ETSA BAJETE MME O BOLOKE. Ithute maqheka bakeng sa tokoloho ho tsa ditjhelete. Ina Wilken. Phatlalatso ena e tsheheditswe ka motlotlo ka ditjhelete ke

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1 ETSA BAJETE MME O BOLOKE Ithute maqheka bakeng sa tokoloho ho tsa ditjhelete Ina Wilken Phatlalatso ena e tsheheditswe ka motlotlo ka ditjhelete ke

2 MOLAO WA NAHA WA MEKITLANE DITEKANYETSO TSA TSWALA DI LAOTSWE MOHLOKOMEDI E MOHOLO WA MEKITLANE Molaodi wa Naha wa Mekitlane o tla etsa bonnete ba hore indasteri ya mekitlane e kgema le NCA C N DITEKANYETSO TSA TSWALA Ditekanyetso tsa tswala le ditefo tse ding di tla behelwa melao mme di laolwe A E SE BO L EL DITOKELO TSA MOEKI Mokgwa oo barekisi ba bapatsang mebaraka ka ona le ho beha ditheko o tla behelwa melao ho baballa d itokelo tsa moreki O A N SE MOELETSI WA TSA DIKOLOTO Haeba o hloleha ho lefa dikoloto tsa hao, moeletsi wa tsa dikoloto a ka o thusa ho rarolla mathata a hao HO WE NA G LEKGOTLA LA DINYEWE TSA MEKITLANE Haeba morekisi a tlola molao, o ka isa tletlebo ya hao ho lekgotla lena la dinyewe tsa mekitlane BIO YA MEKITLANE Ho tla ba le taolo e matlafetseng haholwanyane mabapi le ho nepahala ha dintlha tse hlahiswang ke biro ya mekitlane TSHIELETSO NCA e o fa tshireletso haholwanyane ha o kadima tjhelete, reka thepa ka mokitlane kapa o fumana tjhelete ya letlotlo KADIMANO E BOHLASWA Barekisi ha ba na o fa sekoloto haeba o hloleha ho se lefa

3 TATAISO YA HO ETSA MEALO YA DITJHELETE HO BAAHI BOHLE BA AFIKA BOWA KAMOO O KA BAJETANG, HO BOLOKA LE HO SEBEDISA TJHELETE YA HAO KA BOHLALE KA TENG Ithute maqheka bakeng sa tokoloho ho tsa ditjhelete INA WILKEN Mothusi wa Bareki (Consumer Consultant) Molaodi eo eseng wa phethahatso (Non-Executive Director): Finbond Group Limited and Finbond Mutual Bank Latela mehato e bobebe e boletsweng bukeng ena mme o ithute maqheka a ho theha bophelo bo nang le tshireletso ho tsa ditjhelete le bolokolohi. O se ke wa latela moo tsela e ka lebisang teng. Empa leba moo tsela e leng siyo empa o siye mohlala. ANNE SOPHIE SWETCHINE Buka ena e reretswe dimiliyone tsa bareki ba Afrika Borwa esita le basebedisi ba mekitlane (dikoloto) le dihlahiswa tse ding tsa ditshebeletso tsa tjhelete. E se eka buka ena e ka o matlafatsa ho fumana tokoloho le tshireletso ho tsa ditjhelete.

4 KANANELO Finbond Group Limited Mongodi : Ina Wilken Molokisi : Ina Wilken 2017

5 LENTSWE LA KETAPELE Mmadi ya ratehang Ke monyetla o mokaakang ho phehisa bakeng sa boiketlo ba hao ho tsa ditjhelete esita le thuto. Monna ya bohlale, ntate wa rona Nelson Mandela, o ile a re: Tshabo e kgolo ya rona ha se hore re a fokola. Tshabo e kgolo ho rona ke hore re na le matla a sa lekanyweng. Ke lesedi la rona eseng lefifi la rona, le re tshosang haholoholo. e a ipotsa, Nna ke mang ho ba bohlale hakana, ho ba kgabane, ho ba le dineo, ho tsoteha? Hantlentle wena o mang o ke keng wa ba jwalo? O ngwana wa Modimo. Ho inyenyefatsa ha ho thuse lefatshe ka letho. Ha ho letho le kgahlehang ha o inyefola, e le hore batho ba bang ba ikutlwe ba sa tshireletseha ha ba le haufi le wena. e tswaletswe ho totobatsa kganya ya Modimo e ka hare ho rona. Ha se feela ka hare ho ba bang ba rona e ka hare ho e mong le e mong mme re dumella lesedi la rona hore le kganye, re dumella batho ba bang re sa lemohe hore le bona ba etse jwalo. Jwalokaha re lokolotswe tshabong ya rona, ho ba teng ha rona ho se ho ntse ho lokolla ba bang ka ho otloloha. - Kgutlela leratong eturn to Love ka Marianne Williamson Ka ditumediso, Ina Wilken Mothusi wa Bareki (Consumer Consultant) Molaodi eo eseng wa phethahatso (Non-Executive Director): Finbond Mutual Bank 01 Hlakubele 2017

6 TSE KA HAE SELELEKELA KAOLO YA 1 HO ETSA BAJETE 1.1 Laola ditaba tsa ditjhelete tsa hao 1.2 Bajete ya motho ka mong 1.3 Mehato e mehlano e bobebe ya ho hlophisa bajete ya hao KAOLO YA 2 KADIMO E BOHLALE 2.1 Ho kadima ho lokela ho ba ka sewelo 2.2 Ho kadima ho lokela ho laolwa ke tlhoko 2.3 Ho kadima ho se bake kgatello e sa hlokeheng 2.4 E ba moreki ya lokileng KAOLO YA 3 HO LEFA DIKOLOTO TSA HAO 3.1 Ditlamorao tsa molao le ho tlola ditshwanelo tsa tefo ya dikoloto 3.2 Mehato ya Pele mehala, mangolo a taelo, tshaeno ya ditokomane kapa ho amohela kahlolo 3.3 Dikahlolo le ditaelo tse ding tsa lekgotla 3.4 Ditefello tse bohloko tsa dikoloto ho ya ka kahlolo KAOLO YA 4 DITOKELO TSA MOEKI LE DITHAOLLO TSA TOKISO KA KETSO YA MOLAO BAKENG SA SEKOLOTO 4.1 Ditataiso tsa kakaretso 4.2 Ditshireletso Kgetho ya kgothaletso le In-duplum 4.3 Melao ya Mmokeletsi wa Dikoloto 4.4 Nako le Mokgwa wa phetolo ya kahlolo 4.5 Taelo ya tefiso ya emolumente 4.6 Kopo ho lekgotla ho fetola taelo ya emolumente 4.7 Kopo ho lekgotla ho emisa thekiso ya thepa 4.8 Ha o a kgotsofalla ditefo le ditefiso tsa maqwetha? 4.9 O tlasa taolo empa ha o tswe ka hara sekoloto? 4.10 O na le dikoloto tse ngata? 4.11 Kgapo ya thepa e rekilweng ka mokitlane

7 KAOLO YA 5 HO TSEBA KA BIO YA MEKITLANE 5.1 Ngodiso ya dintlha tsa mokitlane ho biro ya mekitlane 5.2 Ditletlebo tsa moreki 5.3 Seo o lokelang ho se etsa ha o kentswe lenaneng ka phoso KAOLO YA 6 LEABA LA SEKOLOTO LE TAOLO 6.1 Leraba la sekoloto ke eng? 6.2 O lokela ho etsa eng haeba o hloleha ho lefa sekoloto sa hao? 6.3 Ke menyetla efe e meng ya tjhelete eo moreki a nang le yona? 6.4 Ho bolela eng ka ho behwa tlasa taolo? 6.5 Hlokomela ditaelo tsa taolo 6.6 Bareki ba na le ditokelo le boikarabelo bofe? 6.7 O ka etsa ketso efe? 6.8 Ho tla etsahala eng ha o ya ho moeletsi wa tsa dikoloto? 6.9 Hlokomela melawana ya tokollo ka hara dikontraka / dilekane 6.10 O ka etsa eng o le moreki KAOLO YA 7 DITOKELO TSA MOEKI TSA TOKISOBOTJHA 7.1 Tokelo ya tekano 7.2 Tokelo ya boinotshi 7.3 Tokelo ya boleng bo kgotsofatsang, boleng bo lokileng le polokeho 7.4 Tokelo ya ho kgetha 7.5 Tokelo ya thuto ho moreki (tsebiso ya dintlha) 7.6 Tokelo ya ho bapatsa ka nepo le ka boikarabelo 7.7 Tokelo ya tshebeletso ka nepo le ka botshepehi 7.8 Tokelo ya maemo a kgotsofatsang a yang ka molao le ka boikarabelo 7.9 Tokelo ya bareki ya tokisobotjha ka boikarabelo KAOLO YA 8 TSHIELETSO YA MOEKI 8.1 Molao wa Naha wa Mekitlane (National Credit Act) Molebedi e moholo wa mekitlane the National Credit egulator Ditokelo tsa moreki mabapi le ditshebeletso tsa mekitlane Ditekanyetso tsa tswala, ditefiso le ditefo tse ding Kadimano e bohlaswa

