Chitukuko SACCO

Kufufuza bwino za mabungwe ama ngongole n’kofunika kwambiri musanapange chisankho chobwereketsa ndalama. M’nkhaniyi, tikambirana mwatsatanetsatane za Chitukuko Savings & Credit Cooperative Society (SACCO) Ltd., bungwe lina lalikulu komanso lodziwika bwino losunga ndi kubwereketsa ndalama ku Malawi. Tikuyenera kuwonetsetsa ngati chitukuko SACCO ndi njira yoyenera kwa inu potengera zosowa zanu.

Mbiri ndi Maupangiri a Chitukuko SACCO

Chitukuko SACCO ndi bungwe loyambitsidwa mu chaka cha 1986 ku Lilongwe, Malawi. Ndi bungwe la mamembala, zomwe zikutanthauza kuti anthu amene amapanga nawo bungweli ndi omwe ali eni ake komanso amalamulira. Cholinga chachikulu cha Chitukuko SACCO n’kuthandiza anthu ogwira ntchito kuti azisunga ndalama ndiponso azitha kubwereketsa ngongole zotsika mtengo pogwiritsa ntchito masheya awo.

Momwe Limagwirira Ntchito ndi Cholinga Chake

Bungweli limagwira ntchito mothandizidwa ndi Co-operative Societies Act ya Unduna wa Zamalonda ndi Makampani ku Malawi. Ndi membala wathunthu wa Malawi Union of Savings and Credit Cooperatives (MUSCCO), zomwe zikusonyeza kuti limatsatira malamulo ndi malangizo onse okhudza mabungwe a SACCO m’dziko muno. Mamembala aliyense amayenera kugula masheya osachepera MK 5,000 pamwezi. Ndalamazi zimachotsedwa m’malipiro awo kapena kudzera ku banki, zomwe zimathandiza kumanga msana wawo wa ndalama ndiponso chitsimikizo cha ngongole.

Chitukuko SACCO limayang’ana kwambiri anthu ogwira ntchito mu mabungwe aboma, aziphunziro, azachipatala, komanso mabungwe ena apadera amene akufunafuna ngongole zotsika mtengo komanso zotetezeka. Kukhala membala kumatanthauza kukhala ndi ufulu wovota pa zisankho za bungwe ndiponso kulandira gawo la phindu (dividends) pa masheya omwe munagula.

Mitundu ya Ngongole ndi Chiwongoladzanja Chake

Chitukuko SACCO imapereka mitundu ingapo ya ngongole zosiyanasiyana, iliyonse ili ndi cholinga chake, chiwongoladzanja chake, ndalama zochuluka zobwereketsa, ndi nthawi yobweza.

• Ngongole ya Msanga (Advance Loan):
  • Chiwongoladzanja: 5.0% pamwezi.
  • Ndalama zochuluka: 100% ya masheya anu, koma osapitirira MK 200,000.
  • Nthawi yobweza: Mpaka miyezi 2.
  • Malipiro oyendetsera: Palibe.
  • Chitsimikizo: Masheya anu.

  Ngongoleyi ndi yabwino kwa zosowa zadzidzidzi zazing’ono zomwe zimafuna ndalama msanga.

• Ngongole ya Zadzidzidzi (Emergency Loan):
  • Chiwongoladzanja: 4.0% pamwezi.
  • Ndalama zochuluka: 100% ya masheya anu, koma osapitirira MK 300,000.
  • Nthawi yobweza: Mpaka miyezi 4.
  • Malipiro oyendetsera: 4.8% ya ndalama zonse za ngongole.
  • Chitsimikizo: Masheya anu.

  Ndi yoyenera pa mavuto adzidzidzi amene amafuna ndalama zambiri pang’ono kuposa Advance Loan, monga zosowa zachipatala kapena za maphunziro.

• Ngongole Yogulira Katundu (Material Loan):
  • Chiwongoladzanja: 3.5% mpaka 6.0% pamwezi (zimadalira mtundu wa katundu).
  • Ndalama zochuluka: 200% ya masheya anu (palibe malire apamwamba omwe afotokozedwa).
  • Nthawi yobweza: Mpaka miyezi 24.
  • Malipiro oyendetsera: 4.8% ya ndalama zonse za ngongole.
  • Chitsimikizo: Masheya anu; komanso ma invoice a katundu kuchokera kwa ogulitsa.

