Isitokvel singumhlanganisela wesiko laseNingizimu Afrika wokonga noma ukutshalisa imali lapho amalungu akhokha inani elivunyelwene ngalo lemali kufakwe esikwameni esisemthethweni.
Umlando wesitokvel uqala kusukela ekuqaleni kwenkulungwane yama-19 futhi kusukela ngaleso sikhathi saba yingxenye yenhlalo yaseNingizimu Afrika.
Sisebenza njengesiko lesizinda semali lapho amalungu angedibanisa izinsizakalo zawo ezinhloso ezahlukahlukene ezifana nokuthengela izinto eziningi, imicimbi yomphakathi, noma ukusiza ngokwezezimali.
Iqoqo labantu lihlezi enseleni, lishintshana ngemali namakhasi. Kusobala ukuthi kunomoya wokubambisana nokusebenzisana njengoba bexoxa ngezinkokhelo zabo zemali nezindlela zabo zangomuso.
Isakhiwo sesitokvel siqhubeka ngendlela yokubolekisana imali, ekuvumela amalungu ukuthi athole inkokhelo eyodwa ngokujikajika. Lokhu kubonakele kuyindlela eyiyo yokonga imali nokusiza ngokwezezimali phakathi kwemiphakathi, ikakhulukazi lapho kunokungabikho kokufinyeleleka ezinkundleni zezezimali ezijwayelekile.
Ukubamba iqhaza esitokvelini kugqugquzela isiko lokonga phakathi kwamalungu ngesikhathi futhi sinikeza inethiwekhi yesekelo.
Umthelela nokubaluleka kwesitokvel akuzange kuphuthelwe yiziko lezezimali ezisemthethweni. Ezinye izinhlangano zezezimali zinikeza ama-akhawunti esitokvel akhethekile anezinzuzo ezingezanye, ezifana nezithunzi ekuthengeni kanye nokuphephisa, ukuhlangabezana nezidingo ezizodwa zaleziziqoqo zokonga.
Njengesisekelo sezomnotho emiphakathini, isitokvel sisasalele yisisekelo sezindlela zokonga kwabambiqhaza, sisiza amalungu ngokwezezimali ngesikhathi futhi siqinisa izibopho zomphakathi.
UKUQONDA ISITOKVEL
Isitokvel sibonisa isiko lesizinda semali lapho ukwethembana nomphakathi kuyahlangana, ikakhulukazi eNingizimu Afrika.
UMLANDO NENCAZELO
Isitokvel singumkhiqizo wezinhlelo zezezimali zaseAfrika, sisebenza njengesibonelo sokonga ngokubambisana lapho amalungu akhokha inani eliqondile lemali esikwameni esisemthethweni ngokwesikhathi esithile. Leziziqoqo zokonga zisekwe phezu komoya wokusebenzisana emphakathini kanye nokugcizelela ukwethembana nokuziphatha ngokufanele.
Ngokusemthethweni, anikeza indlela yokusekela ngokwezezimali phakathi kwemiphakathi lapho kunokungabikho kokufinyeleleka ezinkundleni zezezimali ezijwayelekile.
ISITOKVEL ENINGIZIMU AFRIKA
EningiziMu Afrika, isitokvel sihlanganiswe nenhlalo yomphakathi. Isiko lokonga ngokubambisana aliyona nje indlela yokonga imali; liyisiko lomphakathi esingasetshenziswa izinhloso ezahlukahlukene ezifana nokonga izakhiwo noma ukuthenga izinto eziningi. Ubulungu bungahlanganisa amaqoqo amancane kuya kwamakhulu, kodwa okusasalele kuqhubekayo yimigomo yokwabelana ngezinsizakalo ezihlose inhloso yezezimali efanayo. Lokhu kubonisa hhayi nje indlela yokonga imali kodwa futhi kuqinisa izibopho zokusekela nokwethembana phakathi kwemiphakathi yaseNingizimu Afrika.
ISAKHIWO SESITOKVEL
Isitokvel sisebenza ngokonga ngokubambisana kwamalungu alo, sibukelwe yimithetho evunyelwene ngayo eqoshwe emthethweni waso. Ukubusa kuvame ukucaciswa emthethweni ongahambisana nemigomo yeNational Stokvel Association of South Africa (NASASA).
