20 BONA XHOSA - JuIy 1999
Uyandithanda, akandithandi: ngamazwi la anentsingiselo entsha kumabhinqa eli lizwe njengoko uninzi lwawo luyilahle kwesinomhlwa into yokuba ibhinqa alikuzicelela uthando kwindoda eliyibona inomtsalane - kodwa ngathi kusenzima kumabhinqa eli ukuziqhelanisa nalo mba
Enye indoda yaseMzantsi Afrika eyaziyo indlela isizukulwana esitsha samabhinqa esingonqeni ngayo ukuzitshololo ngumenzi womdlalo othandwayo kambonakude othi Generations , uMfundi Vundla. Yena nenkosikazi yakhe uKaren badibana ngelixa eseYunivesithi yaseMassachuetts eBoston eMelika .
Kwathi emva kweminyaka emihlanu sithandana, uKaren wacela umtshato -ndamangaliswa ndangazi
ukuba
Uthando lwaphesheya kolwandle lwala maxesha - uMfundi Vundla, ongumbhali weGenerations , wayemangalisiwe xa uKaren ecela umtshato ... kodwa lo nto zange imenze angavumi!
mandithini kodwa ndavuma kwangalo mzuzu! ukhumbula atsho uMfundi. Yayibubusuku obupholileyo behlobo kwaye sasisendaweni ethandekayo yePikniki eBoston xa ndamcela ukuba anditshate. Wayothukile kodwa wavuma! Nangona yayilixesha elimnandi, zange kubekho mibhiyozo, utsho uKaren .
Sebeneminyaka engama-20 betshatile ngoku kwaye banabantwana ababini, uCharies , oneminyaka eli-16, noZoleka oneminyaka emithathu.
Kodwa umahluko ngowokuba uKaren ungumAfrika waseMelika . Ngaba wayengazicelela umtshato ukuba
ebengowaseMzantsi Afrika? Ngokuqiniseki leyo ubengenako xa usiva okutshiwo
nguSibongile Mgudlwa onama-28 eminyaka. lo msasazi owaziwayo woMhlobo Wenene uthi nokuba indoda ingathandeka ifaneleke kangakanani, andisoze ndizicelele uthando kuyo. Isiko lakowethu nendlela endikhuliswe ngayo ayindivumeli ndenze lo nto.
Andisokuze ndizicelele uthando endodeni, utsho uTobile Zwane.
Kutheni le nto kufanele ndingazivakalisi:
iimvakalelo zam? Izinto ezintle zinqabile! uhleka atsho uNaomi Mokhele.
Ingaba amabhinqa aseMzantsi Afrika azithembe ngokwaneleyo ukuba alandele
ekhondweni lamabhinqa aseMelika azicelele uthando okanye azicelele umtshato? UPONKO MASIBA uphanda
nzulu ngalo mba
OKONA
KUTHANDWA NGABASETYHINI
Nditsho nasemaphupheni, andisokuze ndizicelele uthando endodeni, utsho uSbosh. Ndiza kuyilinda ibe yiyo ecela uthando kuqala size siqhubeleke apho. Ukuba ayiluceli thando -lilishwa lam.
Kutheni lento kunzima kumabhinqa aseMzantsi Afrika ukucela uthando emadodeni?
Isiko, ubudala, imbeko, ikratshi, ukoyika nokungafunwa zezinye zezizathu eziwathintela ukuba angaziceleli uthando emadodeni, itsho inkoliso yamabhinqa.
Amanye abe neentloni zokutsho izimvo zawo kwiBONA, kodwa akho abazibekileyo ezawo.
UMbongeni Mhlophe onama-28 eminyaka oyi-art director kwenye yemagazini , uthi ibhinqa elizicelela uthando kuye lingamphelelisa ngomdla
Nokuba ndilithanda kangakanani,
kufanele lilinde ibe ndim ozibika kuqala
- emva koko lingandivuma ke. Xa lingandicela kuqala, ndingalibona ngenye indlela nembeko ebendimnika yona ngokuqinisekileyo ingaphela. Okanye ndisemva, kwazi bani!


