IMAKETHE LEHLOSIWE


Imikhicito yeSikhwama sekuTfutfukisa saVelonkhe (National Empowerment Fund (NEF)) icondze kusekela uMtsetfo we-BEE No. 53 wanga-2003, Lisu lwe-BEE lwaHulumende weNingizimu Afrika  letihambisana nayo. Imikhakha yeTikimu teMacembu naBosomabhizinisi (Group and Entrepreneurial Schemes Division) ye-NEF ihlose kusita boSomabhinisi emiKhakheni lemiNcane naleseMkhatsini iphindze itfutfukise kundlondlobala kwemabhinisi. Ngetulu kwaloko, iniketa imali nemphahla yekwelekelela ekutfutfukiseni imiklamo yemphakatsi netindzawo tasemaphandleni. Ngetulu kwaloko, ifuna kutfutfukisa lisiko leluhlanyelomali lolufane nekonga kuBantfu labebaNcishwe emaTfuba ngekweMlandvo (Historically Disadvantaged Persons (HDP) ngekusebentisa tinhlelo letehlukene.

UMKHICITO

Kusungula timakethe
Kutsatsa sibopho sekukhokhela ema-IPO
* Kusita i-BEE ifinyelele emalini nasemphaleni yemakethe ikakhulu ku-Alt X
Kuchutjwa kwe-BEE 
* Kukhokhela imphahla letsengiswa yi-BEE  
* Kucinisekisa kusala kwemasheya e-BEE. 
* Kuchuba ematfuba eluhlanyelomali lwe-BEE 
Lokucohlosiwe
* Tinkampani letisunguliwe te-BEE nemaTiko aHulumende ladzinga kugcinwa kwemasheya e-BEE 
Imiklamo-licebo
* Kugcinwa kwemasheya e-BEE  
* Kucondzisa emasheya emiklameni lemikhulu
* Kuba balingani ebhizinisini ne-IDC/DBSA, bosomabhizinisi beluhlanyelomali
* Ingucuko yekwehlulela kwe-NEF nekulinga kuyisebentisa
Kusita bosomabhizinisi
* Kuniketa imali/imphahla njengalokutawuletsa tingucuko ebhizinisini 
* Kuba balingani ebhizinisini nema-DFI neMkhakha weMphakatsi
Luhlanyelomali lwetemabhizinisi e-BEE  
* Kuniketa umphakatsi we-BEE ematfuba ekubhalisela kutfola emasheya ngesephulelo 
* Incenye yelisu le-NEF  etinhlotjeni  teluhlanyelotimali letibhaliwe
Kusita tindzawo tasemaphandleni neMphakatsi
* Kugcila ekutfutfukiseni umphakatsi 
* Kuba balingani betemabhizinisi netinhlangano letibomatiwakhulu
* Sikhwama Sakusasa seLubambiswano lwaBomake 

KUSITWA KWABOSOMABHIZINISI
Inhloso yekuSitwa kwaboSomabhizinisi kukhutsata lisiko lemabhizinisi kuBantfu lebebaNcishwe emaTfuba ngekweMlandvo (HDP) ekwelekeleleni kukhula kwemabhizinisi e-HDP lakhona nekuletsa tingucuko emabhizinisini langesiwo e-HDP.

TINHLOBO TELUTJALOMALI LWE-BEE 
Inhloso yelutjalomali lwalokuTsengiswa yi-BEE kutfutfukisa lisiko lekonga nekutjala imali. Luhlelo lweluhlanyelomali lwalokuTsengiswa yi-BEE lutawutfola ematfuba lakahle ekutfola luhlanyelomali etinkampaneni Ietibhaliswe e-JSE futsi  lutsi lungawatfola bese luyawatsengisa lamasheya, luwatsengisela ema-HDP ngesephulelo. Loku kutawentiwa kubanjiswene naletinkampani leticondziwe nemacembu e-BEE lafanele, futsi kutawubalelwa kuletindlela tekuhlola inchubo ye-BEE yaletinkampani leticondziwe futsi ticinise blubumbano lwebulingani bebhizinisi ku-BEE.

