Isicupho Se-R100 'Sokukhokha Kalula': Indlela Izimali Ezibolekwayo ne-BNPL Ezidla Ngayo Isibonelelo sakho se-SASSA se-R390 ngo-2026

OKUBALULEKILE ngo-Ephreli 2026: Igagasi elisha lezinhlelo zokusebenza ‘Zokuthenga Manje, Ukhokhe Kancane’ (BNPL) kanye nemali ebolekayo yedijithali ebonakala masinyane isihlasela kakhulu abahlomula kwa-SASSA. Nakuba bethembisa ukwenza izinto zibe lula, lezi zinsiza zidala umjikelezo wezikweletu osabisayo, lapho ukuthenga kwe-R100 okulula nje kudla sonke isibonelelo se-R390. Lolu phenyo lwembula izimali ezifihliwe, amaqhinga okudoba ingqondo, nomthelela obhubhisayo kulabo abantulayo eNingizimu Afrika, futhi luhlinzeka ngomhlahlandlela obalulekile wokusinda ngo-2026.

Isilwane Esisha Sedijithali: Indlela Isikibha se-R100 Esiba Ngubhubhane kuSibonelelo se-R390

Omashonisa bango-2026 abasami emakhoneni emigwaqo. Sebahlala ngaphakathi ku-smartphone yakho, bezifihlile ngaphansi ‘kokwenza izinto zibe lula’ ohlelweni lokusebenza lokuthenga. Lezi zinsizakalo, ezaziwa ngokuthi ‘Buy Now, Pay Later’ (BNPL), ziyingozi enkulu kakhulu engiyibonayo ebhekene nabahlomula kwa-SASSA namuhla. Benza ukuthenga okuncane kwe-R100 kube umjikelezo wesikweletu ogwinya isibonelelo se-R390 ngaphambi kokuba uyibone nenyama imali yakho.

Umbiko ovela ku-Consumer Justice Foundation ngo-Ephreli 2026 ubonisa ukuthi amaphesenti angama-35 abantu abathola isibonelelo se-SRD baye basebenzisa insiza ye-BNPL, futhi bahluleka ukukhokha lezi zimali eziyizikhathi ezintathu ngaphezulu kunabantu abanamaholo avamile. Lezi zinhlelo zokusebenza zithembisa isivinini nokulula, zibonakala njengensindiso lapho imali yakho yesibonelelo isiphela. Zinikeza ukuhlukanisa izindleko ezincane—njenge-airtime noma ukudla—kube “izinkokhelo ezintathu ezilula.” Kuzwakala kuwusizo, kodwa kuyisicupho. Lezi zinkampani empeleni zithembele ekutheni uphuthelwe inkokhelo eyodwa. Yilapho-ke insizakalo “yamahhala” ikushaya khona ngezimali ezinkulu zokuphuza ukukhokha kanye nezindleko ze-akhawunti. Kothile ophila ngesibonelelo se-R390, inhlawulo ye-R80 yokuphuza ukukhokha iyinhlekelele. Lokho kusho ukuthi u-20% womholo wakho wenyanga uhambe ngomzuzwana owodwa.

Ukuchithwa Kwenkohliso: Izindleko Ezifihliwe Namaqhinga e-BNPL

Okungikhathaza kakhulu yindlela lezi zinhlelo zokusebenza ezidlala ngayo nengqondo yabantu. Ziwuchwepheshe ekwenzeni izinto ongeke ukwazi ukuzikhokhela zibonakale zishibhile ngokuhlukanisa intengo. Isazi sokusebenza kwengqondo kwezezimali, uDkt. Aisha Ndlovu, uthi ubuchopho bethu bubona izinkokhelo ezine ze-R50 ngendlela ehluke kakhulu kunenkokhelo eyodwa ye-R200. Inombolo encane izizwa iphephile, ngakho siyayeka ukukhathazeka ngenani eliphelele. Leli yiqhinga elihleliwe lokukwenza usebenzise imali.

nansi indlela isicupho esisebenza ngayo ngempela:

