Ukuzenzakalela koVavanyo lweTyala kubaBolekisi abancinci eMzantsi Afrika
Isikhokelo esisebenzayo sababolekisi abancinci ababhalisiweyo yi-NCR abazenzele uvavanyo lwetyala ngedatha ecwangcisiweyo yeofisi, ingqiqo yokufikeleleka, kunye nolawulo lokuthotyelwa.
Ababolekisi ngemali abancinci eMzantsi Afrika basebenza phantsi kwenkqubo-sikhokelo yolawulo efanayo nababoneleli ngetyala abakhulu. I-National Credit Act (NCA) kunye ne-National Credit Regulator (NCR) zisebenzisa iimfuno ezifanayo zokufikeleleka, amaxwebhu, kunye nokugcinwa kweerekhodi nokuba uyibhanki okanye ungumniki-nkonzo yeentengo zemboleko omncinci obhalisiweyo. Nangona kunjalo uninzi lwababolekisi abancinci baxhomekeke kuvavanyo lwetyala ngesandla: ukutsala ii-PDF zamaziko, ukuzifunda ngesandla, kunye nokwenza izigqibo ezisekelwe kumava kunendlela emiselweyo. Njengoko imiqulu yesicelo ikhula kwaye i-NCR yandisa umsebenzi wokunyanzeliswa, iinkqubo zezandla zenza i-bottlenecks, ukungahambelani, kunye nokuvezwa kokuthotyelwa. Ukuzivavanya ngetyala ngokuzenzekela akuseyonto yokunethezeka — yinto eyimfuneko ekusebenzeni.
Umngeni woVavanyo loMboleki-mali omncinci
Ababolekisi abancinci basebenza kunye namaqela amancinci, amaxesha amaninzi phakathi kwabantu ababini ukuya kwabalishumi abaphatha izicelo, ukuthobela kunye nokusebenza. Umthamo wezicelo unokuba phezulu xa kuthelekiswa namanani abasebenzi, ngakumbi ngexesha lencopho okanye xa ukuthengisa kuqhuba izikhokelo ezintsha. Imida iqinile kuneebhanki ezinkulu, ngoko ukungasebenzi kuyabiza: iyure nganye echithwe ekufundeni ingxelo ngesandla okanye ukufakwa kwedatha okuphindwe kabini kuchaphazela ngqo inzuzo. Kwangaxeshanye, ujongene nokufikeleleka kweNCA kunye neemfuno zamaxwebhu njengamaziko anamasebe azinikeleyo othotyelo. Kusafuneka wenze uhlolo olufanelekileyo lokufikeleleka, ugcine iingxelo zamaziko kunye neerekhodi zezigqibo, kwaye ubenakho ukubonisa kwi-NCR ukuba zenziwe njani kwaye kutheni izigqibo zenziwe.
Uninzi lwababolekisi abancinci basatsala iiPDF kwi-Experian, Datanamix, okanye TransUnion,zivule kumbukeli, kwaye ufunde kumaphepha okuziphatha kweakhawunti, uluhlu olubi, kunye nembali yentlawulo. Abavavanyi bakhupha amanani abalulekileyo ngengqondo okanye ngokubhala amanqaku, emva koko bawathelekise ngokuchasene nemithetho yangaphakathi yokuboleka enokubakho kuphela entloko yomntu okanye kuluhlu lokukhangela olungekho sikweni. Izigqibo zenziwa ngokusekelwe kumava kunye nesigqibo, esinexabiso, kodwa inkqubo ihamba kancinane, ayihambelani phakathi kwabavavanyi, kwaye ibhalwe kakubi. Xa i-NCR okanye umphicothi-zincwadi ebuza ukuba isigqibo esithile sifikelelwe njani, ukwakha kwakhona ibali kwii-PDF ezihlakazekileyo kunye nee-imeyile kunzima. Ibha yokulawula iyafana nokuba unabavavanyi ababini okanye amakhulu amabini; Umahluko kukuba ababoneleli abakhulu bahlala beneenkqubo ezizinikeleyo kunye namaqela okuthobela ukulawula umthwalo. Ukuze ufumane umbono obanzi wokuba umnikezeli wekhredithi yesoftware eyixhasa njani le nkqubo, bona eyethu Isikhokelo sesoftware yababoneleli bamatyala eMzantsi Afrika.
