Ukwazisa: Ifashoni Yerhafu Esetyenziselwa Ulwando Oluthe Tye

Ingxelo yezoqoqosho yaseIndiya iye yayiqonda ngokukhulayo indima ebalulekileyo yoosomashishini bamabhinqa. Ngokugxininisa kwimiqathango yokufakwa kwemali kunye nokulingana kwamabhinqa, urhulumente uye wadibanisa amalungiselelo angqalileyo erhafu kwinkqubo ebanzi yerhafu ukukhuthaza amashishini adityanisiweyo. Injongo imbini: ukunciphisa umthwalo werhafu kumabhinqa athengisa irhafu kwaye wenze imo yendalo exhasayo enciphisa imiqobo yokungena. Ukusuka kwiinkcitho zerhafu ezithe ngqo ezinxulumene neeprojekthi zikarhulumente, imigaqo yerhafu enika amabhinqa abaphathi bezoshishino imigaqo-mali ukuba agcine iindlela ezininzi ezingundoqo zokubuyiselwa nokukhula.

Kwiminyaka yakutshanje, urhulumente uye wandisa imiqathango yokuthobela imigaqo-nkqubo yokusebenza korhwebo oluncinci, uninzi lwalo olungolwabafazi. Eli nqaku lihlolisisa amalungiselelo angundoqo phantsi koMthetho weMali yerhafu, ucwangciso olukhethekileyo oluneengenelo zerhafu, kunye nempembelelo ecacileyo ezi nkqubo eziye zaba nayo kushishino. Sikwaxubusha nangeengozi ezinokwenzeka kunye neenkcitho eziluncedo kubathengisi bamabhinqa ukuze kunyuswe iinzuzo ezikhoyo.

Imiyalelo Engqalileyo Yerhafu Kumabhinqa

Iminikelo enikwa abasebenzi

[[NTL:0] Unyuso lwe-80G loMthetho weMali yerhafu efunyenweyo luvumela ukuhlaziywa kweminikelo eyenziwa kwimali yoncedo evunyiweyo. Kumabhinqa oosomashishini anqwenela ukudibanisa uxanduva lwezentlalo-ntle (CSR) kwimodeli yeshishini lawo, eli candelo linciphisa ingeniso ehlawulwayo ngomlinganiselo wama-50% okanye i-100% womnikelo, kuxhomekeka kumbutho ofanelekileyo. Oku kuyimfuneko ngokukodwa kwimiqathango edityaniswe kwisiqalo esifuna ukwakha ukuthembeka komcimbiso ngexesha lokunciphisa irhafu.

Ukuhlaziywa kufumaneka kubo bonke abaqeshi berhafu, kuquka ii-propritations, amaqabane, kunye neenkampani zamabhinqa. Noko ke, uxwebhu olunenkathalo lubalulekile. Iminikelo kufuneka yenziwe kuphela kwimibutho ebhalisiweyo phantsi kweCandelo lama-80G, kwaye amarisithi kufuneka agcinwe. Kumabhinqa asebenza amashishini amancinane, olu hlaziyo lusoloko luncitshiswa ngenxa yokungaqondi. Indlela yokwenza izinto — njengokubeka iminikelo enamaxabiso eshishini — ingenza inzuzo yerhafuthelekelelo ibe yinto elungelelanisiweyo.

Icandelo 80GG: Ukhuthuzo oluntsonkothileyo lwamabhinqa

Amabhinqa amaninzi arhweba ngokusebenza kwindawo eqeshiweyo, ingakumbi kumanqanaba okuqala ephulo lawo. Ukuhlawulwa 80GG anika isincopho serente ukuba umnini weshishini akanayo indawo yokuhlala. Uthelekelelo luvumelekile kumazantsi: 765,000 ngenyanga, 25% yemali epheleleyo ehlawulwayo, okanye ukuqeshwa kwemali ehlawulwayo ehlawulwayo ethabatha 10% yemali epheleleyo ehlawulwayo.

Eli lungiselelo liluncedo ngokukhethekileyo kumabhinqa asebenza amashishini asekelwe ekhaya kodwa aqeshe indawo eyahlukileyo yezorhwebo. Kufuneka kuphawulwe ukuba umthengisi akanakubiza olu lwabiwo ukuba unempahla yendlu (ozixakeke ngayo okanye ungayivumeli) naphi na kwilizwe. Kumabhinqa ahlala kwindawo yokuqesha asebenza kwishishini lawo ngoxa eqhuba idilesi enye, uthelekelelo lwerente lungaphinda luthiwe ukuba ulwalamano nomnini-mali lubhaliwe kwaye irente ihlawulwa ngomjelo oqingqiweyo.

