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2018-09-2714.159518.567316.5843

I-Newsletter yabahola impesheni

IPHEPHANDABA LOKWAZISA ABAHOLA IMPHESHENI
Izindaba zekota yonyaka – Julayi 2020

UMYALEZO OVELA KUMPHATHI OMKHULU I-CEO

Siyakwamukela ekukhishweni kwephephandaba lesibili lokwazisa abahola impesheni esikhwama lonyaka ka-2020.


Ngalesi sikhathi esinzima ezimpilweni zethu, lapho othola khona zonke izinhlelo zikamabonakude kanye nezinhlelo zasemisakazweni zibika ngesifo esidlangileumhlabawonke iCovid-19. Ngithanda ukufisela wonke amalunga esikhwama i-NJMPF ukuthi ahlale ephephile ngalesi sikhathi esinzima esibhekene naso. Asihlale siphephile, sivikele izwe lethu laseNingizimu Afrikha.


Lokhu nakho kuzodlula, sikholelwa ukuthi sizodlula kulesisimo, futhi sizophuma sesinamandla kunakuqala. Ngalesikhathi sesimo sezimakethe esintengayo, ngifisa ukukhuthaza wonke amalunga esikhwama ukuthi abe neso elibukela isikhathi eside esizayo, amalunga angathathi izinqumo ngenxa yesimo samanje sezimakethe esibuthaka. Izinhlelo zesikhwama zokutshalwa zabiwe zahlukaniswa kuzozonke izinhlobo ezahlukene zotshalomali ziphinde zibe nokubhekelela ubungozi obungenzeka kuzozonke izikhathi kwezotshalomali.

OKWENZEKE EZIMAKETHE KUYA KUMHLAKA-31 MASHI 2020

 

Isifo i-Covid-19 esihlasele izwe lonke sibe nomthelela omkhulu kwezezimakethe zomhlaba wonke jikelele. eNingizimu Afrikha sibonile kuba nokwehla kwezezimakethe eziphinde zaba ngaphansi kwenkulu ingcindezi, lokho kokubili kube nomthelela kwinzuzo yezotshalomali yezikhwama zempesheni.


Izimakethe bezehle kakhulu ngokuphela kwenyanga kaMashi, ngenyanga ka-Epreli zikhobise ukusimama nokuholele ekutheni singene kuMeyi sezibuyela esimweni esingcono. Okwenzeke kwezotshalomali zesikhwama i-NJMPF kuze kube ukuphela kwekota yokuqala ephele ngoMashi 2020 bekusesimweni esingu -16%. Lokhu kube nokukhulu ukwehla kwamandla, kodwa izimakethe zisimamile zaphinde zakhombisa ukwenza kahle. Ngenyanga ka-Epreli zinyuke cishe ngo-11% zishiye izikhwama zempesheni no-5% ezingaphansi ngawo kuqhathaniswa nokwenzeke ezinyangeni ezine ezedlule zonyaka.


Izinzuzo zezotshalomali zinomthelela omkhulu ekunyusweni kwezimali zabahola impesheni. Ukukhokhwa kwezimpesheni kusalokhu kuvikelekile futhi izimali zempesheni azisoze zanciphiswa, koda ukuthi ukunyuka kwemali yempesheni kungaba ukuthi kungaphansi kwezindleko zokunyuka kwamanani ezimpahla ezitolo (inflation) zesikhathi samanje, kuze kube ukuthi izimakethe ziyasimama. Ukunyuswa kwemali yempesheni kuncike ezinzuzweni zotshalomali zonyaka odlule, ngakho-ke umthelela wezinzuzo ezingezinhle zesikhathi samanje uzobonakala ekunyukeni kwemali yempesheni okuzomenyezelwa kulonyaka.


Ekulinganisweni kwezikhwama, umeluleki wesikhwama unezinhlelo zokuvikela ukwehla kwamanani ezimpahla zotshalomali, koda ububanzi bokwehla kwamanani ezimpahla kubonisa ukuthi ukunyuka kuzoba kuncane kulonyaka, nokuzoholela esilinganisweni esincane sokukhokhwa kwamabhonasi.


Izindaba ezinhle ukuthi izimali zempesheni ziqinisekisiwe ukuthi zizonyuka ngo-75% wokwenyuka kwemali yamanani ezimpahla ezitolo, ngakho-ke imali yempesheni izonyuka. Ukunezela kulokho, umthetho udinga ukuthi izikhwama zempesheni zihlale zibheka njalo emva kweminyaka emithathu ukuthi izimpahla zotshalomali zokunyusa imali yempesheni zilinganiswa ngokupheleleyo (100%) nokwenyuka kwamanani ezimpahla ezitolo kusukela selokhu zaba ezomhlalaphansi. Abahola impesheni bengahlale benesiqiniseko sokuthi, uma izimakethe zisimama, bazonyuselwa imali yempesheni ukuze kuhlangabeze ukwenyuka kwamanani ezimpahla okungabe kumenyezeliwe.

UKUNYUKA KWEMPESHENI KONYAKA

 

Isikhwama sinentokozo yokukwazisa ukuthi iBhodi lamaTrustees isigunyaze ukwenyuka komholo wempesheni ngeConsumer Price index(CPI) egcwele ewu 3% kulabo abahola impesheni kusukela mhlaka 01 Julayi 2020. Ukunyuka komholo walowo nalowo oholayo ngokwenani lomholo wakhe kuzokwenzeka kulaba abebehola impesheni kusukela kunyaka u-01 Epreli 2019 kuya ku-31 March 2020.


Sicela ukhumbule lokhu: Ukwenyuka kwemali yempesheni kanye nokumenyezelwa kwamabhonasi kuhlale kuhambisana nokubakhona kwezinzuzo ezinhle zezotshalomali esikhwameni.


Umgomo wesikhwama esizibekele wona wokwenyuka kwemali yempesheni ulingana no-75% we-CPI (okwiyinani lezimpahla zabathengi ezitolo).

UMNCINTISWANO WEZIMFONYO (MASKS) WESIKHWAMA I-NJMPF

 

Into ebalulekile ekunciphiseni isifo seCoronavirus, ukusebenzisa izimfonyo zobuso. Isikhwama i-NJMPF sethule umkhankaso – othi “uma ugqoka isimfonyo, isimfonyo siyakuvikela”.


Lomkhankaso ubugqugquzela ukuthi wonke umuntu agqoke isimfonyo uma ephuma endlini ephumela izidingo ezibalulekile zokuphila. Lomncintiswano uphinde wasiza amalunga eskhwama aba nento ayenzayo ngesikhathi se-lockdown. Sifisa ukudlulisa ukubonga ngokubamba iqhaza. Kusinikeza intokozo ukunethulela amalunga adle umhlanganiso kulomncintiswano.

Ohola impesheni: Heather Wessels 

Ilunga: Susan Roos

 

IZINCWADI ZOKWENYUKA KWEZIMALI, I-IRP5’S KANYE NESIQINISEKISO SOKUTHI USAPHILA

 

Izincwadi zokunyuka kwemali yempesheni kanye nezitifiketi ama-IRP5 aposwe kanye nencwadi yokwazisa i-newsletter. Ukubambezeleka kokuposa kuveze ukuthi ezinye izindlela zokuxhumana ezifana ne-email nezinombolo zama-cell phone kanye namakhasi obuchwepheshe besimanje (web page) kunesidingo. Abahola impesheni bayakhuthazwa ukuthi imininingwane yabo yezokuxhumana isesimweni esifanele ngoba bazobe benikezela ngenye indlela yokuxhumana.


SICELA uqinisekise ukuthi sinemininingwane yakho yezokuxhumana efanele, inamba yakho kamakhalekhukhwini, i-email address, kanye nekheli lakho lokuposa.

 I-NJMPF – ISIKHWAMA ESIHAMBA PHAMBILI EMBONINI NANGESIKHATHI SOBUNZIMA

 

Isikhwama i-NJMPF sisalokhu siwubambe njalo umgqigqo waso wokuzihola phambili izikhwama embonini. Isikhwama sakho siklonyuliswe ngemihlomulo eyisihlanu esezingeni lomhlaba wonke yonyaka ka-2020 siklonyeliswa yilezikhungo ezilandelayo:


The European
• Isikhwama sonyaka esenze kahle eNingizimu Afrikha
• Isikhwama somhlalaphansi esiphethwe kahle


Global Banking and Finance Review Awards
• Isikhwama sempesheni esinikezela ngosizo olusezingeni eNingizimu Afrikha
• Inkampani yaseNingizimu Afrikha enobuholi obusezingeni eliphezulu


Capital Finance International (CFI)
• Isikhwama sempesheni esinobuholi obusezingeni eliphezulu – eNingizimu Afrikha 2020