Ukuhweba ngamakhophi kunganikeza kanjani indlela yokufunda yesikhashana enhle kakhulu yabahwebi abanenkinga yokuzethemba, noma yokwenza inzuzo, noma kokubili
Ukukopisha ukuhweba kuyinto entsha ezweni lethu lokuhweba futhi ngenxa yalokho kusengaqondakali kahle futhi kuvame ukwenziwa kabi. Inqubo nenqubo kuqondile kakhulu; abathengisi abaningi, abanikela ngezinsizakalo zokuhweba ngamakhophi, banebhodi labaholi labathengisi bamakhasimende abathathe isinqumo sokuhlanganyela umlando wabo wokuhweba, ngemali encane ngokuhweba ngakunye komhwebi ngamunye, obese ethatha isinqumo sokubalandela ngokubeka imisebenzi efanayo. Lapho umhwebi ephumelela ngokwengeziwe ebhodini labaholi (ngomqondo) abalandeli abengeziwe abazoba nabo futhi nempumelelo engaphezulu abazoyithokozela ngokwamakhomishini abo ngohwebo olulandelayo abalwenzayo.
Isilingo sokushiya izindlela namakhono okuhweba esikuchithe mhlawumbe iminyaka sithuthuka, sithanda ukulandela umuntu othile ebhodini lomholi, singaba namandla kakhulu. Ngemuva kwakho konke, laba baholi ebhodini kumele babekhona ngesizathu futhi ngeke kwehluleke. Kodwa-ke, ebhodini lomholi kungaba nabadayisi abajabulele ukukhushulwa kwesikhathi esifushane ngokusebenzisa ubungozi obukhulu. Isibonelo, uma umhwebi omusha wesevisi yamakhophi ebeka engcupheni ama-30% we-akhawunti encane kakhulu futhi ukubheja kukhokhwe kabili ochungechungeni lokhu kungaba nomthelela omkhulu emlandweni wabo wokuhweba wesikhathi esifushane. Ngamafuphi bangakhuphuka ngokushesha ebhodini labaholi futhi babonakale beheha kakhulu kubahwebi abasha, abangenalwazi abafuna umholi abazomlandela. Ngakho-ke umthwalo wethu uphezu kwethu wokuhlaziya abaholi kunoma iyiphi insizakalo yokukopisha esingacabanga ukusebenzisana nayo.
Ukwehlukanisa okuhle, okubi nokubi kakhulu kunketho yethu yokuhweba ngamakhophi kudinga ikhono elincane lokuhlaziya futhi ngezindlela eziningi kungukuzivocavoca okusobala ukuthola lokho okufanele ngabe sikufuna ngezinyathelo ezine ezilula.
* Okokuqala kufanele ukuthi sifune umhwebi ebhodini onomlando wonyaka noma ngaphezulu.
* Okwesibili, kufanele ngabe sifuna umhwebi ongazibeki engcupheni eyeqile.
* Okwesithathu, kufanele ngabe sifuna umhwebi owenza inzuzo efanelekile, hhayi eyejwayelekile.
* Okwesine, kufanele ngabe sifuna umhwebi ogcine ukwehla kwabo kwaba sezingeni elizwakalayo.
Zikhona ezinye izindlela kodwa lezi ezine kufanele kube yindlela yethu yokucinga eyinhloko. Ngakho-ke umholi wethu ofanele kungaba ngumuntu osesigungwini unyaka okungenani, okungenzeka ukuthi uhlangabezane nokwehla okungu-15% kuphela, okubeka engcupheni engekho ngaphezu kwamaphesenti amabili ukuhweba ngakunye futhi kubuyise imali efinyelela ku-100% ngonyaka. Ngabe leyo nqubo ifundeka njengohlu olujwayelekile? Kufanele ikwenze ngezindlela eziningi kuyiphrofayili yomthengisi 'ephelele' esivame ukubeka ibhere kuyo le bhulogi yokuhweba ezihlokweni ezingenakubalwa eminyakeni edlule.
Ngakho-ke, uma singumhwebi sicabanga ukulandela umholi, kungasiphi isigaba sokuthuthuka komhwebi wethu lapho kufanele singene shi khona? Ngabe kufanele silandele abaholi ekuqaleni kohambo lwethu lomhwebi, lapho sesisesigabeni esiphakathi kolwazi lwethu, noma lapho sinolwazi oluphelele kepha sihlupheka ngumhwebi ophansi ngenxa yezizathu ezahlukahlukene? Noma ingabe lezi zinsizakalo zifanelekile kunoma yikuphi okuhlangenwe nakho kwakho futhi kusebenza kakhulu kubahwebi abampofu ngesikhathi? Akunampendulo ecacile njengoba yonke imininingwane ebaluliwe inokwethenjelwa. Kodwa-ke, sizogxila esicini esisodwa saleli thuba ngokusebenzisa ukuqagela okuthile.
