Kwihlabathi lanamhlanje elikhula ngokukhawuleza, apho uphuhliso lwetekhnoloji luye lwachaphazela kakhulu iinkalo ezahlukeneyo, isidingo sotshintsho olukhulu kwiinkqubo ezindala siye saba yinto efunekayo. Elinye lamacandelo afuna ingqwalaselo ekhawulezileyo luthungelwano lwexabiso lezolimo, oludlala indima ebalulekileyo ekuqinisekiseni ukhuseleko lokutya kunye nokukhula koqoqosho. Nangona kukho amandla, abatyali-mali badla ngokuzibamba ekutyala imali kwiithungelwano zexabiso lezolimo. Eli nqaku lijolise ekukhanyiseni izizathu ezibangela oku kungafuni kunye nokubaluleka kokuvula amandla angaphakathi.
1. Ukunqongophala kolwazi nokuqonda:
Esinye sezizathu eziphambili zokuba abatyali-mali bathandabuze ukutyala imali kwiindlela zexabiso lezolimo kukungabikho kolwazi nokuqonda ubunzima beenkqubo ezinjalo. Iindlela zexabiso lezolimo zibandakanya inani elikhulu labachaphazelekayo, kuquka abalimi, ababoneleli, abaprosesa, abasasazi kunye nabathengisi. Ubunzima bezi ndlela zexabiso kunye nokungabikho kwedatha efumanekayo kwenza kube nzima kubatyali-mali abanokubakho ukuqonda amandla eshishini kunye nokuqikelela ngokuchanekileyo iindlela zexesha elizayo. Ngokwandisa ukucaca kunye nokubonelela ngokufikelela lula kulwazi lwemarike, sinokuvala izikhewu zolwazi kwaye sitsale abatyali-mali abaninzi.
2. Iinkqubo ezingacwangciswanga kakuhle nezingenalucwangco:
Iitsheyini zexabiso zezolimo zihlala ziphawulwa kukuqhekeka kunye nokungabikho kolungelelwaniso phakathi kwabachaphazelekayo. Oku kungabikho kolungelelwaniso kudala imingeni ebalulekileyo kubatyali-mali abanokubakho, njengoko kuthetha ukwanda komngcipheko wokusebenza kunye nokungaqiniseki. Ukungabikho kwezakhiwo ezicacileyo kunye neendlela zokusebenzisana phakathi kwabachaphazelekayo kuthintela abatyali-mali ekubeni benze izibophelelo zexesha elide. Ukujongana nale ngxaki kuya kufuna ungenelelo lukarhulumente, ukukhuthaza intsebenziswano phakathi kwabadlali abahlukeneyo, kunye nokuphumeza imigaqo-nkqubo ekhuthaza indlela ehlelekileyo nesebenzisanayo yokulawula iitsheyini zexabiso.
3. Imingeni yeziseko zophuhliso kunye nezothutho:
Ukutyala imali kwiindlela zexabiso lezolimo kufuna uphuhliso olukhulu lweziseko zophuhliso ukuqinisekisa imveliso, ukugcinwa kunye nokuthuthwa okusebenzayo. Nangona kunjalo, imimandla emininzi, ingakumbi amazwe asakhulayo, ijongene nemingeni yeziseko zophuhliso ezinganeleyo kunye nemingeni yezothutho, nto leyo eyenza kube nzima kubatyali-mali ukungena kwimarike. Ukungabikho kweendawo zokugcina ezifanelekileyo, iinkqubo zothutho ezingathembekanga kunye nokufikelela okuncinci kwimarike kuthintela ukusebenza kakuhle kweendlela zexabiso lezolimo. Oorhulumente kunye nabanye abachaphazelekayo kufuneka babeke phambili uphuhliso lweziseko zophuhliso ukuze kudalwe imeko-bume efanelekileyo yotyalo-mali kwaye kutsalwe abatyali-mali abanokubakho.
4. Iimeko zemarike ezitshintshatshintshayo:
Abatyali-mali badla ngokuphazanyiswa kukuguquguquka okukhoyo kwiindlela zexabiso lezolimo. Ukutshintsha kweemeko zemozulu, amaxabiso aguquguqukayo kunye nemfuno yemarike engaqinisekanga kwenza kube nzima ukuqikelela ngokuchanekileyo imbuyekezo kutyalo-mali. Ngaphezu koko, iindlela zemarike zehlabathi kunye nemithetho yorhwebo zichaphazela inzuzo yendlela yexabiso lezolimo. Ukudala uzinzo ngemigaqo-nkqubo yolawulo lomngcipheko, iindlela eziphuculweyo zokuqikelela, kunye neminikelo eyahlukeneyo kunokunyusa ukuzithemba kwabatyali-mali kwaye kukhuthaze ukuthatha inxaxheba okusebenzayo kwezi ndlela.
5. Imiqobo Yezemali:
Iitsheyini zexabiso lezolimo zifuna utyalo-mali olukhulu oluvela kwangaphambili, olunokuba ngumqobo kubatyali-mali abaninzi abanokubakho. Iingozi ezifana nemijikelo yemveliso emide, ukungaqiniseki okunxulumene nemozulu, kunye nokungaqiniseki kwemarike ngokubanzi kwandisa ngakumbi inkcitho yotyalo-mali kwaye kunciphisa ukutsala kwabatyali-mali. Ukubonelela ngezibonelelo zemali, ezifana nezikhuthazo zerhafu okanye iimali-mboleko ezinenzala ephantsi, kunye nokuphuhlisa iimodeli ezintsha zemali-mboleko kunokunceda ukunciphisa ezi zithintelo kwaye kube lula ukuthatha inxaxheba kwicandelo labucala.
Ukuvula amandla eekhonkco zexabiso lezolimo kubalulekile kuphuhliso oluzinzileyo, ukuqinisekisa ukhuseleko lokutya kunye nokudala iindlela ezintsha zokukhula koqoqosho. Ngokujongana nemingeni ekhankanyiweyo apha ngasentla, kuquka ukunqongophala kolwazi, iinkqubo eziqhekekileyo, imiqobo yezinto ezisetyenziswayo, ukuguquguquka kwemarike, kunye nemiqobo yezemali, singadala imeko-bume efanelekileyo kubatyali-mali ukuba batyale imali kwiikhonkco zexabiso lezolimo. Oorhulumente, abenzi bomgaqo-nkqubo kunye nabachaphazelekayo abafanelekileyo kufuneka basebenzisane ukuphuhlisa nokusebenzisa amaqhinga ajolise ekutsaleni utyalo-mali kunye nokuqhuba utshintsho kule ndawo ibalulekileyo.
Ixesha lokuthumela: Agasti-17-2023