UGibe Lwesikweletu Se-SASSA Olungu-R5,000: Kungani Ama-Loan Shark Eqondisa Isibonelelo Sakho Ngo-2025

NgoZibandlela (December) 2025, izinkulungwane zabahlomuli be-SASSA ziqondiswe ababolekisi abanolunya abaguqula izibonelelo ezincane zibe yizikweletu ezingamashumi ezinkulungwane zamaRandi. Loluphenyo luveza amaqhinga abawasebenzisayo, izexwayiso okufanele uzibheke, kanye namasu ezezimali aphephile ongawasebenzisa ukuvikela imali yakho nokwakha ikusasa elingcono.

Ubunzima Obungabonwa: Isibonelelo Sakho Siyigolide Kubo

Njengoba sihambela esikhathini samaholidi kaZibandlela 2025, kunobunzima obucashile obenzekayo emiphakathini yonkana eNingizimu Afrika. Kuzigidi zabantu, isibonelelo se-SASSA siyintambo yokuphila. Kodwa kwinqwaba yabantu ababolekisayo abanolunya, leyonkokhelo kahulumeni engaguquki akuyona intambo yokuphila; iwumthombo wemali eqinisekisiwe. Basibona isibonelelo sakho hhayi njenge-R350 yokusinda, kodwa njengesibambiso semalimboleko engakhula ibe isikweletu esingu-R5,000 ongeke usiphume. Lokhu akukhona nje ukuboleka imali; kumayelana nohlelo olwenzelwe ukucasha labo abasengozini kakhulu. Lesi sihloko akuyona nje inkomba eyisidina; isexwayiso nomhlahlandlela wamasu okuvikela okuncane onakho futhi ukuguqule kube okukhulu.

Kungani Isibonelelo Sakho Se-SASSA SiyiThagethi Elikhulu Ngo-2025

Kungani ababolekisi bebonisa isithakazelo esingaka kubahlomuli bezibonelelo? Impendulo ilula: ukuqhubeka kokukhokha. Ngokungafani nomsebenzi ongalahleka, isibonelelo sikahulumeni singesinye sezinhlobo ezinokwethenjelwa kakhulu zemali engenayo. Ababolekisi, ikakhulukazi ‘omashonisa’ abangahlelekile noma ama-loan shark, bayakwazi lokhu. Bayazi ukuthi ngosuku oluthile njalo ngenyanga, imali izofakwa. Kubona, lokhu kukwenza ube iklayenti elingenayo ‘ingozi encane’ (low-risk), hhayi ngoba ungakwazi ukukhokhela isikweletu, kodwa ngoba banethuba elikhulu lokubuyisa imali yabo, ngokuvamela ngokubamba ikhadi lakho le-SASSA kanye ne-PIN—okuyinto engekho emthethweni kodwa evame kakhulu. Lokhu kuthembeka kudale ukuzingela okukhulu. Banikeza ‘imali esheshayo’ ngaphandle kokuhlolwa kwezikweletu, beqondisa abantu ngezikhathi zokuphelelwa ithemba. Kodwa le ‘mali esheshayo’ iza nezintambo ezilimazayo ezihambisana nenzalo ephezulu ngokungenakwenzeka.

Izexwayiso Ezibomvu: Ungamazi Kanjani Uma-Loan Shark Onolunya

Ukubona imali mboleko eyingozi kuyisinyathelo sokuqala sokuyigwema. Nazi izimpawu ezicacile zokuxwayisa ngo-2025:

• Bafuna Ikhadi Lakho le-SASSA kanye ne-PIN: Lokhu akukho emthethweni futhi kuyiqhinga labo elikhulu. Ungalokothi unikeze ikhadi lakho noma i-PIN kunoma ubani. Kuyindlela yakho eqondile yemali yakho, futhi ukuyinikeza kusho ukuthi banokulawula okuphelele.
• Awukho Umsebenzi Wasehhovisi Noma Ukuhlolwa Kokukwazi Ukukhokha: Umboleki osemthethweni, obhaliswe ku-National Credit Regulator (NCR), kufanele enze ukuhlolwa kokukwazi ukukhokha. Ama-loan shark awanandaba nokuthi ungakwazi yini ukukhokha. Akufuna usikweletu.
• Inzalo Ephakeme Ngokwedlulele: Bangase bathi ‘inzalo engu-30% kuphela’, kodwa bangasho ukuthi lokho kungenzeka masonto onke noma ngenyanga. Lokhu, okwaziwa ngokuthi ‘ukuqondiswa’, kungasho ukuthi ukhokha kabili noma kathathu kunalokho okubolekile ngesikhathi esifushane kakhulu.
• Imigomo Nemibandela Engacacile: Uma bengakwazi ukukunikeza idokhumenti ecacile echaza inani eliphelele okufanele ulikhokhe, izinga lenzalo, kanye neshejuli yokukhokha, baleka.
• Ukusabisa Nezinsongo: Imodeli yabo yebhizinisi ithembela ekwesabeni. Basebenzisa izinsongo zobudlova noma ukuhlaziswa emphakathini ukuqoqa izinkokhelo. Umhlinzeki wesikweletu wangempela unezindlela zomthetho zokuqoqwa; abasebenzisi ukwesabisa.

Ukukhula Kwezikweletu Kusuka Ku-R350 Kuye Ku-R5,000: Isibonelo Sangempela

Ake sibone ukuthi izinto zingahamba kabi kangakanani ngokushesha.

1. Isidingo: KungoZibandlela, futhi udinga u-R500 owengeziwe wezinto zokudla nezicathulo zesikole zengane.
2. Ukunikezwa: Uma-mashonisa wendawo ukunikeza u-R500 ngokushesha. Konke abakudingayo yikhadi lakho le-SASSA ’lokuphepha’. Bashaja inzalo engu-50% ngenyanga.
3. Inkokhelo Yokuqala: Uma isibonelelo sakho esilandelayo esingu-R350 sifika, bathatha yonke leyo mali. Usabakweleta u-R400 (R250 imali oboleke yona + R150 inzalo, kususwe u-R350 abawuthathile).
4. Ukuphinda Uboleke: Manje awunayo imali yaleyo nyanga. Uphoqelekile ukuboleka omunye u-R500 ukuze usinde. Isikweletu sakho manje singu-R900, futhi inzalo iyakhula. Esikhathini esingangenyanga ezintathu kuya kwezine, leyo mali mboleko yokuqala engu-R500 isikhule yaba ngaphezu kuka-R5,000 ngokuboleka kabusha kanye nenzalo ebulalayo. Manje usebenzela uma-loan shark, ngesibonelelo sakho sonke sinyamalale ungakaze usibone. Kunguhlobo olusha lobugqila.

Enye Indlela Ephephile Ingxenye 1: I-Akhawunti Yakho Yasebhange Iyisihlangu Sakho

Isikhali esinamandla kunazo zonke onaso ngokumelene nama-loan shark ukulawula imali yakho. Indlela engcono kakhulu yokwenza lokhu ukufaka isibonelelo sakho se-SASSA ngqo kwi-akhawunti yasebhange ongamuntu oyedwa onokufinyelela kuyo.

• Kungani I-Akhawunti Yasebhange Ibalulekile: Ivimbela noma ubani ukuthi athathe ikhadi lakho. Ungasebenzisa ikhadi lakho lasebhange ukuze ukhiphe imali noma ukhokhe ezitolo, ugcine imali yakho iphephile.
• Ama-Akhawunti Anconyelwe Abahlomuli Besibonelelo:
  • I-Postbank: Yakhelwe ngokukhethekile izibonelelo ze-SASSA, inezindleko eziphansi futhi ifinyeleleka kabanzi kunoma yiliphi iHhovisi Lezaseposi.
  • Ama-Akhawunti Asebhange Okuqala: Amabhange anjenge-Capitec, i-TymeBank, ne-FNB anama-akhawunti ‘Akhokha njengoba usebenzisa’ noma anezindleko eziphansi atholakala ngentengo efanele. Avame ukuba nezinhlelo zokusebenza zasebhange zeselula ezikusiza ukuba ulandelele yonke iRandi. Ukushintsha kulula. Ungavakashela ihhovisi le-SASSA lendawo yakho nge-ID yakho nobufakazi be-akhawunti yakho yasebhange ukuze ugcwalise ifomu lokushintsha indlela yokukhokha kwakho.