Sizocabanga ukuthi umhwebi wethu unolwazi oluthile, usungule isu eliqinile lokuhweba jikelele, manje abazibophezele kulo ohlelweni lwabo lokuhweba ngezinhlamvu, kepha ngandlela-thile balahlekelwe indlela muva nje futhi bahlukumezeka. Futhi ngemuva kokuhlukumezeka bese beqala ukuhlaziya isu labo, balungise futhi bashintshe indlela yabo, kepha futhi lapho bejoyina kabusha imakethe bayaqhubeka nokulahlekelwa. Ngakho-ke banquma ukuyeka ukuhweba isikhathi esithile ngenkathi bezama ukulungisa izingxenye eziphukile zalokho okwakunguhlelo olwalunqoba ngaphambili. Lesi yisikhathi esihle sokucabanga ukuhweba ngamakhophi ngezizathu ezahlukahlukene:
* Izonikeza ushintsho oluqabulayo.
* Inikeza ithuba lokusondela eduze nangobuhlakani ngenqubo yomunye umuntu.
* Sithola ukuhlaziya ukusebenza kwabanye abahwebi.
* Sithola ukubuka konke okwesabekayo kwemakethe yonke kanye nendlela umkhakha ophokophele kuyo.
Lapho sesinqume ukuthi umholi angalandelwa yibhodi yabaholi bokuhweba abazolandela, ngokuya ngemibandela ebesiyiphakamisile phambilini, kusamele siqhubeke ngokuqapha okukhulu. Izibalo zomthengisi ngokusobala zizobonakala, ngakho-ke asikho isidingo sokubuza ukuthi kungenzeka yini imininingwane ephathelene nokusebenza, kepha oNkk bethu abathathu bokuphathwa kwemali, ukusetha umqondo nendlela okufanele basabambe iqhaza ekuthathweni kwezinqumo zethu.
Noma silandela indlela yomunye umuntu kufanele sinake kakhulu udaba olusemqoka lokuphathwa kwemali futhi silawule ubungozi bethu buncane. Kufanele siqale ngokubeka izinga elisha lokudonsela phansi ngezibalo ezilodwa futhi sinciphise ubungozi bethu ngokuhweba ngakunye, kwehle okungenani kube ngaphansi kwephesenti elilodwa, kuze kufike ezansi njenge-0.2% ngenkathi sihlola abadayisi bebhodi labaholi. Futhi ngenkathi sifihla isu ngemali yangempela kuma-akhawunti ethu abukhoma kufanele sizame ukwembula inqubo yabo ukubona ukuthi iyafana yini nemibono yethu.
Isibonelo, uma silandela isu lokuhweba le-swing kwezokuphepha okuthile singabheka amaphuzu wokungena nokuphuma lapho singena futhi sivale ukuhweba kwethu okuzenzakalelayo ukubona ukuthi amasiginali ahlangana nanoma yiziphi izinkomba ezisetshenziswa kakhulu esibhekisa kuzo ku “umkhuba usengumngani wakho na?” ikholomu yokuhlaziywa komkhuba masonto onke. Ngale ndlela singabona ngokushesha ukuthi isu lethu langaphambilini laliseduze kakhulu nelomthengisi wamakhophi esifisa ukulandela ibhodi labaholi.
Ngemuva kwalokho sinezinketho ezimbili eziyinhloko; hlala nomthengisi wamakhophi uma uphumelele, noma uphinde uthengise 'incwadi yethu'. Noma inketho yesithathu ukubuyela ekuthengiseni incwadi yethu kepha ukusebenzisa inani elincane kakhulu le-akhawunti yethu yonke ukuqhubeka nokulandela othile ovela ebhodini labaholi. Ngandlela thile lokhu kungaba yisixazululo esihle kakhulu futhi kusikhumbuze ukuthi kwesinye isikhathi, lapho kubukeka kumnyama kakhulu ezweni lethu labadayisi, ilanga selizophuma.
« Ama-bourows ase-USA avale kancane yize kwakukhona imicimbi yezindaba enomthelela omuhle kakhulu Ukushoda kwezohwebo kwe-UK kuya ngokuya kuba nzima futhi kuphuthelwa okulindelwe ngebanga elithile njengoba i-GDP yase-UK ingena ngo-0.7% ngekota »
