Umshwalense wamakhasimende amabhange usunoR20 billion 

WUBONISWA MOHALE 

ISIKHWAMA somshwalense ovikela abantu abalondoloze imali emabhange aseNingizimu Afrika iDeposit Insurance Fund (iDIF) isinoR20 billion. 

Lezi zindaba zivele embikweni osanda kwethulwa yiCorporation for Deposit Insurance (iCODI) engaphansi kweBhange lomBuso. Yenza isiqiniseko sokuthi uma amabhange ewa noma evala ngezizathu ezithile, amakhasimende awalahlekelwa yimali ayilondolozile. 

I-CODI iqale ukusebenza ngokusemthethweni ngo-Ephreli wonyaka odlule ngenhloso yokuvikela abalondoloza imali emabhange. Ukusebenza kwayo kushayelwe izandla ngemva kokuthi abantu bebone sibamuncu isimo kuwa iVenda Mutual Bank (iVBS).

Umbiko weCODI uveze ukuthi amabhange asekwaze ukubeka imali ewuR20bn. amabhange yiwona afaka imali yokuvikela amakhasimende awo kwiDIF. 

Kuqala imali yokuvikela abantu ibihlanganiswa wuhulumeni obekufanele uthathe kwintela yomphakathi ukuze unxephezele abalahlekelwe yimali. 

FUNDA NALAPHA: https://www.umbele.co.za/2024/06/27/isizohlale-ivikelekile-imali-ebhange-ngenxa-yecodi-isikhulu/

Phakathi kwezindaba ezinhle ezisembikweni weCODI, ithe isikwazi ukuvikela u-95% wabo bonke abantu abalondoloze imali emabhange ngoR100 000 umuntu emunye. Imali yesinxephezelo uma kuwe ibhange igcina kuR100 000. Abantu abasuke belondoloze imali engaphezu kukaR100 000 bayakwazi ukufaka isicelo sesinxephezelo uma umlawuli obheke izindaba zebhange eliwile eseqede umsebenzi wakhe.  

Abavikelekayo ngabantu abalondoloze imali kulama akhawuntu alandelayo i-savings, fixed, notice ne-cheque. I-CODI ivikela amabhange awu-33 asebenza eNingizimu Afrika, lapha kukhona ama-commercial bank awu-14, ama-co-operative bank amahlanu, ama-mutual bank amathathu namagatsha awu-11 amabhange akwamanye amazwe kodwa anamagatsha kuleli zwe. 

Ngesikhathi kwenziwa lo mbiko kubenoshintsho olwenzekile njengoba iGrinrod Bank Limited ingene ngaphansi kwe-African Bank. 

Ukuze kubelula ukuthi abantu babone ukuthi amabhange abalondoloze imali kuwona anomshwalense, iCODI ifuna abeke obala isitifiketi sokuthi ukhona lo mshwalense kuwo wonke amagatsha nasezinkundleni zawo zokuxhumana ngobuchwepheshe. 

Umbiko weCODI uthi kusukela kulo nyaka kuze kube wu-2030 izoqinisekisa ukuthi loR20bn osukhona uyakhula njengoba kuzoqokwa abakwazi ukulawula izimali. 

Kuzobanezikhathi zokuhlola ukuthi iCODI izokwenzan kanjani uma kuwa ibhange futhi ihlela ukubanezithangami zokucobelela umphakathi ulwazi ngomsebenzi wayo. 

I-CODI izophucula ubuchwepheshe bayo ukuze ikwazi ukubanayo yonke imininingwane yamakhasimende amabhange. Ihlela ukuzimela ngokugcwele ngokwezimali ngokuthi izintela ezikhokhwa ngamabhange ziyilekelele ukwenza umsebenzi wayo.