Bugebengu betetimali netikimu tekukhohlisa lobucondziswe kubantfu baseNingizimu Afrika
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Bugebengu betetimali netikimu tekukhohlisa lobucondziswe kubantfu baseNingizimu Afrika

Lombiko wentelwe kucaphelisa batsengi baseNingizimu Afrika ngetinkhohlakalo tetimali nome telutjalomali, nekutsi uyibona njani inkhohlakalo lengenteka kuwe nekutsi futsi ufunele kutsi utjele bani nangabe kukhona inkhohlaklalo loyatiko nome nangabe ube ngulomunye webantfu lababe bahlukunyetwa bayo.

Loluhlobo lwenkhohlakalo lungachazwa njengesikimu senkhohlakalo (lesingemanga)lesentiwa bantfu, ngemacembu nome yinkampani ngemitamo yekutfola imali nome lokunye lokutsite lokuligugu kuwe. Bachubi betikimu letingemanga batenta sengatsi babantfu labaphakeme nebetigaba letitsite futsi bangaphindze babe bantfu lobatiko. Lesikimu lesingemanga sichutjwa ngelucingo, ngekubamba umhlangano nome nge-inthanethi. Lesikimu lesingemanga singabamba nanome nanome ngubani, ingabe umncane nome umdzala, ufundzile nome awukafundzi.

Tikimu letingemanga tentelwa inhloso yinye – kwakha imali. Linyenti lato livela ngaphandle kweminyele yaseNingizimu Afrika futsi naleto letenteka ngekhatsi kweminyele yaseNingizimu Afrika atikho emtsetfweni. Lamabhizinisi lawa langekho emtsetfweni atsenga tincwadzi temakheli netinhlu temakheli etincwadzigezi etilulwini temininingwane yekutsintsana. Ema-ejenthi etikhungo tetincingo nome "emabhrokha" (bantfu labatsenga babuye batsingise imphahla nalabahlela tivumelwane) anikwa umsebenti wekukushayela lucingo, ngekwemitamo yekukunika litfuba lekwenta lutjalomali lolutsite. Khumbula imuvi letsi “the wolf of wall street”(imphisi yesitaladini lubondza). Licembu lemajaha liheha bantfu libaphocelele ngetindlela letiphasi kutsi batsenge imikhicito yetemnotfo etimakethe tetimali . Kulusizi kutsi, bantfu labatfola imali ngulabachubi benkhohlakalo. Batjalimali balahlekelwa yimali. Lona-ke ngumhlaba lesiphila kuwo lamuhla. Ludzaba lolungulo mbamba futsi lolunemandla seluyenteka eNingizimu Afrika futsi sidzinga kutsi sivikele imali yetfu tsine ngekwetfu.

Mariekie Jansen loneminyaka lenge-60 longuthishela losewatsatsa umhlalaphasi watfola lucingo emnyakeni lowendlulile. Lona lowamshayela lucingo bekaphimisa emagama ngendlela lengakatayeleki futsi wenta netitsembiso tekutsi imali yaMariekie yempensheni itawube seyiphindzeke kabili kungakapheli nemnyaka . Lomshayilucingo watenta wakholweka mbamba. Mariekie lekafanele kutsi akwente nje bekukutsenga sitoko lebesitsengiswa ngulomuntfu. Mariekie-ke, ngekuchazwa ngulomcondvo wekutsi imali yakhe itawube seyiphindzeke kabili kungakapheli umnyaka, wacabanga ngato tonkhe tintfo langatenta ngalemali leyengetekile. Ekugcineni bekatawukhona kutsengela indvodzana yakhe imoto lensha bese unika litfumbu lakhe (umntfwana wakhe wekugcina), Julia litfuba lekuyewufundza ekolishi. Watjala-R100 000 wemali yakhe yempensheni. Ngenhlanhla lembi, ngemuva kwekutsi Laura afake lemali, waba nebulukhuni bekutfola lenkampani leyetsembisa kuphumelelisa emaphupho akhe futsi kwatsi lapha nakabatfola, lenkampani yamtjela kutsi akabeketele imali yakhe itawuyitfola. Sekuphele umnyaka kantsi futsi Laura kute imali layitfolile nome atfole-ke lokungenani le-R100 000 yakhe.

