Incwadi Yokubhala
Okuqulathiweyo
Intshayelelo Iphepha 2 Isifundo 1 : Isifundo ngesidima Iphepha 3 Isifundo 2 : Izisekelo zokubhankisha Iphepha 7 Isifundo 3 : Ukulondoloza imali Iphepha 18 Isifundo 4: Amandla etyala Iphepha 25 Isifundo 5 : Ushishino Iphepha 29 Isifundo 6: Utyalo lwemali Iphepha 36 Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 1
Intshayelelo
(Wamkelekile kwikamva lokugcina imali) Injongo yelikamva kukunceda kwindlela zokulawula imali, ukuphila ubomi obundilisekileyo, ekugqibeleni ukwazi ukulawula imeko zakho zemali kwixesha elizayo. Eziziqendu zintandathu zikule ncwadi zizinto ezenzekayo apha ebomini okanye kubomi esibuphilayo. Ezinye zezinto ezenziwayo kweziziqendu zakugqitywa ngexesha loqeqesho, ezo zingagqibekanga zakugqityezelwa ekhaya Molo! Ndingu Sbu! Ndiyazithanda ezizifundo zingogcin’omali.! Nceda yiza! Mna ndinguThandi! Sivuya kakhulu ngale nto yokuba nifunda ngogcin’omali! 2 Banking on Our Future Programme www.bankingonourfuture.org Isifundo Sokuqala : Isifundo ngesidima nokundiliseka
Kwesisifundo uzakufunda ngoku kulandelayo Sibaluleke kangakanani isidima kubomi bakho kunye nakubomi babanye abantu Sazi ngemigaqo yesidima. Ukugqiba ngeyakho imigaqo yesidima, kwaye uzakwenza ntoni ukuza notshintsho. Ingcaciso yamagama
Isidima: Intlonipho. Ukwenza izinto ezibonisa intlonipho yakho kwaye uhlonele uphinde ubonise uthando kwabanye abantu. Intlonipho: Ukubonisa uthando nokuxabiseka kwabantu. Uxanduva: Abantu banesakhono soxanduva xa bethembekile kwaye. Inkululeko: amandla okuthatha isigqibo. Amandla okwazi ukukhetha unganyanzelwanga ziimeko. Ukukhetha: Amandla okwazi ukukhetha. Ukukhetha okuko kusekelezelwe kulwazi, kwanye nokwazi ukuthatha uxanduva nasekuzihlonipheni wena kunye nabanye. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 3
Isidima nentlonipho
Nceda uphendule le mibuzo ilandelayo ngokubhala phantsi: 1. Ucinga ukuba isidima nentloniphoz ithetha ukuthini? 2. Kutheni kubalulekile nje ukuhlonitshwa? 3. Kutheni kubalulekile ukuhlonipha abanye nje? Isidima
Bhala phantsi impendulo zale mibuzo ilandelayo: 1. Yeyiphi imigaqo yesidima ebalulekileyo kuwe? 2. Uzakwenza ntoni namhlanje ezakubonisa ukubaluleka kwamigaqo yesidima? 4 Banking on Our Future Programme www.bankingonourfuture.org Cinga ngesidima somntu namalungelo anawo
Designed by ITEC (Institute of Training and Education for Capacity-­‐building) Kule migca ingezants nceda ubhale into oyicingayo ngalo mfanekiso ungasentla. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 5
Ngubani omthandayo?
Umsebenzi wasekhaya!
1. Cinga ngabantu obathandayo. 2. Cinga ngabo bantu ungabathandiyo. 3. Phendula ngoko luhlobo ulinikwe ngezantsi: Abantu endibathandayo
Abantu endingabathandiyo
Yenza uluhlu lwabo kule ndawo, umzekelo, utata uNelson Mandela Kutheni ubathanda nje aba bantu? Kutheni ubathanda nje aba bantu? Ucinga into yokuba kulungile? Yenza uluhlu lwabo kule ndawo, umzekelo, abantu abaqhuba kakubi Kutheni ungabathandi nje aba bantu? Kutheni ungabathandi nje aba bantu? Ucinga ukuba kulungile? Nceda ubhale phantsi konke okubalulekileyo okufundileyo namhlanje. 6 Banking on Our Future Programme www.bankingonourfuture.org Isifundo sesiBini: Iziseko zokugcina imali
Kwesi isifundo uzakufunda ngoku kulandelayo: Umahluko phakathi kokunqwenelayo nokufunayo Iziseko zemali nokuyigcina Umahluko phakathi kwemali oyamkelayo nemali oyiphiwayo. Kubaluleke ngantoni ukwenza uhlahl’obiwo lwemali? Ungayisebenzisa njani imali yakho xa uthenga? Thandi, wakhe walenza uhlahl’obiwo lwemali ngaphambili? Hayi, Sibu!kodwa ndizakuyifunda apha kwizifundo zeziseko zokugcina imali! Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 7
Ingcaciso yamagama
Ibhanki indawo yokugcina imali ikhuselekile, iselulawulweni olu lulo. Ibhanki iyayikhulisa imali oyigcine kuyo ngokubhatala inzala. Imali etsalwa yibhanki Iibhanki zizenzela imali ngokutsala xa ufaka imali, usenza itshekhi okanye indleko ezibhatalwayo kwizinto ezahlukeneyo ibhanki ezizenzayo. Zikhona nezinye indleko ezifihlakeleyo abantu abazibhatala bengenalwazi lazo. Utshintshiselwano Ukutshintshiselana ngezinto ezibambekayo ezingeyiyo imali. Kulu uhlobo uye umntu anikizele ngombona ngelilixa omnye anikezela ngenkomo. Uhlahl’obiwo lwemali. Izicwangciso zemali engenayo nezakuchithwa. Isisicwangciso sokonga nokuchitha imali. Inkcitho ezimileyo Le yinkcitho ehlala ikhona kwinyanga zonke, umzekelo, imali yendlu oyibhatalayo. Imali eyingeniso Umvuzo okanye imali eyamkelwa ngumntu emva kokusebenza Imali Isixhobo sokuthenga