IFomu 17.2 yeeNgcebiso ngeTyala eMzantsi Afrika | Isikhokelo
Isikhokelo soBuchule kwiFomu 17.2 yokucetyiswa ngamatyala oMzantsi Afrika, kubandakanywa isindululo esifunekayo esiqulathiweyo kunye nekhonkco kwiFomu 16, 17.1, kunye ne-17.3.
Iingcebiso kumatyala emboleko eMzantsi Afrika zenza amaxwebhu abalulekileyo kwinqanaba ngalinye. Ukususela kuvavanyo lokuqala ukuya kwisatifikethi sokucoceka, inyathelo ngalinye livelisa iifom, izatifikethi, kunye nembalelwano ekufuneka ichanekile, ingaguquguquki, kwaye ibuyiswe. IFomu 17.2—isindululo somcebisi wamatyala—yelinye lawona maxwebhu abalulekileyo kwinkqubo. Kukungeniswa okusesikweni okumisela isicwangciso sentlawulo ehlengahlengisiweyo ukuze kuqwalaselwe inkundla okanye inkundla. Nangona kunjalo iifemu ezininzi ziyasokola kulungiselelo, ukungaguquguquki, kunye nokugcinwa kweerekhodi malunga neFomu 17.2 kunye nekhonkco elibanzi lamaxwebhu. Iimpazamo kwimiba yokulibaziseka kwesindululo, ukudala umngcipheko wokuthotyelwa, kunye nokunciphisa ukuzithemba kwinkqubo. Esi sikhokelo sicacisa ukuba iyintoni na iFomu 17.2, ingena njani kwitsheyina lamaxwebhu apheleleyo, yeyiphi imingeni eqhelekileyo ejongene nayo iifemu, kunye nendlela yokucwangcisa ukuhamba kwakho komsebenzi ukuze amaxwebhu axhase kunokuba athintele ukuthobela ukucetyiswa kwamatyala.
Yintoni iFomu 17.2 kwaye kutheni ibalulekile
IFomu 17.2 luxwebhu lwesindululo olusesikweni oluthi umcebisi wamatyala alungenise phantsi koMthetho wamaTyala weSizwe kunye nenkqubo yokuphonononga amatyala. Ichazwe phantsi koMthetho kunye nemimiselo kwaye imele uhlengahlengiso olucetyiswa ngumcebisi: ngawaphi amatyala afakiweyo, ngawaphi amagama ancitshisiweyo okanye awandisiweyo acetywayo, kwaye umboleki uya kumhlawula njani umbolekisi ngamnye ekuhambeni kwexesha. Ifom ayiloyilo okanye uxwebhu lokusebenza lwangaphakathi. Kukungeniswa okusemthethweni apho iinkundla, iinkundla, kunye nabanikezeli bekhredithi baxhomekeke ekuthatheni isigqibo sokuba bayalwamkela na uhlenga-hlengiso okanye bachase. Ukuchaneka nokugqibelela ngoko ke kubalulekile.
Ifomkufuneka iqulathe isicwangciso sentlawulo ehlengahlengisiweyo ngokweenkcukacha ezaneleyo ukuze umntu ngamnye otyalwayo aqonde oko kucetywayo. Oko kuquka iinkcukacha zomntu otyalwayo, iireferensi zeakhawunti, iibhalansi zangoku (ezilungelelaniswe nesatifikethi semali eseleyo apho kuyimfuneko), izavenge ezicetywayo zenyanga, uhlengahlengiso lwexesha elicetywayo, kunye nayo nayiphi na inzala okanye imvumelwano yentlawulo eboniswe kwisindululo. Umahluko phakathi kwamanani akwiFomu 17.2 kunye nesiseko ingxelo yetyala okanye isatifikethi sebhalansi kunokukhokelela kwinkcaso, ukulibaziseka, okanye ukwaliwa. Iinkundla kunye nezigqeba zilindele ukuba isiphakamiso sihambelane nedatha eyixhasayo. Xa amanani engahambelani, ukuthembeka kwayo yonke into engenisiweyo kuyajongelwa phantsi.