Iingenelo Zerhafu Yokuqalisa Ngaphantsi Kokuqala Okuphambili KweIndiya

Yaqaliswa ngo 2016, inyathelo lokuqala i-Indiya linika iholide yerhafu yeminyaka emithathu kwingeniso yengeniso yokuqalisa okufanelekileyo. Ukuqalisa kwamabhinqa kunganceda ukuba i-Recounting of Industry and InterFrection (DPIIT). Iholide yerhafu isebenza kwiminyaka emithathu elandelelanayo ukusuka kwiminyaka yokuqala elishumi yokuqalisa ukudityaniswa, ukuba ukuqala akusungulwanga ngokudityaniswa kweshishini elikhoyo.

Ukongeza, ukuguqulelwa kwamabhinqa afuna ukuguqula izinto zobuqu zibe lishishini linika ingeniso yekomkhulu imvume yokungangeni kwimali yengeniso kubantu abathengisa impahla yokuhlala okanye i-asethi yexesha elide kwaye libonelele iziphumo zokuqalisa ngokufanelekileyo. Oku kuluncedo kakhulu kubathengisi bamabhinqa abafuna ukuguqula izinto zabo zobuqu zibe likomkhulu leshishini ngaphandle kokuhlawulwa irhafu kwingeniso. Ukuqala kufuneka kuthenge imali yokuthenga isityalo nomatshini omtsha ngonyaka omnye.

Kubalulekile ukuphawula ukuba ezi nzuzo zixhomekeke kwiimeko ezinjengokugcina umlinganiselo onciphileyo nokungasasazi iingenelo ngexesha leholide yerhafu. Amabhinqa athengiselana noogqirha berhafu ukuqinisekisa ukuba athobela kwaye aphephe ukupheliswa kamva.

Udweliso lobalo lokuqokelela irhafu: Icandelo 44AD ne-44ADA

Kwishishini elincinane kunye nomsebenzi, uMthetho weMali yeTshayina yeTshayina yeTsikiti unika irhafu erhafu efunekayo phantsi I-AD (kumaziko afanelekileyo) kunye ISAFIC 44ADA [kulo msebenzi ochaziweyo njengomthetho, wezonyango, injineli, ingcaciso, i-akhawunti, njalo njalo-njalo). Le migaqo ivumela amabhinqa ukuba avakalise ingeniso ngesantya esimiselweyo (8% okanye 6% yemali egqithisileyo yentengiso ezingeyo ezidityanisiweyo kunye nezolwazi lwamanani, phantsi kwecandelo 44-AD) ngaphandle kokufuna ukulondolo lweencwadi ezineenkcukacha zeengxelo.

Oku kutshintsha imidlalo kumabhinqa amaninzi asebenza kwiivenkile ezincinane zokuthengisa, amashishini enkonzo, okanye imisebenzi yokukhulula. Kunciphisa umthwalo ophantsi komnxeba kunye neemfuno zophicotho. Noko ke, kanye umhlawula irhafu uvakalisa ingeniso phantsi kwerhafu ebhatalwayo iminyaka emithathu elandelelanayo, abanako ukubuyela kwimiba eqhelekileyo kwiminyaka emihlanu elandelayo ngaphandle kokuba bagqithe kumda ophezulu (3 kwemali efunekayo yamashishini, 0.75kh ye-lakh yemisebenzi phantsi kwecandelo 44A). Abafazi mabavavanye ukuba ngaba irhafuthelo yabo yerhafu ifanele ingeniso enyanisweni phambi kokuba bakhethe oko.

Udweliso lorhulumente okhethekileyo olunoqhagamshelwano lwerhafu

Pradhan Mantri Mudra Yojana (PMMY)

[[NTL: 0] Umdra Yojana, endululwe ngo- 2015, inikezela ngemali-mboleko ekhuselekileyo yesisa ukuya ku-7610 lakh kwimisebenzi engeyoyoyo-farm emincinci. Ngelixesha isicwangciso ngokwaso sisibonelelo sokuthenga ngetyala, sineemfuno ezinkulu zerhafu.

