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Umphandle > Ushicilelo > IiNkcukacha Zoluntu > I > Isikhokelo Esishwankathelweyo seNkqubo Yeengcebiso Nenkxaso yeThuso &gt Indlela Esebenza Ngayo le Nkqubo

Indlela Esebenza Ngayo le Nkqubo




* Ukufikelela kule Nkqubo
* Imfihlelo
* Ukukhupha Iimfihlelo
* Ukujongwa Kwendlela Eliwahlawula Ngayo Amatyala Alo Ishishini
* Ukunikezela Iingxelo
* Ukubeka Iliso Nolawulo
* Iimfuno Zezibhambathiso Nokubuyela Kwimigaqo Yomthetho
* Izigaba Zamagunya, Amanqanaba Othetha-thethwano
* Iintlawulo Zabacebisi
* Isivaleliso


UKUFIKELELA KULE NKQUBO

Ukufikelela Ngaphambi Kokufaka Isicelo Semali-mboleko

Kweli nqanaba onke amashishini anokuba nakho ukufikelela kule mali-mboleko angathunyelwa ziibhanki kwiKhula, kwii-ofisi zommandla. Iinkcukacha zoqhagamshelwano zingafumaneka kwiKhula, kuNdlunkulu. Ngaphandle kokuthunyelwa ziibhanki, amashishini afuna ukuboleka iimali nalawo asele ebolekwa kakade akhe aziyele kwiThuso ngokwawo xa efuna.

Inqanaba Elisemva Kwesicelo Semali-mboleko

Iibhanki, ngokusebenzisa iimveliso zazo zeemali-mboleko eziphantsi kweKhula Credit Guarantee, ziyakwazi ukufikelela kule nkqubo yeengcebiso yeThuso. Ukuze zifikelele kule nkqubo, iibhanki ezi kufuneka ziqhagamshelane nale nkqubo ngembalelwano, ngokwesiqhelo ke ngokuthi zithethe nomphathi wamatyala, umphathi weenkonzo zenkxaso kumashishini okanye ke umhlalutyi wamatyala walo bhanki ithile ifaka isicelo sokufikelela kule nkqubo.

iThuso le iya kuthi ke ngoko iqeshe umcebisi ofanelekileyo ze ke ibhanki le, iThuso naloo mcebisi bangene kwisibhambathiso, sibhambathiso eso siya kube silawula ubudlelwane besi sithathu. Esi sivumelwano (Imigaqo Yentsebenzo) siyanikezelwa kwiibhanki xa zisicela, ukuze zisijonga-jonge.

IMFIHLELO

iThuso iyakwamkela yaye iya kunakana ukugcinwa kwesi sibhambathiso siyimfihlelo ephakathi kwayo, elo shishini kwakunye namanye nje amaqumrhu nabantu abachaphazelekayo kule ntshukumo.

DISCLOSURE

iThuso ayiyiy kuvolontiya okanye ikhuphe naluphi na ulwazi oluyimfihlelo nakubani na ngaphandle kokuba bekuvunyelwene ngoku kwangaphambili nelo shishini; okanye ke, ukuba oko kuyimfuneko ngokwemigaqo yemithetho ethile elawula oku.

UKUJONGWA KWENDLELA ELIWAHLAWULA NGAYO AMATYALA ALO ISHISHINI

iThuso le iqala ikhangele indlela amashishini athile awahlawula ngayo amatyala alw ngokuthi icele ezo nkcukacha kwi-Information Trust Co-operation (i-ITC) phambi kokuba izicelo zawo zemali-mboleko zibe nokuthunyelwa kwiibhanki. iThuso iyazi futhi iyayamkela into yokuba iibhanki ziphinde zizikhangeleke ngokwazo indlela amashishini afaka izicelo zemali-mboleko awahlawula ngayo amatyala awo ngokweendlela neenkqubo zazo ke.

UKUNIKEZELA IINGXELO

Umcebisi kufuneka aphendule kwiKhula ze angenise neengxelo zomsebenzi osele wenziwe. Iingxelo ezingeniaswe ngabacebisi kungabelwana ngazo neebhanki xa iibhanki ezo zicela.

UKUHLOLA NOLAWULO

Ukuhlolwa kwanokulawulwa kwale nkqubo yeengcebiso kuluxanduva lweCandelo leKhula Elinikezela Inkxaso Kumashishini.

IZIBOPHELELO ZESIBHAMBATHISO NOKUBUYELA KWIMIGAQO YOMTHETHO

iThuso Mentorship yona ngokwayo ayinabume ngokomthetho yaye ayinakho ukungena kwizibhambathiso ezibophelela ngokwasemthethweni. iKhula Institutional Support Services (ISS) ingena kwizibhambathiso egameni leKhula Mentorship. I-ISS le yiNkampani yeCandelo lama-21 esekelwe ukwamkela iinkxaso-mali ezisuka kwiDTI. Le nkampani ke iphantsi kolawulo lweBhodi Yabalawuli beKhula.

