Ukuhoxiswa Kwenkulumo Yesabelomali sika-2025 kanye nokuthi Kusho Ukuthini Ngokulondoloza Irandi Lakho
NgoFebhuwari 2025, uNgqongqoshe Wezezimali waseNingizimu Afrika wahoxisa inkulumo yesabelomali amahora ambalwa ngaphambi kokwethulwa, okwakungokokuqala emlandweni wezwe wentando yeningi. Lesi siqephu bekungesombangazwe, kodwa bekubuye kube wuphawu mayelana nengcindezi yesakhiwo erandini ongeke bakwazi ukukushalazela ukonga imali eyirandi.
Ukhiye wokuthatha
Isabelomali esihoxisiwe asidalanga izinkinga zezimali zaseNingizimu Afrika. Kwabadalula. Izikweletu zomphakathi zifinyelele ku-77% we-GDP ekupheleni kukaNdasa wezi-2025 kanti izikweletu manje sezigwinya ngaphezu kwengxenye yesihlanu yerandi ngalinye eliqoqwa nguhulumeni. Ingcindezi efanayo ehlehlise isabelomali yiyona encike emalini ngokuhamba kwesikhathi. Ukunikezwa kweBitcoin kwezinhlamvu zemali eziyizigidi ezingu-21 akunakushintshwa yinoma yimuphi umfundisi, okuyikhona okwenza ukwaba okunesizotha kube indlela ephusile yokubamba ingxenye yokonga kwakho ngaphandle kwaleyo zibalo.
Inkulumo yesabelomali yayingakaze ikhishwe ngenkathi yentando yeningi kwaze kwaba nguFebhuwari 2025. Yadonswa sekusele amahora amaningi.
Ngiyibuke yenzeka ngisedeskini lami eGeorge, ivuselela ukuphakela kwezindaba njengawo wonke umuntu ezweni. Into eyangishaya kwakungelona idrama yalo. Bekuyiyona ndlela evamile inkinga ewumsuka lapho usukhumule itiyetha. Uhulumeni wayefuna imali engaphezu kwaleyo umfelandawonye wawo owawungayivumela ukuba ithathe. Yiyo yonke indaba leyo. Kuphinde kube yindaba egcina, ekugcineni, enanini lerandi elihlezi ku-akhawunti yakho yasebhange.
Okwenzeka ngempela ngoFebhuwari 2025
Ekuseni mhla ziyi-19 kuNhlolanja wezi-2025 uNgqongqoshe wezeziMali bekumele ethule isabelomali sikazwelonke. Okubalulekile kube ukwenyuka okuhlongozwayo kwe-VAT isuka ku-15%. Ukwenyuswa kwezibalo bekungenazo izinombolo ngaphakathi kuHulumeni Wobumbano Lwesizwe, amaqembu awakwazanga ukuvumelana, inkulumo yahoxiswa ngaphambi kokuba ifundwe. Isabelomali sagcina sihlehliselwe uMeyi futhi saphasiswa kuphela ngemuva kokuvumelana.
Leli bekungelona iphutha lokugcwalisa. Isabelomali wumqulu owodwa lapho uhulumeni ethi, ngamarandi, uzothatha malini kuwe nokuthi uzosebenzisa malini egameni lakho. Ukuyidonsa ngehora lokugcina bekuwukuvuma ukuthi umfelandawonye awukwazanga ukuvumelana ngombuzo oyisisekelo oke waphendulwa umbuso.
Umzwelo ngemuva kwalokho kwaba wukufaka isiqephu ngaphansi kwepolitiki bese siqhubekela phambili. Bengingayifayela kwenye indawo. Isizathu sokuthi ukwenyuka kwe-VAT kutholakale nhlobo ukuthi izibalo ezingaphansi kwesabelomali ziyekile ukuhlanganisa buthule.
