IBhange loMbuso lichaza ngokwenzeka e-Ithala

YINTATHELI YOMBELE

IBHANGE loMbuso lithola imibuzo eminingi ngesinqumo sophiko lwalo olungamele izinkampani ezisebenza ngemali iPrudential Authority (iPA). Lithi ngaphandle kwemibuzo kubuye kuvele imininingwane engesilo iqiniso ezindabeni edinga ukucaciswa. 

IBhange loMbuso lithi okwamanje alikwazi ukuphendula eminye imibuzo ngenxa yokuthi udaba selusezithebeni zenkantolo. Ukuthola kabanzi ngomsuka walolu daba abantu bangangena lapha.

Nansi imibuzo eseqhulwini:

1) Uma Ithala lalingakaze libhalise njengebhange, kungani belivunyelwa ukuthatha amadiphozithi? 

Yize Ithala lingakaze libhalise njengebhange kodwa belinikwe ushwele wokusebenza njengebhange (okubalwa ukuthi lamukele amadiphozithi kubantu), belisebenza ngaphansi kwemibandela engafani neyamanye amabhange. 

Lolu daba beluphethwe yiRegistrar of Banks nongqongqoshe womNyango weziMali. Kuthe uma sekusungulwa iPA umsebenzi we-Registrar of Banks wathathwa yiyona. Yonke imibandela ibicacisa ukuthi Ithala akufanele lihlanganise amadiphozithi neminye imisebenzi eliyenzayo, okubalwa kuyona ukubolekisa ngemali. Ithala alizange liyilandele imibandela ebelibekelwe yona. 

2) Ngabe amisiwe wonke ama-akhawunti ebhange Ithala? 

Cha. Umlawuli i-repayment administrator (i-RA), oqokwe yiPA ucele i-Absa ukuthi imise ama-akhawunti aphathelene nokuthatha amadiphozithi e-Ithala. Kusho ukuthi kusukela ngomhlaka-16 wangoJanuwari kulo nyaka, Ithala alivumelekile ukuthatha amadiphozithi noma imali elondolozwa kuma-akhawunti, alikwazi nokukhokha ngemali esuka kulama akhawunti. Loku kuthikameze nabafaka imali e-Ithala.

FUNDA NALAPHA: https://www.umbele.co.za/2025/01/17/lizovalwa-ithala-eseliphelelwe-wushwele/

 Lesi sinqumo senziwa ukuvikela ababeka imali kuleli bhange, esimweni lapho wonke umuntu ezovele anqume ukuyokhipha imali yakhe, okungaholela ekutheni ibhange liwe. Ukumiswa kwama-akhawunti kuyasiza ukuqinisekisa ukuthi abantu bathola imali yabo ngendlela ehlelekile futhi eneqeniso uma sekuqala izinhlelo zokuvala ibhange. 

Khumbula: I-Absa ibilekelela noma njengoba Ithala lingakaze libenelayisensi yamabhange. 

3) Ngabe umlawuli noma iPA beqe isinqumo sejaji leNkantolo eNkulu eMgungundlovu? 

Cha. I-PA nomlawuli abakaze benze okuphambene nomyalelo wejaji eliwukhiphe eNkantolo eNkulu eMgungundlovu. Kulo myalelo laqinisekisa ukuthi umlawuli unamandla okulawula ukufakwa kwemali ebhange futhi Ithala akufanele lemukele amadiphozithi. 

Umlawuli usefake isicelo sokudlulisa lesi sinqumo ngoba simvimba ukuthi angemele zonke izimpahla ze-Ithala. Umlawuli ubona kufanele ukuthi engamele zonke izimpahla zebhange njengoba ne-Ithala lingazange lihlukanise umsebenzi walo wokuthatha amadiphozithi neminye, okubalwa ukuboleka abantu imali. 

Yize isicelo sokudlulisa icala sihoxisa ukusebenza kwesinqumo senkantolo kodwa umlawuli wenze konke okusemandleni ukulandela umyalelo wejaji. Kuloko umlawuli umise ama-akhawunti athinta ukuthi Ithala lithathe amadiphozithi, okuhambisana nesinqumo senkantolo. 

4) Ngabe umlawuli waqamba amanga ngesimo semali se-Ithala ukuze kuvalwe leli bhange?

Cha. Umlawuli uqale uphenyo oluzimele ngesimo sezimali se-Ithala. Umbiko uveze ukuthi Ithala alinayo imali edingekayo, okusho ukuthi izikweletu elinazo zidlula izimpahla zebhange. Okucacile wukuthi Ithala linezikweletu ezifika kuR2.79 billion, linezimpahla ezifika kuR2.35 bn, okusho ukuthi lishoda ngoR441.63 million.

Umbiko okhombisa ukuthi Ithala alinayo imali wathunyelwa enkantolo ngesikhathi kufakwa isicelo sokuthi livalwe futhi uyaziwa emphakathini. 

I-PA ibike ukuthi phakathi komhlaka-31 wangoMashi wango-2008 nomhlaka-31 wangoMashi wango-2024, Ithala lilahlekelwe wuR520m. Lesi sikhungo besiloku sinezindleko ezingaphezu kwaso, okuyinto esibeka engcupheni. 

5) Uzokwaziswa nini umphakathi ngesinqumo sokuvala lesi sikhungo?

I-PA nomlawuli basalinde isinqumo senkantolo ngesicelo sokuvala lesi sikhungo. 

6) Ngabe bekuyisinqumo somlawuli ukufaka isicelo sokuthi kuvalwe Ithala? 

Cha. Umlawuli akasebenzi ngaphandle kwePA. I-PA iqoke umlawuli ngaphansi kwesigaba 84 somthetho wamabhange i-Banks Act 94  wango-1990, ecacisa amandla nemisebenzi yomlawuli. Umlawuli wenza umsebenzi wakhe asuke ewunikwe yiPA. Akukho lapho umlawuli enza khona izinqumo ezithinta Ithala ngaphambi kokucela imvume yePA. 

Isicelo sokuvala Ithala safakwa yiPA, ilandela i-Banks Act. I-PA iyona yodwa efake isicelo sokuvala Ithala. Umlawuli ufana nomuntu obiziwe enkantolo kulesi sicelo. 

Ukuqokwa komlawuli kwenzelwa ukugada izimpahla zaleli bhange nokuqinisekisa ukuthi abantu bathola imali yabo. 

7) Ngabe umlawuli noma iPA badlulisele imininingwane yamakhasimende e-Ithala kwelinye ibhange ngokungemthetho? 

Cha. Umlawuli ulandela umyalelo wePA esixoxe namabhange athile abhaliswe ngokusemthethweni ukuze kube yiwona akhokhela abantu, phecelezi ama-repayment bank. Loku kuzoqinisekisa ukuthi abantu abakweletwa yi-Ithala bayakhokhelwa. Lesi sinyathelo sibalulekile ngaphansi komthetho wamabhange. 

8) Ngabe kuvaliwe ukukhokhela izikweletu ze-Ithala?

Cha. Amakhasimende e-Ithala kufanele ayikhokhe imali ayebolekwe yona. Umsebenzi wePA awuthinti ukubolekisa ngemali kwe-Ithala. I-PA ayazi nge-SMS ethunyelelwa amakhasimende e-Ithala ukuthi awakhokhe imali ayeyibolekile kwi-akhawunti ye-Absa.