Inkqubo yoHlolo lweTyala eMzantsi Afrika | ISikhokelo seNyathelo ngeNyathelo
Landela inkqubo yokuphonononga amatyala phantsi kweNCA ukusuka ekuthatheni ukuya kwimvume yomyalelo, kunye neemfuneko zamaxwebhu angundoqo kubacebisi ngamatyala oMzantsi Afrika.
Uphononongo lwetyala phantsi kweNational Credit Act yinkqubo yomthetho ecwangcisiweyo enamanqanaba achaziweyo, iimfuno zamaxwebhu, kunye neziphumo. Nangona kunjalo iifemu ezininzi zokucebisa amatyala zisaqhuba kumanyathelo ezandla, iingxelo zePDF, kunye namaxwebhu aqhekekileyo. Xa ityala ngalinye lisingathwa ngokwahlukileyo kwaye iifayile zisasazwa kwi-imeyile kunye nokwabelana ngeedrayivu, ukungaguquguquki kuyasokola kwaye ukulungela uphicotho-zincwadi kuba yingxaki. Abacebisi bamatyala abanelayisenisi badinga ukuhamba okucacileyo, okuphindaphindwayo okuhlangabezana nolindelo lwe-NCA kunye ne-NCR ngelixa unciphisa umthwalo wolawulo. Esi sikhokelo sichaza okufunwa nguMthetho, sihamba kwinkqubo yophononongo lwamatyala inyathelo ngenyathelo ngokwembono yabasebenzi, kwaye sicacisa apho iinkqubo ezenziwa ngezandla ziqhawuka kunye nendlela izixhobo ezakhiwe ngenjongo ezinokulixhasa ngayo inqanaba ngalinye ngaphandle kokuthatha indawo yesigwebo sobungcali.
Yintoni efunwa nguMthetho weSizwe weTyala
Inkqubo yohlaziyo lwamatyala isekelwe kuMthetho weSizwe weTyala (uMthetho wama-34 ka-2005). ICandelo lama-86 livumela umboleki ukuba enze isicelo kumcebisi wamatyala ukuze afumane isigqibo sokutshona ematyaleni ngokugqithisileyo kwaye, ukuba umcebisi ufumanisa ukuba umboleki usematyaleni ngokugqithisileyo, enze isindululo sokuhlengahlengisa izivumelwano zeentengo zemboleko. Izibophelelo zomcebisi zicacile: qokelela ulwazi, uvavanye ukuba ngaba umboleki akanako okanye akanako ukuhlangabezana nazo zonke izibophelelo ngexesha elifanelekileyo (uvavanyo lweCandelo lama-79), kwaye ukuba kunjalo, lungiselela isindululo sokuba siqwalaselwe ngabaniki-nkonzo yeentengo zemboleko. Isiphakamiso kufuneka sisekelwe kuvavanyo olufanelekileyo lwengeniso, iindleko, kunye nezibophelelo ezikhoyo; I-NCR ilindele ukuba uvavanyo lubhalwe kwaye lulandeleke.
Nje ukuba isindululo sithunyelwe, ababoneleli ngetyalaube nexesha elimiselweyo lokuphendula. Ukuba bayasikhaba isindululo okanye uthethathethwano aluphumeleli, umba lowo ungathunyelwa kwiNkundla yamaTyala yabaThengi yeSizwe okanye enkundleni ukuze bafumane imvume okanye isigqibo. Umcebisi kufuneka agcine iirekhodi zesicelo, uvavanyo, isiphakamiso, iimpendulo zababolekisi, kunye nayiphi na inkundla okanye umphumo wenkundla. Okubanzi LINK_0_ kusebenza kulo lonke: ukugcinwa kweerekhodi, ukuphathwa kakuhle kwabathengi, kunye nokukwazi ukubonisa indlela yokusebenza xa i-NCR ihlola iifayile. Uxwebhu kwinqanaba ngalinye alukhethi; yiyo eyahlula inkqubo ekhuselayo kuleyo ingenakuchazwa okanye iveliswe ngokutsha.
Inyathelo ngeNyathelo: Inkqubo yoPhononongo lweTyala
Ngokwembono yabasebenzi, inkqubo yokuphononongwa kwetyala inokwahlulwa ibe ngamanqanaba asibhozo. Inqanaba ngalinye livelisa amaxwebhu athile ekufuneka agcinwe kwifayile yetyala.
