Pula Imvula December 2020

MADE POSSIBLE BY

THE MAIZE TRUST

UKUGQUGQUZELEKA KWALE ATHIKHILI KWA-

FAKELWA UGQOZI YI-ATHIKHILI EYABHALWA

NGU- ANDRIES WIESE – ‘IZINKINGA ZEZEZIMALI

ENINGIZIMU AFRIKA ZILI-AFEKTHA KANJANI

IBHIZINISI LAKHO,’ EYASHICILELWA KU-

FARM-

ER’S WEEKLY

NGOMHLA KA-29 NOVEMBA 2019. IZINKINGA

OKWAKUXOXWA NGAZO KWABA UKWEHLA KWAMA-

NDLA EMALI YANGENISWA KUVOBE, UKUBIZA KAKHULU

KOKUBOLEKWA IMALI NGENXA YOKUNGENA KUVOBE,

ITHEMBA LABATSHALI ZIMALI KANYE NE-

CAPITAL OUT-

FLOWS

. OMUNYE ANGAPHINDA ENGEZE NANGEZINGA

LOKUKHULA KANCANE NOMA I-

GDP

NJENGENKINGA.

Kusewunyaka owodwa nje vo, kodwa obekubikezelwa kule-athikhili

sekufezekile. Izinga lerandi lehlile okusho ukuthi amandla erandi aphansi

nokwenza amanani entengo yemikhiqizo ethengwa emazweni angapha-

ndle akhula, njengama-

input

ethu amaningi ezokulima. INingizimu Afrika

ifakwe esigabeni sikavobe. Lokhu kusho ukuthi abatshalimali emhlabeni

wonke jikelele babheka iNingizimu Afrika njengenobungozi ekutshaleni

izimali. Lokhu ku-afektha ithemba labatshali zimali, abakuleli nabakwamanye

amazwe, eNingizimu Afrika kubi ngoba abatshali zimali abanaso isiqiniseko

sokuthi bazoyithola imbuyiselo enhle kwabakutshalile nokuthi kazi bayo-

buyiselwa imali yabo yini.

Ngasekuqaleni konyaka kwaphinda kwenziwa isimemezelo sokuthi

iNingizimu Afrika isesigabeni sikavobe ngenxa yokuthi i-

Gross Domestic

Product

isesimeni esibi. Uma kuqhathaniswa nebhizinisi lokhu kusho ukuthi

izwe aliyenzi inzuzo – imali engenayo incane kunaleyo ephumayo. Ngakho

ke, iningi imali okudingeka ibolekwe okuze kukhokhelwe zonke izindleko

zikahulumeni ezifana namaholo. Ngokwebhizinisi lokhu kuwuphawu lokwe-

hluleka ukuphatha ngokufanelekile.

Ngaphezulu kwalokho, sesiphinde sahlaselwa yilolu bhubhane lwe-

corona

variyasi kanye nomphumela we-

lockdown

. Ngaphandle kwezinse-

lela ezidalwe umvalelandlini i-

lockdown

, njengoba kubaluliwe ku-athikhili

yaphambilini (

Pula Imvula

Septhemba 2020) kanye nezinkinga ezibalulwe

endimeni engenhla, isithombe esimfiliba kakhulu sokukhwabanisa izimali

zokusiza mayelana negciwane le-

corona

zindlaleka. Ukukhwabanisa ku-

afektha umbono weNingizimu Afrika evele isibukeka kabi mayelana no-

kutshalwa kwezimali.

Lawa amabhola amagwini ambalwa aphonselwa abalimi bethu

abambalwa, amakhulu noma amancane. Mayelana nokuphathwa

kwebhizinisi lakho lokulima ubhekana nawo noma ubhekane nala

mabhola noma ukugwinja. Inselelo ukuthi onke la mabhola agwinjile

angale kokulawuleka kwanoma yimuphi umlimi, angamafektha enga-

phandle.

Ngokuphathekayo, umthelela walezi zinkinga epulazini kamafushane

nje awukuthi ama-

input

athengwa emazweni angaphandle afana nophe-

thiloli, amakhemikhali, omanyolo nemishini sekubiza kakhulu, izimali ezi-

bolekiwe zibiza kakhulu futhi, nezimali okufanele izitshalwe ebhizinisini

lakho ziyagqoza. Ngakolunye uhlangothi, kuyiqiniso futhi ukuthi ukwehla

kwamandla erandi kuveza ithuba lokuthumela impahla kwamanye ama-

zwe uma kungenzeka.