esisetyenziswa ngamazwe Imfuno enyanzelisayo Into ekunyanzelekileyo okokuba ubenayo, awunakukwazi ukuphila ngaphandle kwayo,umzekelo, indlu nezothutho. Istokfele/umgalelo Umbutho apho abantu babetha imali baphinde babolikise ngayo nyanga nenyanga. Amalungu ombutho avumelekile ukuboleka xa efuna okanye akhangele ezinye indlela zokuyonga. Irhafu Imali ebhatalwa kurhulumente ngenxa yenkxaso ayenzayo eluntwini. Le mali ibhatalwa egameni: le nto iveliswayo, lomntu, lwengeniso leshishini, lwesakhiwo, lwezinto ezithengisiweyo okanye kuyo nantoni na engenisa imali. Inkcitho etshintsha tshintshayo Le inkcitho iyohluka nyanga nenyanga, umzekelo, ukuhambela indawo zolwanwabo. Umnqweno le yinto onqwenela ukuba nayo, akunyanzelekanga ukuba ubenayo khona ukuze uphile, umzekelo, imidlalo kamabonakude, umculo wamacwecwe. 8 Banking on Our Future Programme www.bankingonourfuture.org Imfuno ezinyanzelisayo neminqweno Yiba nomfanekis’onqondweni ungenamali kwaye kufuneke ulishiyile ikhaya lakho, uphile ngokuzimela. Kwicala elisekhohlo koluhlobo lokuphendula ulinikwe apha ngezantsi yenza uluhlu lwezinto zonke ezibalulekileyo obunokuhamba nazo. Kolu luhlu lwakho xela ukuba yeyiphi imfuno kwaye iyeyiphi iminqweno. Bhala imfuno okanye iminqweno ngasekunene ngoluhlobo: Uluhlu lwezinto ezibalulekileyo kum
Iimfuno
okanye
iminqweno
umzekelo amanzi Iimfuno Iindidi zeemfuno ezinyanzelekileyo Bonke bantu baneemfuno abazifunayo ukuze bakwazi ukuphila, njengokutya(bakwazi ukuphila), ukhuseleko kwizinto ezinobungozi(iimfuno zokhuselo), sifuna abahlobo nezalamani(imfuno zasekuhlaleni). Kananjalo sinemfuno zokuba sizive sonwabile ngokwasemoyeni. Sebenzisa ezi zihloko uzinikwe apha ngezantsi ukudwelisa iimfuno zakho. Iimfuno
zokuphila
Iimfuno
zokhuseleko
Iimfuno
zokuhlala
Ukugcina umoya
uphezulu
Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 9
Nceda uSbu alungise ingxaki zakhe zemali!
1. Yenza isangqa kuzo zonke iimali ezinikwe uSbu njengesipho. Yimalini le mali yesipho? -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐ 2. Krwela umgca ngaphantsi kwemali uSbu athe wayamkela. Yimalini iyonke imali eyamkelwe nguSbu emsebenzini? -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐ 3. Yimalini imali yezipho zodwa, iyimalini ayamkele ngokuyisebenzela? -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐ 4. Kuthetha ukuthini ukwamkela? -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐ 5.Wakhe wayamkela na imali? Wawenze ntoni uze wamkele le mali? -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐ -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐ 6. USbu ufuna ukuthenga umboniso bhanyabhanya kamabonakude oxabisa iR160.00 idibene nerhaf’untengo. USbu ufuna ukuthatha esinye isixa salemali asise ebhankini. Yimalini ashiyeka nayo uSbu emva kokuthenga imiboniso bhanyabhanya? -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐ 7. Bhala phantsi ezinye iindlela onokuzicinga onokwamkela ngazo imali? -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
USbu unale mali:Isipho esivela kwelinye ilungu lekhaya: Ngokuphumelela ezona mviwo ezakhe zabaluleka. R100. Imali ayifumane ngokuthengisa iziqhamo nemifuno. R15 Imali ayemkele kummelwane nghokwalusa imfuyo yakhe. R10.00 Imali ayifumene ngokuhlamba iimoto. R20.00 Isipho esisuka kumhlobo wake obambe ilotho. R80.00 Imali ayifumene ngokuncedisa ummelwane wakhe ekucoceni naseku ebepeyinteni. R30.00 -­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐
-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐-­‐ 10 Banking on Our Future Programme www.bankingonourfuture.org Funda uphinde wamkele le mibuzo! 1. Yintoni ibhanki? Khumbula ukubonakalisa iimpawu 2. Kuthiwa yintoni Iqumrhu labantu zokuba ngumdlali onguye xa udlala! elidibana inyanga nenyanga longe imali liphinde libolekane? 3. Luthetha ukuthini utshintshiselwano? 4. Ivela phi imali? 5. Ingaba sisipho okanye yimali eyamkelweyo xa umntu ekunika imali? 6. Ubusebenza ezigadini zemizi emine, umzi ngamnye ukubhatele iR25 ngomsebenzi owenzileyo. Ingaba wamkele malini? 7. Imfuyo yakho ingene kwenye yezigadi ubusebenza kuzo, yamosha. Umnini gadi ukubize iR15 kule mali ubuyamkele. Ukuba ubuwamkele iR100, emva kokuba umbhatele umnini gadi uzakushiyeka namalini? 8. Ukubawela ngamandla ukubukela umboniso bhanyabhanya. Ingaba yimfuno le okanye ngumnqweno lo unawo? 9. Umfundi oqala isikolo kufuneka enempahla yesikolo. Ingaba yimfuno le okanye ngumnqweno? 10. Ukuba ungamkela iR350 umhlobo wakho uzakukufakelela kwa imali elingana nale uyamkeleyo ukuze uthenge ibhayisekile. Ingaba yimalini le izakufakelwa ngumhlobo wakho? 