8 8.1.5 Boeletsi ka tsa mekitlane Ngodiso ya barekisi Biro ya mekitlane Lekgotla la dinyewe tsa mekitlane The Consumer Tribunal Hlokomela ngodiso tse fosahetseng ho biro ya mekitlane Kadimano e nyenyane Dikarete tsa mekitlane 8.2 Molao wa Tshireletso ya Moreki Molao wa Tshireletso ya Moreki, wa No. 68 wa Ditokelo tsa Moreki ke dife? O ka tletleba hokae Mehala ya thuso ho moreki KAOLO YA 9 DINOMOO TSA BOIKOPANYO KAOLO YA 10 DITHUTO HO TSWA HO BOADIMILIYONE DINTLHA MABAPI LE MONGODI: INA WILKEN

9 SELELEKELA Batho ba fumana boikemelo le tokoloho ya ditjhelete jwang? Batho e ba barui jwang? Ke ka sewelo moo lehlohonolo kapa lefa, kapa dikgau tse phahameng tsa thuto kapa bona bohlale di thusang batho ho theha mahlohonolo kapa katleho. Boikemelo ho tsa ditjhelete le leruo hangata ke ditlamorao tsa mokgwa wa bophelo wa ho sebetsa ka thata, mamello, ho etsa meralo le ho ikeletsa e le wena. Motho ya bohlale o kile a re batho ba bangata ba shwa ka lebaka la kgaello ya tsebo. Hona ho ntse ho na le bonnete bakeng sa ho iketsetsa bajete ya botho ba hao le bolaodi ba tjhelete. Batho ha ba kgone ho phela hantle ka ditjhelete hobane ha ba bajete ebile ha ba etse moralo wa tjhelete. Buka ena e tla o thusa ho etsa yona ntho eo ho etsa moralo o nepahetseng. E ba le tumelo ya hore o moholwanyane ho mathata a hao, etswe o fela o le jwalo. NOMAN VINCENT PEALE e ke ke ra rarolla mathata ka ho sebedisa monahano ona oo o tshwanang le ona ha re ne re baka mathata ao. ALBET EINSTEIN - 1 -

10 KAOLO YA 1 HO ETSA BAJETE 1.1 LAOLA DITABA TSA DITJHELETE TSA HAO! Batho ba bangata ba na le mathata a tjhelete ka tsela ena le yane. Lekeno la tjhelete ha le kgeme le ditheko tse ntseng di phahama, motho e mong lapeng a ka lelekwa mosebetsing, ho ka etsahala diketsahalo tse sa lebellwang jwaloka ho kula, kapa ho amohelwa sepetlele, athe ba bang ba rona ba mpa ba sebedisa tjhelete hampe. Ka yona nako eo, ho bobebe haholo ho itahlela ka hara mokitlane hoo re qetellang re le tsietsing ya ho kena lerabeng la sekoloto. Ho na le mefuta e fapaneng ya mekitlane: Dikadimo tse tswang dibankeng Dikadimo tse nyenyane tse tswang ho bakadimani ba banyenyane Diakhaonto tsa mabenkele a maholo, dingaka, dikhemisi Ho reka ka kgiriso kapa ditumellano tsa mekitlane. Ho amohelehile ho sebedisa mokitlane ho o thusa ho rarolla bothata ba nakwana kapa ho reka ntho e kgolo ebe o e lefa ka kgwedi le kgwedi ka diqonwana (ditolomente) haeba o kgona ho lefa ka diqonwana kapa ditolemente. Leha ho le jwalo, o ke ke wa nna wa tswela pele ka ho kadima kgwedi le kgwedi, kapa hona ho etsa dikadimo tseo o sa kgoneng ho di lefa, ha ho se jwalo, maemo a hao a ditjhelete a tla nne a mpefale le ho feta. O LOKELA HO LAOLA MAEMO A DITJHELETE TSA HAO O kgona ho a laola jwang? Qalong, o lokela ho fumana MEKGWA YA HO QOBA DITSHENYEHELO. Haeba o so be le tjhelete e lekaneng bakeng sa mabaka a hao ohle a theko, o lokela ke hona ho batla MEKGWA E MENG YA MEHLODI YA LEKENO KAPA TJHELETE. E mong le e mong ya kgonang haholo ho dula a kopa tshwarelo ke ka sewelo a ka kgonang ntho e nngwe e itseng. BENJAMIN FANKLIN - 2 -

11 1.2 BAJETE YA MOTHO KA MONG Batho ba bangata ba tshaba haholo ho dula fatshe ebe ba hlophisa bajete ya bona. Ba tshaba hore na e tla ba bolella eng jwaloka batho ba bang ba tshabang ditekolo tsa bongaka. Boikgalemelo ba ho etsa bajete ke mohato wa pele o lebisang ho tokoloho ho tsa ditjhelete. Ho etsa bajete ho utlwahala eka ke ntho e thata mme hangata ho bonahala e le ntho e etswang feela ke dikgwebo le batho ba ruileng haholo. Leha ho le jwalo, bajete e bobebe ebile e molemo haholo ka ho fetisisa ho rona kaofela. Ka ntle ho bajete e hlophisitsweng hantle, o fela o sa tsebe se etsahalang ka tjhelete ya hao, mme mathata a hao ka mohlomong a tla nne a mpefale le ho feta. Haeba o sa etse bajete ya hao ka tshwanelo, o na le monyetla o fokolang wa ho boloka tjhelete ya letho

12 1.3 MEHATO E MEHLANO E BOBEBE YA HO HLOPHISA BAJETE YA HAO: Mohato wa 1 Lekeno la hao Bala tjhelete yohle ya lekeno e kenang lelapeng la hao ka kgwedi le kgwedi: Lekeno la nnete le bolela tjhelete yohle eo o e isang lapeng kamora ditjhelete tse hutsweng moputsong ohle wa hao kapa lekeno lohle. Bala tjhelete yohle ya lekeno ka ho kopanya moputso wa hao, le moputso wa molekane wa hao (monna kapa mosadi kapa motswalle), le lekeno lefe kapa lefe leo o le fumanang, ekaba ho tswa mosebetsing wa nakwana kapa kgwebo eo o e etsang hona lapeng moo. Haeba motswalle kapa e mong wa leloko a dula le wena mme a o lefa bakeng sa ditshenyehelo tsa lelapa kapa haeba ba hao ba phela le wena lapeng mme ba na le mesebetsi ya nakwana, o lokela ho kenyeletsa tseo tsohle e le lekeno la lelapa. Kamehla bala lekeno la hao kamora lekgetho esita le ditjhelete tse ding tse hutsweng. Ke yona tjhelete ena feela eo o ka kgonang ho e sebedisa kgwedi le kgwedi. Tlhakiso ya 1 Bala lekeno la hao Moputso Mehlodi e meng ya lekeno LEKENO LOHLE - 4 -

13 Mohato wa 2 Ditefo tse tsepameng Kgwedi le kgwedi ho na le ditefello tse itseng tseo o lokelang ho di lefa, ha ho se jwalo, ho ka hlaha mathata a maholo. Mohlala, haeba o sa lefe rente, o ka qobellwa ho tswa ka hara ntlo ya hao; haeba o sa lefe tefoqonwana (instolemente) ya fanetjhara ya hao, e ka hapuwa kapa haeba o sa lefe tjhelete eo o e kadimileng, o ka fumana kahlolo kgahlano le lebitso la hao. Leqepheng la bobedi, etsa lenane la ditefo tsena tsohle tse tsepameng tsa kgwedi le kgwedi ke mang/ke eng ya lokelang ho leshwa, le hore tefello ya kgwedi le kgwedi ke bokae. Hape etsa lenane la ditefello tsohle tseo o lokelang ho di lefa empa eseng tsa kgwedi le kgwedi (tadima maqephe a 5,6 le 7) jwaloka dilaesense bakeng sa koloi kapa thelevishene (TV), dibuka tsa sekolo, meketjana ya matsatsi a tswalo, diaparo le tse ding. Nahana ka ho behella tjhelete e itseng ka thoko kgwedi le kgwedi hona ho tla o thusa ho boloka e le hore o kgone ho lefa ditshenyehelo tsena ha di ntse di hlaha. Kamehla leka ho baballa mefuta ena ya ditshenyehelo e le tlase. Haeba o na le mathata a ditjhelete, o se ke wa hlola o itlama ka melato efe kapa efe hape ho fihlela dintho di ntlafala. Tlasa dikadimo kenyeletsa tjhelete hammoho le tswala eo ha jwale o e kolotang mokadimani e monyenyane, mokadimani wa kadimo ya nakwana kapa banka eo o kadimileng ho yona. Tlhakiso ya 2 Ditefo tse tsepameng ente/bonto Direiti le makgetho Inshorense: Ntlo/Koloi Ditefo tsa dipalangwang (teksi/bese/terene) Thekokgiro/Kgiriso Akhaonto ya diaparo Ditefo tsa sekolo Dikadimo Dilaesense (TV/koloi/jj) Tse ding TEFO TSOHLE TSE TSEPAMENG - 5 -

