Iyini isabelomali?

Noma yimuphi umbuso awukwazi ukufeza umsebenzi wawo oyisisekelo (isimiso somnotho) ngaphandle kokusebenzisa izindlela ezifanele zomnotho. Ngesikhathi esifanayo, ayikwazi ukuthola imali ngokwayo futhi isebenze imisebenzi yokuhweba ukuze kuqaphele lo msebenzi. Yingakho izinsiza zemali ezidingekayo zakha isabelomali sesifundazwe, ingxenye yaso engenayo eyagcwaliswa, ikakhulukazi ngenxa yentela.

Isabelomali sakhiwe kanye ezinyangeni eziyishumi nambili, kaningi kulo nyaka kukhona izimo ezingalindelekile ezithinta kakhulu ukuqaliswa kwayo kanye nokuqaliswa kwenqubomgomo yombuso wokuzinza.

Ukuze uqonde ngokugcwele incazelo yomqondo ocatshangelwayo, kubalulekile ukuthola ukuthi yini isabelomali.

Lokhu, okokuqala, uhlelo lokusebenzisa imali olutholakalayo lokugcina impilo, imfundo, ukuvikela nezinye izinto ezisezandleni zikahulumeni.

Okwesibili, uhlelo lokuhola, olwakhiwe ngenxa yesistimu yentela, kanye nezinye izinkokhelo ezingekho intela kanye nemali. Kulesi simo, ingxenye yengeniso kufanele ibe ngokucacile kwisabelomali, isb. Ngabe yimiphi imiqulu okufanele inkokhelo yentela ifakwe kumongo wezintela ezinkulu.

Okwesithathu, ngokuvumelana nesabelomali esilungisiwe, uhulumeni wenza izikweletu ezithile ngonyaka, futhi kumele akhokhe inzalo kumalimboti asevele ekhona.

Inqubo ephoqelekile kwinqubo yesabelomali ukuhlinzekwa kombiko wokusebenza kwesabelomali. Le dokhumenti ibaluleke kakhulu, njengoba kufanele irekhode zonke izindleko zombuso zonyaka odlule.

Ngamanye amazwi, kungaboniswa ukuthi isabelomali esinjalo sihlobo sokulinganisela phakathi kwemali engenayo kanye nezindleko zikahulumeni, ibhalansi okungaba yinto enhle (insalela) noma engalungile (ukungaphumeleli).

Isabelomali sombuso sinethonya elikhulu emnothweni wezwe, futhi ngesikhathi esifanayo sinomthelela kakhulu kunoma yiziphi izinguquko (ezomnotho noma ezombusazwe) zombili ezweni kanye nangaphandle kwemvelo. Ukubambisana kwesabelomali kanye nomnotho wasekhaya wombuso kungabonakala esibonelweni sezimali ezengeziwe ezenziwa yizimboni ezintsha, okuzosiza ekukhiqizeni okukhudlwana futhi kwandise ingxenye yezimali. Noma, ngokungafani, ukwanda kwamanani entela kuhlanganisa ukwehlisa kwemali yabantu, futhi, ngokufanayo, ukwehla ezingeni lokusetshenziswa. Ngokutshala izimali ezengeziwe embonini yokukhiqiza yombuso (imishini, imboni yamalahle , njll), inkokhelo yabantu iphakanyisiwe, ukungabi nemisebenzi kuncishisiwe futhi umphumela omuhle wezezimali uzuzwa-ukwanda kwemali yentela kanye nokunciphisa ukulahlekelwa kwesabelomali.

Uma ucabangela umqondo wokuthi "yiyiphi isabelomali", umuntu akanakuhluleka ukusho umsebenzi obalulekile wombuso, ohlanganisa ukwabiwa kwemithombo yezimali. Yimali yesabelomali yombuso engumthombo oyinhloko wokulondoloza isigaba esingavimbelwe sabantu (abakhubazekile, izimbangi, izakhamuzi ezihluphekile). Laba bantu bakhokhelwa izinzuzo ezengeziwe, izinsizakalo ezithile zinikezwa, futhi kunikezwa ukusekelwa kwezezimali.

Iyini isabelomali? Lokhu kuzwakala yilowo magatsha omnotho, okubhekiselwe kulo mqulu wezomthetho njengento eyigugu, futhi kuyingxenye yesabelo sezimali sesabelomali sokuthi izimali zokutshala izimali ezidingekayo ekugcinweni kwazo kanye nentuthuko zizinzile. Ngemuva kwalokho, ukuthuthukiswa okuphumelelayo kombuso, ukuthuthukiswa okuqhubekayo kwezimboni ezinomqondo obhekene nezici zokulondoloza amandla nezidingo kuyadingeka.