Malo a maphunziro azachuma pakuphatikiza zachuma

Tisanayambe, tiyeni tikumbukire lingaliro ili kuchokera kwa anthu amasiku ano: anthu anga avutika ndi kusowa chidziwitsos”. Kuchokera pamalingaliro awa, titha kumvetsetsa kuti kusowa chidziwitso kumatha kukhala magwero a zopinga zathu. Mwanjira iyi, kusowa kwa maphunziro azachuma kungakhale ku chiyambi cha kuchepa kwa ndalama zophatikizika ndi ndalama zimawonedwa m'madera ena padziko lonse lapansi.

Africa idakali imodzi mwamakontinenti omwe ali ndi gawo lotsika kwambiri lazachuma padziko lonse lapansi. Malinga lipoti la Société Generale des Banques, mitengo ya mabanki kuyambira 8% mpaka 60%. M'nkhaniyi tikuwonetsani mgwirizano pakati pa maphunziro azachuma ndi kuphatikiza ndalama.

La Banki Yadziko amaona kuti kuphatikizidwa kwachuma ndi njira yofunika kwambiri yochepetsera umphawi wadzaoneni. Ku Africa, tikuwonabe manyazi m'lingaliro limeneli. Ngakhale ogwira ntchito zandalama zazing'ono amapanga izi kukhala mtima wa ntchito yawo, zinthu zambiri zikuyenera kuchitika.

Munkhaniyi, tikukuwonetsani malo amaphunziro azachuma pakuphatikiza kwachuma kwa anthu. Kuti tichite izi, choyamba tikukufotokozerani zomwe tikutanthauza pakuphatikizidwa kwachuma ndiyeno chilichonse chomwe timachita muyenera kudziwa za maphunziro azachuma.

Koma musanayambe, apa pali maphunziro kuti mudziwe momwe mungapezere 1 bitcoin / mwezi kwaulere. Dinani apa kuti mugule.

🚀 Kodi Financial Inclusion ndi chiyani?

Kuphatikizidwa kwachuma kumatanthauza kuti anthu ndi mabizinesi kukhala ndi mwayi wopeza zinthu zothandiza zachuma ndi ntchito ndi zotsika mtengo zomwe zimakwaniritsa zosowa zawo. Izi ndi zochitika, malipiro, ndalama, ngongole ndi inshuwaransi zoperekedwa m'njira yodalirika komanso yokhazikika.

Kutha kulowa muakaunti yaku banki ndi sitepe yoyamba kuphatikizidwa kwazachuma. Akaunti yakubanki imakulolani kusunga ndalama ndikutumiza ndi kulandira malipiro. Akaunti yakubanki imagwiranso ntchito ngati khomo lolowera kuzinthu zina zachuma.

Ichi ndichifukwa chake kuwonetsetsa kuti anthu atha kukhala ndi akaunti yakubanki kuli pakati pa bungwe la World Bank Group la Universal Financial Access Initiative.

Nkhani yoti muwerenge: Mabanki a pa intaneti: amagwira ntchito bwanji?

Kupeza ndalama kumapangitsa moyo watsiku ndi tsiku kukhala wosavuta komanso kumathandiza mabanja kukonzekera zonse ndikukhazikitsa zolinga. Zolinga zanzeru. Monga eni akaunti, mutha kugwiritsa ntchito ndalama zina monga ngongole ndi inshuwaransi.

Kupyolera mu izi mutha kupanga ndikukulitsa bizinesi yanu, kuyika ndalama pamaphunziro kapena thanzi, kuthana ndi zoopsa komanso kuthana ndi zovuta zachuma.

🚀 Chifukwa chiyani kuphatikiza ndalama kuli kofunika?

Kulephera kupeza ntchito zofunika zachuma kungathe kumabweretsa mavuto azachuma kwa anthu.

Mwina alibe njira yolandirira ndalama zina. Pachifukwa ichi, amaletsedwa kugula chifukwa chosowa njira yosavuta yoperekera malipiro.

