Kodi ndimachotsa bwanji dzina langa ku SIMAH ndikalipira, ndipo kodi SIMAH imakhudza ntchito?

Mostafa Ahmed
2023-09-10T06:56:19+00:00
zina zambiri
Mostafa AhmedWotsimikizira: bomaSeptember 9, 2023Kusintha komaliza: masabata XNUMX apitawo

Kodi ndimachotsa bwanji dzina langa ku SIMAH ndikalipira?

Kutengera ndi malangizo ochokera ku Central Bank of Saudi Arabia (SAMA), ntchito yosinthira data yolipira yakhala yankho lochotsa dzina pamalipiro mukalipira.
Ili ndi gawo lofunikira kuti mupewe zovuta zilizonse zomwe zingachitike pa mbiri yanu yangongole.

Kuti muchite izi, tsatirani izi:

  1. Lowani muakaunti yanu ya Sima poyendera tsamba lovomerezeka la Sima Credit Company.Ezoic
  2. Muyenera kulowa muakaunti yanu ya SIMAH polowetsa zina zofunika ndi dongosolo.
    Chonde lowetsani mosamala zomwe mukufuna.
  3. Mukalowa, pitani patsamba lanu ndikusankha "Zotsutsa."
  4. Fomu yofunsira idzawonekera.
    Lembani zidziwitso zonse zokhudzana ndi kugwiritsa ntchito ndikuwonetsetsa kuti zomwe zalembedwa bwino komanso zolondola.Ezoic
  5. Mukamaliza fomu yofunsira, tsimikizirani zomwe mwalemba ndikudina batani la "Submit" kuti mupereke fomuyo.
  6. Wobwereketsa adzasintha zokha deta yanu ndi SIMAH atalandira pulogalamuyi.
    Dongosololi likakonzedwa, dzina lanu lichotsedwa mukamalipira.

Muyenera kudziwa kuti njirayi imafuna nthawi kuti ikonze zopempha ndikusintha deta.
Pakhoza kukhala kuchedwerapo kuchotsa dzina kuchokera kuzinthu pambuyo polipira.
Chifukwa chake, tikulimbikitsidwa kuti muwunikenso akaunti yanu pafupipafupi kuti muwonetsetse kuti zosinthazo zidayenda bwino komanso kuti dzina lanu lachotsedwa molondola.

Ezoic

Kumbukirani kuti kuchotsa dzina lanu pamalipiro mukalipira ndikofunikira kwambiri kuti mbiri yanu yangongole ikhale yoyera komanso kupewa zovuta zamtsogolo.
Muyeneranso kutsata zolipira zina zandalama ndikuwonetsetsa kuti zikulipidwa munthawi yake kuti mutsimikizire kuti mbiri yanu yangongole ipitilirabe.

Khalidwe

Zimatenga nthawi yayitali bwanji kuchotsa dzina langa ku SIMAH ndikalipira?

Njira yomwe dzina lolowera limachotsedwa papulatifomu ya "Simah" pambuyo poti zopinga zonse zachotsedwa zimafunikira nthawi.

Ezoic

Kwa makampani azandalama, nthawi yofunikira kuti asinthe mawonekedwe pambuyo polipira imasiyanasiyana.
Kuti muchotse dzina lanu ku SIMAH, muyenera kulipira zolakwa zonse ndikusintha fayilo yanu yangongole.
Pambuyo pake, zimatenga masiku asanu ndi awiri kuti dzina lanu lichotsedwe papulatifomu ya SIMAH.
Izi zimachitika pambuyo powonetsetsa kuti onse omwe adalephera kulipira ngongoleyo akulipidwa komanso fayilo yangongole yasinthidwa.

Pali njira zina zomwe ziyenera kutsatiridwa kuti muchotse dzina lanu papulatifomu ya SIMAH mutalipira.
Choyamba, muyenera kutsimikizira kulipira ndalama zonse polowa muakaunti yanu papulatifomu ya SIMAH.
Pambuyo pake, dinani "Renew Information" ndikudina "Letsani Umembala".
Mukatenga njira ziwirizi, dzina lanu lidzachotsedwa ku SIMAH ndipo macheke adzabwezedwa m'dzina lanu ndi zigamulo zamakhothi okakamiza, ngati zilipo, zidzathetsedwa.
Mudzathanso kudziwa zangongole zanu.

