Ukushintsha kusuka ku-Excel kuya ku-Credit Assessment Software
Umhlahlandlela osebenzayo wokushintsha usuke ku-Excel uye kwisofthiwe yokuhlola isikweletu esizinikele eNingizimu Afrika. Uma amaspredishithi ayeka ukukala nokuthi kufanele enzeni ngakho.
Amafemu amaningi ezikweletu eNingizimu Afrika aqala nge-Excel. Ijwayelekile, iyavumelana nezimo, futhi imahhala ngempumelelo. Ngomsebenzi omNCAne ocubungula izicelo ezimbalwa noma amakesi isonto ngalinye, amaspredishithi angabamba izinhlu zamaklayenti, izibalo zokuthengeka, nezibalo ezilula ngaphandle kokungqubuzana okuningi. Kodwa njengoba ama-caseloads akhula kanye nengcindezi yokulawula evela ku-NCR kanye noMthetho Wezikweletu Kazwelonke, amaspredishithi aba yisikweletu. Amaphutha ayaphindaphindeka, ukulungiswa kocwaningo kudlulela ezinsukwini, futhi “umuntu we-Excel” owakha izifanekiso uba yiphuzu elilodwa lokwehluleka. Lo mhlahlandlela usiza abahlinzeki bezikweletu, abeluleki bezikweletu, kanye nabadayisi bezikweletu ukuthi babone uma sekuyisikhathi sokusuka ku-Excel baye kwisofthiwe yokuhlola isikweletu esizinikele—nokuthi ungabhekana kanjani noguquko ngaphandle kokuphazamisa ukusebenza. Ukuze ubone ukuthi iqhathaniswa kanjani nokusebenza kwakho kwamanje, bhukha idemo.
Kungani i-Excel Isebenza Ekuqaleni
I-Excel ifanelwe ikhredithi. Kumhlinzeki omusha wesikweletu, inkambiso yokwelulekwa ngezikweletu ezincane, noma umthengisi ophatha umthamo olinganiselwe, amaspredishithi anikeza izinzuzo zangempela. I-interface ijwayelekile; iningi labasebenzi seliyazi ukuthi lifakwa kanjani idatha, libhala amafomula, nokuhlunga noma ukuhlunga. Ayikho inqubo yokuthenga, akukho ukukhiya komthengisi, futhi ayikho ijika lokufunda elingaphezu kwalokho inkampani ekhetha ukwakha. Ilungu leqembu elinekhono lingaklama isifanekiso esithwebula imikhakha ebalulekile emibikweni ye-credit bureau—ukuziphatha kwe-akhawunti, amabhalansi, izilinganiso zesikweletu nemali engenayo—futhi lisebenzise imithetho elula noma imingcele. Uma nje ivolumu ihlala iphansi futhi abantu abambalwa abafanayo besebenzisa amafayela afanayo, leyo ndlela ingasebenza.
Ukuvumelana nezimo kungamanye amandla. Lapho inqubomgomo yokuboleka noma ukuhlolaizinguquko zokunquma, umuntu ongumnikazi wespredishithi angalungisa amafomula noma engeze amakholomu. Asikho isidingo sokulinda ukukhishwa kwesofthiwe noma ukhokhele ukwenza ngokwezifiso. Ezinkampanini ezisachaza izinqubo zazo noma ukuhlola izindlela ezihlukene zokuhlola, lokho kuzivumelanisa nezimo kungaba wusizo. I-Excel futhi yenza kube lula ukuthekelisa idatha ukuze ihlaziyelwe isikhashana noma ukwabelana nezinkampani zangaphandle uma kudingeka. Ezigabeni zokuqala, lapho okubaluleke kakhulu kwenziwa umsebenzi owenziwe nge-overhead encane, i-Excel iyinketho enengqondo.
