Njengoba umhlaba uqhubeka nokushintsha uba ngowedijithali, nesidingo sezinsizakalo zemali ngetekuchwepheshe siyakhula, ikakhulukazi emazweni asathuthuka njenge-Eswatini. Izinkampani eziningi zivela, zithemba ukuhlinzeka ngezixazululo ezisheshayo nezilula zokuboleka imali. I-AFC Digital Yebo ingelinye lamagama avukile kulesi simo. Kodwa-ke, njengoba siyizazi zezimali nababhali bezinhlaka, kubalulekile ukuhlola ngokucophelela noma iyiphi inkampani enikeza izinsizakalo zezimali, ikakhulukazi uma isebenza endaweni elawulwa yimithetho eqinile.
Lolu cwaningo luhlose ukukunikeza umbono ophelele nge-AFC Digital Yebo e-Eswatini, ngokusho kolwazi olutholakala esidlangalaleni. Kuyinto ebaluleke kakhulu ukukhumbula ukuthi umthombo wolwazi esiwusebenzisile uphakamisa ukuntuleka okukhulu kwemininingwane evulekile ngale nkampani.
Uhlaka Olujwayelekile Ngesizinda Senkampani e-Eswatini
Ngokuvamile, lapho kuhlaziywa inkampani efana ne-AFC Digital Yebo, singalindela ukuthola imininingwane eminingi ngesizinda sayo. Lokhu kufaka igama layo elisemthethweni eligcwele, usuku yasungulwa ngalo, ubunikazi bayo, kanye nabaphathi abaphezulu. Ngokwesiko, le mininingwane ibhaliswa nezinhlaka ezilawulayo zikahulumeni, njengabakwa-Registrar of Companies e-Eswatini, kanye neBhange Elikhulu lase-Eswatini (Central Bank of Eswatini) uma kuyinkampani yezimali.
Nokho, ngokuphathelene ne-AFC Digital Yebo, ucwaningo lwethu luveze ukuthi:
- Igama elisemthethweni nokubhaliswa: Akukho okufakiwe okutholakele ngegama elithi AFC Digital Yebo ebhukwini lobhaliso lwezinkampani zase-Eswatini, noma kunoma yiziphi izizindalwazi zamazwe omhlaba ezaziwayo. Lokhu kusho ukuthi inkampani ingase ingabhaliswa ngaphansi kwaleli gama noma ingase ingabhaliswa nhlobo njengenkampani yezimali.
- Unyaka yasungulwa ngalo nobunikazi: Akukho lwazi olutholakala oluqinisekisiwe.
- Imodeli yebhizinisi kanye nemakethe eqondiwe: Akukho ncazelo esidlangalaleni ngemodeli yebhizinisi le-AFC Digital Yebo noma ngemakethe eqondiwe. Lokhu kwenza kube nzima ukuhlola ukuthi izinsizakalo zayo zihambisana yini nezidingo zabathengi base-Eswatini.
- Abaphathi abaphezulu: Akukho magama abaphathi noma abaqondisi abatholakele esidlangalaleni. Ukungazi ukuthi ngobani abahola inkampani kwenza kube nzima ukuhlola ukwethembeka kwayo kanye nesipiliyoni sabaphathi.
Ukuntuleka kwalolu lwazi oluyisisekelo kufanele kube uphawu olubomvu kunoma ngubani ocabanga ukusebenzisana nale nkampani. Ezinkampanini zezimali, ukucaca nokungafihli lutho kubalulekile ukuze kwakhiwe ukwethenjwa.
Izinhlobo Zemali Mboleko Nezinsizakalo Ezithengiswayo yi-AFC Digital Yebo
Kwezinye izinkampani ezibolekisa ngemali ngetekuchwepheshe, singalindela ukuthola izinhlobo ezahlukene zemali mboleko, njengemali mboleko esheshayo, izikwelede ezincane, noma izikwelede zamabhizinisi amancane. Singaphinde silindele ukuthola imininingwane eqondile ngamanani enzalo, izimali zokusebenza, kanye nemibandela yokukhokha. Nokho, ngokuphathelene ne-AFC Digital Yebo:
- Awekho amaphepha: Akukho bufakazi bezinsizakalo zemali mboleko ezitholakala ngaphansi kwaleli gama.
