Sikhetha i-Renaissance Credit Bank. Ukubuyekeza - isici esinqunyiwe?

Kuze kube manje, kunamabhange ambalwa ahlukene abhalisiwe abanikeza inkonzo efanayo emhlabeni wonke, kodwa ahluke kanjani komunye nomunye? Abaningi babo banikeza ngezinsizakalo ngemali mboleko, imali, ukushintshaniswa kwemali, ukudluliselwa kwemali nokunye okunye okuthengiselanayo. Isibonelo, ungabheka i- Renaissance Credit Bank, ubufakazi bokuthi amaklayenti ayo akhombisa ukuthi isikhungo sayo sezezimali senza imisebenzi yaso ngekhwalithi futhi ngokushesha, ngoba yilokhu okuheha amakhasimende amasha. Iziphi izinto esiziqaphelayo lapho sikhetha ibhange? Ingabe sihlaziya izitatimende zezimali ngaphambi kokuqala kokubambisana?

Ukulinganisa kwamabhange kusekelwe ezintweni eziningi nezinkomba. Lezi zingabakhokhelwa imali ekhokhwayo, imali ebhalansi, izikweleti ze-interbank, imiphumela yemali nokunye. Yonke le datha ithunyelwa emibikweni ejwayelekile, futhi ngesisekelo sabo isilinganiso sebhange sakhiwe. Isibonelo, i-Renaissance Credit Bank inezinga eliphezulu lokukhula okuphezulu: ngokwesilinganiso izinyanga ezingu-8 ukwanda kwenyanga kwaba ngaphezu kwezigidi ezingu-6 ze-hryvnia, kanti izinga lokubuyiswa kwamaphesenti ali-3.36.

Sikhetha kanjani ibhange? Kunezinketho eziningi: ukuhlaziywa okujulile kwemisebenzi nemiphumela yezimali, ukukhetha okuphoqelelwe noma ngokutadisha ukukhangiswa komfanekiso wenkampani.

Indlela yokuqala iyilungile kakhulu, ngoba ngosizo lwayo ungaqiniseka okungenani amaphesenti angama-95 ekuqineni kwesikhungo. Isibonelo, kukhona ibhange elingaziwa kancane elivulwe futhi lingenalo iklayenti. Ungavuma ukubeka idiphozi ye-UAH 50,000 kuwo? Mhlawumbe, cha, ngoba ngisho nokho akuqinisekisiwe ukuthi le nkampani izoba khona ngenyanga ezayo futhi ayiyikhohliswa. Kodwa ibhange, elasungulwa ngo-2006 futhi linamakhombandlela aqinile, lingase likuthande. Isikhungo esinjalo singaba yisiKweletu se-Renaissance, ukubuyekezwa kungabonisa ukungathí sina kwezinhloso zayo ezimakethe zezinsizakalo zezezimali.

Enye indlela kukhona abantu abathile, ngokwesibonelo, abathola isamba, i-scholarship noma impesheni ekhadini lebhange. Lapha, abaphathi benkampani efanele babonisa inkontileka nebhange elithile futhi abasebenzi batshelwa ukuthi badinga ukuya kulowo nalowo mnyango futhi bathole ikhadi okuyokhokhwa ngalo njalo.

Indlela yesithathu kokubili ingathembeki futhi inokwethenjelwa ngesikhathi esifanayo. Ngakolunye uhlangothi, ungakhetha kanjani ibhange ngokusekelwe kuphela ku-logo enhle, ukukhangisa okucacile noma ukubuka nje ikhasi laseBhange lokuvuselela izibuyekezo? Yiqiniso, umuntu angasho ukuthi lokhu kuyingozi kakhulu empilweni yomuntu wezezimali. Kuvame ukushiwo ukuthi ukwehluleka ukukhangisa ukufihla emisebenzini yobuchwepheshe. Lokhu, ngokwengxenye, kuyiqiniso, kodwa lo mbuzo ungacatshangwa ngakolunye uhlangothi. Inkampani kuphela ephumelelayo ingakwazi ukuqasha iqembu elinjalo elizokwazi ukunakwa bonke abantu esitokisini sokukhangisa noma i-poster yalokhu ebhange elithile. Ingabe kulula ukudala i-logo ebambekayo futhi ebambekayo? Cha, kunzima kakhulu! Futhi esibonelweni se-Renaissance Credit Bank, esinobufakazi bazo abathengi abaqinisekiswa yizinga eliphezulu nekhwalithi yomsebenzi walo, singaphetha ngokuthi le ndlela ayisoze ihluleke ukuhluleka, kodwa, ngokuphambene nalokho, ingavulela inkampani ethembise kakhulu futhi enokwethenjelwa!

Ngakho, ngaphambi kokuba ngamunye wethu, ngokushesha noma kamuva, umbuzo wokukhetha ibhange uba. Izizathu zingase zihluke: isidingo sezikhungo zezikweletu, ukulula ukukhokhela ikhadi, hhayi imali, njalonjalo, ngoba izisusa zihlukile kuwo wonke umuntu. Kunezindlela ezintathu kuphela ezijwayelekile, zizokusiza ukhethe ibhange elizokulandela. Kodwa umphumela omuhle ungafinyelelwa kuphela lapho kungenzeka khona ukuhlanganisa ukuhlaziywa kwemiphumela yezimali kanye nesithombe senkampani, futhi uma kwenzeka amabhange njengeKrethemende ye-Renaissance, ukubuyekezwa kuzosiza futhi ukwenza okulungile!