Magulu amene akhazikitsidwa amaphunzitsidwa ndipo zimatenga milungu isanu ndi umodzi (6). Gulu limakumana pa sabata kamodzi pa tsiku ndi nthawi yomwe agwilizana.

Mfundo zikuluzikulu pa ntchito yosunga ndi kubwerekana ndalama

• Gulu la S4T limayenera kukhala ndi mamembala pakati pa khumi (10) ndi makumi awiri ndi asanu (25).
• Gulu limasankha tsiku lokumanilana kamodzi sabata iliyonse.
• Mamembala amagwirizana ndalama yoti membala aliyense azikwanitsa kudzasunga kapena kusonkha kugulu sabata ílionse ngati yogula masheya.
• Mamembala ayenera kugwirizananso za nthawi imene adzagawane ndalama zao, pakutha kwa seko (chaka).
• Gulu limachita ntchito yawo yosunga ndi kubwereketsa ndalama pa gulu mosabisa ndipo membala aliyense amayenera kumadziwa chimene chikuchitika pa gulupo pogwiritsa ntchito mbale ndi bokosi la maloko atatu.
• Magulu ayenera kusunga ndalama zawo posatira ndondomeko ya magawo a ndalama za gulu (sheya), membala adziloledwa kugula masheya osaposera pa asanu pa uliwonse.
• Pakhutha kwa chaka (seko) ndalama zonse (masheya ndi phindu) azigawana molingana ndikuchuluka kwa ma sheya amene membala alinawo mugululo.
• Munthu aliyense ndi wololedwa kulowa nawo mu S4T ngati wakwanilista zomuyeneleza zomwe gulu lingagwilizane mmalamulo ake.
• Mamembala onse ali ndi ufulu wovota mofanana mosaganizira za kuchuluka kwa ndalama zimene membala wasunga.
• Membala aliyense ndi mwini wake wa gulu ndipo ali ndi udindo woonetsetsa kuti zonse zikuyenda bwino.

Zipangizo zofunika pa ntchito yosunga ndi kubwerekana ndalama

• Bokosi losungilamo ndalama lokhala ndi maloko atatu
• Buku losungamo marekodi/ (hadi kava)
• Mabuku a mamembala (pass books)
• Chidindo
• Inki ya chidindo ( Ink pad)
• Ink
• Rula wodulira mizere
• Zolembera ziwiri
• Mapensulo awiri
• Chofufutira (Rubber)
• Mbale za pulasitiki zinayi zosiyana mitundu (4)
• Chowerengerera masamu (calculator)

Makhalidwe a pagulu, utsogoleri ndi kusankha atsogoleri

Gulu  ndi anthu amene avomerezana kukhala limodzi ndi kugwira ntchito limodzi kukwanilitsa cholinga chimodzi, komaso oyendera malamulo amodzi ndi kukhalaso ndi komiti yowatsogolera yosankhidwa ndi iwo eni kutumikira pa ntchito zagulu.

Ubwino wokhala pa gulu

• Kugawana nzeru zosiyanasiyana pa nkhani za chitukuko.
• Kupeza mwayi wa ngongole zochitira mabizinesi ang’ono ang’ono.
• Kupeza mwayi wa maphunziro kuchokera kumabungwe osiyanasiyana pankhani za chitukuko.
• Kuthandizana wina akapezeka kuti ali pa mavuto osiyanasiyana.

Wapampando - zomuyeneleza	Ntchito
Wamakhalidwe ndi mbiri yabwino	Kuyendetsa misonkhano
Munthu wokhulupilika	Kuongolera gulu mwa chilungamo
Akhale womva maganizo anzake	Kuyimira gulu kumisonkhano ya kunja.
Akhale wodziwa kuyankhula pa gulu	Kusungitsa mwambo ndi malamulo
Mlembi - zomuyeneleza	Ntchito
Wodziwa  kulemba ndi kuwerenga	Kulemba zonse za ndalama za gulu
Wokhulupirika	Kulemba ngongole m’mabuku
Wotha kuphunzitsidwa mosavuta.	Kupereka ripoti la ndalama za gulu
Wolimbikira pa ntchito za chitukuko.	Kulemba zokambirana pamisonkhano
Msungichuma - zomuyeneleza	Ntchito
Wodziwa kulemba ndi kuwerenga	Kusunga ndalama ndi katundu  wa gulu
Wokhulupirika pa nkhani za ndalama	Kusunga bokosi losungira ndalama
Wochokera ku banja la mbiri yabwino	Kudinda zizindikiro za masheya
Owelengera ndalama- zomuyeneleza	Ntchito
Wokhulupilika ndi wambiri ya bwino	Kulandira ndi kuwerenga ndalama
Wodziwa kuwerengera bwino ndalama	Kulengeza ndalama za mamembala

