E-Colombia, mayelana namakhredithi anikezwa abafundi ngenhloso yokubasiza ezifundweni zabo, kuyiphuzu elibalulekile futhi yingakho kunesikhungo esinjenge-Icetex esiphethe futhi esiphethe amakhredithi ashiwo. Esihlokweni esizothuthukiswa sizobona yonke into ehlobene nesimo se-akhawunti ye-Icetex nezinye izinzuzo ezinikezayo.
isitatimende se-akhawunti ye-icetex
Ngaphambi kokuthuthukisa ingqikithi eyinhloko ye-athikili ngokubhekisela kusitatimende se-akhawunti ye-Icetex, sifuna umfundi azi ukuthi i-Icetex iyini. Futhi ngokufanayo singasho ukuthi i-Colombian Institute of Educational Credit and Technical Studies Kwamanye amazwe, eyaziwa ngesifushaniso sayo esithi ICETEX, iyinhlangano yaseColombia esebenzela ukukhuthazwa kwentuthuko kazwelonke ngokuqeqeshwa kochwepheshe emazweni wonke.
I-Icetex inikeza futhi ihlinzeka ngezinhlobo ezahlukene zosizo kanye namakhredithi kubafundi ukuze bakwazi ukuqeqesha njengochwepheshe bangempela. Kumelwe bathobele ukukhanselwa kwezinkokhelo ngesikhathi nangendlela efanele, futhi kunconywa ukuba umuntu athole futhi akhulume nesitatimende se-akhawunti efanele ukuze agcine ukuhleleka nokubuyekeza izinkokhelo.
Ngokunjalo, i-Colombian Institute of Educational Credit and Technical Studies Abroad (ICETEX), ibonakala ngokuba yisikhungo semfundo yasenyuvesi futhi ilungiselela abafundi kanye nezingcweti zangomuso ezweni lakubo, e-Colombia.
Ngaphezu kwalokho, isikhungo sinikezela ngezinsizakalo ezahlukahlukene kumakhasimende njengokuvula ama-akhawunti okuhlola nokubonisana nawo. Ngaphakathi kwala ma-akhawunti, ukuba khona kwesitatimende se-akhawunti ye-Icetex kuyagqama, akuyona into engaphezu kwedokhumenti ye-elekthronikhi noma ebonakalayo ebonisa ibhalansi ebuyekeziwe yemali umuntu anayo ku-akhawunti yakhe.
Isisekelo
I-Icetex yasungulwa e-Bogotá, e-Colombia ngo-1950. Njengamanje inenani elibalulekile lama-ejensi noma amagatsha kuyo yonke indawo kazwelonke.
Lesi sikhungo senyuvesi sigxile ekuqeqeshweni kwabafundi ezingeni lochwepheshe kanye nokubanikeza ukuqeqeshwa noma ukubanikeza ukuqeqeshwa ukuze babe yingxenye yemakethe yezemisebenzi futhi ngaleyo ndlela babe isibonelo ekunikeleni kwezwe ngokwalo futhi bathuthukise izinga lempilo. zabafundi izihlobo zabo.
Umbono
Ngokuqondene nombono we-Icetex, singawuchaza njengokunembayo nokucacile. Kuhlongozwa ukuthi ngonyaka wezi-2025 sibe isikhungo esihamba phambili eColombia futhi sibe ngumdlali obalulekile ekuthuthukisweni kwesibalo sabantu baseColombia, futhi saziwe ngemfundo yaso enhle, abasebenzi abangochwepheshe kanye nokuqanjwa kwaso kwezobuchwepheshe.
I-Icetex Mission
Umsebenzi we-Icetex uwumsebenzi wansuku zonke ngokuzibophezela okukhulu kwansuku zonke ezweni ngokwalo, ngenhloso enkulu yokufinyelela amaphupho ayo yonke imindeni yaseColombia, ukuhlinzeka ngenkonzo yemfundo ephakeme kakhulu enomsebenzi wothisha ophethe okufanayo.
