Ukunyuka kwama-subscription kukhombisa ukuthi abantu baseNingizimu Afrika abawunaki umphumela 

UBUCHWEPHESHE obusetshenziselwa ukudonsa umoya we-internet, i-wi-fi ne-data sebubalwa nezidingo zansuku zonke emakhaya aseNingizimu Afrika. Bayanda abantu abasebenzisa bona ukuqeda isizungu, ukungena ezinkundleni zokuxhumana nokubuka izindaba zaphesheya. 

Abantu abaningi kuyabasiza loku ukuqeda ukhwantalala kodwa kunyusa izindleko zenyanga emakhaya amaningi njengoba amanani ama-subscription ekhula unyaka nonyaka.

Izindleko zamakhasimende eStandard Bank zitshengisa ukuthi imali ebhekiswa ekukhokheleni ama-subscription isinyuke kakhulu kangangokuthi kweminye imindeni isidla ngaphezu kwenkulungwane yamarandi zinyanga zonke. Lokhu kunciphisa imali esala ebhange ukunakekela ezinye izidingo nokubekela ikusasa .  

“Sonke siyadinga ukusebenzisa ingxenye yomholo wethu ezintweni ezisijabulisayo. Inkinga wukuthi njengoba imiholo inyuka, nezindleko ziyakhuphuka, imvamisa singanakile. ‘Ukunyuka kwamanani’, okufaka nezindleko zama-subscription kunganciphisa imali umuntu asala nayo futhi kubambezela ukubeka imali kagadingozi,” kusho inhloko yeStandard Bank Money Management and Advisory uNks uDoret Jooste.  

Izindleko zama-subscription emakhaya 

Imali abantu abayikhokhela ama-subscription ihlukene. Kodwa imvamisa abantu abahola kakhulu basebenzisa ngaphezu kukaR1 000 ngenyanga. Abahola kancane basebenzisa okungenani uR336 ngenyanga ukukhokhela ama-subscription, kuthi abahola umholo ophakathi nendawo bakhokha uR482.

Amadoda aneminyaka engaphezu kwewu-40 ahola kakhulu yiwona akhokha imali enkulu kakhulu. Kodwa nabesifazane abakuleli zinga nabo bakhokha ngaphezu kukaR1 000 ngenyanga ezintweni ezibukwa ngobuchwepheshe, ezempilo nezinye ezitholakala ngobuchwepheshe. 

Kubantu abahola imiholo ephakathi nendawo nalabo abahola kakhulu, amadoda asebenzisa imali engaphezu kwabesifazane kanti amakhasimende amadala imvamisa azibophezela ezinkontilekeni zesikhathi eside, okunyusa izindleko. Uma kuqhathaniswa nabahola kancane, amakhasimende aneminyaka engaphezu kwengu-60 awayinaki kangako indaba yama-subscription.

“Abantu  abayinaki imali abayikhokhela ama-subscription. Abaningi  bathatha ama-subscription ngaphandle kokubheka izidingo zabo,” kuxwayisa uNks uJooste. 

Loku kunganaki kunomphumela omubi ezimalini, ikakhulu emizini lapho abantu behola khona kancane. Nokho akugcini ngaloku. Kunamakhasimende anama-akhawunti emabhange ahlukene okungenzeka ukuthi anama-subscription nakuwo lawo mabhange futhi. Kukhona nama-subscription akhokhelwa ezitolo. Ngakho-ke, kungenzeka ukuthi imali abantu abayisebenzisayo kuma-subscription ingaphezu kokubonwe yiStandard Bank. 

“Uma sibheka amakhasimende anama-akhawunti emabhange ahlukene namakhasimende akhokha ezitolo ngqo, umphumela wemali ekhokhwa kuma-subscription ungabamkhulu kakhulu kunesikubonayo,” kuchaza yena. 

Yimaphi ama-subscription athandwa kakhulu?

Izinto ezibukwa emazikweni obuchwepheshe nezikaqedisizungu yikona okudla imali kakhulu kulandelwe ezempilo, ukuzivocavoca, i-software neminye imisebenzi etholakala ngobuchwepheshe. Abahola kakhulu bavamise ukuthatha ama-subscription okufaka amaziko obuchwepheshe bemali (i-fintech) ne-software ethuthukile. 

Izinto ezibukwa emazikweni obuchwepheshe nezikaqedisizungu yizona  ezihamba phambili nasemizini yabantu abahola imiholo ephakathi nendawo nabahola kancane. Lezo zinto zidla ngaphezu kuka-68% wemali ekhokhelwa ama-subscription. Ezempilo, ukuzivocavoca, i-software neminye imisebenzi yobuchwepheshe nakho kuyakhula. 

Umphumela wokuthatha imali yama-subscription uyisebenzisele enye into

Uma sibheka imali esetshenziswayo ukukhokhela ama-subscription,  abantu abaningi bangathatha iminyaka engafikile kwemihlanu ukonga  umholo wenyanga uma nje bengathatha imali yama-subscription bayisebenzise ngenye indlela. Leli thebula elingenzanzi litshengisa isikhathi ongasithatha okuqokelela omholo wenyanga noma wezinyanga ezintathu uma wonga imali oyikhokhela ama-subscription zinyanga zonke:

Uhlobo lwekhasimende	Imali ekhokhelwa ama-subscription ngenyanga	Isikhathi okuzosithatha ukonga ngenyanga	Isikhathi okuzosithatha
Elihola kancane	U-R336	Iminyaka ewu-4.2	Iminyaka ewu-12.6
Elihola ephakathi nendawo	U-R482	Iminyaka ewu-3.5	Iminyaka ewu-10.5
Elihola kakhulu	U-R1 255	Iminyaka ewu-2.9	Iminyaka ewu-8.7

• Lezi zibalo zihlanganiswe kuthathwa ngokuthi inzalo phezu kwenzalo izongenisa u-7% njalo ngenyanga.

UNks uJooste uphakamisa lezi zindlela njengezinyathelo ongazithatha: 

• Buyekeza ama-subscription: Jwayela ukubuyekeza okukhokhelayo ukuze usale nokudingayo bese okunye uyakukhansela. 
• Zama ukuthola amanani aphansi noma uhlanganise izinto: Zama ukuthola isivumelwano samanani aphansi noma ukuhlanganisa izinto ozikhokhelayo ukwehlisa izindleko. 
• Sebenzisa izinsiza zokuhlanganisa isabelomali: Ama-app abheka izindleko ozikhokhelayo njenge-Standard Bank Money Manager angakusiza ubone lapho unganciphisa izindleko khona.
• Yenza ukuthi imali oyongayo ibanjwe kwi-akhawunti – Hlela ukuthi imali ozoyonga ibanjwe emholweni.
• Xoxa nomeluleki: Uma ungenasiqiniseko ngendlela osebenzisa imali ngayo, khuluma nomeluleki wakho wezimali ukuze ubenohlelo. 

“Ngokuthatha lezi zinyathelo unganciphisa izindleko ezingenamsebenzi futhi uphucule isimo sakho sezimali,” kusho uNks uJooste. 

Uthe izibalo zitshengisa ukuthi abantu babenemali uma bezimisela ngokonga, hhayi ngoba behola kakhulu.