Lapho I-Excel Iphuka
Izinkinga zivela njengoba isikali sokusebenza. Ivolumu yindawo yokuqala yokucindezela. Imigqa iphindaphindeka: izinhlelo zokusebenza eziningi, amaklayenti amaningi, ukudonsa kwe-bureau okwengeziwe. Amafayela nawo ayaphindaphindeka—ahlukanise izincwadi zokusebenza ngezikhathi ezihlukene, imigqa yemikhiqizo ehlukene, noma amalungu eqembu ahlukene. Ngokushesha ayisekho indawo eyodwa emelela isimo samanje sencwadi. Iliphi ifayela eliwumthombo weqiniso ekuhloleni kwale nyanga? Iyiphi inguqulo yesifanekiso eyasetshenziswa kuleso sinqumo? Ukulawulwa kwenguqulo ku-Excel kuncike ekuziphatheni nasekuqambeni izimiso ezingavamile ukubamba ngaphansi komthwalo wangempela womsebenzi. Ozakwethu baphinda amafayela “ukuze baphephe,” noma balondoloze ngomsebenzi womunye nomunye, futhi isixhumanisi phakathi kombiko othile wesikweletu nesinqumo esithile siba indaba yokuqagela.
Ubuqotho bedatha buyaphazamiseka. Ukufaka mathupha okuvela emibikweni yekhredithi ye-PDF—kungaba kuvela ku-Experian, Datanamix, TransUnion, XDS, noma Compuscan—kunephutha. Ibhalansi ethayiphiwe kabi noma ikhodi yokuziphatha engafundiwe kahle ingageleza kumafomula futhi ikhiqize izibalo zokuthengeka okungalungile noma amafulegi engozi angalungile. Ngaphandle kokuqinisekisa kuiphuzu lokungena, lawo maphutha kunzima ukuwabamba aze avele esicelweni esinqatshiwe, isikhalazo seklayenti, noma ekutholweni kocwaningomabhuku. Amaphutha efomula ahlanganisa ubungozi: isithenjwa esiphukile noma ububanzi obungalungile bungonakalisa buthule sonke isigaba seshidi. Uma umqondo ofanayo ukopishwa emigqeni eminingi, iphutha elilodwa lisabalala kakhulu.
Izindlela zokucwaninga zibuthakathaka noma azikho. I-Excel ayirekhodi ukuthi ubani oguqule ini, noma nini. Uma umhloli ebuyekeza isibalo noma ebhala phezu kweseli, inani langaphambilini alikho ngaphandle kwalapho othile enike amandla izinguquko zethrekhi—futhi nalapho, isixhumanisi esiya embikweni othile wehhovisi noma isicelo asizenzekeli. I-NCR kanye nabacwaningi mabhuku bangaphakathi balindele ukubona iketango elicacile: lo mbiko udonswe ngalesi sikhathi, yilo opharetha, kulolu hlelo lokusebenza; lokhu kuhlola kwenziwa kusetshenziswa le datha; lesi sinqumo senziwa ngenxa yalezi zizathu. AmaSpredishithi awanikezi lelo chungechunge ngokuzenzakalelayo. Amafemu agcina eseyakha kabusha esuka kumethadatha yefayela, imicu ye-imeyili, nenkumbulo—inqubo entekenteke futhi edla isikhathi.
Ukubambisana kuba buhlungu. Lapho abantu abaningi bedinga ukusebenza ngedatha efanayo, i-Excel iphoqa amasu okulungisa: ukuhlukanisa ifayela ngesifunda noma idethi, ukudlulisa ifayela elilodwa nxazonke futhi ngethemba lokuthi akekho ozolibhala phezu kwalo, noma ukutshala imali kumadrayivu abiwayo nemithetho eqinile mayelana nokuthi ubani ongahlela ini. Ukuhlela ngesikhathi esisodwa akuqinile. Umphumela uba izingqinamba, umzamo ophindwe kabili, kanye nengozi eyengeziwe yokuthi ifayela elithi “master” alilona uchwepheshe. Ukuphepha kungenye igebe. Idatha ebucayi yekhredithi ihlezi kumafayela angase athunyelwe nge-imeyili, akopishwe kumadrayivu e-USB, noma agcinwe kumadivayisi omuntu siqu.Ukulawulwa kokufinyelela kunqunyelwe kunoma iyiphi indawo ye-IT ehlinzekayo ezingeni lefayela; azikho izimvume ezisekelwe endimeni ngaphakathi kwesipredishithi ngokwaso. Ezinkampanini eziphethe idatha yabathengi ngaphansi koMthetho Kazwelonke Wezikweletu kanye ne-POPIA, lokho kudala ukuthobela kanye nengozi yesithunzi.