14 Mohato wa 3 Ditefello tse fapaneng Ho fapana le ditefello tse tsepameng moo o tsebang hantle hore o lokela ho behella ka thoko tjhelete e kae ka kgwedi le kgwedi, ho na le ditefello tse ding tseo o lokelang ho di lefa, empa moo o nang le taolo ya hore di phahame kapa di theohile hakae. O lokela ho ja le ho nwa empa ha o lokele ho ja nama e theko e thata le ho nwa veini e theko e thata ka letsatsi le letsatsi. O ka hloka ho letsa mehala, empa o ka nka mehato ya ho laola bongata ba mehala eo o e letsang ka kgwedi le kgwedi. O ka batla metsi le motlakase empa o ka laola bongata ba tshebediso ya tsona. O ka nna wa se tsebe hantle hore o sebedisitse bokae dinthong tsena. Haeba ho le jwalo, boloka rekoto e kenyeletsang tsohle bakeng sa kgwedi kapa tse pedi ho fihlela o tseba hantle hore o hlile o sebedisa tjhelete e kae eo o e sebeleditseng ka thata. Tlhakiso ya 3 Ditefo tse fapaneng Dipalangwang Kerosari Nama Motlakase Mohala/Fono Ditokiso lapeng le disebediswa Khemisi Ngaka/Ngaka ya meno Ditefiso tsa banka/ditefiso-mokadimani Tse ding DITEFO TSOHLE - 6 -

15 Mohato wa 4 Ditefello tsa boikgethelo Ditefello tsa boikgethelo ke ditefo tsa dintho tseo o ratang ho di lefella empa o sa tlameha hakaalo. Hangata, ke hona karolong ena moo ho nang le menyetla e metle haholo ya ho tswa ka hara mathata kapa ho boloka tjhelete. Batho ba tsubang, ha re tea ka mohlala, ba ka makala ha ba ka dula fatshe ba bala hore ke tjhelete e kae eo ba e sebedisang ka tlwaelo ya ho tsuba feela. Bohle re rata ho apara hantle, empa ho thusa eng ho ba le diaparo tse ntle le dieta empa o se na ntlo eo o phelang ho yona. Tlhakiso ya 4 Ditefo tsa boikgethelo Diaparo Molohameriri/Dihlahiswa tsa meriri Dihlahiswa tsa letlalo Tahi Disakarete Boithabiso Matsatsi a phomolo Mekete ya tswalo Dimpho Dikoranta/dibuka/dimakasine Dibapadiswa Ditlwaelo/dipapadi Kereke Tse ding DITEFO TSA BOIKGETHELO TSOHLE - 7 -

16 Mohato wa 5 Bajete ya hao Leqephe la 10 ke tokomane moo o ka kgutsufatsang diphetho tsa Tlhakiso ya 1-4. Nahana ka tokomane ena ka hloko kamora hore o e qete. Haeba ditefello tsohle tsa hao di feta lekeno lohle la hao, hona ho o tsebisa hore O LOKELA HO ETSA HO HONG ESALE JWALE ho boela o ba le taolo ya ditaba tsa ditjhelete tsa hao. Dikgetho tseo o nang le tsona ke tsena : Fokotsa tjhelete eo o e lefang Kapa Eketsa lekeno la hao - 8 -

17 LEQEPHE LA BAJETE YA HAO LEKENO LOHLE a DITEFELLO TSE TSEPAMENG Dintlha Tjhelete b DITEFELLO TSE FAPANENG Dintlha Tjhelete c DITEFELLO TSA BOIKGETHELO Dintlha Tjhelete d DITEFO TSOHLE [b] + [c] + [d] = e PHAPANO [a] [e] = f - 9 -

18 KAOLO YA 2 KADIMO E BOHLALE 2.1 HO KADIMA HO LOKELA HO BA KA SEWELO Baahi ba bangata ba Afrika Borwa ba dumela hore ho kadima ke tshwanelo. Ka lebaka la maikutlo ana, ba dula ba kadima jwalo. Mane Amerika maemo a ntse a itshwanela. Ka 1990 lelapa le bohareng la Amerika le sebedisitse tjhelete e batlileng e fihla ho $ ka dikadimo bakeng sa ho reka makoloi bophelong ba bona bakeng sa tswala feela. Maamerika a mangata a ne a ka phomola mesebetsing ka seo a se lefang dikadimong tsa dikoloi feela. Ha ho hlokehe ho reka koloi ka selemo se seng le se seng sa bobedi. Ho molemo hore mokitlane o sebedisetswe ho feta bothata bo potlakileng ba nakwana kapa ho reka thepa e kgolo ebe o e lefa ka dikgwedi le dikgwedi jwalo ka ditolemente tsa kgwedi le kgwedi haeba feela o kgona ho lefa ditolemente. Haeba o tswela pele ho kadima kgwedi le kgwedi, ha o na ba le tokoloho maemong a ditjhelete esita le boikemelo. Kamehla hopola ho ba ka tlase ho bokgoni ba hao. Hona ho bolela hore o sebedise tjhelete e ka tlase ho eo o e leshwang. Haeba o fumana ka kgwedi, o lokela ho sebedisa tjhelete e sa feteng e le hore o tsebe ho BOLOKA. 2.2 HO KADIMA HO LOKELA HO LAOLWA KE TLHOKO Ho molemo hore re kadime feela ha re fela re na le tlhoko. Na o kadima tjhelete ho reka dintho tseo o hlileng o sa di hlokeng kapa tseo o ka phelang ka ntle ho tsona? O tla rua haholwanyane ho feta haeba o bolokela seo o se batlang mme ebe o a se reka ha o na le tjhelete hona ke hobane ha o reka ka mokitlane, o lefa tswala ya tjhelete (e leng e lefiswang ka letsatsi le letsatsi hodima tjhelete ya masalla) ka tsela e jwalo o lefa haholo empa o boloka hanyenyane! 2.3 HO KADIMA HO SE BAKE KGATELLO E SA HLOKEHENG E mong le e mong o tla dumela hore ho phela ka sekoloto ho a hlobaetsa ho feta ho phela hara moedi wa bajete ya hao. E ka ba ntho e ferekanyang haeba o ke ke wa etsa kapa wa reka ntho efe ka efe eo o ratang ho e reka hobane o se na tjhelete. Ho phela ka tshoso ya ho lahlehelwa ke fanetjhara ya hao kapa ntlo ya hao kapa ho hloka dijo tafoleng ya hao, ke ntho e ferekanyang ka ho fetisisa, e bakang kgatello ya maikutlo mme ke qalo ya ntwa ya ka mehla ya monyolosathaba

19 Hona ho ka baka mathata a sa hlokeheng dikamanong e leng ho tla tshwaetsa bophelo ba hao ba kamehla. 2.4 E BA MOEKI YA LOKILENG Dikeletso ho moreki FUMANA DINTHO TSE NGATA KA TJHELETE YA HAO PELE O EKA KAPA O KADIMA TJHELETE: Nahana ka hore ke dihlahiswa kapa ditshebeletso tseo o di hlokang. Bapisa mefuta le ditheko mme o potolohe hohle. Haeba o kadima tjhelete, bapisa ditekanyetso tsa tswala. Kopa metswalle dikgothaletso mme o batle dipehelo tsa molao bakeng sa papiso. Batlisisa hore hobaneng ba sebeletsana le khamphani eo, ba lefa bokae, mme ka dintlha tsena o ka inahanela hore o batla ho ya kae bakeng sa kadimo. Bapisa mabenkele. Batla lebenkele le nang le setumo se setle ebe o etsa moralo esale pele ho nka monyetla wa ditheko tse theotsweng. Batlisisa hore na khamphani eo e na le setumo. Hlahloba ditefiso tse ekeditsweng jwaloka ditefello tsa thomello ya thepa, ho hokelwa kapa ditefiso tsa tshebeletso. Mabapi le dikadimo tsa ba banyenyane, ho molemo ho hlahloba ditekanyetso tsa tswala le ho hlokomela ditshenyehelo tse patilweng. Bala ditiisetso kapa dikaranti e le hona ho utlwisisa seo wena le mohlahisi le lokelang ho se etsa haeba le na le bothata. Bala dipehelo tsa selekane kapa kontraka ka hloko. Etsa bonnete ba hore dikgeo tsohle tse sa tlatswang di tlatsitswe pele o e saena mme o etse bonnete ba hore O utlwisisa tumellano. Kopa morekisi ho hlalosa leano la lebenkele la kgutliso kapa phetolo. O se ke wa nahana hore ntho e theko e tlase hobane feela e bapatswa e le theko e tlase. KAMOA THEKO YA HAO KAPA TSHEBELETSANO YA KADIMO YA TJHELETE: Bala mme o latele ditaelo tsa kamoo o ka sebedisang sehlahiswa kapa tshebeletso kapa hore na ditolemente di lokela ho leshwa neng ho ya ka tumellano ya kadimo. Boloka dikhopi tsa dipapatso, diphephetjhana tsa pepeso le dibukana tseo o di filweng ha o ne o reka. Hlahloba sehlahiswa ka hloko ha se fihla o se romeletswe. Sebedisa sehlahiswa feela jwalokaha ho kgothaleditswe ke mohlahisi ka hara bukana ya tataiso / sephephetjhana. Bala mme o utlwisise tiisetso kapa karanti

