Liklomelise amakhasimende
Kungaphezu kwamagama enkehli okwenziwa yibhange iCapitec kumakhasimende alo. Lizobuyisa imali eyingxenye yenzalo ezinyangeni eziyisthupha likwenza kabili kwabakhokha kahle.
Ngempelasonto edlule izindawo zokuzicwala ziphinde zavulwa emuva kokuvalwa kulandela umyalelo kaHulumeni ukuthi amabhizinisi avalwe ukugwema ukubhebhetheka kokhuvethe.
Isimemezelo sikaMengameli wezwe, uMnu uCyril Ramaphosa, sokuthi lezi zindawo sezizovunyelwa ukuba zisebenze ezingeni lesithathu lemvalelwakhaya zijabulise abaningi kwazise bese kunezikhalo eziningi kubantu zokuthi abasakwazi ukuyozicwala kulezi zindawo.
Phakathi kwalezi zindawo kubalwa ezokucwala izinwele, izinzipho, ubuso nokunye.
Lolu hlobo lwebhizinisi luphethwe kakhulu ngaboHlanga kanti iningi labo liziphilisa ngalo. Uma uya ezindaweni okuhlala kuzona aboHlanga kukancane ukuthi ungayitholi indawo yokulungisa ikhanda.
Nangesikhathi leli bhizinisi lisavaliwe ukusebenza, kwezinye izindawo ikakhulukazi emalokishini kukhona abebe sebenza kungathi akukho okwenzekile.
Abanikazi bawo bebezithethelela ngokuthi nabo yindlela abaziphilisa ngayo futhi banemindeni ebabhekile ukuthi bayondle. Bebephinde bathi kunabantu ababaqashile okufanele babaholele.
Kuthe emuva kokuba uMengameli uRamaphosa ememezele ukuvulwa kwalezi zindawo, uNgqongqoshe Wokuthuthukiswa Kwamabhizinisi Amancane, uMhlonishwa uKhumbudzo Ntshavheni, washicilela imiyalelo okufanelwe ilandelwe ngabanikazi balezi zindawo.
Le miyalelo ithi abanikazi bala mabhizinisi kumele babhalise wonke amakhasimende nabantu abangena kulezi zindawo ukuze kube lula ukubathola uma kwenzeka kubheduka ukhuvethe kuleyo ndawo, amakhasimende kumele abekise usuku nesikhathi azofika ngaso uma efuna ukusizwa, kusetshenziswe izimfonyo nezibulalimagciwane nokunye okuvikela ukuthelelana ngokhuvethe.
Ngaphezu kwalokhu kuwumthwalo wabanikazi balezi zindawo ukuba baqikelele inhlanzeko njengokuhlanza osinki bokugeza njalo emuva kokusetshenziswa. Labo bheseni kufanele bahlanzisiswe njalo uma sekuqedwe ukusebenza.
Njengoba izindawo zokucwala amakhanda ikakhulukazi lezo okungezaboHlanga kwaziwa ukuthi yilapho abantu behlangana kodwa kukhinindwe izindaba ezenzeka emphakathini, omunye wemiyalelo eshicilelwe nguNgqongqoshe uNtshavheni uthi izivakashi kazivumelekile kulezi zindawo.
NgoMgqibelo kuqala ukuphinda ukusebenza kwalezi zindawo, ngihambele kwenye esedolobheni ePinetown ngenhloso yokuyolungisa ikhanda kwazise bese nginesihluthu esesabekayo.
Okungishaqisile ukuthi awukho nowodwa kule miyalelo engibone ulandelwa kule ndawo kunalokho ngitshelwe obengigunda izinwele ukuthi ngeke akwazi ukwenza umsebenzi wakhe uma ngifake izimfonyo.
Kule ndawo bekuphithizela abantu, kukhona abazihlalele bengezile ukuzocwala amakhanda. Nendlela abantu abebehleli ngayo ibingayilandeli umgomo wokuqhelelana ngebanga eliyimitha nengxenye.
Akuyona kuphela le ndawo engayilandeli imigomo yokugwema ukubhebhetheka kokhuvethe kepha ziningi zigcwele amadolobha akuleli.
UHulumeni ukubeke kwacaca ukuthi amabhizinisi asevunyelwe ukusebenza ahlulekayo ukulandela imiyalelo nemigomo yokhuvethe ebekiwe azovalwa.
Sikubonile lokhu kwenzeka evalwa amanye ikakhulukazi lawo ahweba ngotshwala ngenxa yakho ukungayilandeli imigomo.
Kushayisa ngovalo uma kwenzeka kanjena kwazise lesi simo sibeka engcupheni impilo yabantu. Lokhu kubonakele ngesikhathi kuvulwa izikole kubuyela abebanga le-12 nelesikhombisa okuthe emuva kwalokho kwabikwa izibalo eziphezulu zokutheleleka kwabafundi nothisha ngokhuvethe.
Njengoba eshilo uMengameli uRamaphosa ukuthi isimo siyaphoqa ukuba amanye amabhizinisi avulwe ngakho-ke sekuse zandleni zezakhamuzi zakuleli ukuba ziqinisekise ukuthi alubhebhetheki ukhuvethe.