Kutheni uVavanyo Lwezandla lungalingani
Njengoko umthamo ukhula, ixesha ngovavanyo ngalinye alinciphi. Ingxelo yeziko ngalinye isafika njengePDF ekufuneka ivulwe, ifundwe, kwaye itolikwe. Akukho kwakheka ngokuzenzekelayo kwedatha, akukho metrics yokufikeleleka ebalwe kwangaphambili, kwaye akukho mbono isemgangathweni yezalathi zomngcipheko. Abavavanyi basebenza ngeengxelo nganye nganye, kwaye umsebenzi osemva ukhula ngokomlinganiselo womthamo wezicelo. Impendulo yendalo kukuqesha abasebenzi abaninzi, kodwa oko konyusa iindleko ngaphandle kokujongana nokusilela okusisiseko. Inkqubo ngokwayo ihlala isenziwa ngesandla, kwaye abantu abaninzi ababandakanyekayo, ukungaguquguquki kudla ngokuba mandundu.
Ukungangqinelani phakathi kwabavavanyi kwandisa umngcipheko ongagqibekanga. Omnye umvavanyi unokujolisa kakhulu kumatyala angekahlawulwa;omnye unobunzima betyala-kwingeniso kakhulu okanye atolike “uluhlu olubi” ngokwahlukileyo. Ngaphandle kweekhrayitheriya ezicwangcisiweyo kunye nombono okwabelwana ngawo wedatha, abafaki zicelo abafanayo banokufumana unyango oluhlukileyo. Oko kuguquguquka kunzima ukuthethelela kubalawuli kwaye kunokukhokelela kuzo zombini iziphumo ezingalunganga kunye nemiba yobulunga bepotfoliyo. Izikhewu zamaxwebhu ziyayidibanisa le ngxaki. Xa izigqibo zirekhodwa kwisicatshulwa samahhala okanye kwiinkqubo ezahlukeneyo ukusuka kwidatha ye-bureau, ikhonkco phakathi kwezinto eziboniweyo kunye nesigqibo esigqityiweyo sibuthathaka. Izikhewu zibe lityala lophicotho-zincwadi xa i-NCR okanye umhlalutyi wangaphakathi engakwazi ukulandela uhlolo olupheleleyo. Ukuze ufumane isikhokelo sokutolika iingxelo ezingagungqiyo, bona ifundwa njani ingxelo yetyala eMzantsi Afrika.
Kuthetha ukuthini ukuziSebenzisa kuVavanyo lweTyala
Ukuzenzekela kulo mongo akuthethi ukutshintsha isigwebo somntu ngebhokisi emnyama. Kuthetha ukuqulunqwa kwedatha kunye nokuhamba komsebenzi ukwenzela ukuba abavavanyi basebenze ngokukhawuleza kwaye ngokuqhubekayo ngelixa inkqubo ilungiselela kunye namaxwebhu. Umntu usathatha isigqibo; Inkqubo ingenisa idatha ye-bureau, inikezela ngefomathi esemgangathweni, kwaye irekhoda inyathelo ngalinye lokuthotyelwa.
