IiMfuneko ze-Audit Trail kuVavanyo lweTyala loMzantsi Afrika
Funda ukuba zeziphi iimfuno zomkhondo wophicotho ezisebenzayo kuvavanyo lwamatyala eMzantsi Afrika phantsi kweNCA. Qonda ukuba abalawuli balindele ntoni kunye nendlela yokugcina ukuthotyelwa.
Sonke isigqibo setyala esenziwe eMzantsi Afrika kufuneka silandelelwe. I-NCA kunye ne-NCR zilindele ukuba abaniki-nkonzo yeentengo zemboleko kunye nabacebisi bamatyala bakwazi ukubonisa ukuba yeyiphi idatha esetyenzisiweyo, yeyiphi indlela esetyenziswayo, kwaye ngubani owenze isigqibo. Nangona kunjalo iifemu ezininzi azikwazi ukuphinda zilakhe kwakhona ibali lovavanyo lwetyala kwiinyanga ezintandathu ezidlulileyo ngaphandle komzamo obalulekileyo wezandla. Xa uphicotho lwenzeka okanye kuvela isikhalazo somthengi, abasebenzi bachitha iintsuku bekhangela ngemisonto ye-imeyile, iidrive ekwabelwana ngazo, kunye neenkqubo eziqhawukileyo ukuze badibanise okwenzekileyo. Le ndlela esebenzayo yokuthobela idala uxinzelelo, inyusa umngcipheko, kwaye ihlala isilela ukuvelisa iirekhodi ezipheleleyo ezilindelwe ngabalawuli.
I-National Credit Regulator ilindele indlela yokwenza izigqibo ezingaguqukiyo, amaxwebhu afanelekileyo, ukulandeleka kovavanyo lwetyala, kunye nokuthetheleleka kweziphumo. Abaphicothi-zincwadi bafuna ukubona ukuba amatyala afanayo avavanywa ngokufanayo kwaye izigqibo zinokucaciswa kwaye zikhuselwe. Ngaphandle kwemikhondo yophicotho olucwangcisiweyo oludibanisa idatha yeziko kuvavanyo kwizigqibo, ukubonisa ukuthotyelwa kuba nzima. Eli nqaku licacisa ukuba zeziphi iimfuno zomkhondo wophicotho-zincwadi ezisebenzayo kuvavanyo lwetyala eMzantsi Afrika, yintoni i-NCR elindele ukuyibona, kunye nendlela yokwenza ukuthotyelwa komsebenzi wakho ukuze iindlela zophicotho zenziwe ngokuzenzekelayo kunokuba zakhiwe ngokutsha ngesandla. Ukufumana amagqabantshintshi eembophelelo zeNCA, bona eyethu isikhokelo esibanzi sokuthotyelwa kweNational Credit Act.
Uthetha ntoni uMzila woPhicotho kuMxholo weTyala
Umzila wophicotho-zincwadi kuvavanyo lwetyala alukho nje ifayile yelog okanye uluhlu lwezenzo. Yingxelo epheleleyo, edityanisiweyo edibanisa yonke into yesigqibo setyala: idatha ye-bureau ethe yatsalwa, imigaqo yovavanyo esetyenzisiweyo, izibalo ezenziweyo, isigqibo esenziweyo, umntu ozenzileyo, kunye nesitampu sexesha lenyathelo ngalinye. Iphendula imibuzo esisiseko: ngubani otsale le datha, nini, yeyiphi isicelo, babone ntoni, kwaye bagqibe ntoni?
Indawo yokuqala kukutsalwa kwengxelo ye-bureau. Xa umnikezeli wekhredithi okanye umcebisi wamatyala ecela ingxelo yekhredithi kwi-Experian, Datanamix, okanye iTransUnion, eso senzo kufuneka sirekhodwe kunye nesitampu sexesha kwaye sibhekiselwe kumqhubi othile. Ingxelo ngokwayo kufuneka igcinwe njengoko yayikhona ngexesha lokutsalwa, ingatshintshwa ngenguqulelo yamva. Oku kudala irekhodi yembali yokuba yeyiphi idatha ekhoyo xa uvavanyo luqhutywa, oluyimfuneko xa kukhuselwa izigqibo ezenziwe kwiinyanga okanye iminyaka ngaphambili.
Inkqubo yovavanyo kufuneka ilandeleleke. Ukuba ngaba izibalo zokufikeleleka zenziwe, amagalelo kunye neendlela kufuneka zibhalwe phantsi. Ukuba ngaba izikhombisi zomngcipheko ziye zavavanywa, imigaqo kunye nemigangatho kufuneka icace. Ukuba kusetyenziswe iimodeli zamanqaku angaphakathi, iiparamitha kunye neziphumo kufuneka zirekhodwe. Umkhondo wophicotho kufuneka ubonise hayi nje ukuba uvavanyo lwenziwe, kodwa indlela oluqhutywe ngayo kwaye zeziphi iimeko ezaqwalaselwayo.