 

Ndondomeko ya ndalama za dzidzidzi

Gulu liyenera kuchita ndondomeko izi kuti ndalama za dzidzidzi zigwire ntchito yake bwino:-

• Gulu liike malamulo wokhuza ndalamazi mmene zizigwira ntchito poganizira woyenera kulandira chithandizo chandalamazi (mmene zingapezekere, katulukidwe komanso kabwenzedwe).
• Mamembala agwirizane kuchuluka kwa ndalama zimene  aliyense azisunga pa msonkhano ulionse.

Gawo la membala (sheya) ndi ndalama yochepa kwambiri imene mamembala agwirizana kuti membala angathe kusunga pa msonkhano umodzi.  Mamembala amagwirizanaso kuchuluka kwa magawo amene membala angathe kusunga pa msonkhano umodzi monga magawo asanu. Onetsetsani kuti pasakhale kusiyana kwambiri chifukwa pakakhala kusiyana kwambiri amene ali ndi ndalama zambiri amatenga gulu ngati lawo. Ndalama íliyonse imene membala apereka pa nthawi yosunga iyenera kulembedwa m’buku.

Ngongole íliyonse iyenera kutengedwa pazifukwa zokwanira mogwirizana ndi ndondomeko zagulu. Ngongole isamapitilire kuchuluka kwa katatu ka masheya omwe munthu alinawo.

Anthu amamanga nyumba ndikuyikila magetsi oyendela dzuwa

 

Chiwongoladzanja

Chiwongoladzanja ndi ndalama zimene munthu amayenera kupereka pamwamba pa ndalama zimene watenga pa ngongole. Chiwongoladzanaj chikhale pakati pa 10% ndi 20%. Ndalama zimene timangongola sikuti zimakhala zanthu choncho tikamapindula nazo ndikofuka kuti eni ake a ndalamawo apindulenso.

Fayini

Faini ndi ndalama yomwe membala amalipilitsidwa akalakwira malamulo agulu monga kuchedwa kubwera kumsonkhano, kukhala osabwera kumsonkhano popanda chifukwa chomveka kapena posanena, ndi zina zotero (ndalama zolipira milandu).

Malamulo agulu

{a} Dzina la gulu       ------------------------------------------------------------------------------------------------------

{b} Adiresi                     --------------------------------------------------------------------------------------------------

{c}Tsiku lomwe gulu lidayambila           ---------------------------------------------------------------------------

Cholinga cha gulu:       ----------------------------------------------------------------------------------------------------

Umembala:

• Membala wa gulu akhale woyambila zaka zingati? ------------------------------------------------------------
• Akhale akazi wokha kapena a muna okha kapena ophatikizana? ------------------------------------------
• Akhale wochokera mmudzi wanthu uno wokha kapena kumidzi ina yomwe/yozugulira -------------
• Kudziwana kwathu kukhale kotani? -----------------------------------------------------------------------------
• Mbiri ya makhalidwe amembala ikhale yotani? ----------------------------------------------------------------
• Akhale wochita bizinesi yekhayekha kapena aliyense? ------------------------------------------------------

Ndondomeko yochitira chisankho cha komiti yotumikira ntchito zagulu:

Membala adzaloledwa kuyima pachisankho chagulu kangati?   -------------------------------------------------------

Chisankho cha komiti ya gulu chizichitika pakapita nthawi yayitali bwanji? ----------------------------------------

Chisankho chagulu chizichitika pa kafika anthu osachepera angati? -------------------------------------------------

Chisankho chidzachitika potsatira ndondomeko yanji? Pochita voti mwachinsinsi kapena kukweza zala kumwamba. -------------------------------------------------------------------------------------------------------------------

Kodi ndi anthu angati adzaloledwe kupikisana pa mpando umodzi? ------------------------------------------------

Kodi ndi kololedwa kuti membala adziike yekha pampando kapena kuikidwa mongolodzedwa ndi membala nzake popanda  kuchita chisankho chagulu? -----------------------------------------------------------------

Kachotsedwe ka mtsogoleri paudindo nthawi ya chisankho isanafike:

Dziwani kuti membala aliyense wa gulu ali ndi ufulu kupereka zifukwa zochotsera mtsogoleri pa mpando ndipo ngati mamembala onse avomereza pochita voti, ndiye kuti mtsogoleriyo ayenera kutula pansi udindowo. Nthawi yomweyo gulu lichite chisankho cha mtsogoleri wina wolowa mmalo mwa wotulayo.

