Inkonzo
Uyilo olusephepheni
Imithetho nemimiselo yendlela yokuziphatha kwenkonzo yabaxhasi
Sizamele inkonzo ebalaseleyo ekumgangatho welizwe!"
Kungani iNkqubo yeQumrhu yeNkonzo eBalaseleyo?
Ukwaneliseka ngumgangatho wemeko yovakalelo lomntu okuzalwa kukuthelekisa amandla okusebenza kwemveliso kunye noko kulindelwe ngumntu lowo."
Inkcazo ngemibono
Ukunika inkonzo ebalaseleyo ekumgangatho welizwe.
Inkcazo ngoko kujongwe ukwenziwa
Ukonyusa izinga lenkonzo enikwa abaxumi bethu, sizama ukujika iingqondo zabo ekujoliseni kwinkonzo enobume bentengiselwano ukuzisa kuleyo ithanda abaxumi- ngokwenza njalo sihlangabezana nee sikwagqitha ngaphaya kokulindelwe ngabaxumi beBhanki neenkonzo zayo.
Inkonzo ebalaseleyo yeyona nto sijonge ukukunika yona ngalo lonke ixesha, kuba siyazi ukuba inkonzo esemgangathweni yeyona nto uyilindeleyo kwaLand Bank. Ukuba uyonwabele inkonzo oyifumene namhlanje, nceda wazise umhlobo okanye isihlobo sakho. Ukuba akunjalo, nceda wazise uMphathi weSebe lebhanki yakho. Kungenjalo ungaqhakamshelana neSebe lebhanki, leenkonzo zoluntu kunombolo:0800 00 52 59."
Kuya kubaluleka ngokubaluleka ukugxininisa ekugcineni abaxumi. Indlela iLand Bank eya kugcina ngayo abaxumi bayo kukwenza umsebenzi ongcono ekuhlangabezaneni nasekwaneliseni iimfuno zabaxumi bayo.
Kwixesha elingaphambili iLand Bank ibiphantse ibe nokuxhamla yodwa, kwakungekho kwanzame zazifuneka ukwanelisa abaxumi. Namhla, iLand Bank ikhuphisana, ngabaxumi, nezinye iibhanki zorhwebo. Aba baxumi baneendidi ezininzi zemveliso kwaneenkonzo abanokukhetha kuzo. Abaxumi bale mihla bafundile kunabangaphambili kwaye bayagunyazisa, abamkeli nje nantoni na. Umgangatho woko bakulindeleyo wonyuswe zizithembiso zemveliso neenkonzo ekwizinga eliphezulu.
Ukuba iLand Bank izimisele ukugcina abaxumi bayo kwanendawo yayo kwicandelo lezemali, kufanele ukuba icinge ngoluvo lwequmrhu olutsha, kuba ezo nkampani ezigxininisa kubaxumi, kuphela eziza kuphumelela, ezo ezinokuvelisa ixabiso elisemgangathweni kubaxumi ezijolise kubo. Ukugcina abaxumi kungaphaya komsebenzi weSebe loRhwebo neNtengiso.
ISebe lezoRhwebo linganefuthe kuphela kwezo nkampani ezimaSebe azo kwanabasebenzi bazo abathe babumbana ngempumelelo ukuyila nokumisela inkqubo yemveliso enokuthelekiswa nezinye nesemgangathweni owenelisa abaxumi.
Into engenamlinganiselo engenakuthelekiswa nezinye ayinakulawuleka.
Ukuze sibe nokuhlawula abasebenzi bethu ngokuphumelela ukwenza umsebenzi ongowona ukwindima ephambili kumsebenzi wenkampani, kufuneka sibe nako ukwenza umlinganiselo wenkonzo nomgangatho womsebenzi.
Yintoni inkonzo Ebalaseleyo?
