Ungaqala Kanjani Ibhizinisi Lobumfihlo E-Kenya.

Kumele ngabe uzitholile wena, kwezinye izimo, esimeni lapho ubudinga imali ngokuphuthumayo ngendlela yemalimboleko.

Ngaleso sikhathi, awukwazanga ukuya ebhange lakho ngoba mhlawumbe unesikweletu esivele sikhona, ubengakhokhi ngemalimboleko, futhi esimweni esibi kakhulu ibhalwe ku-CRB.

Ukufakwa kuhlu ku-CRB kwakusho ukuthi ngeke ukwazi ukuxhumana nanoma yisiphi esinye isikhungo sezezimali, ushiye ibhange lakho lodwa, nganoma yisiphi isikweletu.

Ababolekisi beselula nezinhlelo zokusebenza nazo azange zikwazi ukusiza ngoba usesohlwini lweCRB.

Ngisenesifiso sokwazi ukuthi usenze kanjani lesi simo esikhohlisayo.

Uyabona isimo esifanayo owawukuso ngalolo suku? Yisimo esifanayo leso abantu abaningi baseKenya abazithola bekuso lapho bedinga ukubolekwa imali. 

Kuyathakazelisa ukuthi ukuphela kwendlela onganqoba ngayo lesi sidingo sezezimali ukuthi kube nomuntu ozimisele ukukuboleka imali ngaphandle kokubheka umlando wakho wesikweletu.

Ngoba ake sibhekane nakho uma kungekho sikhungo sezezimali esizimisele ukukuboleka imali eKenya, ngubani ongakwazi? Impela i-shylock!

Uzodinga isibambiso njengokuthi mhlawumbe sakho se- I-TV, ifriji, noma i-microwave… Noma yini enenani lemali ukuthola lezi zimali mboleko.

Lokhu yilokho okubizwa ngebhizinisi lokubolekisa langasese.

Leli bhizinisi likhule kakhulu eKenya kangangokuba manje liphakathi kwamabhizinisi enza inzuzo enkulu eKenya ngo-2024.

Uma unesamba esikhulu semali silele ebhange lakho njengamadiphozithi, ungaqala Ibhizinisi Eliboleka Lizimele ukuze uthole inzalo kulo.

Kukhona amaqiniso ajulile ozodinga ukuwaqonda ngaleli bhizinisi nokho. Lokho kungenxa yokuthi kunendawo empunga eduze kwayo.

Enye yalezi zindawo ezimpunga ngumbuzo wokuthi ngabe ukubolekiswa kwangasese (ibhizinisi lamahloni) kusemthethweni. Masiqhubeke futhi sithole.

Ungaqala Kanjani Ibhizinisi Lokubolekisa Elizimele eKenya (Indawo).

Izidingo zezimali ezicindezela kakhulu ezingase zidinge ukungenelela koMbolekisi Ozimele azibuyeli endaweni ebekiwe.

Balapha edolobheni, lapho konke kukhonjwe khona ngamandla akho wezezimali ngaphandle komoya owuphefumulayo.

Ibhizinisi Lakho Elibolekisa Ngasese lizothuthuka kangcono edolobheni noma endaweni yasemadolobheni kunezindawo zasemakhaya.

Ibhizinisi Eliboleka Inkampani yangasese Kenya (Izidingo).

Nazi eza zona izinto eziyimpoqo zokuphumelela eBhizinisini Elibolekisa Ngasese: -

