U-R100 Ofihliwe: Kungani Isibonelelo Sakho Se-SASSA Sincipha Ngo-2025 (Nokuthi Ngubani Osithathayo)

Ukuhlola okujulile mayelana nokudonswa kwemali okufihliwe okudla izibonelelo ze-SASSA ngo-2025. Siveza abenza lokhu, kusukela kumakhava omngcwabo abahlukumezayo kuya kuma-debit order angaqondakali, futhi sinikeza uhlelo olucacile, olungasebenza lokuthi abahlomuli balwe, bavimbe ukudonswa okungekho emthethweni, futhi bavikele imali yabo.

Isingeniso: Imfihlakalo Ka-R100 Eshabalalayo Ehlupha u-2025

Indaba esiyizwa njalo ngenyanga emiphakathini yonkana eNingizimu Afrika. Isaziso sokukhokha kwe-SASSA siyeza, okungumzuzu wokukhululeka okuncane. Kodwa uma uhlola ibhalansi, inhliziyo yakho iyashona. Inani lemali lingaphansi kwalokho obukulindele. U-R50 ushabalele. Ngezinye izikhathi kuba u-R100, noma ngaphezulu. Asikho isigijimi, akukho sixwayiso, kukhona nje umgodi lapho imali yakho bekufanele ibe khona. Lokhu akulona iphutha elincane lasebhange; kwabaningi, kuwukweba okwenzeka njalo ngenyanga. Ngo-2025, le nkinga isiqine kakhulu, inkinga ethule edla kancane kancane impilo yezimali yezigidi zabantu. Lesi sihloko akusona esinye isihloko sezindaba. Kuwukuhlola ukuthi ngubani othatha imali yakho, ukuthi bakwenza kanjani lokhu, futhi okubaluleke kakhulu, ukuthi ungakuqeda kanjani lokho.

Izicupho ‘Ezingokomthetho’ Uma Kuqhathaniswa Nokukhwabanisa Okugcwele: Indlela Isibonelelo Sakho Esidliwa Ngayo

Ukuqonda isitha kuyisinyathelo sokuqala. Ukudonswa kwemali kuhlukaniswa ngezigaba ezimbili: izivumelwano ezinomthamo kodwa ’ezingokomthetho’, nokukhwabanisa okungekho emthethweni. Izicupho ’ezingokomthetho’ yizona eziba zimbi kakhulu. Zenzeka lapho umhlomuli, mhlawumbe engaqondi ngokugcwele isivumelwano, evumelana ne-debit order. Lokhu kungaba umthengisi osheshayo ethengisa ikhava yomngcwabo endaweni yamatekisi, noma ifomu eliku-inthanethi elididayo lokukhokhelwa kuqala kwe-airtime. Nakuba kuvunyelwe ngokobuchwepheshe, imigomo ivame ukuxhaphaza. Ukudonswa kwemali okungekho emthethweni, ngakolunye uhlangothi, ama-debit order akhwabanisayo avela ezinkampanini ongazange uzwe ngazo, ngezinsizakalo ongazange uzifune. Ngo-2025, amaqembu ahlakaniphile asebenzisa idatha evuzayo ukuze adonse le mali engagunyaziwe, enethemba lokuthi ngeke uyibone i-R49 encane idonswa. Zombili izinhlobo zibuhlungu, futhi zombili zingalwelwa.