La maqumrhu angene kwisibhambathiso salo msebenzi yiKhula, umcebisi neshishini elo. Izibophelelo zesi sibhambathiso zilawulwa sesi sivumelwano yaye ukuba zithe azahlonitshwa, zophulwa kuthe akwavisiswana, amaqumrhu la abandakanyekayo kuya kufuneka abuyele kwisibhambathiso eso nemigaqo yomthetho ekuso okanye ke efumanekayo kwimithetho.

Abacebisi abanakuthatyathwa njengabanetyala ngenxa yokunceda ngezimali nangeengcebiso, iziqinisekiso, ingxelo njalo-njalo ezinikezelwe kwiKhula okanye kwelo shishini njengoko kaloku bona bengakhange bangene kwisibhambathiso senkqubo yokunikezela ngeengcebiso.

IZIGAB ZAMAGUNYA, AMANQANABA OTHETHA-THETHWANO

Ngezantsi apha sinamanqanaba olawulo lweThuso Mentorship Programme. Njengokuba ikomiti elawula yeKhula/yecandelo -lebhanki inikezela ngomkhomba-ndlela ngokwakhiwa kobudlelwane phakathi kweKhula neebhanki, yonke imiba yentsebenzo ngokunikezelwa kweengcebiso echaphazela iibhanki ingaxoxwa zezo bhanki neKhula ngokwecandelo leKhula Leenkonzo Zenkxaso Kumashishini ze apho kuyimfuneko khona kubandakanyeke necandelo iCredit Guarantee

IINTLAWULO ZABACEBISI

Abacebisi bahlawulwa ngokweeyure.

Inqanaba Eliphambi Kokufakwa Kwesicelo Semali-mboleko

Ishishini ebeliboleke imali lihlawula kuphela ama-25% eentlawulo zomcebisi, ngelixa iKhula ihlawula ehlawula intsalela engama-75% ekuqulunqweni kwesicwangciso selo shishini nesijoliswe ekufikeleleni kwimali-mboleko efikelela kuma-R300 000.

Ukuze lifake isicelo semali-mboleko egqithileyo ku-R300 000 ukuya kuma kwi-R5 ubukhulu, ishishini elo lifaka igalelo lalo elingama-50% kwiintlawulo zokuqulunqwa kwesicwangciso soshishino ze ke iKhula yona incedise kwezi ntlawulo ngama-50%.

Umcebisi uya kuthi ahlawulwe emva kokuphunyezwa kwesicelo semali-mboleko yiloo bhanki. iKhula ke yona, iya kuthi ihlawule isixa sombulelo kuzo zonke izicelo zemali-mboleko ezithe zaphunyezwa.

Inqanaba Elisemva Kokufakwa Kwesicelo Semali-mboleko

Ukuhlola okwenziwa emva kokufakwa kwesicelo semali-mboleko (unonophelo lwasemva kwale nkqubo) kuya kwenziwa ekuqaleni iinyanga de zibe ntathu ngaphandle kwentlawulo. Emva koko ke, iingcebiso ziya kuthi zinikezelwe xa ishishini okanye ibhanki leyo leyo icela ngokweentlawulo ekuvunyelwene ngazo nezingadumbisi ntloko (uhlahlo lwabiwo-mali, ixesha, iiyure njalo-njalo)

Kuyo yonke imisebenzi yasemva kokuphunyezwa kwesicelo semali-mboleko, umcebisi uya kuhlawulwa emva kokufaka isicelo sentlawulo kwakunye nengxelo ekholisayo kwiThuso, ngxelo leyo iya kuthi iqinisekiswe nguMququzeleli weThuso phambi kokuba enze isiphakamiso sokuba loo mcebisi ahlawulwe.

ISIVALELISO

Esi sikhokelo ayiyokopi yokugqibela negqibeleleyo yolu xwebhu. Siya kuthi sihlaziywe ngokuhamba kwexesha nanjenengoko kuya kube kungena iinguqu neendlela ezintsha neziphucukileyo zokwenza izinto.


UMTHAMO | < Icandelo Elingaphambili | Icandelo Elilandelayo >


UMTHAMO: Isikhokelo Esishwankathelweyo seNkqubo Yeengcebiso Nenkxaso yeThuso

* Intshayelelo
* Amaqumrhu Abandakanyekayo
* Indlela Esebenza Ngayo le Nkqubo
* Ingcaciso-magama Neenkcukacha Zoqhagamshelwano





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YAYAMENE

* Iingcebiso Kumashishini Asakhasayo (IiNkonzo)
* Amaziko eRED Door Anikezela Ngeengcebiso Kumashishini Asakhasayo (iCandelo Likarhulumente)
* Resources for Small Businesses (IiNkcukacha Zoluntu) (ifumaneka ngesiNgesi kuphela)



Umxholo okweli phepha wagqibela ukuhlaziywa nge- 11 uOktobha 2005



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