Enye Indlela Ephephile Ingxenye 2: Ukwakha ‘I-Stokvel’ Yakho Yodwa

Ukuphuma engqondweni yesikweletu kudinga uhlelo olusha. Esikhundleni sokuboleka, gxila ekongeni. Ngisho nemali encane ingakha isikhwama esinamandla sezimo eziphuthumayo.

• Inselelo Ka-R20: Lapho isibonelelo sakho sifika, ngaphambi kokuba usebenzise noma yini enye, khipha u-R20 uyibeke endaweni ephephile. Yenza lokhu njalo ngenyanga. Ngemuva konyaka, uzoba no-R240. Kuyisiqalo.
• Sebenzisa Amathuluzi Okonga Ebhanga: Izinhlelo zokusebenza eziningi zasebhange zinezici ‘zezikhwama zokonga’ noma ‘zokonga inhloso’. Hambisa ngokuzenzakalela u-R30 noma u-R50 kulezi zikhwama ngosuku okhokhelwa ngalo. Out of sight, out of mind.
• Amaqembu Okonga Omphakathi (Ama-Stokvel): Ukujoyina i-stokvel ethembekile nabantu obathembayo kungaba indlela enhle yokonga. Kudala ukuqondiswa kanye nohlelo lokusekela. Lokhu akukona ukuba ucebe ngobusuku obubodwa. Kumayelana nokwakha isivikelo esincane, mhlawumbe u-R300-R500, esingakhokhela isimo esincane esiphuthumayo ngaphandle kokudinga ukuphendukela kuma-loan shark.

Ugibe Lwe-Funeral Cover Ne-Inshuwaransi: Ingabe Ukhokhela Ubuze?

Esinye isizinda lapho abahlomuli belahlekelwa khona imali ngenxa yokudonswa kwemali ye-inshuwaransi engadingekile noma enolunya. Uzothola izingcingo ezinikeza ‘i-funeral cover’ enhle ngo-R50 kuphela ngenyanga. Nakuba ukuba nohlelo lwezindleko zomngcwabo kuhlakaniphile, qaphela kakhulu.

• Inkinga: Eziningi zalezi zinqubomgomo zinamanani aphezulu futhi zinezigatshana eziyinkohliso. Ngezinye izikhathi, ama-debit order angagunyaziwe anezelwa kwi-akhawunti yakho.
• Okufanele Ukwenze:
  1. Hlola Amarisidi Akho: Njalo bheka irisidi lakho lenkokhelo noma isitatimende sasebhange. Ingabe ubona ukudonswa kwemali ongakuqapheli?
  2. Ungalokothi Unikeze Imininingwane Yasebhange Ocingweni: Ungavumelani nezinqubomgomo ezivela kubantu abakushayelayo.
  3. Qhathanisa Abahlinzeki Abathembekile: Uma udinga i-funeral cover, thola izingcaphuno ezivela ezinkampanini ezisunguliwe njenge-Avbob, i-Doves, noma lezo ezinikezwa ibhange lakho. Funda imigomo ngokucophelela.
  4. Khansela Izinqubomgomo Ongazifuni: Unelungelo lokukhansela noma iyiphi inqubomgomo. Xhumana nomhlinzeki futhi uyale ibhange lakho ukuba livimbe i-debit order uma kunesidingo. Ukuvikela u-R350 wakho kuyinto eza kuqala.

Ama-Akhawunti Esitolo: Ithuluzi Noma Ugibe?

Izitolo ezifana ne-Pep, i-Ackermans, noma i-Shoprite zivame ukunikeza ama-akhawunti esitolo. Ingabe angaba usizo? Yebo, kodwa ngokuqapha.

