Uma sezidaliwe, amadlelandawonye amaningi akhiqiza uchungechunge lwezinto okufanele zicace futhi zibe khona. Kuyafana nezidingo ezivelayo ngesikhathi sokwamukelwa kulezi zinhlangano. Kulesi sihloko sizobona konke okuhlobene nesimo se-akhawunti yesheke ye-Capstula Cooperative nokunye.
Isitatimende sombuzo we-Capsule se-akhawunti
Ngokuphathelene nesevisi yokubonisana yesitatimende se-akhawunti ye-Capstula, ibhekisela ohlelweni lombhalo okhishwa inhlangano ngokwayo kumalungu noma abahlanganyeli bayo, ngenjongo yokunikeza ulwazi olufanele mayelana nokunyakaza kwe-akhawunti yokulondoloza ngokwabo.
Iyini i-Capsule?
Ngaphambi kokungena ekuthuthukiseni isihloko ngokuqhubekayo, kufanele sicacisele umfundi ukuthi iyini i-Caja de Ahorros y Previsión de los Trabajadores de la Universidad de los Andes, eyaziwa ngesifinyezo sayo esithi CAPSTULA. Futhi singasho ukuthi indikimba elawula izinsiza zebhange lokonga labasebenzi lase-Universidad de los Andes.
Sibuyela esihlokweni esithi Isitatimende se-Capsule se-akhawunti, kufanele sisho ukuthi ulwazi oluqukethwe kuzitatimende ze-akhawunti lwenziwa ngendlela yokufingqa futhi ngokuvamile ngokuvamile nyanga zonke. Yonke imininingwane equkethwe kuzitatimende ze-akhawunti ye-Capstula iba ibhalansi enikeza abahlanganyeli ithuba lokubona ngokuningiliziwe izici ezifana nalezi:
- Idatha yomuntu siqu yabahlanganyeli, kanye ne-akhawunti yabo yokonga kanye nekhredithi noma amakhredithi abawacelile.
- Umnyakazo owenziwe ngokuhlobene ne-akhawunti yokonga yomsebenzisi namakhredithi abo.
- Futhi unenketho yokubuyekeza ibhalansi ye-akhawunti yakho yokulondoloza.
- Ungabuyekeza idethi yokudala isitatimende se-akhawunti namadethi okwenziwayo.
Okunye okungenzeka okuvela ngenxa yemihlangano yamalungu e-Caja de Ahorros y Previsión de los Trabajadores ye-Universidad de Los Andes CAPSTULA, Ibhodi Labaqondisi benhlangano eshiwo lenza izici ezintathu ezibalulekile; uphakamisa, ugunyaze futhi uhlaziye izici ezilandelayo:
- Izinhlelo zokutshala izimali zonyaka.
- Amakhredithi e-mortgage.
- Ukuxhasa ngezimali izinqubomgomo zenkonzo yomngcwabo.
- Imali mboleko eyisipesheli egunyazwe ngokufanelekile.
- Isikhwama sokuvikeleka komphakathi kanye nosizo lwezokwelapha, phakathi kokunye.
Ngokufanayo, nokuzama ukuqinisekisa ukuthotshelwa kokulawulwa kwezinsiza ezabiwe, Ibhodi Yabaqondisi BeCapstula efanayo ikhuthaza ukusebenza kokuhlolwa kwabaphathi. Lokhu okungenhla kwenziwa yiCapstula ngenhloso noma inhloso yokukhulisa izinzuzo zabasebenzi base-ULA.
Izinyathelo zokuhlola isimo se-akhawunti
Inketho ye-capsule yombuzo wesitatimende se-akhawunti ekhiqizwa inhlangano ngokwayo ingenziwa kusukela ngesikhathi lapho abahlanganyeli bayo benza isinyathelo sokubhalisa ngokuqondile ngewebhusayithi yenhlangano. Uma isifiso siwukubhalisa ekhasini le-Inthanethi le-Capstula, umsebenzisi ngokwakhe kufanele afake isixhumanisi esitholakalayo, ukuze aqale iseshini njengabasebenzisi abasha.
Uma umsebenzisi omusha efaka isixhumanisi sokuqala, kufanele afinyelele inketho yokubhalisa ngenkinobho ebhalwe “Umsebenzisi Omusha? bese uya kunketho ethi "bhalisa". Okulandelayo, ikhasi ngokwalo lizobonisa iwindi lapho isicelo sedatha senziwa kubasebenzisi futhi yilaba abalandelayo:
- Inombolo kamazisi yekhadi likamazisi.
- Ikhodi yomsebenzisi: Kuleli qophelo, umsebenzisi uzobeka igama okumele akhonjwe ngalo kamuva futhi azongena ngalo kuwebhusayithi ye-Capstula noma ingosi.
- Iphasiwedi noma ukhiye: Umsebenzisi kufanele afake iphasiwedi angangena ngayo ingosi yewebhu ye-Capstula uma eseyidinga.
- Kumelwe uqinisekise ukhiye noma iphasiwedi, usebenzisa kahle izinhlamvu ezibekwe endaweni edlule.