Kupeza ntchito zachuma ndikofunikira kwa anthu ndi mabizinesi. Kupeza kumeneku kumakupatsani mwayi wosunga ndalama, kuyang'anira zolipirira ndi kayendedwe ka ndalama, kudziunjikira ndalama, kupeza ngongole ndi kupanga ndalama.

Kupeza kumeneku ndikofunikiranso kuti tipeze chuma komanso kulimbikitsa chitetezo chazachuma.

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Kuphatikizidwa kwachuma kumalimbitsa kupezeka kwa chuma chachuma ndikumanga lingaliro la kusunga pakati pa osauka. Kuphatikizidwa kwachuma ndi a gawo lalikulu ku kukula kophatikiza.

Zimathandizira pakukula kwachuma kwa anthu ovutika. Kuphatikizika bwino kwachuma ndikofunikira kukweza osauka ndi ovutika powapatsa zinthu zandalama zosinthidwa ndi ntchito.

Kudziwa kwanu pazachuma kumakhudza kwambiri moyo wabwino. Izi zimakhudza luso lanu lodzipezera nokha komanso banja lanu. Malingaliro anu pazandalama ndi mabizinesi komanso zomwe mumapereka mdera lanu zimakhudzidwa.

Kudziwa zachuma kumathandizira anthu kumvetsetsa zomwe zimafunikira kuti akhale ndi moyo wathanzi, wokhazikika, wakhalidwe labwino komanso wodalirika. Zimathandizira amalonda kugwiritsa ntchito ndalama za anthu ena kuti mabizinesi apange malonda ndi phindu.

🚀 Zolepheretsa Kuphatikizidwa Kwachuma

Pali zopinga zambiri za kuphatikizidwa kwachuma, choyamba chomwe ndi umphawi wadzaoneni. Anthu omwe ali ndi ndalama zochepa kapena alibe amafunikira ndalama zochepa kapena sakusowa.

kusiya kufalikira kwa umphawi wadzaoneni, zopinga zina kaŵirikaŵiri zimalepheretsa anthu osauka kupeza chithandizo chandalama.

Mabungwe azachuma nthawi zambiri amaika malamulo okhwima komanso atsatanetsatane olembedwa kuti atsegule akaunti kapena kutumiza ndalama. Anthu omwe alibe zolemba zofunikira amachotsedwa bwino kuti asapeze thandizo lazachuma.

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Kuphatikiza apo, nthambi zoyandikana komanso zofunikira zochepa zotsegulira akaunti ndizolepheretsa kuphatikizidwa kwachuma.

Pomaliza, anthu osauka ambiri sadziwa kupeza kapena kugwiritsa ntchito ndalama. Izi ndi zomwe tikukamba m'chikalatachi, vuto la maphunziro azachuma.

🚀 Kodi kudziwa zachuma ndi chiyani?

La mfundo zachumae ndikutha kumvetsetsa momwe ndalama zimagwirira ntchito. Zimatithandizanso kumvetsetsa momwe wina amapangira, kuzisamalira, kuziyika komanso kuzigwiritsira ntchito (makamaka popereka chithandizo) kuthandiza ena.

Kudziwa mozama maphunziro azachuma ndikofunikira kuti mumvetsetse momwe ndalama zimagwirira ntchito ndi momwe zingakuthandizireni - ngakhale mutagona - poika ndalama m'madera opindulitsa monga masheya kapena msika wandalama.

Nkhani yoti iwerenge: Inshuwaransi ya Chisilamu: Takaful

Kuti mumvetsetse ndalama ndi momwe zimagwirira ntchito, ndikofunikira kumvetsetsa mfundo zodziwika bwino pazachuma. Nayi mfundo zamaphunziro azachuma: ozolinga zachuma, bajeti, ndalama, kupuma pantchito, makontrakitala ndi zitsanzo za ntchito.

Kafukufuku wopangidwa m'maiko osiyanasiyana pankhani zachuma awonetsa kuti anthu ambiri (kuphatikizapo amalonda) samamvetsetsa lingaliro la chiwongoladzanja chophatikizana komanso kuti ogula ena samafufuza mwachangu zambiri zandalama asanapange zisankho zachuma.