Izindleko Zangempela Zokunamathela ku-Excel
Izindleko azikho kuphela ezinkokhelweni zelayisensi ezigwenyiwe. Isikhathi yisisulu sokuqala. Amahora achithwa ekufakweni kwedatha mathupha evela emibikweni ye-PDF ayengehliswa uma idatha ye-bureau ibingeniswa futhi yahlelwa ngokuzenzakalelayo. Amahora achithwa kubhekwa izibalo, kuzingelwa inguqulo yefayela efanele, noma ukuvumelanisa amaspredishithi angqubuzanayo aphelele. Njengoba ivolomu ikhula, lokho kuphezulu kukhula ngokushesha kunomugqa—umhloli ngamunye omusha noma uhlobo lwekesi lwengeza amafayela engeziwe, ama-handoffs amaningi, kanye namathuba engeziwe okungahambisani. Umphumela uba ukuthi amafemu angeza inani eliphezulu ukuze aqhubeke noma amukele izikhathi ezinde zokushintsha kanye namazinga aphezulu amaphutha.
Amaphutha anomthelela ongezansi. Ukubala okungalungile kokukwazi ukukhokhela kungaholela ekutholweni kokuboleka kwemali budedengu; uhlu olugejiwe olubi lungahlanekezela izinqumo zobungozi. Lapho amaphutha etholwa ngemva kweqiniso, ukuwalungisa kungase kudinge ukuhoxiswa kwemibiko, ukuphinda kwenziwe ukuhlola, nokwazisa izinhlangothi ezithintekayo. Izindleko ezihlonishwayo nezokulawula zamaphutha aphindaphindiwe ngokuvamile zidlula izindleko zokwamukela amathuluzi anciphisayo. Izinhlanganisela zengozi yokuthobela. Lapho i-NCR noma umcwaningi mabhuku ecela ubufakazi bokuthi isinqumo senziwe kanjani, ifemu ethembele ku-Excel kufanele ihlanganise lobo bufakazi obuvela kumafayela ahlakazekile futhi yethembe ukuthi akukho lutho olushodayo. Izidingo zokulandela umkhondo wokuhlolwa kwezikweletu eNingizimu Afrika lindelaukulandeleka amaspredishithi angakuhlinzeki ngedizayini. Amafemu angakwazi ukukhiqiza amarekhodi acacile, axhunyiwe abhekana nemiphumela yokulawula kanye nengcindezi yokuzingelwa kwemibhalo ngomzuzu wokugcina.
Ukuncika kwabasebenzi kungenye izindleko ezifihliwe. Uma umuntu oyedwa akhe futhi wagcina izifanekiso ezibucayi ze-Excel, ulwazi lwakhe alunakushintshwa kuze kube lubhalwe phansi futhi ludluliselwe. Uma lowo muntu ehamba noma engatholakali, lonke ithimba lingase lingazi ukuthi amafomula asebenza kanjani, yiliphi ifayela elinegunya, noma indlela yokulungisa isithenjwa esiphukile. Ukufaka abasebenzi abasha ekuhambeni komsebenzi okusekelwe kuspredishithi kuhamba kancane futhi kunephutha; kufanele bafunde kokubili ukuqonda kwekhredithi kanye nemibuzo yamafayela athile. Lokho kuncika kwenza umsebenzi ube ntekenteke futhi kukhawule ikhono lokukala ngaphandle kokwengeza ubungozi obungalingani.
