I-mutual isekelwe kumgomo wokuzilawula ukuze kwandiswe intuthuko futhi inothise izifunda ezahlukene zezwe. Ivumela lawa makhasimende ukuthi ube yingxenye yabaphathi benkampani, ngokubanika ithuba lokuba amalungu ngemva kokuba amakhasimende nje.

Liyini ilungu? Ungaba kanjani ilungu? Yini izi izinzuzo zokuba yilungu ? Lesi sihloko sikunikeza izincazelo nolwazi oludingekayo ukuze ulungise imicabango yakho mayelana nalesi sihloko.

Liyini ilungu?

Ukuba yilungu kuwukusebenzisana nebhange noma inkampani yomshwalense ohlanganyelwe ngenkathi unesabelo kule nkampani. Ngamanye amazwi, ilungu linendima embaxambili: umnikazi kanye nomsebenzisi.

Iqhaza lakhe njengomnikazi ngokubambisana limenza abe nomnikazi wesabelo ebhange lendawo. Ngakho-ke kuvumelekile kuyena iqhaza kumavoti ahlelwe inkampani nganoma yisiphi isinqumo, kanye nayo yonke imicimbi ehlelwe yinkampani. Angaba yilungu lenkampani (i-health mutuals, mutual banks, njll.) ngemva kokwenza inkokhelo yenkontileka yobulungu.

Njengomuntu wemvelo, kuyenzeka ukuthi umuntu osemthethweni abe yilungu. Laba bakamuva bathola inkokhelo yonyaka kanye nezinzuzo ezivela ezinhlelweni ezimbalwa zamanani kumasevisi ahlinzekwa yinkampani.

Ilungu libamba iqhaza ekuthuthukisweni kwebhange lendawo futhi lingaba umlawuli, okungenakwenzeka kukhasimende elilula. Ngakho-ke singasho ukuthi ilungu liyisisekelo sezinhlelo zokubambisana ne-mutualist ye-Crédit Agricole. Ikhona amabhange amaningana nezinkampani zomshwalense ezihlangene ezinikeza leli thuba, singabala izibonelo ezimbalwa:

  • ilungu le-Banque Caisse d'Épargne;
  • ilungu le-Banque Crédit Agricole;
  • ilungu leBhange Labantu;
  • ilungu lenkampani yomshuwalense we-MAI mutual;
  • ilungu le-GMF mutual.

Ungaba kanjani ilungu?

Ukusuka kuklayenti uye kwilungu, unjalo ubophekile ukuthenga amasheya enkampanini, usebenzisa isikhwama sendawo noma sesifunda. Inkampani ehlangene inesibopho sokuchaza inani lenani lokubhalisa lamasheya; ngakho-ke iyaguquguquka futhi ihluke enkampanini eyodwa iye kwenye.

Amasheya anawo isikhathi esichazwe kahle sokuboshwa futhi azikho ohlwini. Uma ilungu futhi kungakhathalekile inani lamasheya anawo, wonke umuntu unawo wonke amalungelo okubamba iqhaza emihlanganweni emikhulu yebhange lendawo kanye nokuvotela izinqumo okufanele zithathwe.

Akwanele nje ukuba yilungu lebhizinisi, kodwa kubalulekile bamba iqhaza ngokuhambela imihlangano emikhulu nasemabhodini abaqondisi. Ukunikeza umbono wakho ngesikhathi samavoti nakho kubalulekile.

Ukwengeza, kufanele ubambe iqhaza empilweni yentando yeningi yomfelandawonye ngokuziveza nokuxhumana nabantu ngesikhathi somkhandlu wendawo kanye namakomiti ezifunda.

Izinzuzo zokuba yilungu

Kusobala ukuthi izibopho eziningi zikwenza uthole izinzuzo eziningi kakhulu. Ukusuka eklayentini lebhange elihlanganyelwe uye ekhasimendeni lenkampani kunezinzuzo eziningi. Zitholele izinzuzo zokuba yilungu:

  • Ikhadi lebhange lenkampani: ukubamba ikhadi lebhange lenkampani kukuvumela ukuthi ubambe iqhaza ekuthuthukisweni kwesifunda sakho, ngoba izimali ezihloselwe ukusekela imizamo yasendaweni zifakwa enkokhelweni ngayinye eyenziwe. Ukwengeza, ungabelana nge- I-Tooket ikhokhwe kuwe;
  • incwajana yelungu: amakhasimende angamalungu ayazuza ebhukwini lelungu elithile;
  • inzuzo yokwethembeka: inkampani inikeza izaphulelo nezaphulelo ezikhethekile kumakhasimende angamalungu nezihlobo zawo;
  • ngaphandle kwezinzuzo zebhange, ilungu linelungelo lokunciphisa ukufinyelela kumamyuziyamu kanye nemibukiso;
  • iqhaza emicimbini nasemihlanganweni ehlelwa yibhange kanye/noma ozakwethu futhi ngaleyo ndlela uhlangane nabantu abasha bese wenza izixhumanisi nezingcweti zendawo.

Ngakho-ke singaphetha ngokuthi ukusuka ekubeni yikhasimende le-mutual kuya ekubeni yilungu kungaba yinzuzo kuwe kuphela. Lokhu kuzibophezela ngeke kuvumele kuphela ukuthi wenze abangane abasha, ubambe iqhaza ekuthuthukisweni kwesifunda sakho, ngaphezu kokuthola imali.

Nokho,  ukuthengisa kabusha amasheya akho ngeke kube lula. Abacebisi kufanele baziswe okungenani kusasele inyanga eyodwa.