Mayelana naleli phuzu, singasho futhi ukuthi ezinye zezinjongo eziyingxenye ebalulekile futhi eziyingxenye ye-Colombian Institute of Educational Credit and Technical Studies Abroad, futhi yilezi ezilandelayo:
- Igalelo ekuhlinzekeni nasekudingeni imfundo ezweni.
- Hola futhi ukwazi ukufaka isandla ekuxhumaniseni umphakathi.
- Ukudala umuzwa omkhulu wamakhasimende.
- Iqhaza ekuhwebeni kwemfundo yasenyuvesi eColombia.
- Thuthukisa ukuphathwa kwebhizinisi.
- Nikeza isiqinisekiso sekhwalithi nokusebenza kahle kwensizakalo yamakhasimende.
- Qamba iphothifoliyo nohlu lwemikhiqizo.
- Nikeza ukuphepha mayelana nethalente lomuntu lesikhungo.
- Amathuba okufinyelela athuthukisiwe.
Izici ze-Icetex
Lokhu kuba enye inkinga ebalulekile mayelana ne-Icetex, njengoba inemisebenzi ethile ezuzisa inani lamakhasimende enayo, futhi phakathi kwayo sinalo:
- Ukukhuthazwa nokukhuthazwa kokuxhaswa ngezimali kwemfundo ezingeni lenyuvesi ngamakhredithi nosizo lwezezimali lukazwelonke nolwamazwe ngamazwe.
- Ukuphathwa kokubambisana kwamazwe ngamazwe, ukuze uthole izinketho zokuqeqesha ezingcono kakhulu.
- Ukusetshenziswa kwezinqubomgomo zikahulumeni zokuthuthukisa imfundo yasenyuvesi.
- Thola ukunikezwa komfundaze wemvelaphi yangaphandle.
- Ukuphathwa kwezimali nohlelo lwezikweletu.
- Ukukhuthazwa nokukhuthaza ukushintshana kwabafundi phakathi kwamazwe ahlukene.
- Nikeza iseluleko kwezinye izikhungo zemfundo zasenyuvesi.
Ungabhalisa kanjani ku-Icetex?
Ngokuphathelene nenqubo yokubhalisa ye-Icetex, kungenye inqubo eyenziwa kalula futhi kalula. Ngezinjongo ezinjalo, kuzodingeka ugcwalise ifomu ukuze wenze ukubhaliswa okufanele futhi ujabulele izinkonzo ezinikezwa ngokucwiliswa kuwebhusayithi ye-Icetex.
Izinyathelo zokubhaliswa ku-Icetex
Njengoba sesishilo, ukuze ujabulele izinzuzo ezinikezwa yi-Icetex entity, kuzodingeka ukuthi ubhalise ngokufanele futhi lokhu kuzokwenziwa ngokulandela izinyathelo esizisho ngezansi, ukuze umfundi ahlale ingqondo, okungukuthi:
- Njengesinyathelo sokuqala kuyodingeka ukungena ifomu ekuwebhusayithi ye-Icetex, ukuyifaka, kuzokwenziwa ngesixhumanisi esifanele.
- Okulandelayo, futhi uma usungaphakathi efomini elifanele, faka igama nesibongo somuntu onentshisekelo.
- Ngokulandelayo, izinombolo zekhadi likamazisi kuzodingeka zifakwe njengoba kucacisiwe ekhasini ngokwalo.
- Ngokufanayo, kuyodingeka ukuthi unikeze idatha yokuxhumana, okungukuthi, inombolo yocingo esebenzayo izofakwa, kanye nekheli le-imeyili elisetshenziswayo noma elibuyekeziwe.
- Uma idatha eshiwo isifakiwe, iphasiwedi efanele izokwakhiwa futhi inketho ethi "qinisekisa" izochofozwa.
- Ngemva kwalokhu okungenhla, kokubili imigomo nemibandela esungulwe iwebhusayithi ngokwayo kuyodingeka yamukelwe.