Ithetha ukugqithisa kulo msebenzi uwuqeshelweyo wenze konke okusemandleni ukubona imibuzo yomxumi iphenduleka. Ithetha 'ukuzinikela ngokupheleleyo'. Ukugqithisa kwindima yomsebenzi owabelweyo, umsebenzi ongaphaya onokuba awenziwa ngabanye abasebenzi. Konke oku kumalunga neNDLELA OZIBONA NGAYO IZINTO. Ukuba ngumntu oqinisekileyo, ozifuthela ngeempembelelo eziqhubela phambili, onenzondelelo nonamandla. Kukusoloko usenza usenza konke okusemandleni akho. Kukuwuthanda umsebenzi wakho nokuba negugu ngento oyenzayo. Kukuba neqhayiya ngokusebenzela iLand Bank.
UYilo Olusephepheni LweNkonzo luqulethe u'kanjani' no 'ngoba' , oko kukuthi inkonzo ebalaseleyo inikwa njani kubaxumi nagasiphi isizathu. Ngokulandela ezi ntonga zokwalatha, uya kudala uvakalelo olubonwabisayo ababsebeni kwanabaxumi bakho ngokufanayo.
UYilo Olusephepheni lweNkonzo yincwadi yakho yokukufundisa ukunika inkonzo entle kubaxumi ngembonakalo nje. Enye yeenjongo eziqulunqwe ngobuchule, zeLand Bank, kukubanefuthe elihle kwiXabso leNtlalo kawonkewonke. wena ken ngengommeli okanye umthunywa , unethuba elilodwa lokuba yinxalenye yabo baguqula ummiselo wesiphelo esingesihle sabantu! Uyinxalenye yokuzalisekisa amaphupha abantu ngokubanika imali enesizinzo enokubathwala ukubasa kumaphupha abo! Asibetheleli uphuhliso lwabaxumi bethu kuphela, koko nophuhliso lwabasebenzi bethu. Olu Yilo lusephepheni luya kukunceda ukuhluma njengomntu obakhathaleleyo abaxumi noyikhathaleleyo inkonzo.
Sinqwenela ukukhuthaza bonke abasebenzi baseLand Bank ukuba baziqhelanise nala manqaku abhalwe ngasezants'apha. Masikhuthazaneni omnye nomnye, imihla ngemihla, hayi ngokusebenza kakuhle kangangoko sinako kuphela , kodwa masisasaze nomoya wokusebenza ngenkuthalo kwindlela esivelela ngayo ubomi bethu nomsebenzi!
Imithetho yokuziphatha enkonzweni, yabo bonke abasebenzi
UNXIBELELWANO NABAXUMI: UBUSO NGOBUSO/UDLIWANONDLEBE
Bonakalisa ngokukhawuleza ukwamkeleka kwabo bonke abaxhasi ngokubajonga ngoncumo emehlweni. Ukuba awunakumnceda ngoko nangoko abaxumi, bazise ukuba uza kuba nabo ngokukhawuleza nje wakugqiba oko ukwenzayo.
Bulisa bonke abaxumi abasegumbini lokulindela, nokuba bancedwa nguwe okanye hayi, babuze ukuba sebelufumene na uhoyo ubuze nokuba ungabanceda na. Xa sele ulungele ukunceda umxumi, ncuma, babulise ngokuba nqwenelela intsasa okanye injikalanga entle, "Molweni", xolisa ngokubagcina belindile xa kufaneleke njalo ze ube sele uzazisa igama lakho. Umzekelo, "Molo, ndiyaxolisa ngokukugcina ulindile. NdinguNomsa (okanye uNkosazana Mudau), ndingakunceda ngantoni namhlanje" . Sebenzisa izangotshe zokuthetha ngamalungu omzimba nemvakalozwi efanelekileyo.
Fumana igama lomxumi ze ulisebenzise rhoqo apha ekuthetheni kwenu. Qinisekisa indlela eyiyo yokulibiza.
Yiba nobubele, ungabinamkhethe, zithembe ube nenkangeleko eyamkelayo nethembisayo.
Yiba nenkangeleko yomntu owuqeqeshelweyo umsebenzi uzivelele ngokuthembisayo iingxaki zabaxumi ngalo lonke ixesha.