Asethembe nokho futhi sizilungiselele ukubhekana nala ma-

bhola agwinjile sibheke inhlanhla eza nalokhu. Omunye angalivikela

iwikhethi lakho esikhundleni se-

bowled out

. Asikwazi ukungabunaki

ubungozi obubandakanyekayo uma ubhekene nobunjalo, kodwa

kungaba yinto engasiphaphamisa. Kungaba yinto ewusizo ukubhe-

kana nalamabhola abaziwe ukuze uhlale ungumlimi wesikhathi eside.

Abantu kufanele badle.

QINISEKISA UKUTHI IZINYATHELO ZIMI NGOMUMO

Ukubhekana nalezi zingqinamba faka amagilavu nomakalabha bese

uthatha i-

bat

yakho:

• Qinisekisa ukuthi

unesistimu efanele yokugcina amarekhodi

uku-

ze ukwazi ukuhlola izimo zezimali zepulazi lakho ngokufanelekile.

Ukusebenzisa umthetho wokucophelela wokulima kuzokusiza uku-

qinisekisa amarekhodi nokunikeza ulwazi olungcono.

• Phatha i-

cash-flow

yakho ngokukhuthala ngokusebenzisa

ibhajethi

ye-

cash-flow

ikakhulukazi mayelana nokuthengwayo. Qaphelisi-

sa ngokuthenga e-

spur

sangalesi sikhathi ikakhulukazi uma kuza

ezimpahleni ezibizayo (Imishini, ama-implimenti). Isipesheli akoso-

na isipesheli njalo. Ngaphandle kwe-

cash-flow statement

efanele

ngeke ukwazi ukulawula i-

cash-flow

ngokufanele.

• Lawula izindleko zakho zangasese noma izindleko zasekhaya – kuyasi-

za kakhulu futhi uyacebiswa ukuthi ube nebhajethi yakho ehlukile

eqondene nalezo zindleko. Ungaphili impilo engale kwemali ongaba

nayo.

• Lawula izindleko zakho nama-

input

ngokweplane lebhizinisi lepulazi

futhi uthathe izinyathelo zokunciphisa izindleko. Ngokwe-

proper

income statement

, ungakwenza. Qinisekisa ukuthi isebenzisa

ikhwantithi efanele yama-

input

njengoba uyaliwe/noma kuhleliwe.

• Hlola isimo sezimali zebhizinisi lakho lezolimo ngendlela. Sebenzisa

balance sheet

futhi ubhekisise kahle nezikweletu zakho. Isikweletu

asiyena umngani wakho futhi izikweletu eziningi zibawisile abalimi

abaningi. Njengamanje amazinga enzalo aphansi ngenxa yalolu

bhubhane, kodwa ungakubheki lokhu njengethuba lokuboleka imali

eningi. Amareythi azophinda akhuphuke esikhathini esizayo. Uma

kwenzeka uba naso ngempela isidingo sokweboleka imali, xoxisana

ngokukhokha inzalo ephansi kakhulu.

• Hlola izindlela zakho zokukhiqiza. Lima ngemvelo futhi wenze ngco-

no impilo yenhlabathi yakho. Aplaya imigomo yokulima ngokonga

phecelezi

conservation

farming

, lokhu kuzokusiza ekunciphiseni

izindleko zakho zokukhiqiza.

• Okubaluleke kakhulu – ngabe unayo i-

business plan

elungile?

ISIPHETHO

Ezinye izinyathelo ezibaluliwe kuxoxiwe ngazo kuma-athikhili apha-

mbilini ngokwama-engela ahlukene kodwa ukuphindaphinda kugci-

zelela ukubaluleka kwalezi zinyathelo. Ungakhohlwa ukuthi usizo

lokuhlola ibhizinisi lakho kabusha lukhona. Sebenzisa ubuchwephe-

she obutholakalayo ebhizinisini lezolimo nasezikhungweni ezifana

ne-Grain SA.

BHEKANA NEZINKINGA ZEZEZIMALI

eNingizimu Afrika

U-Marius Greyling, umbhali

wePula Imvula. Thumela i-imeyili

ku-mariusg@mcgacc.co.za