20 Boloka dikontraka tsohle, diresiti tsa theko, ditiisetso/dikaranti, le ditaelo. Haeba bothata bo ntse bo tota, tsebisa ka bothata bona kapelepele. Ho leka ho lokisa dihlahiswa ka bowena ho ka hlakola karanti kapa tiisetso. Boloka faele ya mekutu ya hao ya ho rarolla bothata. E lokela ho kenyeletsa mabitso a batho bao o buang le bona le letsatsi, nako le sephetho sa puisano. Boloka dikhopi tsa mangolo ohle ao o a romelang le dikarabo tseo o di fumanang. Ngola mabitso a dikgwebo kapa batho batho bao o ba romellang dikhopi tsa lengolo la hao. Bolela nomoro ya mofuta kapa mmotlolo, nomoro ya seriale le lebitso la mofuta wa sehlahiswa. HOPOLA: Tabeng ya pele, ikopanye le morekisi kapa mofani wa ditshebeletso haeba o na le tletlebo. Haeba seo se sa rarolle bothata ba hao, ikopanye le ofisi ya ntlokgolo ya khamphani. Haeba bo so rarollwe, ikopanye le South African National Consumer Union bakeng sa mekgatlo e tshwanelehang e ka o thusang ho rarolla taba ena le khamphani, ka ntle ho tefo. Ho nka dikgato tsa molao e lokela ho ba ntho ya ho qetela

21 DIKONTAKA O se ke wa saena eng kapa eng eo o sa e balang kapa hona ho e utlwisisa hantle. Haeba o sa utlwisise kontraka, kopa motho e mong ya tsebang ho o thusa. O se ke wa saena kontraka haeba mokadimani kapa morekisi a sa o dumelle ho fumana motho e mong ho e hlahloba pele. Etsa bonnete ba hore ditshepis tsohle tsa molomo di kenyeleditswe ka hara kontraka e ngotsweng. Ha o na ba le hona ho tshepa seo morekisi a se buileng, haeba se sa ngolwa ka hara kontraka. O se ke wa saena kontraka e nang le dibaka tsa dikgeo. Taka mela dikgeong tseo pele. Etsa bonnete ba hore o fumana khopi ya kontraka eo o e saenetseng mme o e boloke sebakeng se tshireletsehileng. Etsa selekane kapa kontraka feela le mekgatlo e nang le setumo se lokileng. Boemong ba bakadimani ba banyenyane bapisa ditekanyetso tsa tswala mme o etse bonnete hore mokadimani e monyenyane o ngodisitswe ho Molaodi wa Mekitlane ya Naha (National Credit egulator). Mohala: or 0860 NC NC. INSHOENSE LE MATSETE Bareki ba bangata ba buisana le barekisi ba bangata ba inshorense mabapi le dipholisi tsa lepato, matlole a penshene, inshorense ya bophelo le inshorense ya thepa. Balaodi ba matsete ba bile ba fana ka ditshebeletso tsa bona ho bareki. Molao wa Boeletsi ba tsa Ditjhelete le Ditshebeletso tse Bohareng (The Financial Advisory and Intermediary Services (FAIS)) o baballa bareki ba rekang kapa ba tsetelang ho dihlahiswa tsa tjhelete. Phumantsho ya keletso ka mofepedi wa sehlahiswa (mohlala, mofani wa inshorense), moemedi wa inshorense kapa molaodi wa matsete, le phano ya ditshebeletso tsa bohareng ka mohlahisi wa ditjhelete tsa bohareng, di babaletswe ke Molao ona o ka hodimo. Haese ha ba tshwaneleha, batho ba amehang diketsong tsena ba lokela ho ba le dilaesense tsa Lekgotla la Ditshebeletso tsa Ditjhelete Financial Services Board (FSB) mme mokgwa wa mmaraka wa bona (ke hore mokgwa oo ba lokelang ho sebetsana le bareki) o laolwa ke Molao. Bareki ba lokela hore ka nako e tlang ba etse bonnete ba hore ba etsa kgwebo feela le bafani ba ditjhelete ba nang le dilaesense kapa baemedi. Molao o bile o baballa ofisi ya (the FAIS Ombud) e le ho sebetsana le ditletlebo tsa moreki kgahlano le bafani ba ditshebeletso tsa tjhelete kapa baemedi ba bona. Sepheo sa Ombud ke hore ditletlebo di lokela ho rarollwa ka potlako le ka bobebe ka ntle ho ditshenyehelo ho moreki

22 KAOLO YA 3 HO LEFA DIKOLOTO TSA HAO 3.1 DITLAMOAO TSA MOLAO MABAPI LE HO TLOLA DITSHWANELO TSA TEFO YA DIKOLOTO Haeba o na le mathata afe kapa afe a ho lefa dikoloto tsa hao, o lokela ho ikopanya le morekisi kapele. Haeba o ke ke wa etsa ditlhophiso tse ding le morekisi wa hao, ba ka ba le hona ho fetisetsa taba ena ho mmokeletsi wa dikoloto kapa leqwetha le tla nka dikgato tsa molao kgahlano le wena ho fumana tjhelete eo o e kolotang. Haeba sena se etsahala o ka qetella o lefile haholwanyane bakeng sa sekoloto seo ka lebaka la tswala e eketsehileng le ditefiso tsa molao o tla hle o be maemong a mabe haholo ho feta pele ebile o ka ba le rekoto e mpe haholo ya mokitlane. Ho bareki ba bangata, boiphihlelo ba ho fumana mangolo a molao le ditokomane le diketelo tsa baromuwa ba lekgotla la dinyewe esita le babokeletsi ba dikoloto ke ntho e tshosang e bileng e ferekanyang. Ka tsela e jwalo, mona ka tlase re bontsha tsela eo hangata e latelwang ha moreki a hlolwa ke ho lefa sekoloto kapa ho etsa ditlhophiso le morekisi. e nahana hore sena se tla o matlafatsa ho utlwisisa seo e leng ditshwanelo tsa hao maemong ana le hore ditokelo tsa hao ke dife haeba o sa sebeletswa ka botshepehi. Karolong ena, diphetoho tsa tshebetso ya molao tse fetohileng molao ka Phupjane 2007 ha NCA e ne e qala ho sebetsa, di tla hlaloswa. Diphetoho tsena di reretswe ho fa bareki tshireletso ka, mohlala, ho ba kgothaletsa ho batla thuso ho tswa ho moeletsi wa tsa dikoloto, haeba ba na le dikoloto tse ngata ho feta tekano. 3.2 MEHATO YA PELE MEHALA, MANGOLO A HO BATLA KA TAELO, HO SAENA DITOKOMANE KAPA HO AMOHELA KAHLOLO Dikhamphani tse ding di tla o founela ha o sa lefe sebedisa hona e le monyetla mme o ikemisetse ho lefa kamoo o ka kgonang ka teng. Etsa bonnete ba hore o lefa seo o se tshepisang hona ho tla etsa hore o qobe hore akhaonto ya hao e bokellwe ho ya ka tshebetso ya molao wa lekgotla la dinyewe. O ka nna wa fumana lengolo la taolo ya ho batla tefo kapa khamphani e tla romela mosebeletsi kapa moemedi wa yona ha hao kapa mosebetsing ho romela lengolo la taolo ya ho batla. Hapehape, nka monyetla wa sena mme o etse tlhophiso ya tefo. Hangata ha o fumana ketelo, o kotjwa ho saena ekaba

