Abathengi baseNingizimu Afrika bavikelwa wumthetho
YINTATHELI YOMBELE
ABANTU abaningi baseNingizimu Afrika bazitshela ukuthi uma ufaka isicelo sesikweletu noma ususikhokhela usuke ungenamalungelo, bazitshela ukuthi izinkampani ezibolekisa ngemali yizona kuphela ezivikelwa wumthetho.
Usihlalo weNational Debt Councelling Association uNks uRene Moonsamy uthi miningi imithetho evikela abathengi ezweni futhi kubalulekile ukuthi abantu bazifundise yona.
Kuyona ubalule i-Consumer Protection Act (iCPA), umthetho olawula ukuthi wubani othola isikweletu, ululekwa kanjani nokuthi sikhokhelwa kanjani. Kukhona ne-Financial Advisory and Intermediary Services Act (iFAIS), umthetho olawula izikhungo ezisebenza ngemali, ne-National Credit Act (iNCA), umthetho olawula konke okuphathelene nezikweletu.
UNks uMoonsamy uthi iNCA iwumthetho obalulekile owengamele izikweletu emhlabeni.
“Lo mthetho uvikela amalungelo abathengi ngisho bengakasifaki isicelo sesikweletu, uqinisekisa ukuthi baphatheka kahle, bayaziqonda izinkontileka abazisayina nokuthi kubhaleke ngolimi olulula kubona. Kufuneka izinkontileka zicacise inzalo abazoyikhokha, izimali ezihambisana nesikweletu nokuthi isikweletu sesisonke sizobayimalini ngaphambi kokuthi basayine,” kusho yena.
Abathengi futhi bavikeleke ngokweCPA eqinisekisa ukuthi izinkampani zikhangisa iqiniso futhi abathengi abasayini izinkontileka ezizobacindezela.
UNks uMoonsamy uthe iFAIS wumthetho ovikela abathengi ekunikweni ulwazi olungesilo iqiniso, ifuna abaluleka ngezimali abasuke bedayisa imikhiqizo ethile bakhiphe ulwazi oluyilo.
“I-NCA iqinisekisa ukuthi abantu bathola izikweletu kodwa abacwili kuzona. Ayifuni kubekhona ababandlululekayo futhi uma abafake isicelo sesikweletu benqatsheliwe banelungelo lokucela imininingwane eyenze ukuthi izicelo zabo zingaphumeleli. Uma ababolekisa ngemali noma abakweletisayo bekweletela abantu bengahlolisisi ukuthi umthetho uzokwazi ukukhokha, loko wubudedengu,” kusho uNks uMoonsamy.
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Ilawula nokuqoqa izikweletu, ivikela abathengi ukuthi baphatheke kahle futhi kungabibikho izimali ezifakwayo ezingekho emthethweni zokuqoqa izikweletu, uvikela abathengi abangakhokhi kahle ngokucacisa ukuthi kufanele baziswe ngencwadi ukuthi abakhokhi kahle futhi kubenezinhlelo abahlelelwa zona zokulungisa isimo.
Kulezo zinhlelo bangakhokha inzalo nokuthi baxoxisane ngohlelo lokukhokha olungeke lubasinde kakhulu noma ukungena ngaphansi kohlelo lokululekwa ngezikweletu.
Abakweletisayo badinga incwadi yasenkantolo ngaphambi kokuthatha izimpahla zababakweletayo kodwa izinhlelo zokudla izimpahla ziyama uma umuntu engena ngaphansi kohlelo lokululekwa ngezikweletu.
“Isinyathelo esibalulekile seNCA esivikela abathengi ngoba siqinisekisa ukuthi uma sebehluleka ukukhokha ngenxa yobunzima obuthile izimpahla zabo azidliwa futhi bayavikelela ngayo yonke indlela. Bonke abathengi banelungelo lokucela usizo kubeluleki bezimali abagunyaziwe kodwa abathengi abashadile kufanele baye nabashade nabo,” kusho yena.
Emva kokuhlolisisa sonke isimo somthengi ocwile ezikweletini, umeluleki wezikweletu uyakwazi ukwehlisa imali okufanele umthengi ayikhokhe kodwa lapha akukhulunywa ngesikweletu sama-rates kamasipala noma imali yesikole.
Uma konke sekuhlelekile umthengi ukhokha imali engamsindi bese kuthi uma esekhokhele izikweletu futhi isingekho nenyanga emeqayayo kwi-bond uthola incwadi emazisa ukuthi seluphelile uhlelo lokululekwa ngezikweletu.
“ENingizimu Afrika abathengi banalungelo futhi bavikelekile ngaphansi kwemithetho ehlukene yezikweletu. Imithetho iqinisekisa ukuthi abasindwa yizikweletu futhi bayakwazi ukuzikhokha bese beqala kabusha,” kuphetha uNks uMoonsamy. Abantu abadinga abaluleki bezikweletu abagunyaziwe bangangena ku: National Debt Counselling Association