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Isibhengezo – skrolela ezantsi
ISebe lezoThutho lipapashe uMthetho-siHlomelo osaYilwayo weNgxowa-mali yeeNgozi zeNdlela wowama-2023 ukuze uluntu luhlomle.
19365 izimvo ezinikezelwe kwipalamente
Skrolela ezantsi ukujonga isishwankathelo
Yiba nelizwi lakho – lungisa isiHlomelo seRAF. [IVALIWE]
Othandekayo umseki woMzantsi Afrika, uRob Hutchinson uzimanya neqela leGlatho elitshisayo eCliff Central ukuze axoxe ngokuphuma kwamva nje kwiNgxowa-mali yeeNgozi zeNdlela … nokunye.
ISISHWANKATHELO SOMTHETHO OSAYILWAYO OLUNGISIWE KWINGXOWA-MALI YENGOZI KA-2023
ibonelelwa ngu;
Ngomhla wesi-8 kweyoMsintsi yowama-2023 iSebe lezoThutho lipapashe uyilo loMthetho osaYilwayo oYilwayo weNgxowa-mali yeeNgozi zeNdlela wowama-2023.
Ukuba idrafti yomthetho oyilwayo iba ngumthetho, amalungelo abo bonke abaqhubi, abakhweli nabahambi ngeenyawo ukuba bafune imbuyekezo ngokwenzakala kwabo kwingozi yemoto baya kuthatyathwa. Endaweni yayo iya kuncitshiswa kakhulu "iinzuzo zentlalo".
Enyanisweni kuphela izibonelelo ezilinganiselweyo eziya kuhlawulwa kwaye utshintsho luba sisithintelo esiqatha samalungelo akhoyo esiya kuchaphazela bonke abemi boMzantsi Afrika (ingakumbi abona bantu bahluphekayo). Ezinye zezona zithintelo zibalulekileyo kumalungelo akhoyo zezi:
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- Ilahleko yemivuzo
Okwangoku, ibango lelahleko yengeniso lihlawulwa ngesixa-mali. Phantsi kwenkqubo entsha abenzi-mabango baya kufumana iintlawulo zeannuity (inxenye) eziya kuthi ekugqibeleni zilingane nesixa-mali. Kukwakho nesiqinisekiso sokuba isixa-mali esihlawulwayo sixhomekeke kuphononongo lwamaxesha athile lwamatyala eNgxowa-mali. Ukuba umenzi webango uyasweleka phambi kokuba kufunyanwe i-annuities epheleleyo iintlawulo ziya kuyeka kwaye iindlalifa zabo aziyi kuzuza nto. - Intlungu kunye nokubandezeleka
Abafaki-mabango abasayi kuphinda bafumane imbuyekezo ngenxa yeentlungu, ukubandezeleka, ukonakala kunye nokothuka njengoko olu didi lomonakalo luya kubhangiswa ngokupheleleyo. - Ukukhutshwa kwimbuyekezo
- Okwangoku umenzi webango u-inshorensiwe ngokuqhuba ngokungakhathali kwemoto nokuba iqhutywa phi. Phantsi kwenkqubo entsha ingozi kufuneka ibe yenzeke kwindlela yoluntu. Ukwenzakala kwiingozi zemoto kwiindawo zokupakisha, amabala emidlalo, kwiindlela zasefama, kwiindlela zokuhamba, kwiindawo zabucala, kwiindawo zolondolozo lwezilwanyana okanye kuyo nayiphi na enye indlela yabucala azisayi kubandakanywa.
- Abahambi ngeenyawo abawela uhola wendlela nabo ababandakanywa ngokukodwa.
- Abafaki-mabango abayi kuhlawulwa ukuba batshayiswe sisithuthi esingachazwanga. Phantsi kwenkqubo yangoku, iziganeko ezibizwa ngokuba “zibethelwa kwaye ziqhube” ziyahlawulwa.
- Ngoku nabani na, nokuba ungowaluphi na uhlanga, owonzakele kwisithuthi eMzantsi Afrika ukhuselekile.
- Olu tshintsho lucetywayo lukwakhuphela ngaphandle ngokukodwa kwimbuyekezo nawuphi na umqhubi, umhambi ngeenyawo okanye umkhweli webhayisikile ngaphaya komda omiselweyo wotywala ngokusemthethweni, nokuba ngubani owenze impazamo, kunye nabaxhomekeke kubo xa benokuthi babulawe. Kusenokwenzeka ukuba eli candelo lingatolikwa njengelithetha ukuba abakhweli babantu abasele utywala nabo bangabandakanywa. Okubalulekileyo kukuba, iRAF iya kukwazi ukubuyisela inkcitho kubantu abasele utywala nokuba khange bayibangele ingozi ababandakanyeka kuyo.
- Okunye okungabandakanywayo kwimbuyekezo kubandakanya, umzekelo, iimeko apho kunokubakho ibango letyala lemveliso, abantu abonzakele ngelixa befota imuvi okanye isibhengezo kunye nabakhweli abanokuthi bahlawulelwe yi-inshurensi yetyala lomkhweli - ngaphandle kwento yokuba olo khuseleko lunokuncipha kakhulu. .
