IKenya iyizwe lokuqala lase-Afrika ukwenza ngokusemthethweni zonke izinhlobo zokugembula ekhulwini lama-20. Kusukela ekuqaleni kwekhulu lama-21, iKenya isibe ngelinye lamazwe anenqubekela phambili emhlabeni uma kukhulunywa ngokubheja kwezemidlalo.
Kunezingosi eziningi zokubheja kwezemidlalo ababheji baseKenya abangafinyelela kuzo futhi ngenxa yalokho, imakethe inokuncintisana impela. Ukukhetha isayithi lokubheja elilungile eKenya ngo-2024 kungaba yinselelo kodwa akunzima kangako uma ulandela imiyalo eshiwo ngezansi. Qhubeka ufunde ukuze uthole okwengeziwe.
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Ukweqa Ngokushesha ⇣
Ingabe Ukubheja Kwezemidlalo Ku-inthanethi Kusemthethweni eKenya?
Ukubheja kwezemidlalo kusemthethweni kakhulu eKenya. Yize kuneziphakamiso eziningi zokuthi kubekwe umkhawulo futhi kulawulwe ukugembula ku-inthanethi eKenya, lezo zinyathelo zenzelwe ukugcina ama-punters ephephile. Ukugembula kuzohlala kusemthethweni okwamanje.
EKenya, zonke izinhlobo zokugembula zivunyelwe. Ngakho-ke, leli lizwe beliyisiphephelo sabagembuli kulo lonke elase-Afrika kodwa kusanda kwenzeka izinkinga ezithile. Ngenxa yokwanda kwezinkampani zokugembula, uhulumeni ubeke amaqhinga okuvikela abantu baseKenya emiluthweni yokugembula kanye nodlame oluhambisana nalolu hlelo. Ibhodi elilawula ukugembula nokukhipha amalayisensi (BCLB) ngamabhange kanye nabanye abaqondisi bokudluliselwa kwemali kwenze kwaba nzima ukuthi abantu bakhiphe futhi bafake imali kumanethiwekhi okugembula. Ekuqaleni, sibone ezinye zezinkampani zokugembula zihoxiswa amalayisensi ngenxa yokwehluleka ukukhokha intela edingekayo. Nokho-ke amacala asenesikhathi eside ekhona futhi axazululwa ngezinkantolo. Ngokwempikiswano yakamuva, uhulumeni wenqabile ukuvuselela amalayisensi alezi zinkampani zokugembula ukuze aqinisekise ukuthi (lezo zinkampani) ziyayithobela imithetho ebekwe yi-BCLB.
UNgqongqoshe Wezasekhaya Nokudidiyela Kuzwelonke uDkt. Fred Matiang'i uxwayise ngokuthi lezi zinkampani zokugembula kufanele zilindele izinyathelo ezinqala. Uthe lo mkhakha ube nesandla ekudukiseni abantu abasha abaningi. UMkhandlu Wezokuphepha Kazwelonke nawo usivumile isitatimende. Umkhandlu uphinde uphenye ngemiphumela kanye nezinsongo ezihambisana nokugembula ezweni njengokukhwabanisa.
Izinkampani zokugembula zanikezwa umnqamulajuqu wokuhlangabezana nemibandela emisha yemisebenzi yokugembula. Eminye yemibandela obekumele kuhlangatshezwane nayo kubalwa ukufakazela ukuthi baqhuba ibhizinisi ngokulandela umthetho. Futhi, kwakudingeka babonise ukuthi banalo ikhono nohlelo oluhle lwezezimali kule minyaka emine edlule.
Selokhu kwaba nengcindezi, iKenya Revenue Authority (KRA) ihlole futhi yagunyaza izinkampani zokugembula eziyishumi amalayisensi azo ahoxisiwe ngenxa yokungathobeli imithetho yentela. Amalayisensi ezinkampani ezingama-27 awavuselelwanga ngenxa yokwehluleka ukuhlangabezana nalezo zidingo.
Ngasekuqaleni kwalo nyaka, i-BCLB yamemezela umthetho omusha ovimbela ukukhangisa emabhodini, ukugembula ezinkundleni zokuxhumana, ukugembula phakathi kuka-6:4 no-XNUMX ntambama, kanye nokuvalwa kokugembula kosaziwayo. Nokho, iNkantolo Ephakeme yaseKenya yachitha le mithetho.
