Ukuba ungumsebenzi karhulumente, ngoko ngokuqinisekileyo uyazi enye yeebhanki ezingcono kakhulu, iCASDEN, eyinxalenye yeBanque Populaire. Le bhanki yenzelwe amagosa karhulumente kuphela! NgeCASDEN kwaye njengomsebenzi waseburhulumenteni, unethuba lokuba ube lilungu. Ingaba isebenza kanjani ? Zeziphi iingenelo zayo yonke ibhanki yentsebenziswano yenkonzo karhulumente? Yile nto sicebisa ukuba siyityhile kuwe ngenqaku losuku!
Yintoni iCASDEN kwaye yenzelwe bani?
Ufanele ukwazi ukuba ekuqaleni iCASDEN (Caisse d'Aide Sociale de l'Education National) yadalwa ngabaprofesa (ootitshala) kwi-1951, yeyabo bonke. iibhanki ezidumileyo zaseFransi, kodwa nakwiqela leBPCE.
namhlanje ICASDEN ayisiyobhanki kuphela enelungelo layo, kodwa ikwaliqabane kunye ne-Banque Populaire, okuthetha ukuba njengegosa likarhulumente kwaye ukuba joyina iCASDEN, uba lilungu ngokuzenzekelayo kwaye ke ube nethuba lokuxhamla kwiingenelo ezininzi!
Ngokubanzi, iAmalungu eCASDEN ukusebenza kwicandelo likarhulumente okanye inkonzo, efana nale:
- iSebe lezeMfundo yeSizwe;
- amaziko emfundo karhulumente;
- imibutho yezemfundo;
- abasebenzi bakarhulumente abanxulunyaniswa ne-Banque Populaire;
- amagosa ezibhedlele.
I-CASDEN isekelwe ngokusekwe kumaxabiso, ekuthiwa yinto eqhelekileyo kubo bonke abasebenzi bakarhulumente, ibandakanya iimfuno kunye nezinto ezilindelekileyo kuwo onke amalungu kunye nezibophelelo zokuhlangabezana nazo. Amaxabiso ayo asekelwe ngokusisiseko:
- umanyano: ICASDEN ikhuthaza amalungu ayo ukuba agcine imali ngaphezu kwayo yonke into, injongo kukwenza ukuba bakwazi ukuxhasa ngemali iiprojekthi ngeyona ndlela ilungileyo;
- ubulungisa: oku kubandakanya ukuba ulondolozo lwenziwa ngokwesantya somntu ngamnye;
- trust: ICASDEN ayifuni ukuba amalungu ayo anike isiqinisekiso semali-mboleko;
- imvakalelo yenkonzo yendawo;
- kunye nomoya wentsebenziswano.
Akukho nto i-CASDEN ithathwa njengenye ye iibhanki ezingcono kubasebenzi bakarhulumente kunye namalungu.
Ungalilungu njani leCASDEN?
Ukuya ukujoyina iCASDEN, akukho lula! Kufuneka nje unikezele ngala maxwebhu alandelayo axhasayo:
- isazisi sakho;
- ipeyislip yakho yokugqibela;
- isatifikethi sokuhlala ngaphantsi kweenyanga ezi-3.
Njengoko uya kuqaphela, kulula ukwenzaukujoyina iCASDEN kwaye ukususela kusuku lokuqala, uya konwabela iinkonzo ezininzi ezinenzuzo evela kwiCASDEN Banque Populaire. Ewe kunjalo, kuya kufuneka uye kwisebe le-Banque Populaire kwingingqi yakho okanye uhlala unokhetho lokuya kubathunywa besebe leCASDEN.
Kwakhona yazi ukuba ICASDEN imanyene ne-L'ESPPER, engumbutho weqabane loqoqosho lwentlalo yesikolo seriphabliki. Ngaloo ndlela, amalungu aba ngamalungu okanye kunokuba abanini-ndawonye abapheleleyo beCASDEN. Amalungu eCASDEN nawo anelizwi lawo kwiintlanganiso zikawonke-wonke.
Iinzuzo zokuba lilungu leCASDEN
Njengelungu leCASDEN, le yokugqibela ikunika iingenelo ezininzi, ngakumbi kwixesha elide. Ngokusisiseko isekwe kugcino, ngumbulelo ongazenzisiyo kugcino lwakho ukuba unokuxhasa ngemali iiprojekthi zakho ngokulula!
Ngokugcina imali nangesantya sakho, uya:
- qokelela amanqaku eCASDEN, la manqaku adumileyo aya kuba negalelo ekunciphiseni ngokufanelekileyo nangokugqithisileyo izinga lemali-mboleko yakho;
- ukuba lilungu le-CASDEN kunye nomthengi we-Banque Populaire, emele iingenelo ezininzi, ngokukodwa inkonzo yendawo, oko kukuthi uya kwenza ukuthengiselana okuninzi kwi-counter eyodwa kunye neyodwa, ibhanki yeCASDEN kunye ne-Banque Popular;
- sebenzisa isiqinisekiso seCASDEN kwimeko yokuba uvumile ukubolekwa imali kwiBanque Populaire.
Ngewuyiqondile, njengelungu leCASDEN, okukhona ugcina, kokukhona izinga lokuboleka kwakho lihlala lisehla. Kwakhona qaphela ukuba amanqaku aqokelelweyo aya kubalwa nyanga nganye.
Ekugqibeleni, kufuneka ukwazi oko I-inshurensi yeCASDEN Ixabiso eliphantsi kakhulu kunekhontrakthi yeqela kwibhanki yemveli, kungcono, kule meko, ukubhalisa ngokuthe ngqo kwi-CASDEN yokufa, ukuyeka umsebenzi kunye ne-inshurensi yokukhubazeka.