Isikhundla sezimali esikuphoqe
Isamba sesikweletu somphakathi waseNingizimu Afrika sesiphindeke cishe kathathu kusukela ngo-2008. Ekupheleni kukaNdasa wezi-2025 sase sifinyelele ku-77% we-GDP, futhi Ukubuyekezwa Kwesabelomali sango-2026 silindele ukuthi sifinyelele ku-78.9% kulo nyaka wezimali wamanje ngaphambi kokuba sinciphe. Lezo izinombolo ezinkulu, kodwa inombolo enquma ikusasa lakho incane. Ngonyaka wezi-2024/25, izindleko zesevisi yezikweletu, inzalo eqondile emalini eseyibolekiwe, ithathe u-21.3% wayo yonke imali engenayo kahulumeni. Imali engaphezu kwerandi elilodwa kwayisihlanu uhulumeni ayiqoqayo manje ibuyela ngqo kubanikazi bamabhondi ngaphambi kokuba kuxhaswe isikole esisodwa, umtholampilo noma umgwaqo.
Isisekelo sentela esithwala lowo mthwalo sincane. Ukungasebenzi okungaphezu kwamaphesenti angamashumi amathathu kusho ingxenye enkulu yabantu abadala abaneminyaka yokusebenza abayikhokhi nhlobo intela, ngakho isisindo siwela phezu kwezisebenzi ezisemthethweni nezinkampani ezinenzuzo. Uma imali inganwebeki, uhulumeni unezinyathelo ezine hhayi ngaphezulu. Ingakwazi ukukhuphula izintela, nokuyikho ukunyuswa kwe-VAT okuhoxisiwe. Inganciphisa ukusetshenziswa kwemali, okubiza amavoti. Ingaboleka okwengeziwe, okukhulisa inzalo osanda kufunda ngayo. Noma ingadedela inani langempela lesikweletu sayo incibilike ngenxa yokwehla kwamandla emali, ngokuthi yandise umthamo wemali ukuze isikweletu sayizolo sibuyiselwe ngamarandi ashibhile.
Leso sinyathelo sesine yisona okumele sibukelwe abalondolozi, ngoba yisona esingakuthumeleli isikweletu.
Ukuhlenga akekho owavotela
INingizimu Afrika isivele yafinyelela kulelo thuluzi lesine. Kabili.
NgoNdasa wezi-2020 iBhange Lombuso langena emakethe yamabhondi eqandisiwe futhi, ngamazwi alo, lakha imali yokuthenga izimpahla. Ithenge cishe amabhiliyoni ayi-R11.4 wezibambiso zikahulumeni ngo-Ephreli kuphela, ngaphezulu ngoMeyi nangoJuni, kwathi ngo-Okthoba 2020 yabamba cishe amabhiliyoni angama-R38.8 wamabhondi kahulumeni eyayingakaze ibe nawo ngaphambilini. IBhangengodla lashaya phansi ngonyawo ukuthi lokhu akukona ukuncishiswa kwenani. Omakhenikha basho okuhlukile.
Kwabe sekungena othule. IGold and Foreign Exchange Contingency Reserve Account irekhoda izinzuzo zephepha ezigciniwe zezwe zangaphandle, kanti iminyaka engamashumi amabili yobuthakathaka bamarandi yayivuvuke isuka ku-R28 billion ngo-2003 yaya ngaphezu kwezigidigidi ezingama-R500 ngo-2024. Ngonyaka wezi-2024 umbuso wavuma ukudonsa u-R150 wezigidigidi waleyo mali wehlisela kuMgcinimafa ngesabelomali esisha seBhange ngokuthengisa inzalo entsha yeBhange. ukuthwala izikweletu. Izazi zezomnotho ezicwaninga ngokusebenza kwamapayipi zibiza i- result de facto quantitative easing, kungakhathaliseki ukuthi iyini ilebula ethini. NgoMfumfu wezi-2025 imali ebanzi ibikhula ngo-7.5% ngonyaka, kanti izigidigidi ezingama-R22.4 zokwandiswa kwenyanga eyodwa zivela ezicelweni ezintsha zemboni kahulumeni. Inzuzo yokuhlaziya leyo sayizi akuyona inzuzo yokuhweba. Yiminyaka engamashumi amabili yokushelela kwemali, ebhalwe phansi ngobunono ngababali bezimali bombuso. Ngibeke umakhenikha ogcwele walokhu ngaphakathi empeleni kwenzekani ekongeni kwakho.
