Isexwayiso: Izingibe Zesikweletu 'Thenga Manje, Khokha Ngemuva' Eziqondise Ezimalini Zikahulumeni ze-SASSA ngeBlack Friday ka-2025

Njengoba iBlack Friday ka-2025 isiseduze, izinkonzo ‘Thenga Manje, Khokha Ngemuva’ (Buy Now, Pay Later - BNPL) ziqondise ngamandla abantu baseNingizimu Afrika, okuhlanganisa nabahlomuli bezibonelelo ze-SASSA. Lesi sihloko siveza izingozi ezifihliwe, izimali ezinkulu zokwephuza, kanye nemijikelezo yezikweletu engase iguqule isibonelelo sakho sika-R350 sibe yinkinga enkulu yezezimali. Sinikeza umhlahlandlela wezinyathelo ezi-5 zokusinda ukukusiza ukuthi uzulazule ekuthengisweni ngaphandle kokuwela ogibeni.

Umkhuhlane weBlack Friday Uyaqala: Isipho Esiyengayo Okufanele Usenqabe

Ama-imeyili ayathululeka. Izaziso ze-SMS ziyakhala. IBlack Friday ka-2025 isifikile, ithembisa amadili kanye ngonyaka kukho konke kusukela ezintweni zikagesi kuya ezitolo zegrosa. Ezigidini zabantu baseNingizimu Afrika abathembela esibonelelweni se-SASSA SRD R350, kuzwakala njengewindi elifushane lokukwazi ukuthenga izinto ezidingekayo zokuphila—noma ngisho nokunethezeka okuncane. Kodwa okucashe ngemuva kokukhushulwa okukhazimulayo yisicupho esisha, esiyinkimbinkimbi sezezimali: ‘Thenga Manje, Khokha Ngemuva’ (Buy Now, Pay Later - BNPL). Lezi zinsizakalo ziyizingcweti zokumaketha, zenza kubonakale sengathi ungaba nakho konke manje ’ngezinkokhelo ezi-3 ezilula’. Lesi sihloko yisixwayiso esibalulekile: kumhlomuli we-SASSA, le ndlela ’elula’ ingaholela ngqo emjikelezweni wezikweletu.

Yini ‘Thenga Manje, Khokha Ngemuva’ Futhi Kungani Ikuyo Yonke Indawo Ngo-2025?

I-Buy Now, Pay Later ngokuyisisekelo yimali mboleko yesikhashana, engenanzalo ekuvumela ukuthi uthenge into ngokushesha futhi uyikhokhele ngezitolimende eziningana emasontweni ambalwa noma izinyanga. Izinkampani ezinjenge PayJustNow, Afterpay, kanye neMoreTyme zisebenzisane nabathengisi abakhulu kulo lonke elaseNingizimu Afrika. Iphuzu labo lokuthengisa liwukuthi kulula futhi ayikho inzalo, okuzwakala kuphelele. Inkinga ukuthi, imodeli yabo yebhizinisi ithembele ezintweni ezimbili: izimali zabathengisi futhi, okubaluleke kakhulu, izinhlawulo zokukhokha sekwephuzile. Ziklanyelwe ukukhuthaza ukuthenga ngaphandle kokucabanga, futhi izinqubo zabo zokugunyaza zivame ukungaqinile kakhulu kunezindlela zokuthenga ngesikweletu zendabuko, zibenza zifinyeleleke kalula kubathengi abasengozini.

Ugibhe Lwezibalo: Indlela u-R350 Aba Ngayo Ubuhlungu Bekhanda Buka-R1000

Ake siqonde ngqo ngezibalo. Isibonelelo se-SRD singu-R350. Siwumsila wenkemba, asiyona imali yokunethezeka. Manje, cabanga uthenga into engu-R600 ngeBlack Friday usebenzisa insizakalo ye-BNPL ehlukanisa ibe yizinkokhelo ezintathu zika-R200.