23 Hangata ha o fumana ketelo, o kotjwa ho saena ekaba Karolo ya 57 Tsebiso ya Sekoloto mona o tla saena hore o kolota tjhelete (tjhelete eo e tla bolelwa hore ke bokae), le hore o tshepisa ho lefa kgwedi le kgwedi ditolomente tsa tjhelete eo e boletsweng. O tla saena hore haeba o ka hlolwa hape (o sa lefe) ho setolomente sefe kapa sefe jwalokaha ho dumellanwe, morekisi a ka nka ditokomane tseo o di saenetseng a di isa lekgotleng la dinyewe, ebe o ritela nyewe ya kahlolo kgahlano le wena, mme ka mohlomong ebe o fumana emolumente e hokelwa kgahlano le moputso wa hao (tadima leqephe le latelang); KAPA Karolo ya 58 ya Tumello ya Kahlolo hore o dumela hore kahlolo e behwe ka hara lekgotla la dinyewe le hore ho hulwe tjhelete moputsong wa hao. Phapano pakeng tsa karolo ya 57 le 58 ke hore ho karolo ya 57 o sa na le monyetla wa bobedi ha ho kahlolo haeba o boloka tshepiso ya ho lefa ho ya ka tlhophiso. Ho karolo ya 58, o dumela kahlolo kapelepele. Mmokeletsi wa dikoloto / leqwetha a ka, kamora ho o romella lengolo la taelo ya ho batla, le ka ntle le ho romela moromuwa ho o etela, kapa ho o etsa hore o saenele karolo 57/58, a ka romela moromuwa wa lekgotla dinyewe ho o fa taelo ya lekgotla la dinyewe hangata lapeng kapa mosebetsing kapa atereseng eo o faneng ka yona ka hara kontraka ha o ne o saenela tumellano (hona ho bitswa aterese ya domicilium ). Ha o fumana taelo ena ya lekgotla la dinyewe: O na le matsatsi a mahlano (5) a tshebetso ho tsebisa hore o rata ho ipelaetsa kgahlano le nyewe ena. Haeba o fela o kolota tjhelete, ha o na ho ba le lebaka la ho ipelaetsa kgahlano le nyewe ketso ya bohlokwa ka ho fetisisa ke ho letsetsa leqwetha le ho etsa ditlhophiso tsa ho ba lefa ka ditolemente tsa kgwedi le kgwedi. O kgothaletse hore ba se ke ba hlophisa kahlolo hobane ha o sa tla tlola tefo hape mme o baballe tumellano ena. O hlahise seo le dumellaneng ka sona ka ho ngola fatshe ebe o ba romella khopi (o boloke bopaki). Haeba o sa kolote tjhelete, kapa o sa dumellane le tjhelete eo ba reng o a e kolota, o lokela ho fana ka tsebiso hore o rata ho ipelaetsa kgahlano le nyewe. Mabapi le sena, Tsebiso ya Boikemisetso ba ho ipelaetsa e hoketswe ka morao ho kahlolo / taelo ya lekgotla la dinyewe. O tla lokela ho e tlatsa, o e romele (o e ise) atereseng e fanweng mme hang ha ba saenetse resiti, o nke tokomane ya sethatho le khopi e saenetsweng ke morekisi o di ise ho Tlelereke ya Lekgotla la dinyewe. Boemong bona o lokela ho ikopanya le morekisi, o leke ho rarolla taba ena, kapa o lokela ho fumana leqwetha ho o thusa ho tla fanwa ka letsatsi leo ka lona taba ena e tla mamelwa ka lekgotleng la dinyewe. Hona ho ka batla tjhelete e ngata mme tharollo ya bohlokwa ka ho fetisisa hangata ke hore o qale ka ho rerisana ka tefo ka ntle ho lekgotla la dinyewe kapa ho be le tumellano

24 Ho latela taelo e ntjha ya NCA, bareki ba nang le sekoloto se phahameng haholo mme ba ke ke ba kgona ho lefa ditefo tsohle tsa bona, ba na le hona ho ya ho moeletsi ka tsa dikoloto ho ba thusa ho etsa moralo wa lenaneo la tefo le pele tshebetso ena e ka hodimo ya molao e latelwa hona ho bolela hore hang ha o amohela lengolo la taolo / tsebiso ya hore akhaonto ya hao e a kolota, o lokela hore kapele o ye ho barekisi kapa moeletsi wa tsa dikoloto. 3.3 DIKAHLOLO LE DITAELO TSE DING TSA LEKGOTLA Haeba o saena karolo ya 57 mme o etsa phoso, kapa ha o saena karolo ya 58, kapa haeba o sa arabele pitso ya lekgotla la dinyewe, lekgotla le ka beha kahlolo kgahlano le wena ka bongata ba tjhelete e itseng e boletsweng e na le tswala le ditshenyehelo. Lekgotla le ka boela hape, kamora hore kahlolo e behwe, la fana ka e nngwe ya ditaelo tse latelang tse amanang le kamoo morekisi a tla boela a fumana tjhelete ya hae ka teng ho tswa ho wena : Taelo ya ho hatjwa ha thepa ya hao * Moromuwa wa lekgotla la dinyewe o tla rongwa ntlong ya hao ho etsa lenane la dintho tsohle tseo o nang le tsona (mohlala, fanetjhara ya hao, thepa ya kitjhini, koloi, jwalojwalo). Dintho tsena ho a fihla bongateng ba tjhelete eo o e kolotang di tla rekiswa fantising haese ha o na le tjhelete e batlehang mme o na le hona ho e lefa kaofela. Moromuwa wa lekgotla a ka nna a se kenyeletse lenaneng dibethe, mealo le diaparo mme tsena tsona o ka di boloka. Ha dintho tsena di se di rekisitswe, mme moromuwa wa lekgotla la dinyewe a se a lefilwe, tjhelete e setseng e tla fuwa morekisi. Haeba thekiso e sa hlahise letho bakeng sa ho lefa sekoloto sena, le ntlo ya hao, ntlo ya hao e ka nna ya rekiswa ka taelo ya lekgotla la dinyewe. Haeba ho na le tjhelete e setseng kamora thekiso, morekisi a ka kopa lekgotla la dinyewe bakeng sa ho ba le kgulo moputsong wa hao. Taelo ya ho hulwa moputsong wa hao * Ona ke o mong wa mekgwa e tlwaelehileng ya ho lefiswa ha sekoloto ho tswa ho moreki kamora hore kahlolo e dihwe. Mona, lekgotla la dinyewe le laela monnga mosebetsi ho hula sekoloto ka ditolomente tse boletsweng ho tswa moputsong wa hao. Ka nako e nngwe e bitswa ka phoso ka hore ke taelo ya garnishee. Ebile hape ha se molao hore monnga mosebetsi a hane ho hula tjhelete jwalokaha taelo e tswa lekgotleng la dinyewe. Taelo ya kgulo garnishee * Mona ke moo lekgotla la dinyewe le laelang motho e mong (hangata banka ya hao) ya o kolotang tjhelete ho lefa morekisi eseng wena. Mohlala, ka mohlomong haeba o no o na le polokelong ya hao ya akhaonto ya banka, mme o kolota morekisi , lekgotla

25 la dinyewe le ka laela banka ho lefa ho tswa akhaontong ya hao ya banka ho lefa morekisi. 3.4 DITSHENYEHELO TSE BOHLOKO TSA HO LEFA DIKOLOTO TSA HAO HO YA KA KAHLOLO FHo tswa ho se ka hodimo, o ka bona hore ho qosa tjhelete e ngata haholo haeba akhaonto ya hao e fuwa tikolohong ya pokeletso ya molao ha o lokele feela ho lefa sekoloto sa pele, empa jwale o ka lokela ho lefa tswala e ekeditsweng (ho ka o nka nako e telele ho lefa, mme tswala e lefiswa ka letsatsi le letsatsi), ditefiso tse ekeditsweng ho maqwetha, ho babokeletsi ba dikoloto, ho moromuwa wa lekgotla la dinyewe haeba ba ameha ho lefa tjhelete ho barekisi kapa bafani ba hao ba sekoloto. Mona re bontsha mohlala wa ditshenyehelo le tswala tse lefiswang hodima sekoloto moo kahlolo e beilweng e neng e le ya sekoloto sa mme lekgotla la dinyewe le laetse tefo ya tswala ya 15.5% ka selemo: (kahlolo ya sekoloto e lefilwe ka ho lekana ka dikgwedi tse 18) Tjhelete e kolotwang ho ya ka kahlolo Tswala ka 15.5% ka 18 dikgwedi Ditefo tsa molao (10% hammoho le VAT) x 18 tshebetso ya molao- (5% ya setolomente ka seng) = x 18 Ditefo tse lokelang ho leshwa TJHELETE YOHLE E LESHWANG(kenyeletsa) Maqwetha a mang a lefisa ditefobakeg sa mohala Le lengolo faeleng mme hona ho ka boela ha eketsa haholo (hlokomela hore ha o a lefiswa haholo Ke maqwetha hona ho ka etsahala!) ( x 18) Hlokomela hape hore tekanyetso ya tswala e ne e phahame haholwanyane, e.g. 22% or 30%, mme o ne o tla qetella o lefa tswala e ngata haholo le ditshenyehelo tse ding Mme ka nako e teletsana. Hape ha taelo ya tefiso e fanwe, hangata fantisi ya moromuwa wa lekgotla la dinyewe e tla qetella ka thepa e rekisitsweng ka tjhelete e tlase ho feta kamoo boleng ba yona bo leng ka teng mme kamora hore moromuwa wa lekgotla la dinyewe a nke ditefello tsa hae, ka mohlomong o tla be o ntse o saletswe o kolota tjhelete e ngata mme o se na fanetjhara ya hao le dintho tse ding. Ka tsela e jwalo ke molemong wa hao ho ikopanya le morekisi kapa leqwetha hang ha o fumana tsebiso ya eng kapa eng mme o etse ditlhophiso tsa ho lefa. Haeba o ke ke wa iketsetsa jwalo, fumana motho e mong ya ka o thusang kapa o ikopanye le mmokeletsi wa dikoloto kapa ofisi ya keletso ya bareki ya fanang ka thuso ka ntle ho tefo. Ho molemo hore o batle keletso ya mahala ka hore ho na le ba bangata ba tla ithaopa ho o thusa, ba o lefise mme ba o behe maemong a mabe ho feta kamoo o neng o le ka teng pele. Ka tsela e jwalo, sekoloto se senyenyane se qetella e ba tshitiso e kgolo ho wena