• Amanga ‘Angekho Inzalo’: Bathembisa ukuthi ayikho inzalo, okuyindlela abakudoba ngayo. Kodwa lonke ibhizinisi labo lithembele ezinhlawulweni. Inkokhelo eyodwa ephuthelwe ibangela inhlawulo yokuphuza ephakathi kuka-R80 kuya ku-R150. Uma ubheka izibalo, lezi zinhlawulo ekuthengeni okuncane zingafana nokukhokha inzalo engu-1000%.
• Kulula Kakhulu Ukuthenga: Izinkinobho ze-BNPL sezikhona yonke indawo manje, kusukela ekuthengeni ku-inthanethi kuya ezitolo. Kushesha kakhulu kangangokuthi awunaso isikhathi sokuma ucabange ukuthi unayo yini ngempela imali.
• Bathatha Imali Yakho Kuqala: Uma ubhalisa, ubanika imvume yokuthatha imali ku-akhawunti yakho yasebhange (debit order). Ngomzuzwana isibonelelo sakho se-SASSA singena ngayo, babamba ingxenye yabo kuqala. Akukhathaleki noma udinga leyo mali yokudla noma yetekisi. Idatha evela ku-National Credit Regulator (NCR) ibonisa ukwenyuka ngo-250% kwezikhalo mayelana nalezi zimali ezidonswa ngendlela yedijithali kulo nyaka.

Kungani Abahlomula kwa-SASSA Betholwa Kalula ngo-2026

Kuyangicasula ukubona indlela laba ababolekisi abaqondisa ngayo kulabo abantulayo kakhulu. Bathanda abahlomula kwa-SASSA ngoba iholo liqinisekisiwe nguhulumeni. Bayazi kahle ukuthi imali ifika nini. Ngiphaphele ukuthi izikhangiso zalezi zinhlelo zokusebenza zimali ebolekayo ziyaqhuma ezinkundleni zokuxhumana ncamashi ngeviki elilodwa ngaphambi kokuba kuqale izinkokhelo. Ukuze uhlale ungaphambi kwabo, kufanele ngaso sonke isikhathi uhlole ikhasi elisemthethweni le-SASSA Payment Dates bese uhlela indlela ozosebenzisa ngayo imali yakho ngaphambi kokuba izikhangiso ‘zesikweletu esilula’ zikuthole.

Umjikelezo Wezikweletu: Izindaba Zangempela Zabantu Ababanjwe Izimali Zedijithali

Ukuze uqonde ukuthi lokhu kubi kakhulu kangakanani, kufanele uzwe kubantu ababhekene nakho.

Indaba kaThembi: Umama oneminyaka engama-28 eTembisa wasebenzisa uhlelo lokusebenza ukuthenga izicathulo zesikole zendodana yakhe ngo-R250. “Luthe izinkokhelo ezintathu ze-R83. Ngacabanga ukuthi ngingakwazi,” engitshela. Ukhokhe eyokuqala, kodwa kwase kunyuka imali yamateksi waphuthelwa yindonswa (debit order) yesibili nge-R30 kuphela. Uhlelo lokusebenza lwamshaya ngenhlawulo ye-R90. Kungazelelwe, wayesekweleta u-R173, okuyicela nengxenye yesibonelelo sakhe. Manje weqa ukudla ukuze akhokhe izinhlawulo.

Indaba kaSizwe: Owesilisa oneminyaka engama-34 waseMlazi wayefuna umsebenzi edinga u-R100 we-data. Wasebenzisa izinhlelo zokusebenza ezintathu ezahlukene ukuze akwazi ukukhokha zonke izindleko. Uhlelo lokusebenza olulodwa lwatshontsha i-R30 ’njengenkokhelo yesevisi’ kusengaphambili, ngakho wathola u-R70 kuphela. Ukuze akhokhe lokho, wathatha omunye umshado omkhulu kolunye uhlelo lokusebenza. Manje ukweleta ngaphezulu kuka-R500 ezinkampanini ezintathu ezahlukene. Isibonelelo sakhe se-R390 asikwazi nokuvala isikweletu. “Ngizizwa sengathi ngiyaminza,” kusho yena.

