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ZAMKATIMU Mutu 1: Chiyambi……..………………………………………………………….1

Magulu Amakono Osunga Ndikubwereketsa Ndalama ...................... 5

Kodi Magulu Osunga Ndikubwereketsa Ndalama Amatani? .................... 6

Kukhala Membala Wa Gulu Losunga Ndikubwereketsa Ndalama ............ 8

Malamulo Otapila Ndalama Ku Akaunti Ya Gulu ...................................... 8

Mutu 2: Ubwino Osunga Ndalama .................................................... 9

Kufunika Komasunga Ndalama M’moyo Wathu Watsiku Ndi Tsiku? .......10

Zofuna Kutsatidwa Kuti Ndalama Za Gulu Zitetezedwe .......................... 11

Ndondomeko Yolowetsera Mamembala Atsopano Mugulu ....................12

Mutu 3: Utsogoleri Wa Gulu ........................................................... 13

Kodi Udindo Oyendetsa Gulu Ndi Wandani? ........................................... 13

Udindo Wa Atsogoleri Agulu ................................................................... 13

Mlongosoli Wa Gulu- Facilitator .............................................................. 13

Ntchito Za Mlembi .................................................................................14

Ntchito Za Msungichuma .......................................................................14

Ntchito Ya Anthu Wotolera Ndalama ..................................................... 15

Mutu 4: Misonkhano Ya Gulu Losunga Ndikubwereketsa Ndalama .. 16

Mutu 5: Kutenga Ngongole ............................................................ 20

Zofunikira Kuti Munthu Atenge Ngongole ..............................................21

Kuchuluka Kwa Ndalama Ya Ngongole ...................................................21

Zoyenera Kuchitidwa Ndalama Ya Ngongole Isanaperekedwe ...............23

Kodi Tidzatani Ndi Anthu Osabweza Ngongole? .................................... 25

Kalembera Wa Msonkhano ..................................................................... 27

Mutu 6: Pinkbook .......................................................................... 28

Kagwiritsidwe Ntchito Ka Pinkbook ....................................................... 28

Kuonkhanitsa Ndalama Kwapamwezi .................................................... 29

Fomu Yotengera Ngongole .................................................................... 30

Mutu 7: Thumba Lazochitika Zapadera ........................................... 34

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Chiyambi

Mchitidwe wosunga ndi kubwereketsa ndalama mmagulu ndiwakalepo ndithu. Cholinga chimodzi chachikulu chopangila magulu osunga ndi Kubwereketsa ndalama chakhala kufuna kusonkhanitsa ndalama zomwe anthu ochepekedwa amapeza kuti idziwathandiza kupanga zinthu zikuluzikulu zomwe iwo amazifuna koma sangathe kuzipanga mwakamodzi chifukwa choti kapezedwe kawo ndikochepa. Kusunga kwandalama kwapagulu kumathandiza mamembala a mmagulumo kuti azikhala ndimaubale wolimba. Kupatula pankhani yandalama anthu am’maguluwa amathandizananso pazinthu zina monga munthawi yamaliro kapena ma ukwati.

Anthu wopeza mochepa nawo angathe kusunga ndalama

Ngakhale mchitidwe wosunga ndi kubwereketsa ndalama ukukhazikika, pali zovuta zina ndi zina zomwe magulu akukumana nazo monga;

Kusakazidwa kwa ndalama zapagulu Kusowa kwa ndondomeko ndi kalembera

wabwino wosonyeza kulowa ndi kutulutsidwa kwa ndalama pa gulu.

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Ndondomeko ndi malamulo okhwima pakabweredwe ka ndalama za pagulu

Kusowa kwa chikondi pakati pa mamembala apagulu

kupanga kalembera wa ndalama ndikofunika kwambiri

Kuonjezeranso apo, anthu ena osunga ndalama pagulu akhala akukanika kukwaniritsa kufikira zofuna za moyo wawo. Nthawi zambiri, anthuwa akhala akusonkha ndalama yochepa komanso modumphadumpha. Kafukufuku anaonetsanso kuti anthu ambiri sakhala ndi zolinga zokhazikika posonkha ndalama, kotere phindu lenileni la magulu osunga ndi kubwereketsa ndalama silikuoneka kwenikweni.

Malinga ndi momwe zinthu zakhala zikuyendera munthawi yapitayi, anthu sanaone kufunika kapena phindu lenileni la magulu osunga ndi kubwerekena ndalama. Anthu ambiri anali ndi chiyembekezo chakuti maguluwa adzawathandiza kupeza zinthu zikuluzikulu zofunika pa umoyo wawo ngati kumanga kapena kugula nyumba. Izi zitaoneka kuti

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nzosatheka anthu anataya chidwi ndi maguluwa ndipo anasiya kutengako mbali.

