I-IPREM sisiPhumo sePhondo esiNinzi seMpembelelo yokuSebenza kwaye sisiseko somgangatho wokuma ngokubalaseleyo eSpain kulwabiwo Uncedo neenkxaso ngokusekelwe kwingeniso. Ke ngoko, yiparameter yentlalontle neyoqoqosho ekufuneka uye kuyo ukuba uza kufuna enye yengeniso esele ichaziwe. Ukuya kwinqanaba lokuba iyakubonisa ukuba yimalini oyakuyifumana ngezi zibonelelo zentlalo.
Ukusuka kolu luvo, i-IPREM inokuba luncedo olunamandla ukuze ukwazi ukucacisa ukuba zeziphi izibonelelo zentlalo onokuzifumana ukusukela ngoku. Esi salathisi saqulunqwa ekuqaleni kweminyaka yoo-2000 ngenjongo eziphambili zokutshintsha i Ubuncinci boMvuzo woMsebenzi (SMI) njengomthombo wesalathiso sokulinganisa ezi nkxaso. Ayothusi into yokuba yiparameter enenjongo engakumbi yokubala. Ukuya kwinqanaba lokuba le isetyenziswa ngawo onke amaziko esizwe, oomasipala okanye abaxhomekeke kuluntu oluzimeleyo.
Isiphumo sokuqala ekuphunyezweni kwaso kukuba isiPhumo esiBanzi sePesenti yamaPhondo sikhule ngendlela ethe kratya kuneMivuzo ePhantsi yoNcedo. Ukuze ngale ndlela, uncede uninzi lwabantu abahlelelekileyo zoluntu. Kuba awungekhe ulibale ukuba eyokugqibela ibuyiselwe kwicandelo lezabasebenzi ngokungqongqo, umzekelo ukubala iparo kuhlawulwa ngabasebenzi abangaphangeliyo.
IPREM: ungayazi njani?
Ukuba uza kucela uncedo okanye inkxaso-mali kumaqumrhu aseburhulumenteni, ngekhe ubenayo nengxaki encinci yokwazi isixa-mali seZiphumo eziNinzi zoLuntu. Ngesizathu esilula kakhulu sokuchaza kwaye loo nto ivela rhoqo ngonyaka kwi Umthetho wohlahlo-lwabiwo mali. Njengesalathiso sokuqinisekisa ukuba umvuzo wethu ungaphezulu kwenani elithile lamaxesha IPREM yangoku. Hayi ngelize, kuya kufuneka ujonge esi salathisi ukujonga uncedo lwentlalo oza kuba nalo kumaqumrhu aseburhulumenteni.
Kwelinye icala, i-IPREM ihlala ine uhlaziyo rhoqo ngonyaka, kunye noMvuzo omncinci woNcedo kunye nezinye izixa zempawu. Kodwa njengoko unokucinga ukuba yipesenti encinci kakhulu kwaye kunqabile ukuba idlule kwi-1%. Into abazama ukuyenza kukuqokelela, njenge-SMI, ukwanda kobomi. Nangona kwiimeko ezininzi ayibonisi lo mkhwa, kodwa ayonelanga ukonyuka kwabantu abaza kuludinga olu ncedo kwiinyanga ezizayo.
Ukubalwa kwe-IPREM
Esi siPhumo sePhondo siSiphumo seNgeniso sichaphazela amanyathelo athile ngabemi baseSpain. Ngaba uyafuna ukwazi ukuba yeyiphi ekufuneka uyithathele ingqalelo? Ewe, nikela ingqalelo encinci kwimeko ukusukela ngoku ukuya phambili kuya kufuneka uqokelele le ncam yemali ngenxa yezizathu ezahlukeneyo.