Lendzaba lengetulu isibonelo selutjalomali lolungemanga/loluyinkhohlakalo lolubuye lubitwe ngekutsi yinkhohlakalo/ngumsebenti wasebhayeleni (boiler room scam/operation). Leligama lisho tincingo letishaywa sikhungo setincingo sitsengise tintjalomali ngelucingo (lokuphindze kubitwe ngekutsi kushaya lucingo ngenhloso yekutsengisa). Umchubinkhohlakalo usebentisa emasu lanencindzetelo lenkhulu nemanga/kungatsembeki, ekutsengisa emasheya, kufakwa emisebentini yangasese nome kutfutfukiswa kwetakhiwo. Bakwenta kutsi wetsembe kutsi loku labakunika kona “kulivelakancane” nekutsi futsi ufanele kutsi ulisebentise lelitfuba lesikhashana. Njengobe lemikhicito (sitoko) labayitsengisako ayikho emtsetfweni, nalo lolwatiso labatsengisi labalusebentisako lungaba ngemanga futsi lukhohlise ngenca yesifiso sabo lesibengamako sekutfola ikhomshini (imali). Lama-ejenthi esikhungo setincingo acamba emanga atsi anemahhovisi emaveni lehlukene kute bente sengatsi lenkampani yabo ibalulekile nekutsi futsi injingile, kepha ecinisweni banemahhovisi netinkampani letingekho, letingemanga. Futsi linyenti lalama-ejenthi ete ngisho neticu tekusebenta embonini yelutjalomali nome bete imvume yekutsengisa imikhicito yetetimali. ENingizimu Afrika bonkhe batfulitinsita betimali (ema-FSP) bafanele kutsi bagunyatwe yiBhodi Yetinsita Tetimali (i-FSB). Imininingwane yabo isekugcineni kwale-athikili.

 

I-FSB isandza kukhipha sicapheliso semmango sabo bonkhe bantfu baseNingizimu Afrika lesimayelana nalenye inkampani lefanana naleti lekukhulunywa ngato lebitwa ngekutsi; yiFraser Mackie Wealth Management (yi-FMWM) letinte ngaphandle kweminyele yaseNingizimu Afrika. Lenkampani iseSanto Domingo, eDominican Republic futsi yetama kutfola takhamuti taseNingizimu Afrika kutsi titjale imali kuyo ngekubatsembisa imbuyiselo lenkhulu, k.k. kuphindza lolutjalomali kabili. I-FMWM ayisiye umtfulitinsita wetetimali logunyatiwe futsi ngako-ke ayikavumeleki kuchuba tinsita tetimali eNingizimu Afrika. Liciniso kutsi lamanye emave ete umkhawulo lomkhulu wekulawula bantfu bangaphandle kutetimali nome etindzaweni tekuciniswa kantsi-ke bachubi betinkhohlakalo basebentisa lelitfuba leli kutsi libavune ngobe kumatima kakhulu kulandzelela nekujezisa babhebhetseli.

Sikhungo Semshoshaphansi Setimali (i-FIC) sisandza kukhipha incwajana lenesihloko lesitsi “Kulwa nebugebengu betetimali eNingizimu Afrika” lecuketse lwatiso lolumayelana nekutsi yini bantfu baseNingizimu Afrika lekufanele bayicaphele kanye nekutsi bangakugwema kanjani kutsi babe bahlukunyetwa balokukhohliswa lokwetayelekile. Lombiko wemkhakha ugcile ekukhwetfuweni kwebugebengu lobuvame kakhulu, uchaza kutsi lobugebengu busebenta kanjani nekutsi kungagwenywa kanjani kuba ngumhlukunyetwa. Lencwajana ichaza tinhlobo tekukhohliswa letisiphohlongo letivame kakhulu eNingizimu Afrika kwamanje. Kubalulekile kwati kutsi kunetikhohliswa lokusha lokucatjangwa onkhe malanga futsi loku kunemandla futsi kuyimboni lenemandla nalegucugucukako. Lecwadzi ingatfolakala       ngekufacata kulelinki lelandzelako;

https://www.fic.gov.za/DownloadContent/NEWS/PRESSRELEASE/FIC_Typologies_report_FINAL.pdf

Emasu Etikimi Letingemanga

1.        Setsembiso sekutfola imbuyiselo lenkhulu kulutjalomali lolunelizinga lebungoti leliphasi. Lutjalomali lusincumo lesikhulu ikakhulu nangabe wehlukana nemali yakho loyisebentele kamatima. Tsatsa sikhatsi ngembi kwekutsi wente lutjalomali. Nangabe ucelwa kutsi uphendvule masinyane “kulelitfuba lelivela kanye kuphela emphilweni”, vele nje loko ukubone njengenkhomba yekutsi loyo muntfu/inkampani uyakucindzetela. YEKELA.