MAGULU AMAKONO OSUNGA

NDIKUBWEREKETSA NDALAMA

Kuyambira mchaka cha 2010, magulu osonkha ndi kubwereketsa ndalama a federation anakhazikitsa mchitidwe osonkha ndalama otchedwa ‘Kusonkha ndi Cholinga.’ Mchitidwe wa kusonkha ndi cholinga umalimbikitsa ma membala a pagulu kusonkha ndalama iliyonse imene akuyipeza tsiku ndi tsiku ndi cholinga chokwaniritsa khumbo kapena masomphenya awo.Pa mchitidwewu, mamembala a gulu amalemba cholinga chawo mu buku lawo la makhodo1.cholingachi chikalembedwa mu buku gulu limathandizira membala kukwaniritsa cholingachi pomulimbikitsa masonkhedwe ake abwino andalama, komanso powonetsetsa kuti pamene gulu likugawana ndalama membala afikire cholingachi. Kudzera mchitidwewu mamembala akwaniritsa kufikira zokhumba pa moyo wawo.

Cholinga cha bukuli ndi kuthandizira magulu afederation ndi magulu ena amene ali ndi chidwi chokhazikitsa magulu osunga ndalama ndi cholinga.

1 Makhodo akutanthauza ndalama ina iliyonse yomwe munthu akuponya ku gulu.Dzinali linasankhidwa Kamba koti ‘khodo’ ndi ndalama ya ing’ono, koma membala akamasonkhantsa makhodo , amachuluka ndi kukhala ndalama yambiri

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KODI MAGULU OSUNGA NDIKUBWEREKETSA NDALAMA AMATANI?

Tikati Gulu losunga ndikubwereketsa ndalama tikutanthauza gulu la anthu omwe abwera pamodzi ndicholinga chomasonkhanitsa ndalama. Anthuwa amakhala kuti atsekula thumba lomwe cholinga chake ndikulimbikitsana kusungako ndalama zomwe angamabwerekane molingana ndi malamulo omwe gulu linakhazikitsa. Gululi limalikimbikitsa anthu omwe ndimamembala kusungitsa ndalama iliyonse malingana ndi kapezedwe ka munthu.

Mwachitsanzo, mwa anthu 200 aliwonse mmudzi, anthu osachepera 60 akhoza kupanga gulu limodzi losunga ndikubwereketsa ndalama. Anthu amene apanga gulu sakuyenera kupitilira 60. Izi zimathandizira kuti gulu likhale losavuta kuyendetsa. Zinthu izi ziyenera kutsatidwa kuti magulu apite patsogolo komanso apindulire mamembala:

Gulu lirilonse liyenera kukhala ndi anthu atatu wotolera ngongole zomwe anthu amatenga.

Mwa anthu atatuwa, aliyense aziyang’anira anthu okwanira 20 pagululo.

Anthu omwe akutolera ndalama zagulu ayenera kumatolera ndalama m’makomo mwa anthu ndipo azipanga kalembera wandalama zomwe zatengedwa kwa munthu, komanso alembe tsiku lomwe iye watolera ndalamayi. Ndalamayi izalemba mu “PinkbooK’’ yomwe gulu linapatsidwa. Magulu ena anayika ndondomeko yoponya

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ndalama yosunga muthumba patsiku lokumana kamba ka kutanganidwa kwa mamembala ena omwe sapezeka pakhomo kawirikawiri. Iyinso ndi njira ina yabwino.

Ndalama zitengedwe, tsiku lamsonkhano, kunyumba kwa munthu osati panjira kapena kumowa.

Ndalama zomwe zatoleredwa patsiku ziyenera zikasiyidwe kuthumba losungira makobidi.

Anthu omwe apatsidwa udindo otolera ndalama sakuloledwa kusunga ndalama zambiri mwawokha. Magulu ena amawonetsetsa kuti ndalama yonse yotoleredwa, yabwerekedwa. Izi zimathandiza kuchepetsa chipsinjo chosunga ndalama zambiri ndi msungi chuma wa gulu.

Anthu alimbikisitsidwe kusunga ndalama ndi gulu momwe iwo angathere.

Kwamagulu omwe amasunga ndalama, ndalama zomwe zatoleledwa koma sizinapite kukasungidwa ku banki ziyenera zionetsedwe kusonkhano omwe anthu amapanga pamasiku amene iwo anagwirizana.