11. Ixabiso lebhayisekile yiR1000.00. Yimalini enye ekufuneka uyamkele xa udibanisa iR350 le uyamkelayo nale ubuyifumana kumhlobo wakho ukuze ukwazi ukubhatala ibhayisekile. 12. Ngokunceda abantwana babamelwane kwimisebenzi yesikolo bayakubhatala ngenjongo zokuba ukwazi ukukhupha ibhayisekile yakho. Ukuba ngaba ufuna ifuna iR300 ukuze ukwazi ukuyikhupha ibhayisekile yakho, ingaba zingaphi iiyure ozakuzisebenza ukwenza leR300 ukuba ngeyure nganye unceda abantwana wamkela iR5? 13. Umhlobo wakho ufuna ukuya kwagqirha kuba egula yindlebe. Ingaba yimfuno le okanye ngumnqweno? 14. Uzakusebenzisa ibhayisekile yakho ukuthatha amayeza osapho lwakho eklinikhi qho ngeveki. Ingaba ibhayisekile iyimfuno okanye ingumnqweno? 15. Umhlobo wakho akafuni ukuvula incwadi yokugcina imali ebhankini. Uthi eyakhe imali uzakuyifaka engxoweni ayigcine phantsi kwebhedi. Chaza ukuba kutheni lingalunganga nje elicebo. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 11
Nceda ubhale phantsi:
1. Yintoni uhlahl’obiwo lwemali? 2. Lubaluleke ngantoni uhlahl’obiwo lwemali? Ukwenza uhlahl’obiwo lwemali
Sebenzisa oluxwebhu ukwenza uhlahl’obiwo lwemali. Faka yonke imali engenayo phantsi kwesihloko Engenayo. Uze ufake zonke imali eziphumayo phantsi kwesihloko Inkcitho 12 Banking on Our Future Programme www.bankingonourfuture.org Nanga amanye amaxwebhu ohlahl’biwo lwemali okuziqhelanisa. Ungalenza uhlahlobiwo lwemali. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 13
Ukungaphumi ecaleni kuhlahl’obiwo lwemali
1. Ingeniso: Wamkela malini ngenyanga xa usamkela iR48 000 ngonyaka? Faka impendulo apha ngezantsi. 2. Inkcitho iyonke: Sebenzisa olu luhlu lungezantsi ukufumana incitho iyonke. 3. Imali eshiyekileyo: ushiyeke namalini na emva kokuba uyidibanisile yonke inkcitho yakho? 1.Ingeniso yenyanga
Inkcitho Irenti Ukutya Umbane namanzi Umnxeba Umboniso bhanyabhanya Impahla Ubulungu bomthambo womzimba R1750.00 R650.00 R200.00 R350.00 R50.00 R300.00 R550.00 R175.00 2. Inkcitho iyonke
3. Intsalela
4. Ulondolozo: Yintoni onokuyisusa koluhlahl’obiwo lwemali yakho ukuze ubenemali onokuyilondoloza? 14 Banking on Our Future Programme www.bankingonourfuture.org Imibuzo yeqela lakho
Loluphi uhlobo lokulondoloza imali xa uthenga evenkileni? Loluphi olunye uhlobo onokulondoloza ngayo imali xa uthenga evenkileni? Ingaba isoloko ibubuchule na ukusoloko uthenga eyonanto Ibiza kancinci? Umatshini wamacwecwe omculo wehle nge20% kwixabiso lawo eliqhelekileyo. Ukuba ngaba ixabiso lawo eliqhelekileyo yiR1000.00, uyimalini umatshini ngoku wehlileyo? Ugqiba ukuba mawuthenge icwecwe elitsha nge R122.00 (irhaf’untengo ayikafakwa). Irhaf’untengo yi14%. Lithini ixabiso lwecwecwe xa kudityaniswe nerhaf’untengo? Ufumana isaphulelo seR25.00 Kukutya okuthenga evenkileni xa usebenzisa iqweqwe lokuthenga (coupon). Ukuba ixabiso lokutya yiR147.20, uzakubhatala malini xa ukhuphe isaphulelo esifumaneka ngokusebenzisa iqweqwe lokuthenga (coupon). Ufumana iqweqwe lokuthenga (coupon) elikunika isaphulelo se10% kwivenkile ethengisa impahla zokwakha. Zizakwehla ngamalini impahla ozithenge ngeR145.00? Ixabiso lezimpahla lizakuba yimalini emva kokutsala i10%? Usoloko uthenga incwadi yokufunda evenkileni. Ukuba le ncwadi ixabisa iR18.00 uyithenga amatyeli ayi 11 ngonyaka, izakuxabisa malini? Xa le ncwadi ufuna iziswe kuwe endlini kangangonyaka ixabisa iR133.00. Ungalondoloza malini xa uyiziselwa? Sikunqwenelela impumelelo kule mibuzo ilandelayo!
Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 15
Umsbenzi wasekhaya
Cela amalungu osapho lwakho akuncede kule mibuzo: 1. Umntu uyifumana njani imali yoba akwazi ukuba aphile kakuhle? 2. Ucinga ukuba ufuna malini ukuze uphile ngcono mhla wamdala? 3. Yintoni oyifunde kubazali bakho okanye kumalungu osapho lwakho ngokunxulumene nemali? 4. Ungayenza njani imali? Dwelisa imisebenzi ocinga ukuba unakho ukuyenza. 5. Ufuna malini umntu omtsha ngenyanga xa ezakuzikhupha ngempel’aveki, athenge impahla, alungiselele izinto zesikolo, nezinye nje izinto zakhe kunye namaqebengwana. 6. Ukuba ungumntwana wesikolo okanye umntu omtsha ucinga ukuba ingakanani imali echithwa ngabazali bakho kuwe ngenyanga? Ukuba wena ungumzali ufuna malini ngomntwana wakho ngenyanga? 7. Ucinga ukuba yeyiphi imisebenzi ebhatalayo eMzantsi Afrika? 8. Ithini imfundo okanye izakhona ezifunekayo kule misebenzi? 16 Banking on Our Future Programme www.bankingonourfuture.org Bhala phantsi zonke izinto ozifundileyo ngohlahl’obiwo lwemali.