Ukubaluleka ngokusemthethweni kweFomu 17.2 kunabela ngaphaya kwetyala elikhawulezileyo. Iyinxalenye yobungqina bendlela umcebisi wamatyala awavavanye ngayo ubume bomboleki kunye noko bakucebisayo. Ukuba isikhalazo sifakiwe okanye i-NCR yenza uphicotho-zincwadi, isiphakamiso kunye namaxwebhu aso axhasayo kufuneka abonise ukuba umcebisi usebenzise indlela evakalayo kwaye amanani athathwe kwidatha yemithombo eqinisekisiweyo. Ukulungiselela kakubi okanye amaxwebhu angahambelaniyo enza kube nzima ukukhusela izigqibo kwaye kunokubangela iziphumo zokuthotyelwa. Ukuqonda ukuba ifom kufuneka iqulathe ntoni kunye nokuqinisekisa ukuba imiliselwe kwidatha ecwangcisiweyo, enokulandeleka yinxalenye ephambili yengcebiso yamatyala aphantsi kwe-UMthetho wamaTyala weSizwe.
Uxwebhu olungundoqo kuyo yonke iNkqubo yokuHlolwa kweTyala
Inkqubo yokuphonononga amatyala phantsi kweNCA ivelisa ulandelelwano oluchaziweyo lwamaxwebhu. Ngamnye unenjongo eyahlukileyo kwayeabaphulaphuli, kwaye kunye benza ikhonkco lobungqina ukusuka kwisaziso ukuya kucociso. Ukuqhelana neli khonkco kukunceda uqinisekise ukuba yonke ifayile yetyala igqityiwe kwaye akukho nto iphosakeleyo xa ulungiselela inkundla, uphendula abatyalwayo, okanye ujongene nophicotho.
IFomu ye-16 sisaziso esiya kwiziko eligcina inkcazelo ngeentengo zemboleko ukuba umboleki wenze isicelo sokuhlolwa kwetyala. Ingeniswa kwangethuba kwinkqubo kwaye iqinisekisa ukuba irekhodi yomboleki yekhredithi ibonisa ubume bokuhlolwa kwetyala. Oku kukhusela umboleki ekwandisweni kwetyala ngeli lixa siphantsi kovavanyo kunye nemiqondiso kushishino yokuba inkqubo iqalisile. Ukungeniswa kweFomu ye-16 ngokuqhelekileyo lelinye lamanyathelo okuqala asesikweni emva kovavanyo lokuqala kunye nokwamkelwa komsebenzisi kwinkqubo.
IFomu 17.1 sisiqinisekiso sebhalansi, esibonisa iibhalansi ezifanele ukuhlawulwa ngumbolekisi ngamnye ngexesha elithile. Amanani akwiFomu 17.2 kufuneka ahambelane neFomu 17.1 (okanye nelona ziko langoku okanye iinkcukacha zabatyalwayo apho i-17.1 ihlaziyiwe). Ukungahambelani phakathi kwesatifikethi kunye nesiphakamiso kudala ukudideka kwaye kunokukhokelela ekuchaseni okanye ekukhatyweni. IFomu 17.2 sisindululo somcebisi wamatyala, esingeniswe enkundleni okanye kwinkundla yamatyala nakubaniki-nkonzo zeentengo zemboleko; ukulungiswa kwayo kuxhomekeke kumanani achanekileyo asuka kwiFomu 17.1 kunye nakwisiseko iingxelo zetyala. Ifom 17.3 ngumyalelo wemvume-isiphumo esisemthethweni xa isindululo samkelwe-kwaye kufuneka sihambelane noko kucetywayo. Isiqinisekiso sococeko sikhutshwa xa umboleki egqibe zonke izibophelelo kwaye equkumbela ikhonkco; ifayile kufuneka iyigcine njengeqhekeza lokugqibela.La maxwebhu enza ibali elinye: isaziso, ukuqinisekiswa kweebhalansi, isindululo, umyalelo wemvume, kunye nokukhutshwa. Izikhewu okanye ukungahambelani kuyo nayiphi na ikhonkco kunciphisa ikhonkco lonke kwaye kudala umngcipheko. Ngomfanekiso ogcweleyo wokuba la manyathelo angena njani kwinkqubo yokuphela ukuya ekupheleni, bona imbono yethu ye- inkqubo yokuphonononga amatyala eMzantsi Afrika. Iifemu ezisebenzisa isoftware yokucebisa amatyala ezakhelwe ukuhamba komsebenzi zaseMzantsi Afrika zihlala zikufumanisa kulula ukugcina olu khonkco kuba idatha yetyala kunye namaxwebhu agcinwe ndaweninye kwaye adityaniswa ngokuthe ngqo.