• Okuhle: Angakusiza ukuba uthenge izinto ezibalulekile ezifana nemifaniswano yesikole noma into encane ngesikweletu kumhlinzeki olawulwayo.
• Okubi: Amazinga enzalo asengaba phezulu. Kulula kakhulu ukusebenzisa imali eyeqile futhi ugcine unengxenye ebalulekile yesibonelelo sakho idliwa yinkokhelo yanyanga zonke. Iseluleko Sethu: Uma kufanele usebenzise i-akhawunti yesitolo, yisebenzisele ukuthenga okukodwa, okuhleliwe. Khokha ngokushesha okukhulu futhi ugweme ukuyisebenzisela izinto zokudla zansuku zonke. Kubheke njengethuluzi lesikhathi esisodwa, hhayi indlela yokuphila.

Amalungelo Akho Omthetho: Ukulwa Nama-Lender Anolunya

Awunakuzisiza. Umthetho ungakweseka. Uma ucindezelwa noma unikeze ikhadi lakho kuma-loan shark, nansi into ongayenza:

1. Bika: Xhumana neSouth African Police Service (SAPS) ukuze ubike ukubanjwa kwekhadi okungekho emthethweni nezinsongo. Kuyicala.
2. Faka Isikhalazo: Faka isikhalazo ku-National Credit Regulator (NCR) mayelana nanoma yimuphi umboleki ongabhalisiwe oshaja inzalo eyeqile.
3. Khansela Ikhadi Lakho: Ngokushesha hamba ePosini noma ebhange lakho ubike ikhadi lakho ’lilahlwe’ noma ’lintshontshiwe’. Bazokunikeza ikhadi elisha, kunqanyulwe ukufinyelela kuma-loan shark.

Isiphetho: Isibonelelo Sakho, Amandla Akho, Ikusasa Lakho

U-R350 noma ezinye izibonelelo ze-SASSA akuyona ithikithi lokuceba, kodwa akufanele zibe ithikithi lokuya ejele lesikweletu. Abadlayo bezezimali bango-2025 bahlakaniphile, kodwa amaqhinga abo ayakwazi ukuqagela. Ngokulawula indlela yakho yokukhokha, ngokubuza konke okudonswayo, ngokubona izexwayiso ze-loan shark, nangokuzibophezela ekongeni ngisho nemali encane, uthola amandla. Isibonelelo sakho yimali yakho. Ngo-2025, yenza isinqumo sokuyigcina injalo.

FAQs

Ingabe akukho emthethweni ukuthi umuntu agcine ikhadi lami le-SASSA eNingizimu Afrika?

Yebo, akukho emthethweni ngokuphelele. Ikhadi lakho le-SASSA ne-PIN kungokusebenzisa kwakho kuphela. Kuyicala lobugebengu ukuthi umboleki wemali (umashonisa) noma omunye umuntu abambe ikhadi lakho njengesibambiso semalimboleko. Uma lokhu kwenzeka kuwe, kufanele ubikele ihhovisi le-SAPS eliseduze futhi ubike ngokushesha ikhadi lakho njengelintshontshiwe ku-SASSA noma ku-Postbank ukuze likhanselwe bese ukhipha elisha.

Ngingayithola yini imali mboleko esemthethweni njengomhlomuli wesibonelelo se-SASSA ngo-2025?

Yebo, kungenzeka, kodwa kufanele uqaphele kakhulu. Ababolekisi abasemthethweni ababhaliswe ku-NCR banganikeza imali mboleko, kodwa kufanele benze ukuhlolwa kokukwazi ukukhokha. Lokhu kusho ukuthi bahlola ukuthi ungakwazi yini ngempela ukukhokha izinkokhelo. Amabhange anganikeza imali mboleko encane, yesikhathi esifushane. Kodwa-ke, inani elincane lesibonelelo lisho ukuthi cishe ngeke ukwazi ukuthola imali mboleko enkulu. Kuhlale kuphephe kakhulu ukwakha ukonga ukuze kube nesimo esiphuthumayo kunokuthatha isikweletu.

