zulu.1685.lobolo
ILOBOLO
yizinkomo
ZEMALI
UMPHO LEBOGO ongumkhongi unendlela yokuqala ukuxoxisana ngelobolo. Ubeka inkomishi enamanzi etafuleni. Lokhu kungaphezulu kwamanzi asenkomishini ngokusho kwakhe. "Amanzi abuye abe yimpilo."
Ngokufanayo, ilobolo lisho okungaphezulu kwezinkomo noma imali. Liyindlela yokuhlanganisa imindeni emibili.
Kodwa kuvame ukuthi umndeni kamakoti ufune i-whisky, hhayi amanzi. Ngamanye amazwi, kuwona ilobolo alihlangene nokugcina usiko, liyindlela yokwakha imali.
"Ngokwami amanzi ayimpilo, i-whisky ingukufa," kusho uMpho.
Usiko aluhlali luyisiko. Ukuze luhlale lumile, luyaguquka. Kodwa kwenzekani uma luishintsha luba okunye - njengoKhisimusi osuphendulwe indlela yokumosha imali kunokuthi kukhunjulwe ukuzalwa kweNkosi uJesu?
Ngokwesiko, kwakulotsholwa ngezinkomo kube yinhloko yomndeni kamakoti ezamukela emva kwezingxoxo zamalobolo.
Ukwamukelwa kwalezi zinkomo kwakuba wuphawu lokwakha ubudlelwane obuhle phakathi kwemindeni yomibili kube yisiqiniseko sokuthi umakoti uzonakekelwa.
Ilobolo libuye lenze kube lula ukuthi abagananayo bathole izeluleko emindenini yomibili, kusho uMoses Twala weKara Heritage Institute.
Kodwa esikhathini samanje sekulotsholwa ngemali eningi.
Lolu siko olwaluluhle selwehliswe isithunzi. Emadolobheni nasemalokishini sekulotsholwa ngemali kunezinkomo ezihamba ngezinyawo.
UZwelibanzi Damba waseCape Town oneminyaka engu-29 unengoduso kanti uzolobola ngo- R40 000.
Ngeke alobole ngezinkomo ezihamba ngezinyawo ngoba ekhweni lakhe bahlala elokishini abanayo indawo yokufuya. "Ngokuhamba kwesikhathi kuzolotsholwa ngeMercedes Benz noma idayimane elikhulu."
Kungenzeka ukuthi lezo zinsuku sezifikile ngoba abaningi ilobolo sebelithathisa okwebhizinisi kunokuthi libe yindlela yokuhlanganisa imindeni emibili ngokukaMpho Lebogo.
Uqhamuke nohlelo oluhle lwesivumelwano esibizwa ngeLobolo/Magadi Contract esihlanganisa imindeni emibili ngokosiko nangokomthetho.
UMpho uthi abazali bafuna imali enhle ngamadodakazi abo bebheka isimo sawo, ukuthi afunde kangakanani nokuthi anani.
"Ngiyazama ukubonisa amakhasimende ami ukuthi ngelobolo kusuke kuhloswe ukwakha ubudlelwane obuhle phakathi kwemindeni yomibili hhayi imali," kusho uMpho.
Kodwa izeluleko zakhe abanye abazizwa. Ucwaningo lweHuman Science Research Council luka-2005 lwaveza ukuthi abase-Africa abaningi bavumelana ngokuthi ilobolo liyimbangela yokuthi abantu bagcine bengashadanga. Noma kunjalo, ilobolo lisahlonishwa.
Emakhasimendeni kaMpho kwande abesilisa kanti bakholwa wukuthi kusemahlombe abo ukukhokha ilobolo. "Kodwa uma bebheka imali ebizwayo, babona kufana nokuthi leyo mali bayayilahla!" kusho yena.
Ngabe umndeni kamakoti usithatha kanjani isinqumo sokuthi akukhokhwe leyo mali oyifunayo? "Esikhathini esiningi kubhekwa ukuthi umakoti nomkhwenyana bafunde kangakanani kodwa kubhekwa kakhulu indoda," kusho uMpho.
UMpho uthi kubizwa phakathi kuka-R12 000 no-R25 000.
"Kodwa uma uya e-Eastern Cape naseGauteng uthola ukuthi kulotsholwa ngo-R40 000 kuya engxenyeni yesigidi," kusho yena.
Eminye imindeni ibheka ukuthi inkomo ibiza malini bese inquma inani.
Uma inkomo ibiza R3 000, leso samba basiphindaphinda ngesibalo sezinkomo abazozifuna kumkhwenyana.
Kodwa kubuye kungasizi ngoba izinkomo ziyashiyana ngokwamanani nangobukhulu. Inkunzi yenkomo (enkulu nebiza kakhulu kunezinye izinkomo) ibizelwa ubaba kamakoti.
UMpho uthi kungaba yinkinga
ukulobola ngemali.
Akekho umuntu ongamethemba uma kukhulunywa ngemali. "Abantu baba nomhobholo uma bebona imali," kusho yena. Uthola ukuthi imindeni ethinteka ezingxoxweni zamalobolo ayithembeki emalini ngoba ayikho into eba wubufakazi bokuthi kukhokhwe malini.
"Ngake ngabhekana nesimo lapho umalume kamkhwenyana ayefuna ukunika umndeni kamakoti ingxenye yelobolo elalibiziwe enye imali wafuna ukuba ingene ephaketheni lakhe," kusho uMpho.
Kokunye abakhongi babaleka nemali. Imali ingabuye ilahleke uma isikhishiwe isilinde ukuya ekhweni.
Pho akulotsholwa ngani nge-Internet noma ngesheke? "Lokho ngeke kube lula ngoba imali ingena kwi-account yomuntu oyedwa," kuchaza uMpho.
"Imindeni ayithembani kanti ngeke ithande ukuthi imali iwele ezandleni zomuntu ongathembekile."
Kodwa kukhona enye inkinga uma kungukuthi kubizwe imali enkulu.
"Abantu bashada becwile ezikweletini ngenxa yokubizwa kwemali enkulu," kusho uMpho.
Iningi labesilisa (nabesimame abasiza amasoka abo ekukhokhweni kwelobolo) liboleka imali ebhange ukuze kulotsholwe.
"Kokunye akupheli ngisho nonyaka abantu beshadile indoda isale inesikweleti semali okufanele iyikhokhe," kusho uMpho.
Ngabe yiliphi ikhambi? UMpho ukholwa wukuthi kungaba kuhle uma amabhange nezinkampani zemishwalense ziqhamuka nohlelo lokusiza abantu "ukuze bonge bavikele imali yabo."
Kodwa ubuye athi kumele kushintshwe nendlela ilobolo elithathwa ngayo. "Kumqoka ukuthi abantu bazi ukuthi ilobolo liyini," kusho yena.
"Uma sesazi ukuthi lolu wusiko olumele uBuntu, kuzophela ukuthi lube yindlela yokwakha imali." [z]
Indaba: Sbu Mpungose noBrenda Nkuna
UPHENYO LUKABONA
Laliyindlela yokuhlanganisa imindeni, kodwa esikhathini samanje ilobolo seliphenduke indlela yokukhanda imali - ngenxa yalokho abantu bangena emshadweni becwile ezikweletini. Ngabe lokho kwamukelekile? Ngabe ilobolo selilahlekelwe yisithunzi? Sihlolisisa lolu daba oluyindida...
ISELULEKO SIKA-MPHO NGELOBOLO
Emindenini:
Yibani nolwazi lokuthi ilobolo lisho ukuthini ukuze nenze izinto ngokwethembeka. Khumbula: ilobolo alisiyo indlela yokwakha inzuzo ukuze uthenge impahla yasendlini noma uthole i- deposit yemoto.
Khulumani kabanzi namadodakazi enu ngokuthi yini elindelwe elobolweni.
Gadani izihlobo ezithanda imali nobaba abangabacabangeli abantu abathandanayo abajahe ukuthola imali.
Ungajahi ukusebenzisa imali yelobolo. Umshado uyabiza esikhathini samanje kanti ilobolo lingabasiza abashadikazi.
Kwabazoshada:
Kumqoka ukubonisana ngelobolo nangomshado ngaphambi kokuqhubeka kwezinto. Ngale kuzogwemeka ukungaboni ngaso linye.
Gwema ukuboleka imali yelobolo. Kungcono uyibeke.
Ilobolo aliqedwa. Imali esele ungayikhokha ngokuhamba kwesikhathi.
Zama ukuthola isivumelwano selobolo ngoba sizokusiza uma kunokungaboni ngaso linye.
Uma ufuna usizo lochwepheshe ezingxoxweni zngelobolo shayela uMpho Lebogo ucingo kule nombolo: 076-129-6110. Lolu sizo uyalukhokhela.
Imali yenza imindeni ibe nomhobholo