Imingeni yoXwebhu oluQhelekileyo lweeFirms
Abasebenzi bajongana nemingeni emininzi ephindaphindiweyo xa belungiselela kwaye belawula amaxwebhu okucebisa amatyala. Ukuqaphela oku kukunceda ukuba uchonge apho inkqubo yakho inokuba phantsi koxinzelelo kwaye apho uphuculo luya kuba nefuthe elikhulu.
Ukuzalisa ngesandla iifom ezivela kwiingxelo zetyala lePDF yenye yezona zinto zidla ixesha kwaye zinempazamo kwindlela yokusebenza. Iingxelo zetyala ezivela kwi-Experian, Datanamix, TransUnion, okanye ezinye iiofisi zihlala zifika njengeePDF. Abacebisi kufuneka bayifunde iPDF, bakhuphe iinkcukacha ze-akhawunti neebhalansi, baze bazifake kwakhona kwiFomu 17.2 (kunye nakwiFomu 17.1 apho kufanelekileyo). Eli nyathelo lokukhuphela lizisa iimpazamo: iinombolo zeakhawunti ezingalunganga, amanani atshintshiweyo, okanye iiakhawunti eziphosiweyo. Xa umthombo unamaphepha amaninzi ePDF enezakhiwo ezahlukahlukeneyo, umngcipheko uyanda. Akukho nxulumaniso oluzenzekelayo phakathi kwengxelo kunye nefom, ngoko ke xa umphicothi-zincwadi ebuza ukuba yeyiphi ingxelo esetyenzisiweyo ukugcwalisa isindululo, impendulo inokufuna ukutshekishwa ngesandla.
Ukungangqinelani phakathi kwedatha yeziko kunye namanani esiphakamiso sisiphumo esithe ngqo semanyuwaliushicilelo kunye nokusebenzisa imithombo eyahlukeneyo yedatha ngamaxesha ahlukeneyo. Ibhalansi kwingxelo yekhredithi inokuthi ihlaziywe liziko emva kokuba umcebisi ejonge okokugqibela; umbolekisi usenokuba unike ibhalansi eyahlukileyo kwiFomu 17.1. Ukuba isindululo asihlaziywanga ukubonisa umthombo omnye okanye umhla ofanayo, amanani akwiFomu 17.2 anokwahluka kwinto elindelwe ngabatyalwayo kunye nenkundla. Ukusombulula oku kungangqinelani kuchitha ixesha kwaye kunokulibazisa okanye kuphazamise isicelo.
Ulawulo lwenguqulelo xa izindululo zihlaziywa yenye ingxaki eqhelekileyo. Izindululo zihlala zilungiswa emva kwengxelo yombolekisi okanye ibhalansi ehlaziyiweyo. Ngaphandle koguqulelo olucacileyo kunye nesitampu sexesha, iifemu zisemngciphekweni wokungenisa uyilo oluphelelwe lixesha okanye zingakwazi ukubonisa ukuba yeyiphi inguqulelo ethunyelwe enkundleni okanye kumntu otyalwayo. Ukugcina kunye nokubuyisela amaxwebhu kuwo onke amatyala nako kuba nzima njengoko umthamo ukhula. Iifayile zetyala zisasazeke kuzo zonke iidrayivu ezikwabelwana ngazo, i-imeyile, kunye noomatshini basekuhlaleni benza ukuba kudle ixesha ukufumana iFomu 17.2 echanekileyo, iFomu 17.1, kunye nengxelo yekhredithi yetyala elinikiweyo. Xa i-NCR icela iifayile okanye isikhalazo sifakwe, ukukwazi ukuvelisa ifayile epheleleyo ngokukhawuleza kubalulekile; ugcino olungalungelelananga luyayijongela phantsi loo nto.
