Izikhangiso
Ulayini okhethekile wesikweletu uhlinzekwa yi-Caixa Econômica Federal kosomabhizinisi abangabantu ngabanye kanye nama-Microempreendedores Individuais (MEIs). Izinsiza zezimali zihlinzekwa nge-Crédito Caixa, enikezwa ngohlelo lokusebenza lwe-Caixa Tem, ngenhloso yokuqala noma yokuthuthukisa amabhizinisi alaba somabhizinisi. Ukuthuthukiswa komnotho wendawo kanye nokukhula kwamabhizinisi kuhloswe yilesi sinyathelo.
Nge-Crédito Caixa, osomabhizinisi banikezwa ukuguquguquka kokusebenzisa inani lemalimboleko ngezinhloso ezihlukahlukene, njengokutshala imali esakhiweni sebhizinisi, ukukhokhela abahlinzeki, amaholo abasebenzi kanye nezindleko eziyisisekelo ezifana namanzi, ugesi nerenti. Ngaphezu kwalokho, ukuthengwa kwempahla yokuhlinzeka amabhizinisi kungenzeka. Lokhu kuguquguquka kuvumela ukuthi izinsiza zisetshenziswe ngokwezidingo ezithile zamabhizinisi.
Ukufinyeleleka kalula kungenye yezinzuzo eziyinhloko ze-Crédito Caixa. Inqubo yokufaka isicelo ilula futhi ingenziwa ngokushesha nangokuvikelekile ngohlelo lokusebenza lwe-Caixa Tem, olutholakala mahhala kuma-smartphone. Osomabhizinisi bangakwazi ukwenza ukulingisa imalimboleko, bakhethe inani abalifunayo futhi bahlole izimo zokukhokha, ngaphandle kokubhekana nezinqubo eziningi ezingadingekile.
I-Crédito Caixa inikeza amanani enzalo ancintisanayo kanye nezikhathi zokukhokha ezihambisana nezidingo zosomabhizinisi. Lokhu kuvumela ukuphathwa kwezimali okusebenza kahle futhi okusimeme kakhudlwana kwamabhizinisi. Lesi sinyathelo sibonisa ukuzibophezela kwe-Caixa ekwesekeni nasekukhuthazeni isigaba sosomabhizinisi, iqaphela ukubaluleka kwaso ekudaleni amathuba emisebenzi nasekuqiniseni umnotho waseBrazil.
Ngakho-ke, ithuba elibalulekile linikezwa yi-Crédito Caixa ngohlelo lokusebenza lwe-Caixa Tem kuboSomabhizinisi Abangabantu Ngabanye kanye nama-MEI ukuze baqhubekisele phambili amabhizinisi abo. Ukufinyeleleka kalula, ukuguquguquka kokusetshenziswa kwezimali kanye nemigomo yezimali evuna umsebenzisi yizici zalolu hlelo lwesikweletu oluhlose ukusiza osomabhizinisi ukuthi bazuze impumelelo emisebenzini yabo yezohwebo.
Imigomo yoSomabhizinisi Ongumuntu Ngayedwa
Inani elilinganiselwa ku-R$ 1 mil lihlinzekwa yi-Caixa Tem kosomabhizinisi Abangabantu Ngabanye. Isikhathi sokukhokha siyizinyanga ezingu-18 kuya kwezingama-24, ngenani lenzalo elingu-3,99% ngenyanga.
Endabeni yosomabhizinisi Abangabantu Ngabanye, imali ebolekiwe ingatholwa ngohlelo lokusebenza lwe-Caixa Tem. Kufanele kulandelwe lezi zinyathelo ezingezansi:
- Isinyathelo 1: Kufanele ilandwe inguqulo yakamuva yohlelo lokusebenza lwe-Caixa Tem.
- Isinyathelo 2: Uhlelo lokusebenza kufanele luvulwe futhi kubuyekezwe ukubhaliswa.
- Isinyathelo 3: Imininingwane yomuntu siqu, njengekheli, imali engenayo, umsebenzi kanye nempahla, kufanele igcwaliswe (ubufakazi abudingeki).
- Isinyathelo 4: Kufanele kuthathwe isithombe sikamazisi (RG noma CNH).
- Isinyathelo 5: Kufanele kuthathwe isithombe ozishuthe sona.
Ngemva kokubuyekezwa, i-Poupança Social Digital izoguqulwa ibe i-Poupança Caixa Tem. Ngokushintshwa kwe-akhawunti, ukuhlaziywa kwesikweletu kungenziwa, kulandelwe inqubo elandelayo:
- Isinyathelo 1: Ukuhlaziywa kwesikweletu kufanele kwenziwe zingakapheli izinsuku eziyi-10 ngemva kokubuyekezwa kokubhaliswa.
- Isinyathelo 2: Uma isikweletu sigunyaziwe, imali ebolekiwe ingacelwa kunketho ethi “Empréstimo – Crédito CAIXA Tem”.
- Isinyathelo 3: Ngemva kokuthola isikweletu, imali izofakwa ngokuqondile ku-Poupança Caixa Tem.