26 KAOLO YA 4 DITOKELO TSA MOEKI LE DITHAOLLO TSA TOKISO KA KETSO YA MOLAO BAKENG SA SEKOLOTO Ho na le ditaba tse ngata mabapi le bareki ba ileng ba sebetswa hampe ke babokeletsi ba dikoloto ba ba tshosang haeba ba sa lefe, mabapi le dikgulo tsa ditjhelete meputsong ya bona e leng ho siyang moreki a se na tjhelete ya letho eo a ka phelang ka yona, le baromuwa ba lekgotla la dinyewe ba rekisang thepa empa moreki a ntse a lokela ho lefa bongata ba sekoloto. e o fa tse ding tsa ditataiso tsa kakaretso le ho o tsebisa ka mekgwa ya tokiso eo o nang le yona maemong ana empa qetellong ya letsatsi, wena - moreki o lokela ho ema mme o hatelle Ditokelo tsa hao tsa Moreki. 4.1 DITATAISO TSA KAKAETSO Haeba o kolota tjhelete, kamehla lefa, leha e ka ba tjhelete e nyenyane hakae le eo o ka kgonang ho e lefa, ke ho re, o se ke wa be o se o sa lefe letho ha o ntse o lefa haholwanyane, o tla lefa tswala e fokotsehileng qetellong ka nako e tlang. Haholoholo o se ke wa thefulwa ke maikutlo wa re tjhelete e setseng e fosahetse ka tsela e jwalo ha ke na lefa letho haeba o kolota tjhelete, o tla lefiswa tswala ka letsatsi le letsatsi ho fihlela sekoloto se lefilwe ka botlalo. O se ke wa saena ditokomane dife kapa dife tse feela haeba o kotjwa ho saena karolo ya 57 kapa 58, etsa bonnete ba hore dintlha tsohle di tlatsitswe tjhelete e tshwanelehang, tekanyetso ya tswala e lokelang ho lefiswa, tjhelete ya setolomente sa kgwedi le kgwedi, hore o lokela ho lefa neng le hore na jwang. O se ke wa lefa tokomane eo o sa dumellaneng le yona seo o se saenelang se a o tlama mme se tla ba le ditlamorao ho wena. Etsa bonnete ba hore o na le khopi ya seo o se saenetseng bona ke bopaki mme bo o thusa ho tseba seo ditshwanelo tsa hao di leng sona. Kamehla tletleba haeba o na le bothata mme o fumane thuso haeba o ke ke wa etsa ditlhophiso e le wena. Kamehla ikopanye le morekisi le leqwetha pele o nka kgato efe kapa efe ya molao (ka lebaka la ditshenyehelo) mme kamehla boloka rekoto ya hore o buisane le mang, ka nako efe le hore ho buisanwe ka eng. Ntho ya bohlokwa ka ho fetisisa, rekota seo ho builweng ka sona ka ho ngola mme o romele lengolo kapa imeile ho bona (boloka bopaki ba sena ka hore o ka bo hloka ka nako e tlang ho rarolla nyewe). 4.2 DITSHIELETSO KGETHO YA KGOTHALETSO LE IN-DUPLUM Moreki o na le mekgwa e mmedi ya boitshireletso ho ya ka molao o tlwaelehileng le ka tlasa Molao wa Naha wa Mekitlane (National Credit Act) oo a ka o sebedisang haeba a qoswa ke morekisi bakeng sa tjhelete efe kapa efe. Hona ho bolela hore morekisi o na le hona ho o qosa bakeng sa tjhelete, empa o na le tokelo ya ho itshireletsa ka ho ipuella lekgotleng la dinyewe mme o ka atleha haeba tsena tse latelang di le teng:

27 4.3 MELAO YA MMOKELETSI WA DIKOLOTO Haeba mmokeletsi wa dikoloto a lefisa bakeng sa ditshebeletso tsa hae, di lokela ho ngodiswa ho Lekgotla la Babokeletsi ba Dikoloto mme ha ba a dumellwa ho: Sebedisa matla kapa ho o tshosa ho sebedisa matla kgahlano le wena kapa ba lelapa la hao /ho o hlekefetsa mmeleng wena kapa ba lelapa la hao. Fa, kapa ho tshosa ka ho fana ka dintlha ho monnga mosebetsi wa hao e leng ho ka amang menyetla ya hao jwaloka mosebeletsi. Fa ditokomane dife kapa dife tsa leshano eka ke tsa molao. Ho itlhahisa eka ke baofisiri ba sepolesa, baromuwa ba lekgotla la dinyewe kapa diofisiri tsa lekgotla la dinyewe. Hasa, kapa ho tshosa ka ho hasanya dintlha dife kapa dife tsa leshano mabapi le boemo ba hao ba ho ba le mekitlane. Lefisa ho feta moedi wa tefo o beilweng ke Khansele kapa Lekgotla. Ka tsela e jwalo, haeba o sa thabela mokgwa oo mmokeletsi wa sekoloto a o sebetsang ka ona, kapa o dumela hore o o lefisa ho feta tekano, tletleba ho Lekgotla la Babokeletsi ba Dikoloto ho Mohala: /8483. Ka kakaretso, haeba nako ya ho qetela eo ka yona o neng o lokela ho lefa tjhelete efe kapa efe akhaontong e ne e feta dilemo tse tharo (3) tse fetileng, o ka ipuella ka ho nganga hore qoso e se e ntse e kgethilwe mme ya behwa. Haeba o hlaha ka boitshireletso bona (mme e le nnete), ha o na tshwanela sekoloto ho hang. (Hona ha ho sebetse haeba kahlolo e se e entswe). Haeba tswala, ditefo le ditefiso hodima akhaonto di le ngata ho feta tjhelete e setseng e lokelang ho leshwa ka nako eo o entseng phoso ya ho se lefe ka lekgetlo la pele, o ka qosa hore tswala, ditefo kapa ditefiso di hlakolwe ho ya ka leano la in-duplum. 4.4 KE NENG EBILE KE KA MOKGWA OFE OO KAHLOLO E KA FETOLWANG KA ONA Haeba ho banahala hore ha o a fuwa kahlolo ka tshwanelo o ka etsa kopo ho lekgotla la dinyewe hore kahlolo e hlakolwe. Lekgotla la dinyewe le tla kgona feela ho hlakola kahlolo haeba: Kahlolo e beilwe o le siyo lekgotleng la dinyewe (ke hore, kahlolo eo e ne e le phoso), mme O etsa kopo ya ho hlakolwa ha kahlolo nakong ya matsatsi a mashome a mabedi (20) kamora hore o hlokomele hore kahlolo e entswe, mme O rata ho ipuella kgahlano le qoso eo mme o ka bolela ka tsebiso ya bopaki (affidavit) hore ke hobaneng ha o sa ka wa itshireletsa kgahlano le nyewe eo esale pele le hore boitshireletso ba hao kgahlano le qoso kapa kahlolo eo ke bofe

