Ama-2000 awahlukile kwisizukulwane esidala kwezezimali – umbiko
YINTATHELI YOMBELE
KUYE kubenokungatholani phakathi kwama-Gen Z, abantu abazalwe phakathi kwango-1997 kuya ngo-2012 nabantu abadala. Bavame ukubizwa ngama-2000 futhi banolimi lwabo oluhlukile abalusebenzisayo, yindlela yokuziphatha nesiko labo.
Kunomehluko omkhulu phakathi kwabo nabantu abadala ngendlela yokuphila nokuziphatha nsuku zonke.
Nakuba impilo nokuphatha imali kwabo kuhlukile kodwa umbiko wesibili ogxile kubantu abasha i-Standard Bank Youth Barometer Report, ukhombisa ukuthi izifiso zentsha ngekusasa ziyafana nezezizukulwane ezindala. Intsha yaseNingizimu Afrika ifuna ukuzimela ngokomnotho, ibenemizi, imisebenzi emihle nempilo ende emnandi.
I-Standard Bank ibambisene neYouth Dynamix neLiberty, embikweni i-Youth Barometer yalo nyaka iveza ukuthi intsha yaseNingizimu Afrika iyaxoxa ngama-credit card, ukonga imali, ukuyitshala, iyashesha ukuhlela ezezimali futhi inezinhloso ngemali ngendlela okungalindelekile kuyona.
Isaqhubeka nokulandela izinhlelo zokuzimela ezazilandelwa ngabaphambi kwayo. Ithenga imizi yize kube kubenengcindezi yokuyikhokhela, isebenzisa isikweletu ngendlela ehlelekile ukuze ikwazi ukuzakhela igama elihle lokusebenzisa imali, iyonga, itshala imali futhi iyashesha ukubanomshwalense. Ithatha izinqumo ezizakwalayo, ifuna inqubekelaphambili uma ithenga izimoto, loku kuyishintshile imboni yezimoto njengoba kubonakala kukhula ukudayisa kwezimoto zaseChina.
Okwenza lolu cwaningo lubaluleke wukuthi intsha yamanje inezinselelo ezintsha. Ikhula lapho ukubaneziqu zemfundo ephakeme kungaqinisekisi ukuthi umuntu uzosebenza kahle futhi isimo sezimali asisaqondeki kalula njengoba kwakwenzeka kudala.
Inhloko ye-Personal Banking eStandard Bank South Africa uNks uTshiamo Molanda ithi intsha iyalihlelela ikusasa yize kukuningi okuvimba umuntu ukuthi aphile kahle.
“Esikhundleni sokuphela amandla ngesimo somnotho esingesihle, ukunyuka kwenzindleko zokuphila, ukungasheshi kokufezeka kwezifiso zayo, iyaqhubeka nokuyihlelela kahle imali ibe ibhekene nezinselelo,” kusho yena.
UNks uMolanda uthi ama-Gen Z ayayihlelela imali
Uma kubhekwa ukusebenzisa imali, ukuyonga nokuboleka kwamakhasimende eStandard naweLiberty aneminyaka engaphansi kwewu-35, umbiko uveza ukuthi intsha iyakwazi ukubhalansisa izifiso zayo nesimo sayo sezimali.
Ukubhekana nesimo sayo sezimali akusho ukuthi ayisazifiseli okuhle kodwa ibheka ezokwazi ukukwenza bese ithatha izinqumo ezifanele ezihambisana nemali yayo. Iyaqhubeka nokubanezifiso njengabantu abadala kodwa umehluko wukuthi ibhekana ngqo nesimo ekusona bese iza nezindlela ezintsha zokufeza izifiso zayo.
I-research and insights lead eLiberty uNkk uZandile Makhoba ithe isimo somnotho sezwe senze intsha ekwazi ukuthatha izinqumo eziphusile ngenxa yokuthi iqonda ukuthi ikusasa alaziwa.
“Intsha yamanje ikhula emhlabeni ongaliqinisekisi ikusasa ngenxa yokuthi imisebenzi ayisafani nakudala. Sithole ukuthi intsha iyashesha ukuhlelela ikusasa ayenzi loko abantu abakulindele kuyona njengoba kucatshangwa ukuthi ayilihleleli ikusasa,” kusho yena.
Uma kubhekisiswa indlela eboleka ngayo imali: ucwaningo lubheke ukusebenzisa ama-credit card, ukutsheleka imali nemibandela ehambisana nokuboleka imali.
Ama-credit card neminye imikhiqizo yokuboleka imali: Izimo eziphuthumayo nezindleko ezingalindelekile kwenza kubenemikhiqizo ehlukene yokuboleka imali. Kodwa, ama-credit card ayaqhubeka nokusebenza ukulawula imali nokukhokhela izindleko zansuku zonke zabantu abaneminyaka engaphansi kwewu-35.
Umholo wabo omningi uyaqhubeka nokungena kumakhadi ukuze bakwazi ukukhokhela izindleko zabo zansuku zonke bese bekhokhela imali abayisebenzisile kuwo ukuze bakwazi ukuthola imihlomulo ethize.
I-Debt consolidation: Kubalulekile ukuthi eminyakeni ewu-30 kuya kwewu-35 intsha isebenzisa ama-personal loan ukuhlanganisa izikweletu bese zibayisikweletu esisodwa ekwazi ukusikhokhela. Loku kuyishiya inemali yokwenza ezinye izidingo.
Izizathu ezinganakiwe zokutsheleka imali: Ukulungisa imizi nokuthola imali yokwenza amabhizinisi okuphanta yizona zizathu ezenza intsha iboleke imali.
Izifiso nokufuna ubunikazi: Umbiko ubheka ukuthenga izimpahla zayo nokubaluleka kokubanento yakho.
Ukuthenga imoto: Ukwanda kwezimoto zase-Asia, ikakhulu ezaseChina, kwenza ukuthenga izimoto ezintsha kubelula futhi zithengeke. Kuyishintshile indlela yokuthenga izimoto ezintsha nezingamasekeni, kushintshe nokuthanda amagama ezimoto kwandisa ukuthenga izimoto ezingabizi kakhulu.
Mayelana nokukhokha kwabantu abasha: Umbiko uveza ukuthi intsha ikhokha ngamakhadi obuchwepheshe, isebenzisa o-tap to pay, okusho ukuthi iyashintsha ekusebenzise amakhadi aphathwa ngesandla. Isinemali yobuchwepheshe ama-digital wallet ekhokha ngayo.