Ubwino ndi kuipa kwa zinthu zina zachuma
Zogulitsa zandalama zili pamtima pazachuma. Zogulitsa zachuma ndi ndalama zomwe zimagwiritsidwa ntchito kukwaniritsa zolinga zachuma. Amabwera m'njira zosiyanasiyana ndipo angagwiritsidwe ntchito kukwaniritsa zolinga zosiyanasiyana, kuyambira kusunga ndalama zopuma pantchito mpaka kuyika bizinesi.