- Uma lesi sinyathelo senziwe, isistimu ngokwayo izokhipha ikhodi yokuqinisekisa, engabukwa ngekhasi ngokwalo noma kudivayisi yeselula, uma uhlelo luyicela; le khodi kuyodingeka ibhalwe futhi iqinisekiswe esinyathelweni esifanayo.
- Njengesinyathelo sokugcina senqubo, inkinobho ethi "Londoloza Ukubhaliswa" izocindezelwa.
Njengoba kushiwo ezigabeni ezedlule, uma ohlomula esebhalisiwe ngokusemthethweni, uzokwazi ukufinyelela inqwaba yezinketho ezizuzisayo ezinikezwa yikhasi lesitatimende se-akhawunti ye-Icetex ngokwalo, futhi ngalezi zinketho ezihlukahlukene zingenziwa noma yikuphi. isevisi itholakala.
Isitatimende se-akhawunti ye-Icetex - ukubonisana
Inqubo yesitatimende se-akhawunti ye-Icetex iwumsebenzi olula futhi olula ngempela inqobo nje uma izinyathelo ezicelwe wuhlelo lwesikhungo uqobo ziyalandelwa. Ukuze umfundi abe nokucaca okwengeziwe ngesihloko, sizobhala futhi sichaze isinyathelo ngasinye sokubheka isitatimende se-akhawunti, futhi yilezi:
- Isinyathelo sokuqala
Njengoba igama layo libonisa, njengesinyathelo sokuqala kuzodingeka ukuthi ufake ikhasi le-Icetex noma iwebhusayithi.Ukuqala, into yokuqala okufanele uyenze ukufinyelela iwebhusayithi ye-Icetex esemthethweni, sizokwenza lokhu ngesixhumanisi esifanele.
Uma sesingene ohlelweni lwe-Icetex, kufanele uye kunketho ebizwa ngokuthi "Phatha amakhredithi akho nezinkokhelo". Le nketho itholakala ezansi kwekhasi elifanayo.
- Isinyathelo sesibili
Ngemuva kokuthi isinyathelo sokuqala senziwe ngempumelelo, inketho ebizwa ngokuthi "Isitatimende Se-akhawunti" izokhethwa, le nketho itholakala engxenyeni engezansi yezinkokhelo ezishiwo kanye nama-invoyisi.
Ngokunjalo, inketho efanayo izokwethula imodeli yefomu okufanele ligcwaliswe ngokuya ngalokho okucelwe ezinkundleni noma emabhokisini uhlelo lwe-inthanethi lwe-Icetex uqobo.
- Isinyathelo sesithathu
Maqondana nezinto ezicelwe uhlelo, sizinquma ngale ndlela elandelayo: i-imeyili, kuzodingeka ubonise ikheli le-imeyili eliyiqiniso nelisasetshenziswa njengamanje. Kuzodingeka futhi ufake iphasiwedi efanele kanye nekhodi yokuphepha ehambisanayo.
- Isinyathelo sesine
Esinyathelweni sesine, cishe uqeda inqubo, kuzodingeka uchofoze ihlelo elithi "qhubeka" efasiteleni lokuqinisekisa, emva kwalokhu uzokwazi ukubuka isitatimende se-akhawunti futhi uhlole ngokushesha ukunyakaza kwebhalansi.
- Isinyathelo sesihlanu
Lapho ufinyelela lesi sinyathelo, isitatimende se-akhawunti ye-Icetex sizotholakala, futhi kuso iklayenti noma ozuzayo uzokwazi ukubuka umbiko ngokuningiliziwe. Ngendlela efanayo, iklayenti lizokwazi ukuqala ukuhlola amabhalansi, izinkokhelo ezenziwe, ukukhishwa kwemali, amakhredithi, izinzuzo, phakathi kwezinsizakalo eziningi ezengeziwe.
Kubaluleke kakhulu ukuthi umnikazi we-akhawunti ngokwakhe athintane nesitatimende se-akhawunti ye-Icetex njalo, ukuze abe nokuvikeleka okugcwele kwakho konke ukunyakaza nokuthi kusenqubweni efanele, futhi ngale ndlela uzokwazi ukuthi izinkokhelo ziphezulu. kuze kube manje futhi uyakwazi ukugcina ukuhleleka kwezimali zomuntu.