- Imeyili: Ngokufanayo, umsebenzisi kufanele abeke ikheli le-imeyili lomuntu siqu efomini, njengoba i-Capstula kufanele ithumele lapho noma yiluphi uhlobo lolwazi noma isaziso esidingekayo kumsebenzisi.
- Inombolo yocingo: umsebenzisi kuzodingeka afake izinombolo zocingo ezimbili (2) futhi eyodwa yazo izoba yisibopho ukuze i-Capstula ixhumane nomsebenzisi uma kunesidingo nganoma yisiphi isizathu.
- Ngendlela efanayo, umsebenzisi kufanele akhiqize idatha yekheli ebonisa idolobha, isifunda kanye nekheli lokuhlala lamanje.
- Igama lebhange: Kufanele futhi ukhombise igama lebhange olisebenzisayo.
- Izophinde ikhombise inombolo ye-akhawunti yasebhange.
Kudingeka ukuthi umfundi acacise ukuthi izinkambu zokuqala zefomu ziyimpoqo futhi kufanele zigcwaliswe ngendlela efanele.
Uma umsebenzisi ekhohlwa ukubeka noma iyiphi idatha eceliwe ezinkambini zokuqala eziyisithupha, ukubhaliswa kuzonqatshwa yikhasi lewebhu ngokwalo.
Ukubuyekezwa kombiko ohlobene nendawo yabahlanganyeli
Uma ufuna ukufaka imininingwane yabahlanganyeli, abasebenzisi asebebhalisiwe bangakwenza lokho ngokungena ngqo kusixhumanisi sokungena futhi ngalokhu kufanele ugcine engqondweni lokhu okulandelayo:
- Ikhodi yomsebenzisi.
- Iphasiwedi noma ukhiye. Esimeni sokukhohlwa iphasiwedi ngumsebenzisi, angase ayithole ngesixhumanisi esifanayo.
- Uma umsebenzisi enesici sokuba umngane omusha, kufanele abhalise njengoba kukhonjisiwe ezigabeni ezedlule.
Landa amadokhumenti akhishwe yi-Capstula
Ezigabeni ezedlule sesivele sithinte lesi sihloko ngemininingwane eyengeziwe, kepha uma kudingekile ukulanda isitatimende se-akhawunti sanoma yisiphi isikweletu esinikezwe iCapstula, kuzodingeka ukuthi njengesinyathelo sokuqala ufake indawo ekhasini lewebhu. ngokusebenzisa umsebenzisi kanye nephasiwedi.
Ngemuva kwalesi sinyathelo, siqhubeka nokulanda ngefomethi ye-PDF ngokungcono noma leso esivumela umbono ocacile wolwazi oludingekayo.
Sicela umfundi abheke izigaba ezingenhla futhi aqinisekise izinyathelo ezilandelayo ezidingekayo kuleli phuzu nesike sazisho ngaphambili njengoba singafuni ukuphindaphinda endaweni efanayo.
Ukuphrinta kufanele kwenziwe kanjani?
Lapho kudingekile ukuphrinta idokhumenti enikezwe iCapstula, kuyadingeka ukuthi udlule ekhasini lewebhu lesizinda sokulanda futhi ngenxa yalokhu kufanele ufake igama lomsebenzisi nephasiwedi.
Uma isisebenzi seCapstula singena negama lomsebenzisi nephasiwedi ekhe yakhiqizwa ngaphambilini, isisebenzi kufanele silandele lezi zinyathelo ezilandelayo:
- Isitatimende se-akhawunti kufanele silandwe ngegama lomsebenzisi nephasiwedi futhi lokhu ngekhasi lewebhu le-Capstula noma ingosi futhi sizokwenziwa ngefomethi ye-PDF nanoma iyiphi ifomethi evumela ukubuka okucacile kolwazi.
- Uzodinga ukuba nephrinta noma isevisi yokuphrinta.
- Umsebenzisi angase abe nenye indlela yokucela isitatimende se-akhawunti ngokuqondile emahhovisi e-Capstula. Kodwa-ke, ngaphambi kokuya kuyo, kuzodingeka ukuthi uqinisekise amahora ebhizinisi kubahlanganyeli ngewebhu.
- Kuwebhusayithi yeCapstula, kungenzeka futhi ukucela isitatimende se-akhawunti, njengoba ku-inthanethi, ikakhulukazi ku-portal ye-Capstula, isevisi yolwazi yenzelwe umsebenzisi nganoma yiluphi uhlobo lwemfuneko engase idingeke.
Ngalo mqondo, lapho umsebenzisi engena ku-portal yokuxhumana, kuzodingeka afake igama ne-imeyili yomfakisicelo, isihloko kanye nesifinyezo esihlobene nesicelo asenzayo.
Enye idatha yentshisekelo
Njengocezu lolwazi olubalulekile, kufanele ngokufanayo sazise umfundi ukuthi izitatimende ze-akhawunti zidalwa mahhala yi-Universidad de los Andes I-CAPSTULA Workers' Savings and Social Welfare Fund ngokwayo kubo bonke ababambisene nayo futhi ikhiqizwa ngama-imeyili. ezengezile futhi ezitholakala ezinkundleni zokuxhumana.
