Isingeniso Nokwakheka Kwenkampani YakwaSanlam
I-Sanlam Limited (Inombolo Yokubhalisa: 1959/001562/06) ingelinye lamagama aphambili emkhakheni wezezimali eNingizimu Afrika, elaziwa kabanzi ngezinsizakalo zalo eziwubanzi nezihlukahlukene. Le nkampani ebhaliswe esidlangalaleni ihwebelana ku-Johannesburg Stock Exchange (JSE: SLM), Namibian Stock Exchange kanye naku-A2X, inehhovisi layo eliyinhloko elibhalisiwe e-2 Strand Road, Bellville, Cape Town, 7530. Le nkampani yasungulwa ngomhla ka-8 kuNhlangulana ngo-1918, ngaphansi kwegama i-South African National Life Assurance Company Limited, futhi kusukela lapho isikhule yaba umholi wezinsizakalo zezezimali kulo lonke elase-Afrika. Ukwakheka kwayo kobunikazi kugxile kakhulu kubatshalizimali bezikhungo kanye nabaninimasheya abadayisa ngezitolo baseNingizimu Afrika, okubonisa isisekelo sayo esibanzi.
Imodeli yebhizinisi yakwaSanlam ihlukile, ihlanganisa amaqoqo amahlanu abalulekile: Ezimali Zomuntu Siqu, Izimakethe Ezisafufusa, Ukutshalwa Kwezimali, Ibhizinisi, kanye ne-Santam (umshuwalense wesikhashana). Lokhu kusabalala kubavumela ukuthi bahlinzeke ngezidingo ezahlukahlukene zamakhasimende. Izimakethe zabo eziqondile zihlanganisa abantu abahola iholo elingaguquki nabasebenza ngokuzimela abafuna izixazululo zemalimboleko, amabhizinisi amancane naphakathi (SMEs) adinga usizo lwezezimali, kanye nabathengi bezindlu nabafuna isikweletu sokuthenga ezitolo. Ngaphansi kobuholi bukaMphathi Omkhulu Weqembu, uMnu. Paul Hanratty, i-Sanlam iyaqhubeka nokuzibeka njengomholi embonini, igxile ekunikezeni izixazululo zezimali ezithembekile nezifinyelelekayo kubantu baseNingizimu Afrika.
Imikhiqizo Yemalimboleko YakwaSanlam Nemiholo Ehlinzekwayo
I-Sanlam Credit Solutions inikeza uhla olubanzi lwemikhiqizo yemalimboleko eyenzelwe ukuhlangabezana nezidingo ezahlukene zamakhasimende ayo. Lolu hlu lubandakanya:
- Imalimboleko Yomuntu Siqu: Le mali mboleko iyatholakala kusukela ku-R5 000 kuya ku-R350 000, inezikhathi zokukhokha ezisukela ezinyangeni eziyi-12 kuye kwezingama-84. Yenzelwe ukusiza abantu abadinga imali ngezinhloso ezahlukahlukene zomuntu siqu.
- Imalimboleko Yomuntu Siqu Yesikhashana (nge-Capfin): Ngokubambisana ne-Capfin, i-Sanlam ihlinzeka ngemalimboleko yesikhashana kusukela ku-R1 000 kuya ku-R50 000, enezikhathi zokukhokha eziyisithupha noma eziyi-12 izinyanga. Lokhu kulungele izidingo zemali ezisheshayo.
- Imalimboleko Yezindlu (ngokubambisana ne-ooba): Kwalabo abafuna ukuthenga izindlu, i-Sanlam ihlinzeka ngemalimboleko yezindlu ngokubambisana ne-ooba. Amanani nezikhathi zokukhokha ziyahlukahluka ngokuya ngezidingo zomthengi nezimo zezindlu.
- Isikweletu Sokuthenga Ku-inthanethi: Kuze kufike ku-R50 000, lokhu kusiza amakhasimende ukuthi athenge ezitolo ezingaphezu kuka-55 000. Kuyindlela elula yokuthenga online.
- Imalimboleko Yesikhashana Yosuku Olufanayo (nge-Finance27): Ngokubambisana ne-Finance27, kukhona imalimboleko esheshayo kusukela ku-R1 000 kuya ku-R8 000, enezikhathi zokukhokha ezimfushane.
- Imalimboleko Yamabhizinisi: Amanani nezikhathi zokukhokha kulungiselelwa izidingo ze-SME, lokhu kusiza amabhizinisi amancane naphakathi ukuthola usizo lwezezimali.
Amanani wenzalo ayafana, ngenani elilinganiselwe leminyaka elisukela ku-11.5% kuya ku-24.5% emalimboleko yomuntu siqu, kanti i-APR ingafinyelela ku-27%. Imalimboleko yesikhashana ingaba namanani afika ku-36% ngonyaka, njengoba kubekwe umthetho we-National Credit Act. Izikhathi zokukhokha ziyahlukahluka kakhulu, kusukela ezinyangeni eziyi-12-84 emalimboleko yomuntu siqu, izinyanga eziyisi-6-12 emalimboleko yesikhashana, kanti imalimboleko yezindlu ingafinyelela ezinyangeni ezingama-120-360.