Ogula ambiri azachuma alibe luso lotha kusankha ndikuyendetsa bwino khadi la ngongole, ndipo kusowa kwa maphunziro azachuma kumayambitsa kusowa kwa kayendetsedwe ka ndalama komanso luso lokonzekera ndalama pabizinesi ndi kupuma pantchito.

Nkhani yoti muwerenge: Gulani malo ndi nyumba zatsopano kapena zakale ❓

Ambiri omwe angakhale opuma pantchito alibe chidziwitso chokhudza kusunga ndi kusunga ndalama zopuma pantchito. Anthu ambiri sakonzekeratu ndikutenga mavuto azachuma popanda kuzindikira.

Ngongole ndizovuta kwambiri kwa anthu ambiri chifukwa cha kusaphunzira zachuma. Achinyamata sakhala ndi ndalama zambiri poyerekezera ndi akuluakulu awo.

🚀 Kodi pali mgwirizano wotani pakati pa maphunziro azachuma ndi kuphatikiza ndalama?

Maphunziro azachuma ali ndi ubale wachindunji ndi kuphatikiza ndalama. Monga tafotokozera pamwambapa, maphunziro amathandizira kudziwa zinthu zina. Chitsanzo chochititsa chidwi n'chakuti anthu ambiri sadziwa chomwe chimatanthauza ndalama zachisilamu.

Komabe, imapereka njira ina yosinthira ndalama wamba zomwe sizikomera anthu osauka pankhani yazandalama.

Zogulitsa zina zandalama zachisilamu zimalola mabanki kuti azipeza ndalama zoyambira popanda kupereka chitsimikizo kapena Chitsimikizo. Ena, kumbali ina, amatchedwa mapangano ogawana nawo, omwe amalola banki kutenga nawo gawo mu likulu la kampani yatsopanoyo.

Kuphatikiza apo, achinyamata ambiri omwe ali ndi malingaliro omwe alibe zitsimikizo zopindula ndi ndalama zachikhalidwe amadziwa za kukhalapo kwa crowdfunding.

Poyang'ana zitsanzo ziwirizi, timamvetsetsa kuti kuphatikizidwa kwachuma sikungatheke popanda maphunziro ozama azachuma.

Maphunziro azachuma amatha kupindulitsa ogula azaka zonse komanso ndalama zomwe amapeza.

Kwa achinyamata omwe angoyamba kumene kugwira ntchito, atha kupereka zida zopangira bajeti ndi kusunga ndalama kuti ndalama ndi ngongole zisamayende bwino.

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Maphunziro azachuma angathandize mabanja kupeza chilango chofunikira kuti asungire nyumba zawo komanso/kapena za maphunziro a ana awo.

Zingathandize ogwira ntchito okalamba kuti atsimikizire kuti ali ndi ndalama zokwanira zogwirira ntchito yabwino popuma pantchito powapatsa chidziwitso ndi luso lofunikira kuti apange zisankho zanzeru zoyendetsera ndalama monga gawo lawo. zopuma pantchito komanso zosunga ndalama.

Nkhani yoti muwerenge: Kodi chikwama cha digito chimagwira ntchito bwanji?

Maphunziro a zachuma angathandize anthu omwe amapeza ndalama zochepa kuti agwiritse ntchito bwino zomwe angathe kusunga ndi kuwathandiza pewani mtengo wokwera mtengo pazachuma ndi mabungwe omwe siazachuma.

🚀 Pitilizani ...

Pomaliza, tinganene kuti kulimbana ndi kuchotsedwa kwachuma ndi umphawi kuyenera kuyamba kudzera mu maphunziro a zachuma. Maphunziro azachuma amalimbikitsa kuphatikiza ndalama. Tsoka ilo, anthu ochepa amadziwa izi.

Anthu amene anawonongeka amafunikiradi kudziwa. Maphunziro ozama azachuma amakulolani kuwongolera zomwe mumawononga, ndalama zomwe mumapeza komanso makamaka zomwe mumagulitsa.

Musanachoke, nayi momwe mungapangire sitolo yazinthu zamagetsi pa intaneti. Dinani apa kuti mugule maphunziro

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