I-Loan Origination Workflow yama-Credit Brokers eNingizimu Afrika
Umhlahlandlela wobungcweti wokugeleza komsebenzi wokuqalwa kokubolekwa kwemali kokuphela kuze kube sekugcineni kwabadayisi bezikweletu baseNingizimu Afrika, kusukela ekuthathweni komthofu ngokuhlola ubungozi kanye nenkokhelo.
Imvelaphi yemalimboleko yabathengisi bezikweletu eNingizimu Afrika iqala kothintana naye kuqala kuya ekukhokheni. Esigabeni ngasinye uthembele kudatha yekhredithi, ukuhlolwa kobungozi, kanye nemibhalo yokuthobela imithetho. Abadayisi abasebenzisa lokhu ezintweni ezihlukene, izinqubo ezenziwa mathupha bakhokhele ngokushintsha kaNCAne, amanani okunqatshelwa aphezulu, kanye nezikhala zokuthobela imithetho. Lo mhlahlandlela uhamba phakathi kwe-anatomy yokugeleza komsebenzi, lapho ngokuvamile uhlala khona, ukuthi lokho kubiza malini, nokuthi uhlelwa kanjani ngesivinini nokuvumelana - ngokugxila kulokho ubuchwepheshe obungakwazi ukukwenza futhi obungakwazi ukukwenza.
I-Anatomy Yokugeleza Kokusuka Kwemalimboleko
Ukugeleza okuphelele kokuvela kwemalimboleko kunezigaba eziyisishiyagalombili. Isigaba ngasinye sisebenzisa noma sikhiqiza idatha edingwa yisigaba esilandelayo. Ukuqonda ukulandelana kukusiza ukuthi ubone ukuthi ukubambezeleka namaphutha kungena kuphi.
Ukuthwebula okuholayo nokuhlolwa kokuqala. Umfakisicelo uyaxhumana naye — esebenzisa iwebhusayithi yakho, ukudluliselwa, noma ucingo. Uthwebula ubuwena nemininingwane eyisisekelo: igama, i-ID, imininingwane yokuxhumana, kanye nohlobo nenani lezezimali elifunwayo. Ukuhlola kokuqala kuhlunga izimo ezisobala ezingafanelekile: uhlobo lomkhiqizo olungalungile, izimfuneko ezingaphansi kwezincane, noma izinhlelo zokusebenza eziyimpinda. Kulesi sigaba udinga ulwazi olwanele ukuze unqume ukuthi ungaqhubeka yini nesicelo esigcwele kanye nokudonsa kwehhovisi. Ukuthwebula okungaphelele noma okungahambisani lapha kudala ukusebenza kabusha kamuva.
Umbiko we-Credit Bureau udonsa. Uma umfakisicelo esephumelele ukuhlolwa kokuqala, udonsa umbiko owodwa noma eminingi yezikweletu. ENingizimu Afrika usebenzisa i-Experian, TransUnion, Datanamix, noma inhlanganisela. Umbiko uhlinzeka ngemigqa yezohwebo, ukuziphatha kokukhokha, izahlulelo, ukwehluleka, imibuzo, futhi ngokuvamile amaphuzu noma ingozi.inkomba. Ukuze uthole umbono ohlelekile wokuthi ungatolika kanjani okukhishwayo kwehhovisi, bheka umhlahlandlela wethu kokuthi ufundwa kanjani umbiko wezikweletu eNingizimu Afrika. Uma udonsa kuma-bureaux amaningi, ukuqhathanisa nokubuyisana kwedatha kubaluleka; i-athikili yethu Ukuqhathanisa nehhovisi lezikweletu eNingizimu Afrika iveza umehluko kudatha futhi ibike okuqukethwe. Ukudonsa kwehhovisi kuyiphuzu lokuqala lapho idatha ehlelekile ibaluleke kakhulu: ama-PDF angahluziwe kunzima ukuwaqhathanisa futhi aphuza ukuwahlola ngevolumu.
Ukuhlolwa kwekhredithi namaphuzu. Uhlola umbiko ngokuqhathanisa neyakho nemibandela yababolekisi bakho. Lokho kuhlanganisa umlando wokukhokha, uhlu olubi, ukusetshenziswa, nanoma yimuphi umphumela wangaphakathi noma isimiso somthetho. Umphumela uwumbono wengozi yekhredithi kanye nokuthi umfakisicelo uyahlangabezana yini nesilinganiso esincane. Ukuhumusha okungahambisani kuwo wonke amalungu eqembu kuholela ekutheni umfakisicelo ofanayo aphathwe ngendlela ehlukile kuye ngokuthi ubani obuyekeza ifayela. Imibandela yokuhlola esezingeni kanye nokubuka okukodwa kwezinkomba ezibalulekile kunciphisa lokho kuhluka.