Ndalama zomwe anthu apereka sizikuloledwa kusungidwa ku akaunti ya munthu. Ngati gulu limasunga ndalama, ndalama zonse ziyenera kukasungidwa ku akaunti yomwe gulu linatsegula.

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KUKHALA MEMBALA WA GULU LOSUNGA NDIKUBWEREKETSA NDALAMA

Munthu aliyense yemwe ali mudera lomwe muli gulu losunga ndikubwereketsa ndalama ali ndi ufulu kulowa mugululi ndikukhala membala. Munthu azaloledwa kukhala membala mudera lomwe iye amakhala. Ndipo palibe malire a zaka za munthu wololedwa kukhala membala wa gulu.

MALAMULO OTAPILA NDALAMA KU AKAUNTI YA GULU

Kwamagulu omwe amasunga ndalama zawo ku banki, anthu osayinira akawunti adzasankhidwa ndi anthu a mugulu. Gulu lizikhala ndi anthu atatu osayinira ku akaunti. Msungichuma pagulu lirilonse adzasankhidwa kukhala m’modzi mwa osayinira ku akaunti. Chiwongola dzanja chilichonse chochokera kundalama zomwe anthu abwereka chidzakhala chothandizira kukhazikitsa ntchito za guliri kuti lipitilire kupita patsogolo pokwaniritsa cholinga chakeogolo la gululi. Guli lilonse lizakhazikitsa ndondomeko yoyendetsera ndalama ya chiwongola dzanja.

Munthu aliyense adzatenga mbali posonkha ndalama zotsegulira akaunti ndipo izi zidzachotseredwa kundalama yomwe membala aliyense wapereka kugulu. Munthu akatapira ndalama ayenera kulimbikitsidwa kuti ayambenso kusungitsa ndalama mwachangu.

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Ngati munthu akufuna kutuluka gulu, ali ololedwa kutapa ndalama zake zonse koma adzalamulidwa kusiyako ndalama ina yomwe gulu lidzagwirizane. Iyi idzakhala yolipirira ndalama yomwe a banki amadula mwezi uliwonse ngati chiwongo choyendetsera akaunti yagulu. Koma izi zidzachita kumagulu okhawo omwe amasunga ndalama zawo ku banki.

Anthu amene akutolera ndalama sakuloledwa kugwiritsa ntchito ndalama zagulu. Ndalama zonse zomwe zatoleledwa ziyenera kuyendetsedwa mogwirizana ndimalamulo omwe gulu linapanga.

MUTU 2: UBWINO OSUNGA NDALAMA

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KUFUNIKA KOMASUNGA NDALAMA M’MOYO WATHU WATSIKU NDI TSIKU? Anthu omwe ndiwovutika sakhala ndikopezera ndalama kodalilika. Izi zili chonchi pachifukwa choti anthu ovutika sakhala ndi ntchito kapena bizinesi zodalirika zomwe zingawapatse ndalama zokwanira pa umoyo wawo. Ndalama zomwe iwo amapeza amazigwiritsa ntchito pa umoyo wayo watsiku ndi tsiku. Izi zikutanthauza kuti kwa anthu ovutika, kusunga ndalama yoti agwiritse munthawi ya zadzidzi kumakhala kovuta komanso mwina kosatheka kumene.

Anthu amasunga ndalama pokonzekera ulimi kapena kumanga nyumba

Ngakhale izi zili chonchi anthu ovutikawa akhoza kumasungabe ndalama pa tsiku ndi tsiku. Ndalama zimenezi zikhoza kumawathandiza pa nthawi imene iwo ali ndi mavuto kapena zinthu zina zofunikira kwambiri.

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Ndalama zomwe tasunga tikhoza kulipirira ana sukulu

ZOFUNA KUTSATIDWA KUTI NDALAMA ZA GULU ZITETEZEDWE

1. Ndalama zomwe zatoleredwa kwa mamembala ziyenera zizibweretsedwa ku misonkhano ya gulu. Ndipo izi zizichitika mwachizolowezi osati kudikira kuwuzidwa kapena kukakamizidwa.

2. Kwa magulu amene amasunga ndalama ku banki, ngati ku akaunti kwatapidwa ndalama ziyenera kulembedwa.

3. Zonse zimene zachitika ndi ndalama zomwe anthu asokha ziyenera kumalengezedwa pa msonkhano wapasabata. Mwachitsanzo membala aliyense ayenera adziwe ndalama zomwe iye anapereka, zomwe anatapira komanso zomwe zatsala mu buku lake.

