Asingalindeli ukuthuthukiswa ngamabhange kwezomnotho
SIKHULA NGOMNOTHO
I-CAPITALISM ivuna labo abanemali ukuthi baqhubeke banothe kunabanye abantu. Yingakho uzwa abantu bethi imali izwa enye noma bathi udinga imali ukwenza imali. Lokhu kusho ukuthi akulula ukwenza imali uma ungenamali. Kulula ngisho emabhange ukuboleka imali uma uvele unayo imali noma impahla yokubambisa.
Enye imali amabhange abolekisa ngayo yile osuke uthi uyibekile ukuze ikhule. Ngakolunye uhlangothi ibhange likuthembisa inzalo eqinisekisiwe kanti libolekisa ngayo imali yakho ngenzalo ephezulu. Ibhange lisebenzisa imali yezinkumbi zabantu ukuzenzela inzuzo futhi lithuthukise labo abasuke sebezingeni elingcono. Iningi lemali ebolekwayo isuke izosetshenziswa ukuthuthukisa amabhizinisi noma izotshalwa lapho inzuzo inkulu khona. Lokhu kwenza abantu abacebile baqhubeke bazithuthukise bona besebenzisa imali esiyibeke ebhange. Uma kwenzeka wena uyithola imali ebhange inzalo imba eqolo uma iqhathaniswa naleyo ekhokhwa yilabo abanothile.
Inkinga wukuthi amabhange asebenzisa ubuchwabalalana bethu ukwenza inzuzo enkulu thina sithole amajuphana. Isibonelo yimali ebekwa yizitokofela emabhange elinganiselwa kuR50 billion njalo ngonyaka. Inzalo yayo ayifiki ngisho ku-3%, okusho ukuthi uma wonge uR10 000 unyaka wonke uthola inzalo engevile kuR300. Ngaleso sikhathi ibhange lenza inzuzo eyevile ku-10% uma sesisuse izindleko.
Okufanele sizibuze kona wukuthi yini ibhange lihlomule kakhulu ngokubolekisa ngemali yethu. Yilo mbuzo owaholela ekusungulweni kwezindlela zokuthi abantu baboleke amabhizinisi imali ngqo, i-crowdfunding. Wuhlelo olusebenzisa i-internet emazweni aphesheya afana ne-USA nase-Europe luxhumanisa labo abafuna ukuboleka imali nalabo abafuna ukwenza inzuzo ngokubolekisa. Luyehluka kunebhange ngokuthi inzuzo eningi iya kumnikazi wemali nokuthi uyayazi inzalo ezotholakala. Ukuyivikela imali lolu hlelo luyayicaza ukuze ibolekwe abantu abaningi. Ake sithi unoR1000 ofuna ukubolekisa ngawo, imali iyacazwa ibe woR100 abawu-10 noma oR50 abawu20 ukuze uboleke ibhizinisi elilodwa uR100 kwawu-10 noma uR50 kwawu-20. Uma ibhizinisi elilodwa lidinga uR10 000 kusho ukuthi lithola oR100 abawu-100 abavela ebantwini abahlukene. Le ndlela iyayivikela imali ngoba ukungakhokhi kwebhizinisi elilodwa kusho ukulahlekelwa uR100 owodwa. Labo abahlanganisa -icrowdfunding bayawahlola amabhizinisi ukuthi ayakwazi yini ukumelana nokukhokha isikweletu. Kuvame ukuthi i-crowdfunding igxile emabhizinisini enza imali ngokushesha.
Ihlukana kabilike i-crowdfunding, ukubolekisa ngemali okubizwa nge-crowdlending noma ukutshala imali kweningi okubizwa ngecrowdinvesting. Okusemqoka ngalolu hlelo wukuthi abantu abaningi bafaka imali encane ukuboleka noma ukutshala imali emabhizinisini. Akuwona-ke amabhizinisi kuphela asizakalayo kulolu hlelo kodwa iLanding Club yase-USA ixhumanisa abantu ukuze babolekane imali bengazani. Abanye basebenzisa i-crowdfunding ukusiza umphakathi ontulayo ngokuthola iminikelo besebenzisa i-internet. IKenya, edumile ngokusebensiza i-internet kumaselula noM-PESA, ihamba phambili ngalolu hlelo.
Okuseyinkinga eNingizimu Afrika wukuthi awukabi bikho umthetho owumhlahlandlela walolu hlelo. Lokhu kwenza kube lula ukuthi abantu baluthwe ngamaqola ebathembisa imali esheshayo. Njengamanje amabhanoyi adla lubi ngenxa yokuthi abantu bafuna izindlela ezisheshayo zokwenza imali. Okudumazayo wukuthi abantu bayakwamukela ubuqola bamabhanoyi ngobs bethemba ukuthi liyothi liwa ebe umuntu esehlomulile. Okufanele kucace wukuthi akumele silindele amabhange ukuthi azosithuthukisa kwezomnotho. Singayibeka imali emabhange okwesikhashana ngesikhathi sifuna izinhlelo ezinenzuzo engcono futhi esingazethemba. Ngokuhamba kwesikhathi sibe nezindlela ezivuna thina hhayi nje laba abadla izambane likapondo kuphela.
Okuhle nge-crowdfunding wukuthi ingasiza sithuthukise amabhizinisi abamnyama ngesikhathi senza inzuzo ebonakalayo. Ake ucabange nje uma kungathiwa uR50 billion wezitokofela utshalwe emabhizinisini ethu njalo ngonyaka. Ngeke kugcine nje ngokuthi sense inzuzo engcono kodwa singabona umnotho wabamnyama udlondlobala. Okufanele sikushintshe wukuthi imali yethu iqinte kumaakhawunti ezitokofela emabhange ingafaki inzalo. Okunye asigweme ukulahla imali emabhanoyini esazi kahle ukuthi ashiya kukhalwa. Esikudingayo kuphakathi nendawo, kufanele kube ngcono kunamabhange kodwa kungafaki imali engcupheni njengamabhanoyi.
* Sishayele ku 031 829 5820 noma uthumele uWhatsApp/ sms ku-083 354 8794. Thola ulwazi oluphangalele ku www.ubuntuwealth.co.za. Hheshe!