UGodfrey Devulana onama-28 eminyaka ongumsasazi weDurban Youth Radio uthi into elungele indoda ikwalilungele nebhinqa.
Amabhinqa athanda ukuvakalisa iimvakalelo zawo ngendlela engasiyiyo, ungafika ibhinqa usela nalo kakhulu into elandelayo nizibone sele nisebhedini nobabini - oko akwenza kuba engalinikwa ithuba lokuvakalisa iimvakalelo zawo ngokukhululekileyo. Yintoni embi xa unyanisekile?
BONA XHOSA - July 1999 21





OKUTSHIWO
NGAMADODA
UThabang Mutwa onama-24 eminyaka uthe:
Andivumelani nomba
wamabhinqa enza umsebenzi wamadoda.
Njengendoda yomZulu
ndiyasihlonipha isithethe sam kwaye isithethe sam asindivumeli ukuba ibhinqa
licele uthando kum. Jonga into eyenzeka kuBrenda noNhlanhla
- umtshato wabo zange uhlale neenyanga ezintathu kwaye zange babenabo nabantwana. UBrenda wambhatalela ilobola
- yayingalunganga loo nto. Umtshato wabo wawungasikelelwanga kuba wawungenziwanga ngokwesithethe sethu.
UNomvuyo Shabangu onama-26 eminyaka nongunontlalo-ntle uthe: Akanangxaki ngamanye amabhinqa azicelela uthando emadodeni, kodwa uyavuma ukuba kuye kuya kusoloko kunzima.
Ngaphandle kokuba uluntu lutshintsha iimbono zalo ngalo mba, ndiza kusoloko ndinje. Abantu bafanele baqonde ukuba akhona amabhinqa aza kuzicelela uthando - akufanelanga bacinge ukuba uziphethe kakubi okanye ukuba awuzithandi xa uzicelela endodeni.

UTobile Zwane oneminyaka engama-25: Uyavuma ukuba angekhe azicelele uthando endodeni. Nokuba ndiyithanda kangakanani na, andinakuzicelela uthando. Ukuba lubambo lwam, uza kuvakalelwa ngokufanayo nam, ukholelwa njalo uTobile. Kutheni le nto kufanele ndizicelele uthando endodeni ibe inokundijikela ihambe ixelela wonke ubani ukuba ndizicelele?

Uphumi Tshabalala onama-23 eminyaka uliGosa loNxibelelwano kwapetronet : Abanye abantu bacinga ukuba lihlazo ukuba ibhinqa lizicelele uthando endodeni, kodwa amaxesha atshintshile nathi kufanele sitshintshe .
Andiboni hlazo ebhinqeni elizicelela uthando. Ndineqhayiya ngam kuquka nendlela endivakalelwa ngayo, nkqu nemvakalelo yothando. Ungandithathi kakubi kodwa. Ndiyalihlonipha isiko lam, kodwa apho kufanele ndibonise iimvakalelo zam, ndim ozilawulayo kwaye ndizenzela isigqibo.

Ujohanna Mamaregane onama-23 eminyaka oligosa lerhafu eSouth African Revenue Services ukholelwa ekufumaneni into ayifunayo. Ukuba uyamthanda kutheni kufuneka uzulise? Ekugqibeleni nguwe ohluphekayo. Luthando olubalulekileyo! Ngubani okhathalele ukungamkelwa kwesicelo sakhe! Ukuba kuyenzeka oko, makwenzeke.
U-Anita Canthitoo onama-25 eminyaka nongumphathi kwasupercare Cleaning :
Andinangxaki ngokuzicelela uthando kwindoda endiyithandayo, utshilo eqinisekile.
Uthi nguye owavakalisa imvakalelo zakhe kuqala xa wayedibana nendoda athandana nayo ngoku. Seyingunyaka wesibini lo sithandana kwaye sisathandana njengakuqala. Ndikholelwa ukuba xa ndimthanda umfana, kufanele ndimxelele indlela endivakalelwa ngayo.
Ndiyenzile loo nto ngaphambili, kodwa zange isebenze ngenxa yokuba loo mfana akazange andikholelwe, utsho uAnita . Ndiqaphele ukuba amadoda amaninzi acinga ukuba amabhinqa angaphantsi kwawo - alindele ukuba siwalinde acela uthando. Amadoda kufanele atshintshe iimbono zawo ukuze asiphathe ngokulinganayo nawo - njengabantu abavakalelwayo nabangenokuvakalisa izimvo zabo xa kufanelekile.
Unaomi Mokhele onama-27 eminyaka oyiMedia Relations Officer kuSABC1 uthe: Nangona ndilihlonipha isiko lam malingandithinteli ekuthandeni umntu endimthandayo.
Kuye, uthando luyinto yonke. Ukuba ndineemvakalelo zothando ezimandla ngomfana ndingalucela uthando kuye, utsho uNaomi . Kutheni le nto kufanele ndingazivezi iimvakalelo zam? Kuyo yonke lo nto, izinto ezilungileyo kumabhinqa, ingabi
ngamabhinqa azicelelayo
uthando. Ukuba ibhinqa
	lenza njalo, alinambeko
 	kwaye ngekhe ndilihloniphe.
	Angandenza
	ndingakhululeki kwaye naxa
	sesitshatile ngekhe
	ndimthembe. Ukuba
	kungenzeka ndingabikho
	ekhaya, yintoni
	enokuqinisekisa ukuba
	akanakucela uthando
	kwenye indoda!

