Abantu baseNingizimu Afrika bantula ulwazi ngemali – uTshabalala
WUSLINDILE KHANYILE
KUNINGI osekwenziwe yimboni yezimali ukufukula abantu, ikakhulu labo ababencishwe amathuba kodwa kuningi esengakwenza ukunciphisa ukungalingani nokuqinisekisa ukuthi wonke umuntu ubamba iqhaza emnothweni.
Usho kanje uMnu uSim Tshabalala, isikhulu esiphezulu eStandard Bank Group engxoxweni ekhethekile noMbele.
FUNDA NALAPHA: https://www.umbele.co.za/2025/03/14/i-standard-bank-ingenise-ur45-billion-ngonyaka-odlule/
UTshabalala uthe kuyiqiniso ukuthi le mboni ayikwazi ukuzishaya isifuba ngokuthi abantu ababengenawo ama-akhawunti asebhange sebenawo bese kuphelela lapho ngoba akugcini lapho ukuqinisekisa ukuthi wonke umuntu ubamba iqhaza emnothweni.
“Kunomsebenzi okufanele wenziwe ukuphucula ulwazi lwabantu ngemali eNingizimu Afrika; yinkinga yomphakathi. Umqulu wemboni yezimali namaqhinga esinawo ebhange… sinazo izinhlelo zokufundisa abathengi futhi siyazama ukunika abantu amakhono.
“Kunezinhlelo esizenza nosomabhizinisi abancane ukubafundisa izinto ezifana nokuthi uyifunda kanjani i-income statement (isitatimende esisho ukuthi ungenise malini), i-balance sheet (isitatimende esiveza yonke into ngebhizinisi okufaka izimpahla elinazo nezikweletu), ukuhlanganisa uhlaka lokwakha ibhizinisi, ukufaka isicelo sokuboleka imali nokuba nezindlela enkampanini yakho eziqinisekisa ukuthi iyangena imali, uyakhokhelwa ukuze uthenge isitoko ngesikhathi futhi ukhokhele abakukweletayo),” kusho yena.
Enye yezindlela okubonakala ngayo ukushoda kolwazi ngezezimali ezweni wukuthi kunenqwaba yabantu ekhokhela omasingcwabisane kodwa yidlanzana elizilungiselela ukuthatha umhlalaphansi.
Ngokusho kweFinmark Trust, abantu baseNingizimu Afrika basebenzisa uR10 billion ngonyaka ukukhokhela omasingcwabisane kodwa wu-10% kuphela okufika isikhathi sokuthatha umhlalaphansi ukulungiselele kahle loku.
“Into eyodwa enkulu sonke esingayenza kakhulu wukufundisa abathengi kodwa ngaphezu kwaloko, wukufundisa ngemali futhi nokufundisa ngomnotho. Amazwe avelele kakhulu emhlabeni ayaqinisekisa ukuthi abantu bawo banolwazi ngomnotho kanti umphumela waloko wukwanda kwabantu abaqala amabhizinisi,” kwengeza uTshabalala.
Lo mphathi ohola ibhange elikhulu kunawo wonke e-Afrika ngokwezimpahla elinazo, uthe yingakho nomsebenzi owenziwa yiBhange loMbuso wokuphucula izindlela abantu abazisebenzisayo zokukhokha ubalulekile ngoba nawo enye inhloso yawo wukwandisa isibalo sabantu ababamba iqhaza emnothweni nokuqinisekisa ukuthi izindlela abantu abazisebenzisayo ziphephile.
Inkaba kaTshabalala iKwaHlabisa, enyakatho yeKwaZulu-Natali. Unina wayeyinesi, okwathi uma esethuthela eGoli, eGauteng, wahamba wayohlala noninakhulu nomkhulu wakhe eBurgersdorp, eMpumalanga Kapa. Ugogo wakhe wayewuthisha, umkhulu wakhe ewuthishanhloko nomdikoni eSheshi, lapho naye esasonta khona namanje.
Enye yezinto avame ukuyigcizelela uTshabalala uma ekhuluma nabezindaba wukuthi into ayiphokophelayo usuku nosuku wukwenza okungangamandla akhe ukwenza okulungile, into athi wayifundiswa wuninakhulu uMaMgcina.
“Yiyona nto nathi (nomkakhe) esiyifundisa abantwana bethu,” kusho yena.
UTshabalala uyachachamba ebusweni uma ekhuluma ngogogo wakhe. “Isipho esikhulu ugogo nomkhulu nabazali bami abangipha sona wuthando lokufunda nezincwadi. Okuhle ngako, uphumuza umqondo, ubuka izinto ngenye indlela futhi ufunda intobeko ngoba ngesikhathi ufunda, uyabona ukuthi kuncane kangakanani okwaziyo futhi ngifisa sengathi abantu abaningi bebengafunda,” kusho yena.
UTshabalala owakhulela naseSoweto, eGauteng, uneminyaka ewu-25 afika eStandard Bank Group. Khona wafunda eSacred Heart College Observatory, eyayibizwa ngeMarist Brothers ngaleso sikhathi, kanti owayenguthishomkhulu wakhe uBrother uNeil McGurk naye wabanesandla esikhulu ekumfundiseni nasekumgqugquzeleni ngokubaluleka kokwenza okulungile njengoba amfundisa nangezincwadi ezigxile kakhulu kuloku zikaSt Thomas Aquinas.
Uthi waqale wacabanga ukuthi indlela yokwenza loku wukubawummeli kodwa washeshe wabona ukuthi le mboni ayingangaye, yize ewuthanda umthetho futhi ulwazi lwawo elusebenzisa emsebenzini wakhe.