Ukuqinisekisa ukugqibelela kwamaxwebhu ngexesha lophicotho lwe-NCR kunzima ngakumbi xa ikhonkco liqhekekile. Abaphicothi-zincwadi balindele ukubona ukulandelelana okupheleleyo kwamaxwebhu kwimeko nganye, kunye nekhonkco ecacileyo phakathi kwedatha yekhredithi esetyenzisiweyo, isatifikethi sebhalansi, isiphakamiso, kunye nesiphumo. Xa amaxwebhu esasazekile okanye xa ikhonkco phakathi kwengxelo ye-bureau kunye nesiphakamiso singacacanga, ifemu inobunzimabonisa ukuba kulandelwe inkqubo eyiyo. Oku kunokukhokelela ekuthotyelweni kweziphumo naxa umsebenzi osisiseko ubuvakala.
Indlela Amaxwebhu aMatye awenza ngayo umngcipheko
Imiphumo yamaxwebhu abuthathaka yinyani kwaye inokuchaphazela zombini isiphumo samatyala ngamnye kunye nokuma kwenkampani kunye nabalawuli kunye neenkundla.
Iziphakamiso ezikhatywayo zisisiphumo esithe ngqo seempazamo okanye ukungangqinelani kwiFom 17.2 okanye amaxwebhu axhasayo. Iinkundla kunye nenkundla zingakhaba okanye zizirhoxise izicelo xa amanani engadibanisi, xa iinkcukacha zombolekisi azichanekanga, okanye xa isindululo sichasana nesatifikethi sebhalansi. Ukulahlwa ngakunye okanye ukumiswa kulibaziseko kumthengi kwaye kongeza iindleko kunye nokusebenza ngokutsha kwefemu. Kwezinye iimeko, iimpazamo eziphindaphindiweyo zinokuchaphazela umbono wenkundla malunga nobuchule befemu.
Iziphumo zokuthotyelwa kwe-NCR zivela xa abaphicothi-zincwadi bengakwazi ukubona ikhonkco lamaxwebhu elipheleleyo, elingaguqukiyo. I-NCR ilindele ukuba abacebisi bamatyala bagcine iirekhodi ezifanelekileyo kwaye babonise ukuba iingcebiso zisekelwe kwidatha efanelekileyo kunye neendlela. Iifayile ezingaphelelanga, unxibelelwano olulahlekileyo phakathi kweengxelo kunye neziphakamiso, okanye ukungakwazi ukuvelisa amaxwebhu ngesicelo kunokubangela iziphumo, iimfuno zokulungisa, okanye kwiimeko ezinzima iinkqubo zoluleko okanye zokucinywa kobhaliso. Umngcipheko wokuthotyelwa awukho malunga nomxholo wesindululo kuphela kodwa malunga nokukwazi ukubonisa indlela eveliswe ngayo kwaye kutheni ifanelekile.
Ukungakwazi ukukhusela izigqibo ngexesha lezikhalazo ngomnye umphumo. Xa umboleki okanye umbolekisi ekhalaza, i-firm kufuneka ikwazi ukubonisa ukuba yeyiphi idatha esetyenzisiweyo, indlela isiphakamiso esibalwe ngayo,kwaye kwakutheni ukuze kwenziwe isindululo. Ukuba amaxwebhu akaphelelanga okanye ikhonkco phakathi kwengxelo yekhredithi kunye nesiphakamiso asicacanga, i-firm ayikwazi ukukhupha ukhuseleko olucacileyo. Isikhalazo sinokuxhaswa kungekhona ngenxa yokuba isiluleko sasingalunganga kodwa ngenxa yokuba inkqubo ayinakubonakaliswa.
Ixesha elichithwe ukwenza umsebenzi kwakhona xa amaxwebhu elahlekile okanye engagqitywanga yindleko yokusebenza. Abacebisi kufuneka baphinde baqulunqe izindululo ukusuka ekuqaleni ngenxa yokuba inguqulelo echanekileyo ayifumaneki, okanye ngubani ekufuneka akhuphe kwakhona idatha kwiiPDF ngenxa yokuba unxibelelwano lwangaphambili aluzange lurekhodwe, bachithe ixesha ekusebenzeni kwakhona okunokuphepheka. Elo xesha linokuchithwa kumatyala amatsha okanye kuqinisekiso lomgangatho. Ukungahambi kakuhle kwamaxwebhu ngoko ke kunefuthe elithe ngqo kumthamo kunye nenzuzo.
