Ukurhoxiswa kweNtetho yoHlahlo-lwabiwo-mali luka-2025 kunye nokuba ithetha ukuthini kwiSavings yakho yeRandi
NgoFebruwari ka-2025, uMphathiswa wezeziMali woMzantsi Afrika wayirhoxisa intetho yohlahlo lwabiwo-mali kwiiyure ezimbalwa phambi kokunikezelwa, okokuqala kwimbali yedemokhrasi yelizwe. Isiqendu sezopolitiko, kodwa sikwaluphawu malunga noxinzelelo lolwakhiwo lwerandi abangakwaziyo ukulihoya.
Ukuthathwa okungundoqo
Uhlahlo lwabiwo-mali olurhoxisiweyo alukhange ludale iingxaki zezimali zoMzantsi Afrika. Yababhenca. Amatyala oluntu afikelele kwi-77% yeGDP ekupheleni kukaMatshi ka-2025 kwaye inkonzo yamatyala ngoku iginya ngaphezu kwesihlanu serandi nganye eqokelelwa ngurhulumente. Uxinzelelo olufanayo olumise uhlahlo lwabiwo-mali luxhomekeke kwimali ngokuhamba kwexesha. Unikezelo lweBitcoin lwemali eziinkozo ezizigidi ezingama-21 alunakutshintshwa nguye nawuphi na umfundisi, nto leyo eyenza ulwabiwo olundilisekileyo lube yindlela esengqiqweni yokubamba inxalenye yokonga kwakho ngaphandle kwezibalo.
Intetho yohlahlo lwabiwo-mali ayizange itsalwe kwixesha ledemokhrasi de kwangoFebruwari 2025. Yatsalwa kwaneeyure ezininzi.
Ndiyibukele isenzeka kwidesika yam eGeorge, ihlaziya iindaba njengaye wonke umntu elizweni. Eyonanto ibindibetha ibingeyo drama yalonto. Yayiqhelekile kangakanani ingxaki esisiseko wakuba ukhulule itiyetha. Urhulumente wayefuna imali engakumbi kunokuba umanyano lwakhe lunokukuvumela ukuba luthathe. Lilo lonke ibali. Ikwalibali eliphela, ekugqibeleni, kwixabiso lerandi lihleli kwiakhawunti yakho yebhanki.
Kwenzeke ntoni ngoFebruwari 2025
Ngentsasa yomhla we-19 kuFebruwari 2025 uMphathiswa wezeMali wayeza kunikezela ngohlahlo lwabiwo-mali lwesizwe. Eyona nto yayiphambili yayikukunyuka kwe-VAT okucetywayo ukusuka kwi-15%. Unyuso alunamanani ngaphakathi kuRhulumente woManyano lweSizwe, amaqela akavumanga, kwaye intetho yarhoxiswa phambi kokuba ifundwe. Uhlahlo lwabiwo-mali luye lwahlehliselwa uMeyi lwaza lwapasiswa kuphela emva kokuvumelana.
Le ibingeyompazamo yokufayilisha. Uhlahlo lwabiwo-mali luxwebhu olunye apho urhulumente achazayo, ngeerandi, ukuba uza kuthatha malini kuwe kwaye uza kuchitha malini egameni lakho. Ukuyitsala ngeyure yokugqibela ibe kukuvuma ukuba umanyano alukwazi ukuvumelana ngowona mbuzo usisiseko owakhe waphendulwa ngurhulumente.
Ithuku emva koko yayikukufaka isiqendu phantsi kwezopolitiko kwaye uqhubeke. Ndingayifaka kwenye indawo. Isizathu sokuba kunyuswe i-VAT kuzo zonke kukuba iimali ezingaphantsi kohlahlo lwabiwo-mali ziye zayeka ukudityaniswa ngokuzolileyo.
