‘Umkhankaso wokubhenka kweningi e-Afrika uyaphumelela kodwa usemningi umsebenzi’
YINTATHELI YOMBELE
UMKHANKASO wobuchwepheshe wokuqeda ububha, ukukhuthaza ukukhula komnotho nokudala amathuba ngokufaka wonke umuntu kwezezimali uyaphumelela kancane, kancane. Nokho kubantu abaningi base-Afrika “imali esandleni” iseyinto enkulu kanti usemningi umsebenzi wezikhungo zezimali wokusabalalisa umbhidlango owenze ukuthi kwande isibalo sabantu base-Afrika abasebenzisa amabhange safinyelela ku-49% phakathi kwango-2011 nango-2022.
Sisho kanje isikhulu esiphezulu se-Africa Regions eStandard Bank uMnu uYinka Sanni. Nokho izinselelo ekugqugquzeleni ukuthi bonke abantu basebenzise amabhange kungakhathalekile ukuthi ngokobulili, okwemali yomuntu, okwemfundo nokweminyaka kusadlangile kanti kuphoqa ukuthi kusukunyelwe injongo yokuthi bonke abantu basebenzise amabhange.
Phakathi kwezinto ezidinga ukusukunyelwa yizinga elingalingani losizo lobuchwepheshe emazweni ehlukene ase-Afrika. ENingizimu Afrika izinga liku-85%, eMauritius liku-91% kanti eKenya liku-79%. E-South Sudan liwu-6% vo. Emazweni awu-16 kwawu-36 acwaningiwe bangaphezu kuka-50% abantu abadala abanama-akhawunti asebhange.
U-Sanni uthi: “Loku kuyinkomba yokuthi ukuze kudlule ezingeni eliwu-50%, ziningi izinto ezidinga ukwenziwa. Phakathi kwazo kufanele kuthuthukiswe ingqalasizinda ezindaweni lapho kucikizela i-internet khona nalapho i-network ibheda khona. Ukwandisa ukufundisa abantu ngezimali nokuthemba izindlela zobuchwepheshe zokuphatha imali kumqoka kwezinye izindawo. Lapho kunobuchwepheshe obusha nobungabizi futhi kukhona nezinkampani zobuchwepheshe khona imvamisa ukusebenzisa ubuchwepheshe bamabhange kuyemukeleka.
“Kanjalo kubayinselelo ukuthi kubenabantu abaningi abasebenzisa izindlela zobuchwepheshe zamabhange uma kunemigoqo yemithetho neyengqalasizinda ekutheni kwande ukusebenza kobuchwepheshe ngaphandle kwasemadolobheni,” kuqhuba yena.
“Ukuxazulula lezi zinselelo ngokuphelele kumqoka ekutheni kwamukeleke ukusebenza kobuchwepheshe ezwekazini lonke kanti kufanele kuqhubeke ukuze i-Afrika ikwazi ukuqhudelana namaye amazwe ngokobuchwepheshe,” kusho uSanni.
Uthi kufanele kuqhutshekwe nokuqhakambisa ubuhle bokusebenzisa ubuchwepheshe bamabhange. Loku kuqala ngokuncipha kobungozi bokulahleka kwemali, ukuthi kubelula ukubeka nokukhipha imali ngale kokuya emagatsheni amabhange, izindlela eziphephile zokukhokha nokusebenzisa ama-ATM ukuboleka imali nokuyibeka.
“Okumqoka ekwandiseni iqhaza lawo wonke umuntu wukuqhubeka nokuvala igebe ebuchwephesheni. Lapha kubalwa ukuqinisekisa ukukhombisa ukuthi ayilona iqiniso inkolelo ethi ‘uma ngingemali kusho ukuthi angiyidingi i-akhawunti’.
“Okungangabazeki wukubhebhetha kobuchwepheshe, ukwanda kokubusebenzisa nobuhle babo kubantu base-Afrika,” kuphetha uSanni.
FUNDA NALAPHA: https://www.umbele.co.za/2024/06/10/sekuneziko-lezempilo-elenza-impilo-ibelula/