Isigqibo ngokwaso masidityaniswe nedatha kunye novavanyo olusazisileyo. Nokuba ngaba isicelo samkelwe, saliwe, okanye sithunyelwe, ingqiqo kufuneka ibhalwe kwaye ibotshelelwe kwingxelo ethile yeziko kunye nezibalo ezisetyenzisiweyo. Oku kudala ikhonkco elikhuselayo: le datha yakhokelela kolu vavanyo, olukhokelela kwesi sigqibo, ngenxa yezi zizathu. Xa abalawuli okanye iinkundla zihlola isigqibo, kufuneka zikwazi ukulandela eli khonkco ngaphandle kokungacaci.
Ufikelelo kunye neemvume zenza elinye icandelo elibalulekileyo. Umkhondo wophicotho kufuneka ubonise ukuba ngubani ofikelele kwidatha yekhredithi ebuthathaka, ngubani ogunyazisiweyo ukuba enze izigqibo, kunye nokuba ezo mvume beziyifanele na indima yabo. Oku kuxhasa ukuthotyelwa kweNCA kunye Iimfanelo zePOPIA kulawulo lwedatha kunye nolawulo lofikelelo. Iirekhodi zokufikelela ezisekelwe kwindima zibonisa ukuba umbutho uthatha ukhuseleko lwedatha ngokungathí sina kwaye ukufikelela kulawulwa kwaye kuyaphicothwa.
Ngokudibeneyo, ezi zinto zidala umkhondo wophicotho opheleleyo. Xa iphunyezwe ngokufanelekileyo, ibalisa ibali elipheleleyo lovavanyo lwekhredithi: yeyiphi idatha esetyenzisiweyo, yatolikwa njani, sesiphi isigqibo ekufikelelwe kuso, kwaye ngubani obandakanyekayo kwinyathelo ngalinye. Eli nqanaba lokulandelelwa liyinto i-NCR elindele ukuyibona ngexesha lophicotho-zincwadi kunye noko kufuneka iingcali zekhredithi ukuze zikhusele izigqibo zazo ngokufanelekileyo.
Into elindelwe yi-NCR
I-National Credit Regulator inolindelo olucacileyo malunga nendlela uhlolo lwekhredithi ekufuneka lubhalwe ngayo kwaye lulandeleke. Olu lindelo alunamkhethe- luphuma ngokuthe ngqo kwiimfuno zeNational Credit Act zokuboleka imali ngokufanelekileyo, uhlolo olufanelekileyo lokufikeleleka, kunye nokwenziwa kwezigqibo ezithethelelayo. Ukuqonda into ejongwa ngu-NCR kunceda iingcali zetyala zakha iinkqubo ezihlangabezana nemigangatho yolawulo.
Indlela yokwenza izigqibo ibalulekile. I-NCR ilindele ukubona ukuba iimeko ezifanayo ziyavavanywa kusetyenziswa iinkqubo kunye neendlela ezifanayo. Ukuba abathengi ababini abaneeprofayili ezithelekisekayo bafaka isicelo sekhredithi, indlela yovavanyo kufuneka ifane, nokuba iziphumo ziyahluka ngokusekelwe kwiimeko ezithile. Abaphicothi-zincwadi bakhangela ubungqina bokuba umbutho uneenkqubo ezizichazileyo kwaye ezo nkqubo zilandelwa rhoqo. Iindlela ze-Ad hoc okanye eziguquguqukayo ziphakamisa inkxalabo malunga nobulungisa kwaye zicebisa ukuba izigqibo zisenokungakhethi cala okanye zithetheleleke ngendlela engafanelekanga.
Amaxwebhu afanelekileyo athetha ukuba inyathelo ngalinye lezinto ezibonakalayo kwinkqubo yovavanyo lirekhodwa. Iingxelo zamaziko okuthenga ngetyala kufuneka zigcinwe kunye nesitampu sexesha esicacileyo kunye nenkcazo. Ubalo lokufikeleleka kufuneka lubonise amagalelo, indlela yokusebenza, kunye neziphumo. Ingqiqo yesigqibo kufuneka ichaze ukuba kutheni kufikelelwe kwisiphumo esithile. Amaxwebhu afanele abe ngaxeshanye—ayenziwe ngexesha lovavanyo, angakhiwanga kwakhona kamva—kwaye kufuneka azaliseke ngokwaneleyo ukuze umphicothi-zincwadi aqonde uvavanyo olupheleleyo ngaphandle kwengcaciso eyongezelelweyo.
Ukulandeleka kovavanyo lwekhredithi kufuna ukuba isigqibo ngasinye siqhagamshelwe kwidatha ebisazisile. Zeziphi iingxelo zeofisi eziye zatsalwa? Zatsalwa nini? Zitsalwe ngubani? Loluphi ulwazi lwezo ngxelo olusetyenzisiweyo kuvavanyo? Yatolikwa njani loo nkcazelo? Umzila wophicotho-zincwadi mawuphendule le mibuzo ngokucacileyo. Xa iingxelo zigcinwa njengeePDF kwiidrive ekwabelwana ngazo okanye imisonto ye-imeyile, ukulandeleka kuba nzima. Iisistim ezicwangcisiweyo ezibonisa iintshukumo zestampu sexesha, zibalusele kubaqhubi abathile, kwaye ziqhagamshelanisa izigqibo zomthombo wedatha zidala iindlela zophicotho ezomeleleyo.
