zulu.535.yourstories_invest
INKINGA YESIMO SOMNOTHO
U-LETTI ayikho imali ayibekile kanti akakaze kube khona isamba semali enkulu anayo. Wethemba ukuthi umndeni wakhe usazomsiza uma kukhona isimo esiphuthumayo azobhekana naso.
"Ngaphumelela ukungcwaba amadodakazi ami amabili ngoba isoka lendodakazi yami lakhokhela owodwa kwathi ubaba wendodakazi wakhokhela omunye."
Ngonyaka odlule bekunzima kubantu abaningi ukuthenga ukudla, ukungcwaba izihlobo, ngisho nokuthola imali yokugibela uya emsebenzini.
Abantu bakuleli babhekene nenkinga yokukhokhela izikweletu. Lokhu kubandakanya nokukhokhela amakhadi ezitolo ngisho nezikweletu ezibucayi ezifana nezemizi yabo. Lokhu kungenxa yesimo sokuntenga kwamandla emali esikhona emhlabeni jikelele.
Cishe ikhaya elilodwa kwamane liyathengiswa ngenxa yengcindezi yezezimali ngokusho konguchwepheshe uJohn Loos wezokuthengiswa kwezezindlu kwaFNB. Phakathi nonyaka cishe abantu abangaphezu koyedwa kwabangu-100 abangama-bond holders eSA basemumva ekukhokheni kwabo.
Isibalo sabantu abangama-bond holders ezinyangeni ezimbili ezedlule babhekane nale nkinga ngokuphindwe cishe kathathu.
Le nkinga akuyona eyabahluphekayo kuphela ngoba nabacebile bathwele kanzima. Ngesikhathi isimo somnotho esimbi sihlasela umhlaba wonke sashaya kakhulu iNingizimu Afrika esigabeni sonyaka wesibili onyakeni odlule, abantu abathinteka kakhulu yilabo ababanesikweletu phezulu kwesinye. Bathatha ngesikweletu nangemali ebolekiwe bese belahlekelwa yifenisha, imoto nendlu konke okwakuthathwe ngemali ebolekiwe. Iningi lalezi zikweletu zenzeka ngaphambi kokusebenza kwe-National Credit Act, eyenza kube nzima ukuthi izinkampani ziboleke imali ngendlela engalungile.
Imindeni eminingi isebunzimeni bokukhokha imali yesikole baphinde bakhathazwe wukufakwa ohlwini lwabangakhokhi kahle. Ngokusho kukaPeter Setou oyimenenja eNational Credit Regulator (NRC), cishe uhhafu wabantu baseSA abathatha ngezikweletu usengozini yokungakwazi ukuphinda bathathe ngaso. Lokhu kuchaza ukuthi uhlelo lwabo lokukhokha izimali ezibolekiwe, amakhadi ezikweletu, amakhadi asezitolo, isikweletu semoto nesendlu lusalele ngemumva ngezinyanga ezintathu. Leli zinga likhula cishe ngesigidi sabantu ngonyaka. Njengoba abantu abaningi bezama ukulungisa le nkinga, izinto zikhuphuke kakhulu kubandakana nentengo yokudla, ukulahleka kwemisebenzi kanye nenzalo ephezulu. I-National Credit Regulator, ebhekelela ezokubolekisa iphinde ilekelele nabantu abayisebenzisayo, isibe nezinkulungwane zabantu abasezikweletini befuna usizo kubeluleki bakhona kusho uPeter Setou.
Izithandani zingena ngobuningi bazo zicela usizo ukuze ziqinise ubudlelwane osebuntenga ngenxa yezinkinga zemali, kusho uLiz Dooley we-Family And Marriage Society Of SA (FAMSA).
Ngaphezulu kwalokho, cishe u-100 000 wabantu baseSA bakhahlanyezwe yizinkinga zokukhokhela izikweletu. Amabhange - anikezela ngo-80% emalini yokuboleka nezikweletu ezweni - asenohlelo olusha lokulwa nengcindezi ezinhlangothini zombili. Bazimisele ukukhuluma namakhasimende ahlulekayo ukukhokha imali ayibolekile. Ngokujwayelekile bakunika "i-debt holiday" - okuyisikhathi enivumelane ngaso ngesikhathi bemisa ukukhokha kwakho noma beqhubeza imali oyibolekile behlise ukukhokha kwakho ukuze kube lula.
Inkinga yokwehla komnotho ingaphezulu kokulahlekelwa kwemindeni yizindlu. Ishintsha indlela esiphila ngayo eSA. Ukuze bagcine benayo indawo yokuhlala nabaqoqi bentela bekude nabo, abantu banciphisa lapho benganciphisa khona.