Yini eyenza ingcindezi yezimali erandini
Imali ayinciphisi ngokungahleliwe. Iba buthaka ngoba inhloko-dolobha yomhlaba wonke, ngokubuka izincwadi zezwe, inquma ukuthi ifuna ukubamba okuncane kulokho lelo zwe elikukhiphayo. Irandi laseNingizimu Afrika lisuke ku-R14 laya edollar ekupheleni kuka-2019 laya ku-R18.70 ngo-2024, i-slide engisilandela ngokugcwele ukuthi kusho ukuthini ukwehla kwerandi isikhathi eside kuBitcoin.
Ukuhoxiswa kukaFebhuwari 2025 kwaveza ukuntengantenga ngokushesha, neziqephu ezinjengalezi zivame ukwenza. Lapho indlela eya esikweletini esizinzile ibonakala ingacacile, imali ivame ukuthamba. Uma ibukeka ilawuleka, imali ingakwazi ukunqwabelana, njengoba yenzile kuwo wonke u-2025 unyaka wayo ongcono kakhulu kusukela ngo-2009, ibuyele emuva cishe ku-R16.50 maphakathi no-2026. Nikeza lowo mhlangano imali yawo. Kwakungokoqobo. Iphinde yaqhutshwa kakhulu yidola laseMelika elibuthaka kanye nokuthuthukiswa kwesilinganiso sesikweletu kunanoma yini elungisa izibalo zesikweletu ngaphansi.
Ngokulondoloza umphumela umphumela ulula futhi akuncikile kunoma yimuphi unyaka owodwa. Imali ebanjwa ngamarandi ilahlekelwa yizimo ezimbili ngesikhathi esisodwa. Ukwehla kwamandla emali kwasekhaya kudla amandla okuthenga ekhaya kuyilapho izinga lokushintshisana liwadla phesheya. Kokubili ukulahlekelwa akubonakali esitatimendeni senyanga nenyanga. Ubaqaphela kuphela lapho uzama ukuthenga okuthile okunenani lamadola, noma lapho uhlala phansi futhi uhlanganisa iminyaka eyishumi.
Ukuphuma kuyancipha ngesikhathi esifanayo
Nansi ingxenye enikeza indaba yesabelomali umkhawulo wayo. Impendulo esobala engcupheni yerandi ukuhambisa okunye ukonga kude nogu, futhi umbuso wenza buthule lokho ube nzima njengoba sikumema ukuthi ukwenze.
Ephepheni umnyango uvuleke. Isabelomali sika-2026 siphakamise isibonelelo esisodwa sokuzibonela sisuka esigidini esi-R1 saya ku-R2 million ngonyaka, phezu kwesabelomali sika-R10 million sangaphandle esadinga i-PIN ye-tax clearance PIN evela kwaSouth African Revenue Service (SARS). Ngakho-ke umuntu othobela umthetho angasusa u-R12 million ngonyaka, okuzwakala kuwukuphana. Funda okusalungiswa kwe-Capital Flow Management Regulations eshicilelwe ngomhlaka-17 Ephreli 2026, okuhloswe ngayo ukuvala indawo yemithetho yokulawula ukushintshaniswa kwe-1961, futhi kuvela isithombe esihlukile. Lolu hlaka manje seluphatha izimali zakwamanye amazwe, igolide kanye nezimpahla ze-crypto, lulenga amandla alo amaningi emngceleni uNgqongqoshe awubeka ngokuthanda kwakhe, ludinga izakhamuzi ukuba zimemezele ukugcinwa kwasolwandle zingakapheli izinsuku ezingamashumi amathathu, futhi lugcinele uMgcinimafa amandla okuphoqelela ukudayiswa kwempahla yangaphandle egcinwe ngokusemthethweni ibuyiselwe kuhulumeni ngamarandi. Ngingena ngijule kulokho kushintsha I-Bitcoin kanye nokulawulwa kokushintshaniswa ngemuva kwesabelomali sika-2026.