Ukuhlolwa kokungakwazi ukukhokhela. Ngaphansi koMthetho Kazwelonke Wezikweletu kufanele uhlole ukukwazi ukukhokhela ngaphambi kokunikeza noma ukuhlela isikweletu. Uhlanganisa idatha ye-bureau nemali engenayo eshiwo kanye nezindleko ukuze unqume ukuthi umfakisicelo angakwazi yini ukukhokhela isibopho esihlongozwayo. Ukuqinisekiswa kwemali engenayo okungaphelele noma idatha yezindleko ezingekho kuphoqa ukuthi kuphinde kusebenze futhi kungabambezela noma kuphazamise uhlelo lokusebenza. Umphumela wokufinyeleleka ufinyelela ekufanisweni kombolekisi kanye nesinqumo sokugcina.
Ukumatanisa nokuhanjiswa kombolekisi. Uhlobanisa umfakisicelo nomabolekisi oyedwa noma ngaphezulu abasifiso sabo sokudla sifana nephrofayili yekhredithi nokuthengeka. Umbolekisi ngamunye unezidingo ezithile zokuhambisa: amadokhumenti, amafomu, nezinkambu zedatha. Uyahlanganisaiphasela bese uhambisa. Ukuthunyelwa okungaphelele noma okungalungile kuyimbangela eyinhloko yokubuyela emuva naphambili: ababolekisi bacela ulwazi olulahlekile, futhi isicelo sihlala emgqeni kuze kube yilapho umthengisi ephendula. Uhlu lokuhlola oluqondaniswe nezidingo zomboleki ngamunye lunciphisa ukuthunyelwa kabusha kanye nokugunyazwa kwesivinini.
Ukugunyazwa, ukwenqaba, noma ukunikezwa okuphikisayo. Umbolekisi uphendula ngokugunyaza (okungenzeka kunemibandela), ukwenqaba, noma umnikelo ophikisayo. Udlulisela umphumela kumfakisicelo futhi, uma kufanele, uthatha noma yimiphi imibandela noma imigomo ebuyekeziwe. Ukubambezeleka kokuxhumana ngemiphumela kulimaza ukuguqulwa kanye nokwaneliseka kwamaklayenti. Ukubuka okukodwa kwesimo sohlelo lokusebenza kukusiza ukuthi ulandelele lapho icala ngalinye lihlala khona futhi ulandelele ngesikhathi.
Amadokhumenti kanye nenkokhelo. Emacaleni agunyaziwe uqoqa noma imaphi amadokhumenti asele, ugcwalise amafomu aqondene nombolekisi, futhi usekele inqubo yokukhokha. Amasiginesha, imibhalo ye-FICA, nokuhlolwa kokugcina kujwayelekile. Amadokhumenti angekho noma angalungile kulesi sigaba abambezela ukwehlisa futhi angabangela ukunikezwa ukuphela. Sula izinhlu zokuhlola imibhalo kanye nerekhodi lalokho okutholiwe kunciphisa izikhala ngomzuzu wokugcina.
Ukugcina amarekhodi angemuva kokukhokhelwa. Ngemva kokukhokhelwa ugcina ifayela lesicelo, imibiko yezikweletu, ukuhlolwa kokukwazi ukuzikhokhela, kanye nezincwadi ezihambisanayo ngokuhambisana nezimfuneko ze-NCR ne-NCA. Ukugcinwa kwamarekhodi okungalungile kwandisa ingcuphe yokuthobela imithetho futhi kwenza kube nzima ukuphendula izingxabano noma ukuhlolwa kwamabhuku. Isigaba ngasinye sokuhamba komsebenzi kufanele sibhalwe phansi ukuze ukwazi ukukhombisa ukuthi kwenziwa ini, nini, futhi ngasiphi isisekelo.
Lapho Ukugeleza Komdayisi Kuvamise Ukuma
Abadayisi bayaziizigaba; inkinga ukubulawa. Izingqinamba eziningana ziyaphinda.