Ukuthetheleleka kweziphumo kuthetha ukuba abaphicothi-zincwadi banokusiqonda isizathu sokuba kufikelelwe kwisigqibo esithile. Ukuba isicelo saliwe, ifayile kufuneka ibonise ukuba yeyiphi imiba ekhokelele kweso siphumo. Ukuba isiphakamiso sohlengahlengiso lwetyala senziwe, kufuneka kucace ukuba umcebisi wagqiba njani ukuba imimiselo ecetywayo ifanelekile. Izizathu ezingacacanga okanye ezingekhoyo zidala umngcipheko wokuthotyelwa kwaye zicebisa ukuba inkqubo eyiyo isenokungalandelwa.
Okulindelweyo yi-NCR kunabela ngaphaya kwamatyala abantu ngabanye ukuya kwiinkqubo zombutho. Abalawuli bafuna ukubona ukuba iifemu zineendlela ezicwangcisiweyo zovavanyo lwetyala, ukuba ezo ndlela zibhalwe phantsi, kwaye zisetyenziswa ngokungaguqukiyo. Bafuna ubungqina bokuba umbutho uthatha ukuthotyelwa ngokubalulekileyo kwaye uye wakha iinkqubo ezivelisa ngokwemvelo amaxwebhu kunye nokulandelelwa okufunekayo. Iifemu ezinokubonisa le ntlawulo ngcono ngexesha lophicotho kunezo zixhomekeke kwiinkqubo zethutyana okanye iirekhodi ezingaphelelanga.
Amacandelo oPhicotho-zincwadi oluthobelayo
Umkhondo wophicotho oluthobelayo lovavanyo lwetyala lubandakanya amacandelo amaninzi adibeneyo. Icandelo ngalinye lisebenza ngenjongo ethile, kwaye kunye benza irekhodi epheleleyo ehlangabezana nokulindelwe yi-NCR kwaye ixhasa ukuthathwa kwezigqibo ezikhuselekileyo. Ukuqonda la macandelo kunceda iingcali zekhredithi zichonge izikhewu kwiinkqubo zabo zangoku kunye nokwakha iinkqubo ezivelisa iirekhodi ezilungele umlawuli.
Ingxelo ye-Timestamp ye-Bureau itsalwa kubasebenzi abathile yenza isiseko. Ngalo lonke ixesha ingxelo yekhredithi icelwa kwiziko, inkqubo kufuneka ibhale phantsi ukuba ngubani oyicelileyo, ukuba iceliwe nini, nokuba yeyiphi isicelo okanye ityala. Oku kudala uxanduva lokuphendula kwaye kuvumela abaphicothi-zincwadi ukuba babone ukuba ngubani onoxanduva lokutsala idatha. Isitampu sexesha sibalulekile kuba idatha ye-bureau iyatshintsha ngokuhamba kwexesha-ingxelo etsaliweyo namhlanje ingabonisa ulwazi olwahlukileyo kunelo litsalwe kwiinyanga ezintandathu ezidlulileyo. Ukugcina uhlobo oluchanekileyo olusetyenziswe kuvavanyo kubalulekile ekukhuseleni izigqibo ezenziwe kwixesha elidlulileyo.
Idatha njengoko yayikhona ngexesha lesigqibo kufuneka igcinwe. Oku kuthetha ukugcina ingxelo ye-bureau ikwimo yayo yoqobo, hayi endaweni yayo ngeenguqulelo ezihlaziyiweyo. Ukuba iprofayili yomboleki yekhredithi iyatshintsha emva kovavanyo, ingxelo yembali esetyenzisiweyo kolo vavanyo kufuneka ihlale ifikeleleka. Oku kuvumela abaphicothi-zincwadi kunye neenkundla ukuba zibone kanye ukuba loluphi na ulwazi olukhoyo xa kusenziwa isigqibo, nto leyo ibalulekile ekumiseleni ukuba ngaba isigqibo besifanelekile na ngokusekwe kwidatha ekhoyo.
Ukufikeleleka kunye nezibalo zovavanyo lomngcipheko ezisetyenzisiweyo kufuneka zibhalwe phantsi. Oku kuquka amanani engeniso asetyenzisiweyo, indlela athe aqinisekiswa ngayo, izibophelelo zetyala ezikhoyo ezichongiweyo, uqikelelo lweendleko ezisetyenzisiweyo, kunye nomlinganiselo wetyala-kwingeniso obaliweyo. Ukuba imodeli yamanqaku yangaphakathi okanye imithetho yezigqibo isetyenzisiwe, ezo kufuneka zibhalwe ngokunjalo. Izibalo kufuneka ziphindaphindwe-umphicothi-zincwadi kufuneka akwazi ukulandela indlela yokusebenza kwaye afikelele kumanani afanayo. Oku kungafihlwa kuxhasa ukuthotyelwa kunye nolawulo lwangaphakathi lomgangatho.