Fundani lawo maqiniso amabili ndawonye. Isibonelelo sokuhamba sakhuphuka. Ukugadwa kokuhamba kwakhuphuka kakhulu. Akukhona ukuphikisana lokho. Kungumqondo ofanayo odonse isabelomali lapho umfelandawonye ungafuni ukuvotela intela eyengeziwe, evezwe kurejista ehlukile.
Lapho i-Bitcoin ingena khona, ngokweqiniso
Ukuhlobana kweBitcoin lapha kuncane futhi ngincamela ukukusho kancane kunokukugada. Ukunikezwa kwayo kugxilwe ezinhlamvu zemali eziyizigidi ezingu-21 futhi akukho nkulumo yesabelomali, alikho ikomiti lenqubomgomo yezimali futhi asikho isivumelwano se-GFECRA esingasikhulisa. Irandi eliyibhondi liyisimangalo esikhungweni ngokwaso esingaphansi kwengcindezi yezimali. I-bitcoin egcinwe kokhiye bakho iyisimangalo kumuntu. Lowo mehluko uyiphuzu lonke, futhi uhlelekile kunokuba uphromothe.
Okungeyona i-Bitcoin iyindawo yokukhosela kuzo zonke izivunguvungu. Iyaguquguquka, ithwala isimo sayo sezulu esilawulayo, futhi ukuyibamba ngendlela efanele kudinga ukugcinwa kwangempela. Noma ubani okutshela ukuthi isusa ingozi uthengisa okuthile. Ishintshanisa isigaba esisodwa sobungozi, ukuqiniseka okunensayo kokwehliswa kohlobo lwemali, kwesinye, intengo ishintshashintsha kakhulu empahleni yemali encane, futhi ukushintshana kunengqondo esikhathini eside ngemali oyibeke eceleni ngokweqiniso.
Ngakho-ke, icala akukhona ukuthi i-Bitcoin iphephile. Indaba iwukuthi kumlondolozi onerandi ngalinye eselivele lihlala phakathi kwezimali ezimakethe ezincane ezisafufusa, isabelo esincane sempahla engahlobene nemiphumela yezimali yaseNingizimu Afrika siwuhlobo olunengqondo lokuhlukahluka. Kukhona omunye umbimbi okufanele uhlale nawo. Imithetho esalungiswa efanayo ngelinye ilanga engaphoqelela ukunikezelwa kwempahla yangaphandle kulula kakhulu ukuyisebenzisa ngokumelene nohlamvu lwemali olubanjwe lapho kuhwebelana khona kunalolo olugcinwe ngendlela ehlelwe kahle, umehluko engiwukhiphayo. okushiwo imithetho emisha ye-crypto yaseNingizimu Afrika uma ubambe i-Bitcoin.
Empeleni angiwatsheli amaklayenti ukuthi yimalini. Yilokho okufanele bakunqume. Umsebenzi wami ungomunye uhhafu womusho: ukhetha usayizi, ngiyaqinisekisa ukuthi awuwulahli. Lokho kusho ukuthi irandi libiza isilinganiso esilinganiselwe kunesigaxa esithengwe ekuseni ngesibindi, izinhlelo zokonga eziqala ku-R1,000 ngenyanga, ukuzinakekela kusuka ku-R10,000, kanye ne-Vault yezimpahla ezinkulu, ilungiselelo lama-multisig lapho kungekho khiye owodwa ongahambisa izinhlamvu zemali zodwa. Isabelomali singadonswa futhi ngonyaka ozayo. Okuhlezi ngaphakathi kwezikhiye zakho ngeke kudonswe muntu.
Imibuzo ejwayelekile ukubuzwa
Kungani inkulumo yesabelomali sikaFebruwari 2025 yahoxiswa?
Isabelomali sahoxiswa amahora ambalwa ngaphambi kokulethwa mhla ziyi-19 kuNhlolanja wezi-2025 ngenxa yokuthi ukukhuphuka kwe-VAT okuhlongozwayo kusuka ku-15% akukwazanga ukuthola isivumelwano ngaphakathi kumfelandawonye kaHulumeni Wobumbano Lwesizwe. Bekungokokuqala ukuthi kukhishwe isabelomali saseNingizimu Afrika ngaphambi kokwethulwa esikhathini sentando yeningi. Isabelomali sihlehliselwe uMeyi 2025 futhi saphasiswa kuphela ngemuva kokuthi kufinyelelwe esivumelwaneni.
