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Ekonomiese en bestuurswetenskappe

Graad 5

Ek en my bank

Module 8

Verantwoordelikheid en besigheid

My geld - my verantwoordelikheid:

‘n Bank is bloot die agent wat jou geld in jou naam veilig bewaar en sekere transaksies soos deur die kliënt aangevra, uitvoer. Dit bly jou verantwoordelikheid as kliënt om jou geld reg te bestuur.

Sodra jy ‘n rekening by ‘n bank oopmaak, sal hulle jou maandeliks deur middel van bankstate inlig presies wat jy alles in daardie afgelope maand met jou geld gedoen het en wat jou saldo/balans aan die einde van daardie maand is.

Bestudeer die volgende bankstaat en bespreek met jou maat of julle dink dat mnr. De Klerk sy geld verantwoordelik bestuur.

SA-BANK

H DE KLERK SA-BANK

GROENSTRAAT 5 KAAPSTAD

KAAPSTAD REKENINGNOMMER : 777756

8001

HUIDIGE SALDO : 2 056,11

STAAT VIR PERIODE : 18/09/2004 - 25/09/2004

DATUM TRANS BESKRYWING KOSTE BEDRAG SALDO
180904 SALDO OORGEBRING 1 052,66
180904 TJEK : 22 4,50 234,56 818,10
180904 KONT ONTTREK 2,40 150,00 668,10
190904 DEPOSITO:TJEK 0,59 278,90 947,00
190904 DEPOSITO:KONTANT 1,20 250,76 1 197,76
220904 TJEK : 24 2,80 166,80 1 030,96
220904 TJEK : 25 1,60 89,99 940,97
230904 DEPOSITO:TJEK 5,80 1 958,60 2 899,57
230904 KONT ONTTREK 5,60 1 000,00 1 899,57
240904 BANKKOSTE 0,00 24,49 1 875,08
240904 TJEK : 23 7,80 1 278,60 596,48
250904 ACB KREDIET 0,00 3 500,00 4 096,48
250904 TJEK : 26 7,80 1 875,99 2 220,49
250904 KONT ONTTREK 2,80 164,38 2 056,11

EINDE VAN NAVRAAG 25/09/2004 11:23:20

Het jy reeds die finale saldo bereken?

Dink jy mnr. De Klerk het genoeg geld in sy rekening om Kersgeskenke te koop?

Ons gevolgtrekking:

Gebruik nou die volgende lys transaksies van mnr. De Klerk om ‘n bankstaat vir die maand September saam te stel. Onthou om geld wat uitbetaal is, van die saldo af te trek, terwyl geld wat ontvang is, by die saldo getel word.

TRANSAKSIES DEUR MNR. H. DE KLERK VIR SEPTEMBER 2004

1 Sept. Koop speelgoed Tjek no. 66 R 215,99

3 Sept. Betaal tuindiens Tjek no. 67 R 150,00

3 Sept. Betaal telefoon Tjek no. 68 R 347,56

4 Sept. Munisipaliteit Tjek no. 69 R 287,90

5 Sept. Trek kontant R 500,00

7 Sept. Brandstof Tjek no. 70 R 185,47

10 Sept. Kos Tjek no. 71 R 1 245,67

15 Sept. Ontvang salaris R 6 899,00

17 Sept. Ontvang geskenk R 250,00

21 Sept. Motordiens Tjek no. 72 R 1 085,00

25 Sept. Brandstof Tjek no. 73 R 165,80

28 Sept. Sakgeld kinders(kontant) R 170,00

30 Sept. Skoolgeld Tjek no. 74 R 855,00

30 Sept. Hotel langnaweek Tjek no. 75 R 2 068,00

[lu 3.4]

‘n bank – ‘n besigheid

Het jy al ooit só aan ‘n bank gedink?

‘n Bank verkoop geld sowel as diens aan sy kliënte en staan daagliks in kompetisie met baie ander banke. Hulle moet net soos enige ander besigheid die potensiële kliënt se aandag op hulle vestig.

Die “produk”, naamlik geld, kan nie verbeter of meer aantreklik gemaak word nie. Geld is geld. ‘n Bank kan nie besluit om die geld met verskillende kleure randjies te druk sodat dit die aandag van jongmense trek nie.

Daarom moet ‘n bank op die ander aspek, naamlik DIENS, konsentreer. Hóé word hierdie geld aan die kliënt beskikbaar gestel en wát is die kwaliteit aandag wat die bank aan sy kliënte gee?

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Source:  OpenStax, Ekonomiese en bestuurswetenskappe graad 5. OpenStax CNX. Sep 05, 2009 Download for free at http://cnx.org/content/col10973/1.1
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