Izindleko zokunyula empeshenini ziyizigidigidi – ucwaningo

WUSLINDILE KHANYILE

IZINDLEKO ezihambisana nokucaphuna empeshenini singakafiki isikhathi sokuthatha umhlalaphansi kusukela kwethulwa i-two-pot retirement system ziwuR1.6 billion.

Ucwaningo olwenziwe wumlawuli wemboni yezimali iFinancial Sector Conduct Authority (iFSCA) luveze ukuthi izinkampani ezilawula izimpesheni zikhokhise amalungu azo cishe uR252 umuntu ngamunye kanti kuye nohlobo lwenkampani, kwabanye abantu le mali ifinyelele kuR3 072.  

I-FSCA yenze lolu cwaningo ngenxa yezikhalo ezitholile mayelana nezindleko ezikhokhiswa amalungu ezimpesheni uma zifisa ukunyula empeshenini yazo. Ziwu-117 izinkampani lo mlawuli azithumelele imibuzo kanti zingu-82 agcine ehlanganise imiphumela yocwaningo ngazo. 

“Lezi zindleko zithinta ukuphucula izindlela okwenziwa ngayo izinto ukuze zikwazi ukumelana nalezi zicelo, izindleko ezihambisana nokuqhubeka ukubheka lo msebenzi, ukufundisa amalungu (ezikhwama zempesheni), ezokuxhumana (nokusabalalisa ulwazi) nezindleko zokuyikhipha imali. Abalawuli nezikhwama eziningi zikhokha lezi zindleko ngokunyusa imali eziyibamba nyanga zonke noma njengemali yezindleko zokukhipha imali kule ngxenye ebekiwe noma kokubili,” kusho iFSCA.  

I-two-pot retirement system iqale ngoSepthemba ngonyaka odlule ngenhloso yokugqugquzela abantu ukuthi kuhlale kunemali abayibekele impesheni kodwa futhi bakwazi ukucaphuna emalini abayibekile ngisho bengakayi empeshenini uma kukhona into abayidingela imali. 

Uhulumeni wenza loku njengeminye yemizamo yokuphucula isibalo sabantu abathatha umhlalaphansi bekulungele ukukwenza njengoba bebancane kakhulu abantu baseNingizimu Afrika okufika isikhathi sempesheni bezilungiselele kahle, akukhathaleki ukuthi bebesebenza kahle kangakanani.  

Ekuqaleni konyaka uphiko oluqoqa intela iSouth African Revenue Service lwathi kusukela ngoSepthemba kuze kubewuJanuwari selukhokhe uR43.42bn emva kokuphasisa izicelo ezingu-2.4 million kweziwu-2.6m kweyazithola. 

Ucwaningo olwenziwa yiFNB ngemihlalaphansi ngonyaka odlule lwaveza ukuthi bawu-48% abantu baseNingizimu Afrika abangenayo nhlobo imali abayongayo ukulungiselela umhlalaphansi kanti kubona abawu-50% abanawo, iningi ngeke libenemali eyanele uma sekufike leso sikhathi.

FUNDA NALAPHA: https://www.umbele.co.za/2024/11/25/abanye-bahlehla-nyovane-ukucaphuna-empeshenini-ngenxa-yentela-umbiko/

I-FSCA iveze ukuthi bawu-12 abalawuli bezikhwama zempesheni abathwale izindleko eziningi kanti okunye okuvelile wukuthi ezinye zezindleko ezinkulu kubengezokuqeqesha izisebenzi zezikhwama zempesheni njengoba ziwu-20% wemali.

“Nokho-ke kuqaphelekile ukuthi u-35% wabalawuli ubungenazo izindleko zokuqeqesha izisebenzi kanti wu-50% kuphela owengeze isibalo sezisebenzi. Labo abaqashe izisebenzi ezithe xaxa noma abavule ama-call centre, cishe lezi yizindleko ezizoloku zikhona,” kuqhubeka iFSCA.  

Yize ingxenye enkulu yalezi zindleko ikhokhwa ngabanikazi bempesheni kodwa u-40% wezikhwama zempesheni uveze ukuthi uzozithwala wona izindleko ezikhokhwa kanye. Eziwu-35 ziveze ukuthi zizokhokhisa amalungu azo lezi zindleko kancane kancane kanti loku kuzokwenzeka isikhathi esiyiminyaka emithathu kuya kweyishumi.  

Okunye okuvelile wukuthi abantu abaningi (abawu-82%) bebezifaka izicelo ngokugcwalisa amafomu. Ziwu-50% izikhwama ebezinamaziko obuchwepheshe angasetshenziswa amalungu azo, kuthi eziwu-18% bezisebenzisa noWhatsApp nobunye ubuchwepheshe bezingcingo noma amaziko abaqashi kanti bawu-17% abebezifaka nge-email, kuthi abawu-12% bebenzelwa ngabanye abantu.