Iyini inzalo enkulu umboleki angayishaja ngokusemthethweni ngo-2025?

Amazinga enzalo alawulwa yi-National Credit Act (NCA). Ezimalini mboleko zesikhathi esifushane, inzalo enkulu ingu-5% ngenyanga yemalimboleko yokuqala ngonyaka, kanti ingu-3% ngenyanga yemalimboleko elandelayo kulo nyaka. Noma yimuphi umboleki okushaja u-20%, u-30%, noma u-50% ngenyanga usebenza ngokungekho emthethweni futhi kufanele abikelwe i-NCR.

Ngingayishintsha kanjani indlela yokukhokha i-SASSA yami iye kwi-akhawunti yasebhange?

Kufanele uthole ifomu ‘Lokucela Inkokhelo Yasebhange’ (SASSA Annexure C) ehhovisi le-SASSA noma ulilande ku-inthanethi. Ligcwalise ulithathe uye ebhange lakho olithandayo ukuze ligxivizwe. Bese, uhambisa ifomu eligxiviziwe, kanye ne-ID yakho nobufakazi be-akhawunti yasebhange, ehhovisi le-SASSA lendawo yakho. Kungathatha cishe inyanga ukuba licutshungulwe.

Ingabe ama-funeral policy abalulekile uma ngithola isibonelelo?

Angaba njalo, kodwa kuphela uma evela kumhlinzeki othembekile futhi ungakwazi ukukhokhela i-premium yanyanga zonke ngaphandle kobunzima. I-policy enhle ingavimbela umndeni wakho ukuthi ungangeni esikweletini somngcwabo. Nokho, qaphela ama-policy ashibhile anokukhishwa okuningi noma izingcingo zokuthengisa ezicindezelayo. Njalo qhathanisa izingcaphuno ufunde imininingwane emincane. Ngezinye izikhathi, ukonga inani le-premium elifanayo kwi-akhawunti ehlukile kungaba inketho engcono.

Isicelo sami se-SASSA senqatshiwe, ngingakwazi yini ukuthola imali mboleko?

Akufanele uzame ukuthola imali mboleko uma ungenayo imali engenayo. Uma isibonelelo sakho senqatshwa futhi ukholwa ukuthi kwaba iphutha, kufanele ugxile ohlelweni lokufaka isikhalazo kuqala. Ukuthola imali mboleko ngaphandle kwemali engenayo kuyindlela esheshayo yokungena ogibeni lwesikweletu ongeke uphume kulo.

Iyiphi ibhange eliphephe kakhulu lesibonelelo se-SASSA?

I-Postbank iyinketho ephephe kakhulu futhi evame kakhulu njengoba ihlanganiswe nohlelo lwezibonelelo. Kodwa-ke, amabhange amaningi amakhulu njenge-Capitec, i-TymeBank, i-FNB, ne-Standard Bank anikeza ama-akhawunti aphansi, okuqala nawo aphephe kakhulu futhi anikeza izinzuzo ezinjenge-mobile banking, ezingakusiza ukuba uphathe imali yakho kangcono. Ibhange ’eliphephe kakhulu’ yilelo ongalifinyelela kalula futhi elikuvikela ekudonsweni kwemali okungagunyaziwe.

Ngiqala kanjani uhlelo lokonga ngo-R350 kuphela ngenyanga?

Okubalulekile ukuqala kancane futhi uqhubeke. Ungahlose u-R100 uma ungakwazi ukukhokhela. Qala ngo-R20 noma u-R30 kuphela. Lapho nje isibonelelo sakho sifika, beka leyo mali eceleni. Sebenzisa isikhwama sokonga esihlukile kuhlelo lwakho lokusebenza lwasebhange noma ngisho nebhange lengulube elilula ekhaya. Umgomo ukwakha umkhuba. Uma usubona ukuthi ukonga kwakho kukhula, ngisho kancane, uzogqugquzeleka ukuqhubeka.