Ngayiphi na imeko, sisixhobo ukuze ukwazi ukubala zonke iintlobo zoncedo, izifundi okanye inkxaso-mali kuxhomekeke kumvuzo kunye nemeko yobuqu onayo ngamaxesha onke. Kuba kunokuba kunjalo, ngenxa yamanqanaba emivuzo yakho, awunalo naluphi na uhlobo lwamalungelo okufumana ezi zibonelelo zentlalo. Ngayiphi na imeko, ubudlelwane babo buza kudityaniswa ngokusondeleyo kwezi zinto zilandelayo esiza kukuchazela apha ngezantsi.
- Unxibelelwano oluthe ngqo phakathi kwesalathi seZiphumo eziNinzi zoLuntu kunye ne ukungaqeshwa. Oko kukuthi, ngeli xesha unelungelo lokufumana ezi zibonelelo zengqesho.
- Kuluncedo olukhulu ekuqondeni ukuba yintoni eza kuba yiyo imbuyekezo kwimeko yokugxothwa emsebenzini. Inkqubo edlula kwinani labasebenzi kwilizwe lethu kwaye enika amathandabuzo amakhulu ekubaleni ngokuchanekileyo.
- Uya kufuna inkonzo inkululeko yobulungisa (Amagqwetha asemsebenzini) kuyakufuneka ukuba uthathele ingqalelo isiKhombisi sikaRhulumente seMiphumela yeZiphumo eziNinzi onayo. Kuba ayingabo bonke abantu abaya kuba noncedo lwezomthetho, ukuba akunjalo, ngokuchaseneyo, abona bantu bahlelelekileyo eluntwini kwaye bafumana umvuzo omncinci minyaka le.
- Ngezizathu ezifanayo, kufuneka isetyenziselwe ukufikelela kwi izindlu zentlalo. Njengakwiimeko ezithile zamakhaya eVPPL kunye neVPPB. Kananjalo nokwazi ngokuchanekileyo ukuba unelungelo lokufumana uncedo lokurenta oluchazwe kwizicwangciso ezintsha zezindlu. Kananjalo nakwezinye izinto ezingafanelekanga ezichaphazela abasebenzisi.
Ukuvela kwe-IPREM
Ngapha koko, owona mzuzu ubalulekileyo uyeza kwaye ukwazi ukuba leliphi elona xabiso lawo. Ewe, kule nyaniso kufanele kuqatshelwe ukuba uncedo oluthile luthintelwe, umzekelo, ukuya kumaxesha angama-4,5 ngexabiso leSikhombisi seNgeniso yeZiphumo zoLuntu. I-IPREM yangoku ngo-2018 yile 536 euro, ngelixa ucinga unyaka wonke kunye neentlawulo ezilishumi elinambini, isixa siya kufikelela kwi-6.545 euro. Kwaye ngaphezulu, i-7.519 euro ukuba ifakwe kwiintlawulo zonyaka ezili-14. La ngamanani ahlaziyiweyo ukuya kumhla wokunikezelwa kwam kwaye abonisa ukwanda okuqhubekayo kunyaka ngamnye. Ukusuka kwii-euro ezingama-460 ezazikho ngonyaka ka-2004, umzuzu apho uMbonisi woLuntu we-Multiple Effects Income wabonakala.
Kwelinye icala, kufanele kuqatshelwe ukuba ngalo mzuzu, i-IPREM iya kuhlala efriziwe ngo-2018 ulinde ukuboniswa kwe-PGE (uHlahlo lwabiwo-mali Jikelele). Ngale ndlela, kufuneka kukhunjulwe ukuba kunyaka ophelileyo bekungekho kuJuni xa iNkcazo yeMpembelelo yokuNinzi yeMiphumo yoLuntu yahlaziywa. Kuyo nayiphi na imeko, inyani yokuba ukwanda kwesi salathisi kule minyaka ilishumi idlulileyo ibisezantsi kunaleyo ibonakaliswe nguMvuzo omncinane woNcedo. Ukungqina intsingiselo yazo zombini izikhombisi, ukuba azisoloko zizalisekisa imisebenzi efanayo.
