Njengoko imeko yezemali iguquka, kunjalo ke iindlela ezifumanekayo kubantu abafuna imali-mboleko kunye nokubambisa.Kweli xesha lokusungula izinto ezintsha, iimali-mboleko ezingezizo ezemveli kunye neemali mboleko ziye zavela njengenye indlela eguqukayo kwinkxaso-mali eqhelekileyo.Eli nqaku liphonononga ukuntsonkotha kwezi zisombululo zemali ezingezizo ezemveli, zikhanyise kwiimpawu zazo, iinzuzo, kunye nokuqwalaselwa kwazo.

Ukutyhilwa kweeMali-mboleko ezingezizo ezeMveli kunye neeMali-mboleko

1. Ukuchaza iNkxaso-mali engeyiyo eyeMveli:

• Iimali-mboleko ezingezizo ezemveli kunye neemali mboleko zimele ukushenxa kwiimodeli eziqhelekileyo zokuboleka ezinikezelwa ziibhanki zemveli.
• Ziquka uluhlu olwahlukeneyo lweemveliso zemali eziyilelwe ukunceda abantu abaneeprofayili ezizodwa zezimali okanye abo bafuna iindlela ezizezinye kulwakhiwo lwemali yokubambisa.

2. Iimpawu eziphambili zeNkxaso-mali engeyiyo eyeMveli:

• Iinqobo zokufaneleka zokufaneleka: Ngokungafaniyo nemali-mboleko yemveli, inkxaso-mali engeyiyo eyemveli ihlala ineemfuno zokufaneleka ezibhetyebhetye, ezihlalisa ababoleki abaneemvelaphi zemali ezahlukeneyo.
• Ulwakhiwo olutsha: Ezi zixhobo zemali zinokubonisa izinto ezintsha ezifana nemali-mboleko yenzala kuphela, iimali-mboleko ezihlengahlengiswayo (ii-ARM), okanye iimali-mboleko ezinemiqathango yokuhlawula eyodwa.
• Ababolekisi abakhethekileyo: Iimali-mboleko ezingezizo ezemveli zihlala zibonelelwa ngababolekisi abakhethekileyo, kubandakanywa nababolekisi be-intanethi, imibutho yamatyala, kunye namaziko abucala abolekisa ngemali.

Ukuphonononga iiNzuzo zeNkxaso-mali engeyiyo eyeMveli

1. Ukubandakanywa kunye nokuFikelela:

• Iimali-mboleko ezingezizo ezemveli zibonelela ngokufikelela kwinkxaso-mali kubantu abanokujongana nemiceli mngeni yokufumana imali-mboleko yemveli ngenxa yemithombo yengeniso engaqhelekanga okanye imbali yetyala.

2. Izisombululo ezilungiselelweyo:

• Ababoleki bahlala befumana izisombululo ezilungelelanisiweyo ezihambelana neemfuno zabo zemali kunye neenjongo, ezivumela amava okuboleka alungiselelwe umntu.

3. Iinkqubo zokuVuma eziKhawulezayo:

• Ababolekisi abangengabo bemveli banokusebenzisa iinkqubo ezilungelelanisiweyo, ezikhokelela kumaxesha okwamkelwa okukhawulezayo xa kuthelekiswa namaxesha amaninzi amade anxulunyaniswa namaziko emali emveli.

4. Ulwakhiwo lweeMali-mboleko olwahlukeneyo:

• Ababoleki bangakhetha kwiintlobo ngeentlobo zeendlela mboleko, kuquka intlawulo yenzala kuphela, ii-ARM ezixubeneyo, okanye iimali-mboleko ezinendlela yokubhala phantsi.

5. Ukuveliswa kwezinto ezintsha kwiTekhnoloji:

• Uninzi lwababolekisi abangengabo bemveli basebenzisa itekhnoloji ukomeleza amava okuboleka, ukunika izicelo ze-intanethi, ukuvunywa ngokukhawuleza, kunye neendlela zonxibelelwano ezisebenzayo.

Iingqwalaselo phambi kokuKhetha iNkxaso-mali engeyiyo yesiNtu

1. Amaxabiso enzala kunye neMiqathango:

• Vavanya amazinga enzala kunye nemigaqo eyayanyaniswa neemali-mboleko ezingezizo ezemveli.Ngelixa zinokubonelela ngokuguquguquka, kubalulekile ukuqinisekisa ukuba imigaqo ihambelana neenjongo zakho zexesha elide.

2. Qonda ubume beMbuyiselo:

• Qonda izinto ezintsonkothileyo zendlela yokuhlawula, ngakumbi ukuba ukhetha iimodeli ezintsha ezifana nemali-mboleko yenzala kuphela.Qaphela ukuba iintlawulo ziya kuvela njani ekuhambeni kwexesha.

3. Ukuthembeka koMboleki:

• Phanda ngokuthembeka kombolekisi ongengowemveli.Jonga uphononongo, izingqinisiso, kwaye uqinisekise ukuba ziyahambelana neendlela zokubolekisa ngemali.

4. Ithuba loLungiso lweRhafu:

• Kwimali ebolekayo elungelelanisiweyo, qonda uhlengahlengiso olunokwenzeka kwixa elizayo.Zilungiselele utshintsho kwiintlawulo zakho zenyanga.

5. Ukuthotyelwa koMgaqo:

• Qinisekisa ukuba umboleki-mali ongengowemveli uhambelana nemigangatho yolawulo.Ukuqinisekisa ukuba banelayisenisi kwaye bagunyaziswe ukuba babonelele ngeenkonzo zemali.

Ukuqukumbela

Iimali-mboleko ezingezizo ezemveli kunye neemali zokubambisa zimele inguquko eguquguqukayo kummandla wezezimali zomntu, ezibonelela ngezisombululo ezintsha zoluhlu olwahlukeneyo lwababoleki.Ngelixa izibonelelo zokubandakanywa, ukufikeleleka, kunye nezisombululo ezilungelelanisiweyo zinyanzelekile, inkuthalo efanelekileyo ekuqondeni amazinga enzala, izakhiwo zentlawulo, kunye nokuthembeka kombolekisi kubaluleke kakhulu.Ngokwamkela amathuba anikezelwe yinkxaso-mali engeyiyo eyemveli kunye nokwenza izigqibo ezizizo, ababoleki banokujonga kulo mmandla uguqukayo ngokuzithemba, befumana izisombululo zemali ezihambelana neemfuno kunye neemeko zabo ezizodwa.