Ukungaguquguquki ekuhwebeni kungenye yamagama asetshenziswa kakhulu futhi angaqondwa kahle kulo lonke uhambo lomhwebi. Abahwebi abaningi bakholelwa ukuthi ukungaguquguquki kusho ukuwina nsuku zonke, ukunganqobi ukulahlekelwa, noma ukugcina izinga lokuwina lingaphezu kuka-70%. Kodwa-ke, ayikho kulezi zincazelo enembile, futhi lokhu kudideka kubiza imali nesikhathi kulabo abaqala emakethe benokulindela okungalungile.
Incazelo enembile kakhulu ivela ekusebenzeni kwangempela: ukungaguquguquki yikhono lokwenza inqubo efanayo, ngezindinganiso ezifanayo, ngokuphindaphindiwe, kungakhathaliseki ukuthi umphumela wezezimali wosuku unjani. Inzuzo iwumphumela wenqubo, hhayi inqubo ngokwayo. Lapho umhwebi eguqula lo mqondo futhi eguqula imiphumela yansuku zonke ibe isilinganiso sokungaguquguquki, udala ugibe lwengqondo olubeka engcupheni intuthuko.
Ukungaguquguquki akuyona into
Ngaphambi kokuchaza ukuthi kusho ukuthini ukuhambisana ekuhwebeni, kufanelekile ukuphikisa izinganekwane ezivame kakhulu.
Ukungaguquguquki akukhona ukuwina nsuku zonke. Akukho isu eliletha imiphumela emihle kuyo yonke iseshini. Abahwebi abangochwepheshe abaneminyaka eminingi yesipiliyoni banezinsuku zokulahlekelwa, amasonto angaphansi kwesilinganiso, kanye nezikhathi zokudonsa. Lokhu kuyingxenye yanoma iyiphi indlela yokucabanga okungenzeka. Ngakho-ke, ukwahlulela ukungaguquguquki ngokungabikho kokulahlekelwa kuyisici esingenakufinyelelwa ngumhwebi wangempela.
Ukungaguquguquki akukhona nokuba nezinga eliphezulu lempumelelo. Ucwaningo olwenziwe yi-FGV olunesihloko esithi "Ukuhweba Ngosuku Lokuphila?" lubonise ukuthi ama-3% kuphela abadayisi abaphikelela isikhathi eside bathole imiphumela emihle ngesikhathi esihloliwe. Iningi lalabo abayeke ukuhweba alizange lilahlekelwe ngenxa yokuntuleka kwekhono lobuchwepheshe, kodwa ngenxa yokuntuleka kwesiyalo kule nqubo. Umdayisi onezinga lempumelelo elingu-40% kanye nesilinganiso somvuzo wengozi esingu-1:3 unokulindela okuhle kwezibalo. Ngakolunye uhlangothi, umdayisi onezinga lempumelelo elingu-70% kanye nesilinganiso esingu-1:1 angase athole imiphumela emibi ngokuhamba kwesikhathi.
Ngaphezu kwalokho, ukungaguquguquki akukhona ukungabikho kwamaphutha. Amaphutha akhona kunoma yimuphi umsebenzi ohilela ukwenza izinqumo ngaphansi kokungaqiniseki. Okuhlukanisa umhwebi ohlala njalo nongaguquguquki akukhona ukuphelela ekusebenzeni, kodwa ikhono lokubona iphutha, ukufunda kulo, nokugcina inqubo ingaguquki ekuhwebeni okulandelayo.
Yini echaza ngempela ukuhambisana kokuhweba?
Ukungaguquguquki ekuhwebeni ukunamathela okuhlelekile ohlelweni lokusebenza ngaphezu kwenani elikhulu lemisebenzi. Hhayi imisebenzi eyishumi. Hhayi amasonto amabili. Izinyanga zokusebenza okuqondisiwe, lapho ukuhlolwa kokusebenza kubheka yonke imisebenzi hhayi imiphumela yomuntu ngamunye.
