Thursday, 27 July 2017
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Isebenza kanjani i-Fundisa?

  • Ngonyaka ka-2007 uHulumeni kanye nezinkampani ezingamalungu e-ASISA bavuma ukweseka iphrojekthi yokulinga yeminyaka emi-3 ukuhlola ukuthi ingabe abazali kanye nababheki babefuna yini ukulondolozela imfundo ephakeme yezingane zabo. Kulandela impumelelo yephrojekthi yokulinga, ababambiqhaza balo mzamo, okunguMnyango Wezemfundo Ephakeme Nokuqeqesha, i- National Student Financial Aid Scheme (NSFAS) kanye ne-Association for Savings and Investment South Africa (ASISA) bavumile ukuthatha lomzamo wokulondoloza bawuse ezingeni elilandelayo bese bethula isigaba sesibili seFundisa ngomhla ka-1 Mashi 2013.
  • Kusukela ngomhla ka-1 Mashi 2013, ukuphenywa kwesimo sezimali semali engenayo emndenini nonyaka sika-R180 000 noma ngaphansi, kuzosebenza emindenini yabo bonke abafundi yabo bonke abafundi abafuna ukuvula i-akhawunti yeSikhwama seFundisa.
  • Uma umtshali zimali engahlobene nomfundi, uphenyo lokuhlola isimo semali angeke lusebenze kumtshali zimali, lusebenza kuphela emndenini womfundi. Nanoma ngubani usangayitshala imali egameni lomfundi, uma kungukuthi umfundi uvela emndenini ohola ngaphansi kuka-R180 000 ngonyaka.
  • Abahola amaholo aphezulu bayakhuthazwa ukuthi batshale izimali egameni lezingane ezivela emindenini enemali engenayo futhi lapho-ke uphenyo lokuhlola isimo angeke lusebenze kubatshali zimali. Isikhwama futhi senzelwe ukubandakanya abaqashi abangathanda ukunikezela i-Fundisa njengenzuzo kubasebenzi abangena ngaphansi kophenyo lokuhlola isimo sezimali.
  • I-akhawunti yomtshali mali izothola ibhonasi ngonyaka ngamunye njengomvuzo wokulondolozela imfundo yengane. Inani lebhonasi lingaba lining ngangama-25% (ikwata eyodwa) yemali elondoloziwe ngonyaka ngamunye, ukungeqi ku-R600 ngengane ngayinye
  • Lokhu kusho ukuthi uma ulondoloza u-R100 ngenyanga isikhathi esiwunyaka (R1200 ngonyaka), uzothola omunye uR300 ngonyaka yokukhokhela imfundo yengane yakho.
  • Ibhonasi ayinagaranti futhi inikezwa abatshali zimali ‘ngokuthi ubani ofike kuqala, nguyena ozothola umvuzo kuqala’. Uma nje imali isekhona emalini ebekelwe ibhonasi izonikezwa ngonyaka emalini elondolozelwe abafundi abaphasile ekuhlolweni kwesimo sezimali. Ibhonasi ixhaswe ngeminikelo kaHulumeni neyengxenye ezimele kanti bobabili Umnyango Wezemfundo Ephakeme Nokuqeqesha ne-ASISA basazibophezele ku-Fundisa.
  • Lokhu kuhlolwa kwesimo sezimali angeke kusebenze emindenini yabafundi abavula ama-akhawunti e-Fundisa ngaphambi komhla ka-1 Mashi 2013. Izinkokhelo zebhonasi yonyaka kuzoqhutshekwa nokukhokhelwa laba batshali zimali. Onke amabhonasi kulaba batshali zimali azohlonishwa uma kungukuthi umfundi ubhalisa esikhungweni semfundo ephakeme kahulumeni uma isikhathi sesifika sokuthi umfundi abhalisele imfundo yakhe ephakeme. Izinkokhelo zebhonasi eziya kulaba bafundi imindeni yabo engangeni ngaphansi kokuhlolwa kwesimo semali izoxhaswa ngemali yebhonasi etholakale kumalungu e-ASISA.
  • Lokhu kuhlolwa kwesimo sezimali angeke kusebenze emindenini yabafundi abavula ama-akhawunti e-Fundisa ngaphambi komhla ka-1 Mashi 2013. Izinkokhelo zebhonasi yonyaka kuzoqhutshekwa nokukhokhelwa laba batshali zimali. Onke amabhonasi kulaba batshali zimali azohlonishwa uma kungukuthi umfundi ubhalisa esikhungweni semfundo ephakeme kahulumeni uma isikhathi sesifika sokuthi umfundi abhalisele imfundo yakhe ephakeme. Izinkokhelo zebhonasi eziya kulaba bafundi imindeni yabo engangeni ngaphansi kokuhlolwa kwesimo semali izoxhaswa ngemali yebhonasi etholakale kumalungu e-ASISA.
  • Akunamkhawulo enombolweni yabantu (abatshali zimali) abangalondoloza egameni lomfundi oyedwa. Kodwa-ke, imali enkulu kunayo yonke engakhokhelwa lom fundi ngonyaka njengebhonasi u-R600 akukhathalekile ukuthi inombolo yabatshali zimali ingakanani.
  • Imali yebhonasi akusiyona eyomtshali zimali –ingasetshenziswakuphela ngumfundi umtshali zimali akayilondolozelayo
  • Uma ufuna ukukhipha imali yakho ku-akhawunti yeSikhwama se-Fundisa ungayikhipha, kodwa uzolahlekelwa yibhonasi ka-25% ozobe uwutholile. Kuzothatha izinsuku ezimbili zokusebenza ukuthi uthole imali yakho enkampanini yama-unit trust noma ebhange lapho owavula khona i-akhwunti yakho yeSikhwama seFundisa, uma udinga ukuthatha imali yakho.
  • Uma umfundi ekhetha ukungaqhubeki nokufunda, uzolahlekelwa yimali yebhonasi ngaphandle uma ukhetha omunye umfundi ukuthi angene endaweni yakhe
  • Uma ibhonasi ingasetshenziselwa ukukhokhela izifundo zananoma yimuphi umfundi izokulahlekela-ke