Ukuthatha kunye nemvume yomxhasi. Umboleki uye kumcebisi wamatyala aze agcwalise isicelo sophononongo lwamatyala. Umcebisi kufuneka afumane imvume enolwazi, achaze inkqubo kunye neziphumo (kubandakanywa nesaziso seFomu ye-16 kwiziko lamatyala kunye nokhuseleko olusebenzayo xa inkqubo iqalile), kwaye aqokelele izazisi, ubungqina bengeniso, kunye noluhlu lwababolekisi okanye ii-akhawunti. Irekhodi yokuthatha, ifom yemvume, kunye namaxwebhu axhasayo enza isiseko sefayile. Ngaphandle kwemvume ecacileyo kunye nomfanekiso opheleleyo wemeko yomthengi, yonke inkqubo ayikwazi ukuqhubeka ngokufanelekileyo.
Isaziso seFom 16 esiya kwiziko lamatyala. Sakuba samkelwe isicelo, umcebisi wamatyala wazisaamaziko okuthenga ngetyala abhalisiweyo esebenzisa iFomu ye-16 (okanye elilingana elimiselweyo). Esi saziso sixhokonxa ukhuseleko olusemthethweni oluthintela abaniki-nkonzo yeentengo zemboleko ekubeni balandele inyathelo lonyanzeliso ngexa umboleki ephantsi kovavanyo lwetyala. Umhla wesaziso kunye nobungqina bokungeniswa kufuneka bugcinwe. Ukungeniswa kweFomu 16 okulahlekileyo okanye okulibazisekileyo kunokubeka umboleki kuxinzelelo olungeyomfuneko kwaye kudaleke imiba yokuthotyelwa.
Ingxelo ye-Bureau iyatsala kwaye ihlalutywe. Umcebisi ufumana iingxelo zekhredithi kwelinye okanye ngaphezulu kwiziko ukuze afake zonke izivumelwano zeentengo zemboleko ezixeliweyo, iibhalansi, izavenge, kunye nokuziphatha kwentlawulo. Ukuqonda indlela yokufunda nokutolika iingxelo zekhredithi ibalulekile: kufuneka kuchongwe ii-akhawunti, iitotali ezifunyenweyo, kunye noluhlu olubi kunye neeprofayile zentlawulo ziqatshelwe. Ukutsalwa kwe-bureau enye kunokuphosa ii-akhawunti ezigcinwe kunye namanye amaziko, ngoko ke iinkqubo ezininzi zisebenzisa i-multi-bureau okanye idatha edibeneyo. Iingxelo ezisetyenzisiweyo, umhla ezitsalwe ngawo, kunye nohlalutyo (eziphi ii-akhawunti ezibandakanyiweyo, izibophelelo ezipheleleyo, kunye naziphi na iiflegi) kufuneka zibhalwe phantsi ukuze inqanaba elilandelayo lixhomekeke kwiseti yedatha ecacileyo, enokuphicothwa.
Uvavanyo lokufikeleleka. Ngokusebenzisa idatha ye-bureau kunye nengeniso eqinisekisiweyo kunye neendleko zokuhlala ezifanelekileyo, umcebisi wenza uhlolo lokufikeleleka kwaye aqinisekise ukuba umboleki unamatyala angaphezulu na phantsi kweCandelo 79. Oku kubandakanya ukuthelekisa izibophelelo zenyanga zizonke kunye nomvuzo olahlwayo (umvuzo emva kokutsalwa kwentlawulo kunye neendleko zokuphila). Kufuneka kubhalwe indlela yokubala, amanani asetyenzisiweyo nesiphelo. Xa uvavanyo lwenziwa kwi-spreadsheet okanye ephepheni ngaphandle kokudibanisa neengxelo zomthombo, uphicothoumzila ubuthathaka; xa ibotshelelwe kwidatha efanayo ye-bureau esetyenzisiweyo kwisiphakamiso, ikhonkco icacile.
Ulungiselelo lwesindululo. Umcebisi uyila isindululo sohlengahlengiso olwaba intsalela ekhoyo yomboleki kuzo zonke izivumelwano zeentengo zemboleko ngendlela enobulungisa nezinzileyo. Isiphakamiso kufuneka sisekelwe kuvavanyo lokufikeleleka kwaye kufuneka sithunyelwe kubo bonke abaniki-nkonzo beentengo zemboleko abafanelekileyo ngexesha elimiselweyo. Uxwebhu lwesindululo, uluhlu lwabamkeli, kunye nomhla wokuthunyelwa yinxalenye yefayile. Ukuhambelana kwindlela iziphakamiso ezakhiwe ngayo-ingqiqo efanayo, umthombo wedatha ofanayo-unciphisa iimpazamo kwaye uxhasa ukhuseleko.