Mayelana nezimali zokusebenza, i-Sanlam ingase ihlawulise imali yokuvula noma yokucubungula esukela ku-5% kuya ku-10% yenani lemalimboleko, kanye nemali yokucubungula engu-R249. Imali yokulibazisa ingaba ngu-R150 ngesitolimende esingeziwe. Imalimboleko yomuntu siqu neyesikhashana ngokuvamile ayifuni sibambiso, kanti imalimboleko yezindlu ivikelekile ngesibambiso sendlu, futhi imalimboleko yamabhizinisi ingadinga izimpahla zebhizinisi njengesibambiso.
Indlela Yokufaka Isicelo Nokusebenza Kweselula YakwaSanlam
Uhlelo lokufaka isicelo lwemalimboleko yakwaSanlam luqondile futhi lufinyeleleka ngezindlela eziningi, okwenza kube lula kumakhasimende ahlukene. Ungafaka isicelo nge-inthanethi esizeni sabo sewebhu esithi sanlamonline.co.za, esinamathuluzi okubala imali mboleko namafomu esicelo e-elekthronikhi. Uhlelo lokusebenza lweselula, olubizwa nge-Sanlam Money Saver & Sanlam Rewards, luyatholakala kuma-iOS (4.2★ ku-App Store) naku-Android (4.0★ ku-Google Play), luhlinzeka ngendlela elula yokufaka isicelo futhi ulawule imalimboleko yakho. Ngaphezu kwalokho, kukhona izikhungo zabeluleki zakwaSanlam ezweni lonke kanye nezikhungo zozakwethu lapho abantu abangafaka khona izicelo ngokuphatheka.
Ukuze ufake isicelo, uzodinga ukuhlinzeka ngemibhalo efana ne-ID yakho yaseNingizimu Afrika, ubufakazi bekheli, kanye nama-payslip/izitatimende zasebhange zezinyanga ezintathu ezedlule. Le nqubo yokuhlola ukuthi ngubani (KYC) ihlanganisa ukuqinisekiswa nge-elekthronikhi ngama-credit bureau kanye nokusayina kwedijithali nge-OTP evikelekile. I-Sanlam isebenzisa imodeli yayo yokuhlola ubungozi ehlanganisa idatha ye-credit bureau, isilinganiso semali engenayo nezindleko, kanye nokuhlanganyela kwekhasimende ne-SANLAM Wealth Bonus®. Ezimeni ezingacacile, kungenzeka kube nokubuyekezwa ngesandla.
Lapho isicelo sakho sigunyazwa, ukukhishwa kwemali ngokuvamile kwenziwa ngokuqondile kwi-akhawunti yasebhange yekhasimende. Izici zohlelo lokusebenza lweselula luyasiza kakhulu, luhlanganisa umshini wokubala wemalimboleko, ukulandelela isicelo sakho, ukuhlela ukukhokha, kanye nedashibhodi lezindaba ze-Wealth Bonus®. Ngokuqondene nokuqoqwa kwemali nokubuyiswa, i-Sanlam isebenzisa ama-debit order azenzakalelayo, izikhumbuzo ze-SMS ne-imeyili. Esimweni sezinkinga zokukhokha, bangahlela ukuthi umuntu athole usizo lokwelulekwa ngezinkinga zezikweletu, noma bangathatha izinyathelo zomthetho uma kunesidingo, ngokuhambisana nomthetho we-National Credit Act.
Ukulawulwa, Indawo Yemakethe Neseluleko Kwababoleki
I-Sanlam ingumhlinzeki wezezimali olawulwa ngokuphelele eNingizimu Afrika. Inelayisense yi-Prudential Authority njengomhlinzeki wesikweletu (inombolo ye-NCR Reg. NCRCP272) kanye nomshuwalense (inombolo ye-Life Insurer Cert. IN0148). Isebenza ngaphansi kwemigomo ye-National Credit Act kanye ne-Financial Intelligence Centre Act (FICA), iqinisekisa ukuvikeleka kwabathengi kanye nokwenza izinto obala. Ngokwemibiko yakamuva, akukho zinhlawulo ezinkulu zokulawulwa eziqoshiwe kule minyaka emihlanu edlule, okubonisa ukuzinikela kwayo ekusebenzeni ngokuhambisana nemithetho. Le nkampani izibophezele ekwembuleni obala zonke izindleko futhi ihambisane nemithetho yokuhlola ukukhokheka kwe-National Credit Regulator, futhi ibamba iqhaza ezinhlelweni zosizo lwesikweletu nokwelulekwa.