24 BONA XHOSA - July 1999
ababolekisi ngemali abathath'entweni ixabiso labo lenzala bayalehlisa liye kutsho kwi-14% ngenyanga okanye i-169% ngonyaka. Kubabolekisi ngemali abasakhasayo inzala iyahluka ide ibe nkulu kangangokuba maxa wambi ayaziwa.
Oku kuthetha ukuba ngonyaka ungaqabuka sowuyibuyise kali-10 okanye kali-12 imali obuyibolekile. Kubalulekile ukuqonda enoba inzala abaza kuyifuna yeyenyanga na okanye yeyonyaka.
Sixhalabile yinzala efunwa ebantwini kwaye siqulunqa indlela yokulawula inzala kumashishini abolekisa ngemali , utshilo osisithethi seSebe loRhwebo Noshishino. Ngenxa yemiqathango kwiUsury Act esebenza nqoku lo asingomsebenzi olula.
Nakuba
inzala kwiibhanki ezisemthethweni iluncedo kwaye iphantsi kubathengi, ngelishwa akuzizo zonke ezizimisele ukubolekisa ngemali nakubani na ingakumbi xa iyimali encinane. Kodwa
abathengi kufuneka bayilumkele imali eyinzala efunwayo nengekho mthethweni kodwa kukwafuneka baqaphele kuba abanye ababolekisi ngemali abasakhasayo bophula umthetho ngezinye iindlela.
Urhulumente uyaqonda ukuba abantu abaninzi bangene ematyaleni abanokukwazi ukuwahlawula kwaye ukwaqwalasela iindlela ezinjengokufundisa ezikolweni nokumisela iinkonzo zabaluleki ngamatyala. Kodwa okwakalokunje nguwe ekufuneka uzikhusele uzixelele kangangoko.
Nanga amabali abantu ababini endithethe nabo kodwa abathandanga kwaziwa nabaye baqhathwa bejongile.

CINGA PHAMBI KOKUBA WENZE
Umama wabantwana ababini oselula
Zama ukuphepha oomatshonisa uze ungaqabuki sewuhlawula
inzala eninzi yemali obuyibolekile!
nosebenza egaraji njengomthengisi
wepetroli ukhathazekile emva kokuzalisa isicelo semali -mboleko nesaphela sesingasamncedi ndaweni yoko sekufuneka ehlawule intywenka yemali .
Le yimeko engathandekiyo, ukhumbula oko. Bekufuneka ndiboleke nje i-R3 000 kodwa ndithe ndakufowunela iinkampani ezininzi zathi azinakundiboleka mali kuba ndiwahlawula kakubi amatyala.
Ekugqibeleni ndifowunele inkampani eseCarletonville
LUMKELANI OOMATSHONISA
kubalisa uIAN CLOVWER
KUBA iindleko zokuphila zinzima, bayanda abantu ababhenela kwiinkampani ezibolekisa ngemali .
Kodwa oku kunokuba yingozi
kukutyabule imali eninzi gqitha kunokuba ucinga ukuba uboleka kwinkampani yemigewu.
Kuphando olwenziwe yiBONA ngeenkampani ezibolekisa ngemali nezibhengezwa kumaphephandaba, ifumanise ukuba uninzi zifuna inzala engaphaya kwe-100% nyonyaka. Kwintetho yakhe yoQingqo-mali , uMphathiswa wezeMali uTrevor Manuel uthe uyazi ukuba ezinye iinkampani zide zifune inzala emalunga ne-1 200% ngonyaka okanye 1-1 OO% ngenyanga.
yibhanki
esemthethweni
inokuba yi-36% ngonyaka
ukusuka kwi-R1 ukuya kutsho kwi-R6 000 . Ukusuka kwi-
R6 001 ukuya kwi-R500 000
inzala yi-33%
ngonyaka.
Kodwa eyona
nto iqhatha
abathengi
kukuba
ngokutsho
kwesithethi
seSebe loRhwebo Noshishino iinkampani ezibolekisa ngemali engaphantsi kwe-R6 000 akukho mfuneko yokuba zibhalise njengeebhanki , nto leyo izenza zingalawulwa yiUsury Act exela imali yenzala enokubizwa ziinkampani ezibolekisa ngemali .
Imali eyinzala nefunwa ngababolekisi ngemali yi-30% ngenyanga nefikelela kwi-360% ngonyaka, utshilo. Abanye

