Challenges (Maize)									isiXhosa
Imiceli-mingeni yemali kulawulo lweefama
Folio strap: Ulawulo
Byline: Ulwazi luhlanganiselwe ukusuka kwincwadi yoqeqesho yoLawulo lweeFama ukwenzela iiNzuzo nguMarius Greyling
Ukuze kubekho inzuzo ishishini lokufama maliqale linike iimveliso ezifunwa ngabaxumi. Emva koko, ukuze ulawulo lweshishini lokufama lifumane inzuzo kufuneka lisoloko liziphucula ngokuhamba kwexesha.
Iimfuno zabantu 
Ukusuka ekudalweni komntu, umntu waba soloko enezinto azifunayo ukuze aphile. Ukutya soloko kusisidingo esisiseko, kunye nempahla yokunxiba nekhusi ngokunjalo. Ekuqaleni umntu bekufuneka ehlangabezene neemfuno zakho ngokuzingela, ngokuvuna izityalo kuhlaza oluzikhulela endle, azenzele impahla yokunxiba yakhe aze ahlale emiqolombeni. 
Uthe xa umntu eqhubela phambili neemfuno zakhe nazo zaqhubela phambili zaza zafikelela kwinqanaba eliphezulu leemfuno zanamhla. Kwakhona umntu uqhubele phambili ukusuka ekuziphiliseni ukuya ekuthengiseni izinto ezininzi ezidingwayo. Xa sithetha ngokubanzi kakhulu amashishini ehlabathi exesha lanamhla anikela ngazo zonke izidingo zomntu ukuze afumane imali.
Ngoko ke, namhla sifuna imali ukuze sitshintshiselane ngayo ukufumana zonke izinto esizidingayo. Njengabantu imali sinokuyifumana ngokuyisebenzela ukuze sifumane inzuzo. Kuphakathi kokuba uzisebenzele okanye kubekho umntu okusebenzelayo. Ukuba ukhethe indlela yokuzisebenzela ngokwakho, njengokuqhuba ishishini lokufama, ishishini elo kufuneka libe nempumelelo ngokwasemalini. Ngokwesiseko sezolimo impumelelo isekubeni ishishini linikele ngemveliso/ngeemveliso ezifunwa ngabantu ukuze umnini-shishini afumane ingeniso.
Kuxa ishishini lifumana inzuzo kuphela apho umnini-shishini efumana khona ingeniso (umvuzo). Ukuba kukho ilahleko, umnini-shishini akafumani ngeniso.
Ingeniso nenkcitho
“Iimfuno” ezinikwa ngamashishini “zithengiselwa” abathengi. Imali efunyenwe ngokuthengisa iimfuno yingeniso yeshishini. 
Ngethuba lokwenza imveliso nelokunikela ngeemfuno ishishini lifumana iindleko okanye iinkcitho ezithile. Ezi nkcitho zingahlulwa ngokwamaqela ahluka-hlukileyo:
Iindleko zokukhupha imveliso – imbewu, isichumiso, izitshabalalisi zezinambuzane, amachiza, iindleko zokuvuna nokuthengisa.
Iindleko zokusebenza – iindleko zokubhanka, iindleko zeofisi, ezezibalo – neendleko zothutho.
Iindleko ezisisigxina – zezithuthi, imivuzo yabasebenzi abasisigxina, iindleko zokuthotywa kwamaxabiso neze-inshorensi. 
Iindleko zemibandela yangaphandle – inzala ekwiimali-mboleko, imivuzo yomphathi nerenti yokuqesha umhlaba. 
Iindleko ezipheleleyo ziyingqokelela yazo zonke ezi ndleko. 
Inzuzo/ilahleko
Inzuzo iyingeniso engaphezu kweenkcitho ezisisixa esipheleleyo.
INGENISO - IINKCITHO = INZUZO/ILAHLEKO
Okanye ngokwemigqaliselo yezolimo:
INGENISO (IXABISO LEMVELISO ELIPHELELEYO) – IINKCITHO ZEMVELISO = UMAHLUKO KWISIXA ESIPHELELEYO – IINDLEKO ZOKUQHUBA ISHISHINI & EZISISIGXINA = INGENISO YEFAMA ENGASAPHELELANGA – IINDLEKO ZEMIBANDELA YANGAPHANDLE = INZUZO YEFAMA 
Abamkeli bamaxabiso nomceli-mngeni
Kwinkqubo esisiseko yokukhupha imveliso abalimi bangabamkeli bamaxabiso malunga nengeniso (ixabiso) nangokwenkcitho. Zombini, ingeniso neenkcitho ziyanda ngokuhamba kwexesha, kodwa ngokwamanqanaba ahluka-hlukileyo. Enyanisweni uJ. Willemse unike ingxelo kwi-Landbouweekblad yowama-26 Matshi 2010 ukuba kowama-2009, xa kuqwalaselwa ishishini lezolimo (lokufama) ngokuphelela kwalo, ingeniso inyuke nge2,6% kuphela ngonyaka lo gama iinkcitho zinyuke nge8%. Ezi pesenti zahluka ngokonyaka kodwa zidale okubizwa ngokuthi lucidiso lweendleko-maxabiso. Xa kuqwalaselwa ucudiso lweendleko-maxabiso kwiminyaka eliqela lunokwalathwa ngokweSazobe 1. (Imithombo yolwazi: Willemse, J. 2010, Resessie sweepslag knyp Landbou. Landbouweekblad: 26 Maart 2010).
Isazobe 1: Inzuzo, ilahleko neqondo lolungelelwaniso
 0+											 Iindleko
									 Ilahleko
								 			Ingeniso
R								 
 	Inzuzo
 Iqondo lolungelelwaniso
 0 
Iminyaka (Ixesha)
Xa indlela ezenziwa ngayo izinto efama zihlala zinjalo ngonyaka emva komnye, isithuba esiphakathi kwengeniso nenkcitho siya kuvaleka ukuze kuye ngokuba nzima kangako ukwenza inzuzo. Ngokuphathelene nengcinga ngemali kufuneka ukuba ulawulo lweshishini lokufama lisoloko liphucuka ukuze kufumaneke impumelelo kwezemali.
Oku kunokwenziwa ngokunika ingqalelo enzulu nenganqunyanyiswayo ukuze kuphuculwe ulawulo lwemimandla eyahluka-hlukeneyo yolawulo lweshishini lokufama. Injongo mayibe kukugcina ingeniso ingaphezulu kwiinkcitho ithuba elide, njengoko kwalathiwe kwisazobe 2. 
Isazobe 2: Umceli-mngeni
 0+ 
											 Ingeniso
R								 
 Inzuzo	Iindleko
 0 
 Iminyaka (Ixesha)
Asingomsebenzi olula kumphathi wefama xa kuthathelwa ingqalelo yonke imibandela ephembelela ishishini lakhe engaphaya kwamandla akhe. Lo ngowona mceli-mngeni kwishishini lokufama. Enyanisweni umntu makasoloko eqwalasela iimpembelelo zemali ngokwemigqaliselo yengeniso neenkcitho zayo yonke into eyenziwayo okanye engenziwayo ngokwemigqaliselo yeshishini lethu.
Isiphetho
Elokuphetha, ukuze ishishini lokufama libe nenzuzo kufuneka linikele ngazo zonke iimveliso ezifunwa ngabaxumi. Emva koko, maligcine iinzuzo ezilondolozekayongokuthi ulawulo lweshishini lokufama lisoloko liziphucula ngalo lonke ixesha.