Zifukwa zoyenera kuchotsera mtsogoleri pa mpando nthawi yosintha maudindo itsanakwane:

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Misonkhano ya gulu:

Misonkhano yosonkha ndalama za masheya izichitika kangati pa sabata? Komaso tsiku lanji ndiposo nthawi yanji? ------------------------------------------------------------------------------------------------------------------

Gulu lizipereka ngongole kumamembala ake kangati pa mwezi? ----------------------------------------------------

Kodi mamembala agulu adzagawana ndalama zawo zonse patapita nthawi yayitali bwanji?

-----------------------------------------------------------------------------------------------------------------------------------

Kuchoka kwa membala mgulu:

Kodi membala amene akuchoka m’gulu pa zifukwa zoyenera kuti achoke, gulu lizachita chani? Komaso ndizifukwa ziti zimene zidzavomerezedwa kuti ndizoyenera kuti membala atero?

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• Membala wosiya gulu yekha popanda zifukwa zoyenera nthawi yogawana isanakwane, gulu lidzachita chiani?

------------------------------------------------------------------------------------------------------------------------------

Zifukwa zoyenera kuchotsera membala mgulu  -------------------------------------------------------------------

Imfa ya membala

Ngati membala amwalira ali ndi ngongole, gulu lidzachita chiani? ---------------------------------------------------

Ngati membala a mwalira alibe ngongole ndalama zake adzalandira ndani? ---------------------------------------

Zilango   

MULANDU   (Zitsanzo)	CHILANGO
Wochedwa ku misonkhano ya gulu
Kukanika kuloweza malamulo a gulu

 

Kukozanso  kwa  malamulo a gulu

Mambela ovomereza kuti malamulo akozedwenso ayenera kukhala osachepera angati?

 ----------------------------------------------------------------------------------------------------------------------------------

Ntchito zimene gulu liyenera kugwira

Zakusunga

Mtengo wa sheya imodzi ndi ndalama zingati? --------------------------------------------------------------------------

Membala akuloledwa kugula masheya osapitirira a ngati? pamsonkhano umodzi --------------------------------

Kodi masheya a membala akagulidwa alembedwe kuti komaso alembedwe ndi ndani?

-----------------------------------------------------------------------------------------------------------------------------------

Kodi gulu lidzachita chiani ngati membala akulephera kusonkha sheya ndiimodzi yomwe pa masabata a mbiri? ---------------------------------------------------------------------------------------------------------------------------

Ngongole

Kodi woyenera kutenga ngongole ndani? -------------------------------------------------------------------------------

Kuti munthu atenge ngongole gulu lidziyang’ana mfundo ziti zomuyenereza?     ---------------------------------

Kodi munthu akatenga ngongole azibweza papita nthawi yayitali bwanji?  -----------------------------

Kodi chiwongoladzanja chizikhala chochuluka bwanji pa K100.00 iliyonse? ---------------------------------------Ngati munthu akulephera kubweza ngongole pa nthawi yake, gulu lidzachita chiani?

----------------------------------------------------------------------------------------------------------------------------------Ngati membala alepherabe kubweza kwa miyezi _______ gulu lidzapanga naye chayani?

-----------------------------------------------------------------------------------------------------------------------------------

Ngati membala wathawa ndi ngongole, gulu lidzapanga chiyani? ----------------------------------------------------

Ndalamaza Thumba La Padera (Zachithandizo)

Membala aliyense wa gulu adzayenera kusonkha ndalama zokwana K _______ pamsonkhano uliwonse wa gulu

Tchulani mavuto osiyanasiyana omwe angafunikire thandizo la ndalama za thumba lapadera

----------------------------------------------------------------------------------------------------------------------------------

Thandizo lopereka ngati membala wa gulu wamwalira ndi  K ___________

Thandizo lopereka ngati mwamuna akapena mkazi wa membala wa gulu wa mwalira ndi K __________

Thandizo lopereka ngati mwana wa membala wa mwalira ndi K ________________

Thandizo lopereka ngati kholo la membala lamwalira ndi  K ________________

Achibale amene ayenera kulandira ndalama za membala akamwalira

Dzina la membala	Wolandira ndalama

 

Kuvomerezedwa kwa malamulo a gulu

Membala ayenera kusayinira kuvomereza malamulowa:-

Dzina	Sayini

 

Osaina mmalo mwa dera

Amfumu a mudzi
A gulupu