Ukuntengantenga kwezimali kulithinta kanjani irandi?
Uma izincwadi zikahulumeni zibukeka zingaqinisekile, imali yomhlaba wonke ifuna ukubamba kancane imali yalelo zwe kanye namabhondi, okuthambisa izinga lokushintshisana. Irandi lenyuke lisuka ku-R14 laya edolani ngo-2019 laya ku-R18.70 ngo-2024 ngaphambi kokuthi umhlangano oqinile wango-2025 ulibuyisele ku-R16.50. Lowo mhlangano wawugqugquzelwa kakhulu yidola laseMelika elintekenteke kanye nokuthuthukiswa kwezinga lesikweletu esikhundleni sanoma yikuphi ukulungiswa kwesimo sesikweletu esiyisisekelo, lapho izindleko zesevisi manje zithatha ngaphezu kwengxenye yesihlanu yemali engenayo kahulumeni.
Ingabe i-Bitcoin iyindawo ephephile ngesikhathi sokuntengantenga komnotho?
Hhayi ngendlela igolide noma i-US Treasuries ngezinye izikhathi echazwa ngayo. I-Bitcoin yehle kakhulu ngesikhathi sokucindezeleka ezimakethe zomhlaba, okuhlanganisa nokulahlekelwa cishe ingxenye yenani layo ngezinsuku phakathi no-March 2020. Ekunikezayo kuhlukile: ukunikezwa okufakwe ezinhlamvu zemali eziyizigidi ezingu-21 okungekho senzo sikahulumeni esinganwetshwa, kanye nenani elingaboshelwanga kunoma yiziphi izinqumo zezimali zezwe elilodwa. Kumuntu waseNingizimu Afrika umcebo wakhe osuvele ulingana namarandi, lokho kuwuhlobo lokuhlukahlukana, akusona isiqinisekiso.
Ingabe uhulumeni angangiphoqa ukuthi ngidayise i-Bitcoin engiyibambe ngasogwini?
Uhlaka lwe-Capital Flow Management Regulations olwanyatheliswa ngo-April 2026 luzodinga izakhamuzi ukuba zimemezele izinto eziphethwe phesheya kwezilwandle, okuhlanganisa nezimpahla ze-crypto, zingakapheli izinsuku ezingamashumi amathathu, futhi zibekele uMgcinimafa amandla okuphoqelela ukudayiswa kwazo kuhulumeni ngamarandi. Iwuhlaka lomthetho futhi isimo sayo sokugcina asiqiniseki. Iphuzu elingokoqobo liwukuthi amandla anjalo kulula kakhulu ukuwasebenzisa ngokumelene nezinhlamvu zemali ezigcinwe ekushintshaneni okubhalisiwe kunokuphikisana ne-Bitcoin egcinwe ngokuzigcina ngokuhlelekile.
Ingakanani imali engiyilondolozile okufanele ngiyibambe ku-Bitcoin?
Lokho kuncike emalini oyitholayo, izindleko zakho, impahla yakho ekhona, umkhathizwe wakho kanye nokubekezelela kwakho ukwehla okubukhali, futhi kuyingxoxo eyodwa nenye esikhundleni sefomula esihlokweni. I-SimplB ayinikezi iseluleko sezezimali ngomqondo wezomthetho. Eyami indlela yokuthi unqume usayizi bese ngiqinisekisa ukuthi isikhundla sakhiwe futhi sigcinwe ngokuphepha, ngokuqongelela okuqhubekayo kwanyanga zonke kanye nokugcinwa okufanele kunesigaxa esisodwa esithengwe ngokungaguquki. Bhukha ingcingo ukukhuluma ngesikhundla sakho.
Bamba ingxenye yokonga kwakho ngaphandle kwesabelomali
I-SimplB isiza abantu baseNingizimu Afrika ukuthi bathenge, bavikele futhi bahlele i-Bitcoin ngendlela ehambisanayo, njengoMmeleli Wezomthetho we-CAEP Asset Managers (FSP 33933).
Bhukha ikholi yokutholwa