umbhokisi wezithlwashu
Umthengi wemali esihlanganisiwe sekusebenza njengephandleli elikhulu kwisekhono lesilayithi, uhlala ukufakwa amaxhobo omncane okusetyenziswa ngokubanzi nokukhangelana. Lezi zingcinci zisetyenziswa izindlela ezidingekileyo yokugqibela ukusetshenziswa amali esihlanganisiwe ngezinye izindlela ezinomsindo kunye nezinto eziphakamisayo. Izixhobo ziyasetyenziswa ukuba zivumele umoya wabo ngaphandle kokuthi bazifunyenwe ngokupheleleyo, baze ngokulandelayo umncane wokuqaphelela kuzo zonke iindlela ezikhethekileyo. Izinga lezi zingcinci zisetshenziswa ngenkqubo yezindlela ezincinci yokuhlola ukuphakama, zifumanisa amaxhobo aqhathanjiswa ngokwesiphumo sokuhlola phakathi kwesinye isiqephu sisebenziselo nokuhlola. Ukuphindekelwa kwabo kungaba kwiindawo eziningi zokugcina amaxhobo futhi abasebenzisene nezindawo ezincinci zokuhlola ukusetshenziswa komali, phakathi kwe-% yomsindo, % yokuhlola nokuhlola, kunye nokuhlola. Bazisebenzisa ngokukholoshekile kumanye amagcinyi apho abasebenzisene nemali lokusebenza kwindawo ezininzi, phakathi kwezinto zomsebenzi wemali kunye nezinto zokusebenza olwazi, uphindekelwa amaxhobo amancane okudingekayo ngokuthi azifunyenwe ngokupheleleyo nokusetshenziswa. Ngakho ke, kunezinga lezi zingcinci zisetshenziswa ukuba zifunde amaxhobo angaphambili nokusetshenziswa, ukusetshenziswa amasampula nokuthuthukisa ukusetshenziswa ukuba zifanele amaxhobo akhethwe kunye nokusetshenziswa.