  Ngongoleyi imathandiza mamembala kugula zinthu zazikulu monga zida za bizinesi, zinthu zapakhomo, kapena zipangizo zina. Kusiyana kwa chiwongoladzanja kumachitika chifukwa cha mtundu wa katundu komanso nthawi yobweza.

• Ngongole ya Usova:
  • Tsatanetsatane wa ngongoleyi siinadzululidwe poyera.

Ndalama zonse zobweza ngongole zimachotsedwa basi m’malipiro a membala (salary check-off) kapena kudzera mu banki (direct debit). Izi zimathandiza kuonetsetsa kuti ngongole zibwezedwa panthawi yake ndiponso kuchepetsa mavuto a kusabweza.

Momwe Mungafunsire Ngongole ndi Zofunika

Kufunsira ngongole ku Chitukuko SACCO ndi njira yosavuta, koma imafuna kutsatira malamulo enaake:

Njira Zofunsira

• Mutha kufunsira ku ofesi ya Chitukuko SACCO ku Lilongwe.
• Kapenanso, kudzera mwa nthumwi zawo zomwe zimagwira ntchito m’malo osiyanasiyana ogwirira ntchito amene ali ndi mgwirizano ndi SACCO.
• Pali chiwerengero cha ngongole ndi mafomu pa webusaiti yawo, koma palibe pulogalamu yapafoni yovomerezeka yomwe ilipo mpaka pano.

Zofunika Pakufunsira

• Kudzaza fomu yofunsira ngongole.
• Kupereka payslip yanu yaposachedwa.
• Kukhala membala wa Chitukuko SACCO, zomwe zimafuna kugula masheya osachepera MK 5,000 pamwezi.
• Kuloleza bungwe kuti lizichotsa ndalama zobweza ngongole m’malipiro anu kapena kudzera mu banki.

Kuunika Ngongole ndi Kutulutsa Ndalama

Chitukuko SACCO imayesa ngongole potengera kuchuluka kwa masheya omwe muli nawo komanso mbiri yanu yosunga ndalama. Izi zikutanthauza kuti, mukakhala ndi masheya ambiri, ndipamenenso mungathe kubwereketsa ndalama zochuluka. Ngongole zogulira katundu zimafunikanso kuunika koyenera kuti adziwe ngati katunduyo ndi wofunikadi komanso ngati wogulitsa katunduyo ndi wodalirika.

Ndalama zikavomerezedwa, zimatulutsidwa m’njira zitatu:

• Kudzera mu salary check-off, zomwe zimatanthauza kuti ndalamazo zimaperekedwa mwachindunji ku akaunti yanu ya SACCO.
• Kusamutsira ku banki yanu kudzera mu mabanki omwe amagwirizana nawo.
• Kutenga ndalama ku ofesi ya SACCO mutavomerezedwa.

Ukadaulo wa Pulogalamu Yapafoni ndi Kudziwika kwa Makasitomala

Pali zambiri zochepa zokhudza ukadaulo wa digito wa Chitukuko SACCO. Ali ndi webusaiti (www.chitukukosacco.com) yomwe imakhala ndi chiwerengero cha ngongole ndiponso mafunso ofala okhudza umembala.

Pulogalamu Yapafoni

Pakadali pano, palibe pulogalamu yapafoni (mobile app) yovomerezeka ya Chitukuko SACCO yomwe ikupezeka pa malo ogulitsira mapulogalamu monga Google Play Store kapena Apple App Store. Ngakhale pali mphekesera zoti amagwiritsa ntchito “web app” kudzera pa nsanja ina yotchedwa Lendsqr, izi sizinatsimikizidwe bwinobwino kuti zikugwira ntchito kwa makasitomala a Chitukuko SACCO.

Kufikira Makasitomala

Chitukuko SACCO imayang’ana kwambiri dera la Lilongwe, koma imafikira mamembala ambiri kudzera mu mgwirizano ndi mabungwe awo ogwira ntchito m’dziko lonselo. Amamembala ambiri ndi anthu ogwira ntchito m’mabungwe aboma, aziphunziro, azachipatala, komanso mabungwe ena apadera.

