Ukhwantalala lwemali ludlangile kubantu eminyakeni emihlanu – ucwaningo
YINTATHELI YOMBELE
BANGAPHEZU kwango-70% abantu baseNingizimu Afrika abanokhwantalala ngenxa yokukhuphuka kwezindleko zokuphila ezingahambisani nemali abayitholayo.
Loku kuvele ocwaningweni lwaminyaka yonke olwenziwa yinkampani esiza abantu abacwile ezikweleti iDebtBusters. Lolu cwaningo i-DebtBusters 2026 Money-Stress Tracker lwenziwe kubantu abawu-18 000 kanti lona wunyaka wesihlanu lwenziwa.
Inhloko enkulu yeDebtBusters uMnu uBenay Sager ithe ucwaningo lwalo nyaka luveza ukuthi baningi kakhulu abantu baseNingizimu Afrika abanokhwantalala ngenxa yokukhuphuka kwezindleko zokuphila. Ukhwantalala luphazamisa impilo emakhaya, emsebenzi nokuphila kwabantu.
“Kubantu abawu-18 000 abaphendule imibuzo, abawu-72% bathe banokhwantalala ngenxa yokuthi imali ayilingani nezidingo zabo. Nokho lesi sibalo sehlile kancane njengoba sasiwu-78% ngo-2023. Emakhaya ukhwantalala lwezimali lliwu-42%. Luphezulu uma luqhathaniswa nangonyaka odlule nango-2022,” kusho yena.
FUNDA NALAPHA: https://www.umbele.co.za/2025/07/29/izinga-lokhwantalala-olubangwa-yimali-liwu-70-ucwaningo/
Emva kweminyaka emibili kukhuphuka imalimboleko kuvela ukuthi ukuphelelwa yimali yezidingo zansuku zonke yikona osekukhathaza abantu.
Abantu sephila impilo yokuzithintitha amaphakethe ngenxa yezindleko
Izizathu ezimbili eziseqhulwini ekudaleni ukhwantalala kubantu wukuphelelwa yimali inyanga ingakapheli nokungabinemali eyanele yokukhokhela izikweletu. Esesithathu wukwehla kwamandla emali nokunyuka kwezindleko zokuphila, abantu bakhathazekile nangokhuphuka kwananani kwagesi. Loku kubakhathaza kakhulu njengoba kuze kwafinyelela ku-99%.
Ukubiza kwezindleko zempilo kusho ukuthi abantu abaningi basebenzisa imali abayiholayo engaphezu kwango-40% ukukhokhela izikweletu. Abantu abahola ngaphezu kwangoR20 000 ngenyanga kuthiwa bakhokha imali eningi ezikweletini.
U-Sager uthe kwi-middle class, abantu abawu-75% basebenzisa ngaphezu kwango-30% womholo abawuthola emva kokukhokha intela yezikweletu.
Abantu abaneminyaka engaphansi kwewu-35 nabo banokhwantalala olukhulu lwezimali. Abaxakeke kakhulu ngabaneminyaka ewu-24 njengoba ukhwantalala lwabo lukhuphuke ngo-18% uma luqhathaniswa nangonyaka odlule.
Okufanayo nakweminye iminyaka wukuthi abantu besifazane bakhathazeke kakhulu ngezimali uma beqhathaniswa namadoda. Bakhathazeke kakhulu ngemali njengoba kufanele bayihlukanise ngokwezidingo ezithile. Ukhwantalala lwasemakhaya luphezulu kakhulu kubantu besifazane kulo nyaka wesihlanu.
Ezimpendulweni ezingaphezu kwango-130 000 ezinikwe abacwaningi be-Money-Stress Tracker kule minyaka emihlanu kuvela ukuthi abantu bayakhathazeka ngezimali, bese kuba nokungahlaliseku emakhaya ngenxa yokuthi basebenzisa imali yabo engaphezu kwango-40% ukukhokhela izikweletu futhi bazizwa sengathi bagida ndawonye.
Udokotela wengqondo uDkt u-Andrea Kellerman uthe ukhwantala lwezimali lungenise nasemakhaya futhi alusali emsebenzi noma kwisabelomali somuntu ngamunye. Ngaleyo ndlela abantu akukho lapho bephephela khona ukuze baphole emoyeni.
“Uma abantu bekhathazekile emoyeni, baphelelwa yisineke, abakhulumi futhi kuvama ukungaboni ngaso linye. Ekhaya akube kusabayindawo yokuphumula kodwa kuba ngenye indawo yokucindezeleka engqondweni.”
Yize isimo sinzima kodwa uSager uthi nakuba abantu abaningi bengazimisele ukunciphisa imali abayisebenzisa nyanga zonke kodwa iningi liyazihlelela izimali.
Wenze isibonelo sokuthi intsha iyalulandela uhlelo lwesabelomali ezenzela lona futhi iningi layo libheka imisebenzi eholela kangcono. Abantu abasha abawu-58% banendlela yokubhekana nokhwantalala lwezimali.
Uma kubheka abantu baseNingizimu Afrika, abaningi uthi banendlela yokubhekana nokhwantalala lwezimali ngokutshala nokukhulisa izinto abangazidayisa, ukuthenga nokudayisa online nokuqashisa izindlu.
Bancane abantu abasaba ukucela usizo uma benokhwantalala lwezimali kanti ukuzinyeza ngokucela ukululekwa ngezikweletu kwehle ngo-23%.
“Ukuzimisela ukubhekana nezikweletu nokwazi ukuthi kufanele umuntu alufune nini usizo kukhombisa ukuthi abantu abawu-80% abanezikweletu eziningi bazokwazi ukuthola usizo abaludingayo kubuyisela isimo sawo sezimali kwesijwayelekile,” kusho uSager.