Imeko yemali eyanyanzelisa oko
Ityala likawonke-wonke loMzantsi Afrika liphantse laphindeka kathathu ukusukela ngo-2008. Ekupheleni kukaMatshi ka-2025 belifikelele kwi-77% ye-GDP, kwaye uPhononongo loHlahlo-lwabiwo-mali lowama-2026 lulindele ukuba linyuke kufutshane ne-78.9% kulo nyaka-mali umiyo phambi kokuba linciphe. Lawo ngamanani amakhulu, kodwa inani elithatha isigqibo ngekamva lakho lincinci. Kunyaka wama-2024/25, iindleko zenkonzo yamatyala, inzala ecacileyo yemali esele ibolekiwe, ithathe i-21.3% yayo yonke ingeniso karhulumente. Ngaphezu kwerandi enye kwezintlanu eziqokelelwa ngurhulumente ngoku zibuyela ngqo kubanini-mali (bondholders) phambi kokuba kuxhaswe imali yesikolo esinye, ikliniki okanye indlela.
Isiseko serhafu esithwele loo mthwalo sincinci. Ukungaqeshwa okungaphezulu kweepesenti ezingamashumi amathathu kuthetha ukuba isabelo esikhulu sabantu abadala abakwiminyaka yokusebenza abahlawuli rhafu yengeniso konke konke, ngoko ke ubunzima buwela kumaleko abhityileyo abasebenzi abasesikweni kunye neenkampani ezinengeniso. Xa imali ingekanweli, urhulumente uneentshukumo ezine kwaye akasekho. Iyakwazi ukunyusa irhafu, nto leyo ibiyiyo ukunyuswa kweVAT erhoxisiweyo. Inokunciphisa inkcitho, ebiza iivoti. Inokuboleka ngaphezulu, nto leyo ekhulisa ibhili yenzala osanda kufunda ngayo. Okanye inokuvumela ixabiso lokwenyani letyala layo linyibilike ngokunyuka kwamaxabiso, ngokwandisa unikezelo lwemali ukuze imbuyekezo yayizolo ihlawulwe ngeerandi ezinexabiso eliphantsi.
Elo nyathelo lesine sesona sigcino kufuneka sibukele, kuba seso singakuthumeli tyala.
Uhlangulo akukho mntu uluvoteleyo
UMzantsi Afrika sele ufikelele kweso sixhobo sesine. Kabini.
NgoMatshi ka-2020 i-Reserve Bank iye yangena kwimarike yebhondi engumkhenkce kwaye, ngamazwi ayo, yenza imali yokuthenga i-asethi. Ithenge malunga ne-R11.4 yeebhiliyoni zeerandi zokhuseleko luka-Epreli kuphela, ngaphezulu ngoMeyi nangoJuni, kwaye ngo-Okthobha ka-2020 yabamba malunga ne-R38.8 yeebhiliyoni zeebhondi zikarhulumente eyayingazange ikwazi ukuyibamba ngaphambili. I-Bhanki yayimi ngelithi oku ayikokuthomalalisa ngokomlinganiselo. Abakhandi batsho ngenye indlela.
Emva koko kwafika lowo uthuleyo. IAkhawunti yeGold and Foreign Exchange Contingency Reserve Account irekhoda iinzuzo zephepha koovimba belizwe bangaphandle, kwaye amashumi amabini eminyaka yobuthathaka berandi iye yadumba ukusuka kwi R28 billion ngo 2003 ukuya kwi R500 billion ngo 2024. Ngo 2024 urhulumente wavuma ukutsalela iR150 billion yaloo mali ukuhla kwiTreasury engazuyizuzwa ngeminyaka emithathu yogcino lwemali, kodwa idala inzala entsha yerandi eyiR150 ngonyaka ka 2024. ukuthwala amatyala. Iingcali zezoqoqosho ezifunda ngemibhobho zibiza isiphumo se-de facto quantitative easing, nokuba ithini na ileyibhile kwitoti. Ngo-Oktobha 2025 imali ebanzi ibikhula nge-7.5% ngonyaka, nge-R22.4 yeebhiliyoni zokwandiswa kwenyanga enye evela kumabango amatsha kwicandelo likarhulumente. Inzuzo yokuhlaziya ukuba ubungakanani ayisiyo inzuzo yokurhweba. Yiminyaka engamashumi amabini yokutyibilika kwemali, ebhalwe phantsi ngobunono ngabacwangcisi-mali bakarhulumente. Ndibeke ubuchwephesha obugcweleyo boku kwenzeka ntoni kugcino lwakho.