- Amanani enzalo nemali yokusebenza: Ngenxa yokuntuleka kolwazi ngezinzuzo zemali mboleko, akukho lwazi olutholakala ngamanani enzalo noma izimali zokusebenza ezingahlonzwa nge-AFC Digital Yebo. Lokhu kusho ukuthi ababoleki bangase bangakwazi ukuhlola izindleko zangempela zokuboleka imali kule nkampani.
- Imibandela yokuboleka: Akukho lwazi olutholakala ngemibandela yokuboleka, isibonelo, ukuthi kudingeka yini isibambiso (collateral) noma imingcele emali mboleko.
Lolu lwazi luyisihluthulelo kunoma ngubani ocabanga ukuboleka imali. Ngaphandle kwalo, umuntu akakwazi ukwenza isinqumo esinolwazi olugcwele.
Inqubo Yesicelo Nezidingo, Uhlelo Lokusebenza Lweselula, kanye Nesipiliyoni Somsebenzisi
Izinkampani zokuboleka imali ngetekuchwepheshe zivame ukugxila ekubeni lula nasekusebenziseni izindlela zedijithali zenqubo yesicelo. Lokhu kuvame ukufaka izinhlelo zokusebenza zeselula (mobile apps), amawebhusayithi, kanye nenqubo elula yokubhalisa. Ngokuphathelene ne-AFC Digital Yebo:
- Iziteshi zesicelo: Akukho lwazi olutholakele ngeziteshi zesicelo, njengohlelo lokusebenza lweselula (iOS/Android), iwebhusayithi yenkampani, noma amagatsha asemhlabathini.
- Inqubo yokubhalisa nokuhlolwa kwesikwelede: Akukho lwazi olutholakala ngendlela inkampani ehlole ngayo isikwelede noma yenza ukuqinisekiswa komazisi.
- Ukutholakala kohlelo lokusebenza nesipiliyoni: Akukho uhlelo lokusebenza olungatholakala ezitolo zezinhlelo zokusebenza, noma ubufakazi bokuba khona kwalo. Lokhu kusho ukuthi akukho ukubuyekezwa kwabasebenzisi noma izilinganiso ezingahlolwa.
Ukunika amandla abathengi ukuthi bathole izinsizakalo ngokulula ngedijithali kubalulekile. Kodwa ukungabikhona kwalezi zindlela kubonisa ukuthi inkampani ingase ingasebenzi kahle noma ingekho ngokugcwele.
Isimo Sokulawulwa Kwemithetho Nokunikezwa Kwelayisense
E-Eswatini, zonke izikhungo zezimali, kufaka phakathi izinkampani ezibolekisa ngemali, kufanele zilawulwe yiBhange Elikhulu lase-Eswatini. Lokhu kuqinisekisa ukuthi zisebenza ngendlela efanele, zilandela imithetho, futhi zivikela izintshisekelo zabathengi. Ngokuphathelene ne-AFC Digital Yebo:
- Ilayisense: Akukho rekhodi lelayisense elitholakele neBhange Elikhulu lase-Eswatini noma nanoma iyiphi inhlaka elawulayo efanele.
- Ukulandela imithetho: Ngenxa yokuntuleka kwelayisense, akukho bufakazi bokuthi inkampani ilandela noma iyiphi imithetho yezimali noma imithetho yokuvikela abathengi.
Lena yindawo ebaluleke kakhulu. Ukusebenza nenkampani engalawulwa kungabeka ingozi enkulu emalini yakho kanye nolwazini lwakho lomuntu siqu. Izinhlangano ezingalawulwa azihlinzeki ngokuvikeleka okufanayo nezinhlangano ezilawulwayo, futhi zingase zingabi nasibopho ngomonakalo noma ukulahlekelwa okungalindeleka.
