Challenges (Maize)										IsiZulu
Izinselele (izinkinga) ezinzima zezimali ezihambelana nokuphatha ipulazi
Folio strap: Ukuphatha
Byline: Imininingwane ihlanganiswe nguMarius Greyling, ithathwe kumenyuwali Yokuphatha Ipulazi ukuthola Inzuzo 
Ukuze ibhizinisi lokulima lilethe inzuzo kufanele likwazi ukunikeza umkhiqizo odingwa abathengi. Emva kwalokhu kufanele leyo nzuzo iqhubeke nakusasa, ngakho-ke ukuphatha ibhizinisi lokulima nakho futhi kufanele kukhule kube ngcono njalonjalo nakusasa.
Izidingo zabantu 
Ekusukeni kokudalwa kwesintu umuntu wayedinga izinto ezizomsiza ukuphila. Ukudla kwakuyinto ebalulekile, bese wadinga futhi izingubo zokwembatha nendawo ezomvikela. Ekuqaleni umuntu wayethola izinto ezidingekayo ngokuzingela, ukuvuna ukudla ezitshalweni zemvelo, ukuthunga izingubo zakhe nokuzivikela emigedini. 
Lapho isintu siqhubeka siya phambili nezidingo zaso zaqhubeka zase zafika kumaleveli aphekeme zanamhlanje. Isintu sisuke futhi lapho besizisiza ngokwaso sase safika lapho kuthengwa khona konke okudingekayo. Singasho ukuthi empilweni yanamuhla ezweni jikelele amabhizinisi anikeza zonke izinto ezidingekayo kodwa abiza imali.
Kanjalo-ke, namuhla sidinga imali ukuthenga izinto zokuphila. Ngoba singabantu abafuna ukuthenga lezo zinto, singayithola kuphela imali ngokuyisebenzela. Ungazisebenzela noma ungasebenzela omunye umuntu ukuthola iholo. Lapho ukhetha indlela yokuzisebenzela njengokuphatha ibhizinisi lokulima, lelo bhizinisi lifanele likulethele inzuzo – kufanele uphumelele ngokwezimali. Ekulimeni kungabakhona umphumelo omuhle kuphela uma ibhizinisi lakho linikeza abantu izinto abazidingayo – kanjalo umnini walelo bhizinisi uzothola inzuzo.
Lapho ibhizinisi lithola inzuzo umnini uzokwazi ukudonsa iholo lakhe. Uma ibhizinisi alinanzuzo, nomnini akatholi lutho.
Imali engenayo (inzuzo) nezindleko
Izinto ezidingekayo zinikezwa amabhizinisi bese abathengi bayzithenga. Imali engenayo lapho kuthengiswa izinto ezidingekayo yinzuzo yebhizinisi. 
Lapho ibhizinisi likhiqiza noma lidiliva izinto ezidingekayo, ibhizinisi linezindleko ezithile. Lezi zindleko zingahlukaniswa ngendlela elandelayo (kukhona amaqumbi ezindleko):
Izindleko zokukhiqiza – izinhlamvu, umanyolo, amakhemikeli ezifo, imithi, ukuvuna nezindleko zokumaketha.
Izindleko eziphezulu – izintelo zasebhange, izindleko zamahhovisi, izindleko zokuphatha amabhuku ezimali nezindleko zezimoto namaloli.
Izindleko ezibophekile – amalayisense ezimoto, amahholo abasebenzi abasebenza sonke isikhathi, ukwehla kwenani lezimoto nezindlu nezindleko zenshuwalense. 
Izindleko ezivela ngaphandle kwebhizinisi – intelo yemali ebolekiwe, ihholo lemenijja nokuqasha izindlu noma umhlaba. 
Zonke izindleko zizolingana nalokhu okungangaphezulu (uma sihlanganisa zonke). 
Inzuzo/incitheko
Inzuzo ilingana nalokhu okusalayo uma kudonswa inani lazo zonke izindleko. 