Ukungaphumi ecaleni kuhlahl’obiwo lwemali olenzileyo kwakunceda ukuba uphile ubomi obunesidima! Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 17
Isifundo sesiThathu: Ulondolozo
Esi sifundo ngolondolozo sakukunceda ukuba wazi: Ngokulondoloza nokugcina imali ebhankini Ngendlela ibhanki esebenza ngayo Ngendlela yokuvula incwadi yasebhankini Ngentlobo ezahlukeneyo zokubhankisha Ngendlela yokusebenzisa umatshini wokukhupha imali (ATM), ukusebenzisa umnxeba (cell phone) okanye ikhomputha ukulawula imali zakho ezisebhankini. Izizathu eziphambili kunye nezinto ekufuneka uzilumkele xa usebenzisa indlela ezahlukeneyo zokulawula imali yakho esebhankini. Ingcaciso yamagama
Umtshini ozisebenzelayo wokukhupha okanye wokufaka imali Lo matshini usebenzisa ikhomputha ukwamkela imali efakwayo nekhutshwayo Imali eshiyekayo Esi sisixa semali esishiyekayo kwimali yakho esebhankini emva kokuba ubukhuphe enye okanye ubuyifakile. Qho ngempela nyanga ibhanki ikuthumelela ingxelo yemali yakho eshiyekileyo. Ukubhankisha nge mfono – mfono Imfono-­‐mfono ephathwayo ineentlobo ezinintsi ezahlukeneyo onokuzisebenzisa xa ubhankisha. Umzekelo, uyakwazi ukukhangela imali onayo ebhankini, ukubhatala amatyala, uphinde uthenge umoya wemfono-­‐
mfono yakho. Ukubhankisha ngekhomputha (Internet banking) Abantu abafikelelayo kobubuchwephesha bayakwazi ukuzenza zonke izinto zabo ngokukhuselekileyo. Ngobu ubuchwephesha uyakwazi ukukhangela imali onayo, ukuthumela imali uphinde ubhatale amatyala akho. Itshekhi/Cheque Eli liphepha yibhanki lilungiselwele ukubhala imali oyinika omnye umntu. Kweli phepha ubhala igama lalo mntu uzakumnika imali okanye indawo eya kuyo, uphinde ubhale imali, umhla onqwenela ibhanki ize iybhatale ngayo kwakunye nesishunqulelo samagama nefani yakho wena mntu ubhala itshekhi/cheque. Xa usebenzisa itshekhi/cheque unemiqathango olindeleke ukuba uyilandele. Le miqathango yenzelwe ukukhusela urhwaphilizo nokuba ingalahleki itshekhi. Current (cheque) account (olunye udidi lwetshekhi) Kolu udidi lokugcina imali uyakwazi ukhupha imali ebhankini iphume iyitshekhi/cheque. Akunyanzelekanga okokuba ubenencwadi yetshekhi/cheque book kuba kaloku uyakwazi ukusebenzisa umatshini, imfono-­‐
mfono ephathwayo okanye ikhomputha xa ufuna ukufaka okanye ukukhupha imali. Isikweliti (Debit) Olu uhlobo luvela kwelicala lase khohlo kwincwadi zakho zokugcina imali – ibonisa inkcitho okanye imali etsaliweyo kweso sixa ubunaso. 18 Banking on Our Future Programme www.bankingonourfuture.org Ikhadi lesikweliti (Debit Card) Eli khadi lisetyenziswa oku kwetshekhi. Imali ithatha ngokutsalwa ebhankini, kutsho kungabikho nzala oyibhatalayo. Intshiyekela (Balance) Le yimali eshiyekelayo ebhankini yakho emva kokuba ukhuphile okanye ufake imali. La ncwadi uyifumana rhoqo ngeempelanyanga imele ukukuxelela ngemali yakho eshiyekileyo ebhankini. Ukubhankisha usebenzisa imfono-­‐mfono Abantu bangazenza intlobo -­‐ ntlobo zokubhankisha besebenzisa imfono-­‐mfono .Ngemfono-­‐mfono uyakwazi ukukhangela ukuba unamalini ebhankini, uthumele imali okanye ubhatale amatyala uphinde uthengele imfono -­‐ mfono yakho umoya. Ukufaka imali ebhankini Xa ufaka imali ebhankini ufuna ibeselugcinweni oluqinisekileyo. Iphepha olifumana ebhankini Xa ufaka imali ebhankini okanye itshekhi kubakho iphepha oligcwalisayo. Inzala okanye amathole Ibhanki ikubiza inzala xa uthe waboleka imali kuyo okanye ikufakele inzala kwimali oyigcinise ebhankini. Incwadi oyifumana ebhankini qho ngenyanga Qho ngenyanga ibhanki ikuthumelela incwadi ekuxelela ngemali engenileyo nephumileyo okanye esetyenzisiweyo. Imali oyikhupha ebhankini engaphezulu kwemali obuyigcinisile Le yimali engaphezulu kwemali oyifakileyo ethi ibhanki ikuvumele ukuba uyikhuphe. Ibhanki ikubiza inzala ngale mali. Inani lesazi sakho (Personal Identification Number/Pin Number) Olu luhlobo oluthile lwesazisi olinikwa yibhanki. Esi sazi usisebenzisa xa uza kukhupha imali ku matshini ucofwayo oseludongeni. Itshekhi ebuyela kuwe Ibhanki iyayibuyisa itshekhi xa uthe watsala imali engaphezulu kwale unayo. Le tshekhi ibuya ibhalwe “mayibuyiselwe kulo mntu obezokukhupha imali.” Ayonto intle ke le engakwehlela! Ukugcina imali Le yimali ethi ishiyeke emva kokuba ubhatele yonke into ubuyifuna. Uyakwazi ukuyithatha uyokugcinisa ebhankini apho izakufika ikuzalele amathole. Incwadi yokugcina imali Kolu uhlobo lokugcina imali ibhanki ikubhatala inzala kwaye uphinde ukwazi ukukhupha imali oyifunayo ngokugcwalisa uxwebhu okanye usebenzise umatshini ocofwayo oseludongeni Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 19
Qiniseka ngokugcina imali ikhuselekile
Loluphi olona hlobo lokugcina imali yakho ikhuselekile? Kutheni kufuneka uyigcinile nje imali? Wena ucinga ukuba loluphi olona hlobo lokugcina imali? Lo ngumzekelo wekhadi lokugcina imali. Ungalisebenzisa elikhadi kumatshini oseludongeni ucofwayo. Khumbula okokuba la nombolo yesazi yimfihlo yakho. 20 Banking on Our Future Programme www.bankingonourfuture.org Ukutsala nokufaka imali ebhankini
Cinga ngeendlela ezahlukeneyo onokuzisebenzisa ngazo iindidi ngeendidi zokusebenzisa imali esebhankini. Bhala okulungileyo nokungalunga kudidi ngalunye ulandela olu hlobo lokuphendula ulunikwe ngezantsi. Uhlobo lokubhankisha
Kulunge ngantoni
Akulunganga ngantoni
Umntu okuncedayo ebhankini Umatshini webhanki ocofwayo oseludongeni. Ukubhankisha ngomnxeba Ezivenkileni Ukubhankisha ngekhomputha Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 21
Umatshini ocofwayo oseludongeni
Umsebenzi wokwenziwa ekhaya
Xa ufuna ukukhupha iR100 ebhankini kukho inkqubo ekufuneka uyilandele. Sebenzisa lamagama angezantsi ukuvala izikhewu. R100.00 Faka imali Iphepha olifumanayo xa Isixa Imiyalelo ubhatele Ikhadi lomatshini ocofwayo Ulwimi Igcinakele kakuhle Iyure zokubhznkisha Imali kwisingxobo Imali yetshekhi eshiyekileyo Igama Incwadi yasebhankini Bala imali yakho Inani elahlukileyo lesazisi yokugcina imali Ikhadi lesikweliti lasebhankini sakho Utshintshiselwano ngemali (Transaction) Ukukhupha imali Iphepha olifumanayo xa ubukhuphe imali 1. Faka i ________________lakho kulo mngxunya ungaphambili 2. Funda ___________________ ebhaliweyo kubuso bomatshini. 3. Khetha u __________________ ofuna ukulisebenzisa. 4. xa uthe wabuzwa faka ________________ ngokucofa amaqhosha kamatshini. 5. Khetha "___________________" kuluhlu oluvele kwisipili somatshini. 6. Cofa ________________ ngokusebenzisa amaqhosha asematshinini. 7. Imali yakho izakuvela. Thatha i _______________uze ulinde i_____________ iyeza nayo. 8. Ngoku 9. Gcina imali yakho 10. Umele ntoni u ‘PIN’ ? ___________________ qinisekisa ukuba yile mali ubuyifuna. . 22 Banking on Our Future Programme www.bankingonourfuture.org Loluphi uhlobo lokugcina imali?