Ososolwa #1: Imboni Yokukhosela Emngcwabeni Enolaka

Ikhava yomngcwabo iyisidingo kwabaningi, kodwa isibe yindlela eyinhloko yokuxhaphaza abahlomuli be-SASSA. Ama-Agent, ngaphansi kwengcindezi enkulu yokwenza ukuthengisa, avame ukuqondisa abahlomuli ngosuku lokukhokha. Basebenzisa amaqhinga okucindezela kakhulu futhi banciphise izindleko zanyanga zonke. Imali ekhokhwayo engu-R90 ngenyanga ingase ibonakale incane, kodwa ingaphezu kuka-25% wesibonelelo se-SRD esingu-R350. Abahlomuli bavame ukubhaliselwa izinqubomgomo eziningi abangakwazi ukuzikhokhela noma abangakhumbuli nokuthi bazigunyazile. UMgcinimafa Kazwelonke wake wakubeka lokhu njengenkinga enkulu, kodwa lo mkhuba uyaqhubeka. Ukuhlaziywa kwethu kukhombisa ukuthi eziningi zalezi zinqubomgomo zinikeza inani eliphansi, ngemali ekhokhwayo ephezulu kanye nemithetho eqinile eyenza kube nzima ukufuna. Kuyimodeli yebhizinisi ezuzisa ngqo ekukhubazekeni kwabahlomuli. Ukuze uthole uhlelo lwakamuva lokukhokha, hlola njalo kumawebhusayithi asesemthethweni.

Ososolwa #2: Imali Mboleko Ehlukumezayo kanye Nezinhlelo Ze-‘Easy Credit’

Isithembiso ‘semali esheshayo’ siyisicupho esinamandla lapho imali yesibonelelo iphela. Ababolekisi abangabhalisiwe, noma ‘omashonisa’, ngisho nabanye ababolekisi abancane ababhalisiwe, basungula isitolo eduze kwezindawo zokukhokha. Banikeza imali mboleko encane ngamazinga enzalo aphakeme kakhulu, ngokuvamile babambe ikhadi le-SASSA lomhlomuli kanye ne-PIN njengesibambiso ngaphandle kwemvume. Lokhu kudala umjikelezo omubi wezikweletu. Isibonelelo senyanga elandelayo siyeza, futhi obolekisayo uhoxisa ngokushesha ukukhokha kwakhe okukhulu, eshiya umhlomuli enemali encane nakakhulu futhi emphoqa ukuba athole enye imali mboleko. Lokhu kuwubugqila besikweletu, futhi kuyisizathu esiyinhloko esenza imali yesibonelelo ibonakale ‘ishabalala’ ngaphambi kokuba isetshenziswe.

Ososolwa #3: Ama-Debit Order Aphindaphindwayo Athule

Ukudonswa kwemali okunzima kakhulu ukukulandelela kuvame ukuba okuncane kakhulu. Inkokhelo ka-R15 ‘yezinsizakalo zokuqukethwe’, imali yokukhokhelwa kuqala ye-airtime engu-R29, inkokhelo kagesi engu-R35 ongayikhumbuli ukuthi uyigunyazile. Lezi zimali ezincane zenzelwe ukuba zindize ngaphansi kwe-radar. Zivame ukuqalwa ngamamenyu e-USSD ayinkimbinkimbi noma njengemibandela efihliwe yokungenela umncintiswano. Ngayinye, zibonakala zingabalulekile. Kodwa uma zihlanganiswa, zingaba ngaphezu kuka-R100 ngenyanga, zidonsa isibonelelo ngaphandle kokuba umhlomuli enze ukuthenga okukodwa okukhulu. Lezi ‘zinhlobo ze-digital parasite’ ziyinkinga ekhulayo ngo-2025.

Indima Yasebhange: Umvikeli noma Umzuzi?

Amabhange amela kuphi kukho konke lokhu? Nakuba kungewona amaqala ukudonswa kwemali, izinhlelo zawo ziyakwenza lokhu kwenzeke. Abahlomuli babika ukuthi bazizwa bengenamandla lapho besondela ebhange labo, bevame ukutshelwa ukuthi ‘indaba yomphakathi’ phakathi kwabo nenkampani. Kodwa-ke, amabhange anesibopho sokuvikela amakhasimende awo. I-Payments Association of South Africa (PASA) inemithetho yama-debit order, kodwa ukuphoqelela kungaba buthakathaka. Ngaphezu kwalokho, izinkokhelo zasebhange ngokwazo zingaba yinkinga. Nakuba amanye amabhange njenge-TymeBank ne-Capitec enikeza ama-akhawunti abiza kancane, amanye asenazo izindleko zanyanga zonke, izindleko zokukhipha imali, nezindleko zesitatimende ezihlanganisayo. Inkokhelo ka-R6 yokukhipha u-R100 iyinkokhelo engu-6%—isilinganiso esingakaze sizwakale kunoma yisiphi esinye isimo. Kubalulekile ukuqhathanisa ama-akhawunti nokufuna ukucaca ebhange lakho.