Uhlelo Lwakho Lokuzivikela Kwezezimali lwango-2026

Ukuvikela isibonelelo sakho se-R390 kudinga ukuzithiba okukhulu. Kufanele wakhe udonga lwemali yakho ngaphambi kokuba ababolekisi bayithole. Nansi indlela engiphakamisa ukuthi uyiphathe ngayo:

1. Sebenzisa Umthetho Wamange ayi-24: Uma ubona okuthile ofuna ukukuthenga ku-inthanethi, linda usuku lonke. Ngokuvamile, lowo muzwa ‘wokuthi kufanele ngibe nakho’ uyashabalala uma injabulo isidambile.
2. Hlela Isabelomali Ngaphambi Kokuba Imali Ifike: Hlala phansi nephepha nepeni. Bhala phansi ukudla kwakho, ugesi, nezinto zokuhamba kuqala. Noma yini esalayo yimali onayo ngempela ongayisebenzisa. Uma kungenalutho olusalayo, awukwazi ukukhokhela ‘inkokhelo elula.’
3. Sula Izinhlelo Zokusebenza (Delete Apps): Uma uzithola ubuka izinhlelo zokusebenza zokuthenga uma unesizungu, zisule. Uma isilingo singekho esikrinini sakho, mancane amathuba okuba uwele kuso.
4. Buza Imibuzo Elukhuni: Ngaphambi kokuchofoza ’thenga’, buza: Ingabe ngiyakudinga ngempela lokhu namuhla? Ngingakwazi yini ukukugcinela imali kunalokho? Kwenzekani uma ngiphuthelwa inkokhelo? Uma inhlawulo yokuphuza izodla ngaphezulu kuka-10% wesibonelelo sakho, shiya phansi.
5. Buyela Kuzitokofela: Ngisacabanga ukuthi ukonga okusekelwe emphakathini kuyindlela engcono kakhulu yokubhekana nezimo eziphuthumayo. Isitokofela esithembekile siphephile, asinayo inzalo, futhi sigcina imali emphakathini kunokuyithumela ku-akhawunti yasebhange yenkampani yezobuchwepheshe.

FAQs

Iyini ngempela i-Buy Now, Pay Later (BNPL)?

I-Buy Now, Pay Later yimali ebolekayo yesikhathi esifushane ekuvumela ukuthi uthenge okuthile manje bese ukukhokhela ngezitolimende. Ngokuvamile bathi ayinayo inzalo, kodwa benza imali yabo ngokukhokhisa izimali ezinkulu uma wephuze ngisho usuku olulodwa ngenkokhelo. Inhlangano ye-National Credit Regulator ixwayise ngo-2026 ukuthi lezi ziyingozi kakhulu kubantu abahola kancane.

Ingabe zonke izinsiza ze-BNPL nemali ebolekayo yedijithali iwubukhwabanisi?

Akuzona zonke ezingekho emthethweni, kodwa eziningi ziyazidodobalisa. Zisebenzisa imithetho edidayo nezimali eziphezulu ukuze zisebenzise abantu. Uma umbolekisi engabhalisiwe ne-National Credit Regulator (NCR), kufanele ube kude nabo.

Kwenzekani uma ngiphuthelwa inkokhelo ye-BNPL?

Uzoshaywa ngenhlawulo yokuphuza ngokushesha, imvamisa ephakathi kuka-R80 no-R150. Inkampani izoqhubeka nokuzama ukuthatha imali ku-akhawunti yakho, okungase kuholele ekutheni ibhange lakho likukhokhise ngisho nangaphezulu ngokuthi ‘imali enganele’ (insufficient funds).

Ingabe lezi zinhlelo zingathatha imali ngqo kwi-SASSA Gold Card yami?

Yebo, zingakwenza lokho. Uma ubhalisa, ubanika imvume (debit order mandate). Lokhu kusho ukuthi banegunya elisemthethweni lokuthatha imali ku-akhawunti yakho ngomzuzwana isibonelelo sakho se-SASSA sifakwa ngawo.

Ngingahlola kanjani ukuthi umbolekisi wedijithali ubhalisiwe futhi usemthethweni?

Vakashela iwebhusayithi ye-NCR ku-ncr.org.za bese usesha inkampani. Noma yimuphi umbolekisi wangempela kufanele abonise inombolo yakhe yokubhalisa (njenge-NCRCPxxxx) kuwebhusayithi noma kuhlelo lwakhe lokusebenza.