Ngendlela efanayo, osebenza naye uzokwazi ukucela isitatimende se-akhawunti kunoma iyiphi indawo akuyo, kungaba kusukela ekunethezekeni kwekhaya lakhe, ihhovisi nanoma iyiphi enye indawo lapho ekhona. Njengoba umfundi ezokwazi ukubona, i-Capstula inikeza ngamathuluzi e-elekthronikhi afanelekile avumela ukubonisana okufanele kwezitatimende ze-akhawunti ezihlobene ne-Savings Bank yabalingani bayo.
Isiphetho
Sibone kuso sonke lesi sihloko izinketho ezihlukene zokubuyekeza isitatimende se-akhawunti ye-Capstula nakho konke okuhlobene nenqubo ukuze kube yingxenye ebalulekile yale nhlangano ebalulekile ehlanganisa abahlanganyeli abahlukene futhi abazuza kumasevisi ahlukahlukene ewanikezayo .
Njengoba sesivele safunda ekuthuthukisweni kwesihloko esiseduze, i-Universidad de los Andes I-CAPSTULA Worker's Savings and Social Welfare Fund yinhlangano ephethe ukunikeza abalingani bayo isevisi yokonga kanye nethuba lokubona ukunyakaza kwalezi zinsiza, ngaleyo ndlela. enikeza ukuphepha kubalingani bayo kanye nokuzethemba.
Kuyaphawuleka ukuthi abahlanganyeli banelungelo lokukwazi ukubuyekeza isitatimende se-akhawunti yabo bebodwa ngendlela enethezekile nelula futhi lokhu bakwenza ngengosi yekhasi le-Capstula, elinikeza amathuluzi ahlukahlukene awusizo ngezidingo nezimfuneko ezahlukene umngane noma umsebenzisi.
Ngendlela efanayo, sibona ukuthi yiziphi izidingo ezidingekayo zokubonisana nezinhlobo ezahlukahlukene zesitatimende se-akhawunti yeCapstula, futhi izinyathelo okufanele zilandelwe zilula kumuntu ohlangene naye uqobo, ngoba zingenziwa ngqo emahhovisi eCapstula noma ngabakwa-Capstula. ngewebhusayithi efanayo futhi kukhona uchungechunge lwamathuluzi adingekayo ngezinjongo ezishiwo lenziwa litholakale kubantu abanentshisekelo.
Enye inqubo elula ukuphrinta idokhumenti uma ifomu elifanele seligcwalisiwe, futhi lokhu kufanele kulungiselelwe ngokufanele ukuze kuqinisekiswe ngokulandelayo wuhlelo ngokwalo futhi kamuva ukwazi ukulanda kahle idokhumenti nokuliphrinta.
Okwesikhathi sokungena komsebenzisi ohlelweni okokuqala ngqa, kuyadingeka ukuthi adale igama lomsebenzisi nephasiwedi lapho ezoba nelungelo lokungena ekhasini lewebhu le-Capstula noma ingosi bese enze izinqubo ezidingekayo. .ngomsebenzisi uqobo.
Uma umsebenzisi ekhohlwa iphasiwedi, isistimu imnika ithuba lokuyibuyisela kahle. Lokhu okungenhla kuba inqubo elula njengoba yonke into yenziwa nge-inthanethi uqobo ngekhasi kusuka kuCapstula.
Kukhona nezinyathelo ezithile ezidingekayo ngenhloso yokuthola i-capsule ukuze ubheke isitatimende se-akhawunti yabahlanganyeli futhi phakathi kwazo ezinye zibaluliwe, njengokuba khona kwekhodi, iphasiwedi, umsebenzisi kanye nohlelo luzodinga ukuthi umsebenzisi uchungechunge lwedatha yomuntu siqu njengomazisi, amagama aphelele, ikheli lasekhaya ngisho negama lebhange kanye nenombolo yama-akhawunti asebhange osebenzisana naye noma umsebenzisi.
Ngokufanayo, kuzodingeka ukuthi kukhiqizwe i-imeyili lapho abasebenzi beCapstula bengakwazi ukuxhumana nomsebenzisi futhi bamnikeze ulwazi okungenzeka bayaludinga.
Siyethemba ukuthi isihloko esisikhiqizile sibe usizo kakhulu kumfundi futhi sisebenza njengenkomba yezinkomba ezindabeni ezibalulekile njengalena esike sayithinta. Enye inzuzo ejatshulelwa abasebenzisi noma amalungu eCapstula ithuba lokuthola amakhredithi nezinqubomgomo zezinkonzo zomngcwabo nezinye.
Ngenxa yalesi sizathu, izinsizakalo ezinikezwa i-Capstula kubalingani bayo zibhekwa njengenani elikhulu futhi zinenzuzo ezindaweni eziningi ezihlanganiswa yinhlangano.
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