Uhlelo Lwakho Lokuvikela Lwezi-2025: Ungalwa Kanjani Futhi Uvimbe Ukudonswa Kwemali

Ulwazi lungamandla. Sekuyisikhathi sokuyeka ukuba isisulu futhi ulawule isibonelelo sakho. Landela lezi zinyathelo ngokucophelela: 1. Thola Isitatimende Sasebhange: Yenza lokhu njalo ngenyanga. Ungathembeli kusitatimende esincane se-ATM. Thola isitatimende esigcwele sezinsuku ezingu-30 egatsheni lasebhange noma nge-app yabo. Lobu ubufakazi bakho. 2. Hlola Yonke I-Line: Thatha ipeni bese uyihamba ngayo. Gqamisa konke ukudonswa kwemali. Uma ungawuboni igama lenkampani, noma inani, yizungeleze. 3. Vakashela Ibhange Lakho Ngokushesha: Thatha isitatimende sakho kanye ne-ID yakho uye egatsheni lasebhange. Cela ukukhuluma nomeluleki mayelana nokuphikisa i-debit order. Sebenzisa ibinzana elithi ‘i-debit order engagunyaziwe’. 4. Gcwalisa Ifomu Lokuphikisana: Ibhange liyaphoqelelwa ngokomthetho ukuba likunikeze ifomu lokuphikisana. Ligcwalise kukho konke ukudonswa kwemali ongakugunyazi. Lokhu kuzoqala inqubo ebizwa ngokuthi ‘i-chargeback’. 5. Beka ‘Stop Payment’: Ukuze uqede ukudonswa kwemali okuphindaphindwayo, ungafaka isiyalezo ‘sokumisa ukukhokha’ ebhange. Kungase kube nenkokhiso encane, kodwa kubiza kancane kunokulahlekelwa yimali njalo ngenyanga. 6. Bika Inkampani: Bika inkampani ekhwabanisayo ku-hotline yokukhwabanisa ye-SASSA (0800 60 10 11) kanye ne-Financial Sector Conduct Authority (FSCA).

Ukukhetha Imikhiqizo Yezimali Ephephile: Umhlahlandlela Womhlomuli Ohlakaniphile

Ukuvikela isibonelelo sakho kusho futhi ukwenza izinqumo ezihlakaniphile. Akuyona yonke imikhiqizo yezimali emibi, kodwa kufanele uqonde. * Amabhange: Bheka ama-akhawunti anezinkokhelo zanyanga zonke eziyizinguqu, ukuswayipha kwekhadi kwamahhala, kanye nenani elilinganiselwe lokukhipha imali mahhala. Qhathanisa izinketho ezivela ku-TymeBank, Capitec, nase-Bank Zero. * Ikhava Yomngcwabo: Uma uyidinga, gwema ukuthenga kubathengisi basemgwaqweni. Hamba uye kumhlinzeki ohlonishwayo njengomshwalense omkhulu noma ibhange lakho. Cela inqubomgomo engabizi ngaphezu kuka-5-10% wenani lesibonelelo sakho. Funda imigomo futhi ucele ikhophi ephelele yesivumelwano. * Ukulondoloza: Ngisho nokulondoloza u-R20 ngenyanga kuyisinyathelo esinamandla. Sebenzisa iphakethe lokulondoloza lasebhange lakho noma i-stokvel ukuze wakhe isikhwama esincane sezimo eziphuthumayo. Lokhu kungakusiza ukuba ugweme ababolekisi abahlukumezayo lapho kuvela izindleko ezingalindelekile.

Isithombe Esikhulu: Ingabe iNingizimu Afrika Ibhekene Nenkinga Yokungazi Ngezimali?

