INTRO: Imibutho yabafundi, isamkele isigqibo sikarhulumente, sokurhoxisa izihlomelo ezibalula amaziko emfundo, njenga nokuthumela iinkcukacha zamatyala abafundi, kwiziko eliqulathe iinkcukacha zamatyala abantu, ii-Credit bureaus ngelasemzini.