Izitokofela zingagcina zibe yibhange lomfelandawonye
SIKHULA NGOMNOTHO
SEKUYIMINYAKA umfelandawonye westokofela usiza abantu ukonga imali ukuze bafeze abaphupho abo. Ukonga imali akuyona into elula uma uwedwa kodwa ngokuhlanganyela nabanye abantu kuyenzeka. Kungaba umholiswano, lapho kuhlanganiswa imali iye kumuntu oyedwa, noma ukubeka imali nihlukanise ukuphela konyaka noma imali yokuthenga impahla.
Okwenza ukuthi istokofela sisebenze wukuthi amalungu ayazana futhi ahlangana cishe zinyanga zonke. Yilokhu kuthembana okwenza sibe yimpumelelo ngoba noma kubolekiswa ebantwini bangaphandle, kuba amalungu aba nomthwalo wokuthi leyo mali iyabuya. Yize lokhu kuthembeka kubalulekile kodwa yikona okuphinde kuvimbe ukukhula kwestokofela ngoba uma amalungu esemaningi kakhulu kungadaleka izinxushunxushu. Ziba khona-ke izinkinga estokofeleni noma amalungu azana.Enye inkinga yezitokofela wukuthi azitholi inzalo eyenamisayo emabhange zibe zingenazo izindlela eziphusile zokutshala imali.
Lokhu kungashintsha uma izitokofela zingahlangana ukuze zibe nesamba esiningi semali ezingayitshala ezindaweni ezehlukene. Zihlangana kanjani izitokofela zibe zinkulu ukuze zihlomule ngaphandle kwezinkinga?
Yilapha-ke la amabhange omfelandawonye (co-operative banks) engaba nomthelela omuhle khona. La mabhange afana ncamashi nezitokofela ngaphandle kokuthi wona abhaliswe ngokusemthethweni kwiCo-operative Banks Development Agency (CBDA) esemnyangweni wezimali kahulumeni. Okunye okuthi akuhluke wukuthi kudingeka ukuthi umfelandawonye ube namalungu awu-200 kuya phezulu futhi abe noR100 000. Lokhu kusho ukuthi kufanele ilungu elilodwa kulawa awu-200 lifake okungenani uR500 ukuze kubhaliswe ngokusemthethweni. Umthetho walamabhange omfelandawonye ugcizelela ukuthi kufanele amalungu ahlangane abe mqondomunye (common bond) ukuze wonke umuntu ahlomule ngokulingana.
Kuyafana-ke lokhu nestokofela ngaphandle kokuthi kunesibalo esinqunyiwe samalungu kanye nemali okufanele ifakwe. Batholakala kanjani abantu abawu200 abanenhloso efanayo? Mhlawumbe akuyona inkinga leyo ngoba vele zikhona nje izitokofela esezihlanganise iqoqwana labantu abamqondomunye. Kungani zingahlangani izitokofela ezincane zakhe ibhange lomfelandawonye ukuze zihlomule ekutshaleni imali? Okokuqala kufanele izitokofela zidlule emqondweni wokuhlukanisa imali ngonyaka. Kunalokho amalungu adinga imali angayiboleka kuwona akhokhe inzalo ephansi.
Abanye abantu abangahlomula kakhulu ngokusungula lolu hlobo lwebhange wosomabhizinisi abancane – izitolo neziphaza, abathengisa emgwaqweni, abalimi abamnyama njalo njalo. Njengoba iningi lamabhizinisi amancane enezinhlangano aziwangamele kulula-ke ukuthi asungule ibhange lomfelandawonye. Ngokusungula amabhange alolu hlobo amabhizinisi amancane angabolekana imali okungasiza ukukhulisa amabhizinisi. Akupheleli nje ekongeni imali, amalungu anezitolo anganquma ukuthi athenge noma asungule isitolo esikhulu esizophakela amabhizinisi abo (wholesaler).
Ukubhalisa ibhange lomfelandawonye kukabili, kuqala kuCBDA ngokugcwalisa amafomu ufake nemininingwane yomfolendawonye nawo wonke amalungu. Lokhu kube sekulandelwa ukubhalisa kweCompany and Intellectual Property Commission (CIPC) njengecooperative. Lokhu kubhalisa kuvumela lo mfelandawonye ukuthi ube semthethweni ukwazi ukwenza ezinye zezinto ezenziwa amabhange amakhulu ngaphandle kokufeza izidingo ezinqala ezifunwa wumthetho wamabhange. Uthi lapho usukhulile wafikelela kuR1 000 000 namalungu awu-200 nangaphezulu kuphoqe ukuthi ubhalise kwiBhange loMbuso. Uma lokhu kukhula kuqhubeka sekulula ukuthi amalungu angabasunguli alishintshe ibhange lomfelandawonye libe yilokhu okubizwa ngemutual bank enemigomo ethe ukuba qatha. Ukusuka lapho sekuseduze ukukhula nigcine nibhalise ibhange lokuhweba (commercial bank) uma nikwazi ukuhlangabezana nezidingo nemigomo esezingeni eliphezulu akhulu.
Noma kukuhle ukuthi umfelandawonye ugcine uyibhange elihwebayo kodwa akufanele lokhu kube yinhloso yokuqala. Ukusungula ibhange lomfelandawonye kufanele kukhuthazwe yisifiso sokukhulisa umnotho ndawonye kwamalungu. Asikho isidingo sokuthi kuze kwazane wonke umuntu, uma nje kunendlela yokuhlangana nokwazi ukuthi nibopheke ngabhandelinye lokuzakhela umnotho.Umnotho ngeke ulethwe kithi kepha yithina okufanele sisukume.
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