Izinga lokhwantalala olubangwa yimali liwu-70% – ucwaningo
YINTATHELI YOMBELE
UCWANINGO olusha luveza ukuthi abantu abasenalo ixhala ngesimo sabo sezimali, okwehlise ukhwantalala ababenalo lwaya ezingeni elalikulona ngo-2022.
Lolu cwaningo olwenziwe yinkampani esiza abantu abacwile ezikweletini, olubizwa nge-DebtBusters Money-Stress Tracker, lwenziwe kubantu abawu-27 000 ngoMeyi nangoJuni.
Kuvele ukuthi u-70% wabantu ababuziwe ubanokhwantalala lwezimali. Lesi sibalo sisuka ku-78% esasikuwona ngo-2023 no-75% ebesikuwo ngonyaka odlule. Yize lehlile ixhala ngenxa yokungabinemali eyanele kodwa impilo yansuku zonke isenzima kwabaningi.
Kubantu abathe banokhwantalala lwezimali u-91% uthi luphazamisa impilo yemindeni yabo, u-73% uthe lubaphazamisa emsebenzini, kwathi omunye u-73% wathi lunomphumela omubi empilweni yabo.
Abantu besifazane yibona abathwele ijoka lokukhathazeka ngezimali njengoba abathathu kwabane bethi banokhwantalala. Bakhathazeke ngo-10% owengeziwe ngesimo sabo sezimali uma beqhathaniswa nabantu besilisa. Ukhwantalala lwezimali lubenza bakhathazeke ngokuphindwe ngo-20% owengeziwe ngomsebenzi, impilo nangemindeni yabo uma beqhathaniswa namadoda.
Ucwaningo luthole ukuthi ukhwantalala kubantu besifazane basemadolobheni lwehle ngo-5% kuya ku-15% kuyo yonke imikhakha yempilo kusukela ngonyaka odlule. Ukwehla kokhwantalala kuwumphumela wokuthi aziziningi izimo eziphuthumayo ezweni, lapha kubalwa ukucima kukagesi, ukwehla kwamandla emali nokuthi abantu sebefunde ukuphatha imali kangcono. Sebeyakwazi ukuhlelela isikhathi eside.
FUNDA NALAPHA: https://www.umbele.co.za/2025/07/15/kwehlisa-umthwalo-ukuhlanganisa-izikweletu/
Udokotela wengqondo uDkt Andrea Kellerman uthi ukwehla kokhwantala lwezimali ngo-5% lusuka ku-75% ngonyaka odlule kwenza abantu balale kahle futhi bazizwe ngcono.
Ngo-2022 nango-2023 abantu ababuzwa ocwaningweni babefuna eminye imisebenzi eholela kangcono noma baqale ezinye izinto eceleni. Ngonyaka odlule abantu bebefuna usizo lokubhekana nezikweletu ezinkampanini ezenza lo msebenzi. Kulo nyaka abantu bazama ukuqala ezinye izinto ezizobangenisela imali.
Inhloko enkulu yenkampani esiza abantu abacwile ezikweletini iDebtBusters uMnu uBenay Sager ithe yize lwehlile ukhwantalala lwezimali kubantu kodwa bangaphezu kuka-90% abantu baseNingizimu Afrika abanenkinga yezIkweletu kodwa abangalufuni usizo olufanele.
“Loku kusho ukuthi kufanele siqhubeke nokufundisa abantu ngokubaluleka kokwehlisa ukhwantalala, sibafundise ukuphatha imali, siibagqugquzele ukuthi basheshe bafune usizo, sibenezinhlelo zokukhombisa ukuthi abantu abafuna usizo ngezikweletu zabo akufanele bacwaswe noma babukwe ngenye indlela, ukuzekubelula ukufuna usizo kubantu abampintshekile.”
Izinto ezikhathaza abantu abanokhwantalala lwezimali wukuthi kuphela inyanga bengasenayo imali nokuthi abakwazi ukukhokhela zonke izikweletu zabo nyanga zonke.
Ngokweminyaka abantu abaneminyaka ewu-35 kuya kwewu-44 yibona abakhathazeke kakhulu ngesimo sabo sezimali. Abaneminyaka ewu-45 kuya phezulu bakhathazekile ngempilo abazoyiphila uma sebethathe umhlalaphansi.
Loku kuthiwa yinto enhle ngoba kukhombisa ukuthi sebeqalile ukucabangela isikhathi eside.
Abantu abahola kancane yibona abakhathazeka kakhulu ngomphumela wokunyuswa kwemalimboleko, okukhuphula izindleko zabo. Yize ukubiza kukagesi kukhathaza wonke umuntu kodwa abantu abahola kakhulu bakhathazekile ngempilo abazoyiphila uma sebethathe umhlalaphansi.
Abantu abahola ngaphezu kukaR20 00 ngenyanga yibona abakhathazeke kakhulu ngezimali, yibona futhi abathola izikweletu kalula ezigcina sezidlula umholo wabo.
Uma kubhekwa ngokwezifundazwe abantu abahlala eNtshonalanga Kapa bakhathazekile ngezimali zabo badlula abaseGauteng, okuyibona abebenokhwantalala ngonyaka odlule.
ENtshonalanga Kapa yikhona futhi lapho abantu bekhathazekile ukuthi bazobanezindleko eziningi uma sebethathe umhlalaphansi. ENyakatho Kapa, eMpumalanga naseLimpopo abantu bakhathazeke ngokubiza kukagesi nangemalimboleko.
Uma kubhekwa ukukweleta nokukhokhela izikweletu, u-63% wabantu ubeka u-30% wemali ongenayo ukukhokhela izikweletu. U-48% wabo usebenzisa ngaphezu kuka-40% ukukhokhela izikweletu, okuyizinga elinganele.
Abantu abaneminyaka ewu-45 kuya phezulu bakhokhela izikweletu eziningi, njengoba besebenzisa u-60% wemali engenayo ukuzikhokhela.
Abantu abahola ngaphezu kukaR20 000 nabo banezikweletu eziningi. Abantu abawu-37% ababuziwe bathi sebeyihlisile imali abayisebenzisa nyanga zonke uma kuqhathaniswa nabawu-43% ababesho loku ngo-2022. Loku kusho ukuthi abantu abasekho magange ukonga.
Abantu abawu-35% ababuziwe bafuna imisebenzi eholela kangcono. Ngo-2022 bawu-26% ababefuna imisebenzi eholela kangcono.
Abantu abaneminyaka engaphansi kwewu-35 yibona abakwazi ukuhlela izimali futhi benze akade bekuhlelile. Yibona abawufuna ngempela umsebenzi njengoba ucwaningo luthi u-25% wabo uyakwazi ukumelana nokhwantalala lwezimali uma uqhathaniswa nabantu abaneminyaka engaphezu kwewu-35.