Izibhengezo
Iingcali zibonakalisa inkxalabo ngomjikelo ophindaphindwayo wamatyala emva kothethathethwano ngokutsha. Inkqubo i-Desenrola, inyathelo likarhulumente womanyano lokuhlawula amatyala, inokuba ngumgibe ukuba izigidi zabantu baseBrazil ababuyisela ukuthembeka kwabo kwimarike abakwazi ukulawula izixhobo zabo zemali, zitsho iingcali kwi-InfoMoney.
Kwinyanga yokusungulwa kwayo, i-Desenrola yafikelela kwi-R$ 9,5 yezigidigidi kwizivumelwano zemali, kuphela kwiCandelo 2, apho abo banamatyala bajongana namatyala abo asebhankini ngokuthe ngqo neebhanki phantsi kweemeko ezahlukileyo, njengoko kutshanje kubhengezwe yi-Federação Brasileira de Bancos (Febraban).
Izibhengezo
I-Febrabran icacisa ukuba olu didi lubandakanya abathengi abanengeniso yenyanga engaphezu kwemivuzo emibini ephantsi kwaye engaphantsi kwe-R$ 20 lamawaka, nabangeyonxalenye ye-Cadastro Único kaRhulumente woManyano.
Ukususela nge-17 kaJulayi ukuya nge-18 ka-Agasti, uthethathethwano ngamatyala lwasungula izivumelwano ezizizigidi ezi-1,5, lwafikelela kubathengi basebhankini abamalunga nezigidi ezi-1,1. Ukuthatha inxaxheba kule nkqubo kuya kuqhubeka kude kube nge-31 kaDisemba.
NgoSeptemba, inqanaba lesibini leprojekthi lijonge ukunceda abathengi abanengeniso efikelela kwimivuzo emibini ephantsi esemthethweni okanye abo babhaliswe kwiCadastro Único. Eli candelo, elijongwa njengelabantu abanengeniso ephantsi, liza kufumana ithuba lokuhlawula amatyala afikelela kwi-R$ 5 amawaka eentlobo ezahlukeneyo.
Iziphumo kunye nefuthe leNkqubo iDesenrola
Funda kwakhona: Desenrola Brasil: Uthethathethwano kwakhona ngamatyala oluqaliswe ziivenkile ezinkulu
“Ekuqaleni, injongo kukunciphisa inani labantu abangahlawuliyo. Noko ke, abaninzi basuka ekungahlawulini baye kwityala elitsha ngokuphinda baxoxisane ngamatyala. Oku kuthetha ukuba bafumana olunye uxanduva lwezemali”, kugxininisa uCintia Senna, ingcali kwezemali nomgqatswa wobugqirha kwiFlorida Christian University (FCU).
Iinkcukacha-manani zeConfederação Nacional do Comércio de Bens, Serviços e Turismo (CNC) zibonisa ukuba izinga leentsapho ezinamatyala eBrazil lehle kancinci ukusuka kuma-78,5% ngoJuni ukuya kuma-78,1% ngoJulayi. Oku kukwehla kokuqala ukusukela ngoNovemba 2022, kwaye iCNC ithi iDesenrola sisizathu soko.
“Ngaphandle kolawulo oluhle lwezemali nohlahlo-lwabiwo mali olucwangcisiweyo, kunokwenzeka kakhulu ukuba lo mntu, osombulule ityala lakhe langaphambili, abuyele kwimeko efanayo ngenxa yokungakwazi ukujongana nezavenge ezintsha okanye ngenxa yokuthatha amanye amatyala”, uhlalutya uLuan Correia, ingcali ephezulu eUnicred kwezemfundo yezemali.
Ingcali yezoqoqosho uIone Amorim ibalaselisa ukuba le nkqubo inokuba yingozi kumthengi kuba ijolisa kuphawu lwengxaki hayi kwimvelaphi yayo.
“Abantu bathethathethana ngqo neebhanki. Rhoqo, banabatyalwayo abaninzi, bafumana izibonelelo ezininzi kwaye kufuneka bagqibe ngeyona ndlela ilungileyo. Balungiselelwa nini oku? Ngaba bafumana amalungiselelo ayimfuneko kwezemali? Le ndlela yokujongana namatyala ayisebenzi”, libuza ingcali, ekwakhokela i-Idec (Instituto Brasileiro de Defesa do Consumidor).
Imingeni kuLawulo lwezeMali kunye neSidingo seMfundo
Ngenxa yokunqongophala kwezakhono zokujongana nemali, abathengi abaninzi, xa bethatha inxaxheba kwiinkqubo ezifana neDesenrola, abazihlalutyi ngokufanelekileyo izindululo yaye, becinezelwe yimfuneko, bamkela imigaqo engabancediyo.