Isimo esibonakale emuva kokuvulwa kokudayiswa kotshwala lapho abantu bebehluleka ukuzilawula, kwanda izingozi zomgwaqo namacala okhulukunyezwa kwabantu besifazane okusolwa ukuthi abhebhethekiswa wuphuzo oludakayo, okuvuse ukwesaba ukuthi uHulumeni angase athathe isinqumo sokuzivala futhi lezi zindawo.
Uma kubhekwa okwenzeka ezindaweni zokuzicwala ngeke kwamangaza uma kungaphinde kuqubuke itwetwe ngokuthi uHulumeni angase abuyekeze ukuvulwa kwazo.
Okwamanje kungabukeka konke kuhamba kahle emuva kokuvulwa kwalezi zindawo, kodwa indlela okwenzeka ngayo izinto iletha uvalo lokuthi kungekudala kungase kuzwakale izindaba ezingezinhle ngokutheleleka kwabantu ngokhuvethe.
Indaba yalezi zindawo iyinselelo enkulu kuHulumeni nakubahloli bokugcinwa kwemigomo yezempilo neyokuphepha ezindaweni zamabhizinisi okubiza ukuthi kusukunywe zivakashelwe ukubheka ukuthi ngabe ziyayilandela yini imigomo ebekiwe. Uma lokhu kungenziwa leli zwe lingase lizithole libhekene nenkinga enkulu yokusabalala kokhuvethe njengoba bebaningi abantu abahambela lezi zindawo.
Njengoba kubikwa ukuthi ngesonto elizayo isimo sizoba sibi kakhulu, kuyoba kuhle ukuthi lezi zindawo ziqashwe ngeso lokhozi.
Abanye leli bhange elithi bazohlomula kulokhu yilabo abathathe uhlelo olubuyekeziwe lokubalekelela phakathi komhla zingama-27 kuya zingama-30 kuNhlaba nonyaka. Ngokusho kwaleli bhange angama-20% amakilayenti abo azohlomula kulokhu kodwa lona lifuna ukwenza ngayo yonke indlela ukusiza ngalesi sikhathi esinzima sokhuvethe.
Nakulokhu, kuzosizakala labo abazizikhokhela kahle izikweletu zabo kuhlanganisa neyekhefu abalithathile.
Lokhu kuzohamba kanjena: emuva kwezinyanga eziyisithupha zokukhokhela kahle isikweletu, inzalo engamaphesenti angama-50 eyakheke ngalesi sikhathi izobuyiselwa kukilayente ngokuthi ifakwe ngqo ku-akhawunti yesikweletu salo. Emuva kwezinye izinyanga eziyisi-6 kungekho ukuphazamiseka ekukhokheleni isikweletu, amanye amaphesenti angama-50 enzalo azobuyiselwa kukilayenti.
Isibonelo salokhu: uma ikilayenti liboleke imali eyizi-R100 000 lizokhokha inzalo yamaphesenti ali-18, ezinyangeni ezintathu inzalo iyobe iyizi-R4 568. Uma ikilayenti belithathe ikhefu lezinyanga ezintathu lokukhela isikweletu futhi lasigcina isethembiso sokukhokha, izi-R2 284 zizofakwa ku-akhawunti yalo yesikweletu emuva kwezinyanga eziyisithupha kuthi emuva kwezinye eziyisithupha kuphi kufakwa ezinye izi-R2 284. Lokhu kusho ukuthi ikilayenti lizogcina lingayikhokhanga inzalo yezinyanga ezintathu.
Ngokusho kweSikhulu Esiphezulu saleli bhange, uMnu uGerrie Fourie, lokhu ngeke kusize kuphela ukwehlisa umthwalo wemali kumakilayenti abo kodwa kuzogqugquzela indlela enhle yokuziphatha kwezezimali ngokuthi amakilayenti aklonyeliswe ngokugcina izivumelwano zokukhokhela izikweletu zawo futhi okuzogcina amagama awo emahle kubabolekisi ngezimali. Lokhu okwenziwe yiCapitec kubukeka kuzowethula umthwalo kumakilayenti ayo nayo kuzoyisiza ukuthi ingalahlekelwa.
Akumangazi ukudlondlobala ngesivinini esikhulu kwaleli bhange elasungulwa ngasekupheleni kweminyaka yama-90. Imibiko yokuhweba ebuyekeziwe yakamuva iveze ukuthi belilindele ukuthi inzuzo yalo onyakeni wezimali ophela ngoNhlolanja yenyuke ngamaphesenti aphakathi kwali-18 nangama-21. Lokho kukodwa kukhomba ukuthi liqenqeleza phambili kumabhange amakhulu futhi kuveza ukuthi ukusungulwa kwamanye amasha anjengeTyme Bank neDiscovery
Bank akuzange kuliphazamise. Kulisebenzele ukuqhamuka nezindlela ezilula zokusebenzisa ibhange kulabo abebeshiywe ngaphandle ikakhulu aboHlanga. Inselelo elisabhekene nayo eyokulungisa imishini yalo yokukhipha imali ehlale inezinkinga kanye nokwandisa izindawo etholakala kuyona.