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NDONDOMEKO YOLOWETSERA MAMEMBALA ATSOPANO MUGULU

Mu gulu losunga ndikubwereketsa ndalama aliyense akhoza kulowetsa membala watsopano. Membala watsopano ayenera kubweretsedwa kwa Mlembi wa gulu kuti amuike nkaundula wagululi. Mlembi azamulembetsa membalayu kwa munthu m’modzi mwa womwe adasankhidwa kukhala wotolera ndalama. Gulu lirilonse lili kukakamizidwa kukhala ndi buku la kaundula wa anthu omwe ali pagulu komanso ndalama zomwe iwo asungitsa ndizomwe atapa kugulu. Buku limeneri lidzatchedwa “PinkbooK”.

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MUTU 3: UTSOGOLERI WA GULU

KODI UDINDO OYENDETSA GULU NDI WANDANI?

Membala aliyense pagulu ali ndi udindo waukulu kuonetsetsa kuti gulu likuyenda malingana ndi zofuna za mamembala onse. Mamembala ndiye eni ake andalama zagulu ndipo ali ndi ufulu kudziwa momwe gulu likuyendera. Ngati anthu amene anapatsidwa maudindo mugulu sakuyendetsa zinthu bwino, mamembala ali ndi ufulu kuwachotsa ndikusankhapo ena.

Mamembala agulu adzayenera kusankha, Mlembi, Msungichuma, Komanso Mlongosoli wa gulu. Anthu atatu amenewa ndiamene adzatsogolera ntchito za tsiku ndi tsiku.

UDINDO WA ATSOGOLERI AGULU

Mlongosoli wa Gulu- facilitator

Mlongosoli wagulu ndi amene adzatsogolera misonkhano yonse.

Kuwerenga m’ndandanda wazinthu zomwe zayalidwa kuti anthu akambirane.

Kuonetsetsa kuti msonkhano uliwonse ukuyenda mwadongosolo.

Kuthetsa mavuto omwe abuka munthawi yazokambira.

Kupereka uthenga kwa anthu omwe akuyang’anira gulu.

Kuonetsetsa kuti zonse zimene akulemba Mlembi wa gulu ndizolondola.

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Kufufuza upangiri pa zinthu zimene gulu likufuna kumvetsetsa koma pawokha sakuzidziwa.

Ntchito za Mlembi

Mlembi wagulu ayenera akhale odziwa kulemba ndi kuwerenga.

Mlembi adzalowesta nkaundura mamembala atsopano.

Adzapeleka mamembala atsopano kwa munthu m’modzi mwa anthu omwe adasankhidwa kuti ndiwotolera ndalama.

Kupanga kalembera yense yemwe anthu wotolera ndalama achita.

Kupanga kalondolondo wa ndalama zomwe wotelera aliyense watenga kwa mamembala ndikuonetsetsa kuti zili bwino bwino.

Kulemba malipoti kwa anthu oyang’anira magulu osunga ndikubwereketsa ndalama.

Kuchonga anthu amene apanga nawo misonkhano yapasabata.

Kuyankha mafunso omwe mamembala angafunse monga okhudzana ndi ndalama zomwe wotolera walembera.

Ntchito za Msungichuma

Azawerenga ndalama zomwe iye walandira pamanso pa gulu lonse.

CHOFUNIKIRA: Ngati Mlembi wagulu akugwira

ntchito zake mwadongosolo sakuyenera

kusinthidwa pafupipafupi

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Ngati gulu limasunga ndalama kubanki, Msungichumayi azazukuta ma lisisiti wobankira ndalama (dipoziti silipi) pamaso pa mamembala.

Azakhala osayinira ku akaunti yagululi. Azasunga tsatanetsatane wa kalembera wa

ndalama ndipo izi zizifana ndi zomwe Mlembi wa gulu walembera.

Gulu ili limasunga ndalama ku banki

Ntchito ya Anthu wotolera Ndalama

Kupeza mamembala atsopano kuti alowe nawo gulu

Kutolera ndalama kwa anthu Kupanga kalembera wandalama zonse

zomwe zatoleredwa Kubweretsa pagulu kalembera wandalama

zotoleredwa.

Atsogoleri agulu azayenera kupanga ubale ndi magulu ena omwe amasunga ndikubwerekana ndalama. Cholinga chamaubale amenewa ndikufuna

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kumphunzira momwe magulu ena amayendetsera zinthu zawo. Zinthu zimene iwo aphunizra azawafokozera mamembala agulu lawo. Izi zizathandizira kupitsa patsogolo ntchito zamaguluwa ndipo zizathandinso magulu kukhala ndi maubale ndi anthu ambiri.

