Kasamalidwe ka ndalama kumabweretsa pamodzi zisankho zonse, malamulo ndi njira zomwe zimatsimikizira kusungitsa ndalama zakampani nthawi yomweyo pamtengo wotsika kwambiri. Cholinga chake chachikulu ndikuletsa chiopsezo cha insolvency. Chachiwiri ndicho kukhathamiritsa kwa zotsatira zandalama (ndalama zomaliza - ndalama zomaliza).
Kulemba kwa nkhaniyi kumalimbikitsidwa ndi pempho losalekeza la olembetsa angapo a Finance de Demain. M'malo mwake, omalizawa akuti akuvutika kupeza ndalama zothandizira ntchito zawo, zoyambira zawo. Kunena zoona, kupeza ndalama zothandizira ntchito ndi chinthu chofunikira kwambiri kuti polojekitiyi ikhale yosasunthika. Finance de demain imabwera lero kuti iyankhe funso ili: Kodi mungalipire bwanji ndalama zogwirira ntchito yanu ku Africa?
Participatory financing, kapena crowdfunding ("crowd financing") ndi njira yomwe imatheketsa kusonkhanitsa zopereka zandalama - nthawi zambiri ndalama zochepa - kuchokera kwa anthu ambiri pogwiritsa ntchito nsanja pa intaneti - kuti athe kupeza ndalama zothandizira polojekiti.
Mabanki achisilamu ndi mabungwe omwe ali ndi mbiri yachipembedzo, kutanthauza kutengera kulemekeza malamulo a Chisilamu. Zinthu zitatu zazikuluzikulu zimapangitsa kuti mabanki achisilamu azikhala osiyana ndi omwe amafanana nawo wamba.
Kugwira ntchito kwa dongosolo lazachuma lachisilamu kumayendetsedwa ndi malamulo achisilamu. Komabe, ndikofunikira kunena kuti munthu sangathe kumvetsetsa mfundo zoyendetsera malamulo a Chisilamu potengera malamulo ndi njira zowunikira zomwe zimagwiritsidwa ntchito pazachuma wamba. Zowonadi, ndi dongosolo lazachuma lomwe lili ndi magwero akeake ndipo lozikidwa mwachindunji pa malamulo achipembedzo. Chifukwa chake, ngati wina akufuna kumvetsetsa bwino njira zosiyanasiyana zogwirira ntchito zandalama zachisilamu, ayenera kuzindikira kuti izi ndi zotsatira za chikoka cha chipembedzo pamakhalidwe, ndiye zamakhalidwe pamalamulo.
Kumbuyo kwachuma chachikhalidwe kuli njira yayikulu yosadziwika bwino yazachuma yotchedwa "shadow banking". ⚫ Upangiri wamabungwe ndi zochitika zina zimathawa malamulo achikhalidwe. Chikoka chake chomwe chikukula chikudetsa nkhawa owongolera, makamaka popeza idatenga gawo lalikulu pamavuto a 2008. 🔻