Lokho Isoftware Yokuhlola Isikweletu Eyenza Ngokuhlukile
Isofthiwe yokuhlola ikhredithi ezinikele yakhelwe ukugeleza komsebenzi i-Excel elinganiselwe. Umehluko oyinhloko yidatha ehleliwe ye-bureau. Esikhundleni sokuthi abasebenzi bafunde imibiko ye-PDF futhi babhale izibalo kumaseli, isistimu ingenisa imibiko evela kumahhovisi aseNingizimu Afrika bese iyihlukanisela emikhakheni engaguquki, eseshekayo. Ama-akhawunti, amakhodi okuziphatha, ibhalansi, kanye nolwazi olubi lwenziwa ngokwejwayelekile ukuze kusebenze isakhiwo esifanayo noma ngabe umthombo bekuyi-Experian, Datanamix, TransUnion, XDS, noma Compuscan. Lokho kuqeda okuningi kokufaka mathupha kanye namaphutha okuloba ahambisana nakho. Abahloli babona umbono ojwayelekile futhi bangagxila ekuchazeni nasekuthatheni izinqumo esikhundleni sokuthatha idatha.
Kulandela imibono esezingeni kanye nezindlela zokuhlola.Izilinganiso zokufinyeleleka, izinkomba zobungozi, namakhadi wamaphuzu angaphakathi angabalwa futhi aboniswe ngendlela efanayo kulo lonke uhlelo lokusebenza noma icala. Lokho kusekela ukungaguquguquki: abafaki zicelo abafanayo bahlolwa kuqhathaniswa nemibandela efanayo, kunciphisa ukuhlukahluka okuvela lapho wonke umuntu efunda ama-PDF namaspredishithi ngokuhlukile. Inqubomgomo yokuboleka noma imikhawulo yokwelulekwa ingaboniswa ethuluzini ukuze ukugunyaza, ukwenqatshwa, noma ukudluliselwa kusekelwe kumqondo osobala, ophindaphindwayo. Umphumela uba izinqumo ezingaguquki kanye nendaba ecace kakhudlwana kubacwaningi mabhuku.
Izindlela zokuhlola ezakhelwe ngaphakathi kanye nesibaluli sika-opharetha sibhekana negebe lokulandeleka. Konke ukudonsa kwehhovisi kungafakwa isitembu sesikhathi futhi kufakwe kumsebenzisi othile. Konke ukuhlola nesinqumo kungaxhunyaniswa nedatha eyazisa ngakho. Lapho i-NCR noma umcwaningi wamabhuku wangaphakathi ebuza ukuthi isinqumo sifinyelelwe kanjani, inkampani ingakhiqiza irekhodi elihambisanayo—ubani okhiphe umbiko, nini, ngasiphi isicelo, lokho abakubonayo, nalokho abakunqumayo—ngaphandle kokuyakha kabusha ngama-imeyili nezinguqulo zamafayela. Lokho kusekela kokubili Ukuhambisana ne-NCA kanye nokuboleka okuvikelekile noma umkhuba wokweluleka. Izilawuli zokufinyelela ezisekelwe endimeni zengeza isendlalelo amaspredishithi angeke akwazi: abasebenzisi abagunyaziwe kuphela abadonsa imibiko, babuke idatha ebucayi, noma benze izenzo ezithile. Izimvume zingaqondaniswa nemisebenzi yomsebenzi, futhi ukufinyelela kungafakwa. Lokho kusekela ukuphathwa kwedatha kanye nezibopho ze-POPIA futhi kunciphisa ubungozi bokusetshenziswa okungagunyaziwe kolwazi lomthengi.
Idatha yomlando iyasesheka. Esikhundleni sokuvula ibhuku lokusebenza elihlukile ngesikhathi ngasinye noma iklayenti, isistimu ingaba nesitolo esimaphakathi, esingabuzwayoukuhlola nezinqumo. Lokho kusekela ukuhlaziywa kwethrendi, ukuqinisekiswa kwekhwalithi, kanye nokuphendula ngokushesha ezikhalweni noma ekucwaningweni kwamabhuku. Amafemu amukele le ndlela yokubika abika ukuthi ayakala ngaphandle kokwengeza inani labantu ngokulingana nevolumu, nokuthi ukufinyelela okusekelwe endimeni kanye nedatha ehlelekile kuguqula ukuthobela umthetho kusuke ekuphikiseni kube umkhuba.
