Riaan 
Kube nezindaba ezinhle ezilinganiselwe kuma-SME enkulumweni yesabelomali, kodwa amabhizinisi amancane kusafanele onge noma yikuphi lapho akwazi khona ukuze aqinisekise ukuthi awehluleki, ikakhulukazi njengoba umbono womnotho wesikhathi esimaphakathi uwohloka esimweni esinzima sasekhaya nesomhlaba, ngenkathi ukukhula kwangempela kwe-GDP ilinganiselwa ku-1.4% kuphela ukusuka ku-2023 kuya ku-2025.
Ngakho-ke amabhizinisi amancane kufanele enze okusemandleni awo ukuze adlule ezikhathini ezinzima, kusho uJason Mellow, inhloko yeMiWay Business Insurance.
“Kube khona amaphuzu avelele esabelweni sezimali ama-SME angakwazi ukuwasebenzisa kuso ohlelweni olusha lwezimali, njengokungakhushulwa kwentela okukhulu, kanye nephakethe elisha lokuxhaswa kwezimali ukusekela ukusetshenziswa kwamandla avuselelekayo.”
Ungqongqoshe Wezezimali Enoch Godongwana uthe enkulumweni yesabelomali lapho ememezela ukuthi amabhizinisi azokwazi ukwehlisa imali engenayo ekhokhiswa intela ngo-125% wezindleko zokutshalwa kwezimali ezintweni ezivuselelekayo, ngeke kube khona umkhawulo ngosayizi wamaphrojekthi afanelekile kanye nesinxephezelo sizotholakala iminyaka emibili ukuze kugqugquzelwe ukutshalwa kwezimali esikhathini esifushane.
Uphinde wathi izinguquko ku-Bounce Back Loan Guarantee Scheme kuhlongozwa ukuthi kugqugquzelwe amandla avuselelekayo, amandla elanga ophahleni kanye nokubhekana nezingqinamba ezihlobene nogesi ezitholwa amabhizinisi amancane naphakathi nokuthi uhulumeni uzoqinisekisa ukubolekwa kwemali ehlobene nelanga emabhizinisini amancane naphakathi nendawo ku-20. % isisekelo sokulahlekelwa kokuqala.
Ngaphezu kwalokho, umemezele ukuthi ukuze kudambise umthelela wenkinga kagesi ezindlekweni zokudla, ukubuyiselwa kwemali yentela ye-Road Accident Fund kadizili osetshenziswa uma kwenziwa uhlelo lokukhiqiza, njengamajeneretha, izodluliselwa nakubakhi bokudla kulezi zinyanga ezimbili ezizayo. iminyaka.
U-Mellow uthi lezi zinyathelo zinikeza impumuzo elinganiselwe kuma-SME alwa ukuze asinde ekucishweni kukagesi nezinye izinselele. Unikeza lawa macebiso ukusiza amabhizinisi onge.
FUNDA FUTHI: Inkinga yamandla ‘iyiva’ lamabhizinisi amancane
Izilawuli zezindleko ze-SME
Ukugcina izindleko ziphansi ngangokunokwenzeka kungenye yezindlela ezingcono kakhulu zokusinda ezikhathini ezinzima zomnotho. Kodwa-ke, izinyathelo ezijwayelekile, njengokudiliza abasebenzi kanye nokunciphisa ama-overheads akuyona indlela engcono kakhulu yokufeza lokhu.
“Ukusebenza ngobuhlakani nokuthola ukwesekwa okungcono kakhulu kunganciphisa izindleko futhi kukhuphule ama-margins ngempumelelo.”
Uthi ngokwesibonelo, ukuhlala uthobela imithetho yentela, imithetho yezabasebenzi kanye nemithetho yobumfihlo bedatha, efana ne-POPIA kusho ukuthi uzogwema izinhlawulo, izinhlawulo kanye neminye imiphumela ebizayo yokungathobeli imithetho kanye nokwesekwa kwe-IT, ukuvikeleka ku-inthanethi, abeluleki bezabasebenzi kanye nochwepheshe bentela, Ama-SME angaqinisekisa ukuthi uhlala uthobela futhi agweme izindleko ezingalindelekile.
Nakuba amandla ahlukile abalulekile ukuze ama-SME aqhubeke nokusebenza, ukusebenzisa amajeneretha edizili nsuku zonke akusona isixazululo esingabizi kakhulu esikhathini eside.
“Manje kungase kube yisikhathi esihle sokuthi ama-SME asebenzise izinzuzo zentela ezimenyezelwe enkulumweni yesabelomali ukuze abheke amandla kagesi elanga ophahleni. Bangakwazi futhi ukusebenzisa igesi, amabhethri ayisipele nama-inverter, noma bacabangele ukuthuthela ezakhiweni ezinikeza amandla angaphazamiseki kubaqashi.”
Ukudiliza noma ukuxosha abasebenzi ukuze kwehliswe izindleko nakho kungabiza futhi kungakhiqizi kahle.
“Kunezindleko eziqondile ezihlobene nokunqamula izinsiza zesisebenzi, kanye nokuqasha nokuqeqesha isisebenzi esisha esikhathini esizayo.”
U-Mellow uxwayisa ngokuthi kwamanye amabhizinisi, ukunqanyulwa kungase kubangele isenzo esibizayo sabasebenzi kanye nesikhathi sokungasebenzi.
“Okubalulekile wukuthi ukugcina abasebenzi abasezingeni kuzohlomulisa amabhizinisi ngokuhamba kwesikhathi. Ukuba nensiza yokusebenza kwamasu kanye nezeluleko zakwa-HR nakho kungakonga izindleko ezingenasidingo zebhizinisi lakho.”
I-Smart IT ingathatha umthwalo wokuphatha kumnikazi webhizinisi elincane ngokwenza imisebenzi evamile, edla isikhathi ekugcineni ebiza imali. Kodwa-ke, uthi, ama-SME awadingi ukwakha noma ukukhulisa amaqembu abo e-IT ukuze azuze i-IT engcono, kodwa adinga nje ukusizakala ngezinsizakalo zokusekela eziphuma ngaphandle.
U-Mellow uveza ukuthi ukumaketha nokukhangisa kubaluleke kakhulu ekukhuliseni nasekugcineni izisekelo zamakhasimende futhi akufanele kwehliswe ngesikhathi sokuncisha imali.
FUNDA FUTHI: Zimisele ukudela isithandwa sakho ukuze ube usomabhizinisi oqeqeshiwe
Ama-SME angakuthola kuphi ukwesekwa?
Kunezinhlelo ezimbalwa ezikhona zokusiza futhi izinhlangano ezimbalwa ezinkulu zemboni ezimele ziye zasukuma ukuze zinikeze ama-SME usizo nokwesekwa, okuhlanganisa amanethiwekhi omakhalekhukhwini anikeza izinqwaba ezincintisanayo namanani, amabhizinisi amakhulu akhulisa ama-SME ngaphansi kwezinhlelo zawo ze-CSI kanye ne-Enterprise Supplier Development (ESD) namabhange. kanye nezinkampani zomshwalense ezihlinzeka ngezinsizakalo zokweseka ukusiza ama-SME aqhube amabhizinisi abo ngempumelelo.
I-MiWay inensizakalo yokwesekwa kwebhizinisi ye-MiBusinessAssist enikeza ukwesekwa ngokubambisana ne-Digicall, ukusiza ukwehlisa izindleko zokusebenza ezingadingekile kumabhizinisi amancane naphakathi nendawo. Bahlinzeka ngezinsizakalo ezikhethekile zokusekela amabhizinisi angasiza ekwehliseni umthwalo kuma-SME aseNingizimu Afrika, anikeze izinzuzo ezifana nokufinyelela ku-IT nobuchwepheshe bokumaketha, iseluleko sezomthetho nezabasebenzi, iseluleko sezezimali kanye nosizo lwamahhovisi.