Empeleni, lokhu kusho ukungena kuphela uma imigomo yohlelo ihlangatshezwa. Kusho ukuhlonipha umyalelo wokuyeka ukulahlekelwa obekwe ngaphambi kokungena, ngaphandle kokuhwebelana nemakethe lapho intengo iseduze nomkhawulo. Kusho ukungakhulisi usayizi wesikhundla ngemuva kokulahlekelwa noma ukunciphisa imigomo yokungena ngemuva kokuwina.
Ukungaguquguquki kwemiphumela kuvela ekuhambisaneni kwezenzo. Ukuziphatha okunobudlabha nokungaguquguquki kuveza imiphumela enganaki futhi engaguquguquki, kungakhathaliseki ukuthi isu linjani. Ngakolunye uhlangothi, indlela engajwayelekile esetshenziswa ngokuzimisela emisebenzini eminingi ivame ukukhiqiza imiphumela ezinzile kakhulu kunendlela eyinkimbinkimbi esetshenziswa ngokungajwayelekile.
Kungani umhwebi elahlekelwa ukungaguquguquki ngesikhathi esifanele lapho ekudinga kakhulu?
Izikhathi lapho ukuhambisana kunzima kakhulu ukuzigcina yizona kanye izikhathi lapho kubaluleke kakhulu khona: ngemva kokulahlekelwa yimigqa nangemuva kokuwina imigqa.
Ngemva kokulahlekelwa, umfutho uwukwandisa usayizi wezikhundla ukuze kutholakale imali ngokushesha, kuhwetshwe ngaphandle kwamahora ahleliwe, noma kuncishiswe izindinganiso zokungena ukuze "kuzuze" noma yisiphi isignali. Kodwa-ke, zonke lezi zindlela zokuziphatha ziyaphazamisa inqubo futhi zenze kube nzima ukuhlola ukuthi isu liyasebenza noma ukuthi umphumela omubi uvele yini ekusetshenzisweni okungalungile.
Ngemva kokuwina imigqa elandelanayo, inkinga ihlukile, kodwa iyabhubhisa ngokulinganayo. Umuzwa wokunganqotshwa uholela ezikhundleni ezinkulu, ukunaka okuncane kuma-oda okuyeka ukulahlekelwa, kanye nezindlela zokungena ezikhululekile. Eqinisweni, izifundo zengqondo yemakethe zibonisa ukuthi abahwebi abazethemba ngokweqile ngemva kokuwina imigqa elandelanayo bahweba kakhulu futhi bathola imiphumela emibi kakhulu kunalapho begcina indlela ehlelekile ababenayo ekuqaleni.
Ngale ndlela, ukungaguquguquki akuvivinywa ngezinsuku ezijwayelekile. Kuvivinywa kakhulu: ngemva kosuku olubi kakhulu lwesonto kanye nangemva kosuku oluhle kakhulu.
Indlela yokulinganisa ukuhambisana ngaphandle kokubheka inzuzo kuphela.
Uma imiphumela yezezimali ingeyona indlela efanele yokulinganisa ukuvumelana, yiziphi izindlela zokulinganisa ezinengqondo?
Ukunamathela ohlelweni kuyisilinganiso esiqondile kakhulu: zingaki ukuhweba phakathi naleso sikhathi okulandele izindlela ezichazwe ngaphambi kweseshini yokuhweba? Uma umhwebi enze ukuhweba okungamashumi amabili kanye neshumi nesishiyagalombili ehlonipha uhlelo, ukunamathela kungu-90%. Leli nani lembula okuningi mayelana nokungaguquguquki kokusebenza kunebhalansi yosuku.
Ukuhlonipha umkhawulo wokulahlekelwa kwansuku zonke kungenye indlela yokulinganisa engenakuthethelelwa. Kungakhathaliseki ukuthi umkhawulo uhlonishwe noma cha. Usuku olulodwa lapho umhwebi engayinaki khona i-stop-loss ye-akhawunti lungasula umsebenzi wesonto lonke futhi lwembule ukuthi isiyalo siyaphela lapho imizwa ingazinzile kakhulu.