KUTFUTFUKISWA KWETINDZAWO TASEMAPHANDLENI NEMIPHAKATSI
Inhloso yekuTfutfukiswa kweTindzawo taseMaphandleni neMiphakatsi kwenta  kancono kufinyelela ekusiteni ngetimali netinsita temabhizinisi emalunga emphakatsi laphuye kakhulu nalancishwe ematfuba. Lokugcilwe kuko lapha kusita imiklamo yemiphakatsi neyetindzawo tasemaphandleni, ikakhulu leyo lefaka ekhatsi emacembu ebafati nemadvodza, lusha nalabakhubatekile. Loku kutawuciniseka ingcucuko yangempela lesuka etimphandzeni itindzaweni lebetincishwe ematfuba emnotfo ngekwemlandvo.

INDLELA YEKUKHETSA BANTFU LABAFANE KUTFOLA LUSITO LWABOSOMABHIZINISI
* Lusito lwaBosomabhizinisi lutawusita Bantfu labebakadze baNcishwe emaTfuba ngekweMlandvo (Historically Disadvantaged Persons (HDP). Uma kukhulunywa ngema-HDP kushiwo labo bantfu labebabandlululwa ngalokungafaneli ngekwetinhlanga tabo ngaphasi kwelubandlululo lwelibala futsi leli ligama lisho bonkhe bantfu baseNingizimu Afrika labamnyama (ema-Afrika, eMakhalatsi nemaNdiya).
* Lusito lwaboSomabhzinisi lutawuniketwa emabhizinisi laphetfwe futsi langewema?HDP, ladlala indzima lenkhulu ngekutimisela. Labafaka ticelo bafanele bakhombise kudlala indzima ngekwempela ekutsatseni tincumo esigabeni sebhodi, setiphatsimandla, sekuphatsa nesekusebenta.
* Ema-HDP afanele acabange ngekuba sengcupheni kwangempela kwebhizinisi kute adlale indzima lebonakalako kulomvuzo.  Ngalamanye emagama, imphilo nemphumelelo yema-HDP ifanele iboshelwe ekukhiciteni kwebhizinisini. Bosomabhizinisi bafanele futsi bakhombise kufaka sandla kulebhizinisi, kungaba kufaka imali nobe kufaka sandla ngalenye indlela.
* Lusito lwaBosomabhizinisi lungasita emabhizinisi langesiwo futsi langakaphatfwa bantfu labamnyama kwamanje, kuphela nje uma ngabe e kukhona luhlelo lolubanti lwangempela lolucinisekisa kuphatsatfwa kwebhizinisi ngema-HDP ngesikhatsini lesfanele.  Loluhlelo lufanele lufake ekhatsi silinganiso sekubuketa tingucuko tenkampani leticondziwe, kutfutfukisa emakhono nekuwandlulisa, kanye nekwakha ematfupha ekucashwa.
* Lusito lwaBosomabhizinisi lutawusita kucala bosomabhizinisi nobe emabhizinisi lakhombisa kufaneleka kwalebhizinisi.  Bafanele bakhombise kutsi ibhizinisi ingaphila itfutfuke kufikele ezingeni lekutsi ibuyisele nobe nguluphi lusito lwemali nobe lwemphahla uma isachubeka kwalebhizinisi.
* Lusito lwaBosomabhizinisi lutawusita kuphela labo bosomabhizinisi nemabhizinisi lahambisana nemitsetfo yaseNingizimu Afrika. Emabhizinisi latawusebenta ngaphandle kwemvumo nekubhaliswa, nobe ngekwephula nobe ngumuphi umtsetfo, angeke alutfole lusito.