Okokuqala, inzala ehlawulwa kwimali-mboleko yeMudra ikhutshwa njengendleko yeshishini phantsi kwe Ukuhlawula 36(ii) yoMthetho we-Inhome Taxis. Okwesibini, oorhulumente abaninzi banikela inzala okanye iimbuyekezo zerhafu kumabhinqa abolekayo phantsi kweplani. Umzekelo, amanye amaphondo anika i-2% yenzala emali ehlawulwa ngexesha elifanelekileyo, nto leyo enciphisa ngokunempumelelo indleko yeko loshishino. Ngaphezu koko, imali yokuboleka ayiphathwa njengengeniso ezandleni zababoleki-mali, ngoko akukho tyala livela kwinqununu.

Isicwangciso seMudra sicaciswe ngokwemigangatho emithathu: Shishu (ukuya kutsho kumawaka angamashumi amahlanu anesihlanu), iKishor (8850,001 ukuya kutsho kuma 765 lakh), kunye neTarun (885,01,000 ukuya ku 7610 lakh). Oosomashishini bamabhinqa kufuneka baphawule ukuba nangona imali ebolekiweyo izimele ngaphandle, kufuneka bagcine iingxelo ezifanelekileyo zokuchaza inzala encophozo. Isicwangciso siye saphumelela kakhulu kumaqela anjengeparlons, iiyunithi zokulungisa, ulungiso lokutya, kunye nezithulelo zezandla, apho ubunikazi buphezulu.

Umgangatho wobugcisa wamabhinqa (WEP)

Iqaliswe yi NITI Aiyagog, Amabhinqa e-Entrepreneurship Platform (i-WEP) yindawo yezobugcisa edibanisa amabhinqa noosomashishini nezibonelelo, ulawulo, kunye namaziko emali. Iqonga likwanikezela ngezikhokelo zerhafu kunye nezixhobo zokunceda iifayile zamashishini zibuyise ngokufanelekileyo.

Ngeli xesha iWeP inganiki ngokuthe ngqo uphumlo lwerhafu, inceda amabhinqa ukuba ahambe kakuhle kwindawo entsonkothileyo ngokudibanisa irhafu kunye noochwepheshe berhafu nokunika uluhlu lokuthengwa nokungahlawulwa. Le platfomu ikwabalaselisa inkxaso-mali yezorhulumente kunye neeholide zerhafu zeqela lamabhinqa. Umzekelo, amazwe athile afana neTamil Nadu ne Karnataka anikela ukukhulula ekuhlawuleni izitente nakubhalisa iindleko zepropati zokudlulisela amabhinqa abathengisi. Ezi nzuzo, nangona zingephantsi koMthetho werhafuthezo, zinciphisa iindleko zoshishino.

I-Status Udweliso lwe India

I I-indiya-ephezulu izicwangciso zokukhuthaza urhwebo phakathi kwamabhinqa kunye nodidi olucwangcisiweyo/izizwe ezimiselwe ngokunika iimali ezibolekwayo zebhanki phakathi kwe 7610 lakh ne 761 kwishishini eliluhlaza. NjengoMudra, inzala kwezi mali zibolekiweyo incitshiselwe njengemali yeshishini. Ngaphezu koko, isicwangciso sidla ngokuza ngesakhiwo esizinzileyo esinciphisa inzala, ngokungekho mthethweni, ukuphucula ingeniso kunye nokuphumelela kwerhafumfa.

Amabhinqa asebenzisa imali-mboleko ye-Sstand à Up Indiya kufuneka aqinisekise ukuba agcina iincwadi ezahlukeneyo ze-akhawunti zeshishini nezorhwebo lobuqu. Ukuxuba imali kungabangela ukuba ahlulwe ii-asethi ngexesha lohlolo.

Iqumrhu elincinane lezengcipheko (ENSIC) neNkxaso

I-NSIC inika iindlela ezahlukeneyo zokukhetha amabhinqa ancinane nanamashishini amancinane, kuquka amaxabiso ali-15% akhethwayo ekufumaneni irhafu. Nangona eli xabiso lingelolungiselelo lerhafu, eli xabiso linyusa ingeniso yamashishini atsalwa ngamabhinqa, anokungahliswa ngexabiso eliphantsi kwecandelo 80IAC (kukokuqalisa okufanelekileyo) okanye iCandelo lama-80P (kumanyala asebenzisanayo). Abafazi abarhweba ngeempahla okanye iinkonzo kurhulumente bamele baqwalasele iinzuzo ze-