Uthethathethwano nabatyalwayo. Abaniki-nkonzo yeentengo zemboleko banokusamkela, basikhabe, okanye basichase eso siphakamiso. Umcebisi urekhoda zonke iimpendulo, alandele apho kuyimfuneko, kwaye unokuhlaziya isindululo ekukhanyeni kwengxelo yombolekisi. Imbalelwano kunye nemizuzu yazo naziphi na izivumelwano kufuneka zigcinwe. Ii-imeyile ezisasazekileyo kunye namanqaku angatyikitywanga zenza kube nzima ukungqina ukuba bekuvunyelwene ngantoni kwaye nini.
Umyalelo wemvume okanye ukuthunyelwa kwenkundla. Ukuba bonke abaniki-nkonzo yeentengo zemboleko bayasamkela isindululo, umcebisi uncedisa ekufumaneni umyalelo wemvume ovela kwinkundla okanye inkundla, ethi ibe sesikweni uhlengahlengiso. Ukuba omnye okanye ababolekisi abaninzi bayala kwaye uthetha-thethwano aluphumeleli, umcimbi unokuthunyelwa kwinkundla okanye kwinkundla ukuze kuthathelwe isigqibo. Umyalelo okanye ukuthunyelwa, umphumo, kunye naluphi na utshintsho kwisiphakamiso sokuqala kufuneka sifakwe. Le yiankile esemthethweni yezibophelelo ezihlengahlengisiweyo.
Ukubeka iliso okuqhubekayo kunye nokususwa. Kubomi bophononongo lwamatyala, umcebisi ubeka esweni iintlawulo,linxibelelana nababolekisi, kwaye liqinisekisa ukuba umboleki uyahlangabezana nemigaqo ehlengahlengisiweyo. Xa zonke izibophelelo phantsi komyalelo zizalisekile, umcebisi ukhupha isatifikethi sokukhupha kwaye wazise i-bureaux. Iirekhodi zentlawulo, amaxwebhu okukhutshwa, kunye nezaziso ze-bureau zigcwalisa ifayile. Umkhondo ocacileyo wophicotho-zincwadi ukusuka ekuthatheni ukuya ekucoceni uxhasa umthengi kunye nefemu ukuba i-NCR okanye umphicothi-zincwadi uphonononga ityala.
Apho iiNkqubo zeManuwali ziqhawuka khona
Iinkqubo zezandla zenza iintlungu eziqikelelwayo ezinyukayo njengoko i-caseloads ikhula. Iingxelo ze-PDF bureau zingumqobo wokuqala: ziyilelwe ufundo lwabantu, hayi ukuthelekisa okanye ukubala. Umcebisi ofumana iingxelo ezihlaziyiweyo kwiinyanga ezihlukeneyo azikho indlela ehleliweyo yokubona ukuba yintoni etshintshileyo-eziphi ii-akhawunti ezihlawulwe phantsi, eziye zehla-ngaphandle kokufunda kwakhona zombini amaxwebhu kunye nokuthelekisa ngesandla. Xa kusetyenziswa iiofisi ezininzi, ukuthelekisa kuzo zonke iiPDF ezivela kubaboneleli abahlukeneyo kuba nzima ngakumbi. Isiphumo kukungangqinelani kwindlela iitotali ezifumaneka ngayo kunye nendlela isikhundla somthengi omnye esitolikwa ngayo ngokuhamba kwexesha.
Ubalo olusekwe kwi-Excel luzisa iseti yesibini yeengozi. Amanani ahlala echwethezwa kwiiPDF okanye kwimemori; aziqhagamshelani emva kwingxelo yomthombo. Xa umphicothi-zincwadi ebuza ukuba yeyiphi ingxelo ye-bureau esetyenzisiweyo kwityala elinikiweyo, okanye loluphi uhlobo lwengxelo, impendulo inokuxhomekeka kumagama eefayile kunye noqikelelo. Iimpazamo zefomyula zinokusasazeka, kwaye abacebisi abohlukeneyo banokusebenzisa itemplates okanye imimiselo eyahlukileyo kancinane. Akukho mthombo omnye wenyaniso: “inkosi” yesibophelelo esipheleleyo kwisindululo ayinakwenzekaTshatisa isixa-mali se-akhawunti kwingxelo ye-bureau, kwaye ukulandela umkhondo kuthatha ixesha.
