Hon House Chair, hon Minister Rob Davies, all Ministers present and hon members of this august House, I would like to acknowledge the presence of our Deputy Director-General, Madam Ntuli.
Firstly, I want to deal with an issue raised by the hon Nkomo of the IFP. She said that she didn't understand what type of people were in this House, because after the hon Oriani-Ambrosini was no longer on the committee, two sections were not dealt with.
I want to assure the hon Nkomo that hon Oriani-Ambrosini's contributions were highly appreciated by all of us in the committee. I also want to say that I think it is the responsibility of the party to make sure that if its member is not present, they replace that member. It is not the responsibility of the committee; it is the responsibility of the party. I think she is welcome to replace the hon Oriani-Ambrosini when he is not present there.
Ndzi lava ku vulavula na vamanana lava nga eBushbuckridge na le Limpopo mayelana na Nawu wa Swikweleti wa 2005 lowu wu antswisiwaka. Nawu lowu i Bili leyi vekiweke hi Comrade Rob Davies leswaku wu antswisiwa. Ndzi lava ku va hlamusela leswaku hikwalaho ka yini. Mhaka hi leswaku ku fanele ku langutisiwa timhaka ta "reckless lending" [malombele ya vusompfa] laha vanhu va nyikiwaka swikweleti leswi va nga kotiki ku swi hakela, tirhekhodo ta vona ti nga kambisisiwanga ku tlhela ku nga langutiwanga leswaku xana miholo ya vona yi nga swi kota ku hakela swikweleti swoleswo. Nawu lowu wu lulamisa swoleswo.
Nawu lowu wu tlhela wu langutisa na timhaka ta swinavetiso leswi hi swi vonaka hinkwako lomu hi fambafambaka kona, leswi hi vitanaka leswaku hi ya teka swikweleti. Swinavetiso leswi hi swi vona eka thelevhixini, TV. Masikulawa swi nghenisiwa na le ka tiselifoni ta hina. Loko u tshamile u kuma mahungu ya leswaku tana u ta teka xikweleti hikuva a xi karhati naswona a xi lavi leswaku u ya kamberiwa eka "credit bureaus" [tibyuro ta swikweleti]. Va yenga vanhu vo tala leswaku va nghena eka swikweleti leswi va nga ta ka va nga swi koti. Hikokwalaho, Nawu lowu i malamulele, wu ta lamulela hina lava hi nga swi tiviki.
Xin'wana nakambe hileswaku loko se u nghenile eswikweletini swoleswo ku cheriwa swilo leswi vuriwaka 'credit interests' [mitswalo ya xikweleti] leswi va nga swi hlamuseleki loko va ha ku gangisa leswaku u ta teka xikweleti xolexo. Hikwalaho u tlimbeletiwa leswaku u hakela swilo swoleswo laha a wu fanele u nga hakeli.
Nakambe ndzi lava ku vulavula hi mhaka ya swikweleti loko swi hundzeriwile hi nkarhi. Endzhaku ka malembe manharhu xikweleti xa fa, kambe ku na vutsotsinyana lebyi byi nga kona bya leswaku vanhu va tshama va karhi va xavisa swikweleti leswiyani eka van'wana. Va xi hundzisa xi ya eka un'wana. U kuma leswaku u beriwa rigingho hi magqweta man'wana u nga ma tiviki, a wu si tshama u vulavula na vona, va vula leswaku u fanele ku hatlisa u ya hakela. Vanhu va ka hina hi ku pfumala vutivi u kuma leswaku va ya, kumbexana va ya hakelanyana R5, kutani xikweleti xi tlhela xi pfuka xi yima hi milenge.
Nawu lowu wu tisiwaka hi African National Congress wu ta lwa na maxangu yalawo hinkwawo. Hi ntiyiso Comrade Rob Davies laha mina ndzi humaka kona eHoedspruit na Bushbuckridge va vula leswaku loko Nawu lowu wo pasa, siku ra kona va ta ri tsala eka khalendara leswaku va ta hamba va ri tlangela ku fana na Siku ra Ntshunxeko. Va ta ri vula siku ra 'economic freedom' [ntshunxeko wa swa ikhonomi]. Loko ho kota ku pasisa Nawu lowu, i ntiyiso leswaku va ta kota ku swi vona kahle leswaku hakunene hi na xitori xa kahle xo xi vula. Inkomu. [Va phokotela.](Translation of Xitsonga paragraphs follows.)
[I would like to talk to women who are in Bushbuckridge and Limpopo with regard to the National Credit Act, Act 34 of 2005, which has been improved. This Act was presented by Comrade Rob Davies so that it can be improved. I want to explain the reason why. The thing is that we have to look at the issue of reckless lending, when people are given credit that they cannot afford to pay back. Their credit records are not checked and it is not established whether or not their salaries can afford such credit. This Act corrects that.
This Act also addresses the issue of advertisements that we see all over, wherever we go, which invite us to go and get credit. We see these advertisements on television. Of late they are sent through to our cellular phones. You get information that you should go and get credit because it is easy and there is no need for any credit check from credit bureaus. They entice so many people to obtain credit that they will not be able to afford. For that reason, this Act is a deterrent; it will protect those of us who are less informed.
One other thing is that once you are in such debt, they add what is referred to as credit interest, which they do not disclose when they recruit you to take that credit. This is why you are forced to pay such interest that you were not supposed to.
Once more I would like to talk about debt that has expired. Debt expires after three years, but there is fraud that is used to make people continue to provide the same debt to other people. They pass it on to others. You would find that certain lawyers that you do not know of, that you never spoke to, would phone you and inform you to go and pay urgently. Due to lack of information, our people would go and pay as little as R5, and then the debt will be renewed.
The Act that is brought forth by the ANC will fight against that scourge. Truly speaking, Comrade Rob Davies, in Hoedspruit and Bushbuckridge, where I come from, people are saying that should this Bill be passed into an Act, they will record it on their calendars so that they can commemorate it like Freedom Day. They will call it Economic Freedom Day. Should we manage to pass this Act, it is clear that they will see that there is a good story to tell. I thank you. [Applause.]]