Phakathi kukaSepthemba no-Okthoba, i-Brazilian Federal Revenue Service yazise osomabhizinisi abancane abayi-1,121,419 ngabanye (MEI) kanye namabhizinisi amancane namakhulu ayi-754,915 ayenezikweletu ne-Simples Nacional (Simplified National Tax System), ebeka engcupheni yokukhishwa kulolu hlelo lwentela ngonyaka ozayo uma bengazikhokhi izikweletu zabo. Lesi simo sokwehluleka ukukhokha singase sithonywe kakhulu ukuntuleka kwenhlangano yezezimali, njengoba kuboniswe ucwaningo lwamuva olwenziwe yi-Ceape Brasil (Isikhungo Sokusekela Amabhizinisi Amancane) ukuze baqonde ukuthi i-Financial Education ikhona kanjani phakathi kosomabhizinisi abancane. Ngokusho kocwaningo, ama-69.7% abaphenduli bathi babe nezinkinga zokufeza izibopho zabo zebhizinisi, okuhlanganisa nokukhokhela abaphakeli noma abasebenzi. Futhi, uma lokhu kungenzeka, izikweletu zomndeni zithatha indawo engemuva, njengoba kumenyezelwe yi-29.3% esele.
“Isimo sezomnotho omkhulu saseBrazil siyinselele ngokwanele kosomabhizinisi baseBrazil. Sisenamazinga enzalo aphezulu kanye nokukhula komnotho okuphansi. Kodwa inselele enkulu ukulungela kosomabhizinisi. Ngokuvamile, abantu abalawuli imali engenayo kanye nezindleko zabo futhi abanalo ulwazi oluyisisekelo lwezezimali lokwenza izinqumo ezinqala ezingaholela ekudeni kwebhizinisi noma ekuhlulekeni kwalo,” kuchaza uClaudia Cisneiros, umqondisi omkhulu we-CEAPE Brasil, ogxile ekuhlinzekeni ngezimali ezincane ezikhiqizayo, okungukuthi, ukuhlanganisa izimali mboleko nemfundo yezezimali kubaboleki.
Okunye okuphawulekayo okutholakele ocwaningweni ukuthi bangu-54.1% kuphela osomabhizinisi abavame ukuhlukanisa ama-akhawunti abo omuntu siqu nawebhizinisi. Kuwo wonke amasampula, abangu-5.4% abaphendulile bathi ababoni sizathu sokuwahlukanisa. Abanye abangu-25.2% bathi ngezinye izikhathi badinga ukudlulisela izinsiza zabo siqu ebhizinisini kanye nokunye, kanti abanye abangu-15.4% baphawula ukuthi "benza konke okusemandleni abo," okusho ukuthi abakwazi ukuphatha ama-akhawunti amabili ahlukene ngoba izinombolo azilingani.
UClaudia Cisneiros ukholelwa ukuthi, ngokuvamile, osomabhizinisi baseBrazil sebeyaqonda kakade ukubaluleka kokuba nemfundo enhle yezezimali ukuze basekele ibhizinisi, kodwa kuningi okusakwenziwa ngendlela engahlelekile. “Kuzwakala kuyinto evamile, kodwa umqondo ‘wokwenza’ ukhona kakhulu uma sikhuluma ngokuphatha amabhizinisi amancane. Ngaphambilini, kwakuvame kakhulu ukuthi abantu bangagcini ibhalansi yansuku zonke yezindleko zabo futhi bazame ngamandla ‘ukulinganisela izincwadi’ ezinsukwini zokugcina zenyanga. Namuhla, abantu abaningi bayaqonda ukuthi kubalulekile ukwenza lokhu kulawula njengendlela yokuvimbela, kodwa bayaluchitha usizo lochwepheshe wezezimali, isibonelo,” usho kanje.
Ukuzigxeka
Iningi (33.5%) lithole iphutha labo eliyinhloko lezezimali njengokuntuleka kokuhlela lapho benza izinkokhelo, kulandelwa imigomo yokukhokha ehlolwe ngendlela engafanele (27.7%). Ama-22.7% abhekane nezinkinga ngenxa "yokuthenga izinto ngokuphazima kweso" ngaphandle kokuhlola umthelela wesikhathi esizayo. Ama-16.1% asele abonise ukuthi ukukhetha indlela yokukhokha noma yokuxhasa ngezimali engalungile sekuvele kubabangele izinkinga.
Ngokuphathelene nokulawulwa kwemali engenayo uma kuqhathaniswa nezindleko, idatha etholakele ikhombisa isimo esikhathazayo: osomabhizinisi abangu-9.1% bathi balawula yonke into ngokwengqondo, kanti abanye abangu-7.9% bathi abasebenzisi nhlobo ukulawula. Phakathi kwalabo abafuna ukubheka ngokucophelela ukuhamba kwemali yabo, abangu-7% bathembele kulokho abakutshelwa ngababali babo, abangu-14.5% basebenzisa amaspredishithi, kanti abanye abangu-61.6% basebenzisa incwadi yokubhalela ukuvala ama-akhawunti.
Ucwaningo lwenziwe nosomabhizinisi abancane nabancane abangu-242 abangamakhasimende eCeape Brasil. Njengoba sikhona eMaranhão, ePará, eTocantins, eCeará, ePiauí, ePernambuco, e-Alagoas, eSão Paulo, eBahia, naseRio Grande do Sul, lesi sikhungo sinamakhasimende asebenzayo angu-21,000, okusho ukuthi labo abanemali mboleko eqhubekayo. I-Ceape igxile ekunikezeni imali mboleko encane ekhiqizayo, ehlanganisa imali mboleko nemfundo yezezimali kubaboleki, futhi isivele inikeze imali mboleko engaphezu kuka-R$ 7.4 billion, okuzuzisa osomabhizinisi ababalelwa ezigidini ezingu-1.5, ikakhulukazi esifundeni saseNyakatho-mpumalanga.