• Inkokhelo yoku-1 (Ethenga): R200. Manje ususele no-R150 kuphela esibonelelweni sakho inyanga yonke.
• Inkokhelo yesi-2 (Ngenyanga Elandelayo): R200. Lokhu kukhishwa ngokuzenzakalelayo, kukushiye no-R150 kuphela wesibonelelo sakho esilandelayo.
• Inkokhelo yesi-3 (Inyanga Ngemuva): R200. Futhi, usushiyeke no-R150.

Ngokuphazima kweso, ngaphezu kwengxenye yesibonelelo sakho isihambile izinyanga ezintathu zilandelana ngisho ungakathengi ukudla noma idatha. Futhi lokhu kucabanga ukuthi yonke into ihamba kahle. Kuthiwani uma inkokhelo eyodwa iphuzile?

Umbulali Ofihliwe: Iqiniso Mayelana Nezimali Zokwephuza Nezijeziso

Yilapho imodeli yebhizinisi ye-BNPL ibonisa khona amazinyo ayo. Uma inkokhelo yehluleka—mhlawumbe inkokhelo yakho ye-SASSA ilibele, noma kuvela enye imali—izinhlawulo ziyaqala. Imali yokwephuza ’encane’ engu-R70 noma engu-R100 ingase ingazwakali ingako, kodwa cishe ingxenye yesithathu yesibonelelo sakho sika-R350. Ezinye izinsizakalo zizoqhubeka nokwengeza izimali ngesonto ngalinye wephuze. Leyo nto engu-R600 ingakhula ngokushesha ibe ngu-R800 noma ngu-R900. Manje usebenzisa sonke isibonelelo sakho ukukhokhela izinhlawulo zokuthenga okukodwa, okukubamba emjikelezweni wesikweletu okunzima kakhulu ukuphuma kuwo.

Isifundo Sendaba: Indlela ‘Ngenani Elishibhile’ LeBlack Friday likaNomvula Elimlahle Izibonelelo Zezinyanga Ezimbili

UNomvula, umhlomuli we-SASSA waseTembisa, wayefuna ukuthengela indodana yakhe izicathulo ezintsha zesikole azibona ngentengo eshibhile yeBlack Friday ngo-R450. Esebenzisa uhlelo lokusebenza lwe-BNPL ocingweni lwakhe, wakhokha isitolimende sokuqala sika-R150. Ngenyanga elandelayo, inkokhelo yakhe ye-SASSA yabambezeleka izinsuku ezimbalwa ngenxa yenkinga yohlelo. Inkonzo ye-BNPL yazama ukukhipha u-R150, kodwa izimali zazingekho. Washaywa ngokushesha ngemali yokwephuza engu-R90. Uhlelo lokusebenza luqinise i-akhawunti yakhe. Ngesikhathi kufika isibonelelo sakhe, wayekweleta u-R240. Ukucindezeleka nokudideka kwamenza waphuthelwa yiwindi elilandelayo lokukhokha, kwanezela enye inhlawulo engu-R90. Izicathulo zika-R450 zagcina zimbize u-R630, cishe izibonelelo ezimbili ezigcwele ze-SASSA.

Umhlahlandlela Wakho Wezinyathelo Ezi-5 Zokusinda Kwesibonelelo se-SASSA ngeBlack Friday ka-2025

1. Imali Iyinkosi: Umthetho olula. Uma ungenayo imali esandleni sakho (noma ku-akhawunti yakho), awukwazi ukuyikhokhela. Khipha isibonelelo sakho futhi usebenzise imali engokoqobo ekuthengeni. Kwenza ukuchitha imali ngokweqile kube nzima kakhulu.

2. Yenza Uhlu ‘Lwezidingo’: Ngaphambi kokuthi ubheke ngisho namadili, bhala phansi lokho okudinga ngempela. Ukudla, izinto zokugeza, ugesi, ezokuthutha. Yabela u-R350 wakho kulezi zinto kuqala. Cabangela kuphela ‘izifiso’ ngalokho okusele, uma kukhona.

