UMPHANDLE
UBOMI BAKHO
IMIBA
USHICILELO
IZALATHISO
URHULUMENTE
IITHENDA
IMISEBENZI
Malunga
Qhagamshelana
Uncedo
Funa nzulu
Umphandle
Izalathiso
Amaphulo
Ushishino & Noqoqosho
Amashishini Amancinci
Izithembiso Zekhulu Lokuqala Leentsuku: Ikhaya Elinempumelelo Kumntu Wonke
Izithembiso Zekhulu Lokuqala Leentsuku: Ikhaya Elinempumelelo Kumntu Wonke
ISIQALO:
ISIPHELO:
UMGANGATHO:
Liqoshelisiwe
INKCAZELO:
Amashishini aya kukhuliswa kwezi ntsuku zokuqala zilikhulu:
Ngokuthi kuncediswe ngenkxaso-mali eyongezelelweyo iNgxowa-mali Yophuhliso Lwamashishini Enene
Ngokusekwa kwephulo "lokufukama" amashishini amancinci
Ngokuxhaswa kwamashishini namaphulo ezotyelelo
INGXOWA-MALI YOPHUHLISO LWENENE LWAMASHISHINI (iRED)
Ukufikelela kwinkxaso-mali yenye yezona ngxaki zinzima amashishini amancinci ajamelana nazo. Amaziko asebenza ngemali aneemfuno ekunzima kakhulu kumashishini amancinci ukumelana nazo ekufumaneni iimali-mboleko, zisoloko zifuna ukhuseleko, olufana nempahla eqingqiweyo nemileyo efana nezakhiwo.Kodwa ke abanini-mashishini nabo baseza kuba ngabanini-mashishini basoloko benempahla engafikeleliyo kuleyo idingwa ngala maziko futhi bengenanto yakuyinikezela njengokhuseleko lwalo mali-mboleko. Ukungabi nankxaso-mali ngumba onzima kakhulu kuleyo ivala amathuba okufumaneka kwalo nkxaso-mali kumashishini amatsha amancinci, aphakathi, nasakhasayo.
Isebe Lezimali, Uphuhliso Loqoqosho Notyelelo lizibekele umsebenzi wokuhlanganisa ubuncinci amashumi amahlanu ezigidi zeerandi ngonyaka kule minyaka mithathu izayo ukuze kusekwe ingxowa-mali yeemali-mboleko (ebizwa ngokuba yi-"RED Finance") neya kubonelela ngenkxaso-mali kumashishini amancinci, aphakathi nasakhulayo angafikeleliyo kumanqanaba abekwe ziibhanki namanye amaziko asebenza ngokubolekisa ngemali ukuze abe nokufumana iimali-mboleko kwezona bhanki namaziko ezimali makhulu, kodwa enezicwangciso zoshishino eziqiqileyo nezinokuphumelela. UMphathiswa uLynne Brown uqokelele wadibanisa ngempumelelo amashumi amathathu anesihlanu ezigidi zeerandi ngokukonke esenzela ingxowa-mali yeRED Finance kweli khulu leentsuku zokuqala.
Okufunekayo phambi kokuba ube nokufumana imali-mboleko kwiRED Finance kukuba loo mashishini aya kuxhamla azimase inkqubo yeengcebiso nophuhliso lwezakhono eyenzelwe amashishini amatsha nabanini-mashishini abasakhulayo. Oku kuya kunceda amashishini athi abonelelwe ngenkxaso-mali ukuze abe nokukwazi ukumelana neenzima zoshishino - ze futhi akwazi ukuhlawula iimali-mboleko zawo.
Eli Sebe liya kuthi lizimanye nephulo eliluqilima lokukhuthaza amaziko abolekisa ngezimali ukuba atshintshe iimfuno zawo zemigangatho yokufumana iimali-mboleko ukuze amanye amashishini amancinci, aphakathi nasakhulayo abe nokufikelela kwiimali-mboleko eziqhelekileyo.
