Ulibona ngani ‘ibhanoyi’ elizishaya ibhizinisi elizoqeda izinhlupheko zakho zemali, kuloba uNtokozo Biyela

KULE  ngosi ngithanda sibheke udaba lwama“bhanoyi”, phecelezi ama-pyramid scheme.  

Abaningi bathi uma befaka imali yabo kula mabhizinisi-mbumbulu bayifake ngethemba lokuthi bazohlomula inzuzo. Abasunguli bama“bhanoyi” bathi uma bewakhangisa kubantu bathi amabhizinisi okwazi ukonga imali ezothi uma ibuya ibuye nenzalo eningi.

Kukaningi sibona abantu belahlekelwa yimali “emabhanoyini” abekade becabanga ukuthi bazothola inzalo eningi kuwona. 

Abanye balahlekelwa yimpesheni yabo yonke “emabhanoyi” ngoba babecabanga ukuthi bazohlomula ngokutshala imali kodwa lutho.

Nali iqiniso elimile: abantu bayayithanda indlela elula yokwenza imali futhi baningi abangafuni ukusebenza kanzima ukwenza imali; abantu bafna ukufaka okuncane kodwa bazuze okukhulu. 

Yingakho-ke sibona abantu abaningi belutheka kalula ekufakeni imali “emabhanoyini”, ngisho bazi kahle kamhlophe ukuthi lapho befaka khona imali “yibhanoyi”. Abanye bashaya sengathi abazi ukuthi “yibhanoyi” kodwa ngaphakathi bazi kahle kamhlophe ukuthi bayagembula.

Abanye baluthwa ngokuthi kuthiwe ibhizinisi libhaliswe emNyangweni wezeziMali, liyaziwa futhi linawo wonke amalayisensi okuhweba. Nokho uma ubhekisisa uthole ukuthi ayikho yonke leyo nto. Kunanyekwa amaphepha angathi shu ezindongeni lapho kusetshenzwa imali khona.

Ubona ngani ukuthi “yibhanoyi”? Kulula kabi. Yazi nje ukuthi uma kuthiwa uzokwenza inzalo enkulu ngesikhathi esifishane. “Yibhanoyi” lelo. 

Alukho uhlobo lwebhizinisi emhlabeni olunika inzalo enkulu esheshayo engahambisani nemigomo ebekelwe abatshalimali. Ngeke ufake uR50 namhlanje, ngakusasa usuzala omunye uR50. Leyo yinzuzo ewu-100%. Ayikho into enjalo, “yibhanoyi” lelo.

Abantu abaningi baluthwa ngaleyo nto yenzalo bese wonke umuntu edela yonke imali anayo ayiqulele yonke ethi uyatshala kanti sekuwukugcina ukuyibona imali yakhe ngaloko. 

Uma nje kuke kwathiwa faka imali ethize bese uyofuna abanye abantu abayinani elithile ukuthi bafake inani elifanayo noma elithe xaxa kunolifakile, nabo bafune ababo, kufanele kukubonise ngokusobala ukuthi kukhona okushaya amanzi lapho.

 Iqhamuka kuphi imali engaka manje yokuthi bonke labantu abafake imali bahlomule? Awuzibuzi ngani loko kuqala?

“Amabhanoyi” asebenza kanje: abafaka imali kuqala kuba yibona abasetshenziswa ukulutha abangakangeni. Bafaka imali bese benikwa inzalo abasuke bethenjiswe yona ukuze babe ngabakhulumeli balo mgunyathi ukufakaza ukuthi ngempela uma ufaka imali uzozuza noma kanjani. 

Kulapho-ke kuza khona iqulu lizofaka imali. Abaphathi noma abasunguli be“bhanoyi” baqinisekisa ukuthi iningi labantu liyayithola le nzalo, basuke lapho bayothenga izinto eziwubukhazikhazi ukuze bakwazi ukudoba abangakangeni.

Ngenxa-ke yezinhliziyo ezingaphandle nokuthanda imali esheshayo indaba ye“bhanoyi” isabalala okomlilo wequbula, abantu beze ngobuningi babo bezotshala imali. 

Into abasuke bengayazi wukuthi iningi labo liyongena emgodini kwalasha, ngeke liphinde liyinuke imali yabo kwanzalo leyo.

Engingakuveza wukuthi abangena kuqala “ebhanoyini” yibona abavamise ukuhlomula ngempela bese kuthi abangena ekugcineni zibanethe. 

Ngihlale ngizwa ukuthi selidume ledlula kwaphahlazeka  elinye “ibhanoyi” nezimali zabantu, nabo sebekhala ezimathonsi. 

“Amabhanoyi” avuka futhi aphinde awe mihla namalanga, ngakho qaphelani ukuthi niyifaka kuphi imali yenu. Ningadlali amaqola athatha izimali zenu bese eyophila buthebelele nina nibe nisala nikhala mi izinyembezi. 

Okukhulu, yazi ukuthi kungenzeka uhanjelwe imali yakho yonke uma ugembula “emabhanoyini”. Ungasoli abanye ngesenzo sakho.

• UBiyela uwumeluleki wosomabhizinisi ngaphansi kwenkampani yakhe iMindset Shift Consulting