Ungalinge uvakalise ekuleni kubaxumi incoko yakho yabucala, nokuba yeyemfonomfono okanye yephakathi kwenu basebenzi. Sebenzisa ingqiqo yakho. Musukuphendula iseli fowuni yakho ungacelanga imvume kumxumi ze ucele uxolo kamva.
Nika umxumi isizathu xa kuthe kwafuneka ukuba uyishiye idesika yakho.
Phulaphula ngeendlebe ezibukhali uqiniseke ukuba ubuza yonke imibuzo efanelekileyo enokukhokelela kulwazi olubalulekileyo. Qiniseka ukuba uyaqonda nokuba loo nto ithetha ukuba kufuneka de ufune uncedo lwetoliki. Qiniseka ukuba uyiqonda kakuhle into abayandlalayo abaxumi phambi kokuxhinela isisombululo.
Baphathe ngembekokazi enkulu abaxumi ungabagwebi ngenkangeleko yabo, oko kukuthi ungabajong'ezidyasini. Phatha bonke abaxumi njengabaxumi abangakwizinga legolide kwixa elizayo.
Thath'ixesha ukucacisela gca umxumi ukuba kutheni isicelo sakhe semboleko-mali singamkelekanga nje.
Ukuba umxumi akakeleki kwizinga lemboleko elikwiBronze, iSilivere okanye iGolide, yisa umxumi kwizinga kwizinga elisezantsi kunelo linobungozi ( kwizinga leBronze ze anyuselwe ukususela kulo). Thath'ixesha ukunika umxumi inkonzo ngeyona mveliso imfaneleyo kwanohlelo lobungozi bemboleko olulolonaa lufanele iimfuno zakhe.
Musukugqithisela isityholo semposiso kwelinye iSebe leBhanki okanye kuNdlunkulu. Yamkele njengeyakho ingxaki unike umxumi uncedo lwethutyana xa imeko ikuvumela oko.
Khuthaza abaxumi ukuba bazalise Imibuzo yeNkonzo yabaXumi ze uyiphose kwibhokisana yeengcebiso kwiSebe elo.
Ungaze uphazamise omnye umsebenzi ngexesha anceda umxumi.
Ungawenzi umsebenzi ongajongananga nabaxumi ngelixa abaxumi balinde kuludwe lokuncedwa.
Phetha uncedo lomxumi ngamnye ngokumbulela umbiza ngegama nangokufakela umsila othi "Ubenemin'emnandi'.
Yazisa okwi-ofisi yokwamkela abantu neemfonomfono xa ungenako ukuphendula ifowuni yakho.
Musa ukushiya ifowuni yakho ingaqhoshekanga okanye uyiyeke ikhala ungayiphenduli.
Xa ifowuni inokukhala ixesha elide xolisa kumxumi ngokumlindisa , uphendule ifowuni leyo.
Ncuma xa uphendula ifowuni.
Bulisa ngolu hlobo:
Wena
Molo, nguMalusi othethayo,ndingakunceda ngantoni?"Kukuwe ukusebenzisa nolunye ulwimi.
Buza umxumi ukuba 'Ndithetha nabani/no ...' ukuze ufumanise igama lakhe.
Fumana igama lomxumi ze ulisebenzise rhoqo apha encokweni yenu. Qinisekisa ukuba ulibiza ngendlela efanelekileyo.
Musukumbambisa umnxeba ixesha elide umntu ofowunayo. Ndaweni yoko mcele ukuba umfowunele wena wakugqiba oko ukwenzayo okanye uceke ukuthatha umyalezo..
Qinisekisa ukuba uzithathe ngobunjalo bazo iinkcukacha zomyalezo.
Gqithisa imiyalezo ingaphelanga imizuzu engama-30 uyifumene (oku kubandakanya nomyalezo obhalwa ephepheni ze ubekwe edesikeni yomntu).
IMIBUZO YABAXUMI MALUNGA NEAKHAWUNTI/ IZIKHALAZO
Xa kukho ingxaki engenakusombululeka ngokukhawuleza, zilungiselele into enokwenzeka. Sebenzisa ulwazi onalo lokubeka imihla yamanqam ekwenzeni izinto. Kwiimeko ezingxamisekileyo, xhesha iimeko ngokusebenzisa uMphathi weSeba lakho.