UBULUNGU NOKUKHOKHA
Amalungu avame ukumenywa ukuba abe ngamalungu esitokvel, iqoqo livame ukuba namalungu ayishumi nambili ubuncane. Ilungu ngalinye livumelana nokukhokha inani eliqondile lemali esikwameni esisemthethweni sesitokvel. Lezizinkokhelo zingakhokhelwa ngeviki, ngamaviki amabili noma ngenyanga.
- Isakhiwo sokukhokha esijwayelekile:
- Isikhathi: Ngeviki/Ngenyanga
- Inani: Inani eliqondile kuwo wonke amalungu
- Ukusetshenziswa: Izinhloso zokonga noma ukubolekisana Ukuqinisekiseka kwalezizinkokhelo kubalulekile ekusebenzeni kwesitokvel, kuqinisekisa ukuthi kukhona isikwama esiqhubekayo semali esitholakala ukuze isitokvel sifeze izinhloso zaso zezezimali.
UMTHETHO WESITOKVEL NOKUBUSA
Sonke isitokvel sinomthetho, obeka imithetho yokusebenza kanye nesakhiwo sokubusa. Izingxenye ezibalulekile zokubusa phakathi kwesitokvel zibandakanya ukukhethwa kwabasebenzi kanye nokubekwa kwamajoka abo nemisebenzi yabo.
- Izindima zokubusa:
- Usihlalo: Uqhuba isitokvel futhi uqinisekisa ukuthi umthetho uyalandelwa
- Unogada: Uqhuba izezimali nezinhlelo-mali
- Unobhala: Ugcina amaminithi namarekhodi amalungu Ukubusa kumele kubonise ukwenziwa kwezinqumo ngokubambisana kwesitokvel, nemihlanganonye ehlelelwe ukuxoxa nokuvota ngezindaba ezibalulekile. Isitokvel singakhetha ukubhalisa ne-NASASA ukuze sithole ubufakazi obungaphezulu nokwesekwa, nakuba lokho akumcabangeli.
IZINGXENYE ZEZEZIMALI ZESITOKVEL
Phakathi kwezakhiwo zesitokvel, ukuphathwa kwezezimali kubalulekile kakhulu, kugxile kakhulu ekukongeni nasekutshaleni, kanye nokuqondisisa ngezezimali ezifana nezinga lenzalo kanye namazinga amahholo.
IZINDLELA ZOKONGA NOKUTSHALISA
Isitokvel sisebenza phezu sesisekelo sokonga ngokubambisana lapho amalungu akhokha inani eliqondile lemali esikwameni esisemthethweni ngokwesikhathi esithile. Lezizinkokhelo zisuke zisetshenziselwa izinhlelo zokutshalisa ezahlukahlukene noma zikongwe ukuze zisetshenziswe ngomuso. Izindlela zokutshalisa zingahlukahluka kusukela esitokvelini esinye kuya kwesinye, ezinye zingakhetha izinketho ezingabandakanga ubungozi kakhulu ezifana nama-akhawunti esikhwama esiqondile anikezwa yiziko lezezimali elithembekile elifana neStandard Bank noma iNedbank, kanti ezinye zingatshalisa ezinkundleni zomphakathi noma ebhizinisini elincanyana elingaholela izinzuzo eziphezulu.
- Ukonga: Ukufaka imali ngokwesikhathi esikwameni esisemthethweni.
- Ukutshalisa: Ukukhetha phakathi kwezinketho ezingabandakanga ubungozi kakhulu ezifana neziko lezezimali noma izinhlelo ezinezinzuzo eziphezulu.
IZINGA LENZALO NEZEZIMALI
Izinga lenzalo lidlala indima ebalulekile ezitokvelini uma zikhetha ukonga ngeziko lezezimali. Njengesikhungo sokonga ngokubambisana, zivame ukutholakala izinga lenzalo eliphezulu kuma-akhawunti okonga noma esikhwameni esiqondile uma kuqhathaniswa nama-akhawunti awedwa.
Ukuphathwa kwe-akhawunti yesitokvel ebhange ikakhulu ikhohlisa ukuthi kungahlalwa kanjani inani elikhulu lemali ekukongeni, kukhumbulwe namazinga amahholo ebhange. Okubakhona ukuthi ukubambisana kwesitokvel nebhange kubukelwe yiFinancial Intelligence Centre Act (FICA), ukusiza ukuvimbela ukugcina imali ngokungekho emthethweni.