Funsani za chikhalidwe chokhala ndi nambala ya ID ya dziko

Kampani ya Sama yakhazikitsa ntchito yofunsira SIMAH pogwiritsa ntchito nambala ya ID yadziko lonse ku Kingdom of Saudi Arabia.
Ntchito yatsopanoyi ndi gawo lofunikira kuti mutsogolere njira yofunsira zamunthu aliyense payekha.

Ezoic

Mukamagwiritsa ntchito ntchitoyi, meseji kuchokera kwa Sama imatumizidwa pa foni ya wogwiritsa ntchito, yomwe ili ndi zonse zokhudza dzina lake.
Wogwiritsa ntchito atha kupita kutsamba la Sama ndikulemba nambala yake yapadziko lonse.

Ntchito yatsopanoyi imapangitsa kuti ogwiritsa ntchito azitha kufunsa za SIMAH m'njira yosavuta komanso yachangu, osadikirira nthawi yayitali kapena kupita nokha ku National Center for Financial Derivatives Registration ku Riyadh.

M'nkhaniyi, National Center for Financial Derivatives Registration ili ndi udindo wosunga deta pamakontrakitala azachuma omwe sanalembedwe pamsika wandalama.
Likululi ndi gawo lofunika kwambiri la zoyesayesa za boma la Saudi kuti lisunge mbiri yolondola komanso yodalirika yazinthu zonse zandalama mu Ufumu.

Ezoic

Kuti mufunse za SIMAH pogwiritsa ntchito nambala ya ID ya dziko mu Ufumu wa Saudi Arabia, chonde pitani patsamba la SIMAH mwachindunji ndikulowetsa nambala ya ID.
Zonse zokhudza khalidwe la munthuyo zidzawonetsedwa nthawi yomweyo deta ikatsimikiziridwa.

Anthu angagwiritsenso ntchito ntchitoyi kuti afunse za chikhalidwe chokhala ndi nambala ya registry.
Amangoyenera kupita patsamba la SIMAH mwachindunji ndikulowetsa nambala yolembera anthu kuti adziwe zambiri zokhudzana ndi SIMAH yawo.

Kukhazikitsidwa kwa ntchito yofunsira SIMAH yokhala ndi nambala ya ID ya dziko kumabwera kuti ikwaniritse zosowa ndi zofunikira za ogwiritsa ntchito mu Ufumu wa Saudi Arabia.
Kudzera mu utumikiwu, a Sama akufuna kupangitsa kuti anthu asamamve zambiri zachidziwitso mwachangu, mophweka komanso modalirika.

Ezoic

Gome lomwe likuwonetsa njira zoyenera kufunsa za visa pogwiritsa ntchito nambala ya ID ya dziko:

sitepeZochita
Gawo 1Pitani patsamba lovomerezeka la Sama
Gawo 2Sankhani njira yofunsira ndi nambala ya ID ya dziko kapena nambala ya registry
Gawo 3Lowetsani nambala ya ID ya dziko kapena nambala ya registry
Gawo 4Dinani batani la "Funso" kapena "Tsimikizirani".
Gawo 5Zonse zokhudzana ndi khalidwe la munthuyo zidzawonekera mwamsanga deta ikatsimikiziridwa
Gawo 6Sungani zambiri kapena kuzisindikiza ngati kuli kofunikira kuti mudzagwiritse ntchito mtsogolo

Chifukwa cha ukadaulo wofunsira nambala ya ID, zakhala zotheka kuti anthu aziwona zambiri za SIMAH mosavuta komanso mosavuta.
Utumikiwu udzapulumutsa nthawi yochuluka ndi khama kwa nzika za Ufumu wa Saudi Arabia ndikupangitsa kuti ntchito zandalama zikhale zogwira mtima komanso zosavuta.

Kodi kupunthwa kumachotsedwa liti ku ululu wake?

Kampani ya Saudi Credit Information Company "Simah" idatsimikiza kuti palibe mndandanda wa anthu omwe alephera kulipira, ndipo idapempha makasitomala kuti alembetse kudzera ku mabanki kuti alandire malipoti awo angongole.

