In Sesotho, when you tell someone to “Atleha” you are telling them to prosper.

atlehaweblogo

By combining “Atleha” and “edu” we want to contribute to quality financial education.

Terminology – useful terms translated into isiXhosa, isiZulu and Sesotho

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Imihlomulo yomshado, isehlukaniso kanye nokuthatha umhlalaphansi

Esikhwameni sempesheni noma esikhwameni sikadekle (i-provident fund), inzalo yempesheni iyisamba semali lowo oganene naye okumele asithole uma lowo aganene naye esula emsebenzini ngosuku lwesehlukaniso somshado. Lokhu akuchazi ukuthi ilungu lesikhwama somhlalaphansi lidinga ukuhlukanisa inzalo yempesheni yalo phakathi ukuze likhokhele lowo ebeliganene naye ngaphambilini. Linalo ilungelo lokuzikhethela ukukhokha isamba leso okumele lowo elaliganene naye ngaphambilini asithole esikhwameni somhlalaphansi, noma kwenye ingcebo elinayo efeni lalo. Okunye, okubalulekile ukuthi ukuqaphele ukuthi isicelo senkokhelo senzalo yempesheni esifakwe maqondana nomuntu oganene naye asinawo umkhawulo ka-50%. Ngokomthetho, labo abathintekayo bangafaka isicelo senkokhelo sanoma yimalini kusuka ku-0.1% kuya ku-100% womhlomulo wenzalo yempesheni yalabo ababeganene nabo ngaphambilini.

Isivumelwano esenziwa kungakashadwa kungenwa kusona lapho abaganene bengafuni ukushada ngomshado ohlanganisa amafa futhi siphothulwa ngaphambi komshado. Isivumelwano esenziwa kungakashadwa singaba semqoka kakhulu ikakhulukazi kumuntu osenempahla nengcebo egameni lakhe kakade (isb. ibhizinisi) noma izibopho zomndeni (isb. izingane) azithola emshadweni wangaphambilini. Lesi sivumelwano siqinisekisa ukuthi laba abaganene bagcina amafa abo ngokwehlukana futhi abanaso isibophezelo sokuthwala izikweletu zomunye nomunye wabo, ukwenza isibonelo, ngaphandle-ke uma bethathe isikweletu ngokuhlaganyela noma uma oganene naye ehlinzeke ngesibambiso esiqondene naye siqu ngesikweletu esithathwe yilowo aganene naye.

Isivumelwano esenziwa kungakashadwa esiqongelela impahla noma esingaqongeleli impahla

Esivumelwaneni esingaqongeleli impahla, abaganene bagcina lokho abanakho ngaphambi komshado baphinde futhi bagcine lokho ababa nakho ngemuva komshado. Uma isivumelwano sinohlelo lokuqongelela impahla, umuntu ngamunye kwabaganene usazogcina ifa lakhe, kodwa isivumelwano yisona esinquma ukuthi impahla eqongelelwa efeni lomlingani ngamunye kulabo abaganene izohlukaniswa kanjani ngokuhlanganyela.

Impahla eqongeleliwe ibhekelelwa lapho umshado uphela ngenxa yesehlukaniso noma ukufa. Uma kwenzeka umshado uphela, umlingani onempahla encane eqongeleliwe unelungelo lokufaka isicelo senkokhelo kulona omunye umlingani. Isicelo senkokhelo esika-50% womehluko phakathi kwempahla eqongeleleke kumanani amafa omabili, nanoma yiliphi iphesenti njengoba kuvunyelwene ngalo yizinhlangothi zombili esivumelwaneni sabo esenziwa kungakashadwa.

Manyalo a setso le ho beha meja fatshe

  • Molao wa setso o bolela meetlo le ditshebetso tse latelwang ka tlwaelo hara batho ba MaAfrika ba Afrika Borwa mme tse thehang karolo ya botjhaba ya batho bao.
  • Lenyalo la setso le bolela lenyalo le phethilweng ho latela molao wa setso.
  • Bohadi (Lobola) bo bolela thepa kapa tjhelete, ho sa natswe hore na bo tsejwa ka hore ke lobola, bogadi, bohali, xuma, lumalo, takha, ikhazi, magadi, emabheka kapa ka lebitso le leng lesele, boo monyadi ya nyalang kapa hlooho ya lelapa e itlamang ho fana ka yona ho hlooho ya lelapa la monyaduwa jwaloka tefo bakeng sa lenyalo la setso.

