ISabelomali asikona ukucaza imali nje kodwa sinamathuba kosomabhizinisi abancane, kuloba u-Oscar Siziba
NJENGOBA iNingizimu Afrika ilungiselela iSabelomali sango-2025 osomabhizinisi abancane bazobe bethe njo ukubheka ukuthi zikhona yini izinkomba zokukhula komnotho, ukutshala imali nemithetho ezobeseka.
ISabelomali sezwelonke akuwona nje umcimbi wokucaza imali kodwa yisona esicacisa ukuthi umnotho wezwe ubheke kuphi, yisona esifaka ugqozi kosomabhizinisi, abatshalimali nangokusebenza kwamabhizinisi onkana.
Kuqinisa idolo ukuthi i-International Monetary Fund ibikezela ukuthi umnotho wezwe uzokhula ngo-1.5% kulo nyaka, okusho ukuthi uzosimama kancane. Yize kusenezinselelo kodwa loku kusho ukuthi izinto zizobangconywana emabhizinisini amancane okuyiwona amisa umnotho, kufanele abheke azokuhlomula kulo nyaka.
Uma sesidlula ezindabeni zokuthi umnotho uzokhula kanjani, iNingizimu Afrika izobe ineqhaza elibabulekile njengoba izosingatha iG20 nengqungquthela yosomabhizinisi iB20 ezoza namathuba ahlukene emabhizinisini. Njengoba amazwe ezobe ehlangene ebhunga izindaba zohwebo, ukutshala imali nentuthuko engayilimazi imvelo, amehlo azobe ethe njo kwiNingizimu Afrika.
Ingqungquthela yeB20 iyona ehlanganisa osomabhizinisi kwiG20, iyindawo lapho abaholi bemboni yamabhizinisi bekwazi ukuba nezwi elizoletha imithetho ezobanemiphumela emihle emabhizinisini.
Emabhizinisini amancane lesi yisikhathi sokuveza ubuhlakani nezindlela ezihlukile asebenza ngazo, yisikhathi sokwakha ubudlelwano obusezingeni lamazwe omhlaba nokungena ezimakethe zakwamanye amazwe.
Ukugxila kwengqungquthela ekutheni ukusimama komnotho akungashiyi muntu ngaphandle kuhambisana nokuzibophezela kweStandard Bank Business and Commercial Banking, kokwenza amabhizinisi ase-Afrika ukuthi asimamise umnotho.
Phezu kwalezi zindaba ezinhle ngekusasa kodwa zisekhona izingqinamba. Isibalo sabaswele umsebenzi sisephezulu kwazise ngekota yesithathu yango-2024 besiku-32.1%. Kunesidingo sokuthi kwenziwe imithetho esiza osomabhizinisi abancane ukuthi basimame bakwazi ukudala nemisebenzi.
Uhulumeni usushaye imithetho elekelela osomabhizinisi abancane, okubalwa i-National Small Enterprise Amendment Act, ehlose ukususa imicikilisho ephazamisa osomabhizinisi abancane nokubelekelela. Usungule futhi isikhwama esisiza osomabhizinisi abancane esibizwa ngeSmall Enterprise Development Finance Agency.
Lesi sikhwama sizosondeza usizo lwezimali nezinsiza ezidingwa wosomabhizinisi kusungulwe futhi ihhovisi lomxazululi wezinkinga zamabhizinisi amancane i-Office of the Small Enterprise Ombudsman, eliqinisekisa ukuthi osomabhizinisi abancane benzelwa iqiniso.
Lezi zinguquko bezibalulekile ukususa imicikilisho evimba osomabhizinisi abancane ukuze bakwazi ukusebenza kahle.
Ukusebenzisa ubuchwepheshe nokulandela ushintsho olwenzekayo kulabulekile emabhizinisini amancane. Uma kukhulunywa ngokusebenzisa ubuchwepheshe kusho ukuthi amabhizinisi awasebenzise izindlela zobuchwepheshe ukukhokha okubalwa ama-digital payment platform, i-cloud computing ne-automation.
Lobu buchwepheshe benza umsebenzi ubelula, kunciphe nezindleko zokusebenza. Kolunye uhlangothi ukusebenzisa ubuchwepheshe kuhambisana nokushintsha izindlela zokusebenza, ukuxhumana namakhasimende nokuncintisana, i-artificial intelligence nokusebenzisana nabanye. Ukuchuma kokusebenza kobuchwepheshe nokuguquka kwezobuchwepheshe kushintsha ukuncintisana kosomabhizinisi abancane emhlabeni.
Ukutholakala kwe-Standard Bank Business and Commercial Banking ezimakethe eziwu-20 zase-Afrika kuvulela osomabhizinisi indlela yokuhweba ezimakethe ezaziwayo, besizwa ngabantu abanobuchule ngemikhiqizo ezobasiza ukuhweba emazweni ahlukene.
Ukuqonda kwethu izivumelwano zohwebo lwesifunda nezasemhlabeni jikelele, okubalwa ne-African Growth and Opportunity Act kusenza sikwazi ukusiza osomabhizinisi baseNingizimu Afrika abafuna ukudayisa imikhiqizo yabo emakethe yaMelika ngaphandle kokukhokha intela. Okubasiza ukuthi bangene kwenye imakethe, ikakhulu embonini yokukhiqiza, ezolimo nendwangu.
I-Business and Commercial Banking inolwazi olunzulu ngohwebo ne-China, izwe elinezivumelwano eziningi zohwebo namazwe ase-Afrika. Loku kusiza amakhasimende ukuthi akwazi ukungena ezimbonini ezidingeka kakhulu. Imikhiqizo yethu ebizwa nge-Africa-China trade solutions, i-forex solutions nokusebenzisana nabahwebi baseChina siyakwazi ukufaka osomabhizinisi base-Afrika eChina ngaphandle kalula.
Ukuba yingxenye ye-African Continental Free Trade Area kwenza sikwazi ukulekelela osomabhizinisi ukuba bahwebe kahle e-Afrika, sisusa imicikilisho evimela uhwebo kosomabhizinisi abancane abafuna ukusebenza nakwamanye amazwe. Ubukhona bethu e-Afrika, ukubanezivumelwano zohwebo emhlabeni jikelele kwenza singabi nje yibhange kuphela kodwa sibawumsizi wokusimamisa amabhizinisi ngoba sinesisekelo songoti abakwazi ukwakha ubudlelwano.
Ukuqhubeka ngesivinini kwango-2025 kusho ukuthi amabhizinisi amancane kufanele athole umsebenzi omusha ngokusebenzisa ubuchwepheshe, ukwakha ubudlelwano nokusebenzisa amathuba ohwebo avelayo.
Uma ethola ukusekwa okufanele amabhizinisi amancane azokwazi ukuphumelela futhi azosimamisa umnotho waseNingizimu Afrika. Ukuhambisana nalesi simo iStandard Bank inemikhiqizo efanele yobuchwepheshe ezosiza amabhizinisi ukuthi akwazi ukusimama, azimele ezimakethe.
- USiziba uyinhloko ye-Coverage: Business Banking eStandard Bank