NDE/0023/BL

IMAKETHE EQOTHELWEKO 

Ipahla evezwa yi-NEF inqophe ukusekela umThetho Namba 53 ka-2003 we-BEE, iHlelo leQhinga le-BEE lakaRhulumende weSewula Afrika kunye namakarada wamaphuzu akhambisana nalo. Iphiko lesiQhema namaHlelo wamaBhizinisi le-NEF linqophe ukusekela abosomabhizinisi abancani nabalingeneko nokukhuthaza ituthuko yamabhizinisi. Ngaphezu kwalokho, lipha nemali nepahla yokulekelela ekuthuthukisweni kwamahlelo womphakathi naweendawo zemakhaya. Ukudlula lapho-ke linqophe ukukhuthazela isiko lamasiso alungileko nokuzibekela imali ebaNtwini ababeDimeke amaThuba ngokomLando ( i-HDP ) ngamahlelo ahlukehlukeneko. 

UMVEZO 

Ukumaketha  

Ukusekelwa Kwama-IPO. 

* Ukusekelwa kokungena ku-BEE ukumaketha imali nepahla yokusimelelisa, khulu khulu ku-ALT X. 

Ukukghonakaliswa Kwe-BEE 

* Ukuvulwa kwethuba lokutjhugululwa kwepahla ibe yimali ethengisweni ye-BEE
* Ukwenza iqiniso lokobana kuhlala kunezabelo ku-BEE
* Ukuphumelelisa amathuba wamasiso ku-BEE. 

Okuqothelweko 

* IinKhamphani esele ziNzinzile ze-BEE nemiNyango kaRhulumende efuna iindawo zokubulunga ipahla ezilungileko ze-BEE

Amahlelo Wamaqhinga Abuyiselako 

* Iindawo zokubulunga ipahla ezilungileko ze-BEE
* Ukunqophiswa kwekambiso elungileko emahlelweni amakhulu 
* Ukuba msebenzisani nabasisi bezerhwebo ne-IDC/DBSA
* Umahluleli wezetjhuguluko nokuphunyeleliswa kwemisebenzi ku-NEF 

Isekelo Lezamabhizinisi 

* Ukuveza imali nepahla yokusimelelisa ibhizinisi njengesenzisi sokuphumelelisa 
* Ukusebenzisana nama-DFI nomVikeli womPhakathi

Amasiso We-BEE Wokuthengisela Umphakathi 

* Avulela umphakathi we-BEE amathuba wokuthenga amatjhere ngesaphulelo 
* Yingcenye yehlelo elibuyiselako lalokhuya le-BEE ngamasiso afakwe emakethe yeemali

Isekelo Leendawo Zemakhaya Nelomphakathi 

* Liqalene nokuthuthukiswa komphakathi 
* Limsebenzisana neenhlangano ezenza imisebenzi ekhethekileko 
* AmaBhizinisi waboMma waNgomuso aHlanganyelweko kezeeMali

UKUSEKELWA KWAMABHIZINISI 

Umnqopho wokuSekelwa kwamaBhizinisi kukhuthaza isiko lobubhizinisi hlangana nabaNtu ababeDimeke amaThuba ngokomLando ( ama-HDP ) ukulekelela ukuhluma kwalamabhizinisi esele akhona wama-HDP kunye nokukghonakalisa itjhuguluko emabhizinisini angasiwo wama-HDP.

AMASISO WOKUTHENGISELA UMPHAKATHI WE-BEE 

Umnqopho wamaSiso wokuThengisela umPhakathi we-BEE kukhuthaza isiko lokuzibulungela imali nokusisisa. Ihlelo le-BEE lokuThengisela umPhakathi lizakukhomba amathuba afaneleko wokuvula amathuba amahle eenkhamphanini ezibhalisiweko emakethe yeemali i-JSE ? kunye namathuba wokuthengisela ama-HDP amatjhere layo ngesaphulelo. Lokhu-ke kuzakwenziwa ngokusebenzisana neenkhamphani eziqothelweko kunye neenqhema ezifaneleko ze-BEE, kanti-ke kuzakusiza eenkhamphanini eziqothelwe makarada wamaphuzu we-BEE kubuye kulekelele nekwakheni nekuqiniseni ukusebenzisana ne-BEE.  

UKUTHUTHUKISWA KWEENDAWO ZEMAKHAYA NEKOMPHAKATHI 

Umnqopho weHlelo lokuThuthukiswa kweeNdawo zemaKhaya nekomPhakathi kukwenza ngcono amathuba wokutholakala kweemali zokusiza amabhizinisi ebantwini bomphakathi abachake khulu nabadimeke amathuba khulu. Lapha-ke umnqopho khulu khulu kusekela amahlelo wokuthuthukiswa komphakathi nawokuthuthukiswa kweendawo zemakhaya, khulu khulu amahlelo athinta iinqhema zabantu besifazi, ilutjha kunye nabaqhwalileko. Lokhu-ke kuzakwenza iqiniso lokobana liyenzeka itjhuguluko ebantwini bamambala abangubani nobani eendaweni la umnotho wakhona wawukhatjhelwe ngeqadi uliselelwe phambilini. 

YINI OKUKWENZA ULUNGELWE KUSEKELWA NGESEKELO LAMABHIZINISI 

* ISekelo lamaBhizinisi lizakusiza abaNtu ababeDimeke amaThuba ngokomLando ( ama-HDP ). Ama-HDP atjho abantu ababandlululwa ngokungakafaneli ngenca yombalabo ngaphasi kombuso we-apartheid, kanti-ke leligama linjalo nje liligama elembesa amaSewula Afrika wabaNtu abaNzima woke ( abaNtu abaNzima, amaKhaladi kunye namaNdiya). 
* ISekelo lamaBhizinisi lizakusiza amabhizinisi la kunabantu ababeDimeke amaThuba ( ama-HDP ) abanesandla nelizwi ebunikazini bamabhizinisi kunye nekuphathweni kwawo. Umuntu owenza isibawo sokusizwa ngeSekelo lamaBhizinisi kufuze bona aveze ubufakazi bokuthi nangambala unelizwi elizwakalako eendabeni zebhizinisi leyo ngokuthi aveze ubufakazi bokuthi ukhona ebhodini ethatha iinqunto ebhizinisini leyo, ukhona emkhandlwini ophethe ibhizinisi leyo, ukhona eendabeni zokuphatha kunye nezokuragwa kwayo. 
* Ama-HDP kufuze bona kuthathwe ukuthi asengozini mbala nakazakukghona ukusizakala ngehlelo leSekelo lamaBhizinisi. Lokhu-ke kutjho ukuthi ipilo yama-HDP kufuze bona isime ngomsebenzi webhizinisi leyo. Abosomabhizinisi kufuze nokobana batjengise bona basiza ngani, kangangani ebhizinisini, kungaba kusiza ngeemali namkha ngezinye iindlela. 
* ISekelo lamaBhizinisi lingasiza amabhizinisi angasi ngaphasi kwezandla zabantu abanzima njenganje, kwaphela nakube sekuneplani epheleko etjengisa ukuthi ngemva kwesikhatjhana esincani ukusukela nje azabe selasezandleni zobunikazi namkha zokuphathwa ma-HDP. Iplani leyo-ke kufuze bona iveze nesilinganiso sokulinganisa lokho okuqothelwe ukufikelelwa litjhuguluko lekhamphani, ukuthuthukiswa kwamakghonofundwaa nokudluliselwa kwelwazi lomsebenzi kuma-HDP kunye nokuvulwa kwamathuba amatjha womsebenzi. 
* ISekelo lamaBhizinisi lizakwenyula abosomabhizinisi namabhizinisi akghona ukutjengisa ukuthi ibhizinisi izakubambelela isikhathi emsebenzinawo. Kufuze atjengise bona ibhizinisi leyo ingakghona ukuphumelela kangangobanyana izakukghona ukubuyisela imali eyikweledao ngesikhathi esijayelekileko. 
* ISekelo lamaBhizinisi lizakusekela kwaphela abosomabhizinisi namabhizinisi akhambisana nemithetho yeSewula Afrika. Amabhizinisi asebenza ngaphandle kwamalayisense afaneleko nangaphandle kokurejistara namkha aphambana nemithetho ebekiweko angeze asekelwe.  




    




OKUKWENZA ULUNGELE UKUTHOLA UMVEZO 

IJENEREYIDI 
ISIFUNZAMAFUTHA 
ITRANSIFOMA 
Ubukhulu Bamasiso 

Amasiso athoma ku- R250 000 ayokuphelela ku- R1 million
Amasiso athoma ku-R1 million ayokuphelela ku- R3 million
Ithoma ku-R3 million iyokuphelela ku-R10 million. Ebujameni bezinto obuhlukileko, isilinganiso sokugcina singaphakama besiyokufika ku- R20 million
Umnqopho Omkhulu 
Kukghonakalisa ukuvulwa kwamabhizinisi amatjha azakuba ngewabantu abanzima abe aphathwe ngibo, abe namandla nanethuba lokuba mabhizinisi amancani/alingeneko abambelelako. 
Kukghonakalisa ukuhluma nokuthuthuka kwamabhizinisi esele akhona angaphasi kwama-HDP ngokunikela imali nepahla yokukhulisa amabhizinisi. 
Kkukghonakalisa ukutjhugululwa kwamabhizinisi ezingeni lobunikazi, lokuthathwa kweenqunto nelokulawula, kunye nokukhuthaza ukwandiswa kwabasebenzi ababanikazi. 
Imihlobo Yeenhlangano Ezisekelwako 
IinKhamphani zamaBhizinisi zamalungu alinganiselweko ( ama-CC ) neenkhamphani zangeqadi zomhlobo ekuthiwa ma-(Pty) Ltd, la boke abanamatjhere bababantu bemvelo khona.  
Iinkhamphani ezima-CC nama-(Pty) Ltd la abanqophisi banesandla khona emsebenzini owenziwa wokemalangna, nala ubungako obupheleleko bebhizinisi ngaphambi kwamasiso buhlangana kwe-R1 million ne- R10 million
* Iinkhamphani ezingakabhaliswa emakethe yeemali
* Ubungako obupheleleko buthoma ku-R10 million buyokuphelela ku-R50 million
Imihlobo emikhulu Yokuragwa Kwebhizinisi 
* Ukutholakala kwepahla 
* Ukusekelwa ngemali kwemali nepahla esimelelisa ibhizinisi 
* Imali yokulungelela / yokuhlanganisa 
* Ukutholakala kwamalayisense / amalayisense wokuthengisa ipahla yekhamphani 
* Ukuvuselela, ukuqatjhisa kunye namabhondi aphathelene nokuthi ibhizinisi iraga njani
Amasiso asetjenziselwa ukusekela ngeemali umsebenzi wokukhulisa amabhizinisi , ngokutholakala kwawo amasiso  namkha ngokuzihlumela.
* Ukukhuphana ngokuthengana kwabaphathi 
* Ukuthengwa kwesitoko baphathi
* Ukuthengwa kwesitoko basebenzi, amahlelo wokwabelana ngobunikazi ebasebenzini
Imihlobo yamasiso 
* Isikwelede (Esivikelekileko nesingakavikeleki)
* Ubungako bamatjhere 
* Isikwelede esivikelweko 
* Isikwelede esingatjhugululwa  (singatjhugululelwa ematjhereni ngomuso)
* Amatjhere enyulwako ( abosomatjhere abenyulwako babhadalwa ngaphambi kwabanye abosomatjhere )
* Amatjhere  
* Isikwelede esivikelweko
* Isikwelde esingatjhugululwa 
* Amatjhere enyulwako 
* Amatjhere 
Ubungeno bama tjhere wesiqhema se-HDP (sekubalwa namasiso we- NEF)
Ubuncani bakhona amatjhere ama- 75% kufuze abe ngawesiqhema se-HDP. 
Ubuncani bakhona amatjhere ama-51% kufuze alawulwe siqhema se- HDP
Ubuncani bakhona amatjhere ama-26% kufuze ahloselwe ukuba ngawesiqhema se-HDP. 
Okuqothelweko Sekuphelele 
Iphrofithi Yeemali 
12%-20% ngomnyaka
15%-20% ngomnyaka
>20%  ngomnyaka



AMASISO WOKUTHENGISA WE-BEE 
* Amasiso wokuThengisa we-BEE anqophe ukukhuthaza isiko lokubulunga imali namatjhere hlangana neenqhema ze-HDP. 
* Ngokuthola amathuba wamatjhere afaneleko ahlanganiswe nehlelo lezefundo. AmaSiso wokuThengisa we-BEE anqophe ukufaka isiko lokubulunga amatjhere namasiso eenqhemeni ze-HDP. 
* Azakwandisa amathuba wokungena kwabantu abavela eenqhemeni ze-HDP ekubeni banikazi bamabhizinisi eSewula Afrika. Lokhu-ke kuzakusiza ekuletheni isiqhema esitjha sabasisi ku-JSE Securities Exchange.
* AmaSiso wokuThengisa we-BEE azakutlama abe ahlele ipahla yamasiso ukwenzelela ukwehlisa iindleko zokuraga imisebenzi yebhizinisi, kanti-ke lokhu kuzakudluliselwa eenqhemeni ze-HDP ngesaphulelo.
* Ngehlelo lokusebenzisana nokukhambisana neenqhema ezifaneleko ze-BEE, kungatholakala amatjhere abonakalako eenkhamphanini ezikhonjiweko kunye nebantwini abamalungu weenqhema ze-HDP, bese lokho-ke kukhulisa ihlelo lokuhlomisa abantu ngamandla womnotho. 

UKUTHUTHUKISWA KWEENDAWO ZEMAKHAYA NEKOMPHAKATHI
Umsebenzi wokuthuthukisa iindawo zemakhaya nomphakathi uvulela imiphakathi ukuthola amatjhere ehlelweni lokwenza imali elizakuphakamisa umphakathi eendaweni ezazidinywe amathuba wokuhluma komnotho. 
UKULUNGELA UKUTHOLA ISIZO 
* Kusizwa iinqhema zama-HDP.
* Iinhlangano neenqhema zomphakathi zikulungele ukuthola isizo.
* Umsebenzi wokuthuthukisa iindawo zemakhaya nemiphakathi uzakwenyula amahlelo aqine ngokusiza umphakathi ngokuwuthuthukisa. Lokhu-ke kungabala nokuvulwa kwamathuba wemisebenzi eendaweni ezazidinywe amathuba wokuhluma komnotho. 
* Umsebenzi wokuthuthukisa iindawo zemakhaya nemiphakathi uzakusisisa kwaphela emahlelweni la kunehlelo elisekelako khona nala kunabanye abasisi namkha abanye abasiza ngeemali. Imali ekuzakusizwa ngayo izakuqaliswa kwaphela engcenyeni eqalelela ukusiza umphakathi kilelihlelo.  Amahlelo enziwako kufuze bona enziwe ngokuhlanganyelwa nomunye namkha nabanye abavunywa yi-NEF. 

IINDLELA EZIYISIKA EZENZA UMVEZO/IPAHLA IBE NGELUNGILEKO ? UKUTHUTHUKISWA KWEENDAWO ZEMAKHAYA NEKOMPHAKATHI 

Ubukhulu Bamasiso 
Amasiso athoma ku-R2 million ayokuphelela ku-R10 million
Umnqopho Omkhulu 
Ukuphumelelisa ukungena kweenqhema ze-HDP emahlelweni akhuthazela ukuthuthukiswa komphakathi, la kufuneka khona ubunikazi bomphakathi nala umphakathi wenzelwa khona ipahla engenisa imali. 
Imihlobo Yeenhlangano
Akunamibandela ngemihlobo yeenhlangano ezisekelwako. 
Imihlobo emikhulu Yokuragwa Kwebhizinisi

Ukuqalelelwa kokusekelwa kwamasiso 
Ukutjhiywa Ngaphandle Okunqophileko
UkuThuthukiswa kweeNdawo zemaKhaya nomPhakathi angeke kusekele ngeemali la ukwakhiwa kwezindlu kumphumela wehlelo lokwakha khona. 



IGADANGO 1
Thola iimfuneko zokusekelwa ngeemali kwebhizinisi bese utjengisa ukuthi mhlobobani webhizinisi eragwako ( ibhizinisi esathomako, ekhuliswako namkha ethengako/ethengisako ). 
Nanyana kungaba ngikuphi ukuphambuka okungaba khona kufuna umthombo weemali, nanyana yibhizinisi etja, nanyana yibhizinisi esakhulako namkha esele inzinzile efuna ukutjintja ubunikazi. Ngalokho-ke igadango lokuthoma kuthola bona kuzakufuneka malini. Nakube kufuneka kuthengwe ibhizinisi namkha nakube kufuneka isabelo ebhizinisini, yimalini imali ezakufuneka? Nakube imali ifunelwa ukukhulisa ibhizinisi, kuzakuba yimalini ezakufuneka? Nakube yibhizinisi  esathonywako ingangani imali ezakufuneka ukusukela ekuthonyweni kwebhizinisi bekuyokuba kulapho iimali ziba khona ngokwaneleko? 

IGADANGO 2
Buza umbuzo othi: Umsebenzi webhizinisi oragwa lapha lo uyakhambisana na neendlela ezisetjenziselwa ukuthola ibhizinisi elungele ukusizwa? 
IHlelo lakwa-NEF lokuSekela abosomaBhizinisi lisebenzisa indlela enesandla esiqinileko yokukhetha abalungele ukuthola isizo. Yenza iqiniso lokobana wena nesiqhema sakho nikulungele ukuthola isizo ngokweendlela zokulungela ukuthola isizo  zeHlelo lokuSekela aboSomabhizinisi ezivezwe encwadini le. Nakube awukakulungeli ukuthola isizo ngokweendlelezi, sibawa bona UNGASENZI ISIBAWO SOKUSIZWA.  
KODWA-KE NAKUBE UKULUNGELE UKUTHOLA ISIZO, DLULELA EGADANGWENI 3 
IGADANGO 3
Buza umbuzo othi: Umsebenzi webhizinisi oragwa lapha lo ulungile na ngekambiso yeendlela zokukhetha abalungele ukusizwa ngaphasi kweHlelo lokuSiza aboSomabhizinisi?  
Zijayeze ipahla yabosomabhizinisi: IJenereyidi, isiFunzamafutha kunye neTransifoma. Qala ukuthi ngiyiphi ipahla elungele ukuraga umsebenzi owucabangako; lapha-ke kufuze bona uqale bona yikulu kangangani ibhizinisi ofuna ukuyenza, nokuthi mhlobobani webhizinisi ofuna ukuyenza, bese uqala nezinye iindlela ezifaneleko ezingakusiza kilokhukuhlola. Nakube ibhizinisakho ayizigwcwalisi iimfuneko zokusizwa ezifunekako ? SIBAWA BONA UNGASENZI ISIBAWO SOKUSIZWA. 
Nokho-ke nakube ikulungele ukusizwa ibhizinisakho, sibawa bona uzalise iforomu elirhunyeziweko lokubawa ukusizwa ngeemali ( qala igadango 4). 
NAWUKULUNGELEKO UKUSIZWA, DLULELA EGADANGWENI 4. 
 
IGADANGO 4
Faka isibawo esirhunyeziweko sokubawa ukusizwa ngeemali. 
Sikholwa bona indlela ezidlula zoke yokuthoma ikulumiswana kubawa usomabhizinisi bona alethe umtlolo la ahlathulula khona ibhizinisakhe ngokufitjhazana, sekubalwe nemininingwana yomthetho nekufuze ibhizinisi leyo ikhambisane nayo. Lokhu-ke kutjho imininingwana ezeleko ngebhizinisi, ngabanikazi, ngabarholi kunye nabaphathi bayo. Okubuhlungu-ke kukuthi iimbawo ezingakagcwaliswa ngokupheleleko angeze zasetjenzwa ukuya phambili, ngalokho-ke qiniseka bona isibawo sakho senziwe kuhle saphelela. Angeze sakghona ukukhulumisana nawe ngesibawo sakho isibawo sakhweso singakafikisi yoke imininingwana efunekako kithi. Zoke iimbawo ziyahlolwa, ngalokho-ke uzayithola ipendulo.  

IGADANGO 5 
Faka isibawo esiphelele ngakho koke sokubawa ukusizwa ngeemali. 
Nakufumaniseka bona isibawo sakho siyazigcwalisa iimfuneko zokusizwa ngeemali, kufumaniseke nokuthi neemfuneko zamakoro wemihlobo yepahla ekuzakusetjenzwa ngayo ebhizinisini leyo nazo ziyagcwaliseka, sizakuje sihlola ithuba lokuphumelela ngokusebenzisa  imininingwana esizabe siyitholile. Nakube sicabanga bona kunethuba elihle lokuthi ungasekelwa ngeemali, sizakubawa bona usithumelele isiphakamiso sesiBawo esiPheleleko. Lesisiphakamiso eqinisweni siyiPlani yeBhizinisi esetjenziselwa ukuhlolisisa ithuba lebhizinisi. Ngaphandle kwalokho, sikukatelela nokobana usinikele iplani epheleleko ehlathulula ngebhizinisakho; lokho-ke vele kuhle ebhizinisini nanyana ngiyiphi.    



IGADANGO 6
Bonana nabalawuli be-NEF abaphathelene nomsebenzi weemvumelwana zamabhizinisi nokuragwa kwawo. 
Abalawuli abaphethe umsebenzi weemvumelwana nokuragwa kwamabhizinisi bazakufunda isibawo sakho esipheleleko nesinabileko esibawa ukusizwa ngeemali bese bathintana nawe babuze imibuzo abafuna ukuyibuza, babawe neminye imininingwana. Ngemva kwalokho-ke sesizakubiza umhlangano.  