Uhulumeni waseKenya usephinde wethula uhlelo Umthethosivivinywa Wokugembula 2019 ephakamisa izimali ezintsha, imithetho yobunikazi, kanye nokuqapha le misebenzi yokugembula.
Kulinganiselwa ukuthi imboni yokugembula yenza amaRandi ayizigidi eziyizinkulungwane ezingu-200 ngonyaka. Emazweni amaningi, intela ekhokhiswa umuntu ngamunye owinile ngokuvamile ingaphansi kwamaphesenti angu-20. E-Kenya, intela ekhokhiswayo kuwo wonke ama-win in imboni yokugembula ingamaphesenti angama-35. Uhulumeni waseKenya usempambanweni phakathi kokuqoqwa kwemali engenayo kanye nokuvikelwa kwentsha. Uhulumeni akufanele nje asebenzise intela yentela njengendlela yokulawula ukugembula kodwa kufanele athole ezinye izindlela zokuqinisekisa ukuthi intsha ayibambeki ephusheni elibi lokuhlanganyela kulo mdlalo. imidlalo yelotho.
Phakathi kwezindlela uhulumeni angazisebenzisa ukuze kwehliswe imilutha yokugembula ukuvala ukusetshenziswa kwezingqwembe ukuze kuxhaswe izikhangiso. Uhulumeni unesibopho sokuvikela izakhamizi zakhe ekuxhashazweni futhi agxile ekwenzeni intsha ikwazi ukuziphilisa. Isinyathelo sokuqoqa izintela eziphakeme ezinkampanini zokugembula sizothuthukisa ukugembula. Ngenxa yalezi zinyathelo, lezi zinkampani zokugembula zizophoqeleka ukuba ziqashe abantu abaningi ukuba bahlanganyele ekugembuleni ukuze zandise inzuzo nenzuzo yazo.
Njengoba zingekho izinkampani zokubheja zikazwelonke eKenya, zithembele kakhulu kubabhuki bakwamanye amazwe. Futhi emhlabeni wokugembula ku-inthanethi, obhuki bakwamanye amazwe bavame ukubonwa njengabangathembekile nezingosi ezingaphephile. Kusekuningi ukudideka ngakho, kodwa iqiniso liwukuthi amasayithi okubheja angaphandle anelayisensi akuzona kuphela izindawo ongabheja kuzo ngokuvikeleka okuphezulu kodwa nezingosi ezigcwele izinzuzo zabadlali baseKenya.
Lapho ukhetha amasayithi angcono kakhulu okubheja ezemidlalo eKenya ngo-2024, kunezindlela ezimbalwa okufanele uzinake. Akumele kuhlangatshezwane nazo zonke lezi zindlela kodwa kungcono kakhulu.
Iphuzu lokuqala okufanele kukhulunywe ngalo ngokulandelana kokubaluleka, ngokungangabazeki, elokulondeka. Amasayithi amaningi okubheja ezemidlalo eKenya anelayisensi evamile ekhishwa iziphathimandla zaseMalta, Curaçao noma ezinye izinhlangano. Lezi zingosi zisekelwe emithethweni yamanye amazwe kodwa ziyaqhubeka nokusebenza ngokusemthethweni kwamanye amazwe. Ilayisensi evela eMalta, Curaçao, noma ezinye izinhlangano, empeleni, isiqinisekiso kubo bonke abadlali sokuthi akukho ukwephulwa kwezomthetho, ukuthi yonke imiklomelo iyatholakala, nokuthi bonke abadlali kusayithi baziphathe ngokuhambisana nemithetho emisiwe.
Ngakho-ke, into yokuqala okufanele yenziwe ukuhlola amasistimu okuvikela asetshenziswa yilaba bobhuki, kanye nokuqinisekisa ukuthi banalo ilayisense. Nsuku zonke kuzalwa amasayithi amasha okubheja angaphandle futhi angena emakethe yokubheja. imidlalo eku-inthanethi, kodwa akubona bonke abangabaqhubi abanelayisensi evamile.