Amaxwebhu asasazwe kuyo yonke i-imeyile, iidrive ekwabelwana ngazo, kunye neefayile zephepha zenza ukuba kube nzima ukulungiselela uphicotho. Xa i-NCR icela ifayile, ukudibanisa ingxelo ehambelanayo evela kwinqwaba yemiyalezo kunye namaxwebhu axengaxengayo kuyacinezela kwaye kuyathanda ukuba neempazamo. Izitampu zexesha zisenokuba zilahlekile okanye azithembekanga; kunokungacaci ukuba ngubani othathe leliphi inyathelo kwaye nini. Iinkqubo ezixhomekeke kwiinkqubo zezandla zihlala zifumanisa ukuba iindleko zokuphendula izicelo zokuthobela kunye nokulungisa iimpazamo zigqwesa iindleko zokwamkela iinkqubo ezicwangcisiweyo. Imiba efanayo ichaphazela ukusebenza kwemihla ngemihla: ukufumana isindululo samva nje okanye ingxelo yamva nje yeofisi yomxhasi ichitha ixesha elinokuchithwa kwiingcebiso zokwenene.
Indlela iSoftware exhasa ngayo inqanaba ngalinye
Isoftware yeengcebiso zamatyala eyakhelwe-njongo inokuxhasa isigaba ngasinye senkqubo ngaphandle kokuthatha indawo yobuchule bomcebisi. Injongo kukwenza idatha yakhiwe, ilandeleleke, kwaye ingaguquguquki.
Kwinqanaba le-bureau, isoftware engenisa kwaye icazulule idatha yengxelo yetyala-nokuba ivela kwi-Experian, Datanamix, TransUnion, okanye abanye ababoneleli-iguqula imveliso yePDF ibe yimimandla enokuthenjwa, enokuthelekiseka. Iiakhawunti, iibhalansi, izavenge, kunye neeprofayili zentlawulo zinokushwankathelwa kwaye zithelekiswe kuzo zonke iingxelo kunye nexesha. Umcebisi usatolika idatha kwaye enze izigwebo; Inkqubo iqinisekisa ukuba ulwakhiwo olufanayo lusetyenziswa ngalo lonke ixesha kwaye ingxelo esetyenzisiweyo kwisigqibo ngasinye iyagcinwa kwaye ifakwe isitampu sexesha.
Ubalo lokufikeleleka oludityaniswe kwidatha ye-bureau ecwangcisiweyo efanayophelisa uqhawulo phakathi “komthombo” kunye “nespreadsheet.” Xa ii-obligations zizonke zithathwa ngokuzenzekelayo kwii-akhawunti ezifakwe kwingxelo, ikhonkco licacile. Xa ingeniso kunye neendleko zifakwe kwifayile yetyala eliphakathi kwaye intsalela ibalwa ngokwenkqubo, indlela yokusebenza iyahambelana kwaye amanani anokulandelelwa emva kwidatha esisiseko. Loo nto ayisusi imfuneko yomgwebo wobungcali malunga neendleko ezifanelekileyo okanye ukuqinisekiswa kwengeniso; iqinisekisa ukuba isigwebo sisetyenziswa ngaphakathi kwesakhelo esicacileyo, esiphindaphindwayo.
Iifayile zetyala ezibekwe kwindawo enye zithatha indawo yamaxwebhu athe saa. Yonke imbalelwano, iziphakamiso, iimpendulo zababolekisi, kunye namaxwebhu enkundla okanye enkundla anokugcinwa kwindawo enye, ngokulandelelana okucacileyo kunye nokuchazwa. Xa i-NCR okanye umphicothi-zincwadi ecela ifayile, umkhuba unokuvelisa iphakheji ehambelanayo: ukungena, iFomu ye-16, iingxelo ze-bureau, uvavanyo, isiphakamiso, iimpendulo, umyalelo kunye nokukhutshwa. Iindlela zophicotho olunesitampu sexesha zibonisa ukuba ngubani ojongileyo okanye osetyenzisiweyo ukuba yeyiphi ingxelo, xa kubalwa, kwanokuba isiphumo sarekhodwa njani. Izixhobo ezilungileyo azithembisi ukuphelisa umngcipheko wokuthotyelwa; benza kube lula ukubonisa ukuba inkqubo ilandelwe kwaye izigqibo zisekelwe kwidatha efanelekileyo.