Yintoni eyenza uxinzelelo lwemali kwirandi
Imali ayiphelelwa ngamandla ngamabona-ndenzile. Iba buthathaka ngenxa yokuba inkunzi yehlabathi, ukubukela iincwadi zelizwe, ithatha isigqibo sokuba ifuna ukubamba kancinci kwizinto ezikhutshwa lelo lizwe. Irandi yaseMzantsi Afrika isuke malunga ne-R14 ukuya kwidola ekupheleni kuka-2019 yaya kwi-R18.70 ngo-2024, isilayidi endisilanda ngokupheleleyo ukuba ukuhla kwexesha elide kwerandi kuthetha ntoni kwiBitcoin.
Ukurhoxiswa kukaFebruwari ka-2025 kwavelisa ukungazinzi kwangoko, kunye neziqendu ezifana nesiqhelo. Xa indlela eya kumthwalo ozinzileyo wetyala ibonakala ingacacanga, imali ithande ukuthamba. Xa ikhangeleka ilawuleka, le mali ingakhula, njengoko yenzile kunyaka ka-2025 ngowona nyaka wayo ungcono ukusukela ngo-2009, ibuyele kufutshane ne-R16.50 phakathi kowama-2026. Yayiyinyani. Ikwaqhutywa kakhulu yidola yaseMelika ebuthathaka kunye nokuphuculwa komgangatho wetyala kunayo nayiphi na into elungisa izibalo zetyala ngaphantsi.
Kumsindisi isiphumo silula kwaye ayixhomekekanga kuwo nawuphi na unyaka. Imali egcinwe ngokwerandi ilahlekelwa yimiba emibini ngaxeshanye. Ukunyuka kwamaxabiso asekhaya kudla amandla okuthenga ekhaya ngelixa izinga lotshintshiselwano liwatya kumazwe angaphandle. Zombini ilahleko azibonakali kwingxelo yenyanga ukuya kwenyanga. Ubaqaphela kuphela xa uzama ukuthenga into enexabiso ngeedola, okanye xa uhlala phantsi kwaye udibanise ishumi leminyaka.
Ukuphuma kuyancipha kwangaxeshanye
Nantsi inxalenye enika ibali lohlahlo lwabiwo-mali umda wayo. Impendulo ecacileyo kumngcipheko werandi kukuhambisa imali eyongiweyo kude nonxweme, kwaye urhulumente uthe cwaka ekwenza kube nzima nanjengoko ekumema ukuba ukwenze.
Ephepheni kuye kwavuleka ucango. UHlahlo-lwabiwo-mali luka-2026 lunyuse isibonelelo esisodwa sokukhetha ukusuka kwisigidi esi-R1 ukuya kwi-R2 yezigidi ngonyaka, phezu kwe-R10 yezigidi zesibonelelo senkunzi yangaphandle esafuna i-PIN yokucocwa kwerhafu kwiNkonzo yeNgeniso yoMzantsi Afrika (SARS). Ngoko ke umntu othobelayo unokuhambisa i-R12 lezigidi ngonyaka, nto leyo evakala ngathi inesisa. Funda idrafti ye-Capital Flow Management Regulations epapashwe ngomhla we-17 ku-Apreli 2026, ejoliswe ekutshintsheni imithetho yolawulo lwe-1961, kwaye umfanekiso ohlukileyo uvela. Umgaqo-nkqubo ngoku uphatha imali yangaphandle, igolide kunye ne-crypto assets ngokufanayo, uxhoma amandla alo amaninzi kumgubasi uMphathiswa awubeka ngokuthanda kwakhe, ufuna ukuba abahlali babhengeze ukugcinwa kwe-offshore ngaphakathi kweentsuku ezingamashumi amathathu, kunye nokugcinwa kwe-Treasury igunya lokunyanzelisa ukuthengiswa kwezinto zangaphandle ezigcinwe ngokusemthethweni zibuyiselwe kurhulumente ngeerandi. Ndiya nzulu kulo shift in I-Bitcoin kunye nolawulo lotshintshiselwano emva kweBhajethi ye-2026.
Funda ezo zibakala zimbini kunye. Isibonelelo sokuhamba siye sanyuka. Ukubekw' esweni kokuhamba kwanyuka ngakumbi. Oko asikokuphikisana. Kukwafana nethuku eliye latsala uhlahlo lwabiwo-mali xa umfelandawonye ungazange uvotele irhafu eyongezelelweyo, echazwe kwirejista eyahlukileyo.