Ukungeniswa kwedatha ye-bureau ngokuzenzekelayo kuthetha ukuba xa ingxelo itsalwa, idatha ekrwada iyacalulwa kwaye iqheleke kwiinkalo ezicwangcisiweyo: ii-akhawunti, ukuziphatha, ibhalansi, ulwazi olubi. Abavavanyi babona izalathisi ezingundoqo zomngcipheko kuyilo oluhambelanayo endaweni yokuzingela ngamaphepha ePDF. Izibalo zokufikeleleka ezilungiselelwe kwangaphambili - ityala-kwingeniso, i-instalment-to-ingeniso, okanye iifomyula zakho - zinokusetyenziswa ngokusebenzisa amagalelo afanayo rhoqo, ukunciphisa iimpazamo zokubala kunye nokuqinisekisa indlela ehambelana ne-NCA.Ukufunyaniswa koluhlu olubi kunye nokufakela iflegi kunokugqamisa izigwebo, ukungagqibeki, okanye olunye ulwazi olubi ukuze kungabikho nto iphoswayo. Inkqubo inokuthi ifanelekele izicelo ezichasene nemithetho yakho yangaphakathi yokuboleka imali, ibonise ukupasa/ukusilela okucacileyo okanye ibhekiselele kwiziphumo ngelixa ushiya isigqibo sokugqibela kumvavanyi. Ngalo lonke ixesha, i-bureau yonke itsala, ubalo, kunye nesigqibo sinokufakwa istampu sexesha kwaye siyalelwe, sivelisa i- umkhondo wophicotho ohlangabezana nolindelo lwe-NCR. Isiphumo kukuba uvavanya izicelo ezininzi kunye neqela elifanayo kwaye unciphise umngcipheko ongagqibekanga ngokusebenzisa imigaqo ehambelanayo, ngaphandle kokususa umvavanyi onamava kwi-loop. I-automation ixhasa umvavanyi; ayithathi ndawo.
Iindawo eziphambili apho ababolekisi abancinci banokuzenzela khona
Imimandla emithandathu inika impembelelo ephezulu kubabolekisi abancinci: ukuphathwa kwengxelo ye-bureau, ukufikeleleka kunye nokubalwa kwetyala-kwingeniso, ukubhaqwa koluhlu olubi, ukufaneleka kwangaphambili ngokuchasene nemithetho yangaphakathi, ukubhalwa kwezigqibo kunye nomkhondo wophicotho, kunye nokugcinwa kwengxelo kunye nokufunyanwa. Ukujongana nala manqaku ngolandelelwano lwamanqaku akho amakhulu entlungu kuya kuzisa iziphumo ngaphandle kokufuna ukukrazula ngokupheleleyo kunye nokubuyisela imikhwa ekhoyo.
Ingxelo ye-Bureau iyatsala kunye nokwakhiwa kwedatha. Phambi kokuzenzekela, umvavanyi ungena kwelinye okanye ngaphezulu kweephothali zeziko, acele ingxelo, akhuphele iPDF, aze ayifunde ngesandla. Emva kokuzenzekelayo, ingxelo itsalwa ngaphakathi kokuhamba komsebenzi wakho (okanye kwiqonga elidibeneyo), kwaye idatha ihlahlelwa kwiindawo ezicwangcisiweyo. Iiakhawunti, indlela yokuhlawula, ibhalansi, kunye nolwazi olubi luvela kwimbono eqhelekileyo. Abavavanyi bachitha ixesha elincinci lokufumana ulwazi kunye nexesha elininzi lokuvavanyayona. Idatha ecwangcisiweyo efanayo inokuqhuba amanyathelo alandelayo: izibalo zokufikeleleka, ukuhlolwa okungalunganga, kunye namaxwebhu esigqibo.
Ukufikeleleka kunye nokubalwa kwetyala-kwingeniso. Ngezandla, unokuthatha amanani kwiPDF, uwafake kwispreadsheet okanye isibali, kwaye usebenzise imiqobo yepolisi yakho. I-automation ivumela umvuzo, ityala esele likho, kunye nezavenge ezicetywayo ukuba zifakwe kwiifomula ezicwangcisiweyo. Ityala-kwingeniso kunye nezinye iindlela zokufikeleleka zibalwa ngokuqhubekayo kwisicelo ngasinye, esilungelelaniswe ne- Iimfuno zokufikeleleka kweNCA. Amagalelo kunye neziphumo zigcinwa kunye nesicelo, ngoko ke indlela yokusebenza ibhaliwe kwaye iphinda iphinde yenziwe.