Ukushintsha phakathi kwamaphothali ehhovisi. Uma udonsa usuka ku-Experian, Datanamix, neTransUnion ngokuhlukana, ungena kumasistimu amathathu, ulande imibiko emithathu, bese uhlanganisa isakhiwo nokuqukethwe. Ukushintsha okuqukethwe kushisa isikhathi futhi kukhulisa ithuba lokudonsa umbiko ongalungile noma ukuphuthelwa yihhovisi lapho kudingekile ukubuka kwamahhovisi amaningi. Ukungqubuzana kuyanda lapho amalungu eqembu ahlukene esebenzisa ama-bureau ahlukene noma lapho ingekho indawo eyodwa yokubona yonke imininingwane ye-bureau yomfakisicelo.
Ukutolika imibiko ye-PDF mathupha. Uma idatha yekhredithi ifika njengama-PDF kuphela, konke ukuhlola kwenziwa ngesandla. Uvula ifayela, uskenela umlando wokukhokha, izahlulelo, okuzenzakalelayo, kanye nokusetshenziswa, bese usebenzisa imodeli yakho yengqondo yemibandela yomboleki. Leyo modeli iyahlukahluka ngomuntu nangosuku. Umhloli oyedwa angase agxile ekuziphatheni kwakamuva; omunye angase alinganise okuzenzakalelayo komlando kakhulu. Umfakisicelo ofanayo angathola ukwelashwa okuhlukile. Ukutolika okwenziwa ngesandla nakho kubambezela ukusebenza: awukwazi ukuqhathanisa ngokushesha inqwaba yabenzi bezicelo ngemibandela efanayo ngoba idatha ivaleleke kumadokhumenti.
Imibandela yokuhlola engahambisani eqenjini lonkana. Ngaphandle kwesethi yemithetho eyabiwe, ecacile, umthengisi ngamunye noma umhloli usebenzisa ukuhumusha kwakhe. Umuntu angase enqabe ngokuzenzakalelayo okukodwa kwakamuva; omunye angase amukele ngencwadi echazayo. Inqubo yokunquma engaguquki iholela emiphumeleni engalindelekile, amazinga aphezulu okunqatshwa lapho ukuthunyelwa kungahambisani nalokho okulindelekile kwababolekisi, nobunzima bokuchaza izinqumo kubafakisicelo noma abacwaningi mabhuku. Ukulinganisalokho okushiwo “ukudlula” kanye “nokwehluleka” ezibonisini ezibalulekile kuyimfuneko yejubane nokungenzeleli.
Izimpendulo zababolekisi ezibambezelekile ngenxa yokuthi ukuthunyelwa akuphelele. Ababolekisi babuyisela izicelo lapho amadokhumenti adingekayo noma idatha ingekho. Uhambo ngalunye oluya nokubuya lwengeza izinsuku. Umdayisi kufanele aphinde ahlanganyele nomfakisicelo, aqoqe imininingwane, futhi athumele kabusha. Okwamanje umfakisicelo angase aye kwenye indawo noma isithembiso singaphela. Ukuthunyelwa okungaphelele kuvamise ukuba ukwehluleka kwenqubo: alukho uhlu lokuhlola, akukho kuqinisekiswa ngaphambi kokuthunyelwa, noma akukho ndawo eyodwa yokuqinisekisa ukuthi yonke imfuneko yombolekisi ifinyelelwe.
Izinhlelo zokusebenza ezilahlekile emicungweni ye-imeyili. Uma izinhlelo zokusebenza nezibuyekezo zesimo zihlala nge-imeyili, kulula ukulahlekelwa ukuthi yiziphi izimo ezisalindile, ezidinga ukulandelelwa, nokuthi yini okuvunyelwene ngayo. Amadokhumenti abalulekile noma izimpendulo zomboleki zihlala emabhokisini okungenayo. Akukho ukubuka okukodwa kwepayipi. Abathengi bachitha isikhathi befuna umongo futhi abafake izicelo bathola ukuxhumana okungahambisani noma okubambezelekile. Ukuhlanganisa uhlelo ngalunye kwirekhodi elilodwa elinesimo esicacile kunciphisa umsebenzi olahlekile futhi kuthuthukisa ukushintshwa.
Izindleko Zokushayisana Kokuhamba komsebenzi
Umthelela walezi zingqinamba uyalinganiswa ngesikhathi, ukuguqulwa, nobungozi.