Ukubuyekezwa Kwamakhasimende Nesimo Semakethe
Uma kuhlaziywa inkampani yezimali, ukubuyekezwa kwamakhasimende kuyasho okukhulu. Kunikeza umbono wokuthi abantu bayithola kanjani insizakalo yenkampani. Ngokuphathelene ne-AFC Digital Yebo:
- Akukho ukubuyekezwa: Akukho ukubuyekezwa kwabasebenzisi noma izilinganiso ezitholakala ezitolo zezinhlelo zokusebenza, ezinkundleni zokuxhumana, noma kwamanye amapulatifomu okubuyekeza amakhasimende.
- Isimo semakethe: Akukho datha ngesabelo semakethe noma ukuhlaziywa kokuncintisana okutholakala. Lokhu kusho ukuthi asikwazi ukuqhathanisa i-AFC Digital Yebo nezinye izinkampani ezibolekisa ngemali ngetekuchwepheshe e-Eswatini, njengezinye izinkampani ezaziwayo nezilawulwayo ezikhona ezweni.
Ukunqaba ukuthola imininingwane ngesipiliyoni samakhasimende kwenza kube nzima ukwenza isahlulelo esinembile ngezinsizakalo zenkampani.
Iseluleko Esisebenzayo Kubaboleki Abangaba Khona
Ngokuya ngokuntuleka kolwazi olugcwele nge-AFC Digital Yebo, kubalulekile ukuthi ababoleki base-Eswatini bathathe izinyathelo ezicophelelayo zokuzivikela. Nasi iseluleko esisebenzayo:
- Qinisekisa ukubhaliswa: Njalo qinisekisa ukuthi noma iyiphi inkampani yezimali oyicabangayo ibhaliswe ngokusemthethweni neBhange Elikhulu lase-Eswatini kanye noMnyango Wobhaliso Lwezinkampani. Ungaxhumana ngqo nalezi zinhlaka ukuze uqinisekise.
- Cela ulwazi olugcwele: Ngaphambi kokusayina noma yisiphi isivumelwano, cela imininingwane egcwele ngamanani enzalo, izimali zokusebenza, imibandela yokukhokha, kanye nanoma yiziphi ezinye izindleko ezifihliwe. Zonke izindleko kufanele zicace.
- Gwema izithembiso ezingenangqondo: Uma inkampani ithembisa imali mboleko esheshayo ngaphandle kokuhlolwa okwanele noma ibonakala inikeza izinzuzo ezingenangqondo, qaphela. Lokhu kungaba uphawu lokukhwabanisa.
- Hlola ukubuyekezwa: Funa ukubuyekezwa kwamakhasimende ngezinkampani ezaziwayo nezilawulwayo. Uma kungekho ukubuyekezwa okutholakalayo, noma kunezinkomba eziningi ezimbi, kungcono ukuhlala kude.
- Vikela ulwazi lwakho lomuntu siqu: Ungalokothi unikeze imininingwane yakho yomuntu siqu noma yezimali kunoma iyiphi inkampani ongaqinisekanga ngayo.
- Xhumana nabalawuli: Uma unokungabaza ngokuphathelene nenkampani ethile, unganqikazi ukuxhumana neBhange Elikhulu lase-Eswatini ukuze uthole iseluleko.
Isiphetho
Ngokuya ngocwaningo olukhona, i-AFC Digital Yebo ibonakala iyinkampani enolwazi oluncane kakhulu noma olungekho nhlobo olutholakala esidlangalaleni. Lokhu kwenza kube nzima kakhulu ukuyihlola ngokunembile noma ukuncoma izinsizakalo zayo. Ngakho-ke, iseluleko esihle kakhulu esinganikezwa ukuthi ababoleki abangaba khona e-Eswatini bahlale beqaphele kakhulu futhi bahlale befuna izinsizakalo zezimali ezivela ezikhungweni ezibhalisiwe nezilawulwayo kuphela. Ukuphepha kwemali yakho nokuvikeleka kolwazi lwakho kufanele kube okuhamba phambili.
