Ngemva kwezinyanga eziyisithupha zokuhlela ukwethulwa kwenkampani enomthelela omkhulu futhi ehlukene engxenyeni yezempilo yenkampani, i-fintech TudoNoBolso iqala ukusebenza kwayo, ihlinzeka ngemfundo, izixazululo zezikweletu, futhi ihlomulise konke endaweni eyodwa kubasebenzi bezinkampani ezisebenzisana nabo. Umgomo uwukuba isandiso somnyango wakwa-HR.
I-TudoNoBolso ihlinzeka ngokufinyelela ezikweletini zokukhokhelwa ezizimele kanye neminye imigqa yezikweletu ngomhlahlandlela wezezimali ku-100% wabasebenzi bezinkampani ezingamalungu ayo. Lokhu kungaphezu kwezaphulelo emakhemisi nakwezinye izikhungo, ubudlelwano namanyuvesi, nezinye izinhlelo. "Ngaphezu kokunikeza nje imali mboleko, sigxile ekuhlinzekeni inhlalakahle kulaba ochwepheshe. Sifuna ukubasiza kuzo zonke izigaba zokuphila kwabo kwezezimali kanye nentuthuko yomuntu siqu. Ngakho-ke, sizosebenzisana nemodeli yezinzuzo eziguquguqukayo, lapho izaphulelo ezintsha kanye nokubambisana kuzokwengezwa njalo kuphothifoliyo, "kusho uMarcelo Ciccone, umlingani osungula kanye ne-CEO ye-TudoNoBolso.
Ukuze unikeze ngemikhiqizo ye-fintech, izinkampani zozakwethu azikhokhi izindleko, futhi ithuluzi kulula ukulifinyelela nokulisebenzisa, futhi lingashintshwa ukuze lihlangabezane nezidingo zamakhasimende. Kubasebenzisi, yonke into yenziwa ngokuqondile ngohlelo lokusebenza lweselula noma iwebhusayithi, ngaphandle kokuphathwa kwehhovisi. NgokukaCicccone, kugxilwe kusisebenzi saseBrazil. Lona kungaba umuntu onesikweletu, kodwa futhi othile odinga usizo lokukhokhela ikolishi, uhlelo lokushintshanisa ingane yakhe, noma ukuthenga umshini wasekhaya.
Abeluleki abakhethekile bezezimali nezikweletu bayatholakala kubasebenzi ukuze baphendule imibuzo yabo futhi bathole isiqondiso esihambisana nezidingo zabo ezithile. "Okunye ukulungisa okulula kuma-akhawunti abo kungabavimbela ekudingeni ukuboleka imali, isibonelo. Isinqumo ngesabo, kodwa singabakhomba endleleni efanele. Sikholelwa ekubolekeni okunomthwalo wemfanelo futhi sithemba ukuba nobudlelwano nabasebenzi bezinkampani esisebenzisana nabo obungafani nanoma yini abayibone emakethe," kunezela u-Cicccone.
Isikhulu siphinde sikhulume ngobudlelwano phakathi kwemali nokuphila kahle. "Isimo sezimali esinzima sithinta ngokuqondile ukuzethemba komuntu oqeqeshiwe futhi, ngenxa yalokho, ukusebenza kwakhe. Ukuthola ithuluzi elibasizayo ukuthi balinganisele ngokwezimali zabo kubasiza ukuthi baphinde bazethembe."
Umthetho wase-Brazil uvumela imali ebolekiwe edonswa kwiholo ukuthi ibeke engcupheni umkhawulo ophezulu ongu-35% womholo wesisebenzi. Enkampanini ye-fintech, umkhawulo wesikweletu somsebenzisi ngamunye uhambisana nesikhathi esiphindwe kasikhombisa sokusebenza kwabo (iholo lomnikazi), inqobo nje uma isitolimende sihlala ngaphakathi kwalelo phesenti. Inkampani izovumela ukuthi isitolimende sokuqala sikhokhelwe esikhathini esingafika ezinyangeni ezimbili, inikeze isisebenzi iminyaka emihlanu yokukhokha yonke imali ebolekiwe, edonswa ngokuqondile emalini aso eholweni. Kulo modeli, nalabo abanemikhawulo yezikweletu bangazuza.
Esinye isici esihlukanisayo sizungeza emazingeni, afinyeleleka kakhulu kunezinye izinketho zekhredithi. Umbiko weBhange Elikhulu LaseBrazil kaMeyi ubonisa ukuthi isilinganiso sesilinganiso semalimboleko yomuntu siqu singu-7.83% ngenyanga, kuyilapho izinga lokubolekwa kweholo elizimele lingu-3.23% ngenyanga. Umehluko mkhulu nakakhulu uma kucutshungulwa amanani ajwayelekile wamakhadi esikweletu azungezayo, angama-35.21% ngenyanga, kanye nezinsiza zokubolekwa kwemali engaphezulu, ku-10.7% ngenyanga.
Umbiko ofanayo ukhombisa iphothifoliyo yemali ebolekiwe yomuntu siqu engu-R$293 wezigidi, kanti imali ebolekiwe yamaholo azimele ingaphezudlwana nje kwezigidi ezingu-R$40.5. “Izisebenzi zaseBrazil ziphuthelwa ithuba lokushintshanisa izikweletu ezibizayo kulabo abanenzalo ephansi, ngaleyo ndlela kushibhile ukuzuza ukulinganisela ngokwezimali nangokomzwelo.” Amanani abonisa ukuthi sisesikhulu indawo yokukhula kule makethe,” kuphawula uCiccone.
Ngoxhaso lwesikhwama se-PJM, inkampani ye-fintech yatshala imali eningi kwezobuchwepheshe ukuze isize kule nqubo. Esigabeni sayo sokuqala, i-TudoNoBolso iqondise izinkampani eziphakathi nendawo nezinkulu kulo lonke elaseBrazil. Umehluko obalulekile kubo ukuhlanganiswa okuzonikezwa osanda kungena emakethe: I-HR izokwazi ukuphatha futhi ibe nombono ophelele wabasebenzi bayo ngokusebenzisa isiteji. “Sifuna ukunikeza ezinye izindlela ukuze abantu bakwazi ukuzuza impilo yezimali futhi bagxile kulokho okubaluleke ngempela: umsebenzi, umndeni, abangani… Sifuna ukuhlanganyela no-HR, sinikeze izinkampani izinzuzo ezingcono kakhulu ukuze zibe nezisebenzi ezingcono kakhulu,” ephetha.
