Xa kufikwa kwiPhepha leKhathireji yemali, abanini beshishini abaninzi bafuna ukwazi ubomi beshelufu yale nto ibalulekileyo. Ngaba ingaba igcinwe ngaphandle kokukhathazeka malunga nokuphelelwa? Okanye ngaba ubomi beshelf ifutshane kakhulu kunokuba uninzi lwabantu luyaqonda? Masiphonononge lo mbandela ngakumbi.
Okokuqala, kubalulekile ukuba uqonde ukuba leliphi iPhepha leRejista yeKhaya lenziwe. Olu hlobo lwephepha luhlala lushushu, okuthetha ukuba luhlanganiswe ngeekhemikhali eziza kutshintsha umbala xa ushushu. Oku kuvumela iphepha ukuba lisetyenziswe kwiirejista zemali kunye nezinye izixhobo ezivelisa iirisithi. Ngenxa yoku kutora, ubomi beshelfu yephepha lokubhalisa imali lusenokuba lukhulu ngakumbi kunelo phepha liqhelekileyo.
Ngokubanzi, ubomi beshelpi yephepha lokubhalisa imali bunokwahluka ngenxa yezinto ezininzi. Eyona nto ibaluleke kakhulu kwezi zinto ziimeko zokugcina. Ukuba iphepha ligcinwe kwindawo epholileyo nelomileyo, kude nokukhanya kwelanga ngqo kunye nokugxeka, kungagcinwa ixesha elide. Nangona kunjalo, ukuba ityhilwe kubushushu obuphezulu, umswakama, okanye ukukhanya kwelanga, umgangatho wephepha uya kuthi nkqo.
Enye into echaphazela ubomi beshelup yephepha lokurejista ngumgangatho wephepha ngokwalo. Iphepha eliphezulu elisemgangathweni linokuba nobomi obude beshelufa njengoko kuxhathisa ngakumbi kwizinto ezinokubangela iSovilage. Iphepha eliphantsi neliphepha elingaphantsi lingahlali kuhlala ixesha elide, ke kubalulekile ukuqwalasela oku xa kuthengwa iphepha lokubhalisa imali kwishishini lakho.
Ke, ngaba ubomi beshelf yephepha lokubhalisa imali? Impendulo ngu-ewe, lo gama nje igcinwe ngokufanelekileyo kwaye ilungelelene. Phantsi kweemeko ezifanelekileyo zokugcina, irejista yemali ingasetyenziselwa iminyaka eliqela ngaphandle kokulahleka komgangatho. Nangona kunjalo, ukuba igcinwe ngokungafanelekanga okanye yomgangatho ophantsi, inokubonisa iimpawu zokonakala ngokukhawuleza.
Amashishini asebenzisa iphepha lokubhalisa imali, kungcono ukulandelela ixesha lokuthenga kunye nokusebenzisa uluhlu oludala ngaphambi kokuba kuqinisekiswe ukusetyenziswa kwephepha kuqala kwi-Degrade. Oku kunceda ukukhusela nayiphi na imiba esemgangathweni xa isetyenziselwa iphepha kunye nezinye iinjongo.
Ngamafutshane, ukuba igcinwe ngokufanelekileyo kwaye ilungelelene kakuhle, ubomi beshelfu yephepha lokubhalisa imali luya kuba lude kakhulu. Kubalulekile ukuba amashishini athathele ingqalelo ezi zinto xa uthenga kwaye waligcina iphepha le-Cashier ukuqinisekisa ukuba lingasetyenziselwa ixesha elide kangangoko kunokwenzeka. Ngokuthatha la manyathelo, abanini beshishini banokuzithemba kumgangatho weerisithi kunye nezinye izinto eziprintiweyo, kwaye uphephe nayiphi na imiba enokubakho ngobomi beshelufu.
I-Post Time: Dec-27 ukuya ku-2003