Ukuthenga e-Eswatini

Izindlela zokuthenga ezisemthethweni zihlanganisa i-Super-Spar, i-Shoprite, i-Pick n Pay, izinxanxathela zezitolo, izakhiwo zezitolo, izitolo ezithengisa izinto ezidingeka ngokushesha nabathengisi bezimpahla ezijwayelekile. Izitolo ezincane, ama-spaza, amatafula okuthengisa, izimakethe, abadayisi basemgwaqweni nabathengisi bemikhiqizo noma bezandla kunikeza ezinye izindlela, ikakhulukazi zezimpahla zansuku zonke nemikhiqizo eyenziwe endaweni. I-spaza isitolo esincane sasendaweni. Umdayisi wasemgwaqweni uthengisa impahla etafuleni, enqoleni noma endaweni ehambayo. I-Buy Eswatini inikeza umsebenzi wemakethe yedijithali yasendaweni yemikhiqizo nabathengisi. Ukudla nezinto eziyisisekelo zasekhaya kutholakala ezitolo ezinkulu, ezitolo zasendaweni, kuma-spaza, ezimakethe, kubalimi noma kubathengisi bemikhiqizo nasemakethe yokudla. Izingubo zithengiswa ezitolo ezifana ne-Jet, i-Mr Price, i-Woolworths, i-Truworths ne-Edgars, kanye nasematafuleni, ezimakethe nakubathengisi bezandla. Imikhiqizo yokuzinakekela nezinto zasekhaya kuvame ukuthengwa kanye nokudla ezitolo ezinkulu, ezitolo ezincane nakubathengisi bezimpahla ezijwayelekile. Ubuchwepheshe butholakala ezitolo ezisemthethweni, ezinxanxatheleni zezitolo, kubathengisi be-inthanethi nakuma-spaza omakhalekhukhwini, ayisigaba esaziwayo selayisensi yokuhweba okungahlelekile. I-lilangeni yimali yase-Eswatini, ibhalwa ngo-E; ubuningi bayo ngesiNgisi ngu-emalangeni. I-lilangeni elilodwa lilingana nerandi elilodwa laseNingizimu Afrika. Amanani ayahlukahluka ngomkhiqizo, umthengisi, indawo nendlela yokuthengisa, ngakho ukuqhathanisa kufanele kufake inani lokugcina, ezokuthutha nanoma iyiphi imali yokulethwa noma yesevisi. Ukheshi usalokhu uyindlela yokukhokha ethandwayo ezitolo. Kusetshenziswa namakhadi nemishini yokukhokhela, ukubhanga nge-inthanethi, ukubhanga ngeselula nemali yeselula. Abahlinzeki bezinkokhelo abanamalayisensi e-Central Bank of Eswatini bahlanganisa i-MTN Fintech, i-E-Mali, i-Instacash, izinsizakalo zemali yeselula ze-Shoprite ne-DeltaPay. I-EPS Fast Payments ibisebenza ezweni kusukela ngoZibandlela 2024 futhi isekela ukudluliselwa kwemali phakathi kwama-akhawunti nezikhwama. Esikhathini sayo sokubika sango-2024/25, i-Central Bank yabala ukuthengiselana kwemali yeselula okuyizigidi ezingu-12.9 okunenani lika-E2.8 billion namakhasimende abhalisiwe angu-742,379. Yabika ukukhula okungu-17.4% enanini lokuthengiselana nokungu-9.1% enanini lemali uma kuqhathaniswa nesikhathi esandulele. I-Central Bank ixwayisa ngemiyalezo engamanga, ukwabelana ngama-PIN nemikhonyovu yemali yeselula. I-Digital Lilangeni ayikakhishwa. Abathengisi be-inthanethi kufanele banikeze imininingwane yokuxhumana, izici eziyinhloko zomkhiqizo, inani eliphelele elihlanganisa ezokuthutha, izintela nezimali, indlela yokukhokha evikelekile, imigomo yenkontileka nerekhodi lokuthengiselana. Isinyathelo sokukhokha kufanele sivumele umthengi ukuba