Kunyumba » Posts tagged taux intérêts

Chizindikiro: chiwongola dzanja

Udindo wa banki yayikulu m'maiko omwe akutukuka kumene?

By Faustin Djoufouet Atumizidwa Classic Finance
Udindo wa banki yayikulu m'maiko omwe akutukuka kumene?

Banki yapakati imakhala ndi gawo lofunikira pakupangitsa kusintha koyenera pakati pa kufunikira ndi kupereka ndalama. Kusagwirizana pakati pa ziwirizi kumawonekera pamtengo wamtengo. Kuperewera kwa ndalama kudzalepheretsa kukula pamene kuwonjezereka kudzatsogolera ku inflation. Pamene chuma chikukula, kufunikira kwa ndalama kuyenera kukwera chifukwa cha kuchulukitsidwa kwapang'onopang'ono kwa gawo lopanda ndalama komanso kukwera kwaulimi ndi mafakitale ndi mitengo.

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Kodi chidwi ndi chiyani?

By Faustin Djoufouet Atumizidwa Classic Finance
Kodi chidwi ndi chiyani?

Chiwongola dzanja ndi mtengo wogwiritsa ntchito ndalama za munthu wina. Mukabwereka ndalama mumalipira chiwongola dzanja. Chiwongola dzanja chimatanthawuza mfundo ziwiri zogwirizana koma zosiyana kwambiri: kaya ndalama zomwe wobwereka amapereka kubanki pa mtengo wangongole, kapena ndalama zomwe mwini akaunti amalandira ngati akufuna kusiya ndalama. Imawerengeredwa ngati gawo la ndalama zonse zangongole (kapena kusungitsa), zomwe zimalipidwa nthawi ndi nthawi kwa wobwereketsa kuti akhale ndi mwayi wogwiritsa ntchito ndalama zake. Ndalamazo zimatchulidwa ngati mtengo wapachaka, koma chiwongoladzanja chikhoza kuwerengedwa kwa nthawi yaitali kapena yochepa kuposa chaka chimodzi.

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