IPHULO LOKUFUKAMA AMASHISHINI
Iingcali ziqikelela ukuba malunga nesixhenxe kumashishini alishumi elinesibini eMzantsi Afrika awaphumeleli. Ngelixa ezinye zezizathu zoku zinokuba kukungafumani nkxaso-mali yaneleyo, enye yezona zizathu inokuba kukungafumani zingcebiso nankxaso ifanelekileyo.
Ukusombulula le ngxaki, abameli bamahlakani amane oluntu aseNtshona Koloni, Uluntu Ekuhlaleni, Abasebenzi, Amashishini noRhulumente, bafikelela kwizigqibo kwiNkomfa Yephondo Engokukhula Nophuhliso eyayibanjwe ngenyanga yeNkanga ngo-2003, ukuba beze nenkqubo eya kuba phantsi kweliso elibanzi yokunceda ikhulu lamashishini amancinci, aphakathi nasakhulayo asele ekho ukuze aphumelele ngokuwanika iingcebiso nenkxaso enzima nenzulu - ebizwa ngokuba "kukufukama".
Eli phulo lisavavanywayo lasekwa ngomhla weshumi elinanye kwinyanga yeThupha ngo-2004 nguMphathiswa Wezimali, Uphuhliso Loqoqosho Notyelelo, uLynne Brown. Amashishini alikhulu elineshumi elinesibhozo akhethwa kwiphondo lonke ukuba ukuba athabathe inxaxheba kweli phulo, isithathu ekhulwini kuwo sabe siphantsi kobunini bamanina ze isine ekhulwini sibe sesolutsha, ngelixa i17% lisemaphandleni. Eli Sebe liya kuchitha isigidi esinamakhulu amabini amawaka eerandi ekucebiseni nasekuxhaseni la mashishini. Ishishini ngalinye liya kunikwa umcebisi kwezoshishino oya kuba nalo isithuba sexesha elingaqingqwanga. I-National Productivity Institute (NPI) nayo kungoku nje iyaqashwa ukuze ihlola-hlole ishishini ngalinye. I-NPI le iya kuthi iqulunqe ingxelo yenze neziphakamiso ngeshishini ngalinye, ze futhi ichonge iimfuno ezifanayo kumashishini onke.
Le nkqubo iya kuthabatha malunga neenyanga ezintathu. ISebe eli nalo liya kuthi linikezele ngeethenda kuloo mashishini anikezela ngeenkonzo anokuba nakho ukunikezela ngezi mfuno zifanayo zala mashishini.
UKUXHASWA KWAMAPHULO OSHISHINO KWEZOLIMO, IMFUYO NOTYELELO
Isebe Lezimali, Uphuhliso Loqoqosho Notyelelo lichitha ishumi lezigidi zeerandi kumaphulo oshishino lwezolimo kwiphondo eli lonke, njengoko yathembisa iNkulumbuso, njengokuba sekunikezelwe imali ephantse ifikelele kwisithandathu sezigidi zeerandi kwiphulo lezotyelelo nje.
Amaphulo oshishino lwezolimo kwakujoliswe kuwo ngokubhekiselele kwimigaqo nemimiselo ye-Ikapa Agribusiness Fund, ejoliswe ekusekweni kwamashishini ezolimo amatsha naluphakamisa ngempumelelo uqoqosho kwiindawo zabantu abahlelelekileyo.
Amaphulo oshishino lwezolimo ngala:
Isixa-mali esibalelwa kwisine sezigidi zeerandi sanikezelwa njengengxenye yesabelo sohlahlo-lwabiwo mali lonyaka-mali ka-2004/2005, futhi esinye isigidi esinamakhulu asibhozo namashumi amahlanu amawaka eerandi sinikezelwe yiDevelopment Bank of South Africa (DBSA) kweli phulo. Malunga namashumi amathathu anesithandathu amashishini amancinci, aphakathi nasakhulayo aya kuxhamla kule nkqubo, amashumi amabini anesibini kuwo sele echongiwe.
Ukubuyela Kwizithembiso Zekhulu Lokuqala Leentsuku: Ikhadi Lengxelo
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Ilungelo Lobunini
