Ngaphansi kweCompetition Act, umthengi ngokuvamile uthenga izimpahla noma athole izinsizakalo ukuze azisebenzise yena, hhayi ukuze azithengise futhi. Ukuhweba ngokungafanele kuhlanganisa izimangalo ezingamanga ngemvelaphi, ubudala, ikhwalithi, ukufaneleka, intengo noma ukutholakala; ukukhangisa okukhohlisayo; ukuthengisa ngelithi kukhona okuthile kodwa singekho; ukuthengisa okuyiphiramidi; imiklomelo eyinkohliso; imikhiqizo engaphephile; nemigomo yenkontileka esusa ngokungafanele umthwalo wemfanelo wamaphutha. Gcina amarisidi, izinkontileka, amarekhodi okukhokha, imiyalezo, izithombe nezikhangiso. Xhumana nebhizinisi kuqala uma kungenzeka, bese uthumela isikhalo kuMnyango Wokuvikelwa Kwabathengi we-Eswatini Competition Commission (ESCC). Izikhalo zimahhala, zingathunyelwa ngefomu lesikhalo ku-info@compco.co.sz, futhi zingenziwa ngocingo ku-+268 2404 0111 noma 0421. I-ESCC ivame ukufuna isixazululo okuvunyelwene ngaso cishe emasontweni amabili; uphenyo lungathatha cishe izinsuku zokusebenza ezingu-90. Imithombo ehloliwe ayitholanga umnqamulajuqu womphakathi omisiwe. Izikhalo zezimali ziya ezikhungweni ezihlukile. I-Central Bank of Eswatini neyunithi yayo ye-Market Conduct and Consumer Protection iqondisa amabhange, abathengisi abagunyaziwe abanegunya elilinganiselwe, abathumeli bemali, abahlinzeki bezinkokhelo nezinsizakalo zemali yeselula. Qala ngokukhononda esikhungweni sezimali, bese uthintana no-Ombudsman we-CBE ku-ombudsman@centralbank.org.sz; isevisi imahhala kodwa awukho umnqamulajuqu wesinqumo ofanayo oshicilelwe. I-Consumer Credit Act isebenza kubantu ngabanye nasemabhizinisini anenzuzo yonyaka efika ku-E1 million. Inikeza amalungelo afana nokuthola izizathu zokwenqatshwa kwesikweletu, imibhalo ecacile yokuthengiselana, izimali ezisemthethweni, isitatimende samahhala sanyanga zonke, ulwazi lwebhalansi uma luceliwe, ukulungiswa kwamaphutha embikweni wesikweletu, ukukhokha kusenesikhathi nesaziso esibhaliwe sokwephula isivumelwano. Amakhasimende kufanele avikele ama-PIN, amaphasiwedi namakhadi, anikeze ulwazi olunembile, abike izenzo ezingalungile ezisolwayo futhi asebenzise izikhungo zezimali ezinelayisensi. IFinancial Services Regulatory Authority iqondisa abahlinzeki bezimali abangewona amabhange, kuhlanganise izinkampani zomshwalense, izikhwama zempesheni, izikhungo zokonga nezikweletu, ama-SACCO, ababolekisi, ama-credit bureau, abeluleki bezikweletu, izinhlangano zokwakha nezinkampani zezimakethe zemali. Qala ngesikhalo esibhaliwe kumhlinzeki. Uma kungekho mpendulo zingakapheli izinsuku ezingu-30 noma impendulo ingagculisi, isikhalo singathunyelwa ku-Ombudsman of Financial Services (OFS) nesikhalo esisayiniwe ngesiNgisi noma ngesiSwati kanye nobufakazi obusekelayo. Isinqumo se-OFS esamukelwe siba ngesokugcina nesibophezelayo. Umqulu wenkonzo yamakhasimende we-FSRA ukhuluma ngokuvuma ukuthola isikhalo ngokubhala zingakapheli izinsuku ezimbili zokusebenza nokuhlola noma ukuthatha isinyathelo zingakapheli izinsuku ezingu-90. Ngezokuxhumana ngocingo, ukusakaza, iposi nezinye izinsizakalo ze-ICT, khononda kuqala kumhlinzeki bese uthinta i-Eswatini Communications Commission (ESCCOM). Gcina izikweletu, izinombolo zezikhalo, izimpendulo zomhlinzeki namarekhodi esevisi. I-ESCCOM ibhekana nezindaba ezifana nezikweletu ezingacacile, ikhwalithi yesevisi, ubumfihlo, ukukhangisa okukhohlisayo, amanani eqile noma abandlululayo, ukuboshelwa esivumelwaneni, isaziso sokunqamula nokufinyelela ezingcingweni eziphuthumayo. Iziqondiso zayo zikhuluma ngokukhanselwa kwenkontileka phakathi kwezinsuku ezingu-90, kodwa alikho imali evamile yesikhalo noma isikhathi esinqunyiwe sesinqumo esitholakele. Izikhalo zikagesi ziqala enkampanini kagesi enelayisensi bese zidlulela ku-Eswatini Energy Regulatory Authority (ESERA). Isikhalo singaba ngesikweletu, isaziso sokunqanyulwa, isikweletu esikhulu, izinhlelo zokukhokha, amadiphozithi, izindleko, izintela, ukuhlolwa kwemitha, uxhumano olusha, ukucima kukagesi, okokusebenza noma ukuphazamiseka. Isikhalo esibhaliwe ku-ESERA kufanele siveze okhalayo, sichaze udaba lomthetho noma lwelayisensi, sifake ubufakazi futhi sibonise ukuthi inkampani enelayisensi ithintwe kuqala. I-ESERA ithi ivuma izikhalo zingakapheli izinsuku eziyisikhombisa futhi ivame ukwenza isinqumo sokugcina phakathi kwezinyanga ezimbili, noma ezine uma kudingeka umsebenzi owengeziwe. Kungase kube nokulamula noma ukwahlulela, futhi izimali zingasebenza ngaphansi kwemithetho yeGazette. I-Electronic Communications and Transactions Act 2022 inemithetho yezinkontileka zezimpahla nezinsizakalo ze-elektroniki, nakuba imithombo ehloliwe ingaqinisekisanga ukuthi izinhlinzeko ezifanele zaqala ukusebenza ngesaziso seGazette sikangqongqoshe. Uma zisebenza, umthengisi we-inthanethi unikeza imininingwane yokuxhumana, ulwazi olubalulekile lomkhiqizo noma lwenkonzo, inani eliphelele elihlanganisa ezokuthutha, izintela nezimali, ulwazi lokukhokha okuphephile nokufinyelela kurekhodi lenkontileka ye-elektroniki. Ikhasimende lingabuyekeza, lilungise noma lihoxise i-oda ngaphambi kokulithumela. Ukwehluleka ukuhlangabezana nalezi zidingo kungavumela ukukhansela phakathi kwezinsuku ezingu-14 ngemva kokuthola izimpahla. Isikhathi esivamile sokuzisola yizinsuku eziyisikhombisa kusukela ekulethweni kwezimpahla nezinsuku eziyisikhombisa kusukela enkontilekeni yezinsizakalo; ukubuyiselwa kwemali kufanele kwenzeke phakathi kwezinsuku ezingu-30. Okuhlukile kufaka izinsizakalo zezimali, izindali, ukudla okuvamile nempahla yasekhaya, izimpahla ezenzelwe umuntu noma ezibola ngokushesha, okulandiwe okungakavulwa, imidlalo namalotho, nokubhukha indawo yokuhlala, ezokuthutha, ukudla noma ukuzijabulisa ngesikhathi esibekiwe. Abahlinzeki ngokuvamile bahlinzeka ngezimpahla noma izinsizakalo zingakapheli izinsuku ezingu-30 ngaphandle uma kuvunyelwene ngesinye isikhathi; ngemva kokubambezeleka, isaziso esibhaliwe singanikeza izinsuku eziyisikhombisa zokufeza isivumelwano. Uma izimpahla zingatholakali, kudingeka isaziso esisheshayo nokubuyiselwa kwemali zingakapheli izinsuku ezingu-30. Imiyalezo ye-elektroniki engacelwanga idinga imvume nokuhlonza umthumeli, imininingwane yokuxhumana, indlela yokuphuma nokudalulwa komthombo. Izikhalo ngokuxhumana nokuthengiselana nge-elektroniki zingayiswa ku-ESCCOM lapho amandla ayo esebenza khona. Izikhalo zezivakashi ngendawo yokuhlala, izinkampani zohambo, abaqondisi noma ezinye izikhungo zezokuvakasha zingathunyelwa ku-Eswatini Tourism Authority ku-ETAfeedback@tourismauthority.org.sz noma nge-WhatsApp ku-+268 7808 9000. I-Tourism Authority iphenya izikhalo zezivakashi, kodwa awukho umnqamulajuqu obophezela umphakathi noma imali yesikhalo eshicilelwe. Ukubhukha indawo yokuhlala, ezokuthutha, ukudla nokuzijabulisa ngesikhathi esithile kungase kube ngaphansi kokuhlukile kwezinkontileka ze-elektroniki okuchazwe ngenhla. Ukuvikelwa kwemikhiqizo yezempilo kusakazeke ezikhungweni ezahlukene. UMnyango Wezempilo neMedicines Regulatory Unit yawo iphethe ukubhaliswa kwemithi nabangenisa imithi, ukubhaliswa kwezikhungo zemithi, izimvume zokungenisa nokuthumela ngaphandle, ukuhlola nokuqapha imikhiqizo esidayisiwe. Indlela evamile neyamanje yesikhalo sabathengi ngemithi ayishicilelwanga ngokucacile; izinkinga zomuthi okusolwayo zingabikwa ngefomu elibhaliwe lokusabela okungekuhle emuthini noma ngenqubo yeCentral Medical Stores. I-ESCC ingase ifaneleke ekuhwebeni ngokungafanele, kanti i-Eswatini Standards Authority ingahlinzeka ngomsebenzi wezindinganiso, ukuhlola, ukuqinisekisa noma ukukala. Izindinganiso zayo ngokuvamile zingokuzithandela ngaphandle uma umthetho wenza elithile libe yimpoqo; ayikahlonzwa njengesikhungo esivamile sokubuyisa imali. Imikhonyovu kufanele ibikwe ebhange noma kumhlinzeki wezezimali ofanele, ku-CBE ezimweni zamabhange noma izinkokhelo, ku-FSRA kubahlinzeki bezimali abangewona amabhange, naseRoyal Eswatini Police Service uma kusolwa ubugebengu. Izithembiso zenzuzo ephezulu ngokungavamile ngesikhathi esifushane, imali etholwa ngokuqasha abanye, ingcindezi yokukhokha ngokushesha, ukungabi namaphepha nezimangalo ezingasekelwe zamalayisensi angaphandle kubonisa izingozi zepiramidi noma ze-Ponzi, ngezinye izikhathi ezibizwa ngokuthi i-luholiswane. Hlola ilayisensi ye-CBE noma ye-FSRA ngaphambi kokukhokha. Ngemali yeselula, qinisekisa ukuthengiselana ohlelweni lomhlinzeki, kubhalansi ye-akhawunti noma esiteshini esisemthethweni, ungathembeli ku-SMS, futhi ungatsheli muntu i-PIN yakho. Ukubika akuqinisekisi ukubuyiselwa kwemali. Ukuthenga, ukubhanga namacala omphakathi yizindawo ezihlukene; zifaneleka lapha kuphela uma zinikeza indlela edingekayo yesikhalo, yokuphoqelela umthetho noma yokudlulisela udaba.
Ukuvikelwa kwabathengi e-Eswatini
Ukuvikelwa kwabathengi e-Eswatini kuhlanganisa izivikelo nezindlela zokulungisa inkinga kubantu abathenga izimpahla, izinsizakalo, isikweletu, okunikezwayo kwedijithali neminye imikhiqizo emabhizinisini. Uhlaka lusakazeke kuCompetition Act 2007, Fair Trading Act 2001, Consumer Credit Act 2016 njengoba yachitshiyelwa ngo-2021, nemithetho yemikhakha ethile. I-Eswatini Competition Commission ibhekana nezikhalo ezibanzi zokuhweba ngokungafanele, kanti izikhalo zezimali, ezokuxhumana, ezamandla, ezokuvakasha nemikhiqizo yezempilo zilandela izindlela zemikhakha yazo.
Tip
Phatha ukuvikelwa kwabathengi e-Eswatini njengohlelo lokudlulisela udaba esikhungweni esifanele somkhakha, hhayi njengohlelo olulodwa lwezikhalo. Thola isikhungo esifanele, gcina ubufakazi bese uqala ngokuxhumana nebhizinisi noma umhlinzeki, ngaphandle uma kusolwa umkhonyovu noma ingozi yokuphepha esheshayo edinga ukubika ngokushesha. Gcina izindaba zezinkontileka zedijithali, ezezimali, zamandla nezemikhiqizo yezempilo zihlukene, ngoba amakhambi, iminqamulajuqu nabathatha izinqumo kuyahluka.