Abantu baseNingizimu Afrika banokhwantalala ngenxa yezikweletu. INTATHELI YOMBELE iyabika

ININGI labantu eNingizimu Afrika likhathazekile ngokuphelelwa yimali inyanga ingakapheli, ukuhluleka ukukhokhela izikweletu nezinye izindleko zempilo ngaphezu kokukhathazeka ngokongela umhlalaphansi.

Loku kuvele ocwaningweni olwenziwe yiDebtBusters, okuphendule kulo abantu abawu-14 000. Lolu cwaningo luveze ukuthi abesifazane bakhathazeke ngokwantalala oludalwa wukungabi nemali eyanele ngaphezu kwamadoda nokungabi nemali eyanele yokukhokhela izikweletu zabo.

UNksz uNosiphiwo Nxawe, imenenja yezinkokhelo eDebtBusters, ithi: “Loku kukhombisa umthwalo othwelwe ngabantu besifazane emphakathini waseNingizimu Afrika, okuyinto okufanele siyibhekisise njengoba sibheke oSukwini lwabesiFazane.”

Abantu abawu-70% kulolu cwaningo baveze ukuthi banenkinga yemali. Kulaba bantu, abawu-94% bathe loku kuphazamisa impilo yabo emakhaya, kwathi u-77% wathi uphazamiseka emsebenzini kanti u-76% uthe kuhlupha impilo yabo. 

Abantu abawu-52% bathe bakhathazekile ngokuphelelwa yimali ingakapheli inyanga. Abawu-36% bayahluleka ukukhokhela izikweletu zabo njalo ngenyanga bese kuthi u-27% ukhathazeke ngamanani ezimpahla. Bawu-12% abakhathazeke ngokuba nemali eyanele mhlazane sebesempeshenini.

Abantu abathwele kakhulu ngabancane (u-75% wabantu abaneminyaka engaphansi kuka-25) futhi abahola kancane (u-78% wabahola phakathi kukaR6 000 noR12 000). Nokho, abawu-40% kubo bonke abaphendulile bathe ingaphezu kukahhafu imali abayihola uma sekubanjwe izinto iphelela ekukhokheleni izikweletu. 

“Okuthusa kakhulu wukuthi u-72% wabo bonke abantu udinga imali engaphezu kuka-30% kwalena abagoduka nayo ukuze bakhokhele izikweletu. Uma sibheka ukuthi (umuntu udinga) u-30% wemali ogoduka nayo ukuze akhokhele kahle izikweletu, loku kusho ukuthi abantu abawu-72% baxakwe yizikweletu. Akuyona indlela yokwenza izinto lena, ngakho akumangazi ukuthi abantu baphethwe wukhwantalala kangaka,” kusho uNksz uNxawe. 

Njengoba abantu baseNingizimu Afrika bexinwe yizikweletu nje, imalimboleko iloku iqhubekile nokunyuka njengoba iBhange loMbuso lizama ukukhalima ukuqonga kwamanani.

Ngesonto elidlule leli Bhange linyuse imalimboleko ngo-75 basis points yafinyelela ku-5.50%. Umphathi weBhange loMbuso uMnu uLesetja Kganyago uthi zisazoqhubeka izinselelo ezenza amanani ezimpahla aqonge ikakhulukazi ngenxa yempi yeRussia ne-Ukraine. 

UKganyago uthi amanani okudla kulindeleke ukuthi anyuke ngo-7.4% kulo nyaka, kuthi ngonyaka ozayo anyuke ngo-6.2%. Umnotho wezwe wona ubhekwe ukuthi ukhule ngo-2%. 

Isikhulu esiphezulu seFNB Retail Cash Investments uMnu uHimal Parbhoo sithi ukunyuka kwemalimboleko kuzonciphisa imali abathengi baseNingizimu Afrika abasala nayo.

“Izinkampani zaseNingizimu Afrika ezisebenzisa izikweletu ukuqhuba umsebenzi zizonyukelwa yizindleko kanti loku kuzodlulela kubathengi. Loku kusho ukunyuka kwamanani ezimpahla kubathengi baseNingizimu Afrika. Ukunyuka kukaphethroli yikona okunesandla esikhulu emananini ezimpahla. Amanani aphezulu kaphethroli asho ukunyuka kwezindleko zokuthutha nezimpahla ngenxa yezindleko eziphezulu zokuthutha. Abathengi bazokhokha imali ethe xaxa yokudla,” kusho yena.

U-Parbhoo uthi abathengi abaqaphele indlela abasebenzisa ngayo izikweletu. Uthi izikweletu ezifana ne-credit card ne-overdraft ziyabiza njengoba inzalo yazo ishintshashintsha. Uthi kumele abathengi baqaphele banganyusi izikweletu zabo ngalesi sikhathi futhi baphile ngokungangamandla abo. Ululeka abantu ukuthi bazame ukusheshe bakhokhele izikweletu zesikhashana njengoba kusalindeleke ukuthi imalimboleko iqhubeke nokunyuka. 

Isibalo sabantu	Isibalo sabantu
U-52%	Abakhathazeke ngokuphelelwa yimali ingakapheli inyanga
U-36%	Abahluleka ukukhokha izikweletu njalo ngenyanga
U-27%	Abakhathazeke ngokunyuka kwamanani ezimpahla
U-23%	Abakhathazekile ngezindleko abangazilindele
U-15%	Abahluleka ukukhokha imali yesikole
U-12%	Abakhathazekile ngokuba nemali eyanele uma sebethatha umhlalaphansi

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