Ngaphezu kwalokhu, kufanele futhi uhlole ukuthi bakuphatha kanjani ukuvikela idatha kanye nobumfihlo. Amasayithi amaningi okubheja ezemidlalo e-Kenya aqinisekisa abadlali bawo ababhalisiwe izinga eliphezulu lokuphepha futhi bangathintwa nge-imeyili noma inombolo yocingo. Ngaphezu kwalokho, ukuvikela idatha eyimfihlo kanye nokuthengiselana kwezomnotho okwenzeka kusayithi, basebenzisa uhlelo lokubethela oluthuthuke kakhulu, i-SSL (Secure Socket Layer), ebuye isetshenziswe amabhange nezikhungo zezikweletu emhlabeni jikelele.
Ukuchofoza ingxenye enkulu yesayithi kuzokuyisa kumenyu enayo yonke imidlalo, futhi ezimweni eziningi uzobhekana nemidlalo eminingi ehlukene ongabheja kuyo.. Sikhuluma ngemidlalo engaphezu kuka-20 ehlukene (kwezinye izimo ngisho nangaphezu kuka-30). Ngaphezu kwebhola lezinyawo lakudala, ibasketball, ithenisi, njll., ungaphinda uzame izinhlobo ezintsha zemidlalo nokubheja, njalo unezinketho eziningi. Ngaphezu kwalokho, kubabhuki abambalwa eKenya ungajabulela idiphozithi encane ye-500 shilling, ngakho-ke asikho isidingo sokufaka imali eningi ngokushesha.
Uma usuqinisekise ukuthi isayithi lokubheja kwezemidlalo eKenya livumelana nokuthandayo, usulungele ukubhalisa futhi uvule i-akhawunti yegeyimu. Futhi lapha kufanele ubhekane nelinye lamaphuzu athakazelisa kunawo wonke - ibhonasi eyamukelekile. Lesi iphromoshini esivumeleke kuphela kubo bonke abasebenzisi abasha futhi ikuvumela ukuthi ube nokuhlanganisa okunenzuzo ngokushesha kwidiphozi yakho yokuqala.
Njengoba kunezindawo eziningi zokubheja zakwamanye amazwe ezinelayisensi, amabhonasi amukelekile aphezulu kakhulu, anamaphesenti amakhulu kanye nemikhawulo yediphozithi. Futhi, obhuki abaningi banikeza amabhonasi amukelekile kuze kufike kwidiphozithi yesine noma yesihlanu. Okokugcina, kufanelekile ukusho ukuthi, ngaphezu kwalokho akukho idiphozi amabhonasi okubheja avela kumasayithi angaphandle, kukhona nokunye okunikezwayo okuningi okuhlobene nezemidlalo esigabeni sokukhushulwa.
Izindlela zokukhokha nazo ziyi-plus enkulu uma kuziwa obhuki bakwamanye amazwe eKenya. Kulezi zinsuku, bamukela izindlela eziningi ezahlukene zokufaka nokukhipha imali, hhayi nje amakhadi esikweletu noma ukudluliselwa ebhange, kodwa futhi wallets virtual, Paypal, futhi ngokuvamile cryptocurrencies.
Kunezizathu ezimbalwa zokukhetha opharetha abanamalayisense bakwamanye amazwe eKenya ukuze babheje. Kodwa ngaphezu kwezici, esixoxile ngazo, kuningi okunye, njengokwesekwa kwamakhasimende okuthembeke kakhulu, ukubheja okuncane okuphansi, ingasaphathwa eyesipiliyoni sokuphequlula, ukulungiselelwa kahle kwamadivayisi eselula, nezinye izici eziningi ezingatholwa.
Okokugcina, lezi zingosi zokubheja zakwamanye amazwe ezinelayisensi aziphephile kuphela futhi zithembekile, futhi ziyindawo yokuzijabulisa nokukhetha ezinhlobonhlobo zezemidlalo ongabheja kuzo, ezinamabhonasi amahle nezinye izici eziningi eziyingqayizivele.
Abasebenzisi abasaqalayo badinga usizo oluthile njengoba bengazi ukuthi babeka kanjani ukubheja kwezemidlalo eKenya. Ngalesi sizathu, sicabange ukuhlanganisa izinyathelo ezibalulekile okufanele zilandelwe yinoma ubani ukuze aqale ukubheja nobhuki.