MUTU 4: MISONKHANO YA GULU LOSUNGA NDIKUBWEREKETSA NDALAMA

Gulu lirilonse losunga ndikubwereketsa ndalama liyenera kumapanga msonkhano wapasabata. Anthu atatu onse omwe apatsidwa udindo wotolera

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ndalama azayenera kupereka kaundula wawo wamatoleredwe a ndalama kugulu kuti anthu azukute. Monga takamba kale msonkhano wapasabata udzatsogoleredwa ndi Mlongosoli, Msungichuma komanso Mlembi. Anthu atatu amenewa azayima kapena kukhala kutsogolo kwagulu ndikumafotokoza. Anthu pagululi azayenera kukhala monga pachinthuzi chili pansichi. Makhalidwe awa cholinga chake ndichoti membala aliyense aziwona zonse zimene atsogoleri akuonetsa.

Gulu likukambira momwe zinthu zikuyendera

M’ndandanda wazinthu zokambirana pa msonkhano wasabata

Pemphero lotsegulira msonkhano Malonje Kuchonga mayina amamembala omwe afika

pamsonkhano. Kuwerengetsa ndalama zomwe zatoleredwa

kwa mamembala a gulu. Kutolera ndi kulambera wa ndalama kwa magulu omwe

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sasonkha tsiku ndi tsiku kudzachtika nthawi iyi.)

Kulandira uthenga/lipoti kwa anthu atatu otolera ndalama.

1. Lipoti kuchoka kwa wotolera woyamba 2. Lipoti kuchoka kwa wotolera wachiri 3. Lipoti kuchoka kwa wotolera wachitatu 4. Kubweza ngongole zomwe anthu anatenga. 5. Kukambirana zina ndi zina zofunikira 6. Pemphero lotsekera

Mamembala ali

pamsonkhano wa pamwezi

Mamembala a gulu adzakhala ndi nsonkhano wa pamwezi ndicholinga chofuna kukambira zinthu zofunikra. Pachifukwa ichi msonkhano wapamwezi utha kakhala wotalika chifukwa utha kukhala ndizokambirana zambiri. Kupatula msonkhano wa pamwezi, magulu a Federation amayenera kutenga nawo mbali pa misonkhano ya pamwezi yomwe imachitika mu Boma lirilonse (District meeting).

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EWA ATHU OWE ABWEREA PAMSONKHANO WASABATA

Mu misonkhano yonse Mlembi wa gulu adzayitana

ndikuchonga anthu motsata ndondomeko iyi.

Zolemba mu Buku

Tanthauzo

P Present abwera A Absent Sanabwere

LA Late anabwera mochedwa

AP Apology apereka chifukwa chosabwerera

S Sick adwala

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MUTU 5: KUTENGA NGONGOLE

Nthumwi zikupeza upangira woyendetsera gulu

1. Kodi nchifukwa chiyani gulu likuyenera kumapereka ngongole kwa mamembala ake?

Cholinga choperekera ngongole ndichakuti anthu azithandizidwa kupanga zinthu zomwe pawokha pogwiritsa ntchito ndalama yawo yokha sangakwanitse. Ngongole imathandizanso munthu pa nthawi yazovuta ndi yaza dzidzidzi.

2.1. Kodi ndalama zangongolezi zidzichokera kuti?

Ndalama zomwe zikuperekedwa kwa mamembala ngati ngongole ndizimene mamembala eni ake akusonkha pa gulu lawo. Ndipo chiwongola dzanja chilichonse chidzagawidwa kapena kugwiritsidwa ntchito malingana ndi mgwirizano omwe gulu linapanga. .

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2. Nanga ndindani ali wololedwa kukongola ndalama?

Membala aliyense ali ndi ufulu kutenga ngongole.

ZOFUNIKIRA KUTI MUNTHU ATENGE NGONGOLE

Wokongola ndalama ayenera kudziwa bwino lomwe kufunika kosunga ndalama.

Wokongola ndalama akhale membala amene amasunga ndalama ndi gulu komanso amabwera pamisonkhano yapasabata.

Wokongola ndalama ayenera kumadziwanso m’mene gulu limayendera.

Wokongola ndalama sayenera kukhala ndi ngongole zina zosabwezedwa.

Munthu asatenge ngongole yokangomwera kachasu basi. Ngongole izigwiritsidwa ntchito moyenera.

Wokongola ndalama adzalemba zofunikira zina ndi zina pa fomu yobwerekera ndalama.