Umsebenzi wokwenziwa ekhaya.
Bonke abantu nokuba iminyaka yabo ithini kuyafuneka bayigcine imali. Qwalasela ezimeko zilandelayo ukuze wandule ukuxela ukuba loluphi uhlobo lokugcina imali olulungileyo. 1.
2.
Umakazi wakho ukupha iR1 000 ngomhla wakho weshumi elinesithathu wokuzalwa kwakho. Umnqweno wakhe ngowokokuba uze uqhubekeke nokufunda emva kokuba uphumelele esikolweni. Iminyaka yakho ilishumi elinesithandathu kwaye unomsebenzi owenzayo ngeempelaveki. Imali oyamkelayo kulomsebenzi uyayigcina ngenjongo zokuthenga isithuthu mhla wafumana amaphepha okuqhuba. 3. Xa izikolo zivaliwe uye usebenze ukuze ukwazi ukubhatala ezinye izinto ongazicwangcisanga ezizakufuneka esikolweni. 4. Usiphumelele isidanga sakho edyunivesithi, wawufumana umsebenzi wephupha lakho, ngoku ukwiphulo lokugcina imali yokuthenga umnyobo wemoto. 5. . Utshatile kwaye unaye nomntwana. Uyayazi ukuba kubalulekile ukuqala ukugcina imali yokufundisa umntwana. Ngoko ke, watsho wabeka imali bucala ukulungiselela umntwana. 6. Wena nomyeni wakho okanye unkosikazi nibeka imali bucala ukulungiselela ikhefu eninqwenela ukuya kulo. 7. Ixesha liyahamba kwaye ikuhleli into yokuba kumele ubeke imali bucala ukulungiselela umhlala phantsi. 8. Ufumene ilifa leR25 000. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 23
Umzekelo wetsheki
Lo ngumboniso wetshekhi. Zama ukuyigcwalisa. Bhala phantsi uxele ukuba yintoni ebalulekileyo kuwe oyifundileyo ngokubhankisha kwakunye nokugcina imali! 24 Banking on Our Future Programme www.bankingonourfuture.org Isifundo 4: Amandla etyala
Esi isifundo sizakunceda ukuba wazi: Yintoni ityala Yintoni imal’inzala? Isebenza njani? Kutheni kulungile okanye kungalunganga ukuthenga ngetyala nje? s Ungenza njani ukuba ungangeni ematyaleni amaninzi? Ingcaciso yamagama Ukuboleka Kwenzeka xa umntu enikwa into ekulindeleke ukuba aphinde ayibhatale.Imali oyiboleke ebhankini uyibuyisa sele inenzala. Ityala (Credit) Le yimali umntu ayinikwa yibhanki ngenjongo zokuba akwazi ukuthenga. Le mali ibuyiswa emva kwexesha elithile enivumelene ngalo nebhanki. Umbutho olawula amatyala (Credit Bureau)
Lo mbutho ugcina zonke inkcukacha zabantu abanamatyala, isenokuba ngamatyala amahle okanye amabi. Ikhadi letyala (Credit card)
Eli khadi ulinikwa yibhanki ukulungiselela ukuba ukwazi ukuthenga ngetyala ngokomlinganiselo owunikiweyo. Ubume ngokwamatyala (Credit rating)
Intembeko eboniswa ngumntu obolekwa imali yokokuba uzakuyibuyisa netyala lakhe lekhadi uzakulibhatala. Amanqaku ngokwamatyala (Credit score) Esi sisishwankathelo samatyala sibonisa ububi okanye ubuhle bomntu ngokwamatyala anawo. La manqaku asetyenziswa ngababolekisi, aye ancede ekuthekeleleni indlela umboleki anokuthi alibhatale ngalo ityalo alenzayoyo. Inkcukacha ngamatyala (Credit information) Apha kuxelwa imbali yakho yamatyala, imbali yakho ngokwasezimalini, izinga lemfundo yakho, imbali yakho ngokwasemsebenzini, kwakunye nenkcukacha eziphangaleleyo ngawe. Ukwenza ubutsotsi usebenzisa ikhomputha (Hacking) Obu buchwephesha bungekho mthethweni benzeka ngokusebenzisa ikhomputha ukufumana inkcukacha zomnye umntu ngaphandle kwemvume okanye ulwazi lwakhe. Ubusela usebenzisa igama lomnye umntu
Ubusela obenzeka xa omnye umntu esebenzisa inkcukacha zakho ukwenza okungekho semthethweni. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 25
Imal’inzala okanye amathole
Le yimali othi uyibhatale ibhanki xa ububoleke imali. Ngelinye ixesha iba yimali ebhatalwa yibhanki kubantu abagcina imali kuyo. Izinga lokuzala kwemali Le yimali ekalelwa ngokwekhulu (%) ebhatalwa ngonyaka kwimali oyibolekiyo. Ukuboleka Le yimali oyinika umntu ukuba makayisebenzise aze ayibuyise sele inamathole emva kwexesha elithile. Imali ebolekisayo
Le yimali ethathwa ngumntu xa efuna ukuthenga. Uyibuyisa le mali sele inochatha emva kweloxesha nivumelene ngalo. Ukusetyenziswa kwekhomputha ngendlela engekhosemthethweni. Ukusetyenziswa kwekhomputha gwenxa apho umbhali akuthumelela imbalelwano ngekhomputha efuna inkcukacha kunye nobume bezemali bakho. Xa uyijongile lembalelwano ikhangeleka isemthethweni. Ucinga ukuba yintoni ityala? Zeizphi iindlela ozicingayo zokuthenga ngetyala? Indlela yokubala imal’inzala/amathole. Uthenga into ngeR80. Imal’inzala yi14%. Yimalini imal’inzala? Uthenga impahla ngeR345.00 Imal’inzala yi21%. Uzakubhatala malini ngale mpahla yakho? Uthenga impahla ngeR5,600.00 Imal’inzala yi 21%. Uzakubhatala malini ngale mpahla yakho? 26 Banking on Our Future Programme www.bankingonourfuture.org Xela izinto zibentathu ekufuneka uzikhumbule xa ufuna ukuchitha imali ngesidima. 1. 2. 3. Ndinike ngetyala !