Impembelelo yemithetho yerhafu kumashishini akhuselwe ngamabhinqa

Inkcitho ephantsi yemali kunye nokuhamba okuphucukileyo kwemali

Isiphumo esinyusiweyo sokuncitshiswa kwemali, irhafu efunyanisiweyo, kunye nezicwangciso zetyala ezidityanisiweyo kuye kwaba kukuncitshiswa kwerhafu kumthwalo wamabhinqa athengisa irhafu. NgokweSixth Economic Censurential (206), amabhinqa aquka malunga ne13.76% yoosomashishini bonke eIndiya, kodwa iingxelo ezilandelayo zeWorld Bank kunye noBungameli beZibalo bubonisa ukunyuka okuzinzileyo, ingakumbi kwii-micropu ezincinane. Iholide yerhafu yerhafu yokuqalisa nokukwazi ukuhlawula irentengiso nenzala yokuphucula ukurhoxakeka kwemali kwasekuqaleni kwe-2003, ukunikezela kwemali ephumayo, ukuqokelelwa kwentengiso, urhwebo, kunye nobugcisa.

Ngokomzekelo, ibhinqa elithengisa iimpahla ze-intanethi kwigumbi eliqeshiweyo lingafuna irente phantsi kwecandelo 80G, inzala kwimali-mboleko yeMudra phantsi kweCandelo 36, kwaye ukuba likwanikela kwimali ehlawulelwayo kwicandelo lama-80G. Ukuba ishishini liyafaneleka njengesiqalo, lisenokukhetha kwiholide yerhafu yeminyaka engama-376, lize likwazi ukuhlawula irhafu yengeniso yemali kuloo minyaka.

Ukufumaneka okunyusiweyo

Ukuthotywa kwerhafu kuvula iminyango yetyala ngokusemthethweni. Iibhanki zidla ngokufuna iminyaka emithathu yokufumana irhafu ehlawulwayo (ITR) ukuze ziqinisekise ukuba imali ebhalisweyo ayifanelekanga. Ngokuqokelela imali ehlawulweyo nokufuna iintengiso, amabhinqa abathengisi bakha imbali yetyala ebenza bafaneleke kakhulu kwimali yabo ebolekisiweyo ngokwexabiso lenzala eliphantsi. Ukugxininisa kukarhulumente ekufakeni intengo yemali — ukudibanisa i-PAN, i-Aadhaar, ne-GST — kuqinisekisa ukuba amabhinqa athobela imithetho yerhafutheswayo avuzwa lula ukufikelela kwimali.

Ngaphezu koko, iNgxowa-mali eLentensidensing Trust for Micropuses neNqam encinane (CGTMSE) igubungela iimali ezibolekisiweyo kumabhinqa abekwe kwiyunithi yephepha elinama-30% ngemali, inciphisa ubungozi beebhanki. Amabhinqa agcina iingxelo zerhafu ezicocekileyo asengozini yokufumana imali-mboleko ye-CGTMSIPA ebolekisiweyo kuba isiqinisekiso sinciphisa ukuchanabeka komngcipheko webhanki.

Ukukhuthaza Ubuchule Nolwando

Iintshukumisa zerhafu ezifana nomlinganiselo osezantsi werhafu ekhoyo kwinkampani entsha yokwenza imveliso (i-Seconding 115BAB) kunye nomlinganiselo oncitshisiweyo wemicroplaterprises (Ukukhuthaza 11BAC) zikwanceda namabhinqa athengisa irhafu adibanisa njengeenkampani. Urhulumente ungenele amabhinqa angenazo iintengiso ezininzi. Noko ke, amashishini amaninzi akhutshiweyo ahlala engekho semthethweni ewedwa iindleko zokuthobela.

Phakathi ko-2014 no-2023, inani lamashishini abhalisiweyo abhalisiweyo kwi-Udam portal rose ephawulekayo, libalwa ngokubanzi lichaza ukutsalwa kwerhafu njenge-oyena mqhubi ubalulekileyo. Ukuhlanganiswa kobhaliso lwe-Udam nerhafu yengeniso kunye nenkqubo ye-GST kwenza kube lula ukubiza iinzuzo ezifana ne-GST e-5% evumela amabhinqa aneziqulu-MMEs ezithiwa zi-MSmes ezithiwa ngamashishini amancinane.

Iingxaki Neengozi Zokunyamezela

Phezu kwayo nje inkxaso, amabhinqa amaninzi athengiselana ngerhafu ahlala engazazi ezi nzuzo. Uhlolisiso olwenziwa yiNational Association of Women Entrepreneurs (NAWE) ngo-2022 abonisa ukuba ngaphezu kwama-60% abaphendulayo abakhange bazi malunga neCandelo lama-80G okanye iholide yokuqala yerhafu. Ukungafumani mvume yokufumana irhafu ephezulu kunye nokuntsonkotha kwemithetho yerhafu.

