Hoʻokumu ʻia ka ʻokoʻa ma ke kumu o ka hoʻokele ponoʻī e hoʻonui i ka hoʻomohala a hoʻonui i nā ʻāpana like ʻole o ka ʻāina. Hāʻawi ia i kēia mau mea kūʻai aku e lilo i ʻāpana o nā mana o ka hui, ma ka hāʻawi ʻana iā lākou i ka manawa e lilo ai i lālā ma hope o ka lilo ʻana i mea kūʻai aku.
He aha ka lālā? Pehea e lilo ai i lālā? He aha nā nā pōmaikaʻi o ka lilo ʻana i lālā ? Hāʻawi kēia ʻatikala iā ʻoe i nā wehewehe a me nā ʻike e pono ai e wehe i kou mau manaʻo e pili ana i kēia kumuhana.
He aha ka lālā?
ʻO ka lilo ʻana i lālā e pili pū me kahi panakō a i ʻole hui ʻinikua like ʻole me ka loaʻa ʻana o kahi ʻāpana i kēia hui. I nā huaʻōlelo ʻē aʻe, ʻelua kuleana o ka lālā: co-owner a me ka mea hoʻohana.
ʻO kāna kuleana ma ke ʻano he mea nāna e hoʻolilo iā ia i mea paʻa i kahi ʻāpana ma ka panakō kūloko. No laila ua ʻae ʻia iā ia komo i nā balota i hoʻonohonoho ʻia e ka hui no kekahi hoʻoholo, a me nā hanana a pau i hoʻonohonoho ʻia e ka hui. Hiki iā ia ke lilo i lālā o ka hui (ʻoihana olakino, hui pū kekahi, a me nā mea ʻē aʻe) ma hope o ka uku ʻana i kahi ʻaelike lālā.
E like me ke kanaka maoli, hiki i ke kanaka kānāwai ke lilo i lālā. Loaʻa i ka mea hope ka uku makahiki a me nā pōmaikaʻi mai kekahi mau kumukūʻai maikaʻi ma nā lawelawe i hāʻawi ʻia e ka hui.
Ke komo nei kekahi lālā i ka hoʻomohala ʻana i ka panakō kūloko a hiki ke lilo i luna hoʻomalu, ʻaʻole hiki i kahi mea kūʻai maʻalahi. No laila hiki iā mākou ke ʻōlelo ʻo ka lālā ke kumu o ka hui pū ʻana a me nā ʻōnaehana mutualist o Crédit Agricole. Aia nō kekahi mau panakō a me nā hui ʻinikua like e hāʻawi i kēia manawa, hiki iā mākou ke haʻi i kekahi mau laʻana:
- lālā o Banque Caisse d'Épargne;
- lālā o Banque Crédit Agricole;
- lala o ka Banako o na Kanaka;
- lala o ka hui 'inikua hui MAI;
- lālā o ka hui GMF.
Pehea e lilo ai i lālā?
No ka hele ʻana mai ka mea kūʻai aku i ka lālā, ʻo ʻoe koi ʻia e kūʻai i nā ʻāpana o ka hui, me ka hoʻohana ʻana i ka waihona kālā kūloko a kūloko paha. Na ka hui hui e wehewehe i ke kumukūʻai o ka nui o ke kau inoa o nā ʻāpana; no laila he ʻokoʻa a ʻokoʻa mai kekahi hui i kekahi.
Loaʻa nā ʻāpana he manawa paʻa i wehewehe pono ʻia a ʻaʻole i helu ʻia. I ka manawa he lālā a me ka nānā ʻole i ka nui o nā ʻāpana i mālama ʻia, aia nā kuleana āpau e komo i nā hālāwai nui o ka panakō kūloko a koho i nā hoʻoholo e lawe ʻia.
ʻAʻole lawa ka lilo ʻana i lālā ʻoihana, akā he mea nui ia komo ma ka hele ana i na halawai nui a ma na papa kuhikuhi. He mea nui nō hoʻi ka hāʻawi ʻana i kou manaʻo i ka wā o ke koho balota.
Eia kekahi, pono ʻoe e komo i ke ola democratic o ka hui ma ka hōʻike ʻana iā ʻoe iho a me ka launa pū ʻana me nā poʻe i ka wā o nā ʻaha kūkā kūloko a me nā komite kūloko.
Nā pōmaikaʻi o ka lilo ʻana i lālā
ʻIke ʻia ʻoi aku ka nui o nā hoʻohiki e loaʻa iā ʻoe nā pōmaikaʻi hou aʻe. ʻO ka hele ʻana mai kahi mea kūʻai aku o kahi panakō i kahi mea kūʻai aku o ka ʻoihana he nui nā pono. E ʻike i nā pōmaikaʻi o ka lilo ʻana i lālā:
- ʻO ke kāleka kāleka hui: ʻo ka paʻa ʻana i kahi kāleka panakō hui e hiki ai iā ʻoe ke komo i ka hoʻomohala ʻana i kou ʻāina, no ka mea, ʻo nā kālā i manaʻo ʻia e kākoʻo i nā hana kūloko e hōʻaiʻē ʻia me kēlā me kēia uku. Eia hou, hiki iā ʻoe ke kaʻana like i ka Tooket uku ia oe;
- ka puke liʻiliʻi o ka lālā: pōmaikaʻi nā mea kūʻai mai i ka puke liʻiliʻi o ka lālā;
- ka maikaʻi o ka kūpaʻa: hāʻawi ka hui i nā uku a hāʻawi i nā makana kūikawā no nā mea kūʻai aku lālā a me ko lākou ʻohana;
- Ma waho aʻe o nā pōmaikaʻi o ka waihona kālā, pono ka lālā no ka hoʻemi ʻana i ke komo ʻana i nā hale hōʻikeʻike a me nā hōʻikeʻike;
- komo i nā hanana a me nā hālāwai i hoʻonohonoho ʻia e ka panakō a me / a i ʻole kona mau hoa a no laila e hālāwai me nā poʻe hou a hoʻopaʻa i nā loulou me nā ʻoihana kūloko.
No laila hiki iā mākou ke hoʻoholo i ka hele ʻana mai kahi mea kūʻai aku i kahi lālā hiki ke lilo i mea pono nou. ʻAʻole ʻae kēia ʻae wale iā ʻoe e hana i nā kamaʻāina hou, e komo i ka hoʻomohala ʻana i kāu wahi, me ka loaʻa kālā.
Eia naʻe, ʻAʻole maʻalahi ke kūʻai hou ʻana i kāu mau ʻāpana. Pono e hoʻolaha ʻia nā ʻōlelo aʻoaʻo ma kahi o hoʻokahi mahina ma mua.