“Kutshanje, ndaphatha ityala elinxulumene neDesenrola: umntu wayenetyala le-R$ 3 lamawaka. Isindululo sasizizavenge ezingama-96 ze-R$ 187. Phantse i-R$ 18 lamawaka. Iminyaka esibhozo ehlawula imali ephindwe kathandathu ngenxa nje yokuba isavenge “sasifikeleleka”. Wayenokulinda isigaba esilandelayo sale nkqubo okanye asivavanye ngcono isindululo, kodwa ngenxa yokungakulungeli, wazibandakanya ematyaleni nangakumbi”, ubalisa u-Ione Amorim.
Ngenxa yeso sizathu, isazi ngezoqoqosho sikhuthaza imfundo yezemali kwabo babonelela ngetyala. “Baninzi kwimarike ababonelela ngetyala baze benze uthethathethwano ngokutsha ngendlela egqithisileyo nexhaphazayo. Ubudlelwane nomthengi busenzeka nangoku ngokuxhomekeka rhoqo kwityala: umthengi uzifaka ematyaleni kangangoko anako, ajongane nobunzima aze athethathethane ngokutsha. Kwezinye iimeko, akaze akwazi ukuhlawula imali yonke”, uyagxeka.
Izibhengezo
Ngokutsho kwakhe, ubudlelwane bufanele busekwe kwixesha elifutshane. “Sebenzisa ityala, hlawula ityala lakho uze ulungele ukucela elinye ityala. Umhlawuli olungileyo wokwenene ngulowo uqalisa aze agqibe iintlawulo zakhe”, utsho u-Amorim.
Inkqubo yemfundo yezemali ingongeza ixabiso kwiDesenrola Brasil
NgokweSebe lezeMali, iDesenrola iza kuba nekhosi yemfundo yezemali, ejolise kuluntu olunengeniso ephantsi ngoSeptemba.
“Le khosi ibalulekile ukuze abo baxhamlayo kule nkqubo baqonde indlela yokuthintela ezinye iziganeko zokungena ematyaleni kunye nezithintelo kwikhredithi”, lichaza isebe kwingxelo, lingakhange lichaze iinkcukacha zomxholo okanye indlela uluntu oluya kukwazi ukufikelela ngayo kule khosi.
ISebe lichaza ukuba iDesenrola “ibonelela ngendlela yokukhetha ukuhlaziywa kwemali-mboleko yamatyala, yenze uthethathethwano ngokutsha lucace ngakumbi kwaye yandise ukuqonda komsebenzisi ngemeko yakhe yezemali. Le nkqubo ikwamele uhlobo lwemfundo, njengoko umntu eyithatha ngokwakhe aze ahlengahlengise imeko yakhe yezemali”.
Nangona le nkqubo ijolise ikakhulu kuluhlu lwabantu abanengeniso ephantsi, kuyimpazamo ukucinga ukuba ngabona bahluphekayo kuphela abajamelana nokunqongophala kwemfundo yezemali.
“Kwanele ukujonga isixa sezivumelwano kwiDesenrola kwesi sigaba: abantu abarhola ukuya kutsho kwi-R$ 20 lamawaka abasajamelene namatyala ngenxa yokungazilawuli ngokufanelekileyo izibonelelo zabo”, kugxininisa uCorreia, waseUnicred.
Kubalulekile ukuqaphela ukuba, phakathi kwabona bahlelelekileyo, ukungalingani kumanqanaba ahlukeneyo kuchaphazela kakhulu uhlahlo-lwabiwo mali. “Ukungabikho kwemisebenzi, iingxaki zempilo nokungafikeleli ngokubanzi nazo zinempembelelo”, utshilo uSenna.
Ngaba ukuba netyala yinto embi?
Funda kwakhona: I-Real Digital: Oorhulumente bavavanya utshintsho kwiintlawulo zezibonelelo. Qonda!
Ukuba netyala ngokwakho akuyonto embi. Amaxesha amaninzi, ityala linokuba sisixhobo sokufikelela kwinjongo, njengokuthenga indlu okanye ukutyala imali kwimfundo. Umbuzo kukwazi ukulawula elo tyala ngendlela esempilweni, ngaphandle kokuba likhule lingalawuleki.
“Eyona nto ilungileyo kukuba ityala lingagqithi kwi-30% yengeniso yenyanga yomntu. Ngaphezu koko, imeko ingaphuma kulawulo”, kucebisa uCorreia.
“Kwelinye icala, amatyala enziwa ngenxa yokuthanda ukuthenga, ngaphandle kwenjongo ecacileyo, ayingozi. Kubalulekile ukuqonda umahluko phakathi kokufuna nokudinga”, uqukumbela uSenna.