Lokhu kungukuhlaziywa kwami njengentatheli ebika ngale ndaba iminyaka: Nakuba ukuvimba ukudonswa kwemali okungekho emthethweni kuyisisombululo esibalulekile sesikhashana, kufana nokufaka izimbobo emkhunjini oshonayo. Inkinga yesikhathi eside iyinkinga yokwazi ngezimali. Uhlelo luyinkimbinkimbi, futhi abahlomuli besibonelelo baphonswa ejikeni elijulile ngaphandle kwamathuluzi okuhamba kulo. Uhulumeni kanye nomphakathi kumele bafake phambili imikhankaso yemfundo yezimali. Abantu badinga ukuqonda ukuthi i-debit order iyini, ukuthi bafunda kanjani isivumelwano, nokuthi amalungelo abo njengabathengi ayini. Kuze kube yilapho sinikeza abantu ulwazi, izinkampani ezihlaseleka zizohlala zithola izindlela ezintsha zokuxhaphaza abahlwempu. Isibonelelo sika-R350 akuyona nje imali; iyithuluzi lokusinda, futhi sinomthwalo wemfanelo ohlangene wokuqinisekisa ukuthi siphelela ezandleni ezifanele.

Isiphetho: Buyisa Isibonelelo Sakho, Buyisa Amandla Akho

U-‘R100 ofihliwe’ akuyona nje ukulahlekelwa kwezimali; ukuwutshontsha isithunzi nethuba. Kuwumehluko phakathi kokuthenga izicathulo zesikole noma cha, ukubeka ukudla etafuleni, noma ukulamba. Uhlelo lungase lubonakale luyisicupho, futhi izinkampani zingase zibonakale zinamandla, kodwa zithembele ekuthuleni kwakho. Ngokuhlola isitatimende sakho, ukuphikisa zonke izindleko ezingezona, nokwenza izinqumo ezinolwazi, uyalwa. Isibonelelo sakho siyilungelo lakho. Ungavumeli muntu athathe ngisho no-Randi owodwa ngaphandle kokulwa.

FAQs

Ingabe i-SASSA ingadonsa imali ngokomthetho esibonelelweni sami?

I-SASSA ngokwayo ayidonsi imali yemikhiqizo efana nemali mboleko noma i-airtime. Ngokomthetho Wezibonelelo Zomphakathi, kuvunyelwe ukudonswa okukodwa kuphela kwekhava yomngcwabo, futhi akumele kube ngaphezu kuka-10% wenani lesibonelelo. Lokhu kusebenza kuphela ezibonelelweni zabantu abadala, hhayi izibonelelo zezingane. Noma yikuphi okunye ukudonswa kwemali kwenziwa nge-akhawunti yasebhange isibonelelo sakho esikhokhelwa kuyo, ngokusekelwe ezivumelwaneni okungenzeka wazenza nezinkampani ezingaphandle.

Ngingakuvimba kanjani ukudonswa kwemali okungekho emthethweni esibonelelweni sami se-SASSA ngo-2025?

Hamba egatsheni lasebhange lakho ngokushesha nomazisi wakho. Cela isitatimende sasebhange esigcwele ukuze uhlonze ukudonswa kwemali. Bese, cela ‘ifomu lokuphikisana ne-debit order’. Ligcwalise kukho konke ukudonswa kwemali okungagunyaziwe. Ibhange kumele, ngokomthetho, liguqule ukuthengiselana uma kutholakala ukuthi akugunyaziwe.

Ingabe kusemthethweni ukudonswa kwekhava yomngcwabo esibonelelweni sami?

Yebo, kungaba semthethweni ngaphansi kwezimo ezithile. Kumele ngabe usayine isivumelwano ngokuzithandela, futhi ukudonswa kwemali akukwazi ukuba ngaphezu kuka-10% wenani lesibonelelo sakho. Kodwa-ke, ukuthengiswa okuningi kuyingcindezi enkulu futhi kuyadukisa. Uma uzwa ukuthi udukisiwe noma usayine okuthile ongakwazi ukukukhokhela, usengakuphikisa nenkampani noma ubike ku-FSCA.