3. Zikhulule Ekubhaliseni Futhi Ungalandeli: Ngesonto leBlack Friday, zikhulule ekubhaliseni kuma-imeyili okumaketha futhi ungazilandeli izitolo ezinkundleni zokuxhumana. Nciphisa isilingo. Ukwesaba ukuphuthelwa (fear of missing out - FOMO) kuyithuluzi elinamandla lokumaketha eliklanyelwe ukukwenza uchithe imali.

4. Sebenzisa Enye Indlela Yakudala: Ilay-By: Uma kufanele uthenge into enkulu, sebenzisa ilay-by yendabuko. Azikho izimali zokwephuza, akukho ukuhlolwa kwesikweletu, futhi ayikho ingozi yomjikelezo wesikweletu. Uyikhokha uma ukwazi, futhi uma ungakwazi, uvame ukuyibuyisa imali yakho (ngemva kokukhipha imali encane yokukhansela).

5. Ukubambezela Ukwaneliseka: Amadili azobuya. Ukuthengiswa kukaKhisimusi, ukuthengiswa koNyaka Omusha, ukuthengiswa kwePhasika. ‘Intengo eshibhile’ yeBlack Friday ekufaka esikweletini izinyanga ezintathu ayiyona into eshibhile nhlobo. Kuwugibe. Linda uze ube usugcine yonke imali egcwele.

Yazi Amalungelo Akho: Umthetho Kazwelonke Wezikweletu Ne-BNPL

Kunenkulumo-mpikiswano eqhubekayo eNingizimu Afrika mayelana nokuthi izinsizakalo ze-BNPL kufanele zilawulwe ngokugcwele yini ngaphansi koMthetho Kazwelonke Wezikweletu (National Credit Act - NCA). Nakuba ezinye zisebenza endaweni empunga, wena njengomthengi usenamalungelo. Unelungelo lolwazi olucacile mayelana nazo zonke izimali nezindleko. Uma inkampani ikudukisa, ungayibikela kuMlawuli Kazwelonke Wezikweletu (National Credit Regulator - NCR). Ungavumeli lezi zinkampani zikucelele ngemigomo nemibandela eyinkimbinkimbi.

Isinqumo: Ingabe I-BNPL Wake Yaba Umqondo Omuhle Kubamukeli Be-SASSA?

Ngokombono wethu ochwepheshile, kunoma ubani othembela emalini engenayo ehleliwe, yezinga lokusinda njengesibonelelo sika-R350, izinsizakalo ezijwayelekile ze-Buy Now, Pay Later ziveza ingozi enkulu kakhulu kunomvuzo. ‘Ukulula’ abakunikezayo kuwukuconsa okushelelayo kungene emjikelezweni wesikweletu ongaba nemiphumela ebhubhisayo. Ukuziphatha kwezezimali okudingekayo ukuphatha izinkokhelo ze-BNPL ngokuphelele, ngaso sonke isikhathi, kukhulu kakhulu lapho imali yakho engenayo ingalindelekile futhi ingasibekeli nezinto ezibalulekile. Le Black Friday, isinyathelo sezezimali esihlakaniphe kakhulu ongazithathela sona ukuvikela isibonelelo sakho futhi uthi ‘cha’ esiqinile ogibeni ’lwezinkokhelo ezilula’.

FAQs

Ngingayisebenzisa yini ikhadi lami le-SASSA noma i-akhawunti yasebhange yezinsizakalo ze-Buy Now, Pay Later ngo-2025?

Yebo, ngokobuchwepheshe ungakwenza. Izinsizakalo ze-BNPL zikuvumela ukuthi uxhumanise ikhadi lebhange, okuhlanganisa ikhadi le-SASSA noma i-akhawunti yasebhange lapho uthola khona isibonelelo sakho. Nokho, ngenxa yokuthi ungakwazi akusho ukuthi kufanele. Kunikeza lezi zinkampani ukufinyelela okuqondile ekukhipheni izimali, kungakhathaliseki ezinye izidingo zakho ezibalulekile zenyanga.

Ingabe izinsizakalo ezifana nePayJustNow noma i-Afterpay ziphephile kubahlomuli be-SASSA?