KUCHULUKA KWA NDALAMA YA NGONGOLE

Ngongole idzatengedwa molingana ndi momwe gulu linagwirizana. Koma pazafunika kuonetsetsa kuti munthu atenge ndalama yokhayo imene iye angakwanitse kubweza. Mwachidule kuchuluka kwa ngongole kudzatengera ndalama yomwe munthu wasungitsa ku gulu.

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Mwachitsanzo

Ndalama ya munthu yaku Buku

Ngongole yomwe aloleredwa kutenga

MK1,000 MK 5,000

MK2,000 MK6,000

MK3,000 MK 7,000 MK4,000 MK8,000

MK5,000, MK10,000 Ngati membala abweza ngongole yonse munthawi yake monga mwa m’gwirizano, akamadzatenga ngongole yachiwiri akhoza kumupatsa mwayi wotenga ndalama yochulukirapo. Mwachitsanzo ngati membala amabwera pa misonkhano yonse yapasabata, amasunga ndalama ndi gulu, wabweza ngongole munthawi, komanso kubuku kwake kuli MK2, 000, membala ameneyu akhoza kupatsidwa ndalama yodutsa MK6, 000. Koma ngati membala sakupita kumisonkhano yapasabata, sasunga ndalama ndi gulu, komanso ndiwovuta kubweza ngongole, gulu lili ndi mphamvu osampatsanso ngongole ina munthuyo, kapena kutsitsa ndalama zomwe iye angaloledwe kubwereka. Cholinga chake ndikufuna kuteteza ndalama za gulu.

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ZOYENERA KUCHITIDWA NDALAMA YA NGONGOLE ISANAPEREKEDWE

Ngongole isanaperekedwe kwa munthu pakuyenera kuwunikira bwino zakapezedwe ka kamunthu yemwe akutengayo. Cholinga chache ndicho kupereka ngongole yomwe munthu angakwanitse kubweza. Izi zizapangitsanso kuti ngongoleyi isakhale chipsinjo kwa munthu wokongolayo. Kuphatikizapo Msungichuma, Mlembi, ndi Mlongosoli wa gulu, mamembala adzayenera kusankha anthu ena awiri omwe azakhala mukomiti yotolera ndalama za ngongole. Komiti izabweretsa fomu yobwerekera ndalama kumsonkhano wa pasabata ndipo anthu adzazukuta kenako ndikupanga chiganizo chopereka ndalama kapena ayi. Munthu amene mamembala akomiti yangongole akuzukuta fomu yake yobwerekera ndalama adzayenera kutuluka panja ndi cholinga choti komiti ikambirane zamunthuyu momasuka. Ngongole ikamaperekedwa komiti idzayenera kudziwa kuti mabweredwe amunthu kumisonkhano yapasabata ndi chinthu chimodzi chachikulu chomwe chidzapangitse munthu kupatsidwa ngongole kapena ayi. Ma fomu wotengera ngongole adzayenera kuperekedwa ku komiti tsiku la lomsonkhano wapasabata lisanafike. Izi zidzapangitsa kuti komiti yopereka ngongole izukute fomu mwachifatse ndikupereka ndalama pa tsiku lamsonkhano

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wapasabata. Komiti yopereka ngongole ikavomereza zopereka ngongle, Msungichuma adzatenga ndalama kuchokera kundalama zomwe anthu asonkha ndikumpatsa kwawokongolayu pamaso pamamembala. Munthu akalandira ndalama adzalandiranso lisiti ngati umboni woti walandira ndalama. Ngati ngongole yomwe memambala akuyifuna iyenera kutengedwa mwachangu ndipo singadikire msonkhano wapasabata, komiti iyenera kuitanitsa msonkhano wapadera wakomiti yopereka ngongole kuti ikambirane ngati ndikotheka kepereka ngongole kapena ayi. Komiti iyenera kulengeza ngongole zonse zimene zaperekedwa nkati mwasabata pamsonkhano wa mamembala onse.

Ngongole zina titha kuyambira ma bizinesi

Mamembala a gulu akhoza kupanganso magulu ena apadera a bizinesi. Mwachitsanzo mamembala khumi amugulu akhoza kutenga ngongole ndikuyambitsa bizinesi imodzi ndicholinga chogawana phindu labizinesiyi. Bizinesi yagulu imathandiza mamembala kupanga mabizinesi akulu amene munthu payekha sangakwantise. Iyi ndinjira

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inanso imene anthu ena angaphunzire kapangidwe kabizinesi.

KODI TIDZATANI NDI ANTHU OSABWEZA NGONGOLE?