28 TAELO YA TEFISO YA EMOLUMENTE KE ENG? Haeba o sa lefe tjhelete eo o e kolotang, lekgotla la dinyewe le ka laela monnga mosebetsi o hula tjhelete moputsong wa hao ho lefa mofani wa hao wa sekoloto. Hona ho bitswa Taelo ya Tefiso ya Emolumente. DITLAMOAO KE DIFE? O qetella o lefa tjhelete e ngata haholwanyane ho feta tjhelete eo o hlileng o lokelang ho e lefa ya sekoloto. Hona ke hobane o lefa tswala hodima sekoloto le ditefo tse ding ho maqwetha. Ditefo tsa Moromuwa wa lekgotla la dinyewe Tswala Ditefo tsa leqwetha Khomishene ho beng ba mesebetsi (bahiri) DITOKELO TSA HAO KE DIFE? O ka etsa kopo ho Lekgotla la dinyewe hore taelo ya kgulo ya emolumente e fediswe haeba o nahana hore e sebedisitswe ka phoso kapa o ka batla hore tefo e fokotswe haeba tefoqonwana (instolemente) eo o lokelang ho e lefa e feta kamoo o ka kgonang ka teng

29 O ka etsa kopo ho Lekgotla la dinyewe hore taelo ya kgulo ya emolumente e fediswe haeba o nahana hore e sebedisitswe ka phoso kapa o ka batla hore tefo e fokotswe haeba tefoqonwana (instolemente) eo o lokelang ho e lefa e feta kamoo o ka kgonang ka teng. Makgotla a dinyewe le ona a hlakola dikahlolo haeba o ka bontsha hore o lefile ditefo mme o na le lengolo le tswang ho morekisi le bontshang hore sekoloto sa hao se lefilwe ka botlalo mme ha a na qeaqeo ya hore kahlolo ya hao e hlakolwe. Hangata dikopo o di etsetswa ke leqwetha. Haeba o batla ho boloka ditshenyehelong tsena, o ka e etsa e le wena. 4.6 HO ETSA KOPO LEKGOTLENG LA DINYEWE HO HLAKOLA EMOLUMENTE (KGULO MOPUTSONG) HOE E HLAKOLWE KAPA E FETOLWE Ditaelo tsa dikgulo tsa emolumente ho moputso kapa dihlapiso di ka fumanwa ka ntle ho molao ka nako e nngwe, mohlala, ha o saenetse tumellano ya hore kgulo moputsong wa hao ka nako e le nngwe le eo o etsang kopo ya kadimo ka yona. Taelo ya lekgotla la dinyewe le yona e ka nna ya se kgotsofatse haeba o sa kgone ho lefa instolemente. Jwale o ka etsa kopo lekgotleng la dinyewe hore taelo e hlakolwe kapa e fetolwe. Kopo ya hao e tla hloka hore e be le tokomane e ka hodimo e bitswang Tsebiso ya Tlhahiso moo o bolelang seo o se batlang, mme o tla tshwanela ho hlahisa affidavit. Hona ho tla beha dintlha tsa nyewe ya hao. Haeba o sa kgone ho lefa ditefello, o tla bolela seo o ka kgonang ho se lefa ka kgwedi le kgwedi mme o tla tshwanela dintlha tse feletseng tsa moputso kapa lekeno la hao le ditshenyehelo mme o hokele bopaki (mohlala, ditatemente tsa akhaonto, diresiti tsa rente, sephephetjhana sa moputso). Lekgotla la dinyewe jwale le tla tadima diakhaonto tsa hao mme le etse qeto hore ke eng se ka bang bobebe hore o ka se lefa. Ke molemong wa hao ho lefa haholwanyane kamoo o ka kgonang ka hore ha instolemente ya hao e le nyenyane, o tla lefa tswala e ngatanyana. 4.7 HO ETSA KOPO KGOTLA HO THIBELA THEKISO YA THEPA Haeba moromuwa wa lekgotla la dinyewe a fihla lapeng la hao kamora kahlolo mme a balella ka ho hokela thepa ya hao e ka suthiswang kapa e ka nkehang (tadima leqephe la 16), o ka etsa kopo ho lekgotla la dinyewe ho fedisa taelo eo. Lekgotla la dinyewe le ka etsa hoo haeba o ka paka hore o ka kgona ho lefa ditefello tsa ditolemente tsa nako le nako le/kapa diemolumente/moputso tse hulwang kgahlano le moputso wa hao. Hape o tla tshwanela ho lefa ditefello tsena tsa nako le nako haeba ho se jwalo taelo ena e tla boeletswa hape mme

30 thepa ya hao jwale e tla rekiswa. Haeba kgokelo e sa ye ka molao kapa e fosahetse, o ka boela wa etsa kopo hore taelo e hlakolwe. 4.8 HA O A THABELA DITEFO LE DITEFISO TSA MAQWETHA? ETSA HOE AKHAONTO E LEFELLWE LEKGETHO Ho na le ditletlebo tse ngata tse tswang ho bareki hore ditefo tsa maqwetha di phahame haholo mme ha ba tsebe kamoo ba ka hlahlobang ka teng seo ba ka se lefisang kapa kamoo ba ka ipelaetsang ka bona ka teng. Beng ba mekitlane le bona ba ka qosa se dumellwang e le moedi wa tefo ho ya ka melao ya Lekgotla la dinyewe. Ho na le meedi ya tefiso e mmedi ya kakaretso bakeng sa ditefo tsa molao moedi wa tefiso o tlwaelehileng le moedi o phahameng haholwanyane o sebetsang haeba moreki a dumela kapa lekgotla la dinyewe le laela jwalo. Ha o saenela kontraka ya hao, hangata ho tla ba le molawana o reng haeba o etsa phoso, taba ena e tla fetisetswa ho maqwetha mme o tla tshwanela ho lefa ditefo tsa leqwetha ho ya ka moedi kapa sekala sa leqwetha le moreki. Hona ho dumella morekisi ho bokella dintho tse ngata empa palo eo a ka e bokellang e a laolwa. Haeba o nahana hore o tla lefiswa haholo ho feta tekano, kopa setatemente se bontshang tse lefellwang mme haeba o sa kgotsofala, kopa sephephetjhana sa tefiso (bili) se lokelang ho lefellwa lekgetho lekgotleng la dinyewe (kopa dipuisano ha o lefa hona). Bothata ba ho etsa hona ke hobane ho boima hore moreki hore a etse sena ka boyena ka hobane hona ho batla tsebo e hlwahlwa haholo ho ka phephetsa haeba e se palo eo ho sa hlakang hantle hore e fosahetse. 4.9 O TLASA TAOLO EMPA HA O TSWE KA HAA SEKOLOTO? Bo bong ba mathata ka sekoloto ke taba ya hore ho na le batho ba bangata ba bapatsang ebile ba fa bareki tharollo ya ho tswa sekolotong empa ditharollo tsena di bolela hore o a lefa bakeng sa ditshebeletso mme hangata ha o ntlafatatse maemo a hao. Bareki ba bangata ba lahlehetswe ke ditjhelete ka ho ikisa tlasa taolo mme ba lefa molaodi tjhelete e itseng kgwedi le kgwedi e le hore a abele barekisi ba fapaneng tjhelete. Tabeng ya pele, balaodi ba a lefisa bakeng sa ditshebeletso tsa bona empa ke karolo feela ya seo o ba lefang sona e fumanwang ke barekisi. Ka yona nako eo, o ntse o tswela pele ho lefa tswala, mme tjhelete e setseng dikolotong tsa hao e ka ba ya phahama ho na le hore e theohe hobane morekisi o fumana tjhelete e nyenyane ho feta tswala e lefisitsweng. O lokela hore kamehla o kope molaodi setatemente sa akhaonto ya hao ya kabo mme o kope barekisi hore ba o fe ditatemente tsa bona e le hore o bone se lefilweng. Haeba o iphumana o le maemong a sa o thuseng ka letho haeba o ile wa tshepa e mong wa balaodi bana ba etsang phaello, ikopanye le bafani ba