Izimpawu Sekuyisikhathi Sokushintsha
Izimpawu ezithile zibonisa ukuthi i-Excel isifinyelele umkhawulo wayo. I-Caseload ikhula ngokushesha kuneqembu: ukusilela emuva kuyakhula, izikhathi zokushintsha ziyelula, futhi ukwengeza abasebenzi kungasho abantu abaningi ababelana ngokugeleza komsebenzi okufanayo kwesipredishithi esintekenteke. Amaphutha ayanda: amaphutha ekufakweni kwedatha noma amafomula abanjwa sekwephuze kakhulu, noma amakhasimende nabahloli bamabhuku baphakamisa imibuzo mayelana nemiphumela engahambisani. Ukulungiselela ukucwaningwa kwamabhuku kuthatha izinsuku: lapho i-NCR noma ukuhlolwa kwangaphakathi kumenyezelwa, abasebenzi bachitha isikhathi esiningi befuna amafayela, beqhathanisa imibiko nezicelo, futhi behlanganisa isisekelo sezinqumo. Ukugibela abasebenzi abasha kubuhlungu: ukuchaza ukuthi yiliphi ifayela okufanele lisetshenziswe, iyiphi inguqulo ekhona, nokuthi umsebenzi wamafomula uthatha isikhathi eside kanjani futhi usaphumela emaphutheni. Usukhulile kunezifanekiso zakho: isipredishithi sesiyinkimbinkimbi kangangokuthi umuntu oyedwa noma ababili kuphela abangasigcina, noma uphindaphinda ingqondo ezincwadini zokusebenza eziningi futhi ulahlekelwa ukuvumelana.
Azikho kulezi zimpawu zodwa ezingathethelela ukushintsha, kodwa zihlangene zibonisa ukuthi izindleko zokuhlala ne-Excel—ngesikhathi, amaphutha, ubungozi bokuthobela imithetho, nobuthaka bokusebenza—ziyakhuphuka. Isikhathi esifanele sokuhlola isofthiwe ezinikezele singaphambi kwenhlekelele: lapho ungakwazi ukuhlela inguquko,sebenzisa amasistimu ahambisanayo, futhi uqeqeshe iqembu ngaphandle kwengcindezi yocwaningomabhuku oluseduze noma umuntu obalulekile ahambe.
Indlela Yokusondela Kuguquko
Ukushintsha usuka ku-Excel uye ku-software yokuhlola isikweletu akudingekile ukuba kuphazamise. Qala ngokugeleza komsebenzi okubuhlungu kakhulu. Ezinkampanini eziningi, leyo yindlela esuka embikweni wehhovisi iye ekuhlolweni iye esinqumweni. Khomba isinyathelo lapho kulahleka khona isikhathi esiningi noma amaphutha amaningi enzeka khona—ngokuvamile ukudluliselwa mathupha kwedatha isuka ku-PDF iye kusipredishithi—futhi ubeke phambili isisombululo esibhekana naleso sinyathelo kuqala. Lokho kuletha ukunqoba okusheshayo futhi kwakha ukuzethemba.
Sebenzisa amasistimu ahambisanayo kafushane. Ngesikhathi soshintsho, amanye amafemu ayaqhubeka nokusebenzisa i-Excel kumakesi amancane noma ukuze kusetshenziswe umlando ngenkathi uhlelo olusha lusetshenziselwa umsebenzi omusha. Lokho kuvumela iqembu ukuthi liqhathanise imiphumela, liqinisekise ukuthi ithuluzi elisha likhiqiza imiphumela engaguquki, futhi lilungise noma yiziphi izinkinga zokucushwa ngaphambi kokunqanyulwa okugcwele. Inkathi ehambisanayo akudingeki ibe yinde; amaviki ambalwa okusebenza kwezinhlangothi ngokuvamile anele ukuqinisekisa ukuthi ukuhamba komsebenzi okusha kunokwethenjelwa.
