BEKUZIMUKA amakhanda kosomabhizinisi abaningi uma befaka izicelo zokuboleka imali emabhange.

UKUCHITSHIYELWA KOMTHETHO KUZOPHUMUZA ABABOLEKI BEMALI

Menzi Jele

IZINHLAKA ezibhekele amalungelo abathengi, sezikushayele ihlombe ukuchitshiyelwa kweNational Credit Act 34 of 2005. 

Bese kunesikhathi eside izinhlangano ezilwela amalungelo abathengi, nezinhlaka ezibhekele ukuthuthukiswa kwababencishwe amathuba okusimama kwezomnotho, bekhala ngokuthi inqinda amandla abantu abafuna ukungena emkhakheni wamabhizinisi.

UMthetho ochitshiyelwe, uzokwenza kubelula ukuthola usizo ezikhungweni ezibolekisa ngemali, ikakhulukazi yokuqala amabhizinisi. Izikhungo ezibolekisa ngemali, bezifuna isibambiso (guarantee noma i-coleteral), ngaphambi kokuba zidedele imali.

Imali yesibambiso bekuvama ukuba kube yimali noma impahla abantu abafisa ukungena emnothweni, abangeke bakwazi ukuba nakho. Lo mthetho kuthiwa uzokwazi ukuthuthukisa osomabhizinisi abasafufusa, bagcine bengene emikhakheni yamabhizinisi asimeme.

Osomabhizinisi ngaphambi kokunikwa imali-mboleko, bazoyiswa ezikhungweni ezizobelu-leka ngokuthi uma imali sebeyitholile,  kumele bayisebenzise kanjani. Kusungulwe neNational Credit Regulator, okuwuhlaka oluzobheka ukusebenza kwemalimboleko, neNational Consumer Tribunal, okuwuhlaka oluzoba yiso labathengi.

SEBEZOKWELULEKWA ngokungayixhaphazi imali abaxhaswa yizikhungo ezibolekisa ngemali.

Kunemithetho esusiwe, yacishwa okuthiwa yiyona ebiyenza abantu bangayitholi imalimbo-leko ngenxa yebala nokucwaswa, okuyi-Usury Act ka-1968,  neCredit Agreement Act ka-1968.

IMinyango yokuThuthukiswa koMnotho ezifundazweni zaseNingizimu Afrika, inamagu-mbi okuhlinzeka nokweluleka abantu abafisa ukungena emikhakheni yamabhizinisi.
Omasipala namabhange bayahlinzeka ngalolu sizo.
menzi.jele@ilanganews.co.za