Ngale ndlela, osomabhizinisi bathola ithuba lokuthola izinsiza zezimali zokuthuthukisa amabhizinisi abo ngendlela elula nefinyeleleka, njengoba zizobonakala ngohlelo lokusebenza lwe-Caixa Tem.
Imibandela Yosomabhizinisi Abancane Ngamunye (MEI)
Imibandela zama-microentrepreneur ngabanye (MEIs) ziyefana. Abanentshisekelo bangathatha izikweletu ezifika ku-R$ 3 ayizinkulungwane, ngesikhathi sokukhokha esiyizinyanga eziyi-18 kuya kweziyi-24 ngemva kokuthola isikweletu. Inzalo ingu-3,60% ngenyanga, futhi isikweletu singathathwa kuphela ngamagatsha e-Caixa Econômica Federal. Ukuze ucele lolu hlobo lwesikweletu, landela izinyathelo ezingezansi:
Isinyathelo 1: Xhumana ne-Caixa nge-WhatsApp CAIXA 0800 104 0 104, uthumele i-hashtag #microcreditoPJ ukuze uqale usizo, noma uye egatsheni lakho.
Isinyathelo 2: Vuselela imininingwane yakho ngokwethula le mibhalo elandelayo:
- CCMEI (Isitifiketi Sesimo Se-Microentrepreneur Ngayedwa);
- DASN SIMEI (Isimemezelo Sonyaka Se-Simples Nacional Se-Microentrepreneur Ngayedwa) sonyaka wezimali wokugcina ovaliwe, kanye Nerisidi Yokulethwa;
- Imibhalo yomuntu siqu (RG, CPF kanye nobufakazi bendawo yokuhlala).
Isinyathelo 3: Ngemva kokugunyazwa kwesikweletu, uzokwazi ukuthatha isikweletu egatsheni lakho.
Isinyathelo 4: Ngemva kokuthatha isikweletu, imali izofakwa ngokuqondile ku-Akhawunti yakho Yenkampani.
Isinyathelo 5: Inkokhelo yezitolimende izodonswa ku-Akhawunti yakho Yebhizinisi Elisemthethweni.
Ngale ndlela, osomabhizinisi abancane ngabanye bathola ithuba lokuthola imalimboleko yezezimali ukuze batshale futhi baqinise amabhizinisi abo. Ngokulandela le nqubo, uzokwazi ukuthola inani eliceliwe ku-Akhawunti yakho Yebhizinisi Elisemthethweni, njengoba uzokhokha izitolimende ngendlela elula.
Kungani imalimboleko ye-Caixa Tem iyindlela enhle kubantu ngabanye nakosomabhizinisi abancane?
Ukufaka isicelo semalimboleko kwenziwe kwaba lula futhi kungenziwa ngohlelo lokusebenza lwe-Caixa Tem, kubantu ngabanye, noma emagatsheni e-Caixa, kosomabhizinisi abancane.
Imalimboleko ye-Caixa Tem inikeza amanani enzalo akhangayo, okusho ukuthi isikweletu esidingekayo singatholwa ngezindleko zezimali eziphansi. Lawa manani abekwa ngendlela yokwenza imalimboleko ifinyeleleke futhi ibe wusizo kubaboleki.
Inani yemalimboleko ingasetshenziselwa izinhloso ezihlukahlukene, kusukela ekutshalweni kwezimali ebhizinisini kuya ekukhokheni izindleko zomuntu siqu. Lokhu kuvumelana nezimo kukuvumela ukuthi uqondise izinsiza ngokwezidingo zakho ezithile, kungakhathaliseki ukuthi ukukhulisa ibhizinisi lakho noma ukubhekana nezimo zezimali ezingalindelekile.
Isikhathi sokukhokha imalimboleko sisungulwa ngendlela evumela ukuphathwa kwezimali ngokuthula okwengeziwe. Ngezikhathi ezisukela ezinyangeni eziyi-18 kuya kweziyi-24, uzoba nesikhathi esanele sokwenza izinkokhelo ngokwamandla akho ezezimali, ugweme imithwalo eyeqile futhi wenze ukuhlela izimali zakho kube lula.
Imalimboleko ihloselwe abantu ngabanye kanye nosomabhizinisi abancane, okubonisa ukuzibophezela kweCaixa ekwesekeni usomabhizinisi nasekuthuthukisweni kwamabhizinisi. Lolu hlobo lwesikweletu luhlose ukuhlinzeka ngezinsiza zezimali ukuze ukwazi ukuqala noma uthuthukise ibhizinisi lakho, kube negalelo ekukhuleni nasekuqiniseni komsebenzi wakho wezohwebo.
Ngakho-ke, singaphetha ngokuthi imali ebolekiwe ye-Caixa Tem iyindlela enhle kubantu ngabanye nakosomabhizinisi abancane ngenxa yokutholakala kalula, izilinganiso zenzalo ezincintisanayo, ukuguquguquka kokusetshenziswa kwezimali, izikhathi zokukhokha ezifanele kanye nokweseka ezamabhizinisi.
Hlola izidingo zakho kanye namandla akho ezezimali ngaphambi kokuthatha imali ebolekiwe, ngoba kubalulekile ukuqinisekisa ukuthi kuyisinqumo esifanele nesinenzuzo esimweni sakho esithile.
