Bacwile ezikweletini abantu baseNingizimu Afrika kodwa futhi ucwaningo luveza ukuthi yinkinga abayisukumelayo
SINYUKILE isibalo sabantu baseNingizimu Afrika abacwile ezikweletini ngekota yokuqala ka-2021.
Ngokusho kombiko obheka ukuthi abathengi bamisa kanjani ngokwezikweletu zabo, i-Debt Index ehlanganiswa yiDebtBusters, bawu-31% abantu abazame ukuthola kabanzi ngohlelo lokusiza abahlulwa yizikweletu ukuthi behliselwe imali abayikhokhayo, phecelezi i-debt counselling.
Lo mbiko ongabhekanga nje ikota yokuqala kulo nyaka kuphela kodwa oqhathanise naneminyaka emihlanu edlule uveza ukuthi imiholo yabantu yehle ngo-17%. Ebantwini abahola ngaphezu kukaR20 000, wu-60% ohlulwa ukumelana nezikweletu zawo.
Lezi zikweletu okuthiwa yi-unsecured debt ezifana nama-credit card zinyuke ngo-56% uma kuqhathaniswa nango-2016.
Ngokusho kukaMnu uBenay Sager, umphathi weDebtBusters isibalo sababuza ngosizo lokukhokha izikweletu, sidalwa wukuthi abantu sebekhetha ukuyisukumela inkinga yezikweletu kanjalo nokwehla kwemiholo.
“Abathengi abaningi bayaphoqeleka ukuthi baboleke ukugcwalisa lapho kushoda khona,” kusho yena.
Ngale kwesimo somnotho ebesivele simanzozo eNingizimu Afrika kodwa enye inselelo yengezwe wukubheduka kweCOVID-19, neyenze ukuthi kuvalwe izimboni ezithile ngonyaka odlule ukunqanda ukubhebhetheka kobhubhane. Loku kwenze izinkampani zanciphisela izisebenzi imiholo kanti ezinye zidiliziwe. Kumanje abantu abangasebenzi ezweni bawu-32.5%.
“Isibalo samadoda abuzayo nge-debt counselling sinyukile sisuka ku-48% ngo-2016, safinyelela ku-56%. Kuyakhuthaza loku ngoba sisemphakathini lapho indaba yezikweletu ingaxoxwa njalo futhi iningi lamadoda linako ukugwema ukufuna usizo,” kusho uSager.
Uthi okunye okukhuthazayo ukuthi isibalo sabantu asebephumile ezikweletini emva kokuphothula i-debt counselling sinyuke ngo-56% ngonyaka. Uthe ngoJanuwari kulo nyaka kunabathengi ababekweleta uR142 million abaqedile izikweletu zabo bathola nezitifiketi ezikufakazelayo lokhu.
Ezinye zezinto ezisizayo ukuthi umuntu angacwili ezikweletini ukuba nemali yokugada ingozi uma kuba nesimo esiphuthumayo esimehlelayo ngoba loko kugwema ukuthi aboleke. Kodwa ngokusho kweFNB bambalwa abanale mali ewugadingozi.
UMnu uRaj Makanjee, isikhulu esiphezulu seRetail e-FNB, uthi imali ewugadingozi kumele ilingane okungenani nomholo womuntu wezinyanga ezintathu.
“Ukuba nemali engakugada izinyanga ezintathu kungakusiza kakhulu uma wehlelwa yisimo obungasilindele njengokudilizwa noma ukungabi namholo okwesikhashana ngoba leyo mali oyongile ingakusiza ubhekane nezindleko ngaphandle kokuthi uboleke,” kusho yena.
Lezi yizimo ezifana nokuqhuma kwe-geyser, ukuqhunyelwa yisondo lemoto nokugula. U-Makanjee uthi ucwaningo abalwenzile luveza ukuthi ayikho le mali ebekiwe ikakhulukazi ngabathengi abahola imali ephakathi kukaR15 000 noR42 000 ngenyanga.
“Ucwaningo lwethu luveza ukuthi bangaphezu kuka-80% abantu (abahola phakathi kuka-R15 000 noR42 000) abangenayo imali abayibekile noma abanencane abangakwazi ukuyithola okungenani (ngesonto) uma behlelwa yisimo esiphuthumayo. Abawu-27% abanawo ugadingozi kanti abangu-56% banengaphansi komholo wabo wesonto,” kusho yena.
UNksz uDoret Joose, isikhulu esiphezulu seRetail Money Management e-FNB, sengeze ngokuthi laba bathengi abangayongi imali yibona abasebenzisa imali kakhulu ezintweni ezifana nokuya emaholidini nasotshwaleni.
“Uma siqhathanisa sibona ukuthi yibona abasebenzisa imali eningi ukukhokhela izikwelu ezifana nama-credit card nemali ebolekiwe.
Lokhu kukhombisa ukuthi izinqumo esizenzayo usuku nosuku ngokuthi siyisebenzisa kanjani imali nokuthi siba nezikweletu ezingakanani yikona okunomthelela ekutheni sigcina songe kangakanani,” kusho uNksz Jooste.
Uthe kumqoka ukuqala ngokubeka imali kagadingozi ngisho ngabe kuthiwa incane kangakanani. Uthe ungaqala ngisho ngemali ephakathi kukaR50 noR100 ulokhu uyikhulisa kancane kancane kunokulinda ize ibe nkulu. – Intatheli yoMbele
