IiNdlela ezisakhulayo kuShishino lwabasetyhini

Ukuqala naliphi na ishishini kunokuba yinkqubo enzima kodwa enika umdla kwabo banomdla ngokwaneleyo malunga nemveliso ethile okanye inkonzo abafuna ukuyizisa emarikeni. Nangona kunjalo, ukongeza ekuzeni nombono owahlukileyo, oosomashishini abaninzi kufuneka bakhusele imali ethile, efumaneka ngemboleko. Iibhanki ziphatha iimali-mboleko ezininzi zeshishini, ngoko ke la maziko kufuneka avavanye umngcipheko obandakanyekayo kwisindululo ngasinye ngononophelo.

Ukuboleka ngokufanelekileyo

Ukongezelela ekuhloleni ngononophelo umngcipheko obandakanyekayo kwimali-mboleko nganye, iibhanki kufuneka zihambelane nemithetho ethile yokuboleka ngokufanelekileyo, njengecandelo le-1071 le-Dodd-Frank Act. Eli candelo loMthetho weDodd-Frank lihlomele uMthetho wamaThuba oLingano lweTyala (ECOA) ngokufuna ukuba amaziko emali aqokelele kwaye anike ingxelo yolwazi oluthe kratya malunga nabasetyhini, abanini bancinci kunye namashishini amancinci. Ezi mfuno zokuqokelelwa kwedatha ziyilelwe ukunceda ukunyanzeliswa kwemithetho yokuboleka imali enobulungisa kwaye yenze ukuba uluntu lugxile kumathuba angakumbi amashishini aphethwe ngabasetyhini kunye nabaphantsi.

Iinyani ezikhawulezayo

Amashishini aphethwe ngabasetyhini abalulekile kwimpilo yoqoqosho lwase-US.

Okulungileyo:

• Iakhawunti kuqikelelo lwe-42.0% yawo onke amaShishini ase-US
• Qesha malunga ne-9.4 yezigidi zabantu
• Yenza uqikelelo lwe-1.9 yeebhiliyoni zeerandi kwingeniso yonyaka

Okubi

• Ngaphandle kwegalelo lezoqoqosho, ishishini labasetyhini lifumana imiqobo ebalulekileyo
• Kuqikelelwa ukuba i-66.0% yabasetyhini abashishini baxela ukuba banobunzima bokufumana inkxaso-mali abayidingayo ukuze baphumelele.
• Ngokophononongo luka-2019 olwenziwa siSikolo soShishino saseColumbia, amashishini angabasetyhini ayengama-63.0% ngaphantsi amathuba okuba afumane inkxaso-mali yemali ngenxa yokuqhubeka komkhethe.

Imimoya yotshintsho

Ukuphendula kwimingeni eqhubekayo enyamezelwa ngoosomashishini ababhinqileyo, amashishini amaninzi, ii-arhente zikarhulumente kunye nezinye ii-arhente ezingenzi nzuzo ziye zazisa intaphane yeemali kunye nezibonelelo. Ezinye zezi zibonelelo zikwayilelwe ngokukodwa amashishini aphethwe ngabancinci. Umzekelo, iBhanki ye-BMO Harris isandul' ukuphehlelela iNkqubo yokuTyala kwabasetyhini kwiShishini leShishini, inxalenye yeminyaka emihlanu, i-5.0 yeebhiliyoni zeedola ze-BMO EMpower ukuzinikela ekwandiseni ukufikelela kwityala leshishini elifikelelekayo kubasetyhini kunye namashishini aphethwe ngabancinci.

Ukongeza, ezinye ii-arhente ezininzi zenze izibonelelo ezahlukeneyo zafumaneka kubasetyhini kunye namashishini aphethwe ngabancinci. Ezo zibonelelo zibandakanya inkqubo yesiBonelelo soShishino lwaManina e-Eileen Fisher, inkqubo yesibonelelo samashishini amancinci yeenkampani ezenza impembelelo entle kwezentlalo nokusingqongileyo.

