Sikwixesha lobuchwephesha apho sisanda kusebenzisa iindlela ze-elektroniki esinazo, nokuba siyathenga, undwendwelo olubonakalayo, kunye nendlela yokungabhatali. Yinyani loo nto Zininzi iindlela zokuhlawula kurhwebo lwe-elektroniki, kwaye enye yezona zinto zikhoyo ngoku kukuhlawula ngeBizum.
I-Bizum sisisombululo sentlawulo yeselula, kunye nayo singathumela imali kubafowunelwa bethu enkosi kwibhanki yaseSpain, ngaloo ndlela kuququzelelwa intlawulo phakathi kwabantu, amashishini okanye iminikelo kwiiNGO. Kufuneka nje ufake isicelo sebhanki yakho kwaye ukhethe ukhetho lweBizum ukuze ukwazi ukwenza ezi ntlawulo.
Kodwa kwenzeka ntoni xa senze impazamo kwaye senze intlawulo engafanelekanga okanye ngumntu ongalunganga? Ewe, namhlanje siza kubona iindlela ezahlukeneyo zokukhetha esinazo.
Yintoni iBizum?
Njengoko besisithi, inkonzo edityanisiweyo yebhanki yaseSpain kwi-Intanethi iye yaba enye yeendlela ezisetyenziswa kakhulu ukwenza iintlawulo namhlanje, kwaye oku kunjalo ngenxa yokulula kokusetyenziswa kunye nesantya esibandakanyekayo ekudluliseleni imali.
I-Bizum inikezelwa njengesisombululo sentlawulo, esekwe kwiibhanki ezininzi zaseSpain, Sinokwenza utshintshiselwano ngemali ukusuka kwiisenti ezingamashumi amahlanu ukuya kubuninzi be-euro eziliwaka.
Enkosi Bizum singafumana ukuya kutsho kumashumi amathandathu ubuninzi bemisebenzi ngenyanga, ngelixa kungekho mda xa usenza iintlawulo, nangona umamkeli ngamnye anokufumana kuphela ukuthengiselana ngexabiso eliphezulu ukuya kwi-2.000 euro ngosuku olunye.
Ukusebenzisa le nkqubo, kuyimfuneko kuphela ukuba lo msebenzi usebenze kwisicelo sebhanki yakho, udibanise ne-akhawunti yebhanki, kwaye uyazi inombolo yefowuni yomntu ofuna ukutshintshela kuye, oya kufumana ngoko nangoko. .imali.
Ngaba kunokwenzeka ukurhoxisa i-Bizum esele yenziwe?
Kuya kufuneka uyazi ukuba inkqubo yeBizum ithembekile kwaye ikhuselekile nge-100%. Ke, eyona mpazamo inokwenzeka iya kuba lityala lethu, kwaye ngokucacileyo eyona mpazamo ixhaphakileyo kukuthumela imali kumntu ongalunganga. Mhlawumbi ngenxa yokuba sikhethe umfowunelwa owayengekho okanye ngenxa yokuba sibhala kakubi iidijithi zenombolo yefowuni, kwezi meko imali iya kufikelela kumntu ongalunganga. Kodwa, ngaba sinokwenza okuthile ngayo okanye sirhoxise esele yenziwe yiBizum?
Ndiyaxolisa ukunazisa ukuba impendulo ithi negative.
I-Bizum ayinayo nayiphi na inketho yokurhoxisa olu gqithiso lwemali luyimpazamo oko sele sikwenzile. Kwaye kule meko, basinika kuphela iingcebiso ezithile ekufuneka sizilandele, eyona nto ihambelanayo kukuba uqhagamshelane nomntu omthumelele imali ukuze akwazi ukuyibuyisela.
Ngelishwa, ngenxa yeempawu zale nkonzo, ukuthunyelwa akukwazi ukurhoxiswa okanye ukuguqulwa, ukuhanjiswa akunakuguqulwa kwaye okokugqibela ", kuboniswa kwintlangano yebhanki kwaye bayaqinisekisa ukuba "ekuphela kwenketho kukuba uqhagamshelane naloo mntu kwaye uvume ukuyibuyisela imali«.
