Amabhange asekhaleni lokumisa imboni yomshwalense ezimweni ezinzima zomnotho, kuloba uChris de Klerk
SESISIDE isikhathi manje kwanda isibalo samakhasimende aya emabhange ukuzofuna umshwalense wokungcwaba, okwengeza ekumeni kwemboni yomshwalense nakuba imali esalayo ngemva kokukhokhela izindleko yemizi yabantu ibiloku incipha ngonyaka odlule.
E-Standard Bank sibone ukwanda ngo-17% uma kuqhathaniswa lo nyaka nodlule kumakhasimende amasha kuzekuphele uJuni wango-2024.
Okunye wukuthi imali ekhokhwa ngenyanga amakhasimende amasha azimisele ukuyikhokha iqhubekile nokukhuphuka. Cishe okunika ithemba kakhulu wukwehla kwesibalo sabantu abahluleka wukukhokha ngenyanga esikubonile. E-Standard Bank sibone kwehla kwabangaphansi kuka-17% uma kuqhathaniswa nakwamanye amabhange. Loku kusimama kukhombisa isimo samanye amabhange, njengoba le mboni idlondlobala ekudayiseni izinhlobo zomshwalense ezihlukene.
Akuzenzakaleli loku. Kukhombisa ushintsho ekwenzeni kwamakhasimende, njengoba abantu beya emabhange abo ukuyofuna ezinye izinto ngale kokuyokwenza izinto ezenziwa ebhange.
Ziningi izizathu zalolu shintsho. Nakuba amakhasimende amaningi athatha umshwalense njengezindleko okubuhlungu ukuzikhokhela. Nakuba kwesinye isikhathi kungelula kodwa abantu abaningi bawuqonda kahle umsebenzi wekhava yokungcwaba. Loku kuyayisiza le mboni njengoba amabhange eseyizindlela ezilula zokudayisela amakhasimende awo izinhlobo ezihlukene zomshwalense. Nakuba isibalo sabantu abaya emagatsheni sinciphile, abantu abaningi basangena ngaphakathi emagatsheni abo noma sonke sesisebenzisa kakhulu ama-app okubhenka. Loku kusho ukuthi imishwalense etholakala kulezi zinkundla iseduze.
Imboni yamabhange isisebenzise loku kuthenjwa nokujwayeleka ukudayisa ezinye izinto nokukhuthaza amakhasimende ukuthi ahlele isimo sawo sezimali ngale kwezindleko zomngcwabo ngokudayisa izinto “ezingaphezu komshwalense wokungcwaba”.
Izibalo zocwaningo lomshwalense olwenziwe yiNMG Consulting ziveza ukuthi uhhafu wamakhasimende eStandard Bank Insurance ahola ngaphezu kukaR25 000 ngenyanga athatha ikhava engaphezu kwezindleko zomngcwabo.
Amaningi enza loku ukuqinisekisa ukuthi kunemali esalayo yokondla abantu abondlayo uma kukhona okungawavelela. Cishe u-50% wenye ikhava uya ezindlekweni zokuphila, kuthi u-24% uye ezindlekweni zemfundo.
Kuqapheleka ukuthi ayanda amakhasimende athatha umshwalense womngcwabo obizayo athatha umshwalense wokukhava abantu abondliwa yiwona, hhayi bemindeni yabo kuphela kepha nezihlobo. Njengoba kukhona izihlobo ezondliwa yiwona, la makhasimende asukumela indaba yokugada lezi zimo.
Loku kwenza kuqhakambisa iqhaza elishintshayo lamabhange asengabahlinzeki bezinto eziningi ezithinta imali nokuphepha.
Ukushintsha kwezinto ezithengwa yimali nokwenza impilo ibelula kwenza amakhasimende abuke amabhange ngaleli so. Kuqala izinto zomshwalense bezithathwa njengezinto ezinesithunzi kepha manje sezihambisana nezidingo ezihlukene zamakhasimende. Isibonelo nje, “i-cover extender” yaseStandard Bank ibhekene ngqo nesidingo samakhasimende abuye angaholi. Loku kwenza ukuthi ikhava yekhasimende ingapheli ngenxa yokuthi kunenyanga engakhokhelwanga. Sinciphisa imali kunokuqeda umshwalense. Loku kwenza ikhasimende likwazi ukubanomshwalense ngezikhathi zokuxakeka.
Impumelelo yokudayisa umshwalense incike ekwakheni ukuthembana nasekuletheni izisombululo ezilula, ezibalulekile nezindawonye. Amabhange asebenza ngezindlela ezihlanganise izinto zokubhenka, umshwalense nokonga azohlomula kulezi zindlela zokwenza izinto.
Le mboni isendaweni enhle yokuqhubeka nokushintsha nokuhlinzeka amakhasimende ngokuphepha akudinga ezindaweni ezihlukene empilweni.
- U-De Klerk uyinhloko ye-Insurance & Investments Broking eStandard Bank Personal and Private Banking