I-Tony Burch Foundation's Fellows Programme inikezela ngeegranti ezili-100 kumashishini amancinci aphethwe ngabasetyhini. Nangona iigranti zangaphambili zikwasebenza kumashishini anabanini abambalwa, izibonelelo ezininzi ezikhoyo zinceda ngokuthe ngqo amabhinqa amancinane, afana neBhunga leSizwe leSibonelelo sabaseTyhini baseNegro. Esi sibonelelo sinika amathuba enkxaso-mali kubafazi abantsundu abakushishino abanomdla wokuziqalela inkampani yabo.

Ngenxa yoko, amashishini athile anyamezele ukonyuka kutyalo-mali lwabaseki basetyhini. Ngokukodwa, amashishini ngaphakathi kwendawo yobugcisa anyamezele ngaphezu kwe-30.0 yeebhiliyoni zeerandi kutyalo-mali kwiikota ezintathu zokuqala ze-2021, ukwanda okungaphezulu kwe-82.0% ukusuka ku-2020. Oku kunyuka kotyalo-mali kunokubalelwa kukukhula okukhulu kwabatyali-mali bengelosi abasebenzayo, abakhule nge-66.0% ukusuka ku-2018 ukuya ku-2021.

Amacandelo okubukela

Kuba ipesenti yabasetyhini kunye namashishini aphethwe ngabancinci ibisoloko ikhula ngokuqhubekayo kule minyaka mihlanu ukuya ku-2022, ababolekisi kufuneka baqhubeke bejonga amacandelo ahlukeneyo amkela oosomashishini ababhinqileyo ukonyusa umda wabo wengeniso.

Amanye awona macandelo akhula ngokukhawuleza ukusuka ngo-2014 ukuya ku-2019 kwinani leefemu zabasetyhini zibandakanyiwe. eziluncedo, ukwakhiwa, ulwazi, ezinye iinkonzo kwaye ubugcisa, ulonwabo kunye nolonwabo. Ezi ndlela zihambelana nokunyuka okufanayo kwiinkalo zokufunda ezikhethwe ngabasetyhini. Ukusukela ngo-2017 ukuya kowama-2019, olona lwando lukhulu lwabathathi-nxaxheba ababhinqileyo belukwicandelo lobuchwephesha bokukhanda kunye nokulungisa, kuqikelelo lokukhula kwe-122.7%. Ukukhula kwesibini ngobukhulu kubathathi-nxaxheba ababhinqileyo bekubuchwephesha bezomkhosi kunye nokusebenzisa icandelo lezesayensi, ngokunyuka okuqikelelwa kwe-11.3% ukusuka ngo-2017 ukuya ku-2019.  

Amashishini angawasetyhini aqhubekile ezibonakalisa eyimpumelelo kwaye ebalulekile kuqoqosho. Njengoko abarhwebi abaninzi ababhinqileyo beqhubeka nokuqalisa amashishini ahlukeneyo, abatyali-mali baya kuxhamla ekuthatheni ingqalelo.

Njengoko umsantsa wenkxaso-mali uqhubeka uncipha kwaye izibonelelo ezininzi zifumaneka, inani elandayo labasetyhini liya kufumana ukuzithemba ukuqala ishishini kwicandelo elinengeniso. Emva koko, njengoko iinkokeli zabasetyhini zibonakala ngakumbi kumacandelo asele ekhona, oku kuya kukhuthaza abasetyhini abasebatsha ukuba bangene kumacandelo asakhasayo, afana nobuchwephesha babasetyhini (FemTech). Iinkampani ze-FemTech zigxile ekuphuculeni impilo-ntle yabantu bonke ababhinqileyo kwaye kulindeleke ukuba zifumane impembelelo ebalulekileyo kule minyaka mihlanu ukuya ku-2027.

Njengokuba izivumelwano zenkxaso-mali kunye nocalucalulo olusekelwe kwisini lusihla, ukuvela kwamashishini aphethwe ngabasetyhini kuya kuphucula ukuchuma kwelizwe kwezoqoqosho. Ababolekisi abalumkileyo baya kuqaphela kwaye balahle imikhethe engafanelekanga, engafanelekanga.

Umthombo ovela Ibisworld

Ukuziphendulela: Ulwazi oluchazwe ngasentla lunikezelwa yi-Ibisworld ngaphandle kwe-Chovm.com. I-Chovm.com ayenzi lumelo kunye neziqinisekiso malunga nomgangatho kunye nokuthembeka komthengisi kunye neemveliso.