 

Umuntu oganene naye uma eqhathaniswa nomlingani wakho impilo yonke

Isimo sabalingani bempilo yonke kanye nenkulumo-mpikiswano yezomthetho mayelana nencazelo “yomuntu oganene naye” kuvamise ukuba udaba olushisa ibunzi okuye kudingeke ukuba izikhwama zezimpesheni nezokuthatha umhlalaphansi zidlule kulo. Ngoko mthetho wezikhwama zempesheni, umuntu oganene naye “ngumuntu owumlingani wakho impilo yonke noma umuntu oganene naye noma umlingani welungu elishade naye ngokomthetho kahulumeni ngokuhambelana noMthetho Wezemishado, uMthetho Wokwamukelwa Kwemishado Yesintu, uMthetho Wokushada Ngokukahulumeni noma ngokwemigomo yezimfundiso zenkolo”. Kunenkulumo-mpikiswano yezomthetho mayelana nokuthi ngabe abalingani bempilo yonke bawumkhakha ozimele womuntu oganene naye noma ngabe, ukuba umlingani womuntu impilo yonke, ubudlelwane kufanele bamukelwe kumbe bugunyazwe omunye wale mithetho engenhla noma inkolo.

Sekungaqophiswana ngokuthi amagama athi “umlingani wakho impilo yonke, oganene naye noma umlingani oshade naye ngokukahulumeni” achaza ukuthi umlingani wakho impilo yonke uwumkhakha womuntu oganene naye ngokuzimele (ngokwezinhloso zoMthetho) ngoba abantu abashade ngokoMthetho Wezemishado, uMthetho Wokwamukelwa Kwemishado Yesintu, uMthetho Wokushada Ngokukahulumeni noma imigomo yezimfundiso zenkolo sebamukelwe kakade njengomuntu oganene naye ngokomthetho. Abalingani bempilo yonke bafakwa encazelweni yomuntu oganene naye ngenxa yokuthi ngaphandle kwalokho, bebengeke banikezwe leso sikhundla futhi bebengeke bafaneleke ukuthola izimali zempesheni zabantu abaganene nabo.

Ukufakwa kwabo kuleyo ncazelo ngaleyo ndlela kukhuphulela isikhundla sabo kuleso somuntu oganene naye ngenhloso yemihlomulo ehlobene nemali yempesheni. Iphuzu elisemqoka lapha ezikhwameni zezimpesheni elokuthi uma umshado ungewona owanoma yimuphi uMthetho (noma inkolo kumbe usikompilo), umuntu usengathathwa njengomuntu oganene nelungu lesikhwama uma kunobufakazi bokuthi babe ngabalingani impilo yonke. Kanti uma kungenjalo, mancane amathuba okuthi umuntu othi ungumlingani wempilo yonke ngeke futhi afaneleke ngisho ukuba wumuntu okade ondliwa yilungu ngokweqiniso okungenani maqondana nokondlana kwabantu abaganene abebekwenza emzini wabo abebehlala kuwo ngokuhlanganyela. Lokhu kungenzaumuntu afaneleke njengomuntu okade ondliwa yilungu ngezinhloso zesigaba 37C kodwa okuseqinisweni ngeke afaneleke ukuthola izimali zempesheni zomuntu aganene naye lapho eshona lowo aganene naye.

‘U-Vat en Sit’: Ukuhlalisana namalungelo asemthethweni’

  • uVat en Sit: Inguqulelo ethe ngqo yale ntetho yesiAfrikaans ithi “thatha uhlale phantsi”, okuthetha ukuthatha iqabane nize nihlale kunye ngaphandle kweemfaneleko ezihamba nomtshato.
  • Ukuhlalisana: Apho abantu ababini behlala kunye kodwa bengatshatanga.
  • Ubuqabane jikelele: Iimeko apho kuvakaliswa okanye ubukhulu becala kubekho isivumelwano esinesihlahla phakathi kwabantu ababini abangatshatanga abahlala kunye kangangethuba elide. Ngokuqhelekileyo, la maqabane abelana ngeembopheleleko, imisebenzi nezinyanzeliso ezifanayo njengezibini ezitshatileyo, zinto ezo ezisoloko ziquka umvuzo, iindleko neeaseti.