Ngaphandle koko, "ungaphinda uye kwibhanki yakho ukwenza amalungiselelo ayimfuneko ukuze uzame ukubuyisela imali."
Ngamafutshane, kufuneka sithembe ukholo oluhle lomamkeli wemali yethu kwaye ufuna ukuqhubeka nembuyekezo. Ukuba ngumntu omaziyo, umhlobo okanye isihlobo, kunokwenzeka ukuba akuyi kubakho ngxaki, ukuba uvumelene kakuhle, kunjalo.
Ukuba impazamo yenzekile xa uchwetheza inombolo yefowuni, kwaye iye kumntu ongaziwayo, kunokwenzeka ukuba umntu othethiweyo uya kubuyisela imali kwaye yonke into iya kuba nexhala. Ngoko ke, ukusuka apha sincoma ukuba qinisekisa yonke idatha, bobabini umamkeli kunye nemali, phambi kokwamkela ukusebenza.
Ukuba okwenzekileyo kuku imposiso xa ukhetha umamkeli kwi-ajenda yabafowunelwa bethu befowuni, ngokuqhelekileyo iya kuba ngumntu esimaziyo ongafanele asibeke kuzo zonke izichaso zokubuyiswa okanye ukubuyisela imali.
Ukuba umntu esimthumele kuye intlawulo akanayo i-Bizum, ukudluliselwa kwethu kwemali kuya kuba kwimo "elindileyo". Kuhle de loo mamkeli abhalise eqongeni, apho imali iya kuthunyelwa ngalo mzuzu kanye. Kodwa ukuba iintsuku ezimbini zidlulile ukususela ekuthunyelweni kwaye umamkeli akabhalisanga eqongeni, uthe ukusebenza kuya kucinywa ngokuzenzekelayo, kwaye awuyi kulahlekelwa yimali.
Ngaba ibhanki ingayirhoxisa i-Bizum esele yenziwe?
Ukuba senze le Bizum kumntu ongalunganga, ukusuka kwiqonga lesicelo babonisa isisombululo esongezelelweyo nesicacileyo. sincome qhagamshelana nebhanki kwaye ufumanise ukuba ibhanki ngokwayo inokurhoxisa loo Bizum okanye hayi.
Oku kunjalo ngenxa yokuba ihlala ibhanki egunyazisa kwaye iqinisekisa ukusebenza ngaphambi kokuba iyenze, nangona ihlala ithatha imizuzwana embalwa ukwenza oko. Eyona nto iphambili kweli nqanaba luhlobo lotshintshiselwano olwenziwe yibhanki yakho. Ukuba ukudluliselwa ngokukhawuleza, asiyi kukwazi ukwenza okuninzi ngolu hlobo, ekubeni imali idluliselwe kwimizuzwana embalwa, ngoko ke akuyi kuba yinto engenakwenzeka ukukhansela intlawulo.
Bizum eSpain
Ngokomgaqo, iBizum ayifumaneki kwiiakhawunti zebhanki ngaphandle kweSpain.. Kodwa sinokwenza iintlawulo ngesicelo saphesheya nakwiselula engeyiyo eyelizwe ukuba ineakhawunti yebhanki yaseSpain ehambelana nayo.
Kodwa oku akuthethi ukuba kukho utshintsho kwizinto esizibonileyo ukuza kuthi ga ngoku. Inyani yokuba iselfowuni ingaphandle okanye ingaphandle kweSpain, ayicingeli nayiphi na imo ngaphandle ngokubhekiselele ekuthunyelweni. Isantya sokuthumela imali sisakhawuleza, ngoko ke ukhetho lokuzama ukukhansela luya kuba nzima kakhulu okanye lungenakwenzeka.
Ngayo yonke le nto, ukuba senza impazamo xa sikhetha okanye sicofa inombolo yendawo, kuya kufuneka siqhagamshelane nebhanki yethu ukuze ibe ngabo abajongana nelinye iqumrhu elixhamlayo kwaye. linda ithuba lokubuyisela imali.
Njengokhetho lokugqibela kwaye kwimeko apho umxhamli enqaba ukubuyisela imali yethu kuthi, Singasoloko sisiya enkundleni.