Iifemu ezivavanyayo isoftware yokucebisa amatyala eMzantsi Afrika kufuneka zijonge ezi zakhono: idatha yetyala ecwangcisiweyo, ingqiqo yokufikeleleka ebotshelelwe kwiingxelo zomthombo, ulawulo lwetyala eliphakathi, kunye neendlela zophicotho ezixhasa uhlolo lwe-NCR. Isoftware kufuneka ixhase ukuhamba komsebenzi womcebisi kuwo onke amanqanaba ukusuka ekuthathweni ukuya kucoceko, hayi kwinyathelo elinye kuphela.
Ukwakha okuPhindwayo,Ukuhamba komsebenzi okuthobelayo
Ukungaguquguquki kumatyala yinto exabiseke ngabalawuli nabaphicothi-zincwadi. Xa ifayile nganye ilandela inkqubo ecwangcisiweyo efanayo-ukungenisa, iFomu ye-16, ukutsalwa kwe-bureau kunye nokuhlalutya, ukuhlolwa kokufikeleleka, isindululo, uthethathethwano, umyalelo, ukubeka iliso, ukukhutshwa-indlela yokusebenza iyabonakala kwaye iyakhuseleka. Iindlela ze-Ad hoc, ngokuchaseneyo, zivelisa iifayile ezahlukileyo ngefomathi, ubunzulu, kunye nokulandeleka. Ityala elinye linokuba nekhonkco elicacileyo ukusuka kwingxelo ye-bureau ukuya kwisindululo; omnye unokuthembela kumanqaku angenakuqinisekiswa. Oko kungahambelani kudala umngcipheko wokuthotyelwa kwaye kwenza kube nzima ukukala.
Ukuqukunjelwa kokusebenza okuphindaphindiweyo akuthethi ukususa isigwebo sobungcali. Kuthetha ukusebenzisa eso sigwebo kwisakhelo esichaziweyo: kwaveliswa iindidi ezifanayo zamaxwebhu, kusetyenziswa imithombo efanayo yedatha, kunye nengqiqo efanayo idibanisa uvavanyo kwisindululo. Amalungu eqela amatsha anokufakwa kwindlela enye yokusebenza. IiHandovers zicocekile kuba ubume befayile yetyala bunokucingeleka. Xa i-NCR iphonononga lo mkhwa, ibona indlela yokuziphatha enokuthi ichazwe kwaye ibonakaliswe, ingeyiyo ingqokelela yeendlela zokuziphatha.
Iifemu ezifezekisa oku zinokukhula ngokuzithemba. Ukongeza iimeko ezininzi akufuni kuqanjwa iinkqubo ezintsha okanye ngethemba lokuba wonke umntu ukhumbula amanyathelo afanelekileyo. Inkqubo-nokuba isekwe kwiphepha kwaye iqeqeshelwe kakhulu okanye ixhaswa yisoftware-inyanzelisa okanye ikhokela ulandelelwano. Iziphumo ziba ziimpazamo zolawulo ezimbalwa, ukuphendula ngokukhawuleza kophicotho-zincwadi, kunye nesenzo esakhelwe ukuthotyelwa kunye nesikali.
Phucula uPhononongo lwakho lokuSebenza kweTyala
Inkqubo yokuphonononga amatyala phantsi kweNCAifuna: izigaba ezininzi, iimfuno ezingqongqo zamaxwebhu, kunye nesidingo sokubonisa indlela yokusebenza xa i-NCR iphonononga iifayile. Iinkqubo zeManuwali kunye nezixhobo zegeneric zihlala zishiya abacebisi bejija iiPDF, iispreadsheets, kunye namaxwebhu athe saa endaweni yokugxila kubathengi. Ukuhamba komsebenzi okucacileyo, inyathelo ngenyathelo elixhaswa yidatha yekhredithi ehleliweyo kunye nokubala okuzenzekelayo kunokunciphisa loo mthwalo kunye nokuphucula ukulungela ukuphicothwa.
I-EvalFin ibonelela ngesoftware yokucebisa ngetyala eyilelwe inkqubo yaseMzantsi Afrika. Idatha ecwangcisiweyo yekhredithi evela kumaziko amakhulu, ukubalwa kokufikeleleka okudityaniswe neengxelo zomthombo, iifayile zetyala ezibekwe embindini, kunye neendlela zophicotho-zincwadi ezifakwe ngamaxesha zixhasa inqanaba ngalinye lokuphononongwa kwamatyala ukusuka ekuthathweni ukuya ekucocweni. Ukuba ufuna ukubona ukuba idatha yetyala ecwangcisiweyo kunye nokuhanjiswa komsebenzi okuzenzekelayo kungakuxhasa njani ukwenza kwakho, dibana no ukucwangcisa idemo.