Osomabhizinisi baselokishini nohulumeni lukhulu abangalufunda kubahwebi abadabuka kwamanye amazwe, kuloba uJabulani Sikhakhane
LIKHULU igebe ngamakhono amabhizinisi phakathi kosomabhizinisi baseNingizimu Afrika nabadabuka kwamanye amazwe abahwebela emalokishini. Ingxenye enkulu yala mabhizinisi ayibhalisile ngokwemithetho elawula ukusebenza kwamabhizinisi nokukhokha intela.
Umbiko weStandard Bank ngalolu hlobo lwamabhizinisi uthi umehluko ngamakhono kwezamabhizinisi ungenye yezizathu zokungqubuzana phakathi kosomabhizinisi abamnyama bakuleli zwe nabakwamanye amazwe.
Ziningi iziqubu zokuhlasela osomabhizinisi abadabuka kwamanye amazwe abahwebela ezindaweni okuhlala kuzo abamnyama kuleli zwe. Emva kweziqubu zokugula kwezingane okuthiwa zazithenge okudliwa kula mabhizinisi, uhulumeni wamemezela ukuthi wonke amabhizinisi angabhalisile ngokusemthethweni kuzofanele abhalise ukuze athole usizo esikhwameni okhathiwa sinoR500 million. Nokho imibiko ngalolu hlelo lukahulumeni ikhomba ukuthi alunazithelo ezitheni.
Ucwaningo lweStandard Bank luwusizo olukhulu ngoba luneka umsuka wezinkinga zabahwebi abamnyama ezweni abangabhalisiwe ngokusemthethweni, phecelezi i-informal sector.
Lolu hlobo lwamabhizinisi luyingxenye ewu-19.5% yomnotho wezwe, ngokweStatistics SA, okuyisikali esisanda kuphikiswa owayewumphathi webhange iCapitec, owathi sincane.
Okuvezwa wuphenyo lweStandard Bank kungabawusizo uma uhulumeni ufuna ukusungula izinhlelo zokubasiza.
Lolu cwaningo luveza ukuthi osomabhizinisi bakuleli zwe banamakhanda aqinile – akulula ukuthi benze izinguquko ezihambisana noshintsho esimweni sokusebenza kwamabhizinisi. Badinga ukululekwa futhi bathole nosizo ukuze basebenzise ubuchwepheshe noma izindlela zesimanje zokubumba amabhizinisi nokusebenza kwawo.
Noma benolwazi lwezidingo zemiphakathi abahweba kuyona kodwa bantula amakhono nolwazi lokubona izidingo zakusasa zamakhasimende nezinguquko ezenzekayo ezimakethe abahweba kuzona.
Indlela yabo yokuhweba ukubheka izidingo zamakhasimende zanamuhla kuphela. Abakwazi ukuqhamuka nezinye izinto amakhasimende angazidingi namuhla kodwa okungenzeka ukuthi azithenge uma ebanolwazi ngazo.
Baphinde bathathe ngokuthi wonke amakhasimende abo ayafana, okwenza baphuthelwe amathuba okudayisela amanye amakhasimende izinto ezihlukile.
Abaphuma kwamanye amazwe behlukile. Banomdlandla wokuthatha amathuba avelayo ngokushesha (calculated risks), basebenzise nezindlela ezintsha zensebenzo yamabhizinisi, okwenza amabhizinisi abo ahlale esesimweni esiphezulu sokusebenza.
Abantu bakwamanye amazwe basebenza ngokubambisana, okwenza bakwazi ukucobelelana ngolwazi nezindlela ezinemiphumela emihle zokuphatha ibhizinisi.
Babheke ngqo izidingo zamakhasimende. Yingakho nje ubathola bezama ukukhuluma njengabantu bendawo. Nezimpahla abazidayisayo zivame ukuhambisana nezidingo zamakhasimende. Benza nemizamo eminingi yokuthola ulwazi ngezakhamuzi zalapho behwebela khona, okubasiza ukuthi bakwazi ukubhekana nezidingo zakusasa zamakhasimende.
Ucwaningo lweStandard Bank lwenziwe eGauteng, eNtshonalanga Kapa, KwaZulu-Natali, eLimpopo, naseNorth West. Kucwaningwe amabhizinisi angenisa imali ephakathi kukaR100 000 noR50 million ngonyaka, okuyinhlobo yamabhizinisi iStandard Bank ethi awumgogodla wohwebo emalokishini.
Ingxenye enkulu (u-60%) yosomabhizinisi abacwaningi beStandard Bank babike ukuthi amabhizinisi abo asekhulile seloku asungulwa. Abawu-35% babike ukuthi akunanqubekelaphambili, kwathi u-5% wathi usehlehlele emuva.
Izizathu zobunzima zixube ukwenyuka kwezinga lokuncintisana phakathi kwamabhizinisi, ukungabi nezinsiza zokukhulisa ibhizinisi noma likwazi nje ukuncintisana namanye. Abanye osomabhazinisi bakhombe ukungakwazi ukungena kwezinye izimakethe zohwebo.
Ukuncintisana kwamabhizinisi emalokishini kubuye kwenziwe nzima wukuthi awukho umehluko ezimpahleni azidayisayo kanti nesibalo samakhasimende alenele amabhizinisi.
Kuvame ukuthi kubenamabhizinisi awu-20 ancintisana endaweni eyodwa, ikakhului kwezobuchwepheshe, ezokuthutha izimpahla nokudayisa izimpahla.
I-Standard Bank ithole ukuthi kwandile ukungami kahle kwamabhizinisi ngakwezimali. Osomabhizinisi abaningi (awu-57%) babike ukuthi basebenzisa imali yabo emabhizinisini. Bangu-77% osomabhizinisi ababike ukuthi abasebenzisi ubuchwepheshe ukuphatha izimali – umsebenzi wonke wenziwa ngezandla.
Ukungakwazi ukuboleka imali kubayingqinamba enkulu ngoba kusho ukuthi usomabhizinisi akakwazi ukuthatha ithuba elingavela lokwenza izinguquko masishane ebhizinisini, njengokuthenga izimpahla ezingadingwa ngamakhasimende ngokushesha.
Amathuba esikhuluma ngawo yilawo aqhamuka futhi aphinde edlule masinya – njengamakhonsathi omculo noma ezemidlalo endaweni, okuyizinto eziletha abantu abaningi ndawonye kanti azihlali zikhona nsuku zonke. Nezidingo zabantu abaya emakhonsathini azifani nezidingo zansuku zonke.
Uphenyo luthole ukuthi imali engeniswa amabhizinisi iyantenga, okuyisimo esenziwa nzima ukungabi namakhono okuphatha nokusebenzisa izimali kubanikazi bamabhizini (phecelezi, financial planning). Lamakhono abalulekile ngoba kudingeka osomabhizinisi behlukanise imali yebhizinisi neyokubheka izidingo zabo zempilo.
Izindleko zamabhizinisi ziphezulu. Ingxenye enkulu eyerenti nokuthenga izimpahla ezizodayiswa. Amabhizinisi avame ukubhekana nokunyuka kwentengo yezimpahla, okuyinto ehlala nzima emahlombe osomabhizinisi abangabumbani ukuze bathenge njengeqoqo. Ukubumbana kungasiza futhi ukwehlisa izindleko zokuthutha impahla iyofakwa ezitolo.
Cishe uhhafu (u-49%) wamabhizinisi kulolu cwaningo usebenzela ezindlini noma emagaraji, kuthi u-11% uqashe izindawo zokuhweba. Ikota (u-25%) ihwebela emigwaqweni kanti u-14% uqashe emapaki amafemu namahhovisi.