Olunye ucelomngeni lukukongamela intlawulo ezininzi. Umzekelo, iholide yerhafu yeminyaka emithathu ehlaziyiweyo ukwenzela ukuqalisa ifuna isatifiketi kwi- Interpreplanitorial Board, kwaye ukuqala makungaqalwa ngokwahlula-hlulwa kweshishini. Ngokufanayo, iCandelo lama-80G lifuna irisithi efanelekileyo kwaye abanikeli-zibonelelo kufuneka babe nobhaliso olusemthethweni lwe-80G ngexesha lomnikelo. Ukuba aba banikeli baphulukana nobhaliso lwabo phakathi kwewaka le-2009, ukurhoxiswa kweminikelo eyenziwa emva komhla lowo kungafuneki.

Amabhinqa asebenza ekhaya asoloko engakwazi ukuhlawula irente yawo kuba acinga ukuba ayisebenzi ukuba idilesi yeshishini iyafana nedilesi yendlu. Kodwa ke, iCandelo lama-80GGG alikuthinteli oku; kufuneka kuphela ukuba umhlawuli werhafu angabi nandawo yasekhaya naphi na. Isivumelwano serente esisemthethweni nomnini-ndlu kunye nesiqinisekiso sentlawulo yerhafu siyimfuneko.

I-arhente yerhafu isebenzisa i-data esetyenziswa ngokutyibilikayo ukudibanisa i-ITR kunye nolwazi lwesithathu oludityanisiweyo (umz., olusuka kwiibhanki, imali, kunye nokubuya kwe-TDS). Ukungaphumeleli ukuchaza ingeniso yenzala evela kwii-akhawunti zogcino-mali okanye kugcino-mali olugciniweyo — nokuba luncinci — lungabangela uhlolo. Abafazi abarhwebi bamele bagcine ingxelo eyahlukeneyo yentengiso yentengiso yokunciphisa umngcipheko wokugcinwa kwe-comming.

Icala Lexesha Elizayo: Yenza Ubomi Bakho Bulula Uze Wandise Umsebenzi

Iingcali zenkqubo zincomele uphuhliso oluninzi lokwenza imithetho yerhafu ibe yeyamabhinqa amaninzi anobuhlobo obuhle. Esinye icebiso kukwandisa umqobo wokunyuswa kwerhafu ebhatalwayo phantsi kwecandelo 443 AD ukusuka kwi-crref ukuya kumashishini amabhinqa adityanisiweyo, inikwa ukuba amashishini amaninzi abhinqileyo akwicandelo lomsebenzi apho imida yerhafu isezantsi khona. Esinye izicelo kukuvumela ukunyuka okuthengeniswa kwemali ukuya kuma-600,000 enkcitho enxulumene nokunyamekela abantwana nokunyamekela abadala amabhinqa abathengisi, ukuthwala umthwalo ombi osoloko uthwele.

Ukuvulwa kwephepha elilula le-ITR kumabhinqa asebenza amashishini amancinane kakhulu (ajika ukuya kutsho kuma-7650 lakh) kungaphucula ngokuphawulekayo ukuthobela. Amanye amazwe, njengoMaharashtra noKerala, sele eqhuba iinkqubo zokucoca i-ankile ezidibanisa ubhaliso lwerhafu, i-GST, kunye nerhafu yobuchule kwinkqubo enye. Ulwandiso lwesizwe lwenkqubo ezinjalo lunganciphisa ixesha nexabiso lokuqalisa ishishini lamabhinqa.

Ngaphezu koko, urhulumente unokudibanisa udweliso lwe-Mudra ngqo kwifatyi yerhafu ngokunikela i-rebate encinane yerhafu (isithi 5% yenzala ehlawulwayo) kwimali-mboleko efike ngexesha elifanelekileyo, efana nenzala encinane esele inikelwe ngamazwe athile. Oku bekuya kufaka imvume esemthethweni kunye nokuthobela ngexesha elifanelekileyo.

