Wake wezwa nge Ukubhanga ngendlela yokuziphatha? Hlobo luni lwamabhange? Ngabe kusho ukuthi lawe okumanje awathathwa njengamabhange alungile?
Uma ufuna ukwazi ukuthi yini ukubhenka okulungile, ukuthi yimaphi amabhange ayingxenye yawo nakho konke okufanele ukwazi ngawo, khona-ke sikushiya uhlele yonke imininingwane ukuze uyiqonde kalula.
Liyini ibhange lokuziphatha
I-Ethical banking iyinhlangano enomgomo wokunikeza amakhasimende imikhiqizo ekhiqiza inani lomphakathi futhi enesibopho, okungukuthi, imikhiqizo eyamukelekayo ngokokuziphatha futhi engaphikiswa emphakathini.
Ngamanye amagama, sikhuluma nge-a uhlobo lwebhizinisi lapho izinzuzo zezomnotho zingabalulekile njengamaphrojekthi ezenhlalo. Lokho wukuthi, abakufunayo ukwenza inzuzo ngayo yonke imali eyenziwe yimisebenzi yabo. Ngaphezu kwalokho, iklayenti liyacatshangelwa, kokubili emibonweni yabo nohlobo lwamaphrojekthi enziwayo.
Inhloso enkulu yokubhanga ngendlela eyiyo akuyona enye ngaphandle kokuthuthukisa umphakathi futhi nokugcina imvelo. Ukwenza kanjani lokho? Yebo, ngemikhiqizo yezezimali esimeme, njengokusebenzisa imali ngendlela efanele, ukutshalwa kwezimali okusimeme, njll.
Umsuka webhange lokuziphatha
Yize ungahle ungayazi, ngoba empeleni kungumqondo ongekho kakhulu ezindebeni zawo wonke umuntu, iqiniso ukuthi ukubhenka okulungile bekusebenza kusukela ngeminyaka yama-80s lapho kwavela khona. Bakwenze kuqala enkabeni nasenyakatho yeYurophu futhi kancane kancane kuye kwenziwa kwamanye amazwe.
Kusukela lapho, izici ezichaza ukubhenka okulungile ziye zaqhubeka ukubekezela ngokuhamba kwesikhathi, okusho ukuthi, ukunikela ngemikhiqizo edala inani lomphakathi, ukutshala imali kulawo maphrojekthi amukelekile ngokokuziphatha noma okubandakanya bobabili abasindisa imali nabaxhaswe ngezimali.
Izici zebhange lokuziphatha
Ebhange lokuziphatha kufanele ucabangele eminye imiqondo ethi, emabhange ajwayelekile, yehluke kakhulu. Isibonelo:
- Amaklayenti azi ngaso sonke isikhathi ukuthi imali yawo isetshenziswa kanjani, imiselwe yiphi imiklamo futhi angazi ngisho nenkampani noma abantu abaxhasayo.
- Le mali kumele ngaso sonke isikhathi isekelwe ekusetshenzisweni komphakathi, okungukuthi, kufanele kwenziwe kuphela kumaphrojekthi azuzisa umphakathi noma imvelo.
- Ungasungula izinsiza kanye nokulandelwa kwamaphrojekthi, okungukuthi, akuyona nje indaba yokushiya imali, kepha empeleni uzama ukuxhasa nokusiza labo abanezimali.
- Zonke izinsizakusebenza eziklanyelwe ukudala amathuba emisebenzi kanye nokufakwa kwabantu emsebenzini abasengozini yokuvalelwa ngaphandle emphakathini, kanye nasemaphrojekthi asimeme asebenzayo.
Lisebenza Kanjani i-Ethical Banking
Ukuze uqonde ukuthi ukusebenza kwamabhange ngendlela efanele kufanele ucabangele kanjani imigomo emihlanu elawula isisekelo sezezimali zokuziphatha. Ngokuqondile, sibhekisa ku:
- Ukungafihli lutho, ngomqondo wokuthi bobabili abasindisi kanye nabatshalizimali banelungelo lokwazi ukuthi kwenzekani ngemali yabo nokuthi itshalwa kuphi. Kufanele kube nokucaca nokuba sobala kohlangothi lwebhizinisi ukwazisa ngaso sonke isikhathi ngokwenziwa ngemali, ukuthi iyaphi nokuthi isiza ukwenzani.