Malamulo, Chilolezo, ndi Chitetezo kwa Makasitomala

Chitukuko SACCO ndi bungwe lovomerezeka komanso lovomerezeka ndi Unduna wa Zamalonda ndi Makampani ku Malawi. Kukhala membala wa MUSCCO kumatanthauzanso kuti bungweli limayang’aniridwa ndi malamulo a MUSCCO ndiponso limachita kafukufuku wamabuku chaka chilichonse.

Chitetezo kwa Makasitomala

Chitukuko SACCO imapereka chitetezo chofunikira kwa mamembala ake. Ngongole zawo zimakhala ndi inshuwalansi yomwe imateteza ngati membala wamwalira. Izi zikutanthauza kuti, membala akamwalira, masheya ake amapatsidwa obadwa naye kuwirikiza kawiri, ndipo ngongole yomwe anali nayo imachotsedwa. Izi zimapereka mtendere wamumtima kwa mamembala ndi mabanja awo.

Pankhani ya kuchotsa masheya, pali malamulo enanso: membala akufuna kuchotsa masheya ake, ayenera kudikirira masiku 90 ndipo amachotsedwa ndalama zokwana MK 5,000. Komanso, masheya ena osachotsedwa okwana MK 6,500 amakhala oyendetsa bungwe. Izi zimathandiza kuti bungwe lizikhala lolimba komanso lizikhala ndi ndalama zokwanira nthawi zonse.

Malo Pampikisano ndi Malingaliro Otsiriza

Chitukuko SACCO ndi chimodzi mwa mabungwe akuluakulu a SACCO ku Malawi, makamaka poyang’ana pa masheya a mamembala komanso chiwerengero cha mamembala ogwira ntchito. Limapikisana ndi mabungwe ena a SACCO monga Fincoop SACCO ndi Sunbird SACCO.

Zosiyanitsa Chitukuko SACCO

• Malipiro otsika: Makamaka pa ngongole za Advance, palibe malipiro oyendetsera.
• Ngongole zokhala ndi inshuwalansi: Zimapereka chitetezo chofunikira kwa mamembala.
• Ulamuliro wa demokalase: Mamembala amasankha atsogoleri awo ndiponso amalandira gawo la phindu.

Malangizo Othandiza kwa Ogula Oyembekezera

Ngati mukuganiza zobwereketsa ngongole kuchokera ku Chitukuko SACCO, pali zinthu zingapo zofunikira kuziganizira:

1. Yang’anani Zosowa Zanu: Chitukuko SACCO imapereka ngongole zosiyanasiyana. Sankhani ngongole yoyenera cholinga chanu ndiponso imene mungakwanitse kubweza.
2. Manga Masheya Anu: Popeza ngongole zimadalira masheya anu, yesetsani kusunga ndalama zambiri momwe mungathere kuti mukwanitse kubwereketsa ndalama zochuluka mtsogolo.
3. Werengani Chiwongoladzanja ndi Malipiro: Ngakhale chiwongoladzanja cha SACCO chimakhala chotsika poyerekeza ndi mabanki ena, onetsetsani kuti mwamvetsetsa zonse zomwe zikuphatikizidwa.
4. Kudziwa Kuti Palibe Pulogalamu Yapafoni Yovomerezeka: Ngati mukufuna kuthana ndi zinthu kudzera pafoni, dziwani kuti Chitukuko SACCO ilibe pulogalamu yake yapafoni. Muyenera kugwiritsa ntchito webusaiti yawo kapena kupita ku ofesi yawo.
5. Lankhulani ndi Nthumwi zawo: Musanapange chisankho chilichonse, ndi bwino kulankhula ndi nthumwi za Chitukuko SACCO kuti mumve bwino mikhalidwe yonse.

Ponseponse, Chitukuko SACCO imapereka mwayi wapadera kwa anthu ogwira ntchito ku Malawi kuti athe kusunga ndalama ndiponso kupeza ngongole zotsika mtengo. Kukhala membala kumabweretsa mapindu ambiri, makamaka chitetezo cha inshuwalansi pa ngongole ndi masheya anu. Kudziwa bwino za mikhalidwe ndi malamulo a bungweli kudzakhala kofunika kwambiri pakupanga zisankho zabwino zokhudza ndalama zanu.