1. Ingaba ezizivakalisi zilandelayo zinyanisile okanye ziyaxoka? Xa sinyanisile bhala u-­‐T kanti xa singeyonyani bhala u-­‐F. Isivakalisi T or F? Kubalulekile ukubhatala amatyala akho ngexesha. Ukuba uthatha ixesha elide ukubhatala amatyala akho ngezavenge uphela ubhatala imali engaphezu kwale ubuzakuyibhatala. Kufuneka uthenge yonke into ngetyala. Ivenkile inokuzithatha impahla zakho ukuba akulibhatali kakuhle ityala lakho, ekugqibeleni ulahlekelwe yimali yakho kwanempahla ezo. Akufuneki ukuzihlupha ngemal’inzala ozakuyibhatala kuba kaloku okubalulekileyo kukufumana le nto uyifunayo! Bavumelekile oomatshonisa ukuthatha isazi sakho, ikhadi lakho lokukhupha imali ematshinini, ukufumana amanani akho la ukhupha ngawo imali. Isisidima into yokulawula nokucwangcisa indlela oyisebenzisa ngayo imali yakho. Phendula le mibuzo ilandelayo: Umama kaThandi ucinga ngokuthenga isofa ngekhadi letyala. Uzakuthatha unyaka ukubhatala ezisofa. Ukuba isofa zibiza iR2 500.00 ezala i17%, xa udibanisa nemal’inzala, isofa zizakubiza malini kwelikhadi letyala? Bhala impendulo yakho apha ngezantsi: Utata kaSbu ucinga ngokuthenga ikhomputha ephathwayo(lap top) ngetyala. Uzakuyigqiba ukuyibhatala emva konyaka. Ixabiso layo yiR7,500.00. Imal’inzala yi15%. Izakumbiza malini uSbu le khomputha xa eyigqibe ukuyibhatala emva konyaka? Nceda ubhale impendulo yakho apha ngezantsi. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 27
Ungayithenga into ngetyala ukuba xa uyibhatala uzakubhatala imali enintsi kunale iyiyo? Bhala Ewe okanye Hayi apha ngezantsi: Nika izizathu zokuba uthi Ewe okanye Hayi: Ubuchule bokusebenzisa ikhadi letyala
Yeyiphi imithetho enokunceda onokuzenzela yona ukuze ukwazi ukusebenzisa ikhadi letyala ngobulumko? Bhala impendulo zakho phantsi. Uze uncede uzikhumbule ubomi bakho bonke! Lo umsebenzi ulandelayo ungenziwa ekhaya
Ukusebenzisa ikhadi letyala ikwaluhlobo lokuthenga ngetyala. Kutheni kulungile okanye kungalunganga ukuthenga ngelikhadi nje? Kutheni kulungile nje ukusebenzisa
ikhadi letyala?
Kutheni kungalunganga nje
ukusebenzisa ikhadi letyala?
Ungenza njani ukuba incwadi zakho zamatyala zibentle? 28 Banking on Our Future Programme www.bankingonourfuture.org Isifundo sesiHlanu: Ushishino
Esi sifundo ngoshishino sizakunceda koku kulandelayo: Ukwazi ngoshishino kwanokwazi ngohlobo lwabantu olunokuba ngosomashishini. Wazi ukuba kutheni bebalulekile nje apha emZantsi Afrika nasekuhlaleni. Wazi umahluko phakathi “kwempahla onokuzikhomba” xa uzithengile “nenkonzo.” Wazi ngedlela yokucinga yokuqala elakho ishishini Indlela yokukhangela ukuba lembono yakho yokuqala ishishini izakuphumelela na okanye ayizukuphumelela ngokuthi ujonge ezi zinto zilandelayo: Amandla onawo, ungabetheka phi; amathuba onokuwasebenzisa; izinto ezisenokuba zizirhorhisi kwezimbono zakho. Yimalini oyifunayo ukwenza elishishini kwaye wena uzakufumana malini. Wazi ngokuthengisa nokwenza abantu balazi ishishini lakho. Ingcaciso yamagama Inkcitho iyalingana nengeniso: Imali engena eshishinini ilingana nemali ishishini eliyichithayo. Izicwangciso zeshishini: Ezi zizicwangciso ezenziwa ngusomashishini xa ezakuqala ishishini. Impahla: Utshintshisa ngempahla ufumane imali. Usomashishsini: Lo ngumntu okulungeleyo nokwaziyo ukuqokelela aphinde athathe amathuba okuvula ishishini. Lo mntu uye abone imfuneko, enze isicwangciso azakusisebenzisa ukufikelela kula mfuno. Isicwangciso sokuthengisa nokwazisa ishishini lakho: Esi sicwangciso sibonisa indlela ishishini elizakuyazisa ngayo le nto liyithengisayo kwababantu balindeleke ukuba bathenge kulo. Intshiyekela kwimali engeniswe lishishini: Esi sisixa semali esishiyekayo kwimali ebifumanekile xa bekuthengiswa emva kokuba kabhatelwe zonke inkcitho zeshishini. Into eyenzelwa umntu: Isenzo esenzelwa umntu ozakukhupha imali. Imali yokuqala ishishini: Imali efunekayo xa uzakuqala ishishini. Ukujonga amandla onawo, indawo obetheka kuzo, ngawaphi amathuba onawo kwakunye nezinto ezingazizirhorhisi: (SWOT Analysis) Ukusebenzisa zonke ezi zinto zikhankanywe apha ngasentla uyancedakala ekufikeleleni kwisigqibo sokuba le mbono yakho izakuphumelela okanye ifuna ukulungiswa apha naphaya okanye uyiyeke xa kucaca ukuba ayizukulunga. Abona bantu bazakusebenzisa lento uyithengisayo: Abathengi bayayifuna le nto ithengiswayo kwaye bayafikelela ekuyibhataleni. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 29
Unaso isakhono sokuba ngusomashishini ?