Isikhathi eside sokuthatha izinqumo sisho abafake izicelo abalahlekile. Abafakizicelo abalinda isikhathi eside kakhulu ukuze umphumela bacabange ukuthi uhlelo lumile noma banqatshiwe. Bathintana nabanye abadayisi noma ababolekisi. Njalo ngosuku olwengeziwe epayipini kwandisa ukwehla. Abadayisi abanciphisa isikhathi kusukela koxhumana nabo bokuqala ukuya ekugunyazeni okucacile/okwenqabayo/okuphikisayo bagcina abafake izicelo abaningi futhi bavale amadili amaningi. Ijubane liyinzuzo yokuncintisanalapho umkhiqizo nentengo kufana.
Ukuhlola okungaguquguquki kuholela emazingeni aphezulu okunqatshwa. Uma imibandela isetshenziswa ngokungalingani, uthumela abafake izicelo abangahlangabezani nesifiso sangempela sokudla somboleki. Ababolekisi bayabenqaba. Futhi wenqaba noma ubeka phansi abafaki izicelo abebengavunyelwa ngaphansi kwesimiso esingaguquki esimisiwe. Zombili izikhombisi-ndlela zilimaza: ukuhambisa okungadingekile kumosha umthamo womboleki futhi kulimaze ukuma kwakho; ukwenqaba ngokungadingekile ukumosha ipayipi lakho futhi kukhungathekise abafake izicelo. Ukuhlola okujwayelekile kunciphisa zombili izinhlobo zamaphutha.
Ukuthunyelwa okungaphelele kudala emuva naphambili nababolekisi. Umjikelezo ngamunye wokuthumela kabusha wengeza izindleko: isikhathi sabasebenzi, ukukhokha okubambezelekile, kanye nobungozi bokuphelelwa yisikhathi komfakisicelo noma umtitilizo. Ababolekisi abathola amaphakheji ahlanzekile, aphelele bangawaguqula ngokushesha. Abathengi abathumela amaphakheji aphelele okokuqala ngqa bazakhela idumela lekhwalithi futhi bathola isevisi engcono njengembuyiselo. Izindleko zokungqubuzana azikho zangaphakathi kuphela; ibonakala ebudlelwaneni boboleki kanye nengxenye yezicelo ezithunyelwe eziguqukayo.
Ukungagcinwa kahle kwamarekhodi kwandisa ubungozi bokuthotshelwa kwemithetho. I-NCR kanye ne-NCA balindele ukuthi ama-broker agcine futhi akhiqize amarekhodi ezicelo, ukuhlola, kanye nokuxhumana. Uma amafayela esabalele ku-imeyili nasephepheni, noma uma izinyathelo ezibalulekile zingabhaliwe, uyazabalaza ukukhombisa ukuthi ukukwazi ukuthengeka kwahlolwa, leyo mvume yatholwa, noma ukuthi izinqumo zenziwe ngokungaguquki. Ukwehluleka ukuthobela imithetho kungaholela ekujezisweni, ekulimaleni kwesithunzi, nokulahlekelwa ukugunyazwa. Izindleko zokulungisa ukugcinwa kwamarekhodi ngemva kokuba iqiniso ziphezulu; isakhiwoukungena ekuhambeni komsebenzi kusukela ekuqaleni kushibhile futhi kuphephile.
Ukuhlela Ukugeleza Kokusebenza Kwejubane Nokungaguquguquki
Abadayisi bangakwazi ukuthuthukisa imiphumela ngokuqinisa isigaba ngasinye kanye nesandla phakathi kwabo.
Ukufinyelela kwedatha ye-bureau. Donsa imibiko endaweni eyodwa yokusebenza lapho kungenzeka khona, noma okungenani uqinisekise ukuthi yonke imininingwane yehhovisi lomfakisicelo ihlotshaniswa nefayela elilodwa lecala. Lokho kunciphisa ukushintsha umongo futhi kuqinisekisa ukuthi wonke umuntu osebenza kuhlelo lokusebenza ubona isithombe esifanayo sekhredithi. Uma usebenzisa amahhovisi amaningi, ukwenza idatha ibe yifomethi efanayo yenza kube lula ukuyihlola kanye nokuchaza ukuthi iyiphi ihhovisi esetshenzisiwe nokuthi kungani.