- Usizo lomphakathi, okungukuthi, wonke amaphrojekthi enziwayo kufanele abe wusizo emphakathini. Ngalesi sizathu, kufanele bahlangabezane nezidingo ezithile njengokuthi zisiza ekwakheni amathuba emisebenzi, ekutshalweni kwemali yezenhlalo nezabasebenzi, ekwehliseni ukungalingani, ekwenzeni ngcono imvelo ...
- Ukwesekwa nokuxoxisana, ngomqondo wokuthi lolu hlobo lwamabhange alukwazi ukugxila kuphela ekutholakaleni kwemali abolekisa ngayo, kepha ekuxoxisaneni nasekusizeni amaklayenti.
- Ukusebenza kahle, ngoba akuwona amabhange "ayizimungulu", nanoma yimuphi umsebenzi abawenzayo, futhi obeka engcupheni imali yamakhasimende abo, kumele kusebenze, okusho ukuthi, lokho akubonisi ukulahlekelwa yikhasimende labo futhi, uma kungaba, kukhona inzuzo emphakathini.
- Isibopho, ngomqondo lapho kufanele bahlole isibopho somtshali-zimali kanye neklayenti ukwenza izinqumo.
Uma ubheka lokhu, okwenziwa yibhange lokuziphatha ngendlela efanayo kufana kakhulu namabhange endabuko, yize kwehlukile kulokhu ngoba zombili izinsimbi ezisindisa imali nezimali zizohambisana, zisebenzisane futhi zibambe iqhaza kumaphrojekthi. Ngakolunye uhlangothi, ama-savers aboleka izinsiza zawo azi ukuthi asetshenziselwa ini nokuthi azosetshenziselwa ini; ngakolunye uhlangothi, abaxhasiwe, noma abakweletayo, bazoba nemali abayidingayo ukuze bakwazi ukuncintisana kakhulu futhi futhi baqale iphrojekthi yabo.
Imiphi imikhiqizo onayo
Uma umbono webhange lokuziphatha uqala ukukhathalela, kufanele ukwazi lokho imikhiqizo nezinsizakalo ezinikezayo ziyefana kakhulu nalezo zamanye amabhange. Yini ama-eos?
- Izincwadi zokubhala namakhadi.
- Izimali zokutshala imali.
- Ama-Microcredits.
- ...
Umehluko omkhulu phakathi kwamabhange aziwa kakhulu kanye namabhange okuziphatha kususelwa ikakhulu eqinisweni lokuthi amakhomishini akhokhelwayo azosetshenziselwa izinhloso zomphakathi. Njalo.
Yimaphi amabhange wokuziphatha akhona eSpain
Umbuzo omkhulu okungenzeka ukuthi uzibuza wona cishe kusukela ekuqaleni kwalesi sihloko. Ingabe kukhona amabhange okuziphatha eSpain? Impendulo inguyebo. Yize bengaziwa, bayasebenza eSpain.
Phakathi kwabo singakucaphuna:
- I-Ethical banking Fiare.
- I-Triodos Bank.
- Isiqephu 57.
- oikocredit.
- UColonya, uCaixa Pollença.
- Caixa d'Enginyers.
- I-FonRedess.
- Winkomun.
- U-Arç Cooperativa noServes Seguros.
Vele kunezinto eziningi ezingekho eSpain kepha ezisebenza emazweni omhlaba.
Uma ngemuva kokufunda ngebhange lokuziphatha okuhle bekudonsele amehlo futhi ufuna ukwazi okuningi ukushintsha imali oyongele imali ebhange, into yokuqala esiyincomayo ukuthi wenze ucwaningo oluningi. Khuluma namabhange ahlukene ukuthola umbono ongcono ngayo. Ngale ndlela uzokwazi ukwazi ukuthi hlobo luni lwezinhlangano, ukuthi uzibophezela kuphi nokuthi ngabe kungenzeka yini kuwe. Kungaba ukugqashula nebhange lakho noma ukwaba ingxenye yokonga kwakho kwelinye ibhange okuthi, lapho likhona, likunikeze ukusetshenziswa okunenzuzo enkulu emphakathini nakwezemvelo.