Bathi kufuneka ndifekse ifomu yesicelo ezalisiweyo kuba ndihlala eMpuma Rand kude nabo. Bathi kufuneka ndibafeksele nephetshana lasebhankini elibonisa ukuba ndiyifakile ebhankini i-R150 yentlawulo.
Ndenjenjalo.
Bandiqinisekisa ngokuthi mandilinde nje i-15 lemizuzu baza kundiphendula.
Ndabathumela
yonk into baza
bandifowunela besithi
kufuneka ndiye kwenye inkampi
eseJohanneburg ukuze ndifumane imali . Ndacela
emsebenzini ndaya eJohannesburg ndiyokulanda imali yam, kodwa ndithe ndakufika kwiiofisi zale nkampani bathi
abanakundiboleka imali kuba ndingumntu owahlawula kakubi amatyala. Baphinde bathi bona abasebenzi naloo nkampani iseCarletonville .
Ndiyifowunele
kwakhona le nkampani iseCarletonville
bandiphendula besithi akulo tyala labo elo. Bathi
abanakuyibuyisa kuba isivumelwano esenziwa nabo sithi ayibuyiswa. Ngoku abantwana bam bayahlupheka kuba andinamali ukanti nesenti le yokugqibela ebendinayo ndiyihlawule njengedipozithi .

Nantsi indlela yokuzikhusela ukuze le meko ingentla ingenzeki kuwe:
iimali ezihlawulelwa ukuphelelisa isicelo azikho mthethweni
Ngo-1995 ngokweHarmful Business Practices Act , uMphathiswa wezoRhwebo Noshishino wavakalisa ukuba iimali ezihlawulwa kuqala njengedipozithi azikho mthethweni xa usenza isicelo semali -mboleko. Oku akuquki iimali ezixhuzulwa yibhanki nenzala.
Oku kuthetha ukuba ukufuna idipozithi kululwaphulo-mthetho kwaye kunokuphandwa ngamapolisa okanye yiBusiness Practice Committee .
Ukubiza imali ehlawulwa kuqala ukuphelelisa isicelo semali -mboleko bubuqhetseba kwaye makubikwe emapoliseni .
Hlola imbali yombolekisi- ngemali
Ababolekisi ngemali bahlola ingxelo yalowo baza kumboleka kodwa kubalulekile nangabo babolekayo ukuhlola ingxelo yombolekisi. IBusiness Practice Committee igcina iingxelo zeenkampani eziye zaphandwa nabathengi banokufowunela unobhala wekomiti ukuze baqonde idumasi laloo nkampani .
Izikhalazo zomntu ngamnye zinokuthunyelwa kwiiofisi zemicimbi yabathengi nezingama-24 kumaphondo akweli.

Buza
Akusoloko kusenzeka, kodwa kungcono ukukhe uye kwindawo ekuyo loo nkampani ukuze ubone idumasi enalo - unokude uhlole nokuba iiofisi zayo zisemgangathweni kusini na. Kwakhona zama ukuqonda ukuba sebenethuba elide kangakanani bebolekisa ngemali . Okona kungcono kukubuza abahlobo ukuba bakuse kumbolekisi ngemali onegama elihle.

KHUSELEKA
Kwenye imeko usomashishini othile waseJohannesburg owayesanda kubuya phesheya waboleka imali ukuze ahlangabezane nezinye iindleko zolo hambo.
Ndandingakwazi ukuboleka imali kwibhanki yam, ndakhangela izibhengezo ezikumaphepha-ndaba
nezibhengeza kumaphepha-ndaba Bandixelele ukuba abanangxaki bangandiboleka imali nokuba ndiwahlawula kakubi amatyala am; Ndazalisa nje ifomu ndaza ndathumela i-R150 yamaphepha
afunekayo ekupheleliseni le mali mboleko.

