Sisenkathini yobuchwepheshe lapho sisebenzisa kakhulu izindlela zikagesi esinazo, noma ukuthenga, ukuvakasha okubonakalayo, nokuthi ungakhokhi kanjani. Kuyiqiniso lokho Ziningi izindlela zokukhokha kwezohwebo nge-elekthronikhi, futhi enye yamanje kakhulu ikhokha nge-Bizum.
I-Bizum iyisixazululo sokukhokha seselula, esisisebenzisa ngaso singathumela imali koxhumana nabo sibonga ibhange laseSpain, ngaleyo ndlela kube lula ukukhokhelwa phakathi kwabantu, amabhizinisi noma iminikelo kuma-NGO. Udinga nje ukufaka isicelo sebhange lakho bese ukhetha inketho ye-Bizum ukuze ukwazi ukwenza lezi zinkokhelo.
Kepha kwenzekani uma senza iphutha futhi senza inkokhelo engafanele noma umuntu ongalungile? Nokho, namuhla sizobona izinketho ezahlukene esinazo.
Yini iBizum?
Njengoba besisho, insizakalo edidiyelwe yokubhanga ku-inthanethi yaseSpain isibe enye yezindlela ezisetshenziswa kakhulu ukwenza izinkokhelo namuhla, futhi lokhu kungenxa yobulula bokusetshenziswa kanye nesivinini esihilelekile ekudlulisweni kwemali.
I-Bizum yethulwa njengesixazululo sokukhokha, esisungulwa emabhange amaningi aseSpain, Singenza ukuthengiselana ngemali kusuka kumasenti angamashumi amahlanu kuya kuma-euro ayinkulungwane eyodwa.
Ngiyabonga Bizum singathola imisebenzi efinyelela kwamashumi ayisithupha ngenyanga, kuyilapho ungekho umkhawulo lapho wenza izinkokhelo, nakuba umamukeli ngamunye angathola kuphela ukuthengiselana ngenani eliphakeme elingafika kuma-euro angu-2.000 ngosuku olulodwa.
Ukuze usebenzise lolu hlelo, kuyadingeka kuphela ukuthi lo msebenzi usebenze kusicelo sebhange lakho, ulihlobanise ne-akhawunti yasebhange, futhi wazi inombolo yocingo yomuntu ofuna ukumdlulisela kuye, ozoyithola ngaso leso sikhathi. .imali.
Ingabe kungenzeka ukukhansela i-Bizum eseyenziwe kakade?
Kufanele wazi ukuthi uhlelo lwe-Bizum luthembekile kakhulu futhi luvikelekile ngo-100%. Ngakho-ke, iphutha elingenzeka kuphela kungaba iphutha lethu, futhi ngokusobala iphutha elivame kakhulu ukuthumela imali kumuntu ongalungile. Kuphakathi kokuthi sikhethe othintana naye obengekho noma ngoba sibhale kabi izinombolo zenombolo yocingo, kulezi zimo imali izofinyelela kumuntu ongafanele. Kodwa, kukhona esingakwenza ngakho noma sikhansele osekwenziwe yi-Bizum?
Ngiyaxolisa ukunazisa ukuthi impendulo ithi negative.
I-Bizum ayinayo inketho yokukhansela lokhu kudluliselwa kwemali okuyiphutha esesikwenzile. Futhi kulokhu, basinikeza izincomo ezithile okufanele sizilandele, okungaguquki ukuthi sithinte umuntu omthumelele imali ukuze akwazi ukuyibuyisela.
“Ngeshwa, ngenxa yezimpawu zale sevisi, ukuthunyelwa akukwazi ukukhanselwa noma kuhlehliswe, ukudluliselwa akunakushintshwa futhi okokugcina”, kuboniswa yinhlangano yamabhange futhi bayaqinisekisa ukuthi “okuwukuphela kwenketho ukuthi uxhumane nalowo muntu futhi uvume ukubuyisela imali".
Uma kungenjalo, "ungaphinde uye ebhange lakho ukuze wenze amalungiselelo adingekayo ukuze uzame ukubuyisela izimali."
