Akungagcinwa icala uma kufundiswa abantu ngokuphatha imali – umlawuli
WUSLINDILE KHANYILE, ebika eseSandton
KUFANELE kube nendlela yokufundisa abantu ukuthi yize kungabasiza ukucaphuna empeshenini yabo njengoba kuzokwethulwa i-Two-pot Retirement System ekugunyazayo loku kodwa ikhona nengozi yokuthi kubenomphumela omubi uma sekufike isikhathi sokuthatha umhlalaphansi.
Usho kanje uKhomishana wenhlangano elawula imboni yezimali iFinancial Sector Conduct Authority (iFSCA) uMnu u-Unathi Kamlana. Ubekhuluma engqungqutheleni okuhloswe ngayo ukubumba le mboni ukuthi isebenzisane ukufundisa abantu izindlela zokuphatha nokusebenzisa imali kahle i-Financial Education Summit.
Lo khukhulelangoqo ohlanganise izinhlaka ezihlukene embonini yezimali ubusemahhovisi eJohannesburg Stock Exchange, omunye wabaxhasi ngokubambisana neVisa, eSandton, eGoli, eGauteng.
I-FSCA ibihlele le ngqungquthela ngaphansi kophiko lwayo oluqondene nokufundisa umphakathi i-Financial Services Consumer Education Foundation.
UKamlana uthe akwanele ukuthi kuthiwe abantu bangenile emnothweni nokuthi kuthiwe babamba iqhaza uma bengenalo ulwazi olufanele ngokuthi kufanele bayisebenzise kanjani imali ukuzithuthukisa nokubeka ukuze babe naleyo yokugada ingozi.
“Ukufundisa abantu ukuphatha imali kubaluleke kakhulu kulesi sikhathi ngenxa yengcindezi ekhona ngenxa yokuthi impilo isiyabiza, isibalo esiphezulu sabantu abangasebenzi nokuthi abantu abaningi bacwile ezikweletini. Kufanele sibambisane ukufundisa abantu ukuze esikwenzayo kuzothela izithelo.
“Ucwaningo olwenziwa yiHuman Sciences Research Council ngo-2021 lwaveza ukuthi u-71% wabantu awunayo imali oyibekile ukugada ingozi. Lwaveza futhi ukuthi kunezigidi zabathengi ezisalele emuva ngezikweletu zazo ngezinyanga ezintathu kanti i-COVID-19 yakubhebhezela loku.
“Kubalulekile-ke ukuthi sihlomise abantu ngolwazi, bheka nje i-Two-pot Retirement System lena esizoqala… abantu abavunyelwe ukucaphuna empeshenini yabo kodwa kufanele baqonde nokuthi loko kungabalimaza ngokuhamba kwesikhathi ngoba imali yempesheni eyokusebenza uma ususempeshenini,” kusho uKamlana.
Kusukela ngenyanga ezayo impesheni isizohlukaniswa njengoba kuzoqhubeka ukuthi ingxenye enkulu kube ngebekelwa ukuthi umuntu aze ayithinte uma esesempeshenini, kuthi enye yongiwe ngendlela ezokwenza umuntu akwazi ukucaphuna kuyona uma eyidinga.
Ngokushintsha imithetho kanjena, uhulumeni uthe wenzela ukunciphisa isibalo sabantu abasula emsebenzini ngoba befuna ukuthatha impesheni yabo ngoba bexakwe yizikweletu nezinye izimo ezithinta ezimali. Uhulumeni uthe yilesi simo futhi esenza babebancane abantu okufika isikhathi sokuya empeshenini bekulungiselele kahle.
UKamlana uthe ukuhlomisa abantu ngolwazi kuseqhulwini emsebenzini weFSCA njengoba iwumlawuli wemboni yezimali ngoba akuthi shu ukubanemithetho emihle uma abantu bengafundisekile ngemali.
Unxuse izinkampani ezihlinzeka ngemali ukuthi zingawenzi umsebenzi wokufundisa abathengi ngoba zigcina icala.
“Ukufundisa abathengi ngoba umthetho uphoqa nokukwenza njengenye yezindlela izinkampani ezinikela ngayo, yizindlela ezimbili esizibonile ukuthi azisebenzanga ngoba bezenziwa ukugcina icala nokuzikhangisa. Umthengi ofundiseke kahle kulula ukuthi ayithembe imboni yezimali kanti siyabancoma asebeyiphuculile indlela abafundisa ngayo amakhasimende abo,” kuqhuba yena.
UKamlana uthe okunye okuzodinga ukubhekisiswa yiqhaza elibanjwa wubuchwepheshe endleleni imali ehlinzekwa ngayo futhi nalapho mkhulu umsebenzi odinga ukwenziwa ngoba nobuchwepheshe buhle kodwa kuningi obungozi obunako.
Umphathi weVisa eNingizimu Afrika uNks uLineshree Moodley uvumelene noKamlana ukuthi ukwanda kokusebenzisa ubuchwepheshe kwandisa izigameko zokuqola, nokungakho kufanele zonke izinhlaka zibambisane ukufundisa abathengi.
Uthe: “Kufanele kube yizinhlelo zokufundisa abathengi ezizothela izithelo, zifukule abathengi, hhayi nje ukuzikhangisa ukuze abathengi bezokwenza izinqumo eziphusile. Kufanele sisebenzise ulwazi esinalo ukwenza izinqumo zokuthi sifinyelela kanjani kubantu ngokuhlukana kwabo.”
UNksz uMoodley uthi ukufundisa abathengi akungenzelwa ukuzikhangisa kuphela
Isikhulu esiphezulu se-Association for Savings and Investment South Africa uMnu u-Adrian Burke sithe ukuntula ulwazi ngokuphatha imali akuyona into eyenzeka kubantu abathile kuphela kodwa yinkinga kubona bonke abantu eNingizimu Afrika ngoba izinto eziwumongo ngokusebenzisa nokuphatha imali, abantu abaziqondi. Naye uhlabe ikhwelo lokuthi imboni ibuyekeze indlela efundisa ngayo abantu.
“Esikoleni umuntu uyafundiswa, afundiswe, kubuyekezwe futhi abhale nezivivinyo ukuze into ayiqonde. Loko kusho ukuthi awukwazi ukutshela umuntu into kanye bese ulindela ukuthi uzoyibamba. Kufanele sibheke nendlela ulwazi esilusabalalisa ngayo, amaziko esiwasebenzisayo ngisho nolimi imbala,” kusho yena.
U-Burke uthi ukuntula ulwazi ngokuphatha imali yinkinga yawo wonke umuntu eNingizimu Afrika
Inhloso enkulu yokuthula i-Financial Education Summit wukuthi imboni ihlanganise umqulu ezowulandela ukwenza lo msebenzi i-Financial Empowerment Commitment Charter, okwethulwe uhlaka lwayo lokuqala izolo.
Lo mqulu uzobuyekezwa izinyanga ezintathu bese uchitshiyelwa kanti kuhlelwe ukuthi kushaye uMeyi noma uJuni ngonyaka ozayo ususayiniwe.
FUNDA LAPHA: https://www.umbele.co.za/2024/08/08/ukhukhulelangoqo-wemboni-yezimali-wokufundisa-abantu/