Sisanda kubhala ngamabhizinisi ayi-multi-level marketing. Okunye okuvelile wukudidaniswa kwawo nama‘bhanoyi’. Ukucacisela abantu sixoxe noNksz uThezi Mabuza, obambe njengoKhomishana weNational Consumer Commission (iNCC), inhlangano elawula ubudlelwano phakathi kwabathengi namabhizinisi

Umbele: Ningakuqinisekisa njengeNCC ukuthi i-multi–level marketing yimboni esemthethweni eNingizimu Afrika futhi niyayilawula? 

UNksz uMabuza: IKhomishini ayilawuli amabhizinisi e-multi-level marketing futhi ayikho imboni eyilawulayo. Kodwa iNCC iqapha ukuthi amabhizinisi eNingizimu Afrika ayakulandela yini okushiwo wumthetho wabathengi, iConsumer Protection Act, uma esuke esebenzisana nabathengi.

Lo mthetho awusho ukuthi iyiphi imboni esemthethweni noma engekho. Into ecaciswa yiCPA yiloko okungavumelekile ngokuziphatha kwebhizinisi. Uma kukhulunywa ngala mabhizinisi e-multi-level marketing, iCPA ayivumi ukukhangiswa nokufakwa kwabantu ema“bhanoyini”, okungaba yi-multiplication, pyramid ne-chain letter schemes.

Lolu hlobo luchazwa kanje: 

I-multiplication iba khona uma umuntu ethembisa umthengi, umtshalimali noma ojoyinayo ukuthi uzokwenza inzalo okuthi uma ibalwa ibe ngaphezu okungenani ngo-20% kwinzalo esuke inqunywe yiBhange loMbuso, iSouth African Reserve Bank, ngesikhathi okuqala ngakho ukutshalwa kwemali ngisho kungathiwa lowo mthengi uyingxenye yabantu ababolekisayo noma cha. 

Isivumelwano sithathwa ngokuthi yi“bhanoyi” uma:

a) Abayingxenye yalo behlomula ngokuthi kukhona ababafakile kodwa kungekho mpahla (edayiswayo noma umsebenzi owenziwayo).

Isivumelwano sithathwa ngokuthi siyi-chain letter uma:  

b) Inamazinga noma izigaba ezinhlobonhlobo zabantu abayingxenye yayo; 

c) Laba abakhona befuna abantu abasha abazobafaka;

d) Umuntu omusha ofakiwe kudingeka ekungeneni kwakhe ukuthi:

i) kube nemali ayikhokhayo ezokhokhelwa oyedwa, abanye noma bonke abakade bengenile, ngisho kungekho mpahla (ayithengayo) noma umsebenzi awenzelwe ngale mali ayikhokhile futhi efakwa esigabeni esisekugcineni;

ii) Kuloku kuqhubeke kanjalo ngesikhathi kuloku kumenywa abantu abasha ukuthi bangene futhi uzohlomula ngokukhokha kwalabo abasuke sebengenile futhi uzonyuka kuze kube uyakhishwa ngoba usufike kulesi sigaba esiphezulu kakhulu.

Umbele: Amabhizinisi angama-multi-level marketing abuye adidaniswe nama”bhanoyi” – abathengi bangahlukanisa kanjani?

UNksz uMabuza: Abathengi kumele babheke lezi zimpawu esizibalule ngenhla.

Umbele: Ngabe ikhona indlela iNCC engenelela ngayo uma abathengi bekholwa wukuthi baqolwe yilezi zinkampani?

UNksz uMabuza: Kungadingeka ukuthi abathengi bafake isikhalo kwiNCC bese leso sikhalo siyacutshungulwa. Lapho zikhona izinsolo zokuthi iphuliwe iCPA, iKhomishini iyobe isiyangenelela. Uma kutholakala ukuthi umthengi uqolekile kwi-multiplication, i-pyramid noma i-chain letter scheme, lowo mthengi uzoshushiswa ngokugqugquzela, ukungena nokuba yingxenye yalesi scheme.