Uqulunqo loLwakhiwo lokuThengisa nokuThobela
Eyona ndlela ilungileyo kukuphatha ikhonkco lamaxwebhu njengesiphumo esicwangcisiweyo sokuhamba kwetyala, hayi njengento ecingelwayo. Le migaqo ilandelayo inceda ukufezekisa ukuhambelana nokuthotyelwa.
Lungiselela ukuhamba komsebenzi ukuze yonke imeko ivelise ulandelelwano lwamaxwebhu olufanayo. Ukususela kuvavanyo lokuqala ukuya kutsho kucoceko, chaza amanyathelo kunye namaxwebhu ekufuneka inyathelo ngalinye liwavelise. Xa umcebisi ngamnye elandela ukuhamba komsebenzi ofanayo, iifayile zetyala ziyathelekiseka, uqeqesho lulula, kwaye abaphicothi-zincwadi babona indlela ephindaphindwayo. I-Ad hoc approaches-apho umcebisi omnye egcina amaxwebhu ngendlela enye kwaye enye ngendlela eyahlukileyo-ukudala ukungahambisani nokwandisa ithuba lokungabikho kwamaxwebhu okanye amanyathelo.
Xhumanisa izindululo kwidatha yeofisi yomthombo ngokucacileyo. Ukungeniswa kweFomu 17.2kufuneka ilandelelwe kwingxelo yekhredithi ethile okanye iingxelo ezisetyenzisiweyo ukuyigcwalisa. Kuseto olululo, inkqubo irekhoda ingxelo eyatsalwayo, nini, kwaye yeyiphi na imeko, kwaye isiphakamiso senziwe okanye sifakwe kwidatha eyakhiweyo kunokuba kukhutshelwe ngesandla. Elo khonkco liyafumaneka ukuze liphicothwe: umphicothi-zincwadi unokubona ukuba isiphakamiso sithathwe kumthombo ochaziweyo kwaye unokuqinisekisa ukuhambelana. Oku kuhambelana ne- Iimfuno zokugcina iirekhodi zeNCA kunye nokulindelwe yi-NCR xa ijonga iifayile.
Gcina iirekhodi ezinesitampu sexesha ukuze ulandelelwano lweziganeko lucace. Yatsalwa nini ingxelo? Sadalwa nini okanye sagqityezelwa nini isindululo? Yangeniswa nini? Izitampu zexesha zixhasa ulawulo lwangaphakathi lomgangatho kunye nophicotho-zincwadi lwangaphandle. Banceda ukusombulula iingxabano malunga nokuba yeyiphi na inguqulelo ekhoyo ngexesha elinikiweyo kwaye babonise ukuba umsebenzi wenziwe ngolandelelwano olunengqiqo.
Qinisekisa ukuba iifomu zigcwaliswa ngokusuka kwidatha ecwangcisiweyo endaweni yokukhutshelwa ngesandla nanini na kunokwenzeka. Xa idatha ye-akhawunti kunye nebhalansi ibanjwe kwifomathi ehleliweyo (umzekelo, emva kokwahlula ingxelo yekhredithi kwi-schema engaguqukiyo), loo datha ingasetyenziselwa ukugcwalisa kwangaphambili iFomu 17.2 kunye neefom ezinxulumene nazo. Oku kunciphisa iimpazamo zezitshixo, kukhawulezisa ukulungiselela, kwaye kudala ikhonkco elizenzekelayo phakathi kwedatha yomthombo kunye nesiphakamiso. Injongo ayikokususa isigwebo sobungcali-kukuqinisekisa ukuba idatha esondla isindululo ichanekile kwaye iyalandeleka.
Indlela iSoftware exhasa ngayo ukuHamba koMsebenzi woXwebhu
Isoftware yeengcebiso zamatyala eyakhelwe-njongo inokujongana nemingeni emininzi echazwe ngasentla. InjongoApha asikokuthengisa imveliso ethile kodwa kukucacisa ukuba zeziphi izixhobo ezifanelekileyo ekufuneka zisebenze ukuze ukwazi ukuvavanya iinketho ngokuchasene neemfuno zakho.