1. Thola isidingo sokubolekwa ngasese - ungaqhubeki uboleka imali kubantu okungenzeka ukuthi bebengadingi ukungenelela kwakho. Leli ibhizinisi futhi udinga ukuthi uqale ukhombe igebe elisebenzisekayo. Abantu bayohlala banezidingo zezezimali noma kunjalo.
2. Yiba nebhizinisi elivele likhona - ungase ungabi nayo imali eyanele yokuqala isikhungo sezimali ezincane. Udinga ukwazi kahle ukuthi noma yini engaphansi kwesikhungo semali encane ayiqashelwa ngumthetho. Okudingayo ukuze uthuthuke ibhizinisi elihlukile elikhona njengebhizinisi le-elekthronikhi, imisebenzi yokulungisa, nanoma yiliphi elinye ibhizinisi elibhalisiwe. Kusuka lapho lapho uzobe usebenza futhi uqhuba ibhizinisi lakho lokuboleka eliyimfihlo ngomshoshaphansi.
3. Amafomu enkontileka okusalungiswa - noma yikuphi ukubolekwa kwemali okungaphansi kwezinga lemali elincanyana elingabonwa ngumthetho, izinkontileka ezisayiniwe zaziwa ngumthetho ofanayo. Udinga kuphela umuntu ozosayina ifomu lesivumelwano futhi ungammangalela enkantolo yezomthetho futhi uzobe usaphephile, ngaphandle uma kutholakala ukuthi waqola incwadi yokukhwabanisa. Ungawakhi amasiginesha - vumela amaklayenti akho asayine amafomu enkontileka ngokwawo. Amafomu enkontileka ukuphela kwento eyenza isivumelwano phakathi kwakho nomboleki sibophe futhi sibe semthethweni.
4. Thola amanani wenzalo kanye nesamba esiphezulu ongasiboleka - udinga ukunquma ukuthi uzokhokhisa malini emalini oyibolekile maqondana nesikhathi esingakanani. Iningi labantu elibolekisa ngasese linikela ngemalimboleko ngo-10-15% nsuku zonke. Ngokuya ngezimo zakho ezihlukile nezimo zemakethe futhi, nquma izinga ozokhokhisa ngalo inzalo. Udinga futhi ukunquma ukuthi umkhawulo wakho ungakanani, kuya ngokuthi kufanele unikele ngamalini.
5. Nquma okuhlanganisiwe okuvumelekile - noma iliphi iklayenti oliboleka imali lingase lihluleke ukukhokha, kungakhathaliseki ukuthi ulithemba kangakanani. Uzodinga isibambiso lapho beboleka imali, ozoyigcina noma uyidayise uma behluleka, noma ubuyele kubo ngemva kokukhokha imali ebolekiwe nenzalo. Udinga ukunquma ukuthi yiziphi izibambiso ozozithatha, ezingase zihambisane nebhizinisi lakho elikhona njenge-electronics uma usebenzisa isitolo se-electronics. Isibambiso osithathayo kufanele sibe yigugu kakhulu kunenani iklayenti elifuna ukuliboleka, ukuze kuqinisekiswe ukuthi uvikelekile uma kwenzeka liphutha.
6. Imakethe ibhizinisi lakho lokubolekisa langasese - usuvele ukhombe igebe emakethe futhi wazi ukuthi abantu abaningi bazodinga izinsiza zakho zokuboleka ezizimele. Ngomlomo, inkundla yezokuxhumana, nanoma yiziphi ezinye izindlela zasendaweni, thumela izwi lokuthi unikeza lawo masevisi. Yazisa okungenzeka amakhasimende akho ukuthi angeza kuwe uma edinga isevisi ngokulandelayo.

I-Recap:

• Yazisa amaklayenti ukuthi azodinga isibambiso esibaluleke kakhulu kunenani alifunayo.
• Qinisekisa ukuthi amaklayenti asayina amafomu enkontileka ngokwawo.
• Qinisekisa ukuthi amaklayenti ayayiqonda imigomo yesevisi yakho.
• Hlola wonke ama-collater ukuqinisekisa ukuthi asesimweni esihle sokusebenza futhi awanamaphutha ngaphambi kokunikeza iklayenti imali.
• Vumela wonke amaklayenti afakazele ubunikazi bento aletha nayo njengesibambiso (anganikeza amarisidi) ukugwema ukuthi kungenzeka ukuthi yebiwe.
• Njengoba uqala, hlala usendaweni ukugwema idrama eningi.

Udinga malini ukuze uqale ibhizinisi lokubolekisa elizimele eKenya?

Usuvele uqhuba ibhizinisi elihlukile.

Uma une-Ksh. 250,000 - Ksh. 500,000 ngaphezulu elele kuma-akhawunti wakho wediphozi lasebhange, unokwanele ukuba ungene ekubolekisweni kwangasese.

Lizuzisa kangakanani ibhizinisi lokubolekisa elizimele eKenya?

Uma uboleka i-Ksh. 250,000 yakho - Ksh. 500,000 ngezinsuku ezingama-30 unenzalo engu-15% nsuku zonke, ekupheleni kwenyanga ulindele ukuthi iKsh. 1,125,000 - Ksh.2,250,000. Imali yakho ikhule ngo-450% ophelele.

Noma ungakhokhi lonke inani lemali, noma yiliphi inani olibolekayo lizokhula ngo-450% ekupheleni kwenyanga. Kukuphi lapho uhola khona ama-450% emalini yakho, uma kungenjalo ngokubolekiswa kwangasese?

IZwi Lokugcina.

Ukubolekiswa kwangasese kungenye yemisebenzi enenzuzo enkulu eKenya namuhla.

Uma wenza kahle, uzomamatheka ebhange. Uma unemali eyengeziwe ongayigcina, joyina iklabhu, ukhokhe inani, futhi wenze izigidigidi zakho.