Apho i-Bitcoin ingena khona, ngokunyanisekileyo
Ukubaluleka kweBitcoin apha kumxinwa kwaye ndingathanda ukuyichaza kancinci kunokuba ndiyibeke ngaphezulu. Ukunikezelwa kwayo kulungiswe kwi-21 yezigidi zemali kwaye akukho ntetho yebhajethi, akukho komiti yomgaqo-mali wemali kwaye akukho sivumelwano se-GFECRA esinokuyandisa. Irandi kwibhondi libango kwiziko eliphantsi koxinzelelo lwemali. I-bitcoin egcinwe kwizitshixo zakho ibango akukho mntu. Loo mahluko yeyona nto iphambili, kwaye ilungelelene kunokuba ibe yintengiso.
Yintoni iBitcoin engeyiyo yindawo yokukhusela kuzo zonke iiqhwithi. Iyaguquguquka, ithwala imozulu yayo yokulawula, kwaye ukuyibamba ngokufanelekileyo kufuna ugcino lokwenyani. Nabani na okuxelela ukuba isusa umngcipheko uthengisa into ethile. Itshintshanisa udidi oluthile lomngcipheko, ukuqiniseka okucothayo kokuthotywa kwemali, kwelinye, ixabiso elibukhali kwi-asethi yemali encinci, kwaye utshintshiselwano lunengqiqo kuphela kwi-horizon ende ngemali oyibekile ngokunyanisekileyo.
Imeko, ke, akunjalo ukuba i-Bitcoin ikhuselekile. Imeko yeyokuba kumlondolozi onerandi nganye esele iphila kwimali yemalike encinci esakhulayo, ulwabiwo oluncinane kwi-asethi engahambelaniyo neziphumo zezimali zaseMzantsi Afrika luhlobo olunengqiqo lokwahlukana. Kukho enye imibimbi ekufanele ukuhlala nayo. Imithetho eyilwayo efanayo enokuthi ngenye imini inyanzelise ukunikezelwa kwe-asethi yangaphandle kulula kakhulu ukuyinyanzela ngokuchasene nenkozo ebanjwe kutshintshiselwano kunaleyo igcinwe ngokufanelekileyo ilungiselelo lokuzigcina ngokwalo, umahluko endiwukhuphayo kuwo. ukuba ithetha ukuthini imigaqo emitsha ye-crypto yaseMzantsi Afrika ukuba ubambe i-Bitcoin.
Enyanisweni andixeleli abathengi ukuba yimalini. Leyo yeyabo isigqibo. Umsebenzi wam sesinye isiqingatha sesivakalisi: ukhetha ubungakanani, ndiyaqinisekisa ukuba awulahleki. Loo nto ithetha ukuba ixabiso lerandi elizinzileyo lixabisa i-avareji yexabiso lerandi kunesixa esithengwe ngentsasa ekhaliphileyo, izicwangciso zokonga eziqala kwi-R1,000 ngenyanga, ukuzigcina ngokukhokelwayo ukusuka kwi-R10,000, kunye neVault yeempahla ezinkulu, ilungiselelo le-multisig apho kungekho sitshixo esinye sinokuhambisa imali yodwa. Uhlahlo lwabiwo-mali lunokutsalwa kwakhona kulo nyaka uzayo. Into ehlala ngaphakathi kwezitshixo zakho ayinakutsalwa nangubani na.
Imibuzo ebuzwa qho
Kwakutheni ukuze kurhoxiswe intetho yohlahlo lwabiwo-mali kaFebruwari 2025?
Uhlahlo lwabiwo-mali luye lwarhoxiswa kwiiyure phambi kokuba luhanjiswe nge-19 kaFebruwari 2025 ngenxa yokuba ukunyuka okucetywayo kwe-VAT ukusuka kwi-15% akukwazanga ukufumana isivumelwano ngaphakathi kuRhulumente woManyano lweSizwe. Yayikokokuqala uhlahlo lwabiwo-mali loMzantsi Afrika lutsalwa phambi kokuba lunikezelwe ngexesha ledemokhrasi. Uhlahlo lwabiwo-mali lwahlehliselwa uMeyi 2025 kwaye lwapasiswa kuphela emva kokuba kufikelelwe kwisivumelwano.