Uthi ziningi ezinye izinkampani ayengazisebenzela kodwa wakhetha leli bhange emva kokuthi owayewungqongqoshe womNyango weziMali ngaleso sikhathi uMnu uTrevor Manuel amemezela ukuthi ngeke avume ukuthi iNedbank ithenge iStandard Bank.
“Umbono enginawo ngempilo yami, izimiso zami nengangifisa ukukuzuza empilweni kwakuhambisana nezinto leli bhange elizimele futhi loko akukashintshi kule minyaka ewu-25 kanti usuku nosuku luyakhula uthando lwami ngomsebenzi esiwenzayo.
“Siqashe abantu abawu-50 000 kanti alukho usuku lapho ngingachazeki khona uma ngibuka indlela abantu abenza umsebenzi wabo ngayo. Wumlando ukuthi sisemazweni awu-20 e-Afrika futhi sizimisele ukuyikhulisa. Uma ungabuza noma wubani lapha, angakutshela ukuthi yileyo injongo yakhe,” kusho uTshabalala.
Enye yezinto ezisematheni yindlela iMelika eyenza ngayo izinto kusukela kubuyele uMnu uDonald Trump esikhundleni sokubawumengameli. Ziningi izinqumo asezithathile njengokuhoxisa usizo okulekelelwa ngalo amanye amazwe nokuhoxa esivumelwaneni esasayinwa eParis, eFrance, mayelana nendlela amazwe asezonakekela imvelo ngayo, i-Paris Agreement.
I-Standard Bank Group ingenye yezinkampani ezizibophezele futhi eqhakambisa ukubaluleka kokunakekela imvelo. Nokho-ke uTshabalala uthe into emqoka wukuthi iMelika yizwe elibuswa wumthetho, hhayi umuntu.
“Ngakho uma izinto zishintsha, umthetho yiwona ozokhonya. Bahoxile esivumelwaneni saseParis kodwa umhlaba uphokophele ekulweni nokuguquguquka kwesimo sezulu futhi imithetho ekuholela ekutheni ubhekane naloko izoqhubeka. Unyaka odlule yiwona nyaka owawushisa kakhulu kunayo yonke emlandweni. U-2025 uzoshisa kakhulu.
“Izikhukhula esizibonayo ezithinta imiphakathi yakithi, ezisithintayo ngqo, zidinga ukuthi kubenendlela esingenelela ngayo, ngakho kukhona okufanele sikwenze ukunciphisa isisi esingcolisa umoya futhi kufanele sakhe amabhuloho nemigwaqo okukwazi ukumelana nalezi zimo, siqinisekise ukuthi imiphakathi yethu ayakhi ezindaweni okulula ukuthi ziguguleke. Zonke lezi zinto zibalulekile futhi azishintshi ngoba naku iMelika ihoxile kwi-Paris Agreement, kuphela nje kusho ukuthi kufanele sazi ukuthi yiyona ndlela iMelika ebona ngayo izinto okwamanje,” kusho yena.
Ngomhlaka-27 kuMashi bekuphela iminyaka eyisihlanu izwe lavalwa ngenxa yokubheduka kwe-COVID-19. UTshabalala uthe kuningi akufunda ngalesi sikhathi ngomndeni wakhe, ukubaluleka kokulalela amakhasimende akho, ukubaluleka kwezokuxhumana nokutshela abantu iqiniso.
“Ngiwumuntu ohlale ekholwa wukuthi izinto zizolunga. Kwakungaqali nge-COVID-19 ukuthi kuhlasele ubhubhane futhi olunye luyophinde luhlasele. Imqoka isayensi, ezokuxhumana, ukhulume into ecacile futhi utshele abantu iqiniso kubalulekile.”
Enye yezindlela uhulumeni ozama ngazo ukusiza osomabhizinisi ngesikhathi se-COVID-19 wukukhipha isibambiso sikaR200 billion esanikwa amabhange ukusisebenzisa uma abantu beboleka imali. Noko kule mali, kwagcinwa kubolekwe ngaphezudlwana kukaR20bn ngoba abanye abantu babemanqika ukwandisa izikweletu abanazo kodwa okunye wukuthi yize kwakukhona isibambiso sikahulumeni kodwa amabhange awayithambisanga imibandela ayibekayo uma eboleka amabhizinisi imali.
UTshabalala uthe kubalulekile ukuqonda ukuthi amabhange kufanele aqikelele futhi aqinise isandla ngoba imali ayisebenzisayo akuyona eyawo, ngakho awakwazi ukwenza noma yikanjani ngemali yabanye abantu.
“Sithatha imali yakho futhi sifuna ukuqinisekisa ukuthi uyakwazi ukuyithola imali yakho uma usuyidinga. Uma siboleka umuntu imali, imvamisa siyagxekwa ngaloku futhi ngiyaye ngizame ukukuchaza loku ukuthi yize sizenza izinto ezinobungozi kodwa asifuni ukulahlekelwa yimali ngoba siyinkampani emukela izimali zabantu,” kusho uTshabalala.
Egcizelela loku uTshabalala uthe enye into enhle eNingizimu Afrika wukubakhona nokusebenza kwezinhlangano ezinjengeBhange loMbuso nomlawuli wemboni yezimali iFinancial Sector Conduct Authority.
Okunye ngaye:
- Uganiwe;
- Unamadodakazi amabili;
- Une-Bachelor of Arts ne-LLB kwaseRhodes University, i-Masters of Law yaseNotre Dame Law School, i-Higher National Diploma in Taxation Law yaseWits University;
- Uthanda ibhola lezinyawo nebhola lombhoxo;
- Uwumlandeli weKaizer Chiefs;
- Uthanda i-jazz ne-classic;
- Ngale kokufunda izincwadi, enye indlela aphumula ngayo wukupheka nokuvakasha. Ukudla akushayayo yi-oxtail, ipapa no-curry.