Ukubhaqwa koluhlu olubi kunye nokufaka iflegi. KwiPDF, ulwazi olubi lunokungcwatywa kumacandelo amade. Iinkqubo ezizenzekelayo zinokucalula idatha engalunganga kunye nezigwebo zeflegi, ukungagqibeki, ukuphononongwa kwamatyala, okanye olunye uluhlu olubalulekileyo kumgaqo-nkqubo wakho. Abavavanyi bayacelwa ukuba bathathele ingqalelo ezi zinto ngokucacileyo, banciphise amathuba okuba izalathi zomngcipheko omkhulu zingahoywa. Iiflegi ziyinxalenye yerekhodi efanayo kunye nedatha ye-bureau kunye nesigqibo, ukomeleza umkhondo wophicotho.
Isiqinisekiso sangaphambili ngokuchasene nemigaqo yangaphakathi yokuboleka imali. Ungayibhala ipolisi yakho - umvuzo ophantsi, ubuninzi betyala-kwingeniso, ukukhutshwa kweziganeko ezithile ezimbi - kwimithetho enokulungiseka. Inkqubo inokufaneleka kwangaphambili izicelo kwaye iveze isiphumo esicetyiswayo (ivume, yale, idlulisele) ngelixa ifuna umvavanyi ukuba aqinisekise kwaye abhale isigqibo sokugqibela. Oku kukhawuleza amatyala acacileyo kwaye kuqinisekise ukuba amatyala asemdeni afumana uvavanyo oluhambelanayo.
Amaxwebhu esigqibo kunyeumkhondo wophicotho. Ngesandla, ingqiqo isoloko ichwethezwa kwisistim eyahlukileyo okanye igcinwe kwii-imeyile. Ngokuzenzekelayo, isigqibo kunye nengqiqo zirekhodwa kwindawo efanayo kunye nedatha ye-bureau kunye nokubala. Utsalo lweziko ngalinye lugximfizwe ngamaxesha kwaye lubalulwe; isigqibo ngasinye sidityaniswe nedatha eyazisayo. Wakha iirekhodi ezilungele ukuphicothwa njengenxalenye yokuqhubekeka komsebenzi endaweni yokuphinda uwakhe kamva.
Ugcino lwengxelo kunye nokufunyanwa kwakhona. IiPDF kwiifolda ekwabelwana ngazo okanye kwiibhokisi zemiyalezo engenayo kunzima ukuziphendla kwaye ziqhagamshelane nezicelo ezithile. Ukuhamba komsebenzi okuzenzekelayo kudla ngokuncamathisela ingxelo nganye ukutsalwa kwisicelo esichanekileyo kwaye siyigcine ngemetadata epheleleyo. Xa ufuna ukufumana ingxelo yophicotho-zincwadi, isikhalazo, okanye uphononongo kwakhona, iyafunyanwa kwaye ibotshelelwe ngokucacileyo kwisigqibo esisetyenzisiweyo. Oko kunciphisa ixesha elichithwe ekuzingeleni iifayile zembali kwaye iqinisekisa ukuba xa i-NCR icela ubungqina, unokuvelisa ingxelo echanekileyo eyayisetyenziselwa isigqibo esinikiweyo ngaphandle kokungaqondakali.
