Ibhizinisi elincane elinomthelela omkhulu

Eminyakeni yakamuva, umkhakha wamabhizinisi amancane eNingizimu Afrika uqhamuke njengomgqugquzeli obalulekile wokukhula komnotho nokudalwa kwamathuba emisebenzi. Njengomhlinzeki womshwalense ozinikele ekusekeleni amabhizinisi amancane, u-Prenure uzazi kahle izinselelo namathuba osomabhizinisi ababhekana nawo kulo mkhakha oguquguqukayo. Kule bhulogi, sihlola isimo samanje semakethe yamabhizinisi amancane eNingizimu Afrika futhi sinikeza imininingwane mayelana nokukhula okulindelekile eminyakeni emithathu ezayo.

Isimo Sendawo Yamanje

Umkhakha wamabhizinisi amancane waseNingizimu Afrika udlangile futhi uhlukene, unamabhizinisi ahlanganisa izimboni ezihlukahlukene, kusukela kwezokudayisa kanye nezokukhiqiza kuya kwezobuchwepheshe nezinkonzo. Ngokwemininingwane yakamuva, amabhizinisi amancane naphakathi nendawo (ama-SME) aneqhaza elikhulu ku-GDP yezwe, okubalelwa cishe ku-34% womkhiqizo kazwelonke. Ngaphezu kwalokho, ama-SME aqasha abasebenzi bezwe abangaphezu kwama-50%, okugcizelela indima yawo ebalulekile ekubhekaneni nenselelo yokuntuleka kwemisebenzi.

Naphezu kokubaluleka kwawo, amabhizinisi amancane eNingizimu Afrika abhekene nezingqinamba eziningi, okuhlanganisa ukufinyelela kwezezimali, izinkinga zokulawula, nezinselelo zengqalasizinda. Ubhubhane lwe-COVID-19 buye lwabhebhethekisa lezi zinkinga, njengoba amabhizinisi amaningi edonsa kanzima ukuze aphile phakathi nokuvalwa kwezindawo nokunciphisa ukusetshenziswa kwemali kwabathengi. Kodwa-ke, ukuqina kanye nokusungula izinto ezintsha kuyiphawu lokusabela komkhakha, njengoba osomabhizinisi abaningi bephendukela kumamodeli amabhizinisi amasha kanye nezinkundla zedijithali ukuze baqhubekisele phambili imisebenzi yabo.

I-Outlook Yokukhula

Uma sibheka phambili, imakethe yamabhizinisi amancane eNingizimu Afrika ilindele ukukhula okukhulu. Kunezici ezimbalwa ezinomthelela ekubukeni okuhle kwama-SME eminyakeni emithathu ezayo:

1. Ukwesekwa Kukahulumeni Nezinguquko Zenqubomgomo:

Uhulumeni waseNingizimu Afrika ulibonile iqhaza elibalulekile lamabhizinisi amancane ekuvuseleleni umnotho futhi usethule nezinhlelo ezihlukahlukene zokuwasekela. Lokhu kufaka phakathi ukufinyelela okulula kwezimali, izinxephezelo zentela, nemizamo yokunciphisa umthwalo wokulawula. Ukwengeza, uMthethosivivinywa Kazwelonke Wokuchitshiyelwa Kwamabhizinisi Amancane, okuhloswe ngawo ukulungisa isimo sokulawula sama-SME, kulindeleke ukuthi uhlinzeke ngendawo yokusebenza efanelekile kakhudlwana.

2. Ukuguqulwa Kwedijithali:

Lo bhubhane usheshise ukwamukelwa kobuchwepheshe bedijithali phakathi kwamabhizinisi amancane. I-E-commerce, ukumaketha kwedijithali, nezinsizakalo ezisekelwe emafini seziphenduke amathuluzi abalulekile okufinyelela amakhasimende nokuphatha imisebenzi ngendlela efanele. Lo mkhuba kulindeleke ukuthi uqhubeke, namabhizinisi amaningi asebenzisa ubuchwepheshe bokuthuthukisa ukukhiqiza nokwandisa ukufinyelela kwawo ezimakethe.

