Iinkqubo zembuyekezo ezisebenzayo zivela njengesicwangciso esinamandla sokunyusa zombini ukuthengisa kwangoko kunye nokunyaniseka kwabathengi bexesha elide.
Ixesha lokuthenga leeholide alisekho kuphela kwiintsuku ezimbalwa emva koMbulelo. NgoNovemba oMnyama ngoku lugqatso lweentengiso oluthatha inyanga yonke apho ukhuphiswano luqatha, kwaye ingqalelo yabathengi yahlulahlulwe ngakumbi kunangaphambili. Kubathengisi, eli xesha elongezelelweyo libonisa umngeni kunye nethuba: indlela yokubamba umdla wabathengi kunye nesabelo se-wallet kungekhona nje kwixesha elifutshane, kodwa ngendlela ekhuthaza ukunyaniseka kwexesha elide.
Iintsingiselo zakutsha nje zigxininisa ukubaluleka kweenkqubo zokuwonga ngeli xesha linzima.
Kunyaka ophelileyo, inkcitho kwizinto ezithengiweyo ngeenkqubo zokuthembeka zinyuke kakhulu nge-31%. Oku kukhula kuza emva kokunyuka kwe-27% ngexesha leeholide zika-2022 xa kuthelekiswa nonyaka ongaphambili. (Oku ngokwedatha yomvuzo wokufumana umvuzo ovela kumboneleli wokuthenga umvuzo i-Valuedynamx.) Oku kubonisa umyalezo ocacileyo: abathengi bafuna ngenkuthalo kwaye bazibandakanye neenkqubo zemivuzo.
Kwindawo yentengiso egcwele izaphulelo zeeholide kunye nentengiso, ukuma ngaphandle akuyonto incinci. Abathengisi kufuneka bahambe ngaphaya kokukhuphisana ngexabiso kuphela. Iiprogram zembuyekezo zinokusebenza njengomahluko ophambili, ukubonelela ngexabiso elongezelelweyo elihambelana nabathengi kwinqanaba elinzulu. Ndineendlela ezininzi eziphambili zokwenza oko ngempumelelo:
Ukubaluleka kokwenziwa ngokwezifiso kwiinkqubo zemivuzo
Ubungakanani obunye abufanelanga konke xa kufikwa kwiinkqubo zemivuzo. Izinto ezikhethwa ngabathengi ziyohluka kakhulu ngokwengingqi, ziphenjelelwa ziimeko zenkcubeko, iimeko zoqoqosho, kunye nokuziphatha kokuthenga kwendawo. Umzekelo, inkqubo yembuyekezo eqhubekayo kwimetropolitan inokuba phantsi kwindawo yasemaphandleni. Ngoko ke, ukulungisa imbuyekezo ukuhlangabezana neemfuno zengingqi akuyoncedo nje kuphela—kubalulekile.
Ngaphaya kwengqwalasela yengingqi, ukwenziwa ngokwezifiso kufuneka kuhambelane negama lomthengisi elikhethekileyo kunye nolindelo lwabathengi. Umthengisi otofo-tofo unokubonelela ngokukhethekileyo, imbuyekezo yexabiso eliphezulu njengamava okuthenga omntu okanye ukufikelela kwangethuba kwiingqokelela ezintsha. Ngokwahlukileyo, ikhonkco legrosari lingagxila kugcino lwemihla ngemihla, linikezela ngezaphulelo kwizinto eziphambili okanye imbuyekezo yepetroli.
Ngaphezu koko, abathengisi kufuneka baqwalasele ukukhulisa intengiso yabo ngokuthatha inxaxheba kwezinye iinkampani ezicinga ngokufanayo zomvuzo kunye neenkqubo zokunyaniseka. Le yenye indlela yokwenza imbuyekezo yedemografi yabathengi abathile. Iibrendi zodidi oluphezulu, umzekelo, zihlala zifumana intsebenziswano kunye neenkqubo zokuthembeka kwinqwelomoya-nokuba ngokubonelela ngeentengiso ezidityanisiweyo okanye ngokuthatha inxaxheba njengokhetho lokuchitha umvuzo. Intsebenziswano enjalo inokwandisa ukufikelela komthengisi kwaye yazise uphawu lwabo kubaphulaphuli ababanzi, kodwa ekujoliswe kubo.
Utshintshiselwano ngexabiso: oko abathengi bakulindele kwiiprogram zemivuzo
Kwintliziyo yayo nayiphi na inkqubo yembuyekezo eyimpumelelo ngumbono olula: utshintshiselwano ngexabiso. Abathengi baya ngokuya beqonda, balindele imbuyekezo enikezela ngexabiso elilinganayo okanye elikhulu kunomzamo okanye imali abayifakayo. Ukwenza okuthandwa nguwe kudlala indima ebalulekileyo apha. Idatha ye-Valuedynamx ibonisa ukuba xa unikezelo lwabathengi bomntu siqu lunikezelwa kubathengi, banamathuba angama-15 amathuba okuba bathenge.
Ukongeza, abathengi baya kukhangela imbuyekezo enika ulwaneliseko olukhawulezileyo kunye neenzuzo ezinentsingiselo. Bazixabisile iinkqubo ezingaboneleli ngezaphulelo nje kuphela, kodwa zikwaphucula amava abo okuthenga ewonke-nokuba kungezaphulelo ezikhethekileyo, iingcebiso ezilungiselelweyo, okanye ukudityaniswa ngokungenamthungo nendlela yabo yokuphila. Ngapha koko, abathengi abavuzwa ngokukhawuleza, ngaphandle kokulinda, badla ngokuchitha ngaphezulu kwaye bathenge rhoqo ngezo nkqubo zomvuzo. Ngokunikezela ngembuyekezo yexesha lokwenyani kunye nokufikelela kwangoko kwimali, abathengisi banokungena kule ndlela yokuziphatha, bekhuthaza ukubandakanyeka rhoqo kunye nenkcitho ephezulu. Abathengisi abaqondayo kwaye banikezele koku kulindelekileyo baya kukhuthaza ukunyaniseka kwabathengi kunye nokuqhuba ishishini eliphindayo.
Ukusebenzisa ixesha lonyaka kunye nokuqaliswa kwentengiso
Ixesha liyinto yonke ekuthengiseni, ngakumbi ngexesha leeholide. Amaxesha okuthengisa aphezulu afana noLwesihlanu oMnyama, uMvulo weCyber, kunye neeveki ezikhokelela kwiKrisimesi ngamathuba egolide okusungula okanye ukwandisa iinkqubo zokuvuza. Ngokucacileyo, kulo nyaka kukho iimpelaveki ezintathu kuphela phakathi kwempelaveki yoLwesihlanu oMnyama kunye neKrisimesi, nto leyo eyenza ukuba kubaluleke kakhulu kubathengisi ukuba baphumeze izicwangciso zokuvuza kwakamsinyane ukuze bandise ixesha lokuthenga.
Ukulungelelanisa imisebenzi yokuthengisa kunye nala maxesha aphakamileyo kunye neendidi zenkcitho ezilindelekileyo zamaxesha onyaka kunokwandisa ukuzibandakanya kwabathengi. Umzekelo, uninzi lweembuyekezo zokuhamba zihlawulelwa kwikota yokuqala yonyaka, xa abathengi bebhukisha iiholide kunye nohambo. Ngoko ke, ngexesha leeholide, abathengi banomdla wokuthenga izinto eziza kunye nemivuzo yokuhamba abanokuyithenga kunyaka omtsha.
Amathuba akhona kubathengisi ukuba bazahlule ngezibonelelo ezizodwa. Cinga ngokuzalisekisa imivuzo enemigangatho eyonyukayo ngesixa esichithiweyo, ukukhuthaza amaxabiso aphezulu okuthenga. Ngaphandle kweenkqubo zabo, abathengisi kufuneka bacinge ngokusebenzisana njengamahlakani abarhwebi kwiibhanki okanye kwiinkqubo zokunyaniseka kwezohambo, ngaloo ndlela benxibelelana nabaphulaphuli abaninzi ngokwandisa iminikelo yabo kwelinye ijelo.
Indima yemfuno yabathengi ekuqulunqeni amaqhinga okuvuza
Ukuhlala ujongane nokutshintsha kweemfuno zabathengi kubalulekile kuye nawuphi na umthengisi, kodwa kubaluleke ngakumbi ngexesha leeholide eliguqukayo. Iinkqubo zemivuzo yeDijithali zibonelela ngokuguquguquka ukulungelelanisa iminikelo ngexesha lokwenyani ngokusekwe kukuziphatha kwabathengi kunye nezinto abazithandayo.
Umzekelo, ukuba idatha ibonisa ukunyuka kwemfuno yeemveliso ezizinzileyo, abathengisi banokukhawuleza bafake imivuzo eco-friendly okanye inkuthazo kwiinkqubo zabo. Ngokuhamba okulindeleke ukuba kunyuke kunyaka ozayo, abathengisi kufuneka baqinisekise ukuba bayinxalenye yothungelwano lwenkqubo yokuthembeka ebonelela ngokuthenga okanye iinkonzo ezinxulumene nokuhamba. Ukuguquguquka kuvumela abathengisi ukuba bahlangabezane kwaye balindele iimfuno zabathengi, bazibeke njengabasabelayo kunye nokugxila kumthengi.
Ukulungiselela ixesha leholide eliyimpumelelo
Njengoko sisondela kwiBlack November, ixesha lokuba abathengisi baphucule iindlela zabo zokuwonga ngoku. Ukwenza iinkqubo zokuvuza ngokwezifiso ukuhlangabezana neemfuno zengingqi kunye nohlobo oluthile, ukuqonda kunye nokunikezelwa kolindelo lwabathengi, kunye nokwahlula ngeminikelo eyodwa kunye neyenzelwe umntu onke ngamanyathelo abalulekileyo empumelelo.
Ngokutyala imali kwiinkqubo zokuvuza ezibonelela ngexabiso lokwenyani kwaye zilungelelaniswe neemfuno zabathengi, abathengisi banokubamba zombini iintliziyo kunye nezipaji zabathengi ngeli xesha lokhuphiswano.
Malunga nombhali: UJames Berry nguMlawuli oLawulayo we-Valuedynamx, umboneleli wehlabathi jikelele wedatha eqhutywa, imivuzo yokuthenga i-omnichannel egcinwe.
Umthombo ovela Inethiwekhi yeInsight yokuthengisa
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