2.        Umgatjali imali entfweni longayivisisi futsi ungawasayini emadokhumenti nome emakontileka ungakawafundzisisi. (Caphela kubhaleka kabi kweluhlelo lwelulwimi nesipelingi).

3.        Yenta lucwaningo ngalenkampani lekushayela lucingo. Tfola imininingwane yabo yekutsintsana, likheli lendzawo futsi wetame nekubavakashela. Iwebhusayithi ayisibo bufakazi bekutsi lenkampani ikhona futsi isemtsetfweni. Linyenti laletinkampani tinemanga “tenta intfo ibukeke sengatsi inguloku lekucatjangwa kutsi kungiko”. Hlola ku-FSB kutsi leyo kampani inalo yini ligunya lekuchuba ibhizini eNingizimu Afrika (e-SA).

4.        Ungakufihli loku lotsenjiswe kona. Tfola imibono yebantfwana bakho, bangani, kanye nabomakhelwlane. Loku kutawubenta kutsi bati kutsi sikimu semanga nekutsi bente njani nabo nabangabashayelwa lucingo. Futsi bangakwati nekukucaphelisa nangabe kukhona labakwatiko ngesikimu semanga saloluhlobo.

5.        Gcina lwatiso lwakho luyimfihlo. Ungakhipha lwatiso lolunyenti ngebunguwe bakho nome simo sakho setemphilo elucingweni. Bachubi betikimu temanga basebentisa emasu laneluvelo nalakuphocelela ngetindlela letiphasi kute kutsi batfole imali yakho. Ungatiphendvuli tincwadzigezi, ema-SMS nome tincingo leticela imininingwane yakho.

6.        I-inthanethi yetfule inkhundla lensha yebachubi betikimu letingemanga futsi sebatfumela tincwadzigezi kubantfu labanyenti ngalokubanti. Kungenteka kutsi sewuke watfola incwadzingezi lekutsembisa lifa letigidzi temaRandi; nangabe uphendvulile kungenta kutsi utfole kutsi konkhe nje lokufanele kutsi ukwente bekukufaka imali letsite ku-akhawunti yelibhange lakho kute kutsi ukhulule lemali lotsenjiswe yona. Utsini ngetikimu letingemanga telotho, utfola i-SMS lecinisekisa kutsi uwine tigidzi temayuro kulotho yemaYuro, kepha ube ungakate uyidlale nekluyidlala leyo lotho. Linyenti letfu litfole ngisho nencwadzigezi letsi abacinisekise imininingwane yabo yasebhange. Libhange angeke licele imininingwane yakho yasebhange ngencwadzigezi, ngelucingo nome nge-SMS. Tetsiyo tetikimu letingmanga, tincwadzigezi letingemanga, bugebengu lobentiwa ku-inthanethi bekutfola lwatiso lwemuntfu lwetetimali loluyimfihlo nekucelwa kusita ngemali kutsatfwa ngekutsi kukhohlakala nekweba kantsi futsi-ke kumane nje kusinyatselo sekucala salokukhulu lokuseta.

Letinye tinhlobo tetikimu letingemanga

I-JunkMail liphephandzaba laseNingizimu Afrika letikhangiso letihlelwe ngemikhakha letsite lelitfolakala naku-inthanethi. Likhiphe emakhasi e-inthanethi lamanengi mayelana nesikimu lsingemanga lesibitwa ngekutsi; “Tinhlobo tetikimu temanga leti-10 letiphuma embili eNingizimu Afrika”, "Emasu Ekuvimba” kanye “netikimu lengemanga leti-10 letiphuma embili ku-inthanethi”. Letikimu letingemanga tifaka ekhatsi tikimu letingemanga letinge-419 taseNigeria, letetama kutfola imininingwane yemuntfu leyimfinhlo yetetimali ngekusebentisa i-inthanethi, kutfola imininingwane yemuntfu letiyimfinhlo yetetimali ngekusebentisa makhalekhikhini, kucinisekisa kukhokhelwa timali lokungemanga, kukhokhiswa imali ngalokungasiko kwentelwe kutfola lwatiso ku-inthanethi, kuntjintja ema-SIM (SIM khadi), kufoja emakhredithikhadi , tinsita tekubhalisa etintfweni letite similo, imikhicotombumbulu netikimu temanga letentiwa ku-Microsoft. Ungafundza kabanti ngekutsi ufacate kulelinki lelandzelako; http://www.junkmail.co.za/blog/the-top-10- scam-types-in-south-africa/6897