Ukungazinzi kwezimali kuyichaphazela njani irandi?
Xa iincwadi zikarhulumente zikhangeleka zingaqinisekanga, i-capital capital ifuna ukubamba imali encinci yelo lizwe kunye neebhondi, nto leyo ethambisa izinga lotshintshiselwano. Irandi isuke kwi-R14 yaya kwidola ngo-2019 yaya kutsho kwi-R18.70 ngo-2024 phambi kokuba irali eyomeleleyo ka-2025 iyibuyisele kufutshane ne-R16.50. Loo rali yayiqhutywa ikakhulu yidola yaseMelika ebuthathaka kunye nokuphuculwa komgangatho wetyala kunokuba kuko nakuphi na ukulungiswa kwetyala elisisiseko, apho iindleko zenkonzo ngoku zithatha ngaphezulu kwesihlanu sengeniso karhulumente.
Ngaba i-Bitcoin yindawo ekhuselekileyo ngexesha lokungazinzi kwezoqoqosho?
Akunjalo ngendlela igolide okanye i-US Treasuries ngamanye amaxesha ichazwa ngayo. I-Bitcoin iye yawa nzima ngexesha loxinzelelo lwemarike yehlabathi, kuquka ukulahlekelwa malunga nesiqingatha sexabiso layo ngeentsuku ngo-Matshi 2020. Yintoni enikezela ngayo yahlukile: unikezelo olugcinwe kwi-21 yezigidi zemali ukuba akukho ntshukumo karhulumente inokwandisa, kunye nexabiso elingabotshelelwanga kwizigqibo zezimali zelizwe elinye. Kumlondolozi waseMzantsi Afrika obutyebi bakhe busele buziirandi ngokupheleleyo, olo luhlobo lokwahlukahlukana, ayisosiqinisekiso.
Ngaba urhulumente angandinyanzela ukuba ndithengise iBitcoin endiyibambe ngaselunxwemeni?
Idrafti ye-Capital Flow Management Regulations eyapapashwa ngo-Epreli ka-2026 iya kufuna ukuba abahlali bachaze ukubanjwa kwe-offshore, kubandakanya i-crypto assets, kwiintsuku ezingamashumi amathathu, kwaye bagcinele uNondyebo amandla okunyanzelisa ukuthengiswa kwabo kurhulumente ngeerandi. Ingumthetho oyilwayo kwaye ukumila kwawo kokugqibela akuqinisekanga. Inqaku elibonakalayo lelokuba amagunya anjalo kulula kakhulu ukuwanyanzela ngokuchasene neengqekembe zemali ezigcinwe kutshintshiselwano olubhalisiweyo kunokuba ngokuchasene neBitcoin egcinwe ngokufanelekileyo ngokuzimela.
Ingakanani imali endiyigcinileyo ekufuneka ndiyibambe kwiBitcoin?
Oko kuxhomekeke kumvuzo wakho, kwiindleko zakho, izinto onazo ezikhoyo, ixesha lakho kunye nokunyamezela kwakho ukutsalwa okubukhali, kwaye yinto enye ukuya kwincoko kunokuba ibe yifomula kwinqaku. I-SimplB ayiniki ngcebiso yezemali kwingqiqo yomthetho. Eyam indlela yeyokuba uthatha isigqibo ngobungakanani kwaye ndiyaqinisekisa ukuba indawo yakhiwe kwaye igcinwe ngokukhuselekileyo, ngoqokelelo oluzinzileyo lwenyanga kunye nogcino olululo endaweni yentlama enye ethengwe ngokuqhutywa yintliziyo. Book a call ukuthetha ngesikhundla sakho.
Yibambe inxalenye yogcino lwakho ngaphandle kohlahlo lwabiwo-mali
I-SimplB inceda abantu baseMzantsi Afrika bathenge, bakhusele kwaye bamise i-Bitcoin ngokuthobelayo, njengoMmeli woBugqwetha we-CAEP Asset Managers (FSP 33933).
Bhukha umnxeba wokufunyanwa