Phendula le mibuzo ilandelayo ukuzikhangela isakhono sakho sokuba ngusomashishini. Ukuba akuqinisekanga ngamandla onawo okanye ubuxhoba bakho, nceda ucele ilungu losapho lwakho likuncede. Angakanani amandla akho? 1. 2. 3. 4. 5. Ucinga ukuba ubuxhoba bakho buphi? 1. 2. 3. 4. 5. Ungenza ntoni ukunciphisa obu buxhoba? Yenza uluhlu lwezinto onomdla wazo. Nika izakhono ezintlanu ezibalulekileyo onokuzisebenzisa xa uzakuqala ishishini. 1. 2. 3. 4. 5. Ungenza njani kwindawo ohlala kuyo ukukhangela ithuba le shishini ukuzalisekisa iimfuno zabahlali? Nika inkcukacha kangako unakho. 30 Banking on Our Future Programme www.bankingonourfuture.org Banjani oosomashishini?
Ucinga ukuba kutheni bebalulekile nje osomashishini apha emZantsi Afrika? Ungamchaza usomashishini uthi ngumntu onjani? Ubuncinane nika amagama abemathandathu! Cinga ngosomashishini oku lendawo uhlala kuyo okanye ilungu losapho lwakho elingusomashishini. Mbuze le mibuzo ilandelayo wandule ukugcwalisa izikhewu: 1. Yintoni eyabangela ukuba uqale ishishini? 2. Zingxaki zini owadibana nazo xa uqala eli shishini? 3. Waqabela njani ngapha kwazo ezo ngxaki? 4. Zeziphi izakhono ekwakufuneka uzifundile phambi kokuba uqale eli shishini? 5. Ungamcebisa uthini omnye umntu ofuna ukuqala ishishini? Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 31
Imbono yakho yokuqala ishishini
Zithini iimbono zakho ngokuqala ishishini? Cinga zibenintsi iimbono kangako unakho wandule ukuzibhala phantsi! Khetha eyona mbono iphuma phambili. Lo mbuzo ungezantsi apha uzakukunceda ekuqwalaseleni kwishishini lakho! Imbono yakho yeshishini
Ithini injongo
yeshishini lakho?
Uzakuthengisa ntoni?
Uzakuthengiselwa
ngubani?
Uzakubazisa njani
abantu ngelishishini
lakho?
Ngubani omnye
oshishina ngale nto
ushishina ngayo?
Ucinga ukuba
uzakwenza malini
ngenyanga?
32 Banking on Our Future Programme www.bankingonourfuture.org Ukujonga amandla onawo, iindawo onokubetheka kuzo, amathuba onawo, kwakunye nezirhorhisi ezinokuba khona. Yenza uluhlu lwezinto ezibangela ukuba imbono yakho ibenamandla okanye ibelixhoba. Gcwalisa ezizikhewu zilandelayo ngempendulo zakho. Phinda kwakhona wenze uluhlu lwezinto ezingangamathuba okuphumelela kweshishini lakho kwakunye nezirhorhiso Amandla alo mbono wakho Izinto ezinokwenza lo mbono ungabinamandla. Amathuba okuphumelela kombono wakho izirhorhiso Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 33
Indlela yokuqwalasela imali ezingenayo neziphumayo
Sebenzisa le ndlela yokuphendula uyinikwe apha ngezantsi ukubala imali eyinzuzo okanye eyilahleko kwishishini lakho: Indlela imali esetyenziswa ngayo ngenyanga Inkcukacha Isixa semali Imali ubunayo phambi kokuba uqale ishishini Imali oyibolekileyo yokuqala ishishini Imali oyifumene ngokuthengisa (ixabiso lalonto ubuyithengisa uyiphinda phinde ngeyure ozisebenzileyo) Imali iyonke oyifumene ngokuthengisa (dibanisa zonke ezimali zingasentla) Imali ebhatalweyo ngezinto ezisetyenzisiweyo (umzekelo itaxi kunye nemfonomfono) Imali ebhatalwe abasebenzi Imali ebhatalelwe ukuthengisa ishishini Ukubhatalwa kwe 12,5% yemali ebibolekiwe. Imali iyonke ebhatalweyo (izixhobo zokusebenza + imali ebhatalwe basebenzi + imali yokuthengisa ishishini + nokubhatala imali ebibolekiwe) IMALI ESHIYEKILEYO EYINGENISO (Imali efumaneke ekuthengiseni – yonke imali ethe yabhatalwa) Thengisa ishishini lakho! (Marketing your business)
Le mibuzo ingezantsi izakukukhokela ekuthengiseni ishishini lakho kubathengi bakho. UZAKW ENZA ntoni ukuthengisa ishishini lakho? UZAKUZITHENGISA phi ezi zinto uzakuzithengisa? YIM ALINI ozakuyibhatala ngokwenza abantu bazibanzi ngeshishini lakho? UZAKUZITHENGISA NINI
ebantwini ezi zinto uzithengisayo? UZAKUTHENGISELA bani? YINTONI le ikwenza wahluke kwabanye abakwathengisa le nto uyithengisayo? KUTHENI ucinga ukuba ukwazisa ishishini lakho kubalulekile nje? 34 Banking on Our Future Programme www.bankingonourfuture.org Uphambaniso lwamagama!
Sebenzisa lenkcaza uyinikiweyo ukuphendula olu phambaniso magama. XA UTHAMBEKA (ACROSS) 1.
2.
3.
4.
Xa uthenga impahla ngemali, sithi uya.......... Ishishini alilahlekelwa okanye lenze inzuzo xa inkcitho ne ngeniso-­‐ zi.......... Umntu oqala ishishini sithi ngu.......... Imali eshiyekayo emva kokuba ubhatele onke amatyala eshishini lakho, yi..... XA USEHLA (DOWN) 1.
2.
3.
4.
Sithi yintoni indlela oyisebenzisayo ukwazisa abantu ngeshishini lakho, kuku...... Abantu ojonge ukubathengisela............... Umsebenzi owenzela omnye umntu ukuze yena akunike imali, yi...... Ukuqonda ukuba lizakuphumelela okanye alizukuphumelela na ishishini lakho .................. Bhala ezona zinto zibalulekileyo othe wazifunda ngokuba ngusomashishini.
Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 35
Isifundo sesithandathu: Ugcinomali
Esi sifundo sizakunceda kwezi zinto zilandelayo Ukwazi ukuba yintoni ugcin’omali Ukwazi ngentlobo ezikhoyo ezahlukeneyo zokugcina imali Ukwazi ukwenza izigqibo ezizizo zokugcina imali. Ingcaciso yamagama
Inzuzo oyifumana kwizinto ozisebenzisileyo eshishinini.
Xa ixabiso lempahla zeshishini lakho lisenyuka ufumana imali enintsi.