abuyekeze, alungise noma ahoxise i-oda ngaphambi kokulithumela. I-Electronic Communications and Transactions Act 2022 inemithetho yokukhansela nesikhathi sokucabangisisa, kodwa isaziso sayo samanje sokuqala ukusebenza kufanele sihlolwe ngaphambi kokuthembela kuyo. Lapho izinhlinzeko ezisebenzayo sezisebenza, ukwephulwa kwezimfuneko zolwazi lwe-inthanethi noma zoku-oda kungavumela ukukhansela zingakapheli izinsuku eziyi-14, kanti isikhathi sokucabangisisa sezinsuku eziyi-7 ngokuvamile siqala lapho impahla yamukelwa noma inkontileka yesevisi iphothulwa. Okungafakwa kulo mthetho kuhlanganisa ukudilivela kokudla nezinto ezisetshenziswa nsuku zonke, impahla ebola ngokushesha, impahla eyenzelwe umuntu othile, nesofthiwe, umsindo, amavidiyo, izincwadi noma omagazini abangakavulwa uphawu. Umthengi angase akhokhe izindleko eziqondile zokubuyisa impahla, kanti ukubuyiselwa kwemali kungathatha izinsuku ezingafika kwezingu-30. I-oda ngokuvamile kufanele ligcwaliswe zingakapheli izinsuku ezingu-30; ngemva kokubambezeleka, umthengi anganikeza isaziso esibhaliwe sezinsuku ezingu-7 sokukhansela. I-Fair Trading Act 2001 ne-Competition Act 2007 zisekela ukuphathwa ngokulinganayo kokuthenga kwabathengi. I-Eswatini Competition Commission isingatha izikhalazo ezijwayelekile ngezimpahla nabathengisi. Gcina irisidi, qala ngokuthinta umthengisi bese ubhala impendulo. Isikhalazo kuKhomishini simahhala; inqubo yokuxazulula ngokuvumelana ingathatha cishe amasonto amabili, kanti inqubo ephikisanayo ingathatha izinsuku zokusebenza ezingafika kwezingu-90. Izikhalazo zezinsizakalo zezimali nezinkokhelo kufanele ziqale ziye kumhlinzeki, bese zidluliselwa emsebenzini ofanele wokuvikela abathengi we-Central Bank noma, lapho kufaneleka, ku-Financial Services Regulatory Authority. Izikhalazo zobuchwepheshe bolwazi nokuxhumana nezeposi kufanele ziqale kumhlinzeki bese zidluliselwa ku-Eswatini Communications Commission. Akukho lungelo likazwelonke elivamile lezinsuku eziyi-14 lokubuyisa impahla ethengwe esitolo elisungulwe ngokujwayelekile, ngakho inqubomgomo yokubuyisa yomthengisi namaqiniso engxabano abalulekile. Izindinganiso ze-Eswatini Standards Authority ngokuvamile aziphoqelekile ngaphandle uma umthetho, umthetho wezobuchwepheshe noma inkontileka kuzenza zibophe. Ukuqinisekiswa komkhiqizo nophawu lwe-Ingelo kuwubufakazi bokuzithandela obuhlobene nekhwalithi. Imithetho yezikhwama zepulasitiki ilawula ukukhiqizwa, ukungenisa nokusetshenziswa, ikhuthaza ukuphinda kusetshenziswe nokugaywa kabusha, futhi ihlinzekela intela lapho kuthengiswa ezitolo, ezitolo ezinkulu, eziteshini zikaphethiloli nakwezinye izindawo. Inqubomgomo ihlose ukuvala izikhwama ezingaphansi kwama-micrometer angu-24 ukujiya nokuthuthukisa ukuhlukaniswa kwemfucuza nemikhuba yokusebenzisa izinsiza kabusha, kodwa abukho ubufakazi obusekela ukucabanga ukuthi kuvinjelwe zonke izikhwama ezweni noma ukuthi inethiwekhi yokugaywa kabusha itholakala yonke indawo.