Yenza ucwaningo olunzulu futhi ubhalise nobhuki ohloniphekile. Gxila kumasayithi okubheja aseKenya esiwancomayo ngokwezinga lethu. Lokhu kuzokusiza ukuthi ugweme ukubhalisa nabasebenza ngokungemthetho ababeka imali yakho engcupheni.
Yenza idiphozi futhi wamukele ibhonasi yokukwamukela. Obhuki abahamba phambili eKenya banikeza amaphromoshini kubasebenzisi abasha, ngakho kufanele wenze idiphozithi yokuqala ngendlela yokukhokha oyikhethile.
Khetha umcimbi kanye nemakethe ongabhejela kuyo. Uma usunayo imali etholakala ku-akhawunti yakho, sekuyisikhathi sokuya kumdlalo ofuna ukubheja kuwo. Khetha imakethe ethile ongabheja kuyo bese ufaka inani ofuna ukulifaka.
Linda umphumela wokubhejwa. Uma ukubheja sekuqinisekisiwe, kufanele nje ulinde kuze kufike umcimbi ukuze wazi umphumela wokubheja. Esimeni lapho ubhejile khona, ungayikhipha imali uma ivela ebhalansi ye-akhawunti yakho.
Ama-Punters avela eKenya ayakuthanda ukubheja emidlalweni eminingi futhi izinhlobo ezahlukene zezemidlalo ezinikelwe zona zonke zibhejwa ngezinga elithile.. Kodwa ukugwema ukusho yonke imidlalo abaqhubi baseKenya ababheja kuyo, kukhona eminye edume kakhulu:
Ama-Punters avela eKenya ayakuthanda ukubheja emidlalweni eminingi ngakho-ke kunezinhlobo eziningi zokubheja. Ukuyiqamba yonke ngeke kwenzeke, yingakho sizogxila emidlalweni emibili edume kakhulu ukubheja eKenya - ibhola lezinyawo nebasketball. Nazi izinhlobo ezivame kakhulu zokubheja:
Ukubheja okugxile enanini lamagoli ashaywe kumdlalo, kungabandakanya ingqikithi yamagoli ashaywe, noma amagoli ashaywe iqembu elithile.
I-wager ekuvumela ukuthi ukhokhele imiphumela emibili kwemithathu engaba khona kumcimbi wezemidlalo, wehlise ubungozi bakho kodwa unikeze amathuba aphansi.
Ukubheja okunikeza iqembu elilodwa inzuzo ebonakalayo noma ukonakala, ukulinganisa inkundla nokushintsha amathuba.
Ukubheja okuqondile lapho ukhetha khona iqembu noma umuntu ocabanga ukuthi uzowina umcimbi noma umdlalo othile. Ingenye yezinhlobo ezivame kakhulu zokubheja.
Ezindlini ezihlukene zokubheja kwezemidlalo e-Kenya, uzothola izinhlobonhlobo zokunikezwayo, amabhonasi, noma amaphromoshini. Kuya ngokuthi yikuphi kwalokhu okuzotholakala, kuye ngo-opharetha wesayithi, ukubaluleka kwalokhu ukukhushulwa kunikeza umsebenzisi inzuzo phezu kwendlu futhi ikuvumela ukuthi uthuthukise izinketho zokubheja, izibikezelo zemicimbi yezemidlalo ehlukene, ukubheja okulula, nokuningi. Nawa amabhonasi avame kakhulu futhi adumile eKenya.
Ibhonasi enikezwa ababheji abasha lapho beqala ukubhalisa nesayithi lokubheja. Ngokuvamile kufaka phakathi ukubheja kwamahhala noma ukubheja okufanayo ngokusekelwe ediphozini yabo yokuqala.
Ibhonasi enikezwa ababhejiyo abasha ngaphandle kwanoma iyiphi imfuneko yediphozithi yokuqala. Lokhu kungaba ngendlela yokubheja yamahhala noma ibhonasi yekhredithi yokubheja.
Ibhonasi enikeza inombolo ethile yokubheja kwamahhala ngokusekelwe kumibandela ehlukahlukene njengenani lediphozithi, amaphethini okubheja, noma okunikezwayo kokuphromotha.