Ukwenza ulondolozo lwemali ngetyala ( Debt investment) Le indlela yokulondoloza imali ithetha ukuba umntu omboleke imali uzakuyibuyisa inenzala. Isahlulo okanye umgqebho Le yimali amalungu eshishini athi ahlulelane ngayo. Isixa abasohlulayo sixhomekeka kwimali abayenzileyo ngeloxesha bagqebha ngalo okanye bahlulelana ngalo. Inzuzo oyifumana kwimali obubolekise ngayo ( Equity investment) Le yimali oyigqebhayo kwinzuzo eyenziwe ngulomntu ubumboleke imali ukuba athengise. Imali efakwa ebhankini ixesha elide Le yimali oyifaka ebhankini ixesha elide ukusukela kwintsuku eziyi 14 ukuya kwiminyaka eminintsi. Ibhanki ikubhatala inzala ngale mali.
Imali oyiboleka urhulumente (Government bond) Le yimali umntu ayiboleka urhulumente aze yena urhulumente njengomsebenzisi wale mali abane embhatala amathole ngamaxesha athile kude kufike ixesha apho azakubuyisa ngalo inkunzi. Apha eMzantsi Afrika ungathenga iRepublic of South Africa Retail Savings Bonds. Indlela yokukhulisa imali yakho. (Investing) Isahlulo (Shares)
Le yimali efunywana ngumntu xa ebethenge isahlulo kwelinye ishishini. Umnini sahlulo Lo ngumntu onesahlulo eshishinini. Ubungakanani besahlulo Stock Inani lezahlulo umnini sahlulo anazo kwelo shishini. Ixabiso lelinani lisenokwehla okanye linyuke. Xa lithe lehla umnini sahlulo uyalahlekelwa kanti ukuba lenyukile uyazuza ngokwasezimalini. Utshintshiselwano ngobungakanani bezahlulo Le yindawo apho kuthengiselana khona ngezahlulo nezinye iintlobo zemali. Oluthengiselwano ngezahlulo eMzantsi Afrika lwenzeka eRhawutini kwi Johannesburg Stock Exchange. 36 Banking on Our Future Programme www.bankingonourfuture.org Yintoni ugcin’omali?
Yintoni ugcin’omali? Thelekisa la magama!
Thelekisa ubume bogcin’omali nenkcaza ephangaleleyo ehambelana nayo! Krwela umgca phakathi bobume bogcin’omali nalo nkcaza ihambelana nayo ukubonakalisa uqhakamshelwano. Ubume bogcin’omali
Inkcaza ephangaleleyo
1. Inzuzo yemali oyifumana Imali oyifumana ngokubolekisa okanye obhatala amathole ngayo xa ngokubolekisa... ubuyibolekile. 2. Intlobo zokugcina imali ngetyala ... Noxa inguchiki kakhulu nje kodwa inenzuzo enkulu. 3.Amathole yi ... Indawo apho abantu bathenga baphinde bathengise izahlulo. 4. IJohannesburg Stock Ayingochiki kakhulu kodwa inzuzo ikwiqondo oluphantsi. Exchange yi ... 5. Ixabiso lezahlulo linga... Thengisa izahlulo ngexabiso elingaphantsi kweli ubuzithenge ngalo. 6. Ungazakhela ubutyebi bakho xa ... Uthenge izahlulo ngexabiso eliphantsi uze uzithengise ngexabiso eliphezulu. 7. Ungalahlekelwa yimali yakho kula ndawo yokuthenga Iposi, ivenkile zakwa Pick ‘n Pay kunye nesebe lezemali. nokuthengisa izahlulo. ... 8. Ungazithenga iRSA Retail Bonds ... Nyuka okanye wehle ngokuhamba kwexesha. Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 37
Imfundo ngendawo yokuthenga izahlulo okanye
ukuzithengisa!
Krwelela impendulo eyiyo kwezi uzinikwe apha ngezantsi!
1. Ukuba ngaba uthenga isahlulo xa zibiza ixabiso eliphantsi ubhatala iR25.00. Xa uzithengisa sibiza iR130.00. Ingaba uzakungenelwa kangakanani? a. R105.00 b. R95.00 c. R5.00 d. R32.00 2. Ukuba ngaba uthenge izahlulo eziyi-­‐10 ngeR25 sisinye, ingaba ubhatale malini ngezizahlulo zakho zilishumi? a. R200.00 b. R250.00 c. R25.00 d. R2,500.00 3. Ukuba kwisahlulo ngasinye ufumene iR105.00, ithini inzuzo yakho kwizahlulo ezilishumi? a. R205.00 b. R105.00 c. R1,050.00 d. R2,500.00 38 Banking on Our Future Programme www.bankingonourfuture.org Yiba nobulumko xa ugcina imali
Utat’omkhulu ka Sibu umphe i R10 000.00 ukuba ayilondoloze
ukulungiselela mhla waphumelela esikolweni emva kweminyaka emihlanu
esiya edyunivesithi. Ixhomekeke kuSbu ukulondoloza le ngobulumko
khona ukuze abenemali eyaneleyo yokubhatala imali zasedyunivesithi!
uSbu uyayazi into yokuba zinintsi iindlela zokulondoloza imali, kuzo
singakhankanya imali esisigxina oyifak’ithuba elide ebhankini, nale ugcina
kuyo imali onakho ukuyifumana xa uyifuna (savings accounts), i unit trusts,
imali ebolekwe urhulumente ngabantu (Government bonds),
nobungakanani kwemali yezahlulo (Equity investments).
Ukubonkalisa utat’omkhulu wakhe ukuba uyakwazi ukulondoloza imali
ngobuchule uSbu kufuneka eze neyona ndlela ikhuselekileyo kwaye
enenzuzo yokulondoloza imali yakhe.
Ungamcebisa uthini uSbu malunga nokulonoloza imali yakhe?
Ungakhetha ibenye okanye indibanisela yeendlela
zokulondoloza,umzekelo, le yokugcina imali onakho ukuyifumana xa
uyifuna (Savings account), imali oyifaka ebhankini ithutyana elidana,
ubungakanani bezahlulo, imali ebolekwa urhulumente .
Nika izizathu ezibangela ukuba uthi kuSbu makalondoloze imali ngoluhlobo umcebise ngalo. Bhala phantsi ezona zinto ozifundileyo ngokulondoloza imali! Sibamba ngazo zozibini ngokuba ubengulo mfundi omhle kangaka! Sibenochulumanco ukuba nawe. Siyathemba kananjalo okokuba olu lwazi ulufumeneyo kwa-­‐ Banking on Our Future luzakukunceda ekulawuleni imali yakho kakuhle nangobulumko! Banking on Our Future Programme: Activity Book www.bankingonourfuture.org 39
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Incwadi Yokubhala - Banking on Our Future