Riaan 
Indlela eya phansi: Njengoba abathengi namabhizinisi behla ezimeni ezinzima, abashwalensi bazwakalise ukungaqiniseki ngokuthi sikhona yini isikhala sokukhula.
I-GDP Imininingwane ekhishwe ngabeStatistics South Africa ngesonto eledlule ikhombise ukujula okungenzeka kwezinkinga zomnotho ezisazokwenzeka kulo nyaka, unyaka okulindeleke ukuthi ubekezelele ukukhula okuphansi kakhulu kusukela ekuwohlokeni kobhubhane ngo-2020.
Njengekota yesine yonyaka odlule, lapho umnotho uhlehla ngo-1.3%, ukucisha umthwalo izoqhubeka nokunciphisa ukukhula, ikhinyabeze noma yimaphi amathemba okwehlisa izinga eliphezulu lezwe ukungasebenzi isilinganiso.
Khonamanjalo, abathengi basale bekhungathekile ngenxa yokuphakama ukwehla kwamandla emali nangaphezulu amanani enzalo.
Isici esisodwa esithakazelisayo sedatha ye-GDP kwaba ukudalulwa kokuthi izinsizakalo zezezimali – umkhakha wezomnotho omkhulu wezwe – zibekezelele ukwehla kwawo okujulile kusukela ngekota yesibili ka-2020. Umkhakha, owehle ngo-2.3%, nawo ube yimpumelelo enkulu ekukhuleni kwekota yesine. wangonyaka odlule, ikakhulukazi ngenxa yokwehla kwezomnotho ekuxazululeni izimali, uxhaso lwempesheni kanye nomshwalense.
Amaphuzu obuthakathaka kulo mkhakha adalula izinga lobunzima kumabhizinisi kanye nabathengi phakathi kwezivunguvungu zakamuva zokuwohloka komnotho, ezisabisa ngokuphatha imali engenayo yamakhasimende awo adonsa kanzima.
Kuleli viki, Old Mutual ibe umshwalense wakamuva wokuhlaba umkhosi imiphumela yesikhathi eside sokukhula okuncane kanye nokwenyuka kwamandla emali ebhizinisini layo.
Iholo le-Old Mutual linyuke ngo-10% laya ku-R7.9 billion ngonyaka ophele ngoDisemba 2022, ngokwemiphumela yezimali yaleli qembu, ekhishwe ngoLwesibili. Kepha isikhulu esiphezulu u-Iain Williamson uveze izimo zomnotho ezinzima ezehlisa amakhasimende ayo kanye namandla emboni yokukhula.
Uveze ukuthi umnotho ubekezelela izingqinamba eziningi kusukela ubhubhane lweCovid-19 luhlasele, okuhlanganisa nomnotho 2021 izingxabano zomphakathingonyaka odlule okudabukisayo izikhukhula KwaZulu-Natal, ukwehla kwamandla emali okuphakeme, inzalo ephakeme kanye nokucishwa kukagesi okukhulu. Lezi zici, okuhlanganisa nokuhamba kancane kokululama komsebenzi, zibe nomthelela omubi ekukhuleni kweholo langempela, waphawula.
“Le ngcindezi eyehlayo yokukhula kwemali engenayo engasetshenziswa, kuhlangene nokuzethemba okudangele, kwenze kwaba nzima kumakhasimende ukunakekela noma ukukhulisa iminikelo yawo ekuvikeleni, ekongeni nasemikhiqizo yokutshala imali.
“Ukukhula kwamakhasimende ethu kanye namazinga emali engenayo nawo abe nomthelela omubi,” kusho uWilliamson.
Ingxenye yezezimali kanye nokuphathwa kwengcebo yakwa-Old Mutual ibonakale ithinteke kakhulu, njengoba inani lebhizinisi layo elisha lehle ngo-47% ngonyaka odlule uma kuqhathaniswa no-2021.
“Umthelela oqhubekayo wesimo somnotho omkhulu emandleni amakhasimende ethu okugcina noma ukwandisa ukuvikeleka, ukonga kanye nemikhiqizo yokutshalwa kwezimali kuzohlala kuyinselele ngo-2023,” kuphawula imiphumela yakwa-Old Mutual. “Sizoqhubeka nokugqugquzela umsebenzi wokuthengisa kanye nengxube efanele kwezezimali zomuntu siqu ukuze sisheshise ukukhula kwamasheya emakethe.