- Iindleko zonyango
Akusayi kubakho mbuyiselo yeendleko ezihlawulwa yimedical aid/inshorensi. Oku kuya kwandisa kakhulu iipremiyamu ezineziphumo ezibi kuwo onke amalungu oncedo lwezonyango. Ezi zilungiso zicetywayo zikwavala imbuyekezo kuye nawuphi na umntu ongengommi waseMzantsi Afrika okanye ongenguye umhlali osisigxina othe ngqo. Ngokwahlukileyo kwixesha langoku, onke amabango onyango exesha elizayo kuya kufuneka agunyaziswe kwangaphambili yiRAF okanye akayi kuhlawulwa. - Amabango ajoliswe kumntu obangele ingozi
Nangona olu tshintsho lunciphisa kakhulu ilungelo lamaxhoba engozi lokufuna imbuyekezo aluwavumeli amaxhoba amsulwa ukuba amangalele umenzi wobubi ngomonakalo ongafunyanwanga kwiRAF.
- Ilahleko yemivuzo
UMthetho osaYilwayo ufuna uku
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- uhlomela uMthetho weNgxowa-mali yeeNgozi zeNdlela (“uMthetho”), ka-1996 njengoko ulungisiwe, ukuze kucinywe iinkcazelo kunye nokufakela iinkcazelo ezintsha;
- ukucacisa uhlobo lweNgxowa-mali;
- ukunika isiphumo kwiziphumo kunye nezindululo zeKomishoni yeNgxowa-mali yeeNgozi zeNdlela;
- cwangcisa ngokutsha amagunya nemisebenzi yeNgxowa-mali;
- litshitshise igunya leNgxowa-mali lokuqesha ii-arhente eziza kulawula amabango;
- ukulungisa umgaqo-siseko weBhodi ngokubandakanya iGosa eliyiNtloko lesiGqeba njengelungu lesigqeba seBhodi;
- ukwenza lula uMthetho ngokususa imicimbi yenkqubo nolawulo kwimigaqo nakwiZaziso zeBhodi; ukunciphisa uxanduva lweNgxowa-mali kwiingozi zemoto ezenzeka kwiindlela zikawonke-wonke;
- isuse isibophelelo sokuba iNgxowa-mali ibuyekeze umntu wesithathu ngelahleko engeyiyo eyemali;
- ibonelele ngolungiselelo lweNgxowa-mali yeenzuzo zokwenzakala nokufa ngokuxhomekeke kwimida emiselweyo kunye nophononongo lwamaxesha athile;
- ukucacisa okushiyiweyo kubutyala beNgxowa-mali; ukwandisa ixesha phambi kokuba inzala inyuke kwibhaso;
- ukususa ilungelo lababoneleli-nkonzo lokufaka ibango kwiNgxowa-mali;
- ibonelele ngokungabandakanyiyo kuxanduva lweNgxowa-mali ngokubhekiselele kumaqela athile angaphandle kunye neemeko ezithile;
- ukungqinelanisa inkqubo yommiselo kuwo onke amabango;
- vumela ukufakwa kwamabango ngendlela yedijithali;
- ukugunyazisa iBhodi ukuba ibeke imiqathango nemiqathango yeenkqubo zamabango olawulo kunye neefomu zamabango;
- ukubonelela ngeendlela zokusombulula iingxabano kunye nokusekwa kweOfisi yoMlamli weNgxowa-mali yeeNgozi zeNdlela ukuze kupheliswe izikhalazo liqela lesithathu ngokunxulumene namabango;
- ukuhlengahlengisa amagunya oMphathiswa okwenza imigaqo;
- ukuxhobisa iNgxowa-mali ukuba yenze iintlawulo zonyaka wamabango kwaye ibeke iliso kwaye iphinde ivavanye amabango asebenzayo;
- ukuvumela ukufakwa kwamabango, egameni labamangali ngamanye amagosa;
- enze amalungiselelo okuqinisekisa ukuthotyelwa koMthetho woKhuseleko lweNgcaciso yoMntu, wama-2013;
- ukulungisa izibonelelo zolawulo lwemali kwaye zihambelane noMthetho woLawulo lweCandelo lezeMali, wama-2017;
- ukulungelelanisa iimfuno zokunika ingxelo yezemali nezibonelelo zoMthetho woLawulo lweMali kaRhulumente, ka-1999;
- ukwandisa iimfuno zokungeniswa kolwazi;
- ukulungelelanisa izibonelelo zoMthetho kunye nomthetho wamatyala; kunye, nokubonelela ngemiba enxulumene noko.
Abohlukeneyo abachaphazelekayo kumbutho wezomthetho bathi iNgxowa-mali yeeNgozi zeNdlela ikwisiphithiphithi. Bamemelele urhulumente ukuba angenelele ngokukhawuleza kwinto abayichaze njengemaxongo kule ngxowa-mali. Abachaphazelekayo bacaphule imigca emide, amabango angalungiswanga kunye nokuhlaliswa kakubi ngendlela. Ukuxoxa ngokubhekele phaya sidityaniswe nguMlawuli oyiNtloko weNgxowa-mali yeeNgozi zeNdlela, uCollins Letsoalo.