31 hao ba sekoloto ho etsa ditlhophiso ebe o ya lekgotleng la dinyewe ho hlakola thuso eo ya taolo haeba o batla thuso, fumana ofisi ya keletso ya moreki kapa moeletsi wa bareki ya sa etseng phaello hore a o thuse. MOLAO WA BOHLOKWA Buisana le bafani ba hao ba sekoloto ka botshepehi pele bothata bo hlaha ba bangata ba bona ba tla o mamela! 4.10 O NA LE DIKOLOTO TSE NGATA? FUMANA THUSO YA HO ETSA MOALO WA HO LEFA Molao wa Naha wa Mekitlane (The National Credit Act) o dumella bareki ba nang le dikoloto tse ngata ho fumana thuso, ke ho re, haeba o ke ke wa fihlella kapa wa lefa ditshwanelo tsohle tsa mekitlane ya hao ka nako e loketseng. Thuso ena e tla bolela hore o ka ba le moralo wa ho lefa o sebeditsweng o ka etswang ka taelo ya lekgotla la dinyewe, mme o tla thusa ho etsa bonnete o ka kgona ho lefella ditefo tsa hao tsa kgwedi le kgwedi. Hona ho tla bolela hape hore O tla behwa lenaneng le ikgethileng la biro (le tla hlakolwa kapa ho tloswa ha o se o phethahaditse ditshwanelo tsohle tsa hao) O KE KE WA NKA MOKITLANE O MONG HAPE PELE O LEFA DIKOLOTO TSA HAO KA BOTLALO. Ho tla ba le tefo eo o e lefiswang esale pele e leng ho eketsang sekoloto sa hao. Mona ke kamoo tshebetso ena e tla sebetsa ka teng: Haeba o na le dikoloto tse ngata ho feta tekano, o ka thusa ka moralo wa ho lefa ekaba ka Ka ho itemoha hore o hloka thuso mme o ka etsa qeto ya ho atamela e mong wa bafani ba hao ba sekoloto ya ithaopang ho o thusa a sa behelwa melao o o thusa ka moralo wa ho lefa (etsa bonnete ba hore ke tshebeletso ya mahala); KAPA moeletsi wa tsa dikoloto kapa mothusi wa tharollo ya dingangisano kapa lekgotla la dinyewe tsa bareki, ya tla o thusa ka molao ka moralo oo (ba bang e tla ba ba etsang phaello mme ba lefise tefiso e baletsweng, ba bang e ka nna ya ba ba sa lefiseng ka phaello mme o ka nna wa lokela ho lefa tjheletana e nyenyane feela = ka tsela e jwalo, etsa bonnete ba hore o tseba ditefiso hore e tla ba bokae); KAPA ha o fumana lengolo le tswang ho morekisi moo a o tsebisang ka hore o morao ka ditefello tsa akhaonto ya hao, o lokela jwale ho o eletsa hore o batle thuso ho moeletsi wa tsa dikoloto haeba o na le ditletlebo kapa ha o batla keletso ka moralo wa ho lefa. Morekisi a ka ya ritela nyewe lekgotleng la dinyewe feela bakeng sa kahlolo haeba o sa arabe kapa o sa etse kopo ya ho thuswa ka boeletsi ba mekitlane nakong ya matsatsi a leshome (10) a tshebetso (le matsatsi a fetang a mashome a mabedi (20) kamora hore o hlolwe ho lefa);

32 KAPA ha nyewe ya hao e fihla lekgotleng la dinyewe mme moahlodi a tadima boemo ba hao,moahlodi pele a diha kahlolo, a ka laela hore nyewe ya hao e hlahlojwe ke moeletsi wa tsa dikoloto. Ha o kopana le moeletsi wa tsa dikoloto, o tla tlatsa foromo e tlwaelehileng ya kopo e tla kenyeletsa dintlha tsa lekeno, sekoloto le ditshenyehelo. Moeletsi jwale o tla eletsa barekisi bohle mme ha ba na dumellwa ho qala ka dikgato tsa molao ho fihlela matsatsi a fetang a mashome a tsheletseng (60) a fetile (esita le ka yona nako eo, moahlodi a ka dumela hore tshebetso ya tekolo ya sekoloto e tswele pele). Moeletsi wa tsa dikoloto kamora ho hlahloba dintlha tsohle, jwale o tla etsa qeto: haeba e nngwe ya dikadimo /mekitlane ya hao e fanwe ha bohlaswa feela ke ho re, haeba ka nako eo o entseng kopo ya mokitlane, morekisi o hlolehile ho hlahloba hore o ka kgona ho lefa sekoloto (hona ho bolela hore dintlha tsohle tseo o faneng ka tsona di ne di nepahetse haeba o sa fana ka dintlha tsohle ka botlalo le ka nnete, mokitlane ha o na bonwa e le o bohlaswa). Haeba kadimo e entswe ha bohlaswa, moeletsi wa tsa dikoloto o tla etsa kgothaletso lekgotleng la dinyewe mabapi le taba ena mme moahlodi o tla fana ka taelo bakeng sa tefo ya sekoloto sena, mohlala, tswala e fokoditsweng /tefo e kginnweng /ho behella thoko tse ding tsa ditshwanelo tsa moreki. Hopola: o tla tshwanela hore kamehla o nne o lefe tjhelete eo o e kadimilweng! haeba o fumana mathata a tjhelete, itlhophisetse moralo wa ho lefa e le hore o kgone ho lefa ditefello tsa kgwedi le kgwedi. Haeba barekisi ba amohela moralo, moeletsi wa tsa dikoloto a ka fumana TAELO YA TUMELLO e tswang lekgotleng la dinyewe, haeba barekisi ba sa amohele moralo, moeletsi wa tsa dikoloto o tla isa tlhahiso kapa kgothaletso ena lekgotleng la dinyewe mme moahlodi o tla etsa qeto hore o amohela tlhahiso kapa tjhe (bafani ba hao ba sekoloto ba tla ba le tokelo ya ho a hlaha lekgotleng la dinyewe ho a hanana le tlhahiso ena haeba ba rata ho etsa jwalo). O ka nna wa lebellwa ho lefa barekisi ka ho sebedisa boemedi ba tefo ya sekoloto hape o lokela ho hlahloba haeba ho na le ditefello bakeng sa hona. Ha o sebetsana le batho kapa mekgatlo e o thusang ka meralo ya sekoloto le tefo ya dikoloto tsa hao, kamehla o hlokomele hore ba lefisa bokae bakeng sa ditshebeletso tsa bona ka lebaka la hobane hona ho eketsa sekoloto seo o seng o ntse o na le sona. Ba kope ho fana ka ditefiso tsa bona esita le ditshenyehelo mme tsena di ngolwe fatshe

33 Sebedisa kgetho e nang le ditshenyehelo tse tlase ka ho fetisisa (empa ba hlile ba lokela hore ba be hlwahlwa mme ba tsebe seo ba se etsang) haeba moeletsi wa sekoloto a le teng ho o thusa ka ntle ho tefo kapa ka tefello e tlase, ena ke kgetho e ntle ka ho fetisisa ka hore ba mpa ba rata ho o thusa feela, eseng ho iketsetsa tjhelete (batla ditsi tse sa lefiseng tsa keletso kapa di-ngo tse sa sebetseng ho fumana phaello). Bafani ba bang ba sekoloto ba ka ithaopa ho fana ka tshebeletso ya mahala ya tefello ya sekoloto mme ena le yona e ka boela ya ba kgetho e ntle empa hlahloba seo ba kgothaletsang hore se a kgotsofatsa ebile se a tshwaneleha. Qetellong, haeba o ke ke wa fumana e nngwe ya dikgetho tsena tse pedi, batla moeletsi wa dikoloto ya lefisang empa hlokomela haholo ditefiso mme o hlokomele hape hore ba etsa seo ba lokelang ho se etsa. Bakeng sa moeletsi wa tsa dikoloto sebakeng sa heno, kapa haeba o na le moeletsi wa tsa dikoloto eo o sa kgotsofalang ka lebaka la hae mme o batla ho tletleba, ikopanye le Molaodi wa Naha wa Mekitlane (National Credit egulator) ho Mohala: kapa 0860 NC NC KGAPO YA THEPA E EKILWENG KA MOKITLANE Molao wa Naha wa Bareki (The National Credit Act) o bile o fana ka tshireletso e eketsehileng bakeng sa bareki ba rekileng dintho tse itseng ka kadimo ya setolemente, ba fumaneng kadimo kapa kgiriso mme ebe ba etsa phoso ha ba lefa ditolemente tsa bona. Ho tloha ka Phupjane 2007, o na le hona jwale ho kgutlisa dintho kapa thepa ho morekisi nakong ya matsatsi a mahlano a tshebetso kamora ho fana ka tsebiso e ngotsweng ya hore o hlakola tumellano. Morekisi jwale o lokela ho o fa tekanyetso e ngotsweng ya boleng ba thepa eo nakong ya matsatsi a 10 a tshebetso. Nakong ya matsatsi a tshebetso a 10 o ka boloka thepa mme wa tswela pele ka kontraka kapa wa dumella morekisi ho rekisa thepa e le ho iphumanela theko e ntle e ka kgonehang ho fumaneha. Hang ha thepa e se e rekisitswe, o tla fumana tsebiso e ngotsweng e nang le dintlha tsa thekiso le tjhelete efe kapa efe eo o ka e kolotang haeba ho bile le kgaello e itseng. Kgaello ena e lokela ho leshwa hobane morekisi a ka fumana kahlolo kgahlano le wena. Haeba o sa kgotsofala bakeng sa thekiso, o lokela ho ikopanya le morekisi kapa o fumane thuso ya monamodi kapa o ikopanye le lekgotla la heno la provense la dinyewe tsa bareki

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