Isigqibo ngokwaso—sivunywe, saliwe, okanye sibhekisa—kufuneka sibhalwe kunye nesizathu esibhaliweyo. Iingxelo eziqhelekileyo ezifana “nomthengi uyahlangabezana nemilinganiselo” azonelanga. Ingqiqo ifanele ichaze ukuba zeziphi iinkalo eziye zaqwalaselwa, indlela eziye zalinganiswa ngayo, kunye nesizathu sokuba kufikelelwe kwisiphumo esithile. Ukuba ikhredithi inikwe nangona kukho inkxalabo, okanye ukuba yaliwe ngaphandle kwezinto ezithile ezilungileyo, oko kuqiqa kufuneka kucace. La maxwebhu kufuneka adityaniswe nengxelo ye-bureau kunye nezibalo eziye zazisa, ukudala ikhonkco elicacileyo ukusuka kwidatha ukuya kwisigqibo.
Iirekhodi zofikelelo ezisekelwe kwindima ezibonisa ukuba ngubani na oneemvume zokusebenza ezixhasa ukhuseleko kunye nokuthotyelwa. Umzila wophicotho-zincwadi kufuneka ubonise ukuba ngubani ogunyazisiweyo ukuba atsale iingxelo, ngubani onokujonga idatha ebuthathaka, ngubani onokwenza izigqibo, kwaye ingaba ezo mvume beziyifanele na indima yabo. Oku kuxhasa Ukuthotyelwa kwePOPI izibophelelo zolawulo lwedatha kwaye inceda ukubonisa ukuba ufikelelo luyalawuleka kwaye luyafundeka. Xa ukufikelela kuthintelwe ngokufanelekileyo kwaye zonke izenzo zifakiwe, iifemu zingabonisa abalawuli ukuba bathatha ukhuseleko lwedatha ngokubalulekileyo.
La macandelo asebenza kunye ukudala umkhondo opheleleyo wophicotho. Xa i-bureau idonsa i-timestamp kwaye ibonakaliswe, idatha igcinwa njengoko ikhona ngexesha lesigqibo, izibalo zibhalwe phantsi, izigqibo zifanelekile, kwaye ukufikelela kulawulwa kwaye kufakwe kwirekhodi, isiphumo yirekhodi elungele umlawuli exhasa zombini ukuthotyelwa kunye nokwenza izigqibo ezikhuselekayo.
Apho uHamba lweMisebenzi yeManuwali luqhekeka
Ukuhamba komsebenzi okwenziwa ngesandla kuvavanyo lwetyala kudala amanqaku amaninzi okusilela okwenza kube nzima ukugcina iindlela zophicotho ezithobelayo. Xa iingcali zekhredithi zixhomekeke kwiingxelo ze-PDF, unxibelelwano lwe-imeyile, kunye needrayivu ekwabelwana ngazo, amakhonkco phakathi kwedatha, iimvavanyo kunye nezigqibo ziyadilika. Ukuqonda apho kwenzeka khona oku kuqhekeka kunceda iifemu zichonge imingcipheko kwaye zibeke phambili uphuculo.
Iingxelo zePDF ezikhutshelweyo kwiidrive ezabelwana ngazo zenza ingxaki yokuqala: akukho khonkco oluzenzekelayo phakathi kwengxelo kunye nesicelo esazisileyo. Xa igosa lekhredithi likhupha ingxelo kwi-portal ye-bureau, likhuphe njenge-PDF, kwaye liyigcine kwifolda, inkqubo ayiyazi ukuba le ngxelo ihambelana neyiphi isicelo. Kamva, xa kufuneka amaxwebhu ophicotho-zincwadi okanye okukhalaza, abasebenzi mabasetshe iifolda kwiifolda, batshatise namagama eefayili kwizicelo, yaye banethemba lokuba isafumaneka ingxelo echanekileyo. Le nkqubo ineempazamo kwaye idla ixesha, kwaye idala izikhewu kumzila wophicotho.
Izigqibo ezithunyelwe nge-imeyile zidala omnye umsantsa. Xa abaphononongi besenza izigqibo kwaye benxibelelana nabo ngemisonto ye-imeyile, ezo zigqibo aziqhagamshelwanga kwiingxelo ze-bureau okanye izibalo ezizazisileyo. Isigqibo sikhona kwinkqubo enye, ingxelo ikhona kwenye, kwaye uqhagamshelwano kufuneka lwakhiwe ngokutsha ngesandla. Imisonto ye-imeyile inokususwa, idluliselwe ngokungalunganga, okanye ilahleke ngokupheleleyo, okwenza kube nzima ukubonisa ukuba sesiphi isigqibo esenziweyo kwaye kutheni.
Iikhrayitheriya zovavanyo ezisetyenziswa ngokwahlukileyo ngamagosa ahlukeneyo zidala ukungangqinelani okujongela phantsi ukuthotyelwa. Xa omnye umvavanyi egxile kakhulu kwiintsilelo zamva nje ngelixa omnye umlinganiso wembali eqhuba kakhulu, abathengi abafanayo banokufumana iziphumo ezahlukeneyo. Ngaphandle kweenkqubo ezisemgangathweni kunye nonikezelo lwedatha olucwangcisiweyo, kunzima ukuqinisekisa ukuba iinqobo zokugweba zisetyenziswa ngokungaguqukiyo. Oku kuhlukahluka kwenza kube nzima ukubonisa ukuba uvavanyo lufanelekile kwaye lucwangcisiwe, nto leyo abalawuli balindele ukuyibona.