Ngaleli thuluzi, iklayenti linikezwa ithuba lokuvikeleka, ukwethenjwa, kanye nokubeka izinto obala ngezindlela ezilula zokufaka isitatimende se-akhawunti futhi elinikeza iklayenti inqubo ewusizo nefinyelelekayo.
Izinketho zesitatimende se-akhawunti ye-Icetex
Esitatimendeni se-akhawunti se-Icetex, izigaba ezahlukene zizoqashelwa ukuthi iklayenti ngokwalo linethuba lokubonisana ngokuningiliziwe. Ngezansi sizokhombisa ezinye zezigaba esikhuluma ngazo, okuyilezi:
- Ibhalansi yesibopho
- Isigaba esishiwo sibonisa ibhalansi noma inani elihambisanayo nokuthi iklayenti ngokwalo linesibopho sokukhansela.
- Ukukhokhelwa
- Lapha kubhekiselwa esilinganisweni sazo zonke izinkokhelo ezenziwa yikhasimende.
- Ama-Pagos
- Njengoba igama layo licacisa, yisigaba lapho iklayenti ngokwalo linganikeza imininingwane ngezinkokhelo ezenziwe, njengosuku, inani kanye nolunye ulwazi olubhekwa njengolubaluleke kangako.
- Izinzuzo
- Ngokuphathelene nale ngxenye, yisigaba esiphethe ukukhishwa kolwazi olubhekisela ezinzuzweni iklayenti elinazo nalezo elizizuzile ngokutholwa kwemifundaze noma amakhredithi.
- Izitifiketi
- Lesi sigaba sinikeza iklayenti ithuba lokukhetha ukuthi lidawunilode kahle izitifiketi ezahlukene ezifana nalezi: isimo sosuku, ibhalansi unyaka ngamunye, izitifiketi zokukhokha, isilinganiso senzuzo.
Ukuphrintwa kwedokhumenti yesitatimende se-akhawunti ye-Icetex
Uma ufuna ukukhetha inketho yokuphrinta idokhumenti, le nqubo ingenziwa ngenketho "yokuthumela" isitatimende se-akhawunti ku-imeyili yomuntu siqu yomzuzi. Uma uhlelo selusebenzise isifinyezo, iklayenti lizokwazi ukusilanda futhi lisiphrinte ngokulandelayo.
Kuhle ukuveza ukuthi ithuluzi noma inketho eshiwo ingasetshenziswa uma kudingeka ukwenza isimangalo phambi kwesikhungo se-Icetex.
Amafomu namarisidi okukhokha kwa-Icetex
Ukwenza izinkokhelo ezihambisanayo esikhungweni se-Icetex kungase kube lula kakhulu inqobo nje uma kukhethwa uhlobo olufanele kakhulu noma olunokwenzeka lokukhansela. I-Icetex inikeza amathuba ahlukene eklayenti ukuze akwazi ukukhokha ngaphandle kokuba nenkinga. Phakathi kwalezi zindlela zokukhansela nge izinkokhelo ze-icetex Singabala ezinye zazo okungukuthi:
- ivoti
Ngalolu khetho, iklayenti ngokwalo liyoba nethuba lokukhokha izikweletu elinazo esikhungweni se-Icetex, ngokusebenzisa elinye lamaphoyinti e-Baloto ayizinkulungwane eziyishumi nambili asezweni, ngaphandle kokukhokha noma yiziphi izindleko ezengeziwe. Ukuze wenze inkokhelo, iklayenti kufanele libe nomazisi noma izinombolo zereferensi yekhredithi.
