kanye nobuchwepheshe beselula: Ngamaphesenti angaphezu kwamashumi ayisikhombisa nanhlanu wabantu asebenzayo nabakhiqizayo bamazwe asathuthuka abaqashwe emikhakheni engakahleleki yezomnotho, kanye nangaphezulu kwama-Smartphone angama-3 Billion asetshenziswayo; sisiza abahlinzeki bezinsizakalo zezimali abahlelekile ukufinyelela nokusebenzela lawa makhasimende.
Ngaphandle kokushintshela komhlaba wonke ekubandakanyeni kwezezimali okunomthwalo wemfanelo, kusekhona ukwehluka okukhulu okwehlukahlukaneni, ikhwalithi, nokusetshenziswa kwezinsizakalo zezezimali ezitholakala emakethe, nabantu abadala abayizigidi eziyizinkulungwane ezimbili abasele bengenakho ukufinyelela (i-Klapper 2015). Abantu abampofu nabahola kancane — ikakhulukazi abesifazane, intsha kanye nalabo abahlala ezindaweni zasemakhaya — yibona abakhishwe inyumbazana futhi kumele bathembele ezindleleni ezingathembekile ezingathenjwa futhi kaningi ezibiza kakhulu ukuphatha izidingo zabo zezezimali. Ngasikhathi sinye amabhizinisi amancane, amancane naphakathi (ama-MSMEs), amaningi awo ayingxenye yomnotho ongakahleleki, anqunyelwe amandla awo okusimamisa nokukhulisa amabhizinisi abo ngenxa yokushoda kwemali yokusebenza. Amaphesenti angama-70 ama-MSME emazweni asathuthuka awanakho ukufinyelela ezinsizakalweni zezezimali ezisemthethweni, kanti ukungahleleki kube yisithiyo esikhulu (uStein, uGoland, noSchiff 2012).
Ngakho-ke ikhono lokungakhokhelwa futhi elingasebenzelwa kahle ukuthola izinsizakalo ezifanele zezezimali ezinikezwa ngokuzibophezela nangokusimama ezinikezwa izikhungo ezisemthethweni zezimali ukuze kuzuzwe ukufakwa kwezezimali emhlabeni jikelele kanye nezinhloso ezihambisanayo zokuthuthukisa ezomnotho nezomnotho - kungumsebenzi wethu.
Sakha izixazululo zamakhasimende futhi siwanike amandla ngemikhiqizo yethu - elula ukusebenzisa Izicelo zeselula (Izinhlelo Zokusebenza) zamalungu omphakathi asebenzayo futhi akhiqizayo; ngentuthuko yabo yezomnotho nenhlalakahle.
I-KYC nokuzikhandla okufanele kuyisisekelo sebhizinisi lethu.
Ikhono lethu lokufunda kahle izidingo zamakhasimende liza ngokwemvelo. Siyakwazi ukufunda ukuthi imakethe ifunani ngokuzwelana namakhasimende bese sakha umkhiqizo ohambelana nezidingo zawo.
Silalele ababambiqhaza bethu futhi sizohlangabezana nezidingo zabo.
Izinsizakalo zezezimali zabantu abangabhange / abakhonzwayo nabangaphansi kwamabhange / abakhonzwayo.
Kusasa kuzoba ngcono. Uhambo lokuguqula izimpilo namabhizinisi seluqalile.
Ukutholakala kwezinsizakalo zezezimali eziphelele kubantu abangaphezu kwezigidi ezintathu (3) emhlabeni okwamanje abangabhalisiwe / abakhonzwayo nabangenayo imali / abahlinzekwayo kungenzeka.
Sivusa ukubamba iqhaza okubanzi komthengi emkhakheni wezezimali; zombili izinsizakalo zezezimali ezincane kanye nezinsizakalo ezincane ziyizidingo eziyisisekelo zaso sonke isintu.
Ngakho-ke siqhutshwa yisidingo sokusiza ekwenzeni ngcono amazinga okuphila iningi labo okwamanje abangekho esimweni sokusebenzisa lezi zinsizakalo ngokugcwele.
Indlela eya enjabulweni yezezimali ilele ekulandweni nasekusetshenzisweni kwalolu hlelo lokusebenza olulula lwe-TAPPWA.
Imikhakha Engakahleleki kanye nobuchwepheshe beselula: Ngamaphesenti angaphezu kwamashumi ayisikhombisa nanhlanu wabantu asebenzayo nabakhiqizayo bamazwe asathuthuka abaqashwe emikhakheni engakahleleki yezomnotho, kanye nangaphezulu kwama-Smartphone angama-3 Billion asetshenziswayo; sisiza abahlinzeki bezinsizakalo zezimali abahlelekile ukufinyelela nokusebenzela lawa makhasimende.
Kubuyekezwe ngo-
Ukuphepha kuqala ngokuqonda ukuthi onjiniyela baqoqa futhi babelane kanjani ngedatha yakho. Ubumfihlo bedatha nezinqubo zokuphepha zingahluka kuye ngokusebenzisa kwakho, isifunda, nobudala. Unjiniyela unikeze lolu lwazi futhi angalubuyekeza ngokuhamba kwesikhathi.