Thabathela kuwe yonke imibuzo nezikhalazo de zibe zisonjululiwe. Ungaze uthumele umxumi kwelinye iSebe ngaphandle kokuba oko kufaneleke ngokupheleleyo.
Sombulula zonke iingxaki ngokukhawuleza onako ze ubize umxumi ukuba abuye ukuze umxelele ngemeko yesikhalazo sakhe.
Bazise njalo abaxumi ngemeko yezikhalazo zabo.
Emva kokuba ugqibile ngonxibelelwano oluluhlobo "lwesisombululo ngxaki", ungabuza ukuba "Ingaba ikho enye into endingakunceda ngayo namhlanje?"
Xolisa xa ngaba isicelo asinakuzalisekiswa kwaye ubosoloko ucebisa ngezinye iindlela zoncedo. Umzekelo, nyusela kwizinga eliphezulu (uhlelo olukumgangatho wengozi osezantsi).
IZIKHALAZO ZABAXUMI KWANEBHOKISI YEENGCEBISO
Yiqongqothe ibhokisi yeengcebiso qho ngeveki.
IBD kufuneka iqaphele yonke imiba phambi kokuba igqithisele imibuzwana ebhaliweyo ukuba ihlalutywe yiHO.
ABALAWULI BEENKONZO ZESEBE
Lungelani ukuqalisa ukusebenza nje ukuba lifike ixesha lokuvula.
Musan'ukubaxhesha abaxumi ngexesha lokuvala kwaye abasebenzi mabakulangazelele ukunceda abaxumi nasemva kwexesha lokuvala.
Abaxumi mababonakaliselwe ukuba baboniwe ukuba bkho kwaye bancedwe ingaphelanha imizuzu eli-15 bengenile emnyango. ukuba kuyenzeka ukuba umxumi alinde ixesha elingaphezu koku, nceda umazise ixesha elishiyekileyo esalindile kwaye ucele uxolo.
ULAWULO LWEENKONZO ZABASEBENZI
Uqeqesho lwemihla ngemihla lwabalingani kufanele lubandakanye intetho yoqeqesho lokuziqhelanisa nomsebenzi ethatha imizuzu eli-10 (isenziwa nguBD) eyenziwa phambi kokuba iSebe livulwe.
Umsebenzi womntu ngamnye kufanele ukuba ujongwe okanye wonganyelwe nguBD:
Ixesha elithatyathiweyo ukusabela imibuzo /izikhalazo kubaxumi.
Indlela yokuthatha izinto nobubele.
Ubuchule bokusebenza.
Ulwazi ngemveliso.
Isantya sokusebenza kwanocoselelo.
Ezinye iinzame ezithatyathiweyo.
IZICELO ZEMBOLEKO-MALI
Yithi qho ngemini nangeveki ukwazisa nokucebisa abaxumi ngobume bezicelo zabo
Bafonele abaxumi endaweni yokubabhalela iileta.
IMBALELWANO
Abaxumi mabangathunyelelwa iileta ezibhalwe ngesandla.
Makusetyenziswe amaphepha embalelwano aneenkcukacha zonxibelelwano ezifanelekileyo, phaya emazantsi. Qinisekisa ukuba iinkcukacha ezisemazantsi ephepha zilungile kungathi kanti zezindala
Ungasebenzisi amaphepha embalelwano kwaneemvulophu ezindala.
Qaphela ukuba iiMemorandum zisetyenziswa kwimbalelwano yangaphakathi emsebenzini kuphela..
UKUGCINA ABAXUMI
Landelela yonke imboleko mali erhoxisiweyo ulandelele kwanabaxumi abagqibileyo ukuhlawula imali mboleko yabo.
Umsebenzi obejongene nesicelo semboleko mali (xa kufaneleke njalo) kufuneka kufuneka atyelele okanye afonele umxumi azame ukufumanisa izizathu zokuba alihlawule aligqibe ityala lakhe ze azame ukumkhuthaza ukuba aphinde aboleke kwakhona.