Imibandela yokuhlola esezingeni. Chaza imithetho ecacile yekhredithi nokuthengeka: amaphuzu amancane noma ibhendi lamaphuzu, ukuphathwa kwezinqumo nokungakhokhiswa, imikhawulo yesikweletu semali engenayo, nanoma yikuphi ukweqa okuqondene nombolekisi. Bhala le mithetho futhi uyisebenzise ngendlela efanayo kubo bonke abafake isicelo. Lokho kunciphisa ukuhlukahluka, kuthuthukisa ikhwalithi yokuthunyelwa, futhi kwenza kube lula ukuqeqesha abasebenzi abasha nokuvikela izinqumo ekucwaningweni kwamabhuku.
Dala izinhlu zokuhlola izidingo zokuthunyelwa kombolekisi. Kumabolekisi ngamunye owasebenzisayo, gcina uhlu lokuhlola lwamadokhumenti adingekayo nezinkambu zedatha. Ngaphambi kokuhambisa, qinisekisa ukuthi yonke into ikhona futhi ilungile. Isheke elilula lokuhambisa ngaphambilini linciphisa ukuthunyelwa kabusha kanye nesivinini sokuphendula kombolekisi. Buyekeza izinhlu zokuhlola lapho ababolekisi beshintsha izimfuneko.
Yakha ukubuka okukodwa kohlelo lokusebenza ngalunye. Ikesi ngalinye kufanele libe nendawo eyodwa lapho kuhlala khona isimo, imibhalo, idatha yehhovisi, namanothi. Lowo mbono kufanele ukhombise ukuthi isicelo sikusiphi isigaba, yini engekho, kanyesiyini isenzo esilandelayo. Abathengi nabasebenzi abasekelayo bangabeka phambili futhi balandelele ngaphandle kokumba nge-imeyili noma amasistimu amaningi. Ukubuka okukodwa futhi kusekela izindlela zokucwaninga: ubani owenze ini, nini, futhi ngasiphi isisekelo.
Qinisekisa ukuthi zonke izinyathelo zibhaliwe. Kusukela ekuthathweni komthofu kuya enkokhelweni nasekugcwaliseni, rekhoda umphumela wesigaba ngasinye. Lokho kubandakanya imvume yokudonsa kwehhovisi, umphumela wokuhlola ukukwazi ukuthengeka, izinsuku zokuthunyelwa, izimpendulo zababolekisi, nanoma yiziphi izimo noma ukwenqatshwa. Amadokhumenti akudingeki abe nzima; kufanele ihambisane futhi ibuyiseleke. Uma isinyathelo ngasinye sibhalwe phansi, ukuthobelana kuba umkhiqizo ngamunye wokugeleza komsebenzi kunokuba umsebenzi ohlukile.
Indlela Ubuchwepheshe Isekela Umsuka Wemalimboleko
Ukuhlolwa kwekhredithi nobuchwepheshe bokuhamba komsebenzi kungasekela isigaba ngasinye ngaphandle kokuthatha isikhundla sokwahlulela komthengisi. Inani lisekuhleleni idatha, ukusebenzisa imithetho ngokungaguquki, kanye nokugcina irekhodi elicacile.
Idatha ye-bureau ehleliwe evela emithonjeni eminingi. Isofthiwe engenisa imibiko evela ku-Experian, Datanamix, TransUnion, noma amanye ama-bureaux futhi ijwayelanisa izinkambu eziyinhloko zibe isakhiwo esifanayo isusa isidingo sokufunda i-PDF ngayinye kusukela ekuqaleni. Ubona izinkomba ezifanayo - isimo se-akhawunti, umlando wokukhokha, uhlu olubi, ukusetshenziswa - esakhiweni esifanayo kungakhathaliseki ukuthi ihhovisi liliphi. Lokho kusheshisa ukulinganisa nokuqhathanisa futhi kwenza kube nokwenzeka ukusebenzisa imithetho ngokuzenzakalelayo. Idatha eyisisekelo isavela kuma-bureaux; ithuluzi lenza lisetshenziswe ngevolumu.
Imithetho ezenzakalelayo yokufaneleka kwangaphambi kwesikhathi. Ungachaza imithetho njengokuthi “maka uma isahlulelo ezinyangeni ezingu-24 ezidlule” noma “khipha umaisikweletu semali engenayo sidlula u-X” futhi siyisebenzise ngokumelene nedatha ehlelekile. Izicelo ezihluleka ukufaneleka zingancishwa noma zenqatshwe kusenesikhathi, ukuze umzamo ogcwele wokuhlola uye ezimweni ezingenzeka. Imithetho ingabonisa eyakho inqubomgomo futhi, lapho kwaziwa, izifiso zomboleki. Umphumela uwukusebenzisa okungaguquguquki kwemibandela kanye nokuncika ekuchazeni okuthile okungalindelekile.
