Amafama amnyama asaqalayo kwezolimo asoloko enengxaki engasombululekiyo yokufumana uncedo lwemali mboleko kwiibhanki zeli. Uninzi lwezi bhanki eMzantsi Afrika zinamasebe ajongene nezolimo, injongo yazo kukuxhasa amafama asakhulayo ngemali nolwazi.
Kwilizwe loMzantsi Afrika singatsho singafihlisi ukuba iibhanki zeli zixhasa amafama amhlophe ngezimali ngenxa yezizathu ezithile.
UGqirha Langelihle Simela ujongene nokuncedwa kwamafama ngezimali kwibhanki yakwa-Absa. Uthi zininzi izizathu ezenza ukuba amafama angalufumani uncedo xa esenza izicelo kwiibhanki zeli.
“Esinye sezizathu eziphambili kukufumanisa ukuba umfama akanawo umzila nembali ecacileyo yokuhlawula amatyala akhe ngendlela eyiyo,” kucacisa uSimela.
Uthi phakathi kwezizathu ezithintela ukuba amafama afumane uncedo ziinkcukacha zenkcitho mali eyenziwa ngumfama, imali ngeniso nomzila wokuphuma nokungena kwemali okungacacanga.
“Iinkcukacha ezichaza ukuba yimali engeneyo yaze yasetyenziswa njani ngumfama zibalulekile, imali eshiyeka kumfama emva kokwenza iinkcitho zakhe lubalulekile ololwazi,” uhambisa atsho uSimela.
Uthi ukugcinwa kweenkcukacha zenkcitho nengeniso kubalulekile kuba kunika umfanekiso ocacileyo ngeendlela umfama asebenzisa ngayo imali yakhe.
“Ukukwazi komfama ukuhlawula amatyala wakhe amadala kwenza ukuba iibhanki zingathandabuzi ukumnika imali ngethemba lokuba uzakuyibuyisa naleyo yazo ayithathileyo,” kucacisa uSimela.
Amafama amaninzi ingakumbi amanyama asoloko eqhuba ulimo lawo ngaphandle kokwenza isicwangciso soshishino esicacileyo.
“Isicwangciso soshishino esicacileyo kumele ukuba sixele iindlela ezakungena ngayo imali, imali ezakuhlala ikhona koovimba beshishini nezinye izinto ezicacisa ngesicwangciso soshishino,” utsho uSimela.
Uthi iinkampani ezibolekisa ngemali zikholelwa ukubona ukuba umfama unazo iimali ezigciniweyo nokuba zigcinelwe ntoni eziyinxalenye yesicwangciso sakhe soshishino.
“Oku kuthetha ukuba umfama kufuneka ukuba abenolwazi olulodwa lokonga imali le anayo phambi kokuba aboleke imali esuka kwezinye iindawo,” uhambisa atsho uSimela.
Iimeko zezimali noqoqosho kwilizwe ngelo xesha lokubolekwa kwemali ngumfama kunefuthe elimandla kwisigqibo sokuba uyayinikwa na imali leyo umfama.
“Kukho ukwehla nokunyuka kwexabiso lemali yelizwe, oko kubangela ukuba iinkampani ezibolekisa ngemali zifune okanye zithandabuze ukunikisa ngemali,” utsho uSimela.
Umfama kufuneka abonise ngokucacileyo kwisicwangciso sakhe soshishino ukuba ifama yakhe okanye ishishini lakhe liza kukhula. Qiniseka ke mfama ngesicwangciso sakho, kwaye isicwangciso sakho soshishino kumele ukuba siqulathe konke.
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