UMnu uFaisal Mkhize iManaging Executive: Vehicle and Asset Finance e-Absa

Isithombe: Sithunyelwe

Uwumakadebona embonini yamabhange osizwe wukunganqeni ukuvuka azithathe emva kokuqhuzuka esafunda. UMnu uFaisal Mkhize, ongesinye sezikhulu ze-Absa. Uxoxe noSLINDILE KHANYILE

ISIFUNDO asheshe wasifunda empilweni ngokuhlangabezana nezingqinamba sokuthi akumele udikibale bese ukhohlwa amaphupho akho yisona emsizile akwazi ukubhekana nezinselelo endleleni futhi aphokophele ukufeza amaphupho akhe.

Namhlanje ungomunye wezikhulu kwelinye lamabhange amakhulu eNingizimu Afrika. UMnu uFaisal Mkhize uyi-Managing Executive yeVehicle and Asset Finance e-Absa, uphiko olubolekisa ngemali ebantwini abasuke befuna ukuthenga izimoto.

UMkhize, oneminyaka ewu-48, wacishe waphosa ithawula ngenkathi imiphumela yakhe kamatikuletsheni iphuma ingemihle nokwamvimba ukuthi enze iziqu ayezimisele ukuzenza, wagcina esekhalela ezifundweni zobuntatheli.

Kodwa ngenhlanhla yakhe ngaleso sikhathi wayesevele enomuntu ayebukela kuyena futhi owayemcathulisa nokwathi emva kwenyanga eqalile ukufundela ubuntatheli, wamkhipha wathi akayophinda umatikuletsheni ukuze ezothola imiphumela ayifunayo.

“Ukuyoqala phansi u-matric kwakungelula neze ngoba ngangibona abangani bami beqhubeka befundela imisebenzi kodwa mina sengiphindele emuva. Kodwa ngafunda ukuthi awuliphosi ithawula kokufisayo ngoba nakhu uhlangabezane nezingqinamba. Emva kwalokho kwaba lula ngaphasa kahle futhi ngathi uma ngifika e-UDW (i-University of Durban-Westville) kwaba lula,” kukhumbula yena.

Waphuma e-UDW, esiyaziwa nge-University of KwaZulu-Natal manje, neziqu zePublic Administration, aneHonours yazo. UneMaster’s in Development Finance yase-University of Stellenbosch, iGlobal Executive Programme yase-Insead Business School eFrance, i-International Executive Programme yaseGibs neLeadership and Ethics Programme yaseWittenberg Business School eGermany. 

Umeluleki wakhe owamqalisa phansi umatikuletsheni (UMnu u-Ike Nxedlana ongasekho) waba nesandla ekutheni angene emkhakheni wamabhange njengoba aphakamisa igama lakhe uma kufuneka abantu abazoqeqeshelwa ukuba yizimenenja emazingeni aphansi, wangena kanjalo ebhange kusewu-Allied Bank ozimele ePinetown, ngaphambi kokuhlanganiswa namanye amabhange amathathu ukuze kubunjwe i-Absa. 

Uneminyaka engu-24 manje uMkhize esebenzela leli bhange kanti kuningi asekwenzile ngaphakathi okubalwa ukuphatha uphiko olubhekelela amakhasimende angamaziko kahulumeni, uphiko lwamabhizinisi asafufusa nokunye. 

Ngesikhathi leli bhange seliphethwe yiBarclays PLC, wanikwa ithuba lokuyoliphatha kwelinye izwe njengoba wayeyi-Managing Director eMozambique; nokuyiyona nto aziqhenya kakhulu ngayo kuzona zonke izinto aseke wasenza.

“Ukuthenjwa ngaleyo ndlela yinkampani oyisebenzelayo ukuthi ithi hamba uyoba yisikhulu esiphezulu kwelinye izwe; umele izwe lethu, kwaba yinto enkulu kakhulu kimina. Ukunikwa ukhiye wesisefo, uxoxe neBhange loMbuso lakwelinye izwe… yinto engenzeki zonke izinsuku… futhi ayenzeki kuwona wonke umuntu,” kusho uMkhize.  

UMkhize uzalwe, wakhulela eNtuzuma, eThekwini, kanti umatikuletsheni wokuqala wayephothule eNqabakazulu, KwaMashu.  Ukusebenza iminyaka ewu-24 e-Absa, uthi abanye abantu baye bakubuke ngokuthi uyavilapha.

“Ibhange yindawo enkulu, exakile futhi edinga amakhono ahlukene. Ethimbeni engiliholayo mina kukhona onjiniyela, abacwaningi, abameli, odokotela, abezokukhangisa nochwepheshe bokuhlaziya izinamba. Ziningi izinto ezenziwayo nongazenza ngaphakathi njengoba nami nje sengisebenze eminyangweni enhlobonhlobo khona ngaphakathi.  Izinto futhi zishintsha masinyane ebhange, nokuyinto okufanele ikujabulise futhi ungakunqeni ukufunda izinto ezintsha. 