Ukubukwa kokuhlola okujwayelekile. Isikrini esisodwa noma umbiko ofinyeza ubungozi besikweletu nokukwazi ukukhokhela umfakisicelo ngamunye uvumela abahloli basebenze ngokubuka okufanayo. Lokho kunciphisa ukuhlukahluka kanye nokuqeqeshwa kwesivinini. Uma umbono uboshelwe efayeleni lecala, isixhumanisi phakathi kwedatha nesinqumo sicacile ekucwaningweni kwamabhuku kanye nokuchaza imiphumela kubafakisicelo.
Imikhondo yocwaningo. Uma yonke isikhungo sidonsa, isinyathelo sokuhlola, kanye nokuthunyelwayo kufakwe isitembu sesikhathi nomsebenzisi, unomkhondo wocwaningomabhuku wokuthobelana nokuxazulula izingxabano. Lokho kusekela okulindelwe yi-NCR ne-NCA futhi kukusiza ukuthi ubonise ukuthi ukukwazi ukukhokhela kwahlolwa nokuthi izinqumo zenziwa ngokungaguquki.
Ukuhlanganiswa namasistimu angezansi. Lapho kufanele, ubuchwepheshe bungaxhumeka kuma-CRM, isitoreji samadokhumenti, noma amaphothali wababolekisi ukuze idatha namadokhumenti kugeleze ngaphandle kokhiye kabusha. Ukuhlanganisa akudingekile ngaso sonke isikhathi esigabeni ngasinye, kodwa kunganciphisa ukuphindaphinda futhi kugcine ukubuka okukodwa kohlelo lokusebenza kusesikhathini samanje. Okubalulekile ukuthi ukugeleza komsebenzi wokuqala kunesakhiwo esicacile nokuthi izinyathelo ezibucayi zibhaliwe; ukuhlanganiswa kunganwebisa leso sakhiwo kuwo wonke umkhuba.
Ubuchwepheshe abuyithathi indawo yendima yomthengisi kuklayentiukuxhumana, ubudlelwano bobolekisa, noma ukwahlulela kokugcina. Isekela ukuqalwa kwemalimboleko ngokushintsha okukhiphayo ehhovisi kanye nemithetho yangaphakathi ibe okokufaka okungaguquki, okuphindaphindwayo ukuze kuthathwe izinqumo kanye nokugcina irekhodi elicacile lalokho okwenziwayo. Ukuze uthole umbono obanzi wokuthi isofthiwe ye-credit broker ingena kanjani ekusebenzeni kwaseNingizimu Afrika, bheka isihloko sethu ku-isofthiwe yomthengisi wezikweletu eNingizimu Afrika.
Lungisa Ukugeleza Kokuqala Kwemalimboleko Yakho
Imvelaphi yemalimboleko yabathengisi bezikweletu eNingizimu Afrika iyohlala ibandakanya izigaba eziningi kanye nemithombo yedatha eminingi. Umehluko phakathi kokugeleza komsebenzi omile kanye nalolo olusebenzayo yisakhiwo: idatha yekhredithi emaphakathi, ukuhlola okujwayelekile, izinhlu zokuhlola ezicacile zokuthunyelwa, ukubuka okukodwa kohlelo lokusebenza ngalunye, nezinyathelo ezibhaliwe. Ubuchwepheshe obuhlinzeka ngedatha ehlelekile ye-bureau nokusekelwa kokuhamba komsebenzi kunganciphisa isikhathi sokuthatha isinqumo, kuthuthukise ikhwalithi yokuthunyelwa, futhi kuqinise ukuthobelana - ngaphandle kokushintsha ubuchwepheshe bomthengisi.
Uma ufuna ukubona ukuthi idatha yekhredithi ehlelekile nokugeleza komsebenzi kusiza kanjani ama-broker ukuthi acubungule izinhlelo zokusebenza ngokushesha nangokungashintshi, thintana. I-EvalFin isebenza nabadayisi bezikweletu namathimba aqala ukuboleka imali eNingizimu Afrika ukuze iguqule imibiko yehhovisi kanye nemithetho yokuhlola ibe ukugeleza komsebenzi okuphindaphindwayo, okufundekayo.