INDLELA LEFANELE YEKUKHETSA IMIKHICITO


I-GENERATOR
I-ACCELERATOR
I-TRANSFORMER
Bukhulu bebhizinisi
Luhlanyelomali lucala etinkhulungwaneni temaRandi letingu -R250 000 kuye esigidzini semaRandi
Luhlanyelomali lucala esigidzigini semaRandi kuye kuletintsatfu
Lusukela etigidzini temaRandi letingu 3  kuye kuletingu-10. Ngaletinye tikhatsi lomkhawulo ungakhuphuka ufike ku-20
Umgomo lobalulekile
Kuchutjwa kwekwakhiwa kwemabhizinisi lamasha langewalabamnyama futsi laphetfwe ngabo lakhombisa kutsi  angachubeka abe ngemabhizinisi lamancane/lasemkhatsini lemile
Kuchuba kundlondlobala nekutfutfuka kwemabhizinisi lakhona laphetfwe ngema-HDP futsi langewabo ngekuniketa imali/imphahla yekuwakhulisa
Kuchuba tingucuko temabhizinisi ngekuya kwesincumo semnikati, nebaphatsi nekukhutsata kutsi emabhizinisi abe webasebenti.
Tinhlobo tetinhlangano letisitwako
Tinkampani leTincane (Close Corporation (CC) netinkampane tangasese ema (Pty) Ltd. Lapho khona banikati bemasheya babantfu labaphilako

Ema-CC netinkampane letingema-(Pty) Ltd lapho khona bacondzosi batibanzakanya emisebentini nalapho samba semali yebhizinisi ngaphambi kwekuhlanyelwa sisemkhatsini wesigidzi semaRandi netigidzigidzi temaRandi leti-10
* Tinkampani letingekho eluhlwini
* Samba semali sisukela etigidzini temarandi letting-10 kuye kuletingu-50
Tinhlobo temisebenti lebalulekile
* Kutfola imishina nemathulusi 
* Kuniketa imali nobe imphahla lesebentako  
* Imali lebolekwe kwesikhashana
* Kutfola ilayisensi/
ema-franchise
* Kuvuselelwa, kucashiswa nemabhondi lesebentako
Kuhlanyelwa kwemali kusetjentiselwa kakhulu kusita kukhulisa emabhizinsi, kungaba ngekuzuza nobe  ngekuhleleka.
* Kuphatfwa kwekutsengwa kwemasheya ebantfu
* Kuphatfwa kwemphahla letsengwako
* Lokutsengwa basebenti, tinhlelo temasheya ebasebenti
Tinhlobo telutjalomali
* Sikwelede (lesikhokhelwe ngemphahla lenelinani lelihle nalesingakakhokhelwa ngemphahla lenelinani lelihle)
* Intalo yekutsengisa emasheya 
* Sikwelede lesikhokhelwe ngemphahla lenelinani lelisetulu
* Sikwelede lesingaguculwa (lesingaguculwa sibe ngemasheya esikhatsini lesitako)
* Emasheya lanconotwako (banikati bemasheya labanconotwako bahlelwa kucala bangakaholelwa labanye)
* Emasheya
* Sikwelede lesikhokhelwe ngemphahla yelinani lelisetulu
* Sikwelede lesingaguculwa
* Linani lemali  lemasheya lanconotwako
* Imali lemasheya
Kukhokhelwa kwema-HDP  (kufaka ekhatsi imali lehlanyelwe ye-NEF )
Lokungenani-75% wemasheya afanele abe wema-HDP 
Lokungenani-51% wemasheya afanele alawulwe ngema-HDP
Lokungenani-26% wemasheya afanele abekelwe kutsi abe ngewema-HDP 
Imbuyiselo lePhelele lehlosiwe
12%-20% ngemnyaka
15%-20%  ngemnyaka
>20% ngemnyaka



LUHLANYELOMALI LWE-BEE 
* Luhlanyelomali lwalokutsengiswa yi-BEE lucondze kutfutfukisa lisiko lekonga imali lekutsengiswe ngayo emasheya kuma-HDP
* Ngekutfola ematfuba lamahle ekuhlanyela imali lekutsengiswe ngayo emasheya nekuwahambisa neluhlelo lwekufundzisa.  Luhlanyelomali lwalokuTsengiswa yi-BEE lucondze kungenisa lisiko lekonga imali lekutsengiswe ngayo emasheya nekuhlanyela imali imali kuma-HDP.  
* Kutawenta kukhonakale kutsi ngamunye wema-HDP ahlanganyele ngalokubanti  ekubeni neNingizimu Afrika lebumbene kutemabhizinisi. Loku kutawusita ekungeniseni licembu lelisha lebahlanyelimali ku-JSE Securities Exchange
* Luhlanyelomali lwe-BEE lutawakha luphindze lufake imikhicito yeluhlanyelomali kute lunciphise tindleko temisebenti, futsi loku kutawunikwa ema-HDP ngesephulelo
* Ngekusebentisa tinhlelo tekubambisa nekuhlangana nemacembu lafanele e-BEE, imali lebonakalako letfolwe uma kutsengiswa emasheya, lahlanyelwe ingatfolakala etinkampanini letingakhonjwa futsi ngemuva kwekutsengiselwa ngamunye wema-HDP ekutfutfukisweni kwemnotfo lobanti.