Iingxelo zembali ezibhalwe ngaphezulu okanye ezilahlekileyo zidala ingxaki enkulu. Xa iingxelo ze-bureau zigcinwa njengeefayile ezinokutshintshwa okanye zicinywe, iinguqulelo zembali zinokunyamalala. Ukuba iprofayili yomboleki yetyala iyatshintsha emva kovavanyo, ingxelo yokuqala esetyenziselwe olo vavanyo inokungafumaneki. Oku kwenza kube nzima ukubonisa ukuba yeyiphi idatha eqwalaselwe xa isigqibo senziwe, esijongela phantsi amandla okukhusela eso sigqibo. Kubaqeqeshi bekhredithi abafuna ukubonisa ukuthotyelwa kweenyanga okanye iminyaka emva kokuhlolwa, ukulahleka kwedatha yembali kuyingozi enkulu.
Ukulungiselela uphicotho-zincwadi kufuna iintsuku zomsebenzi womcuphi xa iirekhodi zithe saa. Xa kubhengezwa uphicotho-zincwadi, iifemu zihlala zigxalathelana ukudibanisa iifayile, ukufumana amaxwebhu, kunye nokwakha ngokutsha iinkqubo zezigqibo. Abasebenzi kufuneka bakhangele kwiinkqubo ezininzi, iingxelo zomdlalo kwizicelo, bafumane amanqaku esigqibo, kwaye badibanise okwenzekayo. Le ndlela esebenzayo yonyusa uxinzelelo, idla ixesha elibalulekileyo kunye nezixhobo, kwaye ihlala isilela ukuvelisa iirekhodi ezipheleleyo. Nokuba iirekhodi ziye zadityaniswa ekugqibeleni, izikhewu kunye nokungangqinelani kunokuhlala, kudala umngcipheko wokuthotyelwa.
Ezi ziqhekeza ziyadibanisa. Xa iingxelo zingadityaniswa nezicelo, izigqibo azixhunywanga kwidatha, imigaqo ayihambelani, kwaye iirekhodi zembali zilahlekile, ukubonisa ukuthotyelwa kuba phantse akunakwenzeka. Nokuba ngaba abavavanyi ngabanye baqhuba uvavanyo olululo ngokholo oluhle, ukungabikho kweenkqubo ezicwangcisiweyo kudala umngcipheko ongenakukhuselwa lula. Kubasebenzi bekhredithi abazimiseleyo malunga nokuthobela, ukuhamba komsebenzi wezandla kulityala.
Ixesha kunye neNdleko yeeNdlela zoPhicotho eziMbi
Iimpembelelo zokusebenza nezemali zeendlela zophicotho-zincwadi olulambathayo zidlulela ngaphaya kokuphazamiseka kwangoko okukhangelwa kwamaxwebhu. Xa iindlela zophicotho zingagqitywanga okanye zithe saa, iifemu zijongana neendleko ezinkulu ngokwexesha, izixhobo kunye nomngcipheko. Ukuqonda ezi ndleko kunceda ukuthethelela utyalo-mali kwiindlela ezicwangcisiweyo zolawulo lomkhondo wophicotho.
Xa uphicotho-zincwadi okanye isikhalazo somthengi sivela kwaye iirekhodi zithe saa, i-firm ichitha ixesha elibalulekileyo kunye nemithombo yokuvuselela imbali. Abasebenzi kufuneka bakhangele kwiisistim ezininzi, badibanise amaxwebhu kwizicelo, bafumane amanqaku esigqibo, kwaye badibanise okwenzekileyo. Lo msebenzi womcuphi utya iiyure okanye iintsuku ezinokuchithwa kwimisebenzi enemveliso. Kwiifemu ezijongana namakhulu okanye amawaka ezicelo, ixesha elongezelekayo elichithwe kulungiselelo lophicotho-zincwadi linokuba likhulu. Eli lixesha apho abavavanyi, abalawuli, kunye nabaphathi abanakuchitha kumsebenzi wangoku, bedala iindleko zamathuba ngaphaya komgudu othe ngqo.
Ixabiso “lokuthobela emva kwenyani” lihlala liphezulu kunokwakhiwa kwayo. Iifemu kufuneka zihlangabezane iimfuno zokugcina iirekhodi phantsi kweNCA ezithile, kuquka namaxesha amiselweyo okugcina iindidi ezahlukeneyo zedatha yekhredithi. Xa iifemu kufuneka ziphinde zakha iindlela zophicotho ngokutsha, zijongana nemingeni emininzi. Amaxwebhu asenokuba akakho okanye akaphelelanga. Abasebenzi basenokuba bawushiyile umbutho, bethatha ulwazi lweziko kunye nabo. Iinkqubo zisenokuba zitshintshile, nto leyo eyenza kube nzima ukufikelela kwiinkcukacha zembali. Nokuba iirekhodi zidityanisiwe ekugqibeleni, izikhewu kunye nokungangqinelani kunokuhlala, kudala umngcipheko wokuthotyelwa okuqhubekayo. Umzamo ofunekayo wokudala iindlela zophicotho-zincwadi emva kwenyani ngokuqhelekileyo mkhulu kunomzamo ofunekayo ukuzigcina njengenxalenye yemisebenzi eqhelekileyo.
