Kwihlabathi lanamhlanje elikhula ngokukhawuleza, apho uphuhliso lwetekhnoloji lube nefuthe kakhulu kwiinkalo ezahlukeneyo, imfuno yotshintsho olukhulu kwiinkqubo zelifa iye yaba yimfuneko.Elinye lamacandelo afuna uqwalaselo olukhawulezileyo likhonkco lexabiso lezolimo, elidlala indima ebalulekileyo ekuqinisekiseni ukhuseleko lokutya nokukhula koqoqosho.Ngaphandle kokuba kunokwenzeka, abatyali-mali basoloko bebaleka ukutyala imali kumakhonkco exabiso lezolimo.Eli nqaku lijolise ekukhanyiseleni ngezizathu ezibangela oku mathidala kunye nokubaluleka kokuvula okunokwenzeka ngaphakathi.
1. Ukunqongophala kolwazi kunye nokwazi:
Esinye sezizathu eziphambili zokuba abatyali mali bathandabuze ukutyala imali kumakhonkco exabiso lezolimo kukunqongophala kolwazi kunye nokuqonda ubunzima benkqubo enjalo.Amakhonkco exabiso lezolimo abandakanya inani elikhulu labachaphazelekayo, kuquka amafama, ababoneleli, abalungisi, abasasazi kunye nabathengisi.Ubunzima bala matyathanga kunye nokungabikho kwedatha efumanekayo ngokukhawuleza kwenza kube nzima kubatyali-mali abanakho ukuqonda amandla oshishino kwaye baqikelele ngokuchanekileyo iintsingiselo zexesha elizayo.Ngokwandisa ukungafihli kunye nokubonelela ukufikelela lula kulwazi lwentengiso, sinokuvala izikhewu zolwazi kwaye sitsale abatyali-mali abaninzi.
2. Iinkqubo ezinatyisiweyo, ezingacwangciswanga:
Amakhonkco exabiso lezolimo ahlala ephawulwa kukuqhekeka kunye nokungabikho kolungelelwaniso phakathi kwabachaphazelekayo.Oku kunqongophala kombutho kudala imingeni ebalulekileyo kubatyali-mali abanokubakho, njengoko oko kuthetha ukwanda komngcipheko wokusebenza kunye nokungaqiniseki.Ukunqongophala kwezakhiwo ezicacileyo kunye neendlela zentsebenziswano phakathi kwabachaphazelekayo kuthintela abatyali-mali ekwenzeni izibophelelo zexesha elide.Ukujongana nalo mba kuya kufuna ungenelelo lukarhulumente, ukukhuthaza intsebenziswano phakathi kwabadlali abahlukeneyo, kunye nokuphumeza imigaqo-nkqubo ekhuthaza indlela elungelelanisiweyo nentsebenziswano kulawulo lwekhonkco lexabiso.
3. Imiceli mngeni yeziseko zophuhliso nolungiselelo:
Utyalo-mali kumakhonkco exabiso lezolimo kufuna uphuhliso olubanzi lweziseko ezingundoqo ukuqinisekisa imveliso esebenzayo, ukugcinwa kunye nothutho.Nangona kunjalo, imimandla emininzi, ngakumbi amazwe asaphuhlayo, ajongene neziseko ezingundoqo kunye nemingeni engonelanga yolungiselelo, nto leyo eyenza kube nzima kubatyali-mali ukuba bangene emarikeni.Ukunqongophala kwezinto ezifanelekileyo zokugcina, iinkqubo zezothutho ezingathembekanga kunye nofikelelo olunqongopheleyo lwemalike kuthintela ukusebenza kakuhle kwamakhonkco exabiso lezolimo.Oorhulumente nabanye abathathi-nxaxheba abafanelekileyo kufuneka babeke phambili uphuhliso lweziseko ezingundoqo ukudala imeko yotyalo-mali efanelekileyo kwaye batsale abatyali-zimali abanokubakho.
4. Iimeko zemarike eziguquguqukayo:
Abatyali-mali basoloko bekruqukile kukuguquguquka okukhoyo kumakhonkco exabiso lezolimo.Ukutshintsha kweepateni zemozulu, amaxabiso aguquguqukayo kunye nemfuno yemalike engalindelekanga yenza kube nzima ukuqikelela ngokuchanekileyo imbuyekezo kutyalo-mali.Ngaphaya koko, iintsingiselo zemarike yehlabathi kunye nemigaqo yorhwebo ichaphazela ingeniso yesixokelelwano sexabiso lezolimo.Ukudala uzinzo ngokusebenzisa imigaqo-nkqubo yokulawula umngcipheko, iindlela eziphuculweyo zokubikezela, kunye neminikelo eyahlukeneyo kunokunyusa ukuzithemba kwabatyali-zimali kunye nokukhuthaza ukuthatha inxaxheba ngokusebenzayo kula matyathanga.
5. Imiqobo yezeMali:
Amakhonkco exabiso lezolimo afuna utyalo-mali olubalulekileyo lwangaphambili, olunokuba ngumqobo kubatyali-mali abaninzi abanokubakho.Imingcipheko efana nemijikelo emide yemveliso, ukungaqiniseki okunxulumene nemozulu, kunye nokungacingelwa kwemarike ngokubanzi kukwandisa inkcitho yotyalo-mali kunye nokunciphisa umtsalane kubatyali-mali.Ukunika inkuthazo yezemali, efana nenkuthazo yerhafu okanye imali-mboleko enenzala ephantsi, kunye nokuphuhlisa iimodeli zenkxaso-mali ezintsha kunokuncedisa ukunciphisa le miqobo kwaye kuququzelele intatho-nxaxheba enkulu yecandelo labucala.
Ukuvulelwa amandla amakhonkco exabiso lezolimo kubalulekile kuphuhliso oluzinzileyo, ukuqinisekisa ukhuseleko lokutya nokudala iindlela ezintsha zokukhula koqoqosho.Ngokulungisa le mingeni ikhankanywe ngasentla, equka ukunqongophala kolwazi, iinkqubo eziqhekekayo, imiqobo yolungiselelo, ukuguquguquka kweemarike, kunye nemiqobo yemali, singenza imeko encomekayo yokuba abatyali-mali batyale imali kumakhonkco exabiso lezolimo.Oorhulumente, abenzi bomgaqo-nkqubo kunye nabachaphazelekayo abafanelekileyo kufuneka basebenze kunye ukuphuhlisa nokuphumeza izicwangciso ezijolise ekutsaleni utyalo-mali kunye nokuqhubela phambili utshintsho kule ndawo ibalulekileyo.
Ixesha lokuposa: Aug-17-2023