Izikhangiso
Ochwepheshe bakhathazekile ngomjikelezo ophindaphindayo wezikweletu ngemva kokuxoxisana kabusha. Uhlelo i-Desenrola, oluyisinyathelo sikahulumeni wobumbano sokulungisa izikweletu, lungase lube ugibe uma izigidi zabantu baseBrazil abaphinde bathole ukwethembeka kwabo emakethe zingakwazi ukuphatha kahle izinsiza zazo zezimali, kusho ochwepheshe ku-InfoMoney.
Ngenyanga yokuqala yokuqaliswa kwalo, i-Desenrola yafinyelela ku-R$ 9,5 billion ezivumelwaneni zezimali, kuphela kuSigaba 2, lapho abantu abakweletayo belungisa izikweletu zabo zasebhange ngokuqondile namabhange ngaphansi kwezimo ezikhethekile, kumemezele i-Federação Brasileira de Bancos (Febraban) muva nje.
Izikhangiso
I-Febraban icacisa ukuthi lesi sigaba sihlanganisa amakhasimende anemali engenayo yanyanga zonke engaphezu kwamaholo amancane angu-2 nangaphansi kuka-R$ 20 mil, futhi angekho ku-Cadastro Único kaHulumeni Wobumbano.
Kusukela ngomhlaka-17 Julayi kuya kumhlaka-18 Agasti, izingxoxo zezikweletu zaholela ezivumelwaneni eziyizigidi ezingu-1,5, zafinyelela kumakhasimende asebhange angaba yizigidi ezingu-1,1. Ukubamba iqhaza kulolu hlelo kuzoqhubeka kuze kube mhla zingama-31 kuZibandlela.
NgoSepthemba, isigaba sesibili salo msebenzi sihlose ukusiza abathengi abahola imali efinyelela emiholweni emibili ephansi esemthethweni noma ababhaliswe ku-Cadastro Único. Leli qembu, elibhekwa njengelinemali encane, lizothola ithuba lokukhokha izikweletu ezifinyelela ku-R$ 5 mil ngezinhlobo ezahlukene.
Imiphumela Nomthelela Wohlelo lwe-Desenrola
Funda futhi: I-Desenrola Brasil: Ukuxoxisana Kabusha Ngezikweletu Okusheshiswe Izitolo Ezinkulu
“Ekuqaleni, inhloso ukunciphisa inani labantu abangakhokhi izikweletu zabo. Nokho, abaningi basuka ekungakhokhini izikweletu baye esikweletini esisha ngokuxoxisana kabusha. Lokhu kusho ukuthi bathatha esinye isibopho sezimali”, kugcizelela uCintia Senna, uchwepheshe wezezimali futhi ongenele iziqu zobudokotela eFlorida Christian University (FCU).
Izibalo ze-Confederação Nacional do Comércio de Bens, Serviços e Turismo (CNC) ziveza ukuthi izinga lemindeni enezikweletu eBrazil lehle kancane lisuka ku-78,5% ngoJuni laya ku-78,1% ngoJulayi. Lokhu ukwehla kokuqala kusukela ngoNovemba 2022, futhi i-CNC ithi i-Desenrola iyisizathu salokho.
“Ngaphandle kokuphathwa kahle kwezimali kanye nesabelomali esihlelwe kahle, maningi amathuba okuthi lo muntu, oxazulule isikweletu sakhe sangaphambilini, abuyele esimweni esifanayo ngenxa yokungakwazi ukubhekana nezitolimende ezintsha noma ngenxa yokuthatha ezinye izikweletu”, kuhlaziya uLuan Correia, uchwepheshe omkhulu we-Unicred kwezemfundo yezezimali.
Isazi sezomnotho u-Ione Amorim sigcizelela ukuthi lolu hlelo lungaba yingozi kumthengi ngoba lugxila ophawini lwenkinga kunasemthonjeni wayo.
“Abantu baxoxisana ngokuqondile namabhange. Kaningi, banababolekisi abaningi, bathola izipesheli ezihlukahlukene futhi kufanele banqume indlela engcono kakhulu. Balungiselelwa nini lokhu? Ingabe bathola ukulungiselela kwezezimali okudingekayo? Le ndlela yokubhekana nezikweletu ayisebenzi”, kubuza uchwepheshe, ophinde ahole i-Idec (Isikhungo SaseBrazil Sokuvikela Abathengi).
Izinselele Ekuphathweni Kwezimali kanye Nesidingo Semfundo
Ngenxa yokuntula ikhono lokuphatha izimali, abathengi abaningi, lapho bebamba iqhaza ezinhlelweni ezifana ne-Desenrola, abazihlaziyi ngokwanele iziphakamiso futhi, becindezelwa yisidingo, bamukela imigomo engabazuzisi.