Kwimeko embi kakhulu, iifemu azikwazi ukuvelisa ubungqina konke konke, okukhokelela kwimiphumo yokulawula. Ukuba iingxelo ze-bureau zilahlekile, amanqaku ezigqibo alahlekile, okanye ikhonkco phakathi kwedatha kunye nezigqibo azikwazi ukusekwa, iifemu azikwazi ukubonisa ukuba uvavanyo olufanelekileyo lwenziwe. Oku kudala umngcipheko omkhulu wokuthotyelwa. I-NCR inokuwisa izohlwayo, ifune inyathelo lolungiso, okanye ithathe amanyathelo okunyanzelisa. Kwiimeko ezibandakanya izityholo zokuboleka imali ngokungakhathali, ukungakwazi ukuvelisa amaxwebhu afanelekileyo kunokukhokelela kwizivumelwano ezilahliweyo, ilahleko yemali, kunye nomonakalo kwigama.
Uxinzelelo kunye nokuphazamiseka okubangelwa yimikhondo yophicotho olungeyonyani nayo ineendleko ezingathanga ngqo. Xa uphicotho-zincwadi lubhengezwa kwaye abasebenzi kufuneka bangxamele ukuhlanganisa iirekhodi, ukudodobala kokuziphatha kunye nokusebenza kwesiqhelo kuyaphazamiseka. Ukungaqiniseki malunga nokuba ngaba iirekhodi zinokufunyanwa nokuba ziya kwanela na kudala ixhala. Olu xinzelelo luchaphazela imveliso kwaye lunokukhokelela ekuguqukeni kwabasebenzi, ngakumbi phakathi kweengcali zokuthobela kunye nokulawula umngcipheko ezithwala uxanduva lokulungiselela uphicotho-zincwadi.
Ixabiso lethuba lomsebenzi wokuthotyelwa okusebenzayo libalulekile. Ixesha elichithwe ukukhangela amaxwebhu kunye nokwakhiwa kwakhona kwembali lixesha elingachithwanga ekuphuculeni iinkqubo, ukuqeqeshwa kwabasebenzi, okanye ukukhonza abathengi. Iifemu ekufuneka zisoloko zisabele kwiimfuno zokuthotyelwa kunokwakha ukuthotyelwa kokuhamba komsebenzi wazo ziyasokola ukuphucula ukusebenza kakuhle okanye ukulinganisa ukusebenza. Oku kudala umjikelo apho ukuthotyelwa kuba ngumthwalo otya izixhobo ngaphandle kokongeza ixabiso.
Ezi ndleko azinakuphepheka. Iifemu ezakha iindlela zophicotho-zincwadi kwiinkqubo zazo zemihla ngemihla zithintela ixesha kunye neendleko zokuphinda kuhlaziywe. Xa utsalo ngalunye lwe-bureau lufakiwe, lonke uvavanyo lubalwe kwaye lurekhodwe kwinkqubo efanayo, kwaye zonke izigqibo zibhalwe phantsi kwindawo esenziwe ngayo, umkhondo wophicotho uyazakha. Uthotyelo lusebenza endaweni yolawulo, lunciphisa zombini iindleko ezithe ngqo kunye nomngcipheko.
Ukwakha iindlela zoPhicotho-zincwadi kwindlela yakho yokusebenza
Eyona mikhondo yophicotho ayidalwanga ngokuyibuyisela emva. Ziyimveliso yendlela yokusebenza eyakhiweyo. Xa utsalo ngalunye lwe-bureau lufakiwe, lonke uvavanyo lubalwe kwaye lurekhodwe kwinkqubo efanayo, kwaye zonke izigqibo zibhalwe phantsi kwindawo esenziwe ngayo, umkhondo wophicotho uyazakha. Uthotyelo lusebenza endaweni yolawulo, lunciphisa zombini iinzame kunye nomngcipheko.
Idatha yekhredithi ehleliweyo sisiseko. Xa iingxelo ze-credit bureau zicazululwa ngokuzenzekelayo kwaye ziqheleke kwiifomathi ezifanayo, abaphononongi babona isakhiwo esifanayo kungakhathaliseki ukuba leliphi i-ofisi ebonelele ngedatha. Oku kubekwa emgangathweni kuxhasa ukutolika okungaguqukiyo kwaye kunciphisa ukuguquguquka okuvela kuye wonke umntu ofunda iiPDF ngokwahlukileyo. Izibalo zokufikeleleka, izikhombisi zomngcipheko, kunye neendlela zesigqibo zinokusetyenziswa ngokufanayo, ukudala ukuhambelana kwendalo. Idatha ngokwayo iba yinxalenye yendlela yophicotho-zincwadi kuba igcinwe kwifomathi ecwangcisiweyo enokusetshwa, ithelekiswe, kwaye idityaniswe nezicelo ezithile.