Hambisa idatha yomlando lapho kusebenza khona. Akuwona wonke amarowu awo wonke amaspredishithi adinga ukunyakaza. Okubalulekile ukuthi amacala akamuva, izinto ezibonakalayo ziyafinyeleleka nokuthi uhlelo olusha luba umthombo owodwa weqiniso womsebenzi omusha. Idatha endala ingahlala kuzingobo zomlando uma ukuthutha okugcwele kubiza noma inani eliphansi. Umgomo uwukuyeka ukudala ukuncika okusha ku-Excel kuyilapho ulondoloza ukufinyelela kulokho okungase kudinge abacwaningi mabhuku.
Qeqesha iqembu ngokuhamba komsebenzi okusha. Iswishi izophumelela kuphela uma abahloli nabaphathi beqonda ukuthi lisetshenziswa kanjani ithuluzi elisha nokuthi kungani lilisebenzisaithatha indawo endala. Gxila ezinzuzweni ezibalulekile kubo: ukufakwa kabusha kokhiye okuncane, izindlela zokuhlola ezicacile, amakhanda ambalwa okulawula inguqulo. Linganisa ukuthuthukiswa ngemva kokusika: isikhathi sokulandelela ukuhlola ngakunye, izilinganiso zamaphutha, nesikhathi esichithwe ekulungiseleleni ukuhlola. Lawo mamethrikhi athethelela ushintsho futhi agqamise noma yiziphi izikhala ezisele. Amafemu ashintshe ngokuvamile athola ukuthi umnikezi wesikweletu, ukwelulekwa ngezikweletu, noma umthengisi wesikweletu isofthiwe eyakhelwe i-South African bureaux kanye nemithetho yehlisa ukungqubuzana kokusebenza futhi isekela ukukhula ngaphandle kokwanda kobungozi noma ukubalwa kwabantu abaningi.
Bona ukuthi Isoftware Yokuhlola Isikweletu Esizinikele Iqhathaniswa Kanjani Nokuhamba Kwakho Kwamanje
I-Excel isebenzela amafemu amaningi ezikweletu kahle ekuqaleni. Lapho ivolumu, inkimbinkimbi, nokulindela okulawula kukhuphuka, amaspredishithi ayayeka ukukala. Izindleko zangempela zibonakala ngesikhathi esichithwe ekungeneni mathupha nasekuhloleni ngokuphambene, ngezilinganiso zamaphutha kanye nengcuphe yokuthobela imithetho, nokuncika kubantu ababalulekile kanye nokugeleza komsebenzi okusekelwe efayeleni okuntekenteke. Isofthiwe ezinikele yokuhlola izikweletu ibhekana nalezi zinkinga ngokushintsha imibiko yehhovisi ibe idatha ehlelekile, engase isebenze; ngokulinganisa ukuhlola kanye nenqubo yokunquma; nangokwakha izindlela zokucwaningwa kwamabhuku kanye nezilawuli zokufinyelela ekuhambeni komsebenzi. Umphumela uyikhono lokukala ngaphandle kokwengeza isibalo esikhulu ku-lockstep, ukunciphisa amaphutha nokuqinisekisa ukulungela ukuhlolwa, kanye nokugibela abasebenzi abasha ohlelweni olulodwa, olubhaliwe.
Uma ulinganisa ukusuka ku-Excel ukuya kwisoftware eyakhelwe inhloso, isinyathelo esisebenza kakhulu ukuyibona ngokomongo. Xhumana ukuze ubhukhe idemo futhi uqhathanise ukuthi idatha yekhredithi eyakhiwe kanjani, izindlela zokuhlola ezizenzakalelayo, kanye nendima esekelwefinyelela umsebenzi eduze—noma esikhundleni—sokuhamba komsebenzi kwakho kwamanje kwesipredishithi.