Uqoqosho lwezoshishino kweli loMzantsi Afrika, abatyali-zimali baye bahlangabezene neengxaki ezithile, ingakumbi ngokunyuka kokungazinzi kweemarike ezahlukeneyo kwezi nyanga zimbalwa zidlulileyo.
Oku kubangelwe kakhulu, luloyiko olugqithisileyo kwicandelo leebhanki zamazwe ngamazwe, kwakunye nokucotha ukuya esiphelweni kwamanani aphezulu exabiso lentengo kunye nokunyuka kommandla wezinga lenzala, okuthe gqolo ukuba neempembelelo kwiimarike.
Abatyali-zimali bahlala benomdla wokufumana ii-asethi ezinokuphucula iipotfoliyo zabo, nangona kunjalo, kukho amanyathelo asisiseko ekufuneka bawaqwalasele xa beqalisa uhambo lwexesha elide lokudala ubutyebi.
Izinto ezisisiseko eziguquguqukayo ezingaxhaphakanga, zibandakanya ukwehla kweemarike kwakunye nokudodobala koqoqosho okuqhelekileyo kunokuba abatyali-mali abaninzi becinga.
Ukuba abatyali-mali bebenokuqonda ukuba iimarike zinokuwa malunga nepesenti ezilishumi, phantse minyaka yonke, kwaye iimarike zehla ubuncinane malunga nepesenti ezingamashumi amane kanye kwishumi leminyaka ngalinye, bebeya kuba bekulungele ngakumbi kwaye bancinci ukuba bangoyiki kwaye benze iimpazamo zotyalo-mali.
Ngelixa ilizwe belingekangeni ngokobuchwepheshe kuqoqosho, amathuba okuba iya kuba phezulu. Idatha iqinisekise ukuba ngexesha lomjikelo wentengiso, kuthatha ngaphezulu kweenyanga ezilithoba ukuba iimarike ziphinde zibuyele.
Umjikelo we-2022 wathatha iinyanga ezisibhozo kwaye iimarike zehla malunga ne-25%. Kwakubonakala ngathi iimarike ziyachacha kodwa, ngenxa yemingcipheko, kusenokwenzeka ukuba asikasiboni isiphelo salomjikelo wamva nje wokulungisa.
Phakathi kweendlela ezilungileyo zokufumana imbuyekezo ebalaseleyo kutyalo-mali, kukuqalisa kwangethuba. Isizathu, ikakhulu kungenxa yamandla enzala ambaxa.
Nangona kunokuba ngumceli mngeni ukwenza izigqibo zotyalo-mali ngamaxesha aguqukayo, abatyali-mali bazama ukunqanda ukwenza ngokungxama okanye ngokweemvakalelo xa iimarike ziguquguquka kakhulu njengoko oko kunokuba neziphumo ezibi kwiintsapho zabo nakwizizukulwana ezizayo.
Endaweni yoko, kukuba nomonde, kwaye uthobele ingcebiso yomcebisi wakho wezezimali. Kubalulekile ukukhumbula ukuba ukuhla kwenzeka kwiimarike rhoqo kunokuba kukholelwa ngokubanzi.
Olu luhambo abatyali-mali abanokulindela xa betyala imali kwizabelo zamashishini ezingenanzala emisiweyo, kwaye ikwayipremiyamu umntu anokuyilindela xa ehlala etyale imali kwixesha elide – ngakumbi ngamaxesha anzima.
Ezinye isisombululo, kukulindela ukuhla okunokwenzeka kunye nokuhlala uqeqeshekile kwaye utyalwe imali okuya kuthi, kwiimeko ezininzi, kuzuze abatyali-mali abanomonde.
- Ingxelo: Luviwe Phinda