- Izinga lenzalo: Izinga elikhethekile, elithintwe yizinani zokonga nezinsuku.
- Ukonga: Ukuhlangabezana nemithetho efana ne-FICA, kanye nokuphathwa kwamazinga amahholo.
IZINZUZO NOBUNGOZI BOKUBAMBA IQHAZA
Ekuhloleni izindlela zokusebenza kwesitokvel, kumele ukubhekwe izinzuzo zezomnotho ezizinikeza kanye nobungozi obungenzeka ukuthi amalungu abubhekane nabo. Leli qhinga eliphindaphindekayo liyaqondisisa ukwenziwa kwezinqumo zabantu uma beqhathanisa inani lokubamba iqhaza esitokvelini.
IZINZUZO ZEZOMNOTHO
Isitokvel sinikeza izinzuzo ezahlukahlukene zezomnotho:
- Ukonga ngokubambisana: Kugqugquzela amalungu ukuba akhokhe ngokwesikhathi esithile, okuvumela ukuqoqwa kwesikwama esikhulu semali.
- Izinga lenzalo eliphezulu (uma kuqhathaniswa nama-akhawunti okonga ajwayelekile): Izikwama eziqoqwe zivame ukuholela izinzuzo eziphezulu ngenxa yamandla okuxoxisana ngokubambisana.
- Ukuqokelelwa kwezindleko zokudla noma izakhiwo: Kuvumela amalungu ukuthi akwazi ukuthenga izinto eziningi zokudla noma ukutshalisa ezakhiweni zomndeni.
- Okunye kuneziko lezezimali: Kwabathile, isitokvel sisebenza njengesikwama sokubolekisana, sinikeza ukufinyeleleka kwemali lapho iziko lezezimali elisemthethweni lingafinyeleleki kalula.
IZINKINGA EZINGENZEKA
Nokho, abambiqhaza kumele bazi ngobungozi obuthile:
- Izinkinga zokuphepha: Ukuphetha imali eningi ingenza amalungu abe yizinhloso zokweba.
- Ukuqhogeka: Kunobungozi bokuba khona kwezinhlelo zokuqhogeka phakathi kwesitokvel, okungaholela ekwenziwa kwezinkokhelo ezingekho emthethweni.
- Ukungabikho kokubuswa ngokusemthethweni: Ngaphandle kweziko lezezimali noma izikwama zokubolekisana, isitokvel akubuswa ngokusemthethweni, okungaholela ezinkingeni zokungabikho kokuziphatha ngokufanele.
- Ukuxhomeka ezindleleni zomphakathi: Impumelelo yesitokvel ingaxhomeka kakhulu ekuziphatheni nasezinhlelweni zezezimali zamalungu alo.
IZINHLOBO NOKUPHATHWA KWESITOKVEL
Isitokvel eNingizimu Afrika sibonisa izinhlobo ezahlukahlukene zezinhlelo zokonga ngokubambisana, ezahlukahlukene ngendlela ezisebenza ngazo kanye nezindlela zokuphathwa kwazo. Ngayinye ihlangabezana nezidingo ezahlukahlukene zezezimali, kusukela ekukongeni nasekubolekiseni, kuya ekutshaleni nasekuthengeni izindleko zokudla ngokubambisana.
UKUHLUKAHLUKA KWEZINDLELA ZESITOKVEL
Isitokvel Sokujikeleza:
- Inhlobo ejwayelekile kakhulu, esebenza ngokonga ngokwesikhathi esithile esikwameni esisemthethweni.
- Izinkokhelo ezinkulu zinikezwa ngokujikajika ukuze zisetshenziswe nganoma yikuphi.
Iziqoqo Zokonga:
- Kugxile ekwakheni izikwama zezinhloso ezithile ezifana nezindleko zeholide noma zemfundo.
- Kungahambisana ne-Standard Bank Society Scheme Savings Account ukuze kuphathwe ngokuphepha.
Isitokvel Sokutshalisa:
- Ihlose ukwandisa isivumelwano samalungu ngokutshalisa ezintweni ezahlukahlukene zezezimali.
- Ukuhlolwa okucacile kanye nendlela enobuqili kubalulekile ukuze kuphumelele.
Isitokvel Sezindleko Zokudla:
- Qoqela izinsizakalo ukuze uthenga izindleko zokudla ngenani elikhulu, kuvamise