- I-PSE- Inkokhelo Ye-inthanethi
Uma kudingeka ukuthi wenze izinkokhelo ngendlela elula nelula, ungathatha inketho yokuyenza nge-elekthronikhi nge-PSE. Ukuze wenze le nqubo, kuzofakwa iwebhusayithi ye-Icetex noma ikhasi, bese iklayenti lizofaka isevisi ye-PSE futhi lenze umsebenzi wokukhansela ngendlela ephephile nephumelelayo.
- Ama-ATM
Ngalezi zindlela, ukwesulwa kwenkokhelo kuzokwenziwa ngendlela elula nelula. Ngale njongo, iklayenti kufanele libe nedatha elandelayo: ATH- Grupo Aval, Banco Corpbanca- Colpatria, davivienda-servibanca.
- Amabhizinisi asebhange
Iklayenti lingaya kunoma yiziphi izinhlangano zezezimali ezisebenzayo futhi lenze ukukhansela inkokhelo efanele futhi ehambelana ne-Icetex.
- imigqa yomsindo
Ngesikhungo sezingcingo sase-Davivienda, i-HSBC ingenza inkokhelo ye-Icetex ngaphandle kokuphazamiseka. Ngendlela efanayo ngenkonzo ifoni ye-icetex, ungaba nolwazi oludingekayo mayelana nanoma yikuphi ukungabaza mayelana nezinkokhelo okudingeka zenziwe ngumzuzi.
- Ukubhenka nge-elekthroniki
Ngale sevisi ungenza izinkokhelo ezifanele enkampanini ye-Icetex, le ndlela inethezekile futhi kulula ngoba ingenziwa ku-inthanethi ngokunethezeka kwekhaya noma ihhovisi leklayenti, phakathi kwamanye alawa makhasi ewebhu ana:
- Multicolor Network-Dataphones
Maqondana namaphoyinti okukhokha kanye namaDathafoni e-RBM noma ebizwa ngokuthi inethiwekhi ye-multicolor, izinkokhelo ezihambisanayo nazo zingenziwa. Le nqubo izokwenziwa ngenombolo ye-invoyisi yesithenjwa sokukhokha, njengoba idatha yolwazi, i-hyphen (-) ngeke imakwe, iklayenti lizokwazi ukukhansela isikweletu ngokufaka ikhodi yomsebenzisi.
- Izinkokhelo ezivela phesheya
Ngendlela efanayo, iklayenti ngokwalo linamandla okunquma ukwenza inkokhelo efanele ngokudluliswa okuvela phesheya.
Isiphetho
Sibonile kuso sonke lesi sihloko ukuthi sithuthukisa ukubaluleka kwe-Colombian Institute of Educational Credit and Technical Studies Abroad, eyaziwa nangokuthi (ICETEX), njengoba inesibopho sokunikeza usizo kubafundi imifundaze ye-icetex kanye nolunye usizo lwezikweletu, phakathi kokunye; konke ngenhloso yokufaka isandla ohlelweni lokufunda phesheya. Lokhu kubaluleka kakhulu kubafundi baseColombia futhi ngokujwayelekile kuzo zonke izakhamizi.
Ngokubhalisa, inqubo esiyichazayo kuyo yonke i-athikili ekubhekiselwe kuyo, kungenzeka ukuthi abahlomuli bajabulele izinketho eziningi ezihlinzekwa yisistimu ngokwayo kuwebhusayithi, okuhlanganisa inketho yesitatimende se-akhawunti ye-Icetex, okuyindlela yokukwazi njalo ube nebhalansi ku-akhawunti ekhiqizwa ebudlelwaneni phakathi komzuzi wesevisi ne-Icetex.
Ngokufanayo, bekungenzeka ukubona izinyathelo zokwenza kokubili ukubhaliswa ku-Icetex, futhi uma sekubhaliswe ngokufanelekile, izinyathelo zibuye zichazwe ukuze ohlomulayo wezinsizakalo akwazi ukucela njalo ukubonisana kwesitatimende se-akhawunti futhi ngale ndlela. ukugcina ukulawula komuntu ukunyakaza kwakho. Ngisho nombhalo oshiwo ungaphrintwa, inqubo esibuye siyichaze ezigabeni ezihambisanayo.
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