Indawo yemfundo yezemali ekubandakanyeni imali

Ngaphambi kokuba siqale, masikhumbule le ngcamango yomntu wangoku Bayabandezeleka abantu bam ngokuswela ukwazis”. Ngokusuka kule ngcamango, sinokuqonda ukuba ukunqongophala kolwazi kunokuba yimvelaphi yezithintelo zethu. Kulo myalelo wengcamango, ukungabikho kwemfundo yezemali kunokuba imvelaphi yamazinga aphantsi okufakwa kwemali ibonwa kwezinye iindawo emhlabeni jikelele.

I-Afrika isele lelinye lamazwekazi anelona nqanaba lisezantsi lokubandakanywa kwezemali kwihlabathi. Ngokutsho ingxelo ye I-Societe Generale des Banques, amaxabiso ebhanki ukusuka kwi-8% ukuya ngaphezulu kwe-60%. Kweli nqaku sibonisa ikhonkco phakathi kwemfundo yezemali kunye nokubandakanywa kwezemali.

La IBhanki ye hlabathi ibona ukubandakanywa kwezemali njengeyona nto iphambili ekunciphiseni ubuhlwempu obugqithisileyo. EAfrika, sisaqwalasela iintloni ngale ndlela. Nangona abaqhubi bemali encinci beyenza intliziyo yomsebenzi wabo, zininzi izinto ezisamele zenziwe.

Kweli nqaku, sibonisa indawo yemfundo yezemali ekubandakanyeni imali yabantu. Ukwenza oku, siqala sikucacisela ukuba kuthetha ukuthini ukubandakanywa kwezemali kunye