Ukuqokelela amatyala enkundleni: iingcebiso zengcali, imbono yabatyala

Kunzima ukufumana ishishini okanye intlangano apho kungekho mntu uhlawulwa nantoni na. Ngelishwa, amaqabane amashishini kunye nabaxhasi maxa wambi aziphathekanga kakuhle kwaye akafezekisi izibophelelo zabo. Iibhanki ngokubanzi ibali elihlukeneyo: behlala benamatyala kwaye oko bekuhlala njalo, kwaye emva kobunzima be-2008 babonakala kwinani elikhulu.

Ekuqaleni, izakhiwo zezezimali zazama ukulungisa iingxaki ezingekho kwiintlawulo ngokwazo (ngocingo lweefowuni, iileta), ngoko, ngokuqaphela ukuba lo msebenzi wawungasebenzi, baqala ukutsala i-arhente yokuqokelela. Ekugqibeleni, kuphela indlela eyaphuma kwiimeko ezininzi ukuqokelela ityala enkundleni.

Kwibhanki, lolu hlobo lwenkqubo yokubuyiselwa kwamatyala, nangona kungengona elula kakhulu, kodwa ubuncinane, ifikeleleke. Emva koko, zonke iziko zezemali zinabasebenzi bamavosa abanekhono abangenakwenza ibango kuphela, kodwa balilondoloze enkundleni. Ukuba umbolekisi ungumbutho omncinci okanye umntu ngokubanzi, kuye okokukhethwa kukho kungabonakala kunzima. Uncedo ekuxazululeni le ngxaki yezemali inokunceda inkonzo yokuqokelela ityala (i- arhente yokuqokelela ), ngoku iyaninzi kumarike. Abaqeshwa baloo nkampani basebenze kuzo zonke izigaba, ukusuka kumakholi e-fowuni, iincwadi kunye nokutyelela kwindlu (eofisini) ukuya kumntu ochasayo, kunye nokuphelisa ukuhanjiswa enkundleni.

Kwezinye iimeko, xa umbolekisi engenawo ixesha 'lokucima' ityala, umboleko ungathengiswa kubaqokeleli abafanayo, nangona befumana imali encinci, kodwa ngokukhawuleza. Kwaye baya kuthi baqokelele amatyala abo ngokwabo ukuze bafumane imali yabo baze bafumane.

Ukuba ibhanki yenza njengomboleki, ukuqokelelwa kwamatyala enkundleni akunakwenzeka ngokukhawuleza. Ekuqaleni ingxaki izama ukuxazululwa ngoxolo, ukufumana isizathu sokulibaziseka kwentlawulo kunye nokuzama ukusebenzisa impembelelo yengqondo. Oku kubangelwa ukuba ukubuyiswa kwamabango yinto enokude kwaye yindleko enzima (kuya kubakho ukuhlawula umsebenzi welizwe, umsebenzi wegqwetha, mhlawumbi kunye neemviwo zengcali ukuba inkundla ibonyula). Ekugqibeleni, unokufumana ukwenqaba, kuya kwenzeka.

Kodwa, nangenkundla yesigwebo, umbolekisi akahlali ephethe imali. Kwimeko apho ukuqokelelwa kwamatyala enkundleni kuqhutywa, imiphumo emihle ixhomekeke kumsebenzi wabaqhubi belizwe. Yiyo le nkonzo eya kuqhuba uphando kunye nokuthengwa kwepropati, ngeendleko apho kuya kukwazi ukunelisa zonke iimangalo zemboleko. Ukususela kumntu onamatyala maxa wambi akukho nto inokuyithatha, ngoko kuya kuvela ukuba kukho isigqibo sokuqokelela, kodwa akukho nto ivela kuyo.

Ngakolunye uhlangothi, inyaniso ayisoloko isecaleni lomboleki. Kwezinye iimeko, umboleki akagcinanga nje ongenatyala, kodwa kunye nelilungu elimele. Akulula nje ukuba umntu ozimeleyo aphikisana nenkqubo enkulu yombutho, kwaye akuyena wonke umntu onokukhusela ilungelo labo enkundleni. Abanye abazami nakhona, beqonda ukuba amathuba okuwina amancinci, kwaye bayaqhubeka nokuhlawula imali engenakuqondakala, inzala ephezulu kunye nee-commissions ezongezelelweyo ezihlawulwe yibhanki.

Kodwa umntu obolekayo, xa ibhanki ifuna imali engekho mthethweni, inelungelo lokuphikisana nalo nangemva kokuhlawulwa ngokugcwele kwemboleko. Ukuba unqatshelwe ukubuyisela ukuhlawulwa kwemali, ukuqoqwa kwamatyala enkundleni kuseyindlela kuphela yokuphuma. Ewe, kungcono ukuba ungenzi wedwa, kodwa ufuna ukufumana uncedo lwabagwebi. Kwaye kuyinqweneleka ukubandakanya ukuhlawulwa kweenkonzo zabo kwinani lebango.