Kwihlabathi lanamhlanje, apho imfuno yokutya isanda, kubalulekile ukuba neenkqubo zezolimo ezisebenzayo nezizinzileyo.Ikhonkco lexabiso lezolimo lidlala indima ebalulekileyo ekuqinisekiseni indlela engenamthungo apho ukutya kuveliswa, kulungiswa kwaye kusiwa kubathengi.Nangona kunjalo, ngaphandle kokubaluleka kwalo, ikhonkco lexabiso lezolimo lihlala lijongene nemingeni ethintela ukukhula kunye nokubanakho.Apha kulapho kungenelwa khona imali yesixokelelwano sexabiso lezolimo, ukubonelela ngenkxaso yemali efuneka ngamandla kunye nozinzo olufunekayo ukuqinisa icandelo lezolimo nokuqinisekisa ukhuseleko lokutya kumntu wonke.
Ukuqonda iZimali zeXabiso lezoLimo:
Imali yekhonkco lexabiso lezolimo ibhekiselele kubonelelo lweenkonzo zemali kunye nenkxaso kuwo onke amakhonkco ekhonkco lexabiso lezolimo.Ibandakanya imisebenzi efana nokulima, ukuvelisa, ukulungisa, ukugcina, ukuthutha kunye nokuthengisa.Loo nkxaso-mali ijolise ekulungiseni izikhewu kunye nemiqobo yezemali ejongene nabathathi-nxaxheba abohlukeneyo kwikhonkco lexabiso, kubandakanywa amafama amancinci, ababoneleli ngamagalelo, abarhwebi, abalungiseleli kunye nabathumela ngaphandle.
Ukubaluleka kwezemali zekhonkco lexabiso lezolimo:
1. Ufikelelo oluphuculweyo lwetyala: Enye yeenzuzo eziphambili zenkxaso-mali yesixokelelwano sexabiso lezolimo ngamandla ayo okuphucula ukufikelela kwityala lamafama asakhulayo kunye nabanye abathathi-nxaxheba kwikhonkco lexabiso.Iindlela zemveli zenkxaso-mali zikholisa ukungalihoyi icandelo lezolimo ngenxa yokungaqiniseki kwemisebenzi yezolimo.Nangona kunjalo, ngokwamkela iimodeli ezintsha zezimali ezifana nokufama kwesivumelwano sokufama kunye neerisithi ze-warehouse, i-value chain finance idala isiseko sesibambiso, esomeleza ukuzithemba kwababolekisi kunye nokwenza ukuba lula ukufumana ikhredithi.
2. Ukwandisa utyalo-mali: Inkxasomali yexabiso lezolimo ikhuthaza ukwanda kotyalo-mali ngonxulumano phakathi kwamaziko emali kunye namashishini ezolimo.Inkxaso-mali ebonelelwe ngolu hlobo ingasetyenziselwa ukuthenga izixhobo zale mihla, ukwandisa imveliso, ukwamkela ubugcisa obutsha kunye nokwahluka kweendlela zokusebenza kwezolimo.Olu tyalo-mali lunceda ekunyuseni imveliso yezolimo ngokubanzi kwaye ngaloo ndlela kubekho ukhuseleko lokutya.
3. Ukunciphisa umngcipheko: Ezolimo zisesichengeni sendalo esisesichengeni esiquka ukutshintsha kwemozulu, izitshabalalisi nezifo, kunye nokuguquguquka kweemarike.Imali yekhonkco lexabiso inceda ukunciphisa le mingcipheko ngokuququzelela uphuhliso lweemveliso zemali ezifana ne-inshurensi yemozulu, i-inshurensi yezityalo kunye nezivumelwano zokuthumela.Ezi zixhobo zikhusela ingeniso yamafama kwaye zibonelela ngokomelela kwiziganeko ebezingalindelekanga, zibakhuthaza ukuba baqhubeke nokutyala imali kwimisebenzi yokulima.
4. Unxibelelwano lwemarike: Ngokudibanisa iinkonzo zemali kumakhonkco exabiso lezolimo, ababoneleli ngezimali banokwakha ubudlelwane obusondeleyo namafama kunye nabanye abathathi-nxaxheba.Olu qhagamshelo luvumela ukuqondwa ngcono kwamandla emarike, unikezelo kunye neepateni zemfuno, kunye nokukhethwa kwabathengi.Ngenxa yoko, amaziko emali anokubonelela ngeemveliso zemali kunye neenkonzo ezilungiselelwe ukuhlangabezana neemfuno ezithile zabathathi-nxaxheba kwikhonkco lexabiso, ngaloo ndlela bekhuthaza ubudlelwane obuxhamlayo.
Imali yekhonkco lexabiso lezolimo idlala indima ebalulekileyo ekubumbeni ikamva lezolimo nokuqinisekisa ukhuseleko lokutya kwihlabathi.Ngokujongana nemiqobo yemali kunye nezikhewu kuwo onke amanqanaba ekhonkco lexabiso, imali yesixokelelwano sexabiso inokomeleza icandelo lezolimo, iququzelele utyalo-mali, kwaye iququzelele ukwamkelwa kobugcisa obutsha kunye nezenzo.Ukufikelela okwandisiweyo kwityala, izixhobo zokunciphisa umngcipheko kunye nonxibelelwano lweemarike kunokuxhobisa amafama amancinci ukuze abe negalelo ekuphuculweni kwemveliso yezolimo, ukukhula okuzinzileyo kunye nokhuseleko lokutya kwihlabathi.Urhulumente, amaziko ezezimali kunye nabachaphazelekayo kufuneka bakuqonde ukubaluleka kwezemali zexabiso lezolimo kwaye ngokudibeneyo benze imeko evumela uphuhliso lwemali yexabiso lezolimo.Kungoko kuphela apho sinokuthi siqonde amandla okwenene eenkqubo zethu zezolimo kwaye sihlangabezane neemfuno zabemi bethu abakhulayo.
Ixesha lokuposa: Aug-17-2023