Isoftwe engenisa kwaye iqulunqe idatha yengxelo yetyala inokuphelisa okanye inciphise ushicilelo ngesandla. Xa iingxelo ezivela kwi-Experian, Datanamix, okanye enye i-bureaux ihlanjululwe kwifomathi ehambelanayo, inkqubo inokukhupha imimandla yesiphakamiso ukusuka kuloo datha. Ibhalansi kunye nolwazi lombolekisi luhamba lusuka kwingxelo ukuya kwifom ngaphandle kokuphinda-keying, ukunciphisa iimpazamo kunye nokudala unxibelelwano oluthe ngqo phakathi komthombo kunye nesiphakamiso. Ulawulo lwecase-centric document lugcina ikhonkco elipheleleyo kwindawo enye kwimeko nganye: IFomu 16, 17.1, 17.2, 17.3, isatifikethi sokucoceka, kunye neengxelo ezisisiseko ezigcinwe kwaye ziqhagamshelwe kwirekhodi yetyala. Ukufumana kwakhona kuba ngumcimbi wokuvula ifayile yetyala kunokukhangela kwiidrives kunye nee-imeyile.
Uphicotho-zincwadi lurekhoda ukuba ngubani owenze ntoni kwaye nini-ingxelo yokutsalwa, ukuyilwa kwesindululo okanye izilungiso, ukungeniswa-kunye nezitampu zexesha kunye nezazisi zabasebenzisi. Oko kuxhasa uqwalaselo lwangaphakathi kunye nophicotho-zincwadi lwangaphandle: ungabonisa ukuba isindululo besisekelwe kwingxelo ethile kwaye inguqulelo engenisiweyo ibiyeyona ichanekileyo. Ukuhambelana kwimiba kulula xa ukuhanjiswa komsebenzi okufanayo kunye nezakhiwo zedatha zisetyenziselwa ifayile nganye. Isoftware enyanzelisa okanye ekhokela ukuhamba komsebenzi inceda ekuqinisekiseni ukuba akukho nyathelo liphosiweyo kwaye yonke ifayile yemeko idibana nomgangatho ofanayo. Olu luhlobo lwenkxaso isoftware yeengcebiso zamatyala kwiifemu zaseMzantsi Afrika eyilelwe ukunika, ehambelana namaxwebhu kunye ukuthobela nokulindelweyo kwi-NCR kunye neenkundla.
Yomeleza ukuqhutywa komsebenzi wakho woxwebhu
Ifom 17.2kunye nesixokelelwano esibanzi samaxwebhu angundoqo ekuthotyelweni, nokululekwa ngokufanelekileyo ngamatyala. Xa ukulungiswa kuhambelana, amanani alandelelwa kwidatha yomthombo, kwaye ikhonkco elipheleleyo ligcinwa kwaye libuyiselwa kwimeko nganye, unciphisa umngcipheko weziphakamiso ezikhatywayo, ukufunyaniswa kwe-NCR, kunye nezikhewu zokukhusela. Ukulungelelanisa ukuhamba komsebenzi, ukunxulumanisa izindululo kwidatha yeziko, kunye nokugcinwa kweerekhodi ezifakwe istampu sexesha ziinkqubo ezihlawulayo ekulungelweni kophicotho-zincwadi nasekuqhubeni kakuhle imiba yomntu ngamnye.
Ukuba ifemu yakho ikulungele ukuphucula indlela olungisa ngayo kwaye ulawule amaxwebhu eengcebiso kumatyala, Qhagamshelana nathi ukubona ukuba idatha yetyala kunye namaxwebhu azenzekelayo anokuxhasa njani ukucetyiswa kwetyala. I-EvalFin inceda abacebisi bamatyala abanelayisenisi bafake phakathi idatha yengxelo yetyala, bavelise kwaye bazalise iifomu ezivela kuloo datha, kwaye bagcine iindlela ezicacileyo zophicotho-ukuze uxwebhu lwakho lomsebenzi luxhase kunokuba luthintele ukwenza kwakho.