“Amazwe aphethwe kahle adinga amabhange asebenza kahle futhi aphethwe ngendlela okuyiyonayona. Anakho ukubukeka esabeka wona amabhange kodwa akhonela ukusiza abantu bakwazi ukuzithuthukisa,” kusho yena. 

Ukuhlasela kweCOVID-19 kudinge ukuthi amabhange atakule amakhasimende ngezindlela ezihlukene, okukhona kuzo ukuthi avume ukuthi angakhokhi izikweletu zawo izinyanga ezimbalwa njengoba abanye abantu bephelelwe yimisebenzi, kwathi abanye bancishiselwa imiholo. 

Uphiko lukaMkhize nalo kudingeke lusize njengoba bekunamakhasimende abehluleka wukukhokhela izimoto. UMkhize kwadingeka ayonxenxela u-45% wamakhasimende abo kwibhodi ukuthi livume ukuthi angakhokhi izinyanga ezimbalwa; nokungabantu ababolekwe uR30 billion uma behlanganiswa.

Yizinselelo ezifana nalezi athi zimnandi ngomsebenzi wakhe. Njengazo zonke ezinye izimboni nabo kuningi okushintshile endleleni asebesebenza ngayo ngenxa yeCOVID-19.

Enye yezinto esishintshile yindlela abadayisa ngayo izimoto ezidliwe njengoba sebekwenza ngokusebenzisa ubuchwepheshe ngoba abasakwazi ukuba nemibukiso bukhoma. Kanti nendlela abahambela ngayo amakhasimende isishintshile njengoba nakhona sebethembela kakhulu kwezobuchwepheshe ukuhlala bexhumene nawo futhi basebenzela nasekhaya.

“Kudingeke ukuthi sithole izindlela ezintsha zokusebenza ngokushesha kanti kokunye (bekungelula) ngoba kokunye abanye babe nenkinga yokungadonsi kahle kwe-internet, kokunye (bekumele) sibheke ukuthi kuphephile yini ukuthi abantu basebenzele emakhaya. Namakhasimende ethu kudingeke sithole izindlela zokuwasiza kodwa into emnandi manje wukuthi u-90% wamakhasimende ethu usubuyelile ekukhokheni ngendlela ejwayelekile; nokuyinto esiyijabulelayo futhi siyawubona umvuzo wokuthi ngesikhathi exakekile sizwelane nawo,” kusho yena.

Njengoba uMkhize ehola uphiko olubolekisa ngemali ukuze abantu bathenge izimoto kumqoka kuyena ukuthi kuhlale kunabantu abafuna ukuthenga izimoto kodwa futhi uyasiqonda nesidingo sokugada ukuthi zingabi ningi kakhulu izimoto emigwaqweni; ukunakekela imvelo. 

“Inkinga enkulu yilena yendlela izinto eziyiyona ngenxa yobandlululo. Abantu bahlala kude nasemsebenzini nokusho ukuthi kudingeka bavuke ngovivi ukuze bafike ngesikhathi emsebenzini. Uma (izinto ezithutha umphakathi) zingabi ezithembeke kahle, ngeke ubavimbe abantu ukuthi bathenge izimoto uma sebenamandla ngoba bafuna ukukwazi ukulawula indlela abahamba ngayo.

“Kuyadingeka ukuthi sinciphise umoya omubi okhiqizwa yizimoto nokudinga kushintshwe indlela ezakhiwa ngayo. Asikwazi ukusonga izandla kube kucaca ukuthi imvelo iyamosheka kodwa futhi ngeke sikwazi ukubanqanda abantu ezifisweni zabo.”

UMkhize unentsha ayicathulisayo ngaphakathi ebhange ngezeluleko nokunye kanti uhlangana nayo kanye ngenyanga nathemba ukuthi isipiliyoni sakhe yonke le minyaka sizoyisiza ikwazi ukufeza amaphupho ayo. 

Uyazifela ngegalofu nalisebenzisayo ukukhulisa ubudlelwane bakhe namakhasimende akhe. Ukhonze nezincwadi ezikhuluma ngamabhizinisi nobuholi. 

Indawo okuyiyona akhonze ukuphumula kuyona yisekhishini kanti nebhodwe uyalishaya. Uganiwe futhi unabantwana ababili.

Izeluleko kocabanga ukuthenga imoto ngesikweletu: 

  • Qala uzibuze ukuthi yimalini onamandla okuyikhokhela imoto, ubhekisise kahle zonke izindleko zakho. Uthi uqambe uyobheka imoto uyakwazi kahle loku ngoba ngale kwalokho kunengozi yokuthi uthenge imoto ozogcina ungakwazi ukuyikhokhela kanti yisikweletu seminyaka eyisihlanu lesi;
  • Thenga imoto endaweni ehlelekile nesebenza ngokusemthethweni, ikakhulukazi uma uzothenga isekeni. Qala wenze ucwaningo ngaleyo ndawo ngoba awufuni ukuthi uma usuba nenkinga ngemoto uthole ukuthi ngeke bakwazi ukukusiza;
  • Yazi ukuthi uyidingelani imoto ukuze uzothenga imoto ezomelana naleso sidingo.

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