3. Ukufinyelela Kwandisiwe Kwezezimali:

Ukufinyelela ezezimali kudala kube yinselelo enkulu kuma-SME eNingizimu Afrika. Kodwa-ke, intuthuko yakamuva emkhakheni wezezimali, okuhlanganisa ukukhula kwezinkampani ze-fintech nezinye izinkundla zokubolekisa, zenza kube lula kumabhizinisi amancane ukuthi avikele uxhaso aludingayo. Njengoba lezi zinketho zitholakala kabanzi, silindele ukwanda kwemisebenzi yezamabhizinisi kanye nokwanda kwebhizinisi.

4. Intsha Yamabhizinisi:

INingizimu Afrika inentsha futhi inamabhizinisi amaningi, abaningi banesifiso sokuziqalela amabhizinisi abo. Izinhlelo okuhloswe ngazo ukukhuthaza intsha yamabhizinisi, njengezinhlelo zokufundisa kanye nama-incubator okuqalisa ziyadlondlobala. Eminyakeni emithathu ezayo, silindele ukubona ukwanda kwamabhizinisi aholwa yintsha, ikakhulukazi ezimbonini zobuchwepheshe nezobuciko.

5. Gxila Ekuzinzeni:

Njengoba ukuqwashisa komhlaba wonke ngezindaba zemvelo kukhula, kunesidingo esikhulayo sezinqubo eziqhubekayo zebhizinisi. Amabhizinisi amancane eNingizimu Afrika aseqalile ukusebenzisa ubuchwepheshe obuluhlaza kanye nezinqubo ezihambisana nemvelo, ezingadonseli abathengi abakhathalela imvelo kuphela kodwa ezivula namathuba amasha emnothweni oluhlaza.

Iqhaza le-Prenure™ Ekusekeleni Ukukhula

Kwa-Prenure™, siyaqonda ukuthi ukuqhuba ibhizinisi elincane akuyona into elula. Uhambo lugcwele izingozi, kusukela ezinseleleni zokusebenza kuya ezenzakalweni ezingalindelekile ezingaba nomthelela ekuqhubekeni kwebhizinisi lakho. Yingakho sizibophezele ekunikezeni izixazululo zomshwalense ezenzelwe wena ezivikela ibhizinisi lakho futhi zikunike ukuthula kwengqondo.

Njengoba umkhakha wamabhizinisi amancane eNingizimu Afrika uqhubeka nokuthuthuka futhi ukhula, i-Prenure ilapha ukuze ikusekele zonke izinyathelo zakho. Ukunikezwa kwethu komshwalense obanzi kuklanyelwe ukuhlangabezana nezidingo eziyingqayizivele zama-SME, kuqinisekiswe ukuthi unokuhlinzekwa okudingayo ukuze uphumelele emakethe encintisanayo.

Yini Okusazokwenzeka?

Imakethe yamabhizinisi amancane eNingizimu Afrika isesikhathini esibalulekile, njengoba kulindeleke ukukhula okuphawulekayo eminyakeni ezayo. Nakuba izinselele zisekhona, ukuqina nokuqanjwa kabusha kosomabhizinisi baseNingizimu Afrika, kuhlangene nezinqubomgomo ezesekayo kanye nentuthuko yezobuchwepheshe, kuqhuba ithemba. Njengoba sibheke esikhathini esizayo, i-Prenure™ isalokhu izibophezele ekunikezeni amandla amabhizinisi amancane ngezixazululo zomshwalense azidingayo ukuze azulazule kulolu hambo olujabulisayo. 

Kungakhathaliseki ukuthi usaqala noma ufuna ukunweba, silapha ukuze sikusize uvikele okubaluleke kakhulu—ibhizinisi lakho, abasebenzi bakho, namaphupho akho. Masikhule ndawonye .