Ukugawulwa kwemithi ngokuzenzekelayo kuphelisa imfuneko yokugcinwa kweerekhodi ngesandla. Xa utsalo ngalunye lweziko lufakwe isitampu sexesha kwaye luchazwa kumsebenzisi othile ngokuzenzekelayo, akukho nyathelo elongezelelweyo elifunekayo. Xa zonke izigqibo zidibene nedatha eyazisa ngokuyila, uxhulumaniso lukhona ngaphandle kwemigudu eyongezelelweyo. Xa zonke izenzo zifakwe kwisistim, umkhondo wophicotho-zincwadi ukhona ngaphandle kokufuna ukuba abasebenzi bakhumbule ukuyila. Oku kuzenzekelayo kuqinisekisa ukuba akukho nto iphosakeleyo kwaye iirekhodi ziphelele kwaye zihambelana.
Ukuhamba komsebenzi okudibeneyo kunciphisa umngcipheko wamanyathelo alahlekileyo okanye amaxwebhu angaphelelanga. Xa uvavanyo lwetyala, ukubala ukufikeleleka, kunye nokurekhodwa kwezigqibo kwenzeka kwinkqubo enye, abaphononongi bakhokelwa ngamanyathelo afunekayo kwaye bayalelwa ukuba babhale iziphumo. Inkqubo inokunyanzelisa ukuba imimandla ethile igqitywe, ukubala kwenziwe, kwaye izizathu zirekhodwa phambi kokuba izigqibo zigqitywe. Oku kuqinisekisa ukuba iimfuno zothotyelo ziyahlangatyezwa njengenxalenye yemisebenzi eqhelekileyo, hayi njengengcinga engemva.
Inzuzo ebonakalayo iyancipha uxinzelelo kunye nomngcipheko. Xa uphicotho lwenzeka, iifemu zinokuvelisa iirekhodi ezihambelanayo ngokukhawuleza endaweni yokukrazula ukudibanisa iifayile. Xa kuvela izikhalazo, banokubonisa kanye ukuba yeyiphi idatha eqwalaselweyo kunye nendlela ekufikelelwe kuyo ngayo izigqibo. Xa imigaqo-nkqubo itshintsha, inokuhlaziya iinkqubo ngokucwangcisiweyo kunokuba nethemba lokuba wonke umntu uyazikhumbula iimfuno ezintsha. Ukuthobela kuba sisiphumo sendalo semisebenzi elungileyo kunokuba kube ngumthwalo owahlukileyo.
Iifemu ezithatha ukuthotyelwa njengomgaqo woyilo endaweni yokucinga emva koko zifumanisa ukuba kuba lula ukufikelela kunye nokugcina. Injongo ayikokongeza ukuthotyelwa njengenyathelo elongezelelweyo-kukuyila iinkqubo ezithotyelwa ngokuzenzekelayo. Iisistim ezicwangcisiweyo ezibeka kumbindi wedatha, ezibeka emgangathweni iinkqubo, kwaye zizenzele ngokwamaxwebhu axhasa le ndlela ngokufanelekileyo. Xa iindlela zophicotho-zincwadi zakhiwe ekuhambeni komsebenzi, azifuni mzamo wongezelelweyo kwaye zivelise iirekhodi ezilungele umlawuli ngokuzenzekelayo.
UFikelelo oluSekwe kwindima kunye noLawulo lweeDatha
Ukukhawulelana ngubani onokutsala iingxelo, ngubani onokujonga idatha ebucayi, kwaye ngubani onokwenza izigqibo ezixhasa zombini ukhuseleko kunye nokuthotyelwa. Le nkqubo isekelwe kwindima iqinisekisa ukuba ufikelelo lufanelekile kwaye luyalawulwa, nto leyo ibalulekile ekudibaneni Iimfanelo zePOPIA nokubonisa kubalawuli ukuba ulawulo lwedatha luthathelwa ingqalelo.
Iimvume kufuneka zihambelane nemisebenzi yomsebenzi. Abavavanyi kufuneka batsale iingxelo kwaye bajonge idatha yekhredithi, kodwa banokungadingi ukufikelela kulawulo okanye ukukwazi ukuguqula izicwangciso zenkqubo. Abalawuli bafuna ukufikelela okubanzi ekulawuleni abasebenzisi kunye nokuqwalasela iinkqubo, kodwa akufuneki ukuba benze izigqibo zekhredithi yomntu ngamnye. Amagosa othotyelo lomthetho afuna ukufikelela ekufundeni kuphela kumatyala ophononongo kwaye alungiselele iimpendulo zophicotho, kodwa akufuneki ukuba akhuphe iingxelo ezintsha. Ngokulungelelanisa iimvume kunye neendima, iifemu zinokubonisa ukuba ufikelelo luyimfuneko kwaye lunomlinganiselo.