Ibhonasi ebuyisela iphesenti lokulahlekelwa kokubheja ngesikhathi esibekiwe. Lokhu kusiza ukunciphisa ezinye zezingozi ezihlobene nokulahlekelwa ukubheja.
Iyiphi Inketho Yokukhokha Engcono Kakhulu Yabadlali BaseKenya?
Lapho ukubheja kumasayithi okubheja ezemidlalo asemthethweni futhi avunyelwe eKenya, abadlali bangasebenzisa noma iyiphi indlela yasebhange etholakala kalula ngengqondo. Ama-E-wallet yiwo ashesha kakhulu futhi asakazeke kakhulu kodwa ngokuvamile adinga ama-akhawunti engeziwe kanye nemali ethile. Ukudluliselwa kwebhange nekhadi lesikweletu kulula ukukusebenzisa kodwa kuhamba kancane futhi akuphephile.
Ukuze ubeke ukubheja kwezemidlalo eKenya, obhejayo kufanele abeke imali kuqala futhi ayisebenzisele ukubheja. Ukwenza lokho, abadlali baseKenya bangasebenzisa izindlela ezahlukahlukene, eziningi zazo eziphephe ngokuphelele futhi ezinconyiwe.
Ukuze uqambe kangcono izindlela ezingcono kakhulu, zizohlukaniswa ngamaqembu ngezansi. Lezi yizinketho zokukhokha ezidume kakhulu eKenya.
Ukugembula eKenya kusemthethweni futhi kulawulwa kahle.
Ukugembula eKenya ku-inthanethi kuphephe kakhulu uma kwenziwa ezindlini ezisemthethweni nezinelayisense.
Ukubheja kwezemidlalo kuphephile eKenya. Okudingekayo wukuhamba nobhuki othembekile.
Imikhawulo yediphozithi izonqunywa obhuki nezindlela zokukhokha. Bheka imigomo nemibandela yobhuki ngamunye.
Bobabili abadlali nobhuki kufanele bakhokhe intela engu-20% emalini yabo yokugembula.
Izikhathi zokuhoxa zizoncika kubhuki ngamunye kodwa ikakhulukazi ezindleleni zokukhokha. Okushesha kakhulu ama-e-wallet kanye nezinkokhelo ze-elekthronikhi, ezivame ukuthatha amahora angu-24, kulandelwa amakhadi esikweletu (izinsuku ezingu-3-5), futhi ekugcineni, ukudluliselwa kwebhange, okuthatha cishe isonto.
Kunenqwaba yamasayithi okubheja eKenya, wonke anikezela ngezinsizakalo ezihlukile. Engcono kakhulu kungaba yileyo enikeza izinsizakalo ezisuselwe ezidingweni zakho. Kubalulekile ukuthi ubhuki aphephe futhi abe nokukhetha okuhle kwezemidlalo nezimakethe angabhejela.
Zonke izinhlobo zemidlalo ziyatholakala kubathengi baseKenya, njengebhola, ibasketball, ibhola lezandla, ithenisi, imijaho yamahhashi, imijaho yemoto, ubuciko bokulwa, njll.
Ababheji baseKenya bathanda ukubheja ebholeni, kanye nebasketball.
Amathuba okubheja ezemidlalo abalwa obhuki futhi amelela ithuba lomphumela, ethulwa ngezinombolo zamadesimali. Wonke amathuba esiliphu sokubheja ayaphindaphindeka bese aphindaphindwa futhi ngesamba semali etshaliwe ukuze kwakhiwe isamba sokugcina sokuwina.
Obhuki abaningi eKenya bazobheja mahhala njengengxenye yamabhonasi abo okukhangisa.
Kuyadingeka ukwenza i-akhawunti yokubheja endaweni yokubheja yezemidlalo eKenya. Uma isidaliwe, ubhuki uzoklomelisa umdlali omusha ngebhonasi yokwamukela (yokubhalisa).
Kunezindlela eziningi ababheji baseKenya abangacela ngazo usizo. Enye iwukuxhumana ne-GamHelp Kenya ku-0800-000-023, enye i-East Africa Centre kokuthi +254700656284 noma +254725492006, noma uxhumane nomeluleki wokugembula (+254) 707764498, 0739 340004.
🔎 Ufuna amasayithi ekhasino? Nazi izingosi zekhasino ezihamba phambili eKenya.
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