Letinye tikimu letingemanga lekufanele kutsi utati nguleti;

●      tikimu letingemanga tekukhokhela phambilini (kukhokha phambilini imali yentfo letsite);

●       inkhohliso/emanga indali/kurenta(kucashisa),

●       umuntfu asebentise kutatisa kwakho atsenge imphahla);

●       lusito nakwenteke inhlekelele (nikelani imali yebahlukunyetwa besivunguvungu);

●       kutsandzana kwaku-inthanethi (tikhohlakali tidlala ngemiva yebafati nemadvodza langakashadi kute titfole imali);

●       i-software lengemanga (utjelwa kutsi dawunlode i-software yamahhala kepha le-software idzinga kutsi ufake imininingwane yakho bese iwumika lomchubi wesikimu semanga);

●       sikimu lesingemanga setekuhamba nekuvakasha (ufuna indzawo yekuhlala ngesikhatsi sakho semaholisi futsi ukhokhela phambilini     bese utfola kutsi kute indzawo lenjalo);

●       tikimu letingemanga tetidzakamiva letincunyiwe;

●       tikimu letingemanga tetikhatsi temaholidi,

●       tikimu letingemanga tekusebentela ekhaya (tikudzinga kutsi ulungise tincwadzi lekufanele kutsi utiposele bantfu labanengi labehlukene labaseluhlwini;

●       tinklayo nemincintiwano;

●       imali loyitfola kuntsela (i-SARS itsandza kukubuyisela imali yakho futsi ikudzinga kutsi ungene ebhange lakho nge-inthanethi. i-SARS angeke ite ikwente loko); kanye

●       netikimu letingemanga tekwenta umusa (kudlala ngemiva/umhawu webantfu kute kutsi utfole imali ekuhawukelweni nome tilwane letigulako, kantsi kute lutfo). Facata kulelinki lelandzelako kute utfole lwatiso lolubanti http://www.iunkmail.co.za/bloa/scam-prevention-tiDs/125

 

Ngubani lengingamshayela lucingo kute ngicinisekise kutsi ingabe inkampani letsite inalo yini ligunya lekutsengisa tetimali?

Batsengi bakhutsatwa kutsi bamhlole umuntfu nome inkamapani labatsenga kuyo imikhicito nome tinsita tetetimali kutsi ingabe unalo yini ligunya lekutsengisa nome lekuniketa tinsita tetetimali. Shayela lucingo Sikhungo setincingo se-FSB ku: 0800202087 / 0800110443 kute uhlole kutsi ingabe umuntfu/inkampani lotsenga kuyo iyi-FSP nekutsi ingabe banalo yini ligunya lekutsengisa imikhicito yetetimali nome kuniketa tinsita tetetimali.

Ngifuna kubika bugebengu betetimali, ngubani lelingamtsintsa?

Kubika tinsolo tekubolekisa imali ngebugebengu betetimali nome kwesekela imisebenti yemaphekulisakhuni ngetimali ku: https://www.fic.gov.za/Secure/Reports.aspx

Nome-ke, nangabe awukwati kwenta umbiko ngekusebentisa incwadzigezi, ucelwa kutsi utfumele umbiko ngefeksi ku:(012) 641 6438 nome ngeliposi ku: Private Bag x177, Centurion 0046.

Imibuto nekufuna lwatiso:

Ibhodi Yetinsita Tetimali (-FSB)

Incwadzigezi: info@fsb.co.za nome

Inombolo yamahhala: 0800 202087/0800 110443

Vakashela: www.fsb.co.za

Iwebhusayithi yebatsengi: www.mylifemymoney.co.za

Incwadzigezi: CED.Consumer@fsb.co.za