IiNzuzo zokuThobela zoVavanyo oluzenzekelayo
I-Automation ixhasa ukuthotyelwa kweNCA ngeendlela eziphathekayo. Ukusetyenziswa okungaguqukiyo kwendlela yokuboleka imali kuthetha ukuba abafaki-zicelo abafanayo bavavanywa kusetyenziswa indlela efanayo; oko kunciphisa umngcipheko weziphumo ezingafanelekanga okanye zocalucalulo kwaye kwanelisa ulindelo lwabalawuli ukwenzela inkqubo enobulungisa, ephindaphindwayo. Uvavanyo olubhaliweyo lokufikeleleka lubonisa ukuba ulwenzile uhlalutyo olufunekayo usebenzisa amagalelo acacileyo kunye nendlela yokusebenza, nto leyo kanye ijongwa yi-NCR xa iphonononga imali-mboleko enoxanduva. Izigqibo ezilandelekayo zithetha ukuba zonke iziphumo zinokunxulunyaniswa nedatha ye-bureau,izibalo, kunye nengqiqo, ukwenzela ukuba xa i-NCR okanye umphicothi-zincwadi ebuza ukuba isigqibo senziwe njani, unokuvelisa irekhodi epheleleyo. Iirekhodi ezilungele uphicotho-zincwadi ziveliswa ngexesha lovavanyo kunokuba zenziwe kwakhona emva kwenyani, ukunciphisa umngcipheko wolawulo kunye noxinzelelo lokuqokelelwa kwamaxwebhu ngomzuzu wokugqibela. Ibhenefithi ayigcinwanga ixesha kuphela kodwa amathuba asezantsi okuthotyelwa kweziphumo. Ngomfanekiso opheleleyo wezibophelelo zakho, bona eyethu Isikhokelo sokuthotyelwa kweNational Credit Act.
Ukuqalisa ngoVavanyo lweTyala oluzenzekelayo
Qala ngeyona nto iphezulu yomthamo webhotile. Kuninzi lwababolekisi abancinci, oko kulwakhiwo lwedatha ye-bureau: ukusuka kufundo lwePDF ukuya kwidatha ye-bureau ecwangcisiweyo apho abavavanyi banokuyivavanya ngokukhawuleza nangokungaguquguqukiyo. Qinisekisa ukuba nasiphi na isixhobo osiqwalaselayo sixhasa amaziko aseMzantsi Afrika - Experian, Datanamix, kunye neTransUnion - kwaye loo datha iboniswe ngendlela ehambelana nendlela ohlola ngayo ingozi. Khangela imigaqo yokubolekisa enokulungiselelwa kuneetemplates eziqinileyo; umgaqo-nkqubo wakho uya kuguquka, kwaye inkqubo kufuneka ikuvumele ukuba ulungelelanise imida kunye nemilinganiselo ngaphandle kophuhliso lwesiko. Beka phambili ubuchule bokulandela uphicotho ukusuka kusuku lokuqala: utsalo olunesitampu sexesha, ukufakwa kwabasebenzisi, kunye namaxwebhu ezigqibo ahambelana nerekhodi efanayo. Ngaloo ndlela, ukuthotyelwa kwakhelwe kwinkqubo kunokuba kongezwe kamva. Okokugqibela, bandakanya abavavanyi bakho kukhetho kunye nokukhutshwa. Bayazi apho kukho ingxabano; igalelo labo liya kukunceda ngokuzenzekelayo amanyathelo afanelekileyo kwaye ugcine isigwebo somntu apho kubalulekileyo. Isixhobo esingena kuhambo lwazo olukhoyo luya kwamkelwa ngokulula ngakumbi kuneso esiva ngathi lulwaleko olongezelelweyoinkqubo.
Jonga indlela oluSebenza ngayo uvavanyo lwetyala
Uvavanyo lwetyala olwenziwa ngesandla lumisela imida yokuba zingaphi izicelo onokuzisingatha, lwazisa ukungangqinelani, kwaye lushiya ukuthotyelwa ngamabona-ndenzile. Ababolekisi abancinci abasebenzisa idatha yekhredithi ecwangcisiweyo kunye nokuhamba komsebenzi okuzenzekelayo bavavanya izicelo ezininzi kunye neqela elifanayo, basebenzise imilinganiselo ngokuthe gqolo, kwaye bagcine iirekhodi ezilungele uphicotho-zincwadi ngomzamo omncinci. Jonga indlela i-EvalFin ibanceda ngayo ababolekisi-mali abancinci basebenzise idatha yekhredithi ecwangcisiweyo kunye nokuhamba komsebenzi okuzenzekelayo ukuhlola izicelo ezininzi, ngokuthe rhoqo, kunye nomngcipheko omncinci. Dibana no ukuyibona xa isebenza.