Kwimbalelwano yakho yokugqibela oyithumela kubaxumi abarhoxisa izicelo zemboleko mali okanye abahlawula ngokupheleleyo imali abayityalayo, faka iphepha elinemibuzo.
INKANGELEKO YESEBE
ISebe ngalinye kufuneka libe nomboniso, ngaphakathi nangaphandle, wemiqondiso, evunyiweyo lishishini eli.
Amaxesha oshishino kufuneka abhalwe gca ukuze abonakale cace.
Zonke izaziso mazibe kwimeko efanelekileyo. Ayivumelekanga imiqondiso yekhompyutha nemiqondiso ebhalwe emaphepheni ngesandla yaza yancanyathiselwa ezingcangweni nasezindongeni kufuneka isuswe endaweni yayo kubekwe imiqondiso eshicilelweyo.
Makungabikho zaziso neeposta ezincanyathiselwe ngesaloteyiphu.
Yonke imiqondiso engaphandle mayicoceke ifaneleke ibe kwimeko esebenzisekayo ukuba iqaqanjiswe ngemihombiso.
Yonke imiqondiso engaphakathi mayicoceke ibe kwimeko efanelekileyo.
Iziphekephekana ezinamagama abasebezi mazinxitywe lonke ixesha.
Makungatshaywa, kutyiwe okanye kuselwe emboniselweni yabaxumi kulo lonki iSebe.
Zonke iindawo zokusebenzela ezivelayo kubaxumi mazigcinwe zicocekile kwaye kwaye zikubume bomsebenzi.
Makuncedwe kuqinisekiswe ukuba umfanekiso weSebe ugcinwa umhle kwaye izixhobo ezaphukileyo nezonakeleyo zithathelw'indawo zezitsha xa kukho imfuneko yoko.
Iindonga mazigcinwe zicocekile zingenalo nechaphaza ngalo lonke ixesha.
Iifestile mazigcinwe zicocekile kwaye zingophukanga.
Imidiyadiya yeefestile mayicoceke, ingakrazuki ibe nenkangeleko entle.
Izibane mazibe kwimo yokusebenziseka. Iindawo ekusetyenzelwa kuzo mazikhanyiswe ngokufanelekileyo.
Makubekho izityana ekutshayelwa kuzo ezaneleyo kwiindawo ekuncedwa kuzo abaxumi.
Makungabekwa izaziso zabasebenzi kwiindawo ekuncedwa kuzo abaxumi.
Mazigcinwe zicocekile iindawo zabasebenzi ngalo lonke ixesha.
Wonke umsebenzi weSebe makasoloko eyithathel'ingqalelo inkangeleko yeSebe kwaye ancedise ekugcineni inkangeleko esemgangathweni ngalo lonke ixesha. Abasebenzi mabanxibe iimpahla ezifanelekileyo nezamkelekileyo ekusebenzni kwii-ofisi zoshishino.
Iincwadan azeshishini ezaneleyo mazibekwe ngocwangco kwiindawo ekunikwa kuzo abaxumi uncedo.
ISIPHELO
Njengoko sikholelwa ukuba ukunakekela abaxumi kubalulekile kwimpumelelo yeLand Bank, olu yilo lusephepheni lungasentla apha kufanele ukuba lumiselwe ngalo lonke ixesha.
Bonk abasebenzi abanika iinkonzo kubaxumi kunyanzelekile ukuba banikwe uqeqesho lweNkonzo eseMgangathweni olunikwe abaqeqeshi abakwaba nagbasebenzi. Le nkqubo iza kuqhutya ziincutshe zengingqi, zeenkonzo zabaxumi. Oku kuyakuqinisekisa ukuba siyafikelela kwiinjongo zethu zeokuninka iNkono efanelekileyo.
Ukuba unemibuzo okanye into ongayiqondiyo ngoku kubhalwe ngasentla, khululeka uqhakamshelane nesebe lezeNtengiso noRhwebo.