“Kodwa-ke, kunokungaqiniseki okukhulu ngokuthi imakethe yezimboni izokhula yini esimweni samanje somnotho.”
Lesi sitatimende sika-Old Mutual siza ngemuva kwesonto I-Momentum MetropolitanImiphumela yesikhashana, ebiqukethe ukukhathazeka okufanayo mayelana nekhono layo lokukhula phakathi kwezivunguvungu ezinzima zezomnotho.
Umshwalense ubike ukuthi iholo lenyuka ngo-46% emalini etholwayo elijwayelekile laya ku-R2.2 billion ezinyangeni eziyisithupha eziphele zingama-31 kuZibandlela wezi-2022 kanti inzuzo yawo iphindeke kabili yafinyelela ku-R1.9 billion ngalesi sikhathi.
Kodwa ukukhula kwaleli qembu kukhinyabezwe ubuthakathaka emalini etshaliwe kanye namabhizinisi okungewona awomshwalense wempilo. I-Momentum Investments, ngokwemiphumela, ibike amaholo aphansi okusebenza, ikakhulukazi ngenxa yemali engenayo encishisiwe endaweni yayo ye-Momentum Wealth, eqhutshwa amanani aphansi ebhizinisi amasha kanye nokusebenza okubuthakathaka kwezimakethe.
Iqembu liphinde labika ukuthi inani lamanje lamaphrimiyamu amasha ebhizinisi lehle lafinyelela ku-R33.3 billion, ngaphansi ngo-10% kunesikhathi sangaphambili. I-Momentum Investments ibone ukwehla okungu-17% enanini layo lamanje lamaphrimiyamu amasha ebhizinisi phakathi kwenani eliphansi lebhizinisi elisha kuzo zombili izinkundla zengcebo zasekhaya nezamazwe ngamazwe.
“Njengomkhuba ojwayelekile, izimo zomnotho ezinzima zibonakala zinomthelela omubi kakhulu,” kuphawula imiphumela.
Ingcindezi yakamuva ngamavolumu okuthengisa iyinkinga, yengeza inkampani.
“Imali etholakalayo ihlezi ingaphansi kwengcindezi ngenxa yokwenyuka kwezinga lenzalo kanye nokwehla kwamandla emali, kanye nokungakhuli komnotho eNingizimu Afrika. Lokhu kungenzeka kubeke ingcindezi eqhubekayo yokungakwazi ukukhokhela amanani amasha ebhizinisi, ikakhulukazi ekongeni isikhathi eside nasebhizinisini lokuvikela. “
Isikhulu esiphezulu seMomentum Metropolitan, uHillie Meyer, sikhombise lokhu kushuba emiphumeleni edidiyelwe yaleli qembu ngonyaka odlule, sathi: “Ngikhathazekile ngesimo senhlalo nepolitiki esibhekene nezwe futhi kuzoba nzima kakhulu ukukhulisa imali engenayo ngaphandle kokukhula komnotho okuphusile. ”
Kunzima ukuhlanganisa izinombolo ze-GDP zekota yesine kanye nemiphumela yezezimali eqinile ngokuvamile ebikwe izinkampani ezisembonini yezinsizakalo zezezimali, kuphawulwe. Patrice Rassouisikhulu sokutshalwa kwezimali ku I-Ashburton Investments.
“Ngakho-ke zisakhula … Kodwa lapho sibona khona uhlobo oluthile lwezinkinga ezisemaphethelweni aphansi emakethe, imakethe enkulu. Kunezimpawu ezithile zokuvela kobunzima, lokho kucace bha. Uma ubheka izinkampani zomshwalense, imboni yezinkampani isiluleme kanti nephezulu isibuyile, ongayibona ngezinombolo zeDiscovery,” kusho uRassou.
I-Discovery, ebhekelela ekupheleni kwemakethe, ibike ukweqa kwebhizinisi elisha ngo-15% ezinyangeni eziyisithupha kuya zingama-31 kuZibandlela.