Ngokufingqa, kufanele sithembe ukholo oluhle lomamukeli wemali yethu nokuthi ufuna ukuqhubeka nembuyiselo. Uma kungumuntu ojwayelene naye, umngane noma isihlobo, cishe ngeke kube nenkinga, uma nivumelana kahle, kunjalo.
Uma iphutha lenzekile ngesikhathi uthayipha inombolo yocingo, futhi iye kumuntu ongamazi, maningi amathuba okuthi lowo muntu oshiwo uzoyibuyisela imali futhi konke kuzoba ukwesaba. Ngakho-ke, kusukela lapha sincoma ukuthi qinisekisa yonke idatha, kokubili umamukeli kanye nenani, ngaphambi kokwamukela ukusebenza.
Uma okwenzekile a iphutha lapho kukhethwa umamukeli ku-ajenda koxhumana nabo ngocingo, ngokuvamile kuzoba ngumuntu esimaziyo okungafanele asibeke nakancane ukuphikisa ukubuyiselwa noma ukubuyiselwa kwemali.
Uma umuntu esimthumelele inkokhelo engenayo i-Bizum, ukudluliswa kwethu kwemali kuzoba sesimweni "sokulindiwe". Kuhle kuze kube yilapho lowo mamukeli ebhalisa endaweni yesikhulumi, lapho imali izothunyelwa khona ngaleso sikhathi. Kodwa uma sekudlule izinsuku ezimbili kusukela ukuthunyelwa kwenziwa futhi umamukeli engabhalisanga endaweni yesikhulumi, uthe ukusebenza kuzokhanselwa ngokuzenzakalelayo, futhi ngeke ulahlekelwe yimali.
Ingabe ibhange lingakwazi ukukhansela i-Bizum esivele yenziwe?
Uma le Bizum senze le Bizum kumuntu ongalungile, kusukela kuplathifomu yesicelo bakhombisa isisombululo esengeziwe nesisobala. sincome thintana nebhange futhi uthole ukuthi ibhange ngokwalo lingayikhansela yini leyo Bizum noma cha.
Lokhu kungenxa yokuthi njalo ibhange eligunyaza futhi ligunyaze ukusebenza ngaphambi kokukwenza, nakuba ngokuvamile kuthatha imizuzwana embalwa ukwenza kanjalo. Ukhiye kuleli phuzu uhlobo lokudlulisa olwenziwa ibhange lakho. Uma ukudluliswa kwenzeka ngokushesha, ngeke sikwazi ukwenza okuningi ngale ndlela, njengoba imali idluliswa ngemizuzwana embalwa, ngakho-ke ngeke kwenzeke ukukhansela inkokhelo.
Bizum ephuma eSpain
Empeleni, i-Bizum ayitholakali kuma-akhawunti asebhange angaphandle kwase-Spain.. Kodwa singakwazi ukwenza izinkokhelo ngohlelo lokusebenza phesheya kanye nakuselula okungeyona eyezwe lonke uma ine-akhawunti yasebhange yaseSpain ehlotshaniswa nayo.
Kodwa lokhu akusho ukuthi kukhona ushintsho kulokho esikubonile kuze kube manje. Iqiniso lokuthi iselula ingeyangaphandle noma ingaphandle kweSpain, ayicabangi ukuthi kukhona okuhlukile mayelana nokuthunyelwa. Isivinini sokuthumela imali sisashesha, ngakho-ke inketho yokuzama ukuyikhansela izoba yinkimbinkimbi kakhulu noma engenakwenzeka.
Kukho konke lokhu, uma senza iphutha lapho sikhetha noma sidayela inombolo yendawo, kuyodingeka sithinte ibhange lethu ukuze kube yilona elisebenzelana nelinye ibhizinisi elizuzayo futhi linda ithuba lokubuyisa imali.
Njengenketho yokugcina futhi esimweni lapho ohlomulayo enqaba ukubuyisela imali yethu kithi, Singahlala siye enkantolo.