Ufundisa abesifazane ukonga imali nokuphila ngangamandla
WUBONISWA MOHALE
UMA ingane ilambile ayikuceli ukudla kuyise kodwa itshela unina. Yilesi sizathu esenza uNkk uNcumisa Ndelu wasungula ikhasi labesifazane elibafundisa ukonga imali nokuthenga ukudla ngendlela eyonga imali.
UNkk uNdelu waseMlaza, eThekwini, KwaZulu-Natali, usungule ikhasi le-Facebook labantu besifazane elinabalandeli abangaphezu kwabawu-833 000 elibizwa nge-1 Family 1 Stockpile. Leli khasi walisungula ngo-2016 ngenhloso yokusiza abantu abesifazane ukuthi bangamosi imali uma bethenga ukudla.
“Ngesikhathi ngiqala i-1 Family 1 Stockpile ngangingazi ukuthi yikhasi elizokhula lihlanganise abantu besifazane bazo zonke izinhlanga namazwe ahlukene abangaphezu kuka-800 000. Isibalo engangithi sizongijabulisa kwakungesabantu (abawu-100). Namanje ngisamangala uma ngibuka izibalo zaleli khasi,” kusho yena.
Uthi ukubona ukuthi abantu besifazane banakekela wonke umuntu yikona okwenza ukuthi afune ukubasiza.
“Ngiqale ngizama ukulungisa inkinga yabantu besifazane abasebenzisa imali budedengu kodwa kwagcina sekuvumbuka nokunye okuningi ebengingakwazi. Angifuni ukubona umuntu wesifazane engena esitolo, ekhithiza nje, ngaphandle kokuzibuza ukuthi akukho yini lapho into ayithengayo ibiza imali encane. Ngifuna abantu besifazane bathenge ukudla okwanele bona nemindeni yabo, baze bakwazi ukukuqongelela ukuze kubalonde isikhathi eside,” kusho uNkk uNdelu.
Amanani okudla ngenye yezinto ezidla kakhulu imiholo yabantu futhi ingenye yezindleko eziloku zinyuka mawala kule minyaka. Ngokusho kwenhlangano ebuyekeza amanani okudla iPietemaritzburg Economic Justice and Dignity Group ukudla okwanela umndeni wonke sekubiza okungenani u-R5 300 ngenyanga. Le nhlangano ibuyekeza amanani okudla ezifundazweni ezinhlanu ezweni.
UNkk uNdelu uthi ngaleyo ndlela uma owesifazane eseqongelele ukudla okwanele umndeni wakhe izinyanga noma unyaka ukwazi ukulondoloza imali ukuze enze ezinye izidingo. Ukwazi nokuthenga izinto ezincane ngenyanga, umholo wakhe noma imali ayitholayo ingapheleli ekudleni.
Yize uNkk uNdelu aqala ikhasi ngenhloso yokusiza abantu esifazane ukonga imali kodwa usekwazile ukuthola ithuba lokuyofunda kabanzi ngezinkundla zokuxhumana nokusiza umphakathi kwi-Facebook Community Learning Program futhi waya engqungqutheleni i-Facebook Communities Summit, lapho amenyezelwa wangomunye wabahlomule kwi-Facebook Community Accelerator.
Loku kwamsiza ukudala amathuba omsebenzi njengoba edinga abantu abamsiza ngekhasi lokudayisa nokubheka imisebenzi futhi usiza abanye ukuthola amathuba ebhizinisi nawokuzisimamisa.
Uthi okumthokozisayo wukuthi ikhasi lakhe akulona nje elokusiza abanty besifazane ngemititilizo kodwa libasiza ukonga imali, ukuvula amabhizinisi nokubacija ngamakhono.
Ufundisa ukuzinakelela ngokubakhumbuza izifo okufanele bazihlolele, imikhiqizo engabasiza ukuphila kangcono, amasu okuphila kahle emoyeni nasengqondweni nokunye.
Phakathi kwezinselelo aseke wabhekana nazo ubala eyokunquma ukusebenzisa isiNgisi ekhasini lakhe njengoba kuyilona oluqondwa ngabantu abaningi futhi oluhlanganisa abantu baseNingizimu Afrika nabomhlaba abakhuluma izilimi ezihlukene. Uthi loku abanye babekubuka njengokuthi uyancetheza.
Okunye okumkhathazayo wukuthi amaqola ake azama ukusebenzisa izithombe zakhe aqamba namakhasi anegama elinjengelakhe ngenhloso yokuqola abantu.
Ukhuthaza abantu ukuthi babenobudlelwano obuhle nemali. “Ngifisa ukuthi abantu nayo yonke imindeni ibenohlelo lonyaka olucacisa izidingo nezindleko zakhona ukuze basheshe bazihlele. Asikwazi ukwenza amaphutha afanayo njalo. Kubalulekile ukuthi umndeni ubenemali oyibekela izimo eziphuthumayo. Loku kusiza ukuvimba ukuthi abantu bazithole sebexhashazwa womashonisa,” kucwayisa yena.
Izibalo ezisanda kushicilelwa yiDebtBusters, inhlangano ecwaninga ngokuthi abantu baseNingizimu Afrika bazikhokhela kanjani izikweletu, ziveze ukuthi yize abantu bezamile ukuphungula izikweletu ngokucaphuna empeshenini yabo besebenzisa uhlelo i-Two-pot retirement, eyethulwe wuhulumeni ngonyaka odlule, kodwa abantu abaningi basacwilile ezikweletini.
Le nhlangano ithe ngekota yokuqala kulo nyaka, abathengi abawu-91% abafake izicelo zokuncishiselwa izikweletu bebenemali abayibolekile kanti abawu-37% bebeboleke imali ekhokhwa emva kwenyanga, phecelezi i-payday loan. Cishe abantu basebenzisa u-69% womholo wabo ukukhokhela izikweletu.
“Abathengi abathwele kanzima kakhulu ngabantu abahola uR5 000 kwehle ngenyanga, abasebenzisa u-76% wemiholo yabo ukukhokha izikweletu. Abahola uR35 000 kuya phezulu basebenzisa u-77% ukukhokhela izikweletu,” kusho iDebtBusters.
Lo mama onamadodakazi amabili uthi uthando lokusiza abantu waluthola kunina owayewuthisha futhi ekhonze ukusiza abantu. Waqala ukusebenza eyintatheli ngaphambi kokuyosebenza kuhulumeni, lapho esaqashwe khona namanje.
Amasu ayisithupha okonga:
1) Phila ngokungangamandla akho;
2) Yazi umehluko phakathi kwesikweletu esifanele (njengokuthenga noma ukwakha indlu) nesimosa imali (ese-akhawunti yezingubo);
Yenza isabelomali esibheka izidingo zansuku zonke;
3) Qinisekisa ukuthi ufundisa izingane zakho ngemali ngokuzichazela ngezinqumo ozenzayo;
4) Qinisekisa ukuthi unemali oyibeka nyanga zonke, ulandele isabelomali sakho ukuze ungakhithizi ngokweqile;
5) Bheka izindlela ezihlukene zokonga imali, okuba ezezidingo okufanele usheshe uzifeze nalezo ongazifeza emva kwesikhathi eside;
6) Bhekisisa imititilizo ngoba uma uwazi kahle amanani ezimpahla ezihlukene, uzoyibona imititilizo yangempela.