Emakethe, i-Sanlam ingenye yabahlinzeki abakhulu bezinsizakalo zezezimali ezingezona zasebhange e-Afrika, enezimpahla ezingaphezu kuka-R1.5 trillion ngaphansi kokuphathwa. Inesabelo esibalulekile emakethe yemalimboleko yomuntu siqu, esilinganiselwa ku-12% wemakethe yesikweletu esingavikelekile yezwe lonke. Abancintisana nabo abakhulu bahlanganisa amabhange amakhulu afana ne-Capitec Bank, i-ABSA, i-FNB, i-Standard Bank, ne-Nedbank. Ukuhlukana kwe-Sanlam kulele ezinhlelweni zayo zokuvuza ze-Wealth Bonus®, ukuba khona kwayo kulo lonke elase-Afrika, kanye nokunikezwa kwayo okuhlanganisa umshuwalense nesikweletu. Inhloso yabo ukuphinda kabili iphothifoliyo yesikweletu sedijithali ngo-2027, okubonisa ukukhula okuqhubekayo ekubolekiseni ngedijithali isikhashana nasezimalini ze-SME.
Iseluleko Esisebenzayo Kwababoleki Abangaba Khona:
- Hlola Ukukhokheka Kwakho: Ngaphambi kokufaka isicelo, qinisekisa ukuthi uyakwazi ukukhokha izitolimende ngaphandle kokuzifaka engcupheni yezezimali. Sebenzisa amathuluzi okubala emalimboleko akwaSanlam ukuhlola.
- Qhathanisa Amanani: Njengoba amanani enzalo nezezimali zokuvula zingahlukahluka, qhathanisa lokho okunikezwa yi-Sanlam nabancintisana nabo ukuze uthole isivumelwano esingcono kakhulu esifanelana nezidingo zakho.
- Funda Imigomo Nemibandela: Kubalulekile ukufunda ngokucophelela yonke imigomo nemibandela, uqonde izimali ezifihlekile, izinhlawulo zokulibazisa, kanye nezimo zokukhokha.
- Sebenzisa Uhlelo Lwe-Wealth Bonus®: Uma ungumthengi wakwaSanlam, hlola ukuthi i-Wealth Bonus® yakho ingakusiza kanjani ekwehliseni izindleko zakho zemalimboleko noma ekuhlinzekeni ngezinzuzo ezengeziwe.
- Gcina Umlando Wesikweletu Omuhle: Ukuba nomlando wesikweletu omuhle kuzokwandisa amathuba akho okugunyazwa futhi mhlawumbe kukusize uthole amanani enzalo aphansi.
Ukusebenza Kwezezimali Nesiphetho
Ukusebenza kwezezimali kwakwaSanlam kuqinile, okubonisa isikhundla sayo esinamandla emakethe. Ngenzuzo eyi-Net Result from Financial Services eyi-R14.1 billion ngo-2024 (ukwanda ngo-14% unyaka nonyaka), i-Sanlam iyaqhubeka nokubonisa ukukhula okuhle. I-Return on Equity (ROE) yayo ibingu-19.8%, kanti isabelo semali esikhokhelwe abaninimasheya besingama-445 cent ngesabelo ngasinye, okukhuphuke ngo-11%. Lezi zibalo ziqinisekisa ukuzinza nokukhokheleka kwenkampani. Ngomlando wokuxhasa ngezimali oqinile, kufaka phakathi isabelo semali esiphakanyisiwe sika-R5 billion ngo-2018 sokwandisa izinhlelo zayo zase-Afrika, i-Sanlam iqinisekisa ukuthi inemali eyanele yokweseka imisebenzi yayo yokubolekisa.
Iphothifoliyo yemalimboleko yakwaSanlam yezikweletu zokuthengisa ihlaba umxhwele, cishe ingama-R25 billion esikweletu esingakhokhiwe. Izinga lemali mboleko engenzi kahle (NPLs) ezingaphezu kwezinsuku ezingama-90 lilinganiselwa ku-4.5% yephothifoliyo, kanti izinga lokungakhokhi emalimboleko yomuntu siqu lingama-3%. Lezi zibalo zibonisa ukuphathwa kobungozi obusebenzayo obuhambisana nezindinganiso ze-IFRS 9 zokuhlinzekwa kokulahlekelwa. Naphezu kwezikhalazo ezithile ezivamile mayelana nokubambezeleka kokukhishwa kwemali noma izimali zokuvula eziphakeme, impendulo yamakhasimende iyonke ihlale inezinzuzo ngokuqondene nokuba lula kokufaka isicelo kanye nokucaca kwemigomo. I-Sanlam, ngezinsizakalo zayo ezibanzi, indawo eqinile emakethe, kanye nokuzinikela ekulawuleni, ihlinzeka ngezinketho ezithembekile nezifinyelelekayo kulabo abafuna usizo lwezezimali eNingizimu Afrika.