Amabhinqa abathengisi kufuneka akhangele utshintsho oluzayo kulawulo lwerhafu olufumana ingeniso. Ulawulo olutsha lwerhafu (ukhupho lonyaka we-1515BAC) luye lwaba yinto engagqibekanga ukusuka kwiFY 20232324 kuqhubekeko, kwaye ngelixesha inika isantya esiphantsi, ikhulula intengiso ezininzi kunye nokungahlawuli. Amabhinqa aneendleko ezinkulu zeshishini (njengerente, inzala, ukuhla kwexabiso) angafumana urhulumente omdala eluncedo ngakumbi. Kubalulekile ukuvavanya oorhulumente abadala ngonyaka ngamnye wemali kwaye atshintshe ukuba kuyimfuneko (ukuziphatha kwimithetho ephathelele ukutshintsha).

Amanyathelo Asebenzisekayo Amabhinqa Anokuwanceda

  1. [[UMTL:0] Gcina Iincwadi Zokwahlukanisa kunye nee-akhawunti zeBhanki: Sebenzisa i-akhawunti yangoku kwi-lisithi kunye nentlawulo yeshishini. Oku kwenza ukuba iindleko zilandelelwe kwaye kuxhaswe ukuthelekisa iinkcitho phantsi kwamacandelo 36, 80, kunye namalungiselelo okuqalisa.
  2. [[NTLT:0] Gcina zonke iiThayili kunye neeNkqutyana: Ukuba sisivumelwano serente kwicandelo 80G, ukunikezela ngeerisithi ezingama-80G, okanye amaxwebhu okubolekisa ngebhanki yeMudra, amaphepha afanelekileyo akangeni 881. Isebe lerhafu lingafuna ezi xa kuvavanywa.
  3. [[NTLA:0] Ukunika irhafu ingcaciso: Ngelixesha irhafu erhafu erhafulweyo inciphisa ubuntsonkothileyo, amabhinqa anendawo yokujika ngaphezulu kwe 763 crrever okanye anemithombo yengeniso eyahlukeneyo kufuneka adibane nomphathi-mali oqeshiweyo. Ixabiso lokuthobela isoloko lingahliswa ziintengiso neengenelo zeholide zerhafu anokuzibiza.
  4. Ifayile I-ITR Electrogramly nasexeshani: Iseti yeseti ephunyeziweyo yokulahla ilahleko ithwala i-
  5. Iingenelo ze-Explore State 76Spectificance State: oorhulumente abaninzi banikela iimvume ezongezelelekileyo zerhafu, njengokungahlawulwa kumsebenzi wesitembu kwintengo yempahla yamabhinqa, iindleko ezisezantsi zobhaliso, kunye nenkxaso-mali kumbane wamabhinqa angama-25. Hambani kwi-MSME e-portal yemeko yezonkcukacha.
  6. [[FLT: 0] Izixhobo zamanani zamanani ajikelezayo: I-Udyam yezibuko lobhaliso lweMSME ne `WEP' inikeza ugcino olukhululekileyo. Ukubhalisa ku-UDYAM kukwayama ngokuzenzekelayo nenkqubo yerhafu, kuyenze ibe lula ukubhalisa iinzuzo ezinjengokuboleka kokuqala kunye nexabiso elisezantsi leTDS.

Isiphelo: Indlela Ekhulayo Yokuphila Nendawo Yokuphucula

Imithetho yerhafu yaseIndiya iye yatshintsha ukuze icombulule imiqobo emininzi ejongene nabathengisi bamabhinqa. Imiqathango, irhafu erhafu, izikhuthazo zokuqalisa, kunye nee-arhente ezinxulumene namatyala ziye zanciphisa iindleko zokuqhuba ishishini kwaye zakhuthaza ukubhaliswa kweMSME esemthethweni. Unyuko lwamabhinqa abhaliswe ngokusemthethweni kunye nokuphuculwa kokufumana ityala ziziphumo ezicacileyo zale migaqo.

Noko ke, amathuba asenokungachatshazelwa ngenxa yezithuba zokuqonda nokungavumelani. Oosomashishini bamabhinqa, abafaki-mthetho, kunye noogqirha berhafu kufuneka basebenze kunye ukuze bavale lo msantsa. Ngokuwenza lula iinkqubo, ngokunika ii-arhente ezijoliswe kwimiqathango, kunye nokwandisa imiqathango yerhafu, urhulumente anganyusa ngakumbi ukwanda kwamabhinqa athengiselwa phantsi. Kumabhinqa, abathengisi, isitshixo sokunduluka sicacile: indlela esebenzayo yokuceba ukuhlawula irhafu, idityaniswe nokugcina ingxelo elungileyo, kungavula iinzuzo zemali ezingundoqo ezinokunyuka kweshishini nempumelelo ende ebanzi ye-2006.

[[UMTL_HAWU] Izibonelelo:[[UMKCU]