Nakuba izinsizakalo ngokwazo ziyizinkampani ezisemthethweni, imodeli yazo yezezimali ayiphephile’ kubantu abanesabelomali esiqinile kakhulu futhi esimisiwe. Ingozi yokuthola izimali ezinkulu zokwephuza ngenxa yokukhokhwa kwesibonelelo okubambezelekile noma izindleko ezingalindelekile ziphezulu kakhulu. Sikweluleka ukuthi ungazisebenzisi uma isibonelelo sakho se-SRD siwumthombo wakho oyinhloko wemali engenayo.

Kwenzekani uma ngiphuthelwa yinkokhelo ye-BNPL?

Uma uphuthelwa yinkokhelo, ngokuvamile uzokhokhiswa imali yokwephuza engaguquki ngokushesha. Ezinye izinsizakalo zingase zengeze izimali ezengeziwe isonto ngalinye inkokhelo isalokhu ikhokhwa. I-akhawunti yakho izoqandiswa, kukuvimbele ukuthi ungenzi ukuthenga okusha, futhi inkampani izoqhubeka nokuzama ukukhipha inani elikweletwayo kanye nezinhlawulo ku-akhawunti yakho yasebhange.

Ingabe azikho ngempela izindleko zenzalo nge-BNPL?

Kuyiqiniso ukuthi izinsizakalo eziningi ze-BNPL azikhokhisi inzalo ngendlela evamile. Nokho, zithola imali yazo ezimalini zabathengisi kanye nezimali eziyizijeziso zokwephuza. Lezi zimali zokwephuza zingasebenza njengezinga lenzalo eliphezulu kakhulu uma usala ngemuva, zikhulise ngokushesha izindleko eziphelele zokuthenga kwakho.

Ngingawathola kanjani amadili eBlack Friday ngaphandle kokungena esikweletini?

Indlela engcono kakhulu ukonga kusengaphambili. Ezinye izindlela eziphephile zihlanganisa ukusebenzisa uhlelo lwelay-by lwendabuko ezitolo ezilunikezayo, ukuhlanganisa imali nomndeni noma i-stokvel ngokuthenga okuthile, noma ukusebenzisa imali kuphela onayo esandleni sakho esibonelelweni sakho ngemva kokumboza zonke izindleko ezibalulekile.

Ingabe ukusebenzisa ‘Thenga Manje, Khokha Ngemuva’ kuyayithinta yini ukufaneleka kwami kwesibonelelo se-SASSA sika-2025?

Cha, ukusebenzisa insizakalo ye-BNPL ngeke kukuthinte ngokuqondile ukufaneleka kwakho kwesibonelelo se-SASSA ngokwaso. Nokho, ukungena emjikeleweni wesikweletu ngenxa yalokho kungadala ukucindezeleka okukhulu kwezezimali okuthinta zonke ezinye izici zokuphila kwakho.

Uyini umehluko phakathi kwe-Buy Now, Pay Later nelay-by?

Nge-BNPL, uthola izimpahla ngokushesha futhi uzikhokhele ngokuhamba kwesikhathi. Uma uhluleka ukukhokha, uthola izinhlawulo futhi usesikweletini, kodwa uyayigcina into. Ngelay-by, ukhokha into ngezitolimende futhi uthole izimpahla kuphela ngemva kokuba usuyenzile inkokhelo yokugcina. Uma ukhansela, ngokuvamile uyayibuyisa imali yakho, ngemva kokukhipha imali encane yokukhansela. Ilay-by iyindlela ephephe kakhulu.

Ngingaluthola kuphi usizo lwezezimali lwamahhala eNingizimu Afrika?

Ungacela usizo kuMlawuli Kazwelonke Wezikweletu (NCR) ngezindaba ezihlobene nesikweletu. Ukwengeza, izinhlangano ezingenzi nzuzo njengeThe Black Sash zinikeza usizo lwezomthetho lwamahhala, futhi izinhlangano ezihlukahlukene ezisekelwe emphakathini zinikeza ukuqeqeshwa kwezezimali. Ukuxhumana nabo ngaphambi kokwenza isinqumo esikhulu sezezimali kuyisinyathelo esihlakaniphile.