Ezoic

Kampaniyo idafotokoza kuti makasitomala ali ndi ufulu wotsutsa ngati chidziwitso chokhudza kusakhulupirika chikhalabe chovomerezeka, patatha zaka zisanu kuchokera pakubweza ndalamazo.
Amakhalanso ndi ufulu wopereka chitsutso ngati pali chidziwitso chokhudza cheke chobwezeredwa chomwe chathetsedwa.

Palibe nthawi yeniyeni yochotsa zidziwitso zosasinthika kuchokera ku mbiri ya ngongole pambuyo polipira, koma zina zimalembedwa ngati chidule cha kusakhulupirika ndi chidziwitso chokhudza macheke omwe abwezedwa, ngati alipo, kuwonjezera pa mafunso aposachedwa a kampani.
Izi zimafunsidwa ngati kholo ndi nthambi zake akufuna kulowa nawo umembala umodzi.

Kuti mupeze lipoti la ngongole ya kasitomala, kasitomala amayendera akaunti yake.
Deta yamakasitomala ku SIMAH imasinthidwanso ndi Social Development Bank mkati mwa masiku 7 kuyambira tsiku lolipira zolephera.

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Lipoti langongole lamakasitomala limaphatikizapo chidziwitso cholondola chokhudza kusakhulupirika m'mbuyomu komanso kubweza ndalama, ndipo SIMAH ilonjeza kuti ipereka zidziwitso zolondola ndikuzisintha nthawi ndi nthawi.
Chifukwa chake, makasitomala ali ndi ufulu wotsutsa zomwe zili mu lipoti lawo la ngongole.

Nthawi zambiri, zambiri zamakasitomala ku SIMAH zimasinthidwa pafupipafupi ndipo nthawi zambiri zolephera zikalipidwa.
Malinga ndi zomwe SIMAH inanena, mabungwe azachuma amasintha zambiri zamakasitomala kamodzi pa sabata.

Izi zikufuna kupereka chidziwitso cholondola komanso chodalirika kwa makasitomala ndi mabungwe azachuma, komanso kulimbikitsa mabanki ndi ngongole mu Ufumu wa Saudi Arabia.

Ezoic

Kodi mabilu a telecom akuphatikizidwa mu gawoli?

Saudi Telecom yalengeza kuti yasaina pangano ndi Saudi Credit Information Company "Simah" kuti agwirizane ndi magulu awiriwa.
Panganoli likufuna kupititsa patsogolo ndikukulitsa ntchito yomwe ilipo ndikuthetsa zotsutsana pakati pa makasitomala ndi makampani olumikizirana matelefoni, kuwonjezera pa zomwe zimakhudzira makasitomala omwe sali odzipereka kulipira m'mabanki.

Makasitomala akalephera kulipira mabilu awo kumakampani olumikizirana matelefoni, amaphatikizidwa pamndandanda wa omwe alephera kuwongolera omwe amayendetsedwa ndi SIMAH.
Malinga ndi zomwe mkulu wa kampaniyo adanena, makasitomala omwe ali ndi vuto amakhala ndi miyezi 6 kuti athetse mavuto awo asanaphatikizidwe pamndandandawu.

Kutengera mgwirizanowu pakati pa STC ndi SIMAH, mamembala a SIMAH akuyenera kusintha zidziwitso zawo zangongole m'malipoti awo pasanathe sabata imodzi akalipira magawo awo kapena mabilu kapena akamaliza mapangano azandalama, ndi zina zambiri.

Ezoic

Ngakhale pali makampani ena angongole omwe salola kuti makasitomala omwe amalephera kubweza ngongole apindule ndi ma telecom, SIMAH idakhazikitsa mndandanda wapadera wamakasitomala omwe alephera.
Mndandandawu ukuphatikizanso makasitomala omwe sali odzipereka kulipira mabilu amatelefoni.

Potengera izi, ndikwabwino kuti makasitomala azilipira panthawi yake pamagawo angongole ndi mabilu a kirediti kadi.
Pakachitika mafunso aliwonse kapena zovuta zokhudzana ndi malipoti angongole, makasitomala amatha kulumikizana ndi Simah Credit Institution kuti afufuze malipoti awo ndikutsata momwe alili azachuma.

