Bonisana nesithandwa sakho ngezezimali ukugwema izikweletu ezingapheli

IMINDENI eminingi yaseNingizimu Afrika ilengela engozini yokungena enkingeni yokungabi nayo imali yokubhekana nezindleko zansuku zonke. Kanti njengoba nezindleko zezinto ezidingeka nsuku zonke njengokudla, ugesi, uphethroli nokunye zilokhu ziqhubeka njalo nokumba eqolo lokho kwandisa umthwalo ongenza kube lula ukucwila ezikweletini.

Nokho nakuba kunjalo, abantu abaningi bakuleli zwe abanayo imali abayibekele izimo ezinjalo, nokwenza ukuthi uma umuntu esenesimo esimphoqayo nesidinga imali ngokushesha - kube lula ukwenza amakhadi okuthenga ngezikweletu, awasezitolo nokuboleka imali nje - okudala ukuthi ugcine ukhokha imali enkulu sekuhlanganiswe nenzalo yalezo zikweletu.

Lokhu kushiwo yinhloko yophiko olweluleka amakhasimende ngemali eFNB uNkz Yashika Rambujan, ngenhloso yokukhuthaza nokucebisa abantu ikakhulu abathandanayo ukukhuthalela ukubhunga ngezezimali ukugwema ukwenza izikweletu eziningi.

"Imindeni eminingi ingagwema lesi simo ngokuthi ikhulume ngokukhululeka ngezezimali, ngoba akukho ngokuhlelela imali yakho kuphela - kepha kudingeka nokuthi niqonde futhi nihlele indlela eyodwa yokusebenzisa imali emzini wenu. Lokho kuqala ngokuthi kube neqiniso ngokuthi umuntu nomuntu uhola malini, unazikweletu zini, nokuthi yini emkhathazayo emoyeni, nokuthi wenza kanjani ukuzama ukuyilungisa," usho kanje.

Eqhuba, uthe enye into eyenza kube nzima ukukhuluma kalula ngalezi zinto wukuthi abantu abaningi bakhulela emindenini lapho kungaxoxwa ngemali, okudalwa nawukuthi umuntu usuke esaba ukuxoxa ngezinkinga zakhe zemali nangezikweletu ezisuke zimxakile.

"Kujwayelekile ukuthi othile othandweni abhekane nomthwalo omningi ogcina umgqilaza nasemqondweni, ekubeni lona omunye ekugwema ukuphumela obala ngenkinga anayo yemali. Lokho kungakhululeki ukukhuluma kungadala ukuthi kube nokushayisana kwemibono noma ukungathembani ikakhulu uma izikweletu ezixine oyedwa noma nobabili seziqala ukuthiya inhlakahle nesimobunjalo sothando lwenu," kusho uNksz Rambujan.

Uthe enye yezinto ezingasiza ukulwa nale nkinga wukuthi okungenani kanye ngenyanga kuhlanganiswe umholo wemali eyenziwe ngaleyo nyanga, bese kunqunywa ngokuhlanganyela ukuthi izocazwa kanjani leyo mali, futhi kube nengxenye yayo ezobekwa, ibekwele izimo eziphuthumayo.

Inhloko yophiko lwezokutshala imali eFNB, uDkt Ilse Smuts, ikhale ngokuthi ocwaningweni lwabo abalwenze nonyaka bathole ukuthi bangaphezu kukaa-75% okubikwe ukuthi banemali abayibekile encane ngale ndlela yokuthi ngeke ikwazi ukubalondoloza izinyanga eziyisithupha uma kwenzeka kunezimo eziphuthumayo ezidinga imali, no-15% ongenalo ngisho isenti elimnyama lokuhlomela isikhathi esidinga imali ngokushesha.

"Lokho kwenza ukuthi basale besenkingeni enkulu uma kufika izikhathi noma bebhekana nezimo ezidinga imali ngokushesha ngoba basuke bengabeke lutho lokuhlomela lezo zimo, bese bephoqeka ukuthi benze izikweletu kuphela ukumelana nezimo zangaleso sikhathi," kusho uDkt Smuts.

Uthe yonke imali ibalulekile kungakhathalekile ukuthi iyisamba esingakanani, ngakho ngisho ukubeka imali eqala kuR200 noma uR500 njalo ngenyanga kungasiza kakhulu uma kufika izimo ezidinga ukuthi usebenzise imali. 

"Lokhu akugcini ngokuvikela imali yakho nje kuphela, kepha kusiza nangokuthi kwehlise umthwalo nengxabano othandweni ngoba phela izimo eziphuthumayo nezidinga imali ngokushesha zifakelana ingcindezi enkulu engagcina ikwenzisa izikweletu ongazi ukuthi  uzozikhokha, uziqede nini, futhi kanjani," kucebisa uDkt Smuts.