Esemncane, u-Aditi Kothari Desai wafundiswa ngokubaluleka kokuzimela ngokwezimali umama wakhe, owamtshela ukuthi udinga umsebenzi lapho esekhulile ukuze azenzele imali. Namuhla, iNhloko Yezokuthengisa, Ezokumaketha kanye Nezamabhizinisi, i-DSP Investment Managers, ihola izinhlelo zezimali kule nhlangano futhi iphinde yaba neqhaza elikhulu ekusunguleni i-Winvestor, uhlelo okuhloswe ngalo ukunika abesifazane amandla ngokuzethemba nolwazi lwezezimali ukuze bahlelele ukuphepha kwabo isikhathi eside.
Ophothule izifundo ze-Economics e-Wharton School of the University of Pennsylvania U-Kothari Desai uqedele i-MBA yakhe e-Harvard Business School, futhi namuhla ungumphathiswa ku-Hemendra Kothari Foundation kanye ne-Wildlife Conservation Trust. Ngiye kuye.
Kunoma isiphi isikhathi empilweni, ingabe uke wabhekana nanoma yikuphi ukuphikiswa okuvela emndenini wakho ngenxa yobulili bakho?
Abazali bami babengisekela ngaso sonke isikhathi, kodwa babenovalo ngokuthi ngiyofunda phesheya, emuva ngo-1994. Ngakho, kwadingeka ngiqale ukusebenza ngabo eminyakeni embalwa ezayo, njengoba babehlale benqaba. Lapho ubaba evuma ukungithumela uma ngingena eWharton, ngangazi ukuthi leli kwakuwukuphela kwethikithi lami ngakho ngagxila ekulitholeni.
Ingabe wake wabhekana nakho ukuthi kudingeke usebenze kanzima kabili ukuze uzibonakalise kwabanye?
Kwa-DSP, sifuna umuntu ofanele umsebenzi ofanele, onokungathathi hlangothi ngobulili. Sinabesifazane abafakwe ezikhundleni eziphezulu kakhulu.
Ucabanga ukuthi ukhuluma kanjani nomuntu wakho ngendlela ehlukile ngenxa yobulili bakho?
Ukuba ngowesifazane kunamandla ako, kodwa akekho obuza amadoda lo mbuzo! Ngingumuntu ohambayo emsebenzini, futhi kufanele ngikwenze konke okusemandleni ami. Futhi yilokho okubalulekile.
NgoWinvestor uveza isidingo sokuthi abesifazane baphathe izimali zabo. Yini ekwenze wabona ukuthi ngisho nabesifazane abaphumelele kakhulu abanalo ulwazi, futhi ngokuvamile bayakujabulela ukuhambisana nezeluleko zabesilisa ezimpilweni zabo?
Kuqale ngo-2010-11 lapho abangani abambalwa bengibuza ukuthi kufanele batshale kanjani. Babedinga izeluleko eziphelele futhi angikwazanga ukubenzela esisodwa ngesikhathi. Babedinga umuntu ozobanakekela njalo amaphothifoliyo abo, ngakho ngangibabhanqa nabeluleki besifazane ababecabanga njengami. Kwaba yisimo sabesifazane esisiza abesifazane, futhi waqala kanjalo uWinvestor.
Unqume kanjani ukukwenyusa?
Nginqume ukukukhuphula ngokuya emakhempasi nasezindaweni zamahhovisi ngikhuluma nabesifazane, ngibafundise ngokutshalwa kwezimali nokuthi kungani kumele baphathe izimali zabo. Ngokuhamba kwesikhathi ngalokhu kusebenzisana ngabona, iningi labasebenzi lalizizwa lizimele ngokwezimali ngokuthola imali nje, lingacabangi ukutshalwa kwezimali kwalo. Abazimele ngokugcwele ngokwezimali kuze kube bayazi ukuthi banemalini. Ngafunda izinto ezimbalwa engangingabhekana nazo.
1. Abesifazane abaningi bayasebenza, futhi yimali abayisebenze kanzima ngakho kufanele bazi ukuthi benzeni ngayo. Lokhu kuya nakulabo abathola ifa, abathola imali yesondlo noma abahlomulayo kumshwalense wempilo.
