Inkulu imfihlo yomnotho elele kwimifelandawonye, kusho osesungule ibhange lalolu hlobo. Uxoxe noSLINDILE KHANYILE ngohambo lwakhe

ININGIZIMU Afrika kufanele ishintshe indlela ebuka ngayo izinhlangano eziyimifelandawonye ukuze ifukule umnotho futhi ikhulise osomabhizinisi abanamabhizinisi angabhalisiwe.

Lona wumbono kaMnu uThemba Mgwaba, umsunguli nesikhulu esiphezulu se-Asikhulesonga Co-operative Financial Institution, ibhange eliwumfelandawonye laseMbumbulu, eThekwini, KwaZulu-Natali. 

Leli bhange eliwumfelandawonye ligunyazwe yiBhange loMbuso, iSouth African Reserve Bank (iSARB), ukuthi selingahweba. Ilayisensi iphume ngoMashi kanti isitifiketi esiwubafakazi baloku siphume ekupheleni kukaJuni.

UMgwaba, othi banezinkampani eziyimifelandawonye eziwu-10 ezingamalungu e-Asikhulesonga Co-operative Financial Institution, uthi wuhambo lolu abaluqale neBhange loMbuso kusukela ngo-2018.

“Bekungelula neze kanti kunemicikilisho eminingi kangangokuthi emva kokuthi iBhange loMbuso lisichithile isicelo sethu okukuqala, lakhipha uhlu lwenqwaba yezinto okufanele sizilungise. Abantu ababengamalungu ebhodi bamonyuka bonke, ngasala ngedwa. Kwase kusho khona ukuthi iminyaka enginayo manje ayisavumi ukuthi ngisangaqala into engeke iphumelele… sengimdala,” kukhumbula uMgwaba ehleka. 

“Into yokuqala iBhange loMbuso eliyifunayo uma nifuna ukuba nebhange eliwumfelandawonye wukuthi kufanele nibe ngamalungu angu-200, nibe noR100 000 bese niba nento enihlanganisayo enenza nifane, loku abathi yi-commom bond. 

“Kwaba lula-ke ukuhlanganisa okuthathu kokuqala. Sabe sesidlulela esigabeni esilandelayo sokuhlanganisa imigomo ezosilawula njengomthethosisekelo esizowusebenzisa uma sibeka imali nesizowusebenzisa uma sibolekisa ngemali. Yilapho-ke inkinga iqale khona kangangokuthi ngaze ngabona ukuthi kungcono uma kusuke kukhona okudinga sikulungise, angibe ngaseGoli ukuze kube seduzane.”

UMgwaba, ozalwe wakhulela eMbumbulu, waqala ewuthisha, wagcina eseqeqesha othisha eMpumalanga Training College, eyayiseHammarsdale. 

Kwathi uma uhulumeni evala amakolishi obuthisha, washintsha umkhakha waba wumncwaningi wepolitiki, emva kokwenza izifundo ze-political management eStellenbosch University. 

Ngemva kwaloko wasebenza ePhalamende ecwaninga futhi esethimbeni elilekelela abahlanganisa imigomo. 

Emva kwaloko wasebenza emNyangweni waManzi namaHlathi, ngaphambi kokubuya KwaZulu-Natali wagcina esesebenza kuMhlathuze Water Board engesinye sezikhulu, ngaphambi kokuphelelwa wumsebenzi ngo-2010.

Ithuba alithola lokuya eJalimane ngo-2012, lapho aqeqeshwa khona unyaka wonke, yilona elamvula amehlo ngamandla emifelandawonye ngoba ebona ukuthi imifelandawonye isebenza kanjani kuleliya zwe, ikakhulukazi embonini yezezimali.

“Uma ukhumbula kahle ngesikhathi kuwe umnotho ngo-2008, iJalimane yiyona eyayitakula amazwe afana noSpain no-Italy ngoba owayo umnotho awuwanga ngoba usekelwe yimifelandawonye. Inkinga lapha eNingizimu Afrika sicabanga ukuthi imifelandawonye yinto yezalukazi, asiyibuki njengamabhizinisi angempela.

“Imifelandawonye yiyona okufanele ngabe siyayisebenzisa ukuze kukhule amabhizinisi abantu abafana nomama abadayisa emgwaqweni ngoba labo ngabantu asebevele sebenalo ibhizinisi, wukuthi nje lisuke li-informal. Kuba sengathi imifelandawonye ayisebenzi ngoba kuvele kuthathwe nje abantu bahlanganiswe bebebengebona osomabhizinisi, kuyekwe asebevele sebeqaile. 

“Sizimisele nje nathi ukuthi singagcini ngokunikwa ilayisensi kodwa singasebenzi ngoba akhona amanye amabhange ayimifelandawonye angu-29 eNingizimu Afrika,” kusho yena.

Selikhona ibhodi lesikhashana nethimba elengamele izinto. Kukhona abantu abathathu abaqashiwe, yize okwamanje besebenza njengamavolontiya, okuzothi uma seliqala selihweba ibhange bese beyaqashwa kodwa bavele bangamalungu e-Asikhulesonga. 

Uthi: “Ebhange eliwumfelandawonye kusebenza bona abanikazi bebhange, ngaphandle uma kukhona amakhono adingekayo okuwukuthi akekho umuntu onawo kwabavele bangamalungu omfelandawonye.”

Kusuka ngoMgqibelo bahambe bethula ilayisensi kumalungu abo. Baqale KwaMakhutha kanti basozodlulela kwezinye izindawo eziningi ngoba banamalungu ezindaweni ezihlukene. 

UMgwaba uthi baphezu kwezinhlelo zokuthola imvume yokubolekisa ngemali kwiNational Credit Regulator.

Okunye ngaye: 

• Uphumula ngokulula izinyawo nokufunda; 
• Ukhonze ukufunda ngemigomo nezincwadi ezikhuluma ngomnotho. Enye yezincwadi azithandayo futhi athi uhlala ahlale ayifunde yi-Capitalist Nigga kaChika Onyeani; 
• Ekudleni uthanda isitambu nesigwaqane; 
• Emculweni uthanda i-jazz, i-soul, umbhaqanga ne-gospel. Abanye babaculi abathandayo wu-Al Jarreau, uBrenda Fassie, iSoul Brothers, i-The Manhattans noBetusile.