INZUZO – IZINDLEKO = INZUZO/INCITHEKO (I – E = P/L
Noma lapho kuxoxwa ngezindaba zezizokulima:
INZUZO (INANI LENGQIKITHI LOKUKHIQIZA) – IZINDLEKO ZOKUKHIQIZA = INGQIKITHI YEMALI ESELEYO – IZINDLEKO EZIPHEZULU NEZIBOPHEKILE = IMALI YEPULAZI ENGENAYO ENGANCISHISWANGA - INZUZO YEPULAZI.
Labo abathatha intengiso nezinselele
Lapho kukhiqizwa khona, abakhiqizi bangabathathi bentengiso (imali engenayo) nabathathi bezindleko. Kokubili, intengiso nezindleko kuyanda ngokuhamba kwesikhathi, kodwa kumaleveli ahlukene. Isibonelo: ngo-26 Mashi 2010 uJ Willemse wabhala kuLandbouweekblad wathi ngo-2009 inzuzo yamabhizinisi ezokulima jikelele ikhuphuke ngo-2,6% ngalowo nyaka, kodwa izindleko zikhuphuke ngo-8%. La maphesenti ayehluka njalo ngonyaka kodwa adala okubizwa ngokuthi i”cost-price squeeze”. Uma sibheka iminyaka neminyaka lokhu kungakhonjiswa njengakulesi sifanekiso esilandelayo (Isifanekiso 1) (Source list: Willemse, J. 2010, Resessie sweepslag knyp Landbou. Landbouweekblad: 26 Maart 2010).
Isifanekiso 1: Imali engenayo, incitheko nalapho kuhlangana/kulingana khona
 0+											Izindleko
									 Incitheko
								 			Imali engenayo 
R								 
 	Inzuzo
Lapho kulingana khona
 0 
Iminyaka (Isikhathi)
Lapho umsebenzi epulazini uqhubeka ngokufana ngeminyaka neminyaka, isikhala ngaphakathi kwemali engenayo nemali ephumayo ukukhokhela izindleko sizovaleka, bese kuzobanzima ekugcineni ukuthola inzuzo. Uma sibheka umsebenzi wethu ngamehlo anaka izinto zezimali, kuyakhanya ukuthi kubalulekile ukuthi ukuphatha ibhizinisi lokulima kufanele kube ngcono, kuqhubeke kukhule njalo. Ngaphandle kwalokho ibhizinisi lakho alingeke likwazi ukuqhubeka nokuphumelela nakusasa. 
Lokhu kungenzeka uma siqaphela le ndaba ngokuqinisile njalonjalo ukuze ukuphatha kwazo zonke iziqephu zebhizinisi kuye phambili sonke isikhathi. Inhloso kufanele kube ukuqinisela njalo ukuthi imali engenayo ibe ngaphezu kwemali ephumayo (izindleko) ngokuhamba kwesikhathi. Lokhu kukhonjiswa kusifanekiso 2 ngaphansi. 
Isifanekiso 2: Inselele
 0+ 
											 Imali engenayo
R								 
 Inzuzo	Izindleko
 0 
 Iminyaka (Isikhathi
Lokhu akusiwo umsebenzi onikiweyo olula ngoba kukhona ziningi izinto ezingaphandle kwezandla zomphathi wepulazi ezikwazi ukushintsha indlela ibhizinisi lihamba ngayo. Ngakho-ke lokhu kuyinselele ebalulekile kakhulu kumnini/umphathi webhizinisi likulima. Ngokwazi umsebenzi kufanele ucabange njalo ngezinto zezimali maqondana nemali engenayo nemali ephumayo (izindleko) lapho wenza noma ini ebhizinisini lakho.
Ngokugcina
Ngokugcina singathi ukuze ibhizinisi lokulima lithola inzuzo lifanele linikeze abathengi izimpahla/umkhiqizi abakudingekayo. Emva kwalokhu abaphathi bebhizinisi lokulima bafanele baziqinise ukuqhubeka ukuthola inzuzo nakusasa, ngakho-ke umsebenzi wabo ufanele ukhule ube ngcono njalo.