Ngongole iyenera kubwezedwa panthawi yomwe komiti yagwirizana ndi obwereka. Ngongole itha kubwezedwa mu mwezi umodzi (1), iwiri (2), itatu (3) or isanu ndi umodzi (6) motengera ndimalamulo a gulu, kapezedwe kamunthu, komanso m’mene iye mwini wasankhira. Anthu akulimbikitsidwa kumabweza ngongole tsiku ndi tsiku, komano ngongoleyo ikhoza kubwezedwa kumapeto kwa mwezi uliwonse kapena mogwirizana ndi malamulo omwe gulu lapanga. Munthu adzauzidwa ndalama zomwe adzibweza ndi nthawi yoyambira kubweza ngongole panthawi imene wapatsidwa ngongole.

Ngati munthu sanabweze ngongole yonse monga mwamgwirizano, iyeyu adzatengedwa ngati walephera kubweza. Mwachitsanzo ngati munthu amayenera kupereka M3,000 pakutha pa mwezi, koma wangokwanitsa kubweza MK2,700 ndiye kuti ali ndi ngongole ya MK300. Munthu wotolera ngongole ayenera kupanga kalondolondo wamunthuyo. Ngati ndalamayi sikuperekedwa, atsogoleri ayenera kumupeza munthuyo mwapadera kukaitanitsa ndalama.

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Munthu ayenera kuyenderedwa mpakana atabweza ndalama yotsara. Ndipo munthuyu ayenera kumapitabe kumisonkhano yapasabata.

GANIZO LOLETSA KUPEREKA NGONGOLE

Ngongole idzasiyi kuperekedwa ngati mwa anthu 10 wotenga ngongole mmodzi (1) akulephera kubweza komanso ngati mamembala obwera pamsonkhano wapasabata sakukwana 8 pamamembala 10 aliwonse omwe ali mu gulu. Wankulu woyang’anira gulu la m’mudzi la m’dera akhozanso kupereka lamulo loletsa kupereka ngongole malingana ndi upangiri komanso ukadaulo wake.

Wankulu woyang’anira gulu losunga ndikubwereketsa ndalama

Komiti yopereka ngongole nayo ikhoza kuwuza atsogoleri agulu la m’mudzi zachiganizo choletsa kubwereketsa ndalama

Mwachitsanzo ngati gulu lapereka ngongole zokwana MK3,000 ndipo anthu abweza ndalama yokwana MK2,600, izi zikutanthauza kuti 87%

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yandalama ndi zomwe zatoleredwa. Ndalamayi ikuchepera 90% ndipo pachifukwa ichi komiti ikhoza kupanga ganizo loletsa kubwereketsa ndalama. Kuti ngongole zipitilire anthu ayenera kumabweza ndalama zosachepera 90%.

NDONDOMEKO YAKAPANGIDWE KA MSONKHANO WAPASABATA

Pemphero lotsegulira

Malonje

Kulandira mamembala atsopano

Kuchonga maina a anthu omwe abwera pamsonkhano

Kumva malipoti a anthu otolera ndalama

Kubweza ngongole

Lipoti mwachidule landalama zotoleredwa.

kutenga ngongole

Kulengeza ngongole zomwe zatengedwa

Zolengeza

Pemphero lotsekera

Kalembera wa Msonkhano

Kalembera wa anthu obwera pamsonkhano adzayenera kulembedwa motere.

Zolemba mu Buku

Chingerezi Tanthauzo

P Present abwera

A Abesnt Sanabwere

LA Late anabwera mochedwa

AP Apology apereka chifukwa chomwe sanabwerere

S Sick adwala

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MUTU 6: PINKBOOK

KAGWIRITSIDWE NTCHITO KA PINKBOOK

Pinkbook ndi Buku lomwe lizagwiritsidwa ntchito ndi magulu wonse wosunga ndi kubwerekena ndalama. Mwachidule, Pinkbook ndi buku lolembera kawundula yense wa masonkhedwe amunthu, pa tsiku ndi pasabata. Kaundula wa mamembala azalembedwa m’bukuli.. Bukuli lizasonyeza dzina lamembara, tsiku limene munthu anayamba nawo gulu, Ndalama zomwe wakhala akupereka ndizomwe zomwe wakongola pa tsiku, pasabata komanso pa mwezi. Bukuli lizawonetsanso tsiku limene munthu adasiya kukhala membara wa gulu.