Kodi SMA imakhudza ngongole yanu?

Anthu nthawi zambiri amapita ku mabanki ndi mabungwe azachuma kuti awapatse ngongole zomwe zimawathandiza kukwaniritsa zosowa zawo zachuma.
Poganizira izi, funso lodziwika bwino limabuka: Kodi mawonekedwewa amakhudza ngongole zawo?

Ezoic

"SIMAH" ndi bungwe lomwe limayang'anira kusonkhanitsa ndi kusanthula zidziwitso zangongole za anthu aku Kingdom of Saudi Arabia.
Ngakhale SIMAH ndiye gwero lofunikira lachidziwitso changongole, sizimakhudza kuthekera kopeza ngongole, kuphatikiza ngongole zaumwini.

Malinga ndi zomwe zilipo, popereka ngongole kwa kasitomala, banki ili ndi ufulu wolembetsa zambiri zangongole mu "SIMAH".
Ndikofunikira kutsimikizira kuti njirayi ikuchitika movomerezeka komanso ndi chilolezo cha kasitomala, chifukwa ayenera kulowa nambala yake ya ID ndikudina njira yofunsira.
Pakachitika kukana, wogula ayenera kulankhula ndi banki kuti adziwe zifukwa zomwe zingatheke kukana.

Ndizofunikira kudziwa kuti lipoti langongole loperekedwa ndi Simah silinena za kuvomereza kapena kukana zopempha zandalama ndi zina zangongole.
Makamaka pankhani ya ngongole zaumwini, wopereka ndalama ndi amene ali ndi udindo wopanga chisankho kuvomereza kapena kukana zopempha.
Komabe, wogwira ntchito kubankiyo atha kufunsidwa kuti agwiritse ntchito zomwe zikupezeka mu "SIMAH" kuti awone kuthekera kwa kasitomala kubweza ngongole yomwe wapemphedwa.

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Chifukwa chake, titha kunena kuti "SIMAH" siyikhudza mwachindunji mwayi wangongole wa anthu ndipo sichimasokoneza chisankho chovomereza kapena kukana zopempha zandalama.
Udindo umenewo uli pa mabungwe a zachuma.
Komabe, ndikofunikira kutsatira njira zoyenera, kutumiza zikalata zofunika kuti mupeze ngongole zaumwini, ndikuwonetsetsa kuti kasitomala amatha kubweza pamasiku omwe atchulidwa.

Chifukwa chake, zitha kunenedwa ndi chidaliro kuti SIMAH sichikhudza ngongole yaumwini mwachindunji, popeza zosankha zovomereza ngongole zimatengera miyezo ndi mfundo za banki iliyonse.

Khalidwe

Ezoic

Kodi SIMAH imayimitsa ntchito ziti?

Zambiri zamagetsi zikuwonetsa kuti SIMAH siyiyimitsa ntchito zaboma kapena kuletsa wogula aliyense kuyenda.
Udindo wa SIMAH ndi wongotolera zambiri zangongole.
Mkulu wa kampaniyo, Suwaid Al-Zahrani, adatsimikizira nkhaniyi, ndipo Nabil Al-Mubarak, General Manager, adakana kuyimitsa ntchito zamabanki kapena ziletso zapaulendo kwa nzika ndi nzika zomwe zidalephera kulipira.

Kampani ya Sima imapereka ntchito zomwe zimapereka chidziwitso cha ngongole kwa anthu ndi makampani.
Ntchitozi zikuphatikizapo kusonkhanitsa ndi kusanthula deta yokhudzana ndi mbiri ya ngongole ndi malipiro a anthu ndi makampani.
Makasitomala amapatsa kampaniyo deta yawo yazachuma ndi ngongole kuti iwunike ndikutumiza lipoti lowonetsa kudalirika kwawo komanso momwe alili azachuma.

Ntchito izi cholinga chake ndi kuthandiza mabungwe omwe akufuna kupanga zisankho zandalama kapena bizinesi.
Popeza lipoti langongole kuchokera ku SIMAH, ochita sewero amatha kuwunika kuthekera kwa anthu ndi makampani kubweza ngongole ndi udindo wawo wazachuma.
Izi zimawathandiza kupanga zisankho zodalirika popereka ndalama kapena kupanga mgwirizano ndi makasitomala.

