Ndife, kapena tonse, takhala makasitomala a banki iliyonse. Dziwani lero, kuti kwa onse amene akuchifuna, mwa kulemekeza njira zina, ndichonso zotheka kukukhala membala mu banki yomweyi yomwe mwalumikizidwa nayo. Izi zikutanthauza kutindipo mudzakhala ndi magawo anu mu banki yomwe yanenedwayi, zomwe zidzakuthandizani kupeza mautumiki enaake. Izi, kwenikweni, ndizotheka pa la Savings Bank. Tsatirani ife, m'nkhaniyi, tikukufotokozerani zonse!
Kodi kukhala membala wa banki ndi chiyani?
Kukhala membala wa mutual bank zikufanana ndi kukhala ndi ma sheya kubanki imeneyo. Zotsirizirazi ndizofanana ndi magawo, koma zikuwonetsa chiopsezo chocheperako ndikukulolani kutenga nawo gawo pazosankha zomwe banki idapanga. Magawo nawonso sanatchulidwe pamisika yamasheya monga magawo ndipo ali ndi mtengo wokhazikika pa 20 euros. Iwo sali osamvera mfundo ya kupezeka ndi kufuna chifukwa chake musasinthe. Muli ndi mwayi kukhala kubwezeredwa kwathunthu ngati atagulitsa.
Ubwino ungapo ungakhalepo mutatenga nawo gawo pa ntchitoyi, chofunikira kwambiri ndi chakuti mwapatsidwa mwayi wochita nawo ntchitoyi kutenga nawo mbali pamisonkhano yayikulu kuti athe kuwongolera mwanzeru kampaniyo. Kukhala membala kumakhudzanso kutenga nawo mbali mwachangu kupititsa patsogolo utumiki zoperekedwa ndi banki mu:
- kuyang'anira ntchito za thumba;
- kukhala kazembe;
- kupereka maganizo ake pa kuthekera kwa ndalama ndi njira zomwe zingatsatire.
Khalani membala wa Caisse d'Epargne
chifukwa kukhala membala wa Caisse d'Epargne, kaya munthu wachilengedwe kapena wovomerezeka, zomwe muyenera kuchita ndikulembetsa kugawana. Kukhala membala wa banki yosungira ndalama kumatanthauza kukhala ndi mwayi wochita nawo zisankho za banki yanu, mamembala ali nawo mu moyo wa banki posankha oyimilira, olamulira komanso mamembala a msonkhano waukulu wa banki yosungira ndalama. Chifukwa chake, mudzakhala nawo mwanjira ina mphamvu ya kusintha ntchito Caisse d'Epargne kuyesa kukonza momwe angathere.
Misonkhano yayikuluyi imachitika chaka chilichonse, panthawi yomwe mutha kukambirana maso ndi maso ndi omwe amayendetsa banki yolumikizana komanso awo perekani malingaliro anu, malingaliro aliwonse, etc. Si msonkhano waukulu wokha wogawana malingaliro, zochitika zina zambiri zimakonzedwa mkati mwa chaka ndi savings bank.
Musaiwalenso kuti zomwe mumayika mu banki yosungira ndalama zidzakhala adabweza ndalama territorial project zomwe aliyense angapindule nazo, banki yosungira ndalama imakhala yogwira ntchito kwambiri mgwirizano chuma ndipo ndi m'modzi mwa oyamba opereka ndalama zothandizira anthu. Pokhala membala, mudzakhudzidwa mwachindunji kukonza banki yanu, komanso, za malo anu a moyo.
Banki yosungira ndalama imagogomezera ntchito za mgwirizano ndipo sazengereza kutero kupereka kupereka malo. Imayika ndalama m'ma projekiti angapo amderali komanso ophatikizana ndipo kudzera mu ndalama zanu, mumathandizira kuzindikira ma projekiti awa.
Ubwino wokhala membala wa Caisse d'Epargne
Vomerezani kukhala membala wa savings bank sizili zopanda phindu. Kukhala ndi magawo mu banki yolumikizanayi kudzakubweretserani zabwino zambiri:
The savings bank club
Les mamembala a banki yosungira ndi mwayi kukhala mbali ya banki chatsekedwa kalabu, umembala ndi kwaulere ndipo n'zotheka makasitomala onse akuluakulu ndi magawo.
m'tsogolo
Mabungwe ena a Caisse d'Épargne, monga omwe ali m'chigawo cha Brittany Pays de la Loire, agwirizana ndi tsogolo kuti apereke bokosi losambira kwa mamembala, m’bokosilo muli nkhani za kusukulu ndi za ukatswiri n’cholinga chothandiza achinyamata azaka zapakati pa 14 ndi 25 kukulitsa luso lawo. Bokosi lamtsogolo amapereka kwa makasitomala mamembala ku banki yosungiramo ndalama kumangirira komwe kumachitika m'magawo atatu. Gawo la 3ʳᵉ ndi ku kuchita mayesero osiyanasiyana, omaliza ndi awa:
- lipoti lotsogolera;
- BF5s, i.e. kuyezetsa umunthu;
- mayeso olimbikitsa, makamaka ndi "PRISM".
Gawo la 2ᵉ ndi kuyankhulana ndi kalozera wopereka a zokutira zopangira miyeso, ndipo potsiriza, siteji ya 3ᵉ imakhala ndi kaphatikizidwe ndi malingaliro atatu a maphunziro kapena akatswiri.