KUTFUTFUKISWA KWETINDZAWO TASEMAPHANDLENI NEMIPHAKATSI

Kutfutfukiswa kwetindzawo tasemaphandleni nemphakatsi kwenta imiphakatsi ikhone kutfola emasheya (intalo letfolakala ngekutsengisa emasheya) kumiklamo lengenisa imali letatawutfutfukisa imiphakatsi etindzaweni lebetisalele emuva kutemnotfo, ngekuya kwemlandvo.

INDLELA LEFANELE YEKUKHETSA   
* Kutawusitwa emacembu lafaka ekhatsi ema-HDP
* Tinhlangano temphakatsi nemacembu tifanele kusitwa
* Kutfutfukiswa kwetindzawo tasemaphandleni nemiphakatsi titawucala ngemiklamo letawutfutfukisa kakhulu imiphakatsi.  Loku kungafaka ekhatsi kwakha ematfuba lamasha ekucashwa etindzaweni lebetisalele emuva kutemnotfo, ngekuya kwemlandvo. 
* Kutfutfukiswa kwetindzawo tasemaphandleni nemiphakatsi kutawuhlanyela imali yayo emiklameni lapho khona kunacwepheshe wemklamo futsi kutfole timali kulabanye bahlanyeli timali nalabasita ngetimali.  Kunikwa imali kutawukhawulelwa encenyeni yeluhlanyelomali lwemphakatsi lwemklamo  
* Umklamo ufanele wentiwe ngekubambisana nemlingani kutemabhizinisi lovunywe yi-NEF.





SINYATSELO 1





INDLELA LEFANELE YEKUKHETSA IMIKHICITIO- KUTFUTFUKISWA KWETINDZAWO TASEMAPHANDLENI NEMIPHAKATSI


Bukhulu beluhlanyelomali
Kuhlanyelwa kwemali kucala etigidzini temaRandi letimbili kuya kuletingu-R10 wetigidzi
Umgomo lobalulekile
Kuchuba kuhlanganyela kwema-HDP emiklameni letfutfukisa imiphakatsi, lapho khona kudzingeka umphakatsi ube ngumnikati weluhlanyelomali lapho khona futsi kukhicitwa imphahla yemphakatsi lengenisa imali.
Tinhlobo tetinhlangano
Kute umkhawulo lowentiwe etinhlotjeni tetinhlangano letisitwako
Tinhlobo tetinhlobo temsebenti
Kuniketwa lusito lwemali yemasheya latsingisiwe
Kushiya lokutsite ngco
Kutfutfukiswa kwetindzawo taseMaphandleni nemiphakatsi angeke kusite ngetimali lapho khona kuniketwa kwetindlu kungumphumela walomklamo.



SINYATSELO  1
Kutfola kutsi ibhizinisi idzinga kusitwa kangakanani futsi kukhombise luhlobo lwaloko lokufanele kwentiwe (kusungula, kukhulisa nobe kungenisa imphahla /kukhokhela emasheya ebantfu)