Ulawulo lokufikelela kufuneka lufakwe njengenxalenye yomzila wophicotho. Inkqubo kufuneka irekhode ukuba ngubani ofikelele kwidatha, nini, kwaye ngayiphi injongo. Oku kudala uxanduva kwaye kunceda ekuboneni ukufikelela okungagunyaziswanga okanye ukusetyenziswa kakubi. Xa abalawuli bebuza malunga nolawulo lwedatha, iifemu zinokubonisa ukuba ukufikelela kulawulwa, kubekwe iliso, kwaye kufanelekile kwindima nganye. Oku kuxhasa ukuthotyelwa kweNCA kunye neemfuno zePOPIA zokhuseleko lwedatha.
Uqinisekiso lwezinto ezininzi zongeza omnye umaleko wokhuseleko. Xa kubandakanyeka idatha yekhredithi ebuthathaka, ifuna uqinisekiso olongezelelweyo ngaphaya kwamagama ayimfihlo kunceda ukuthintela ukufikelela okungagunyaziswanga. Oku kubaluleke kakhulu ekufikeleleni kude okanye xa abasebenzi besebenza kwiindawo ezininzi. Ukuqinisekiswa okuqinileyo kubonisa ukuba umbutho uthatha ukhuseleko lwedatha ngokungathí sina, oluxhasa ukuthotyelwa kunye nokunciphisa umngcipheko.
Uphononongo lokufikelela rhoqo luqinisekisa ukuba iimvume zihlala zifanelekile njengoko iindima zitshintsha. Xa abasebenzi behamba phakathi kwezikhundla okanye beshiya umbutho, ukufikelela kwabo kufuneka kuhlaziywe okanye kurhoxiswe ngokukhawuleza. Iinkqubo ezixhasa ukuphononongwa kofikelelo oluzenzekelayo kunye nezilumkiso zinceda ekuqinisekiseni ukuba iimvume zezangoku kwaye abasebenzi bangaphambili abanako ukufikelela kwidatha ebuthathaka. Olu lawulo luqhubekayo lubalulekile ekugcineni ukuthotyelwa kwexesha.
Umkhondo wophicotho-zincwadi kufuneka ungabonisi nje kuphela ukuba ngawaphi amanyathelo athathiweyo, kodwa ukuba ngubani ogunyaziswe ukuba awathabathe. Xa ingxelo ye-bureau itsalwa, inkqubo kufuneka irekhode bobabini ukuba ngubani oyitsalileyo nokuba babenayo na imvume yokwenza oko. Xa kusenziwa isigqibo, kufuneka kucace ukuba umntu obesenza eso sigqibo ugunyazisiwe kusini na ukuba enze loo ndima. Oku kudala umfanekiso opheleleyo wokuba ngubani owenze ntoni kwaye nokuba izenzo zabo bezifanelekile na, nto leyo abalawuli balindele ukuyibona.
Ngokudibeneyo, ulawulo lokufikelela olusekwe kwindima, ukungena ngemvume, ukuqinisekiswa okuqinileyo, kunye nokuphononongwa rhoqo kudala isakhelo solawulo lwedatha esixhasa ukuthotyelwa. Xa ukufikelela kulawulwa, kubekwe esweni, kwaye kufanelekile, iifemu zinokubonisa kubalawuli ukuba bathatha ngokungqongqo ukhuseleko lwedatha kwaye iinkqubo zabo zikhuselekile kwaye ziyaphicothwa. Oku kunciphisa umngcipheko wokuthotyelwa kwaye kwakha ukuzithemba ukuba umbutho ulawula imisebenzi yawo yovavanyo lwamatyala.
Yakha iindlela zoPhicotho eziSebenzayo
UMthetho weNtengo weSizwe kunye noMlawuli weNtengo weSizwe balindele ukuba iingcali zetyala zigcine iindlela zophicotho olupheleleyo, olulandelekayo kulo lonke uvavanyo lwetyala. Le mikhondo yophicotho-zincwadi kufuneka inxulumanise idatha yeziko kuvavanyo nezigqibo, ebonisa ukuba yeyiphi idatha esetyenzisiweyo, yatolikwa njani, kwaye kutheni kufikelelwe kwiziphumo ezithile. Ukuhamba komsebenzi okwenziwa ngesandla okuxhomekeke kwiingxelo zePDF, unxibelelwano lwe-imeyile, kunye namaxwebhu asasazekileyo enza izithuba ezenza ukuthotyelwa kube nzima kwaye kube yingozi.
Ukwakha iindlela zophicotho-zincwadi ekuhambeni kwakho komsebenzi kuguqula ukuthotyelwa komthwalo osebenzayo kube sisiphumo sendalo semisebenzi elungileyo. Xa i-bureau itsalwa ngokuzenzekelayo, lonke uvavanyo lubalwe kwaye lurekhodwe kwinkqubo efanayo, kwaye zonke izigqibo zibhalwe phantsi kwinqanaba lenziwe, umkhondo wophicotho uyazakhela. Le ndlela ecwangcisiweyo iyanciphisa umgudu, isuse izikhewu, kwaye ivelise iirekhodi ezilungele ukulawulwa ezixhasa ukuthotyelwa kunye nokwenziwa kwezigqibo ezikhuselekayo.
Dibana no ukubhukisha idemo kwaye ubone ukuba zizenzekela njani, iindlela zophicotho lwexesha kunye nendima yolawulo lofikelelo ezixhasa ukuthobela izibophelelo zakho.