Unogcobo lwemisebenzi ebucayi ophethe uphiko oluqondene nokuhlinzeka iNingizimu Afrika yonke ngemali. Uxoxe noSLINDILE KHANYILE

IZIKHUNDLA aziphathayo ziwuhlobo lwemisebenzi ebucayi ekwazi ukuguqula impilo yabantu abaningi ngendlela enhle uma konke kusuke kuhamba kahle. Kanjalo uma kukhona lapho kuphunyuke khona kungaba yisibhicongo. 

UNksz uPearl Kgalegi uyinhloko yomNyango weCurrency Management eBhange loMbuso. Lolu wuphiko oluqinisekisa ukuthi kunemali eyanele eNingizimu Afrika futhi imali efinyelela emiphakathini iwungqo.

UNksz uKgalegi, oqale kulesi sikhundla ngoMashi, uthi uwuhlobo lomholi oluzikhulumelayo ngoba ukholwa wukuthi kuhle abantu banconywe uma benze kahle noma kubhimbile ukuze kulungiswe okonakele.

“Ngiwumuntu olalelayo ngoba futhi ngisuke ngifuna ukuqonda indlela omunye umuntu abuka izinto ngayo ukuze ngingajahi ukumahlulela. Ngiyile nhlobo ethi asisebenze size siwuqede umsebenzi. Uma sihluleka, sizofunda siphinde sizame. Sonke siyakusaba ukwenza amaphutha kodwa kumele uzixolele bese uyaqhubeka nempilo.

“Kowami umsebenzi iphutha lingasho ukulahleka kwezigidi nezigidi kodwa awukwazi ukuthi ungaphila usaba ukwenza iphutha,” kusho yena.

Lo mcwaningi ozalelwe futhi wakhulela eRockville, eSoweto, eGauteng, wumsebenzi wethimba lakhe ukuqikelela ukuthi uma umuntu ekhipha imali emshinini uyayithola. Ngezikhathi lapho abantu bethenga kakhulu khona njengamaholidi kaKhisimuzi kumele nezitolo zingashodelwa yimali.

Eqala enyuvesi uNksz uKgalegi wayefisa ukuba yi-chartered accountant ngoba ayebona kuwumsebenzi ohloniphekile. Wenza i-BCom eWits University kodwa wabuye wabona akuthi akuyona into ayithandayo nakuba aziphothula.

Ube esengeza nge-economics enzela ukugxila nasekucwaningeni, kwakhona ezwa ngaphakathi ukuthi usethole ngempela into ezwana naye. Uthi ukucwaninga nokufunda yinto esegazini kuyena.

Ufike eBhange loMbuso eminyakeni emithathu edlule ezophatha uphiko lweResearch, Policy and Strategy. Ngaphambi kwalokho wasebenzela umNyango wezokuThutha kanti into enkulu ayeyenza ngaleso sikhathi wukulungisa izinkinga zesiminyaminya nokungasebenzi kahle emingceleni yeNingizimu Afrika namanye amazwe – omunye umsebenzi obucayi.

“Kwakuyinto enkulu ukulungisa izinkinga emingceleni. Ngiyazi ukuthi asizilungisanga zonke ngoba iBeitbridge (umngcele owelela eZimbabwe) iseyinkinga. Kepha uma ngibheka emuva, umngcele phakathi kweNingizimu Afrika neBotswana, umngcele phakathi kweBotswana neZambia, kwalungiseka… kwasebenza. Sasebenza senza ucwaningo, sihlanganisa, sasingenza okungaphezu kwaloko kodwa ngiyaziqhenya ngesakwenza. Nanamhlanje uma ngibuka indlela izinto ezisebenza kahle ngayo, ugxiviza kanye hhayi kaningi njengasekuqaleni, ngiyaziqhenya ngaloko,” kusho yena ngenhliziyo ethe kla.

Uke wasebenzela umnyango osubizwa ngowokuHweba, Izimboni nokuNcintisana. Khona wasebenza ngezinhlelo nazo ezaba nomphumela omuhle emazweni amaningi e-Afrika, iNEPAD neyahlanganisa izivumelwano zokusebenzisana zokuhwebelana nokubambisana phakathi kwamazwe ase-Afrika.

Wayesethimbeni futhi elalisebenza kubunjwa ibhange elihlanganiswe yiBrazil, iRussia, i-India, iChina neNingizimu Afrika, iBrics Bank. 

UNksz Kgalegi, okhuliswe ngabazali bakhe noninakhulu, uthe bayaye bafundise abamabhange, abezitolo nomphakathi ngokukwazi ukubona imali ewumkokotelo kodwa lona ngumsebenzi ophazanyiswe yiCOVID-19.

Uthi isithunzi nokuthembeka kwemali kunesandla ekutheni imali yalelo zwe iba namandla angakanani nokungakho kumqoka kubona ukuthi wonke umuntu azi kahle kamhlophe ukuthi uyibona kanjani imali ewumkokotelo.

“Kunento ebizwa nge-Currency Protection Device (iCPD) ekhona kuyona yonke imishini yokukhipha imali. I-CPD yiyona lena esiza ukuthi sibone uma umuntu ephethe imali engatholakala ngendlela esemthethweni ngoba iyona lena ekhipha u-ink lona ochithekela emalini uma kuvulwa i-ATM ngendluzula.

“Ekufundiseni kwethu abamabhizinisi kumele bazi ukuthi kufanele benze njani uma beqondana naleyo mali. Kokunye mhlawumbe umuntu ozothenga ufika nemali edabukile noma esihlanganiswe nge-sellotape, nalapho kumele abezitolo bazi ukuthi benzenjani, bayayamukela yini leyo mali.”

UNksz uKgalegi ugqugquzele umphakathi ukuthi awuzijwayeze ukuyibhekisisa imali, wathi kunezinto ezimbalwa obona ngazo uma uphethe imali yangempela. Ezinye zalezi zinto wubuso bukaMadiba futhi isayinwa wumphathi weBhange loMbuso.

“Yibambe imali yakho kube ngathi uyayilula, uyibhekise phansi naphezulu. Kunomugqa okhona kuyona i-watermark, ubuso bukaMadiba kanti uma uyibhekisa phansi naphezulu kumele ubone imibala yehembe likaMadiba inyakaza. Kukhona nophawu lukahulumeni nokuthi yimalini phakathi nendawo.

“Kukhona nolayini esibafakayo ukuze nabantu abangaboni bezoba nendlela abakwazi ngayo ukuhlukanisa ukuthi baphethe uR10, uR20 noma uR100.

“Kunobunjiniyela nomsebenzi omningi owenziwayo uma kwakhiwa imali ukuqikelela ukuthi lena efinyelela emphakathini ngeyangempela. Njalo emva konyaka siyalushintsha ulimi esibhala ngayo imali, kuba nezilimi ezimbili esizisebenzisayo ngonyaka,” kuqhuba yena.

Ugqugquzele nabantu ukuthi basebenzise ne-app exoxa yonke into ngemali babone kahle lezi zinto okumele baziqaphele. Uthi kunomlando wemali kanti ngo-2023 bazokwethula imali entsha.

UNksz uKgalegi uthi kuningi asekufundile kule minyaka emithathu eseBhange loMbuso kanti uthi umuntu omcathulise kakhulu nguMaggie Mogape osesebenze kuleli bhange iminyaka ewu-20, nathi umfundise yonke into futhi ubehlala kuze kube sebusuku besebenza.

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