Kusinda kwehlela embonini yamatekisi ngenxa yezikweletu, kuloba uJabulani Sikhakhane
BATHWELE kanzima osomatekisi, imboni eyaduma umhlaba wonke ngesikhathi sobandlululo ngokuba yindlela yabantu abamnyama yokuzizamela phezu kokucindizelwa nokuncishwa amathuba okuzithuthukisa ngokomnotho.
Ubufakazi balobu bunzima yisimo sezimali sezinkampani ezimbili eziboleka osomatekisi imali yokuthenga amakhumbi amasha navusiwe.
Lezi zinkampani seziphoqeke ukuthi zinyuse inani lemali eziyicishayo emabhukwini azo ezimali ngoba sezilahle ithemba lokuthi osomatekisi basayokwazi ukuyikhokha.
Lobu bunzima abethusi. Umbiko ngokusebenza kwezokuthutha ezweni owakhishwa yiKhomishini yokuNcintisana ngo-2021 waveza ukuthi inzalo ekhokhwa wosomatekisi uma beboleka imali kulezi zinkampani iphezulu kakhulu futhi ibeka le mboni engcupheni.
Imali yenzalo ekhokhwa wosomatekisi ilawulwa yiNational Credit Regulator (iNCR), eyasungulwa wuhulumeni ngo-2005 emva kokwanda kwezindlela ezibolekisa imali kubantu ababengakwazi ukuboleka ebhange.
Lezi zindlela zazinemikhutshana yokugcina amakhadi asebhange amakhasimende ukubamba imali nyanga zonke uma ikhasimende lihola.
Ngaphansi kwalo mthetho kunohlobo lokubolekisa ngemali olwaziwa ngokuthi olwentuthuko, phecelezi, i-developmental credit. Luhlukaniswe imikhakha emithathu. Owokuqala, yimali ebolekwa ukuze umuntu akhokhe izindleko zemfundo. Owesibili, owemali ebolekwa ukwakha, ukunweba noma ukuphucula indlu. Kuthi owesithathu kube oqondene namabhizinis amancane.
Ngaphansi kwalolu hlobo, izinkampani ezibolekisa ngemali zivunyelwe ukukhokhisa inzalo enqunywa yiNCR. Lo mlawuli uvumela lezi zinkampani ukuthi zikhokhise inzalo exube izinto ezimbili.
Eyokuqala inzalo (27%) enqunywa yiNCR, izinkampani ezibolekisa ngemali ezingavunyelwe ukuyeqa. Ingxenye yesibili yimalimboleko iBhange loMbuso elibolekisa ngalo imali emabhange azimele. Le nzalo isiwu-8% emva kokwehliswa ngenyanga edlule.
Uma zihlanganiswa zombili kusho ukuthi izinkampani ezibolekisa ngemali ngokwe-developmental credit, zingakhokhisa inzalo okungamele idlule ku-35% ngonyaka.
Uphenyo lweKhomishini yokuNcintisana lwaveza ukuthi izinga lale nzalo ekhokhwa wosomatekisi lubethwesa umthwalo onzima. Ikhomishini yathola ukuthi inzalo ekuleli zinga inyusa izindleko zosomatekisi, yehlise nenzuzo yabo, ikakhulukazi abanetekisi eyodwa.
Loku kugcina kunyuse inani losomatekisi abehluleka wukukhokha isikweletu, okwandisa igama elibi lale mboni kubantu ababolekisa ngemali. Ukwanda kwegama lokuthi osomatekisi bayehluleka ukukhokha izikweletu zabo kuphoqa izinkampani ezibolekisa ngemali ukuthi zinyuse inzalo, okuphinde kwengeza ebunzimeni bale mboni.
Konke loku kwenza amabhizinisi osomatekisi abenozwelo kakhulu enanini labagibeli athwalwa mihla namalanga. Ukuncipha kwesibalo sabagibeli kusho ukwehla kwemali engeniswa yibhizinisi, okulibeka engcupheni yokuhluleka ukubhekana nezikweletu.
Phezu kwemali yezikweletu, ibhizinisi lamatekisi lizwela kakhulu kwintengo kaphethroli. Lapha amatekisi afana nse namabhanoyi athwala abantu; ukuthi ibhanoyi ligcwele noma lihamba nabantu abancane akwenzi mehluko ezindlekweni zokuhamba kwalo, njengophethroli nezindleko zemiholo yabashayeli. Namatekisi analeyo nkinga.
Ake silinganise. Uma itekisi isuka eMlaza iya edolobheni eThekwini igcwele, idla uphethroi ofana nowetekisi ehamba nohhafu wabagibeli. Kusho ukuthi uhambo olunabagibeli abawuhhafu lushiya umnikazi wetekisi nezindleko zikaphethroli angeke aphinde athole ithuba lenkokhelo yazo. Nohambo lapho itekisi isuka eThekwini ibuyele eMlaza ingathwele bantu ngoba ijahe ukuthi abagibeli abaningi ngabaya edolobheni kudala inkinga ngoba izindleko zokuya eMlaza ngeke zikhokhelwe.
Kubanzima kakhulu uma intengo kaphethroliinyuka, njengoba kwenzekile eminyakeni edlule.
Ngamanye amazwi ibhizinisi lamatekisi lithathwa ngabantu ababolekisa ngemali njengelohlobo amandla alo okukhokha imalimboleko angemahle. Yiloku okwethulwa kwikhomishana yizinkampani ezibolekisa ngemali kosomatekisi.
Lezi zinkampani yiSA Taxi Finance, eyingxenye yenkampani amasheya ayo athengiswa eJSE, neBridge Taxi Finance. Sekuyiminyaka emibili lwaziwa udaba lobunzima obuthwele yiSA Taxi Finance.
Osomatekisi bakweleta iSA Taxi Finance uR17 billion. Le nkampani isiveze ukuthi ayisenathemba lokuthi osomatekisi bazokwazi ukukhokha ingxenye ewuR5.3bn yale mali. Yingxenye enkulu lena, eyenza kubenzima enkampani ebolekisa ngemali ukuthi isimame.
NeBridge Taxi Finance nayo isezinkingeni. Inkampani yomshwalense i-Old Mutual isanda kuveza ukuthi isibone ukuthi ibeke eceleni uR150 million ngoba ingasethembi kahle ukuthi iBridge Taxi Finance izoba namandla okukhokha isikweletu.
Ubunzima bosomatekisi buyinkomba yezinkinga ezikhungethe izwe. Phakathi kwazo wukwanda kwabantu abantula umsebenzi, ababulawa indlala, abakhungethwe wukunyuka kwezindleko zempilo, njengokudla nentengo kagesi.
Enye, izinkinga zemboni yamatekisi, engabathuthi abakhulu bezisebenzi zezwe nabantu abahola kancane, kuzodala izinkinga ezinkulu. Ngokwemininingwane yeStatistics South Africa, osomatekisi bathwala abagibeli abawu-15m ngonyaka.
Uma kunosomatekisi abangasakwazi ukuqhubeka nomsebenzi loku kuzokwenza izisebenzi zisale zingasenazinto zokugibela ezanele ukuya nokubuya emsebenzini.