Kubalulekile futhi ukuhlola isilinganiso esimaphakathi sengozi nomvuzo wokuhweba okwenziwe. Uma uhlelo luchaza ubuncane be-R/R engu-1:2 futhi isilinganiso sokuhweba kwenyanga sasingu-1:1,2, umhwebi wayevame ukuvala inzuzo ngaphambi kwesikhathi. Lokhu kungafani phakathi kokusebenza okuhleliwe nokwenziwe kuwuphawu olucacile lokungahambisani kokuziphatha, noma ngabe umphumela wezezimali wawumuhle.
Ubudlelwano phakathi kokungaguquguquki nokufunda kwangempela.
Umphumela obalulekile wokungaguquguquki ukuthi kwenza ukufunda kube nokwenzeka. Uma umhwebi enza inqubo efanayo ngokuphindaphindiwe, imiphumela evelayo isho okuthile ngesu. Uma imiphumela iguquguquka, kungenzeka ukuhlonza ukuthi yini okudingeka ilungiswe ngokusekelwe kudatha yangempela.
Ngenxa yalokho, lapho umhwebi engenakho ukuhambisana ekusebenzeni, noma yikuphi ukuhlaziywa kokusebenza kuyangcoliswa. Ayikho indlela yokwazi ukuthi isu libi noma ukuthi ukungasebenzi kahle kube yimbangela yemiphumela emibi. Lokhu kungaqondakali kuvimbela ukufunda futhi kugcina umhwebi ebambeke emjikelezweni wokushintsha izindlela ngemva kochungechunge ngalunye olubi, ngaphandle kokuqoqa idatha yomlando eyanele yokuhlola ngokuphelele noma iyiphi indlela.
Ngaphezu kwalokho, ama-62% abadayisi abaqhubeka iminyaka engaphezu kwemibili bathola imiphumela efanayo, ngokusho kwedatha yokuziphatha kwabadayisi besikhathi eside. Lesi sibalo siqinisekisa ukuthi ukuhambisana ekuhwebeni nakho kuyindaba yesikhathi nokuphindaphinda. Abaningi bayayishiya inqubo ngaphambi kokuba ithole ithuba lokuziveza ngokwezibalo.
Indlela yokwakha ukuvumelana ekusebenzeni, hhayi ngamazwi kuphela.
Ukungaguquguquki kwangempela akuveli ekugqugquzelweni. Kuvela ezinhlelweni. Uhlelo lokusebenza olubhaliwe olunemigomo yokungena nokuphuma eqondile, imikhawulo yokulahlekelwa yansuku zonke echazwe kusengaphambili, kanye nejenali yokuhweba ebuyekezwa njalo yakha isakhiwo esenza ukungaguquguquki kube nokwenzeka, ngisho nangezinsuku ezinzima.
Kodwa-ke, isakhiwo sodwa asanele. Umhwebi kudingeka amukele ukuthi ukulahlekelwa kuyingxenye yanoma yiluphi uhlelo olunezilindelo ezinhle. Ngaphandle kwalokhu kwamukelwa kwangempela, i-oda lokuyeka ukulahlekelwa lihlala liyindawo yokukhungatheka hhayi indlela yokuvikela. Futhi ukukhungatheka, njengoba kwaziwa, kuyimbangela evame kakhulu yazo zonke iziphazamiso zokungaguquguquki emakethe.
Ekugcineni, ukuhambisana ekuhwebeni kwakhiwa ukuhweba ngokuhweba, usuku nosuku, ngezindinganiso ezifanayo, ngenqubo efanayo. Umphumela uvela njengomphumela, hhayi njengendawo yokuqala.
Uma uthatha ukuhweba ngokungathi sína, udinga ipulatifomu efanelekile. Ebinex Inikeza ukusebenza okusobala, ngaphandle kokushintshashintsha kwezithombe, kanye namathuluzi adingwa abadayisi abaqondisayo ukwakha ukuvumelana kwangempela. Vula i-akhawunti yakho, yenza kusebenze i-KYC/2FA, bese uncintisana emiqhudelwaneni ngemiklomelo ngamadola ezigabeni zenzuzo ephezulu, ivolumu ephezulu yokuhweba, kanye nevolumu ephezulu yediphozithi.
Ingabe ukujabulele okuqukethwe? Yabelana ngakho nabanye abadayisi bese ulandela izindatshana ezengeziwe ku-[igama lenkundla yezokuxhumana]. i-blog.ebinex.com