Ezoic

Ntchitozi zimawonedwa kuti ndizofunikira m'magawo ambiri, monga mabanki, zachuma ndi makampani ogulitsa.
Kuwunika udindo wa ngongole ndi malipiro ndi chinthu chofunikira kwambiri popanga zisankho zandalama ndikuchita ndi makasitomala.

Ndi kufotokozera izi, tinganene kuti ntchito za SIMAH ndi cholinga chosonkhanitsa ndi kusanthula zidziwitso za ngongole kwa anthu ndi makampani, ndi cholinga chopereka malipoti omwe amathandiza ochita masewerawa kuti azipanga chisankho chodziwika bwino chandalama ndi bizinesi.

Kodi zilango zamakhalidwe ndi chiyani?

Malinga ndi Banki Yaikulu ya Saudi Arabia, layisensi imayimitsidwa kwakanthawi pomwe milandu yolakwika ikapezeka ku Saudi Credit Information Company (SIMAH).
Izi zikutanthawuza kuti munthu wolephera kubweza ngongoleyo sadzatha kupeza ndalama zambiri kapena kupeza makhadi atsopano.

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Pansi pa malamulo a Central Bank of Saudi Arabia, olephera ku Simah ali ndi zilango zingapo zokakamiza komanso zovomerezeka.
Zina mwa zilango izi ndi:

  1. Kuzenga mlandu: Wokasitomala wolephera kubweza ngongoleyo akhoza kutsutsidwa ndi akuluakulu azachuma omwe akhudzidwa ndi kusalipira ngongole.
  2. Kulanda katundu: Ngati wolephera kubweza ngongoleyo sangathe kulipira ndalama zomwe wapatsidwa, katundu yense amene ali nawo akhoza kulandidwa.
  3. Kusokonekera kwa ndalama zamtsogolo: Kusakhulupirika kwa kasitomala kungamulepheretse kupeza ndalama zatsopano kwa nthawi inayake, mosasamala kanthu za kuchuluka kwa ndalama zomwe adalephera.
  4. Kulephera kupeza makhadi angongole: Chochitika cholephera kubweza ngongole chingapangitse kuti makhadi angongole omwe alipo kale alepheretsedwe ndikusawalola kupeza ena.

Pewani zilango mu chikhalidwe

Kuti mupewe zilango mu SIMAH, olephera ayenera kuchitapo kanthu zodzitetezera.
Mwa njira izi:

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  1. Khalanibe ndi mbiri yabwino yangongole: Anthu ayenera kusunga mbiri yabwino yangongole mwa kubweza ngongole panthaŵi yake ndi kusachedwa ndi kubweza ndalama.
  2. Kuwongolera kagwiritsidwe ntchito ka ndalama: Anthu akuyenera kudziletsa ndi kusapyola ndalama zomwe amawononga pamwezi, kuti apewe ngongole zambiri komanso kulephera kwachuma.
  3. Yang'anirani ndi kuunikira ngongole: Anthu ayenera kuyang'anitsitsa ngongole zawo nthawi zonse ndi kuika patsogolo kubweza malinga ndi momwe alili ndi ndalama.
  4. Kulankhulana ndi akuluakulu azachuma: Kukavuta kubweza ngongole, tikulimbikitsidwa kuti mulumikizane ndi akuluakulu azachuma oyenerera ndikukambilana zolipirira kapena njira zolipirira zosinthika.

Ndikofunikira kuti anthu achite izi kuti apewe kulakwitsa ndi kuonetsetsa kuti ali ndi mbiri yabwino yangongole popanda zolakwika zandalama.

Kodi lipoti la mawonekedwe ndi laulere?

Lipoti laulere pamabungwe, mabungwe ndi mabungwe ovomerezeka

Ezoic

Kampani ya Saudi Credit Information Company "Simah" idalengeza kuti malipoti oyambira 5 adzakhala aulere kwa mabungwe, mabungwe ndi mabungwe azovomerezeka.
Tiyenera kuzindikira kuti chigamulo cha mabungwe azamalamulo ndi chikalata chofunikira choperekedwa ndi SIMAH, chifukwa chimakhala ndi zambiri zokhudzana ndi malowa kuphatikiza ma adilesi, zidziwitso zolumikizirana, komanso chidule cha zobweza.

Lipoti langongole laulere likuwonetsa malire angongole omwe amalipidwa komanso osalipidwa, zomwe zidalipo kale, komanso kusakhulupirika.
Zimalola makampani kumvetsetsa bwino ndikusanthula machitidwe awo angongole.

Kuphatikiza apo, ogwiritsa ntchito atha kufunsa zomwe zili ndi nambala ya ID kuti adziwe lipoti lawo langongole.
Mutha kupeza ulalo kuti mufunse za visa pogwiritsa ntchito nambala ya ID kapena nambala yolembetsa.

Ezoic

Ndizofunikira kudziwa kuti makampani atha kupeza lipoti langongole lamakampani kwaulere nthawi yoyamba malinga ndi Credit Information System.
Kuphatikiza apo, lipoti langongole litha kufunsidwa kudzera patsamba la SIMAH.

Ndi izi, SIMAH imathandizira kuti pakhale gwero lodalirika komanso laulere lazambiri zangongole kwamakampani, mabungwe ndi mabungwe azovomerezeka.
Izi zimathandiza kuwongolera njira yopangira zisankho zachuma ndikuwunika momwe mabungwewa amagwirira ntchito.

Pomaliza, SIMAH imagwira ntchito yopititsa patsogolo bizinesi ndikulimbikitsa makampani, mabungwe ndi mabungwe azamalamulo kuti akwaniritse bwino kwambiri zachuma popereka chidziwitso chofunikira komanso cholondola changongole.

Ndizofunikira kudziwa kuti mtengo wa lipoti langongole la bizinesi ndi 345 riyal.

Khalidwe

Kodi chikhalidwe chimakhudza ntchito?

Pankhani ya ntchito, nthawi zonse timakhala ndi mafunso ndi nkhawa zambiri.
Ena mwa mafunsowa ndi awa: Kodi khalidwe la ngongole limakhudza mwayi wa kasitomala wopeza mwayi wa ntchito?

Malingaliro angongole ndi lipoti lomwe lili ndi chidziwitso chofunikira chokhudza mbiri yamalipiro a kasitomala ndi udindo wake wazachuma.
Lipotili limagwiritsidwa ntchito kuwunika ngati kasitomala akuyenera kubweza ngongole komanso kuthekera kwake kubweza ngongole.
Choncho, lipoti la ngongole likhoza kukhudzidwa bwino ngati kasitomala akubweza ngongole panthawi yake ndikuyendetsa bwino ndalama zake.

Kutengera chidziwitsochi, lipoti langongole lingakhudze mwachindunji mwayi wa kasitomala wopeza ntchito.
Wogula akafunsira ntchito yatsopano, kubwereketsa kungaphatikizepo kuwunika momwe alili ndi ngongole kapena ngongole.
Kuwunikaku kungakhudze lingaliro la kampani lovomera kapena kukana pempho lolemba ganyu, makamaka ngati kampaniyo ili ndi malamulo okhwima okhudza mbiri yamalipiro a kasitomala ndipo imaganiziridwa popanga zosankha.

Koma tiyenera kuzindikira kuti khalidwe la ngongole sizinthu zokhazo zomwe zimakhudza mwayi wa ntchito.
Zimatengera ndondomeko ya kampani iliyonse ndi zofunikira pakulemba ntchito.
Kugogomezera kungathenso kuikidwa pa zomwe zinachitikira m'mbuyomo, luso, maphunziro, ndi momwe amachitira poyankhulana.

Nthawi zambiri, sichilungamo kuti mwayi wopeza ntchito wa kasitomala ungowunikiridwa molingana ndi momwe alili ndi ngongole.
Zinthu zonse zokhudzana ndi kulemba ntchito ziyenera kuganiziridwa ndipo kuyenerera kwa kasitomala kuyesedwa pa luso lake lochita bwino ntchitoyi.

Ezoic

Kodi ndingayeretse bwanji mbiri yanga yangongole?

Ulalo wamfupi

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