Munthu wotolera ndalama ayenera kulemba zomwe watolera muPinkbook tsiku ndi tsiku. Fomu lamunthu wotolera lili ndimagawo angapo. Pali gawo lolemba ndalama zomwe zatoleredwa patsiku, komanso zimene zatoleredwa pasabata. Ndipo munthu wotolera ndalama ayenera kuonetsetsa kuti ndalama zomwe watolera pasabata wawonkhetsa bwino lomwe ndipo zikukwana asanayambe kutolera sabata lina. Kumapeto kwasabataku ayenera kuonetsetsanso kuti ndalama zomwe aliyense wapereka pasabatayo waziwonkhetsa ndipo zisonyeze kuchukula kwa ndalama zomwe munthu wasunga ndi gulu.

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Pinkbook ndi chida chofunikira kwambiri kwa munthu otolera ndalama. Ndalama zonse zomwe wotolera watenga zizayenera kulembedwa mubuku pamaso pamwini wake yemwe wapereka ndalamayo ndipo opereka ndalama komanso wotolera ndalamazi azayenera kusayinira ngati kuperekera umboni kuti zomwe zalembedwa ndizoona.

Membala aliyense adzakhalanso ndi bukhu lolemba ndalama zomwe iye wapereka (Buku la makhodo). Ndipo wotolera ndalama ndiwopereka ndalama adzayenera kumabweretsa kalemberayu kumsonkhano wapasabata uliwonse. Izi zizathandizira kuonetsetsa kuti pali m’gwirizano pakati anthu otolera ndalama ndi mamembala.

Fomu yowonetsa ndalama zomwe munthu watolera patsiku, iyenera kubweretsedwa ku msonkhano wapasabata ndipo Msungichuma wa gulu, kuphatikizapo Mlembi ndi Mlongosoli azaona ngati zinthuzi ndizolondora. Zikavomerezedwa kuti zinthuzi ndizolondora atsogoleriwa adzasayinira. Kuonkhanitsa ndalama kwapamwezi

Kumapeto kwa mwezi uliwonse mlembi wagulu adzaphatikiza kalembera wandalama zonse wapasabata ndikupanga kalembera wapamwezi. Kalembera wa pamweziyu adzaperekedwanso ngati lipoti ku misonkhano ya pamwezi ya magulu a mu Boma. Ngati gulu losunga ndalama lili ndi mamembala okwana 60, ndipo a banki adula MK3,000 ndiye kuti

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aliyense azadulidwa ndalama yokwana MK50. Ndiye kuti ngati Membala anali ndi ndalama zokwana MK4,550, mwezi usanathe ndiye ndalama zake pakachotsedwa MK50 kwacha yabanki. Choncho ndalama zake zoyambira buku mwezi winawo zizakhala MK4,500.

Fomu yotengera ngongole

Fomu iyi ndi yamunthu yemwe wafuna kutenga ngongole. Chilichonse chomwe chalembedwa pa fomuyi chiyenera kuyankhidwa bwino lomwe ngati munthu afuna kutenga ngongole. Ngongole idzaperekedwa kwa munthu ngati mamembala agulu ali okondwera ndi momwe munthu amasungira ndalama ndi gulu komanso momwe iye amabwelera pa misonkhano yapasabata.

Zitsanzo zakalembe ka mu Pinkbook

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MUTU 7: THUMBA LAZOCHITIKA ZAPADERA

Cholinga chokhazikitsa ma gulu osunga ndalama a federation sichakuti anthu azithandizika pandalama zokha. Cholinga china ndikulimbikitsa maubale pakati pa anthu.

Magulu osunga ndi kubwereketsa ndalama amabweretsa pamodzi anthu osiyansiyana amene akuchokera mmabanja osiyanasiyana amenenso zofuna ndi zochitika zawo ndi zosiyasiyana. Gulu likuyenera kukhazikitsa ndondomeko zina zomwe zidzathandizira kufikira madera ena omwe ndalama yosonkha kuthumba singafikire. Magulu atha kukhazikitsa thumba lapadera lomwe membala aliyense atha kumapereka ndalama yomwe gulu lonse lagwirizana.

Mwachitsanzo aliyense pagulu atha kumapereka 100 pamwezi imene idzisungidwa mu thumba lapadera . Magulu ena amatchula thumbali kuti ndi lachitukuko, ena amati la Chisoni ndiponso ena amati ladzidzidzi. Munthawi imene membela wagulu wawonekeredwa zovuta, kapena wadwala kapenanso ali ndi ukwti kapena chinkhoswe ndi zochitika zina, gulu litha kugwiritsa ntchito ndalama za thumba lapaderali. Gulu lirilonse lidzakhazikitsa ndondomeko zawo zomwe mamembala onse adzagwirizana zoyendetsera thumba lapaderali.

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