“Muva nje, ngangibhekene necala elihlobene ne-Desenrola: umuntu wayenesikweletu sika-R$ 3 000. Isiphakamiso sasiyizitolimende ezingu-96 zika-R$ 187. Cishe u-R$ 18 000. Iminyaka eyisishiyagalombili ekhokha imali ephindwe kasithupha, ngenxa nje yokuthi isitolimende sasibonakala “sifinyeleleka”. Wayengalinda isigaba esilandelayo sohlelo noma ahlole kangcono isiphakamiso, kodwa ngenxa yokungazilungiseleli, wagcina esenezikweletu ezengeziwe,” kubika u-Ione Amorim.
Ngenxa yalesi sizathu, isazi sezomnotho sikhuthaza imfundo yezezimali kulabo abahlinzeka ngesikweletu. “Abaningi emakethe bahlinzeka ngesikweletu futhi benza ukuhlela kabusha izikweletu ngendlela eyeqisayo nexhaphazayo. Ubudlelwano nekhasimende busenzeka ngokuncika okuqhubekayo esikweletini: ikhasimende lizifaka ezikweletini kakhulu, libhekane nobunzima bese lihlela kabusha isikweletu. Kwezinye izimo, alikwazi neze ukukhokha lonke inani,” liyagxeka.
Izikhangiso
Ngokusho kwakhe, lobu budlelwano kufanele busungulwe esikhathini esifushane. “Sebenzisa isikweletu, khokha isikweletu sakho futhi ulungele ukucela esinye isikweletu. Umkhokhi omuhle wangempela yilowo oqala futhi aqede izinkokhelo zakhe,” kusho u-Amorim.
Uhlelo lwemfundo yezezimali lunganezela ku-Desenrola Brasil
Ngokwe-Ministry of Finance, i-Desenrola izoba nesifundo semfundo wezezimali, esiqondiswe emphakathini ohola kancane ngoSepthemba.
“Kubalulekile ukuthi kube khona lesi sifundo ukuze labo abazuze kulolu hlelo baqonde ukuthi bangazivimbela kanjani ezinye izigameko zokuba nezikweletu kanye nemikhawulo yesikweletu”, kusho umnyango esitatimendeni, ngaphandle kokuchaza kabanzi ngokuqukethwe noma ukuthi umphakathi uzokwazi kanjani ukufinyelela kulesi sifundo.
Umnyango uthi i-Desenrola “inikeza indlela yokukhetha ukuxhaswa kabusha kwezikweletu, okwenza ukuhlela kabusha kube sobala kakhudlwana futhi kwandise ukuqonda komsebenzisi ngesimo sakhe sezezimali. Le nqubo iphinde imele indlela yemfundo, njengoba umuntu eyithatha njengengxenye yakhe futhi ehlela kabusha isimo sakhe sezezimali”.
Nakuba lolu hlelo luhlose ikakhulukazi ingxenye yabahola kancane, kuyiphutha ukucabanga ukuthi abantu abampofu kuphela ababhekana nokuntuleka kwemfundo yezezimali.
“Kwanele ukubheka inani lezivumelwano e-Desenrola kulesi sigaba: abantu abahola kuze kufike ku-R$ 20 mil futhi abasabhekene nezikweletu ngenxa yokungaziphathi kahle izinsiza zabo”, kugcizelela uCorreia, wase-Unicred.
Kubalulekile ukuphawula ukuthi, phakathi kwabancishwe amathuba kakhulu, ukungalingani emazingeni ahlukahlukene kuthinta kakhulu isabelomali. “Ukungasebenzi, izinkinga zempilo kanye nokuntuleka kokufinyelela okujwayelekile nakho kuyaba nomthelela,” kuphawula uSenna.
Ingabe ukuba nesikweletu kuyinto embi?
Funda futhi: I-Real Digital: Ohulumeni Bahlola Izinguquko Ezinkokhelweni Zezinzuzo. Thola Ukuqonda!
Ukuba nesikweletu ngokwakho akuyona into embi. Izikhathi eziningi, isikweletu singaba ithuluzi lokufeza inhloso, njengokuthenga indlu noma ukutshala imali kwezemfundo. Umbuzo uwukwazi ukuphatha leso sikweletu ngendlela enempilo, ngaphandle kokuba siguquke sibe yibhola leqhwa.
“Okuhle wukuthi isikweletu singeqi ku-30% wemali engenayo yanyanga zonke yomuntu. Uma singaphezu kwalokho, isimo singaphuma ekulawulweni,” kweluleka uCorreia.
“Ngakolunye uhlangothi, izikweletu ezithathwe ngenxa yokuthenga ngokweqile, ngaphandle kwenhloso ecacile, ziyingozi. Kubalulekile ukuqonda umehluko phakathi kokufuna nokudinga,” kuphetha uSenna.
