Ukwethulwa kwebhange elisha labesifazane iYWBN
Kodwa bazimisele ukwamukela abesilisa ukutshala imali
Kwakungowezi-2011 lapho owesifazane owabe eneminyaka engama-24 nje vo aqala khona inhlangano ebizwa ngeYoung Women in Business Network (YWBN). Ebuka izikhala nokugqoza kosizo okumele malutholwe abesifazane ikakhulukazi abasebancane ezimbonini nakuminyango kaHulumeni, uNks uNthabeleng Likotsi, waba nombono wokusondeza bonke abesifazane boHlanga ikakhulukazi kule nhlangano abe eyiqalile. Wakwenza lokhu ukuze bafakane imilomo mayelana nezimo ezikhona eNingizimu Afrika ezibandlulula aboHlanga ngezimali zokuqala amabhizinisi, ikakhulukazi abesifazane.
Akagcinanga lapho, wabe eseba nombono omkhulu, owawubonakala ungaphezu kwamandla omuntu omusha futhi osemncane kanti ebe engowesifazane njengaye. Imicabango yokuzibandakanya nale mboni yezezimali njengezinye izimboni eyaziwa njengesaphethwe kakhulu ngamadoda, ikakhulukazi abelungu.
Kuyilapho aqala khona umbono webhange elizothi liphathwe ngaboHlanga ikakhulu bengabesifazane. Nxa sibheka ukuphathwa kwamabhange eNingizimu Afrika, kwahlukene izigaba ezintathu, esokuqala ngesikubiza ngeCooperative Financial Institution (CFI). AmaCFI luhlobo lwezamabhange acishe afane nezitokofela lapho abantu bonga khona imali ndawonye ngenhloso yokubolekisana le mali bebodwa njengamalungu enhlangano. Ukuqala lolu hlobo lwaleli bhange, kumele abantu babe linani elithize bese beba nemali okungenani eyisigidi samarandi, kumele bafunde ukonga bendawonye nokufanele ngokwemigomo yokusebenza kwalesi sizindamali esilawulwa uMnyango Wezezimali eNingizimu Afrika kube yinto eqhubekayo nyangazonke. Kufanele futhi babe nemihlangano yamalungu neyebhodi ebanjwayo ngezikhathi ezithile ukuze kuqinisekiswe ukuthi konke kusebenza ngendlela edingakalayo. Akumangalisi ukuthi le nhlangano ingene kulesi sigaba salolu hlobo lwamabhange yenza njengoba kufanele, yaqinisekisa zonke izinto okumele mazifezwe njengokwemigomo kaHulumeni.
Okwesibili, luhlobo lwamabhange abizwa ngeMutual Bank, lawa-ke akwazi ukwemukela wonke umuntu osuke efisa ukonga nokuboleka imali okubandakanya nalabo abangewona amalungu enhlangano leyo.
Kuba khona abaqondisi nabanini baleli bhange. Ngaphandle kwemali eningi okumele isetshenziswe ukwakha leli bhange, kumele okungenani ube nemali engengaphansi kwezigidi ezilishumi zamarandi.
Ngaphezu kwale mali kumele kube nomuntu ozokweseka ngemali ibhangengodla lezwe iSouth African Reserve Bank (SARB).
ISARB elawulwa ngaphansi komthetho woMnyango Wezezimali kuleli, ibe seyigcina le mali ukuze iqinisekise ukuthi unabo abantu labo abacela imvume yokusebenza njengebhange bayokwazi ukubhekana nemigomo yokulawulwa kwaloluhlobo lwebhange. Le mali akumele ibe ngaphansi kwezigidi ezilikhulu.
Uhlobo lokugcina lwamabhange kuba olwaziwa ngeCommercial Bank. Lolu hlobo amabhange amakhulu okumele isiqalo sawo sithi mawabe nemali engaphezulu kwezigidi ezingamakhulu amabili zamarandi. Nxa kukhulunywa ngemigoqo ebekiwe kulolu hlobo, ithi ayibe zintaba zokhahlamba kwaboHlanga. Lezi zinhlobo ezimbili zokugcina, okuyiMutual neCommercial yilapha kudlalela khona osozimali ikakhulu abelungu. Kuba lukhuni satshe ukuzibandakanya nale ngxenye yezomnotho hhayi ngoba usuke ungenamali, isizathu esikhulu kuba imithetho nemigomo enqala ebekwayo ukuvikela ukusebenza kwala mabhange, nokuqinisekisa ukuthi imali yabantu iphephile. Kanti-ke futhi nanendlela engalungile lapho idlanzana lizisiza lodwana ngale ngxenye yezomnotho owumgogodla wayo yonke into ezweni.
UMaLiKotsi usebenze nethimba lakhe ukwakha ibhange eliyiCFI enenhloso enkulu yokuthi afinyelele esigabeni seMutual Bank kusuka ngowezi-2011. IYWBN ibe namalungu cishe angama-700 njengebhange lesitokofela. Umbono wayo bekuwukusiza osomabhizinisi boHlanga ngokwemigomo yokubolekana ngemali cishe engaphezulu kwekhulu lamarandi. Ikwenze ngokukhulu ukucophelela le CFI lokhu, ibe iqhubeka eceleni ifaka isicelo sokwakha ibhange elisezingeni elikhulu iYWBN Mutual Bank.
Mhla zingama-25 kuMbasa kowezi-2021, le ntokazi nethimba layo baqophe umlando ngokumemezela okokuqala ngqa eNingizimu Afrika ibhange elakhiwe ngowesifazane osemncane, futhi obonise amava amakhulu ekubeni nombono waba ngumholi okwaze ukuhlanganisa aboHlanga bevela ezigabeni eziningi zezemfundo. Yize le nhlangano ibizwa ngegama elicacisa ukuthi ingeyabesifazane, kepha ikwazile ukwamukela nabesiliisa. UMaLikotsi ukuqinisekisile ukuthi yize baqala njengebhange labesifazane, kepha bazimisela ukwamukela nabesilisa njengababezotshala nabo izimali befukula umbono. Inqobo nje uma laba besilisa bezohambisana nemigomo yolulawulwa ngabantu besifazane futhi beqonda umbono weYWBN.
Ukuvela kwebhange lokuqala eliyiMutual Bank, kusho ukuthi leli bhange selizoba cishe elesine eNingizimu Afrika. Ibhange elibe nedumela kakhulu njengeMutual bank elibesezindabeni isikhathi eside elibizwa ngeVBS Mutual Bank okuyibhange elaqala kwelaseVenda. Ukuwa kwalo kwalethela enkulu ingcindezi aboHlanga ukuthi bayokwazi yini ukuphatha ngendlela izizinda ezifana namabhange nxa ukwehluleka kunje. Yize inkulu injabulo eNingizimu Afrika nokwethulwa kwemvumo yokusebenza kwaleli bhange, kepha amehlo azobe ethe njo kulo ekutheni lizokwazi yini ukusebenza ngendlela.