2. Abesifazane abasebenzayo namuhla basenkingeni enkulu ngesikhathi sokubeletha njengoba ikhefu linezinyanga eziyisithupha kuphela, futhi babeka ukuthi abanaso isiqiniseko sokuthi bathathe ikhefu noma babuyele emsebenzini njengoba sebejwayele ukuhola. Uma bekuhlelela lesi gebe, bangathola imali engenayo emalini abayitshalile.
3. Ngokuvamile, lapho abesifazane befuna ukuthenga izinto ezinkulu ekuphileni, kudingeka babuze imibuzo eminingi ngemali yabo, abazi nokuthi banamalini. Abaningi abanaso isithakazelo, banokuthenjwa okuyimpumputhe. Babambekile emqondweni ukuthi abalungile.
4. Ukuzimela ngokwezimali kanye nokutshalwa kwezimali kudinga ukufundiswa abasebasha, ngakho intsha iyazilungiselela lapho ihola umholo wayo wokuqala.
Ngalolu bhubhane, ukuzinza kwezezimali kuye kwaba nemiphumela emibi. Iseluleko sakho?
Kufanele sibheke okwedlule, nokuthi sesiluleme kanjani. Ngo-1991, i-India yabhekana nenkinga yezimali nenkinga yokuhwebelana kwamanye amazwe, kodwa sasebenza futhi kwashintsha kwaba ngcono. Sabe sesiba ne-dotcom boom and bust, futhi saba nokwehla komnotho ngo-2008. Isikhathi ngasinye siphumelele futhi sizophumelela, manje. Kudinga ukubekezela. Kukhona ukukhathazeka, kodwa udinga ukubamba iphothifoliyo ehlukahlukene futhi elinganiselayo, kufanele ucabange isikhathi eside.
Uyazithanda futhi izilwane zasendle, futhi usebenza ebhodini lezikhungo ezahlukene. Kwenzeka kanjani lokho?
Ngathandana nezilwane ngisemncane futhi ngavakashela izindawo eziningi zokulondoloza izilwane nabazali bami, lapho siqala ukuqaphela ngokongiwa kwemvelo. Besazi ukuthi kufanele senze okuthile ukuze silondolozele izizukulwane ezizayo. Ngangikuthanda ukufunda ngokuziphatha kwezilwane futhi ngakufunda. Bangase bangakwazi ukukhuluma, futhi baxhashazwe abantu, okungenze ngazizwa nginamandla kakhulu ngokufuna ukuba yizwi labo.
Iseluleko esilotshwe enkumbulweni yakho?
Uma kunentando kukhona indlela. Kufanele nje ubeke ukugxila kwakho okuphelele futhi ushayele kukho.
Uma ubungashiya abafundi bethu nomcabango owodwa, bekungaba yini?
Yiba ngumfundi impilo yakho yonke. Ngaleyo ndlela ufunda nsuku zonke. Ungalokothi ucabange ukuthi sekwanele. Futhi yebo, funda ukuba umuntu ongcono nsuku zonke.
Yiziphi ezinye izinto ozithakaselayo, uzikhulula kanjani?
Ngaphandle kwezilwane zasendle nokufunda, ngiyilandela ngokujulile iBhagawad Gita, futhi ngifunda kuyo kabili ngesonto. Ngaphandle kwalokho, ngithanda ukuhamba nokuhlola amadolobha futhi ngivamise ukubukela imibukiso nokufunda mayelana nokuhamba. Mina nomyeni wami sibukela izinhlelo eziningi zabaseshi.
'Ukusekelwa kwemikhiqizo yasekhaya' akusewona umusho nje. Kudingeka kube inhloso ngemuva kwakho konke ukuthenga esikwenzayo namuhla. Ubhubhane lwango-2020 lunikeze umfutho omkhulu enhlanganweni yasekhaya esevele ikhona. Njengoba i-India igubha iminyaka engama-73 yeNkululeko, sihlanganise udaba olukhethekile olumayelana ne-‘Vocal about Local’, oluhambisana nenqubo yokucabanga kahulumeni wethu yokuthuthukisa umkhiqizo wasendaweni, izingcweti zendawo kanye nezingcweti. Dawuniloda ikhophi yakho yamahhala bese ujoyina lolu hlelo
Funda nalolu daba: Ugqozi Lwami Lusuka Esifiso Esijulile Sokuba I-India Iwine: Smriti Mandhana
