• Abesifazane abane basebenzise istokfela sokudla iminyaka engu-13 ukuthenga ukudla okuningi, okusiza imindeni yabo ukuthi imelane nokukhuphuka kwezindleko zokuphila eNingizimu Afrika.
• INingizimu Afrika inezitokfela ezingaphezu kuka-800,000, lapho abantu abacishe babe yizigidi ezingu-11 begcina futhi besebenzisa imali engaphezu kuka-R50 billion minyaka yonke.

Uma uGloria Masingita Maluleke ebheka ikhabethe lakhe lokudla, ubona okungaphezu nje kwezikhwama zempuphu nelayisi.

Ubona ukuthula kwengqondo.

Lesi sisebenzi sezimo eziphuthumayo saseTsakane sithi ukujoyina i-stokvel kuye kwasiza umndeni wakhe ukuthi umelane neminyaka yokukhuphuka kwamanani okudla kanye nobunzima bezimali.

UMaluleke wasungula i-Togetherness Ladies Stokvel ngo-2013 nabanye besifazane abathathu ngemuva kokuqaphela ukuthi ukuthenga ukudla njalo ngenyanga kwase kubiza kakhulu.

Namuhla, laba besifazane abane basaqhubeka nokonga ndawonye.

“Besifuna ukuqinisekisa ukuthi imindeni yethu ayilambi neze, ikakhulukazi ngoZibandlela lapho izindleko ziphakeme kakhulu,” kusho yena etshela i-Scrolla.Africa.

Ngesikhathi kuqalwa istokfela, ilungu ngalinye lalifaka u-R4,000 ngonyaka.

Njengoba amanani okudla ayekhuphuka, iqembu kwadingeka ukuthi likhulise imali eliyigcinayo.

Ngo-2024, amalungu afaka u-R10,000 ngalinye.

Kulo nyaka, baphinde bakhulisa le mali yaba u-R13,000.

“Amanani okudla akhuphuke kakhulu kangangokuthi besingenayo enye indlela ngaphandle kokukhulisa imali esiyifaka kwi-stokvel,” kusho uMaluleke.

“Sifuna ukuthenga ukudla okwengeziwe kanye nezinto ezinkulu ezizohlala isikhathi eside.”

Esikhundleni sokuthenga ukudla njalo ngenyanga, laba besifazane bonga imali unyaka wonke ngaphambi kokuyothenga izimpahla ngobuningi.

Balinda kuze kube uMfumfu noma uLwezi lapho izitolo ezinkulu ezifana noMakro ne-Kit Kat Cash and Carry zikhipha izaphulelo ze-Black Friday kanye nezaphulelo zesikhathi samaholide.

Istokfela sithenga inani elikhulu lerayisi, impuphu, amafutha, ushukela, insipho yokuwasha, ukudla okusemathinini nezinye izinto ezibalulekile zasendlini.

KuMaluleke, lokho kudla kuvame ukwanela umndeni wakhe cishe unyaka wonke. Manje sekudingeka ukuthi athenge kuphela izinto ezincane zokwengeza phakathi nonyaka.

“Empeleni angazi ukuthi ngabe ngiphila kanjani ngaphandle kwale stokfela,” kusho yena.

“Unyaka wokuqala wawunzima ngoba ngangifaka imali kule stokfela ngiphinde ngithenge nokudla njalo ngenyanga. Kodwa manje sekulula kakhulu.”

Le stokfela sokudla siphinde sisize ukuba afeze amaphupho amakhulu.

Njengoba izindleko zakhe zokudla sezikhokhiwe, wajoyina esinye istokfela esibizwa ngokuthi yi-umshayelwano.

Lesi yistokfela sokonga imali esinamalungu angu-40 ahlukaniswe ngamaqembu amathathu.

Ilungu ngalinye lifaka imali njalo ngenyanga, bese ilungu elilodwa lithola yonke imali eqoqiwe kuze kube yilapho wonke umuntu esethole ithuba lakhe.

UMaluleke ufake imali ephindwe kabili noma nini lapho ekwazi khona.

Le mali ayitholayo isivele yamsize ukuba afake umthombo wamanzi (borehole) obiza u-R35,000 ekhaya lomndeni wakhe eLimpopo.

Manje usebenzisa le mali ukusiza ekwakheni indlu lapho.

Njengamalungu amaningi estokfela, uMaluleke uyazi ukuthi kukhona ubungozi obukhona.

Izitokfela ukhokha imali ebonakalayo kwesinye isikhathi zilandelwa yizigebengu uma sekwaziwa ukuthi kuzokhokhwa imali eningi.

Ukholelwa ukuthi ukwethembana yikhona okwenza amaqembu abo ahlale ephephile iminyaka engaphezu kweshumi.

“Sifaka imali kuphela nabantu esibaziyo futhi esibethembayo,” kusho yena.

Uphinde wachaza ukuthi kungani laba besifazane beyeka ukugcina imali yabo ebhange.

“Amanye amalungu ayefuna ukukhipha imali yawo kusenesikhathi ngemuva kokubona ukuthi ingakanani imali esiqoqiwe. Lokho kwakudala izinkinga.”

Esikhundleni salokho, manje leli qembu lifaka imali yalo kuma-akhawunti estokfela ezitolo ezinkulu asebenza njengamakhadi ezipho.

Imali ihlala iphephile kulawo ma-akhawunti kuze kufike isikhathi sokuyothenga.

UMaluleke ukholelwa ukuthi ukuziphatha kahle kuyimfihlo yestokfela esiphumelelayo.

“Udinga abantu abathembekile nabavuthiwe. Wonke umuntu kumele ayihloniphe imithetho,” kusho yena.

Indaba yakhe yindaba efanayo neyezigidi zabantu baseNingizimu Afrika.

Ngokusho kwe-National Stokvel Association of South Africa, kukhona izitokfela ezingaphezu kuka-800,000 ezweni lonke.

Cishe izigidi ezingu-11 zabantu baseNingizimu Afrika zingamalungu okungenani ezitokfela, futhi ngokuhlanganyela baqoqa futhi basebenzise imali engaphezu kuka-R50-billion ngonyaka.

Abaningi basebenzisa istokfela ukuthenga ukudla, ukukhokha izimali zesikole, ukukhokhela izindleko zomngcwabo, ukwakha izindlu, ukutshala imali emabhizinisini kanye nokulungiselela izimo eziphuthumayo.

Umsunguli we-National Stokvel Association, u-Andrew Lukhele, usanda kusho ukuthi izitokfela zingezinye zezinhlelo eziqinile zokonga zomphakathi eNingizimu Afrika.

“Izitokfela zibonakala zisabalulekile. Intsha ijoyina kuzo ngobuningi bayo,” kusho yena.

Njengoba iNingizimu Afrika igubha iNyanga Yokonga Kazwelonke ngoNtulikazi , ochwepheshe bezezimali bayaqhubeka nokukhuthaza imindeni ukuthi yonge noma nini lapho kungenzeka khona.

KuMaluleke, isifundo silula.

I-stokvel asigcini nje ngokonga imali.

Imayelana nokuqinisekisa ukuthi kuhlale kunokudla etafuleni, kungakhathaliseki ukuthi isimo somnotho sinzima kangakanani.

Esithombeni esingenhla: UGloria Masingita Maluleke uthi i-stoves sakhe sokudla sisize ekondleni umndeni wakhe iminyaka engu-13 naphezu kokwenyuka kwamanani okudla.

Umthombo wesithombe: Sithunyelwe