Yimaphi ama-akhawunti asebhange angcono kakhulu kubahlomuli be-SASSA ngo-2025?

Ngo-2025, izinketho ezinhle kakhulu ngokuvamile ama-akhawunti abiza kancane noma angenazo izinkokhelo. Bheka ama-akhawunti avela ku-TymeBank, Capitec, noma Bank Zero. Ngokuvamile anikeza izinkokhelo zanyanga zonke, ukuswayipha kwamahhala, nezindleko zokukhipha imali ezifanele. Qhathanisa izakhiwo zabo zakamuva zezinkokhelo ukuze uthole esifanele izidingo zakho.

Ngingahlola kanjani ukuthi yini edonswa ku-akhawunti yami ye-SASSA?

Okuwukuphela kwendlela yokuqiniseka ukuthola isitatimende sasebhange esigcwele, esiphrintiwe egatsheni lasebhange lakho noma nge-app yabo yeselula. Isitatimende esincane se-ATM asikhombisi imininingwane eyanele. Hlola lesi sitatimende njalo ngenyanga ngaphandle kokwehluleka.

Ngingathola imali mboleko uma ngithola isibonelelo se-SASSA?

Yebo, ungathola imali mboleko kumhlinzeki wesikweletu obhalisiwe. Kodwa-ke, kufanele uqaphele kakhulu. Ababolekisi abaningi baqondisa abahlomuli besibonelelo ngemali mboleko ephezulu yenzalo engakubopha esikweletini. Ungalokothi uboleke ku-‘mashonisa’ ongabhalisiwe futhi ungalokothi unikeze ikhadi lakho le-SASSA noma i-PIN njengesibambiso—lokhu akukho emthethweni.

Kungani i-SASSA ingikhokhele imali encane kule nyanga?

Uma inani lokukhokha kwakho kwe-SASSA liphansi, kungenxa yokudonswa kwemali okwenzeka ebhange lakho ngemuva kokuba i-SASSA ikhokhe inani eliphelele. I-SASSA ikhokha inani eliphelele lesibonelelo. Ukudonswa kwemali kwe-airtime, imali mboleko, noma izinqubomgomo zomshuwalense kuthathwa ku-akhawunti yakho yasebhange yizinkampani ezingaphandle. Thola isitatimende sakho sasebhange ukuze ubone ukuthi imali ihambe kuphi.

Ngingayibika kanjani inkampani ngokudonsa imali okungagunyaziwe?

Okokuqala, phikisa ukuthengiselana ebhange lakho. Bese, ungafaka isikhalo esisemthethweni ngokumelene nenkampani ku-Financial Sector Conduct Authority (FSCA) ngezindaba zomshuwalense/zenqubomgomo, noma ku-National Credit Regulator (NCR) ngezindaba zemali mboleko. Ungabika futhi emaphoyiseni njengokukhwabanisa.

Ingabe zikhona izinketho zebhange zamahhala kubahlomuli be-SASSA?

Amabhange amaningana anikeza ama-akhawunti angenazo izinkokhelo zanyanga zonke, okungabhekwa ’njengamahhala’ ukugcina. Kodwa-ke, ngokuvamile kunezindleko zokuthengiselana okuthile njengokukhipha imali ye-cash e-ATM yelinye ibhange noma ngezitatimende eziphrintiwe. Kubalulekile ukufunda uhlelo lwezinkokhelo ngokucophelela ukuze uqonde zonke izindleko ezingaba khona.

Iyini isistimu ‘ye-DebiCheck’ futhi ingangisiza?

I-DebiCheck iyisistimu eyethulwe ngamabhange aseNingizimu Afrika ukuze isize ukuvikela amakhasimende. Idinga ukuthi ugunyaze nge-elekthronikhi noma iyiphi i-debit order entsha ku-akhawunti yakho ngaphambi kokuba icutshungulwe. Lokhu kusiza ukuvimbela izinkampani ezikhwabanisayo ukuba zifake ama-debit order ngaphandle kolwazi lwakho. Hlala ubuza ibhange lakho ukuthi ama-debit order akho amasha acutshungulwa nge-DebiCheck.