“Ngakho-ke, akuwona umfaniswano. Kufanele ubheke izingxenye ukuze ubone ukuthi kwenzakalani ngempela.”
Izivunguvungu embonini yomshwalense ziyinkimbinkimbi futhi zihlanganisa ukuntengantenga okuqhubekayo emakethe yokutshala izimali ngemuva Impi yaseRussia e-Ukrainekusho uNishen Bikhani, uzakwethu e I-KPMG yaseNingizimu Afrika. Ngaphezu kwalokho, ukwenyuka kwamandla emali kanye namanani aphezulu kagesi kube nomthelela omubi kubathengi asebenezinkinga.
UBikhani uthe likhulu igebe eNingizimu Afrika phakathi kwalabo abakwazi ukukhokhela umshwalense wokuvikela nalabo abangakwazi.
Idatha yakamuva ibonise izinga lengcindezi kubathengi phakathi kwezimo zezimali eziqinile. Ingxenye ebizwa ngokuthi i-mass segment, ngokombiko we-Eighty20 wokucindezeleka ngezikweletu wekota yesine yonyaka odlule, ibone ibhalansi yekhadi labo lesikweletu ibe ngu-R2.5 billion ngonyaka odlule – okubonisa ukukhula kokuthembela esikweletu uma uthenga nsuku zonke.
Izitolimende zemalimboleko ezimaphakathi zalesi sigaba zithathe ngaphezu kwengxenye eyodwa kwezintathu yemali engenayo yanyanga zonke.
Isigaba esiphakathi siphinde sibhekane nengcindezi eyengeziwe. Isamba sesisonke sesilinganiso sesilinganiso sesitezulu semalimboleko semali engenayo senyuke ngo-7.4% ngonyaka odlule futhi manje sesiku-69.4%. Lokhu kusho ukuthi ngaphezu kwezingxenye ezimbili kwezintathu zeholo eliphakathi nendawo liya ekukhokheleni isikweletu, kuphawulwe inkampani yokuhlaziya idatha.
Isikhulu soMshwalense wakwa-KPMG i-Outlook igqamise ukuthi izinkampani zomshwalense zimatasatasa nokuhlela ukubhekana nezingcindezi abathengi ababhekana nazo, ngokusho kukaBikhani.
“Abaphathi bomshwalense bazilungiselela bona kanye nezinhlangano zabo ukubhekana nezinselelo ezikhona manje zezomnotho kanye nezepolitiki ngenkathi bebheka ukuthi bangawunciphisa kanjani umthelela wokwehla komnotho,” esho. Ngenxa yalesi sizathu, u-Bikhani ukholelwa ukuthi ukusebenza komshwalense kuzohlangana, nakuba kungase kuqhubeke nokubona ukushaya esikhathini esifushane kuya esiphakathi.
NgoNovemba, i- IBhange Lombuso laseNingizimu Afrika okumakwe ukukhula komnotho okuhamba kancane nokungalingani njengengcuphe ekuzinzeni kwezezimali, kuphawulwe ukuthi ukuntuleka kwemisebenzi kanye neholo elincane kuqeda isidingo sezinsizakalo zezezimali, izikweletu kanye nokufinyelela ezezimali.
Inqubekelaphambili elinganiselwe ekuqaliseni izinguquko zesakhiwo ishiya umnotho usengozini esikhathini eside sokukhula okubuthakathaka, nokungalingani, kuphawulwe ukubuyekezwa kokuzinza kwezimali kweBhange Lombuso.
NgoJanuwari, i-Reserve Bank yethule umbono ongemuhle wendlela yokukhula kwezwe, yabikezela ukukhula nje ngo-0.3% kulo nyaka. Yize isibikezelo somgcinimafa besingcono kancane, sisabikezela ukukhula okungu-0.9% kulo nyaka.
Ukukhula okungalingani futhi kuphakamisa “ingozi yezinqubomgomo ezithandwa ngabantu kanye nokungazinzi kwezenhlalakahle, okungase kube nomthelela omubi ekuthembeni kwabatshalizimali, izindleko zokuxhasa ngemali, izicelo zomshwalense kanye nezindleko zokusebenza”, kusho i-Reserve Bank.
