Izazi zithi yinkoleloze ukucabanga ukuthi ukongela umhlalaphansi yinto yomntakabani. USLINDILE KHANYILE uyabika
UKONGA, ukutshala imali nokulungiselela umhlalaphansi akukona okwabadla izambane likapondo kuphela. Lezi yizinto wonke umuntu okufanele azikhuthalele ukuze imali imsebenzele kangcono.
Lesi yiseluleko sikaMnu uSenzo Nsibande, isikhulu esiphezulu seFNB Money Management. Lolu phiko aluphethe uNsibande luqondene nokuhlaziya indlela amakhasimende aleli bhange asebenzisa imali yawo ngayo ukuze lubone ukuthi lungawasiza kanjani ukuyandisa, ukonga nokuyitshala.
“Umsebenzi wethu wukukusiza ufeze amaphupho akho. Loku sikwenza ngokuqonda ukuthi imali uyisebenzisa kanjani zonke izinsuku ukuze sizokusiza ubone ukuthi yikuphi lapho unganciphisa khona ukuze uzoba nemali ongayonga. Ngisho ngabe kuthiwa imali oyongayo noma oyitshalayo incane kangakanani kodwa ngokuhamba kwesikhathi iyawenza umehluko, kuwumsebenzi wethu ukukuvula amehlo ngaloko
“Izikweletu ziyingxenye enkulu yempilo yethu eNingizimu Afrika. Thina asifuni ukukusiza ngezeluleko kuphela kodwa sifisa ukukusiza nangezindlela ezizokusiza. Bangaphansi kuka-7% abantu okuthi uma sekufanele bathathe umhlalaphansi baphile kahle… ukulungiselela umhlalaphansi akukona okwabantu abacebile kuphela,” kusho yena.
Ngokwezibalo ezisanda kuphuma zeDebtBusters, abantu abebekulolu cwaningo, abawu-72% badinga imali engaphezulu ngo-30% kulena abagoduka nayo ukuze bakwazi ukukhokhela izikweletu zabo kahle. Abawu-36% bayahluleka ukukhokhela izikweletu zabo njalo ngenyanga kanti bawu-12% kuphela abakhathazeke ngokongela umhlalaphansi.
I-FNB isanda kwethula ezinye izinkampani ezosebenzisana nazo ukuhlomulisa amakhasimende ayo ngemali ayihlomula ngohlelo lwama-eBucks. Ezimbili kulezi zinkampani zigxile ekuthuthukiseni ezemfundo.
Eyokuqala yi-Extramarks, inkampani esiza abafundi ngezifundo kusukela kwabafunda u-Grade R kuze kugcine ku-Grade 12. Lolu sizo lutholakala ngokusebenzisa ubuchwepheshe besimanje bamakhompyutha.
Eyesibili yiBIB, inkampani okutholakala kuyo izincwadi umuntu akwazi ukuzifunda ngokuzilalela zixoxwa. Izincwadi le nkampani egxile kuzona ngezibhalwe ababhali base-Afrika, ikakhulukazi ezezingane futhi zitholakala ngezilimi ezinhlanu zaseNingizimu Afrika.
UMnu uMajola Sibanda, i-growth head ye-eBucks Retail Rewards, uthi konke abakwenzayo kulolu hlelo wukubheka izindlela zokuxazulula izinkinga zamakhasimende abo.
“Siyazi ukuthi isibalo sothisha nabafundi asihambisani. Bayisigidi abafundi ababhala izivivinyo zikaMatikuletsheni njalo ngonyaka kodwa bangaphansi kuka-40% abathola amamaki anele ukuthi bathathwe enyuvesi. Sizama ukuqhamuka nezindlela ezizovala lelo gebe, (umfundi) athole nethuba lesibili. Yingakho ukwazi ukuthenga izincwadi zesikole ngama-eBucks futhi sethula nezifundo ze-Udemy. Kusukela sizethulile (izifundo ze-Udemy) bangaphezu kuka-21 000 abantu asebebhalisile. Sifisa nokugqugquzela abantu ukuthi bajwayele ukufunda,” kusho yena.
Enye yezinkampani ezethulwe yileli bhange yiQuickbus edayisa amathikithi ebhasi ezindaweni ezingu-600 e-Afrika yonke neyezimonyo i-Arc.
USibanda uthi bayaqonda ukuthi amakhasimende abo ahlukene, nokungakho imihlomulo yabo beyihlukanisile ukuze wonke umuntu akwazi ukusizakala.