Ukuxabisa ukuphunyezwa kwayo
Enye into ebaluleke kakhulu kwicala leSalathi seMpembelelo zoNinzi zoLuntu kukuba akukho meko zivumelekile kuthethathethwano lomvuzo. Akunjalo nakwizivumelwano ezihlangeneyo. Ayinanto yakwenza noku izinto zomsebenzi njengoko ubona kwangaphambili emva kwengcaciso eyenziweyo ngaphambili. Kuya kufuneka icace gca kuwe ukuba ikhonkco ngqo kunye ne-IPREM likuzo zonke iintlobo zoncedo lwentlalo kunye neenkxaso. Ngokukodwa ngokukodwa kwaye iya kuba luncedo kakhulu ekuqondeni ngokuchanekileyo kwaye ungathandabuzi kakhulu kwisicelo sayo esilandelayo.
Ukusetyenziswa kwepenshini kuya kubakho umahluko ofanelekileyo phakathi kwezi zikhombisi zombini. Oko kukuthi, phakathi kwe-IPREM uqobo kunye noMvuzo omncinci woNcedo. Kuba eyokuqala kuzo iya kuba yindawo ekubhekiswa kuyo ukubala iipenshini ezichazwe njenge ukunganikeli kwaye ngalo mzuzu isixa sokuqonda ukuya kuthi ga kwi-400 euro ngenyanga. Ewe, oku kubalwa kuya kufuneka kuthathelwe ingqalelo ukuze kufikelelwe kwisixa sokugqibela kwaye iya kuba lelo lihlawuliswa ngabemi abangenayo iminyaka yemirhumo eyimfuneko yokuhlawula ipenshoni.
Ukulawula izifundiswa, umvuzo, njl.
Ewe kunjalo, eminye imiba yokuqaqambisa ihlala kule ndawo ngeli xesha, kwaye ukusukela oko i-Public Multiple Effects Income Indicator yasungulwa, ilandele indlela yayo kude nale iphawulwe yi-SMI, nangona iimali zayo zisondele kakhulu . Hayi ngelize, ungalibali ukuba abananto yakwenza nayo kuba, okwangoku, kubhekiswa kuyo izinto ezihluke ngokupheleleyo. Kangangoko kukho indawo elungileyo yabasebenzisi ebaphambanisa kwasekuqaleni. Nangona kungenjalo phantsi kwawo nawuphi na umba okanye kwiinkqubo ezifanayo.
Kwelinye icala, kubalulekile ukubonisa ukuba i-IPREM ibaluleke kakhulu xa kuziwa ekulawuleni izifundiswa kunye nengeniso. Nokuba inantoni yokwenza nolawulo lwe Iintsapho ezinkulu (enabantwana abane okanye nangaphezulu kwicandelo elinye losapho) okanye nokufumana ngokufanelekileyo uncedo lwasimahla lwezomthetho. Ke ngoko, kuluncedo kakhulu ukuba unolwazelelelo kwinkcazo yayo kuba ngaxa lithile okanye kwenye ungayisebenzisa le ndlela yokubala ilula malunga nemali ekufuneka uyifumene kwizinto ezithile zobomi bemihla ngemihla.
Izinto eziphantsi kwe-IPREM
Ngayiphi na imeko, kukho ezinye izinto apho esi salathisi sibalulekileyo kufuneka siqwalasele ukuba uyafikelela na kuncedo okanye inkxaso-mali. Phakathi kwezi zimi kwezi zilandelayo sikubhenca apha ngezantsi:
- Izibonelelo Naluphi na uhlobo, zombini iintsapho kunye nabantu ngabanye.
- Uqeqesho lokufunda yabamangali kule klasi yoncedo loluntu, ebandakanya ezinye iinkqubo ezinxulumene nemfundo kunye neyunivesithi.
- Kwaye okokugqibela, oko kubizwa ngokuba ukungaqeshwa Abasebenzi abaninzi basebenzisa ukuqeqesha kwaye bakwazi ukufikelela kwimakethi yezabasebenzi kunye neziqinisekiso ezipheleleyo zokujoyina iinyanga ezizayo.