zulu.2418.student
Ezezimali
Gwema ukuba yisitshudeni esifakwe ohlwini lwabangakhokhi kahle
indaba nguPATRICIA McCRACKEN
UKUYA ekolishi noma enyuvesi kusho ukuthi uzofunda ukuxhumana nabantu kabanzi - ufunde nokuphatha imali.
Usuzofunwa amabhange nezitolo ngapha nangapha. Ziqaphele lezi zinto ngoba zizokufaka enkingeni!
Ngonyaka, abakwa-ABSA bavulela izitshudeni ezilinganiselwa ku-25 000 ama-accounts. Uma sibheka namanye amabhange amathathu amakhulu kanye namancane, cishe zilinganiselwa ku-150 000 izitshudeni ezigcina zinama-account ngonyaka.
Lezi zitshudeni zingafika nesihlobo noma omunye umuntu ozozisayinela ngesikhathi kuvulwa lama-account zinikwe ama-credit cards. Kodwa akugcini lapho.
Izitolo nazo zithumela abazimele ezikhungweni zemfundo ephakeme kuyengwe izitshudeni ukuze zisayine zibe nama-account. KwaNedbank baze basebenzise izitshudeni zabo ezindala "njengamanxusa" ukuze zidayise iDezign Student Account. Le nto yenza isimo sibe nzima nakulabo bafundi abasebenzayo.
"Abafundi bacwila ezikweletini kanti njengoba abanye besuke bengakasebenzi bayahluleka wukukhokhela izikweleti zabo," kusho uManie van Schalkwyk oyiCredit Ombud.
"Ngenxa yalokho amagama abo afakwa ohlwini lwabangakhokhi kahle bengakawutholi nomsebenzi - kanti ukufakwa kwamagama abo kulolo luhlu kungenza bangawutholi nomsebenzi. Emva kwalokho ngeke bakwazi nokukhokha imali abayikweletayo..."
Kwathi uma kubonakala ukuthi iNational Credit Act ayibasizi ngalutho abafundi abafakwa ohlwini lwabangakhokhi kahle, i-ANC Youth League yamasha ikhala ngalokho. U-Van Schalkwyk ubeke umbono wokuthi lo mthetho mawubasize abafundi abafunda ngokugcwele abangayikhokhi kahle imali ababolekwe yona. Ngokusho kwakhe, abafundi abasebenzayo nabo kufanele bayiphathe kahle imali.
U-Van Schalkwyk uthi amagama abafundi abangakhokhi kahle mawafakwe ohlwini lapho ezobhekwa khona ngabakwa-credit bureau kuphela. Ngale ndlela umfundi ngeke esakwazi ukuthenga kodwa uzokwazi ukuthola umsebenzi ngoba abaqashi bazobe bengazi ngenkinga yakhe.
Kodwa lesi siphakamiso ngeke sisebenze ezikweletini zezingubo, zezicathulo nezinye izinto zokuzithokozisa. Kungcono wenze njengomama kaZinhle Simelane waseKagiso owaqoba ikhadi lakwa-Edgars indodakazi yakhe eyafika nalo ekhaya onyakeni wokuqala ise- technikon!
Ongazisiza ngako wukugwema isilingo sezikweleti ukuze uphile ngokunethezeka. [z]
BONA ZULU - March 2007
Gwema izikweleti
Okwenza uthandeke kwababolekisa ngemali
Amabhange nezitolo ayakulangazelela ukukuboleka imali, akunike ama-credit card namakhadi asezitolo ukuze ube yikhasimende lawo uze unothe.
Bathokoziswa wukuthola inzuzo ngemali oyibolekayo.
Njengoba iNational Credit Act izoqala ukusebenza ngoJune, bazama ukuheha abantu abaningi manje besebenzisa imithetho emidala engabasizi ngalutho abantu.
Uma unesikweleti ohluleka wukusikhokhela, shayela abeNational Credit Regulator Helpline ukuze uthole iseluleko kule nombolo: 0861-100-406;
011-554-2600; www.ncr.org.za.
I-Credit Ombud ingakusiza uma inkinga yakho ingaxazululeki: 0861-OMBUDS (662-847);
www.creditombud.org.za.
BONA - August 2005