Ngo-April kulo nyaka, i-SA retail sales (kuzozonke izitolo) yehle kakhulu futhi basaqhubeka nokuwa njengoba abantu bezibamba ekuthengeni. Ukwehla komnotho kulimaza nendlela abantu abasebenza ngayo. Abantu bakhiqiza kancane uma abantu bethenga kancane, lokhu kulimaza ukuthuthuka komnotho, kusho uMantshimuli ongusomnotho e-Liberty Life.
Izikhathi ezinhle ebesizijwayele kungenzeka zingaphinde zibuye. Ungqongqoshe omusha we-planning e-SA, uTrevor Manuel, kudingeke ukuba ashintshe indlela yokuhlela yeminyaka emithathu kuya kwemihlanu ukunika iSA isikhathi sokubuyela esimweni esejwayelekile. UTshediso Matona, umqondisi jikelele womnyango we-Trade And Industry, usecele bonke abasebenzi abadilizwa ukuba bahlangane basebenzisane ukuze bavule amafemu basize izwe ukuba lisimame. Kodwa siseduze isikhathi esizoba ngcono kusho uJohn Loos, uthi siyangokuswela kakhulu manje kunaseminyakeni edlule. Abantu abangenza umehluko kungaba uwena, amalungu omndeni wakho noma abangani bakho bakudala basesikoleni. Sikhuluma ngalabo ababizwa ngama-Black Diamonds. Yilaba abasakhula, abase-Afrika abamnyama abanezifiso ezinkulu abazitholele imisebenzi emikhulu enemali engcono abaziyo ukuthi izimpilo zabo zizoqhubeka zibe ngcono.
Bangu 57% abase-Afrika abamnyama cishe abangabahwebi kwa-FNB, kusho uRobert Keip ongumphathi we-investment ebhange.
Abahwebi abamnyama abasebasha - baneminyaka ephakathi kuka-25 no-34 - bafundile. Ngokocwaningo lwabakwaCapitec Bank sisazokwanda isibalo sabo ngoba abaseSA abasebasha abane kwabahlanu (abaneminyaka ephakathi kuka-17 kuya ku-23) bafisa ukuhlanganisa iminyaka engu-30 behola u-R10 000 ngenyanga.
Bangaphezulu kwengxenye abaneminyaka engu-17 kuya ku-23 abathi wukuzinza ngasemnothweni okumqoka kakhulu ekusaseni labo kunokushada bathole abantwana noma ukuphila impilo entofontofo.
Okwamanje yenza noma yini engakusiza njengoba sisabhekene nalesi simo. Ngesikhathi uTrevor Manuel ethula isabelo-mali sakhe okokugcina ngci ngoFebruary kulo nyaka wathi: "Liduma lidlule." [z]
Indaba nguPatricia McCracken
Ukuthola usizo ngesikweletu emabhange amakhulu, xhumana nabe:
ABSA Customer Debt Repair Line, 0860-356-356;
FNB Debt Review Centre,
0860-362-002;
National Credit Regulator
Help Line, 0860-627-627;
Nedbank Debt Rehabilitation
And Recoveries Services,
0860-109-279;
Standard Bank Debt Review Division, 011-641-6281.
Olunye ulwazi: Banking Association of SA; Moneyweb; Beat The Crunch! nguCharl Ten Oever (Two Dogs); The Credit Crunch nguGraham Turner (Jacana); www.iol.co.za; www.statssa.gov.za
UCWANINGO LUKABONA
Abantu bazama ngawo wonke ama-ndla ukonga
ESIKUSHOYO MAYELANA NENKINGA YOKUKHOKHWA KWEZIKWELETU
"Zixabanise imindeni."
"Ngayeka umsebenzi ngingakaziqedi izikweleti zami kanti manje inzalo yazo ilokhu ikhuphuke njalo."
"Angizikhokheli kahle izikweletu zami ngoba angisebenzi."
"Umama ungisiza ngokungithengela ukudla ukuze ngibe nemali yokukhokhela izikweletu."
"Sibatshela ukuthi sizobakhokhela uma sesithole umsebenzi."
"Sisebenzisa imali yabazali bami ukuze sikhokhele isikweletu sakwaJet."
"Kuba sengathi nguJanuary nyanga zonke."
"Omashonisa bahlale befuna imali yabo nenzalo kanti leyo nzalo ngabe iyona ekusiza kwezinye izinto - basibuyisela phansi."