Nobe nguliphi litfuba lebhizinisi lidzinga kusitwa, kungaba yibhizinisi lensha, ibhizinisi letfutfukako nobe nobe yibhizinisi lekhona lefuna kube nengucuko kubuniniyo. Sinyatselo sekucala-ke kutfola kutsi kutawudzingeka lusito lolungakanani. Uma ngabe kutsenga ibhizinisi kumnikati nobe kutfola imali lehlanyelwe ebhizinisini, kudzingeka malini? Uma ngabe kukusita ibhizinisi lekhulako ? kudzingeka malini? Uma ngabe yimali yekucala ibhizinisi ? kudzingeka imali lengakanani kusuka emalini yekucala ibhizinisi kute kufinyelele lapho imali seyitingenela khona nje
SINYATSELO  2
Buta lombuto: ngabe loku lokwentiwa kuloluhlanyelomali kuyahambisana yini nendlela lefanele yekukhetsa?
Luhlelo lokweSekela ibhizinisi lwe-NEF lunendlela lefanele yekukhetsa leshubile. Uyacelwa kutsi wente siciniseko sekutsi wena nelicembu lakho nifanelekile ngekuya kwemibandzela yendlela yekukhetsa yekweSekela iBhizinisi lechazwe kulencwajana.  Uma ngabe awukafaneleki  UNGASIFAKI SICELO
UMA NGABE UFANELEKILE HAMBA KUSINYATSELO 3
SINYATSELO 3
Buta lombuto: ngabe loku lokwentiwe kuloluhlanyelomali kuyafaneleka yini  kulendla lefanele yekukhetsa umkhicito wekweSekela iBhizinisi 
Tetayete umkhicito waSomabhizinisi: iGenerator, i-Accelerator ne-Transformer. Hlola kutsi ngumuphi umkhicito lofanele ngekuya kwebukhulu balebhizinisi loyicabangako, luhlobo lwebhizinisi naletinye tindlela letifanele. Uma ngabe ibhizinisi yakho loyicabangako ayikho emkhakheni lobekiwe ? UNGASIFAKI SICELO
Nobe ngabe-ke uyafaneleka, sicela kutsi ubhale sicelo lesifinyetiwe sekutsi unikwe lusito (bona Sinyatselo 4)
UMA NGABE UYAFANELEKA HAMBA KUSINYATSELO 4
Sinyatselo  4
Letsa sicelo lesisifinyetiwe sekucela lusito
Sikholelwa ekutsini indlela lekahle kakhulu yekucala inkhulumiswano kucela somabhizinisi aletse sibonelo lesifinyetiwe salebhizinisi, lokufaka ekhatsi imitsetfo lefanele nemininingwane lehambisana nayo. Loku kufaka ekhatsi imininingwane lebanti macondzana nebhizinisi, banikati bayo labayiholako nalabayiphetse. Kuyacoliswa kutsi ticelo letingakapheleli ngeke tichutjelwe embili ngako-ke uyakhutsatwa kwenta siciniseko sekutsi sicelo sakho sibhalwe ngalokuphelele. Ngenhlanhla lembi angeke sichube nobe ngutiphi tingcoco nawe lemininingwane ingakaniketwa. Sihlola nobe ngusiphi sicelo futsi utawatiswa ngaso.
SINYATSELO 5
Faka sicelo lesibanti sekucela lusito 
Uma ngabe sicelo sakho sihambisana nemininingwane lefunwa yindlela lefanele yekukhetsa futsi bese kutsi umsebenti lowentiwako uhambisana netinhlobo letehlukene, sitawenta luhlolo lwekucala lwalelitfuba lolumiselwe elwatini lolutfoliwe. Uma ngabe sicabanga lelitfuba njengemerithi futsi kunelitfuba lelihle lekunikwa lusito, sitawukucela kutsi uletse Sicelo sakho lesiLandzisa kaBanti. Lesiphakamiso siLuhlelo Lwakho Lwebhizinisi loLuphelele lolusetjentiswa kuhlola litfuba kabati. Luphindze futsi lukuphocelele kutsi uletse luhlelo lolubanti lokuvamise kuba ngumsebenti lomuhle wanobe nguyiphi ibhizinisi.  

SINYATSELO 6
Hlangana netiphatsimandla tebhizinisi ye-NEF 

Siphatsimandla lesibukene nemadili sitawufundza lesicelo sakho lesibanti kute unikwe lusito bese uchumana bawe ngemibuto aphindze acele lolunye lwati. Ngemuva kwaloko-ke sitawuhlela umhlangano.





