Ama-Cooperative Okonga Nemalimboleko: Izinsika Zomnotho Wabantu
I-Pendahuluan
I-cooperative yinhlangano yezezimali ephethwe futhi eqhutshwa ngabantu ngabanye ukuze kuzuze umphakathi. E-Indonesia, ama-cooperative anezimpande ezijulile emlandweni wentuthuko yezomnotho womphakathi. Enye yezinhlobo ezivame kakhulu zama-cooperative, futhi edlala indima ebalulekile ekusekeleni umnotho wabantu, yi-savings and loan cooperative. Lesi sihloko sizoxoxa ngama-cooperative okonga nokuboleka imali, kusukela encazelweni yawo, ezimisweni, ezinzuzweni, nasezinseleleni.
Incazelo Yama-Savings and Loan Cooperatives
I-cooperative yokonga nokuboleka imali (i-KSP) uhlobo lwe-cooperative olusebenza emkhakheni wezinsizakalo zezezimali. Ama-KSP aqoqa imali kumalungu awo ngendlela yokonga bese esabalalisa kabusha le mali ngendlela yemali mboleko kumalungu aswele. Ngale ndlela, ama-cooperative okonga nokuboleka imali asebenza njengezikhungo zezimali ezincane ezihlose ukuthuthukisa inhlalakahle yezezimali yamalungu awo.
Izimiso Zokubambisana
Ama-cooperative, okuhlanganisa ama-cooperative okonga nemali mboleko, asebenza ngokusekelwe ezimisweni eziyisisekelo ezilawula ukubusa kwawo kanye nokusebenza kwawo. Ezinye zezimiso eziyinhloko ezamukelwa ama-cooperative yilezi:
1. Ubulungu Obuzithandela Nobuvulelekile: Ubulungu enhlanganweni yokubambisana bungokuzithandela futhi buvulelekile kunoma ubani okwazi ukusebenzisa izinsizakalo futhi amukele imithwalo yemfanelo yokuba yilungu.
2. Ukulawulwa Kwamalungu Edemokhrasi: Ama-cooperative alawulwa ngamalungu ngokwentando yeningi, lapho ilungu ngalinye linamalungelo okuvota alinganayo, kungakhathaliseki ukuthi imali egciniwe ingakanani.
3. Ukubamba iqhaza Kwezomnotho Kwamalungu: Amalungu adlala indima ebonakalayo emisebenzini yezomnotho ye-cooperative. Anikela enhloko-dolobha ye-cooperative futhi abelana ngenzuzo ngokusekelwe ekuthengiselaneni ne-cooperative.
4. Ukuzimela Nokuzimela: Ama-cooperative ayizinhlangano ezizimele ezilawulwa ngamalungu azo. Uma ama-cooperative ebambisana namaqembu angaphandle, njengohulumeni noma abanye abatshalizimali, lokhu kubambisana kwenziwa ngaphansi kwezimo ezigcina ukuzimela kwe-cooperative.
5. Imfundo, Ukuqeqeshwa kanye Nolwazi: Ama-Cooperative ahlinzeka ngemfundo nokuqeqeshwa kwamalungu awo ukuze athuthukise amakhono awo ekuphatheni ama-cooperative nasekuqhubeni amabhizinisi awo.
6. Ukubambisana phakathi kwamaCooperatives: AmaCooperatives ayabambisana emazingeni endawo, esifunda, kazwelonke kanye nawamazwe ngamazwe ukuqinisa ukunyakaza kwamaCooperatives.
7. Ukunakekelwa Komphakathi: Ama-Cooperative azibophezele ekuthuthukiseni intuthuko esimeme yemiphakathi yawo ngezinqubomgomo ezivunyiwe ngamalungu awo.
Izinzuzo Zokubambisana Kokonga Nemalimboleko
1. Ukufinyelela Kwezezimali Komphakathi
Abantu abaningi, ikakhulukazi labo abasezindaweni zasemakhaya noma labo abasebenza emkhakheni ongakahleleki, banenkinga yokuthola izinsizakalo zezimali emabhange avamile. Ama-cooperative okonga nemali mboleko anikeza ikhambi ngokuhlinzeka ngokufinyelela ekongeni nasezimalini mboleko ngemibandela elula nengabizi kakhulu.
2. Khuthaza Isiko Lokonga
Ama-cooperative okonga nokuboleka imali akhuthaza amalungu awo ukuthi onge njalo. Ngezidingo zokonga eziphoqelekile neziyinhloko, amalungu ajwayela ukubeka eceleni ingxenye yengeniso yawo, okubuye kuthuthukise ukuzinza kwezezimali kwesikhathi eside.
3. Imithombo Yemali Yebhizinisi
Amabhizinisi amaningi amancane naphakathi nendawo (ama-SME) abhekene nezinselele zemali mboleko ekuqhubeni noma ekwandiseni amabhizinisi awo. Ngama-cooperative okonga nemali mboleko, amalungu angafaka izicelo zemali mboleko yemali mboleko ngenzalo ephansi kunaleyo enikezwa ezinye izikhungo zezezimali.
4. Ukuqinisa Umuzwa Wobunye
Njengezinhlangano ezisekelwe kubulungu, ama-cooperative okonga nemali mboleko akhuthaza umuzwa wobumbano nokubambisana phakathi kwamalungu awo. Lokhu kubenza bakwazi ukusekelana ekufezeni ukuchuma okuhlanganyelwe.
5. Ukusatshalaliswa Kwemiphumela Yebhizinisi Esele (SHU)
Esinye sezici eziyingqayizivele zama-cooperative ukusatshalaliswa kwenzuzo yokusebenza (SHU) kumalungu awo. Le SHU isatshalaliswa ngokulinganayo ngokusekelwe ekuhlanganyeleni kwamalungu ku-cooperative, kungaba ngokonga noma ngemali mboleko.
Izinselele Zezinkampani Zokonga Nezimali Ezibolekiwe
1. Ukuqonda Nokuqwashisa Kwamalungu
Naphezu kwezinzuzo eziningi ezinikezwa yizinhlangano zokubambisana, abantu abaningi abakaqondi ngokugcwele ukubaluleka kwazo. Ukukhulisa ukuqwashisa kwamalungu nokuqonda indima yawo ngaphakathi kwezinhlangano zokubambisana kuyinselele enkulu okumele inqotshwe.
2. Ukuncintisana Nezinye Izikhungo Zezezimali
Ukuncintisana nezikhungo zezimali ezisemthethweni nezingekho emthethweni kuletha inselelo eyingqayizivele kuma-cooperative okonga nemali mboleko. Ngakho-ke, ama-cooperative kumele akwazi ukunikeza imikhiqizo nezinsizakalo ezincintisanayo futhi athuthukise ikhwalithi yenkonzo kumalungu awo.
3. Ukuphatha Nokuphatha
Ama-cooperative amaningi abhekene nezinselele zokuphatha kanye nokuphatha, okuhlanganisa nokuntuleka kwabasebenzi abanamakhono nabanolwazi. Ama-cooperative adinga ukutshala imali ekuqeqeshweni nasekuthuthukisweni kwamakhono ukuze athuthukise ukusebenza kwawo ngempumelelo.
4. Imithethonqubo Kahulumeni Nezinqubomgomo
Izinguquko emithethweni nasezinqubweni zikahulumeni zingathinta ukusebenza ngokubambisana. Ama-cooperative okonga nemali mboleko kumele akwazi ukuzivumelanisa nezinqubomgomo nemithetho emisha ngenkathi esavikela izintshisekelo zamalungu awo.
Isiphetho
Ama-cooperative okonga nokuboleka imali adlala indima ebalulekile emnothweni wabantu ngokuhlinzeka ngokufinyelela kwezezimali okulula nokungabizi emphakathini. Naphezu kokubhekana nezinselelo ezahlukahlukene, ama-cooperative ahlala eyinsika yomnotho, eqhuba ukukhula komnotho kanye nokulingana, ikakhulukazi emiphakathini yendawo kanye namabhizinisi amancane naphakathi. Ngokuphathwa okufanele kanye nokusekelwa okuvela emaqenjini ahlukahlukene, ama-cooperative okonga nokuboleka imali angaqhubeka nokukhula futhi anikele ekuchumeni okwabelana ngakho.
