I-mutual isekelwe kumthetho-siseko wokuzilawula ukwandisa uphuhliso kunye nokutyebisa imimandla eyahlukeneyo yelizwe. Ivumela aba bathengi ukuba ube yinxalenye yabaphathi benkampani, ngokubanika ithuba lokuba ngamalungu emva kokuba bengabathengi nje.
Yintoni ilungu? Unokuba lilungu njani? Zintoni ii iinzuzo zokuba lilungu ? Eli nqaku likunika iinkcazo kunye nolwazi oluyimfuneko ukulungisa iingcinga zakho malunga nesi sihloko.
Yintoni ilungu?
Ukuba lilungu kukunxulumana nebhanki okanye inkampani yeinshorensi ehlangeneyo ngelixa unesabelo kule nkampani. Ngamanye amazwi, ilungu linendima ezimbini: umnini-ndawo kunye nomsebenzisi.
Indima yakhe njengomnini-ndawonye imenza abe ngumnini wesabelo kwibhanki yasekuhlaleni. Kuvumelekile ke ngoko kuye ukuba inxaxheba kwiivoti eziququzelelwe yinkampani kuso nasiphi na isigqibo, kunye nazo zonke iziganeko eziququzelelwe yinkampani. Unokuba lilungu lenkampani (i-health mutuals, mutual banks, njl. njl.) emva kokuba enze intlawulo yesivumelwano sobulungu.
Njengomntu wendalo, kunokwenzeka ukuba umntu osemthethweni abe lilungu. Owokugqibela ufumana umvuzo wonyaka kunye neenzuzo kwiinzuzo ezininzi zamaxabiso kwiinkonzo ezinikezelwa yinkampani.
Ilungu lithatha inxaxheba ekuphuhliseni ibhanki yendawo kwaye ingaba ngumlawuli, ongenakwenzeka kumthengi olula. Ngoko ke sinokuthi ilungu lisisiseko sentsebenziswano kunye neenkqubo ze-mutualist yeCredit Agricole. Ikho iibhanki eziliqela kunye neenkampani inshorensi mutual ezibonelela eli thuba, sinokucaphula imizekelo embalwa:
- ilungu leBanque Caisse d'Epargne;
- ilungu leBanque Crédit Agricole;
- ilungu leBhanki yaBantu;
- ilungu lenkampani ye-inshurensi ye-MAI;
- ilungu leGMF mutual.
Unokuba lilungu njani?
Ukuya kwiklayenti ukuya kwilungu, unjalo kunyanzelekile ukuba athenge izabelo kwinkampani, kusetyenziswa ingxowa-mali yasekuhlaleni okanye yengingqi. Inkampani ehlangeneyo inoxanduva lokuchaza ixabiso lemali yobhaliso lwezabelo; ngoko ke iyaguquguquka kwaye iyahluka ukusuka kwinkampani ukuya kwenye.
Izabelo zine ixesha elichazwe kakuhle lokuvalelwa kwaye abadweliswanga. Xa sele elilungu kwaye nokuba zingaphi na inani lezabelo ezibanjiweyo, wonke umntu unalo lonke ilungelo lokuthatha inxaxheba kwiintlanganiso zikawonke-wonke zebhanki yendawo kunye nokuvotela izigqibo eziza kuthatyathwa.
Akwanelanga ukuba lilungu lequmrhu, kodwa kubalulekile ukuba Zibandakanye ngokuzimasa iintlanganiso jikelele nakwiibhodi zabalawuli. Ukunika uluvo lwakho ngexesha leevoti nako kubalulekile.
Ukongeza, kufuneka uthathe inxaxheba kubomi bedemokhrasi yentsebenziswano ngokuzivakalisa kunye nokusebenzisana nabantu ngexesha lebhunga lengingqi kunye neekomiti zengingqi.
Iinzuzo zokuba lilungu
Kucacile ukuba izibophelelo ezininzi zikwenza ufumane inzuzo eninzi ngakumbi. Ukuhamba kumthengi webhanki ehlangeneyo ukuya kumthengi wenkampani kuneenzuzo ezininzi. Fumana izibonelelo zokuba lilungu:
- Ikhadi lebhanki lenkampani: ukubamba ikhadi lebhanki lenkampani likuvumela ukuba uthathe inxaxheba ekuphuhliseni ummandla wakho, kuba iimali ezijoliswe ekuxhaseni amanyathelo asekuhlaleni zibalwa ngentlawulo nganye eyenziweyo. Ukongeza, ungabelana nge I-Tooket ihlawulwe kuwe;
- incwadana yelungu: abathengi abangamalungu bayaxhamla kwincwadana yelungu elithile;
- inzuzo yokunyaniseka: inkampani inikeza izaphulelo kunye nezibonelelo ezikhethekileyo kubathengi abangamalungu kunye nezihlobo zabo;
- ngaphandle kweenzuzo zebhanki, ilungu linelungelo lokucutha ukufikelela kwiimyuziyam kunye nemiboniso;
- ukuthatha inxaxheba kwimisitho kunye neentlanganiso eziququzelelwe yibhanki kunye/okanye namahlakani ayo kwaye ngaloo ndlela idibane nabantu abatsha kwaye yakha amakhonkco kunye neengcali zendawo.
Ngoko ke sinokugqiba ukuba ukusuka kumthengi we-mutual ukuya kwilungu kunokuba luncedo kuwe kuphela. Oku kuzibophelela akuyi kukuvumela kuphela ukuba wenze abahlobo abatsha, bathathe inxaxheba ekuphuhliseni ummandla wakho, ngaphezu kokufumana imali.
kunjalo, ukuthengisa kwakhona izabelo zakho akuyi kuba lula. Abacebisi kufuneka baziswe ubuncinane kwinyanga enye kwangaphambili.
