Izitokofela ziyindlela esahamba phambili ekongeni imali
NJENGOBA kuphela unyaka nje, abantu abangamalungu ezitokofela bahleka bodwa ngoba bathole inzuzo enhle ezitokofeleni ebebezidlala. Abanye bayakhala ngoba izithukuthuku zabo zonyaka wonke zemuke namanzi ngenxa yokuqolwa.
Izitokofela kuleli zilima indima ebalulekile emnothweni ngoba abantu bazisungulela izidingo ezingefani kusukela ekuthengeleni imindeni ukudla nezibiliboco zangamaholidi kaDisemba, ukubeka imali yokuthenga umfaniswano wesikole wezingane, ukuthengisana izimpahla zokwakha, izimpahla zasendlini, izimoto kwesinye isikhathi kubekiswane imali yokuqala amabhizinisi.
UMnuz Andrew Lukhele usihlalo weNational Stokvel Association of South Africa esungulwe ngo-1998, uthi izitokofela phambilini bezingavumelekile, ababezidlala bebengakwazi ukuvula ama-akhawunti ezitokofela ngoba amabhange abengakholelwa kuzo futhi ebona sengathi zizoncintisana nawo. Enye inkinga kwakungukuthi zazeyamaniswa nepolitiki ngoba kwakungahlukaniseki phakathi komhlangano wesitokofela nowepolitiki kanti ngalezo zikhathi kwakungavumelekile ukuhlangana kwabantu.
"Izitokofela zokuqala ezasungulwa, zazisungulwe ukuthengisana imfuyo njengoba igama lisho lithi, ‘stock fall’. Abantu bokuqala abebesidlala babesizana ukuze bathenge imfuyo. Ngokuhamba kwesikhathi, abantu basuka emakhaya bayosebenza ezimayini, abanye baze bashonele khona. Kulapho kwaqala khona kwaba noshintsho endleleni ezidlalwa ngayo; kwaba khona abadlala izitokofela zokuthi bakwazi ukungcwaba izihlobo ezishonele ezimayini ngesizotha.
“Ngokuhamba kwezikhathi kwashintsha, kwabekwa imali yokuthenga ukudla inyama nezinye izinto ezidingeka ngesikhathi kungamaholidi. Manje sekushintshe kakhulu, izitokofela sezithuthukile nezinhloso zazo nazo sezithuthukile," kusho uLukhele.
UMnuz Bulelani Balabala wenhlangano ethuthukisa osomabhizinisi, iTownship Entreprenuer Developer, uthe abasungula amabhizinisi abangakwazi ukuboleka imali emabhange kuyenzeka bahlangane bathengisane imishini, izimoto nezinye izinto abazidingayo ukuze basebenze.
"Amatekisi amaningi athengwa ngemali yezitokofela ezidlalwa ngabanikazi bamatekisi. Kuya ngokuthi abahlangene babe namuphi umbono. Abanye bahlanganisa imali banike umuntu oyedwa ngenyanga athenge into ayifunayo, abasebenzayo abayibiza ngomholiswano, abanye basuke befuna izinto ezifanayo. Bavumelana ngesikhathi abazobeka ngaso imali kancane kancane ize ihlangene, bakwazi ukuthenga lokho abavumelene ngakho.
“Izitokofela zamanje ezinye zibizwa ngama-Crowd Fundings. Ziyasiza kakhulu kulabo abacwile ezikweletini nalabo abangakwazi ukuboleka isamba esikhulu emabhange ngoba amabhange asebenzisa amaphuzu athile ukuze akuboleke imali," kusho uBalabala.
Uthi ezinye izitokofela zinamaphepha emigomo ebhalwe phansi ezinye zinezivumelwano zomlomo kuphela kuya ngosayizi, inhloso yaso nokuthi imalini ebekwayo futhi ibekwa kuphi.
ULukhule uthe ukudlala isitokofela kutshala umkhuba omuhle ofundisa ukonga imali ngoba ayibekeki uma uwedwa futhi kuba lula ukuyikhipha uma kwenzeka kuvela isimo esithile.
"Kulinganiselwa ekutheni imali ebekwa ngabangamalungu ezitokofela kuleli inguR50 Billion ngonyaka. Leso isilinganiso nje ngoba amanye amalungu ezitokofela namanje awakayigcini emabhange imali yawo ngenxa yomlando wazo izitokofela nokuthi abanye babolekisa ngayo. Bangaphezulu kuka-800 000 abantu abangalungu ezitokofela ezibhalisiwe, lesi sibalo siyazi ukuthi singaphansi kwesibalo sangempela,“ kusho uLukhele.
UNksz Winisile Kunene uthe udlala izitokofela eziningi kuso kukhona esibekelwe ukuzijabulisa asidlala nozakwabo emsebenzini. Babeka uR50 njalo ngesonto ngoba bahola ngesonto.
UNksz Sizile Khumalo uthe bengabangani abahlanu baqala ukubeka imali ndawonye besasebenza ndawonye sekuphele iminyaka ewu-15 bonga ndawonye
"Saqala ngoR500 ngenyanga, uma sithole ibhonasi sibeke uR1 000. Inhloso yethu kwakungukuzakhela umnotho, uma sibona ithuba sithatha ingxenye yemali sithenge amasheya noma siyitshale kwenye indawo. Kule minyaka sibeka ndawonye sisayikhiphe kanye, sakhipha uR60 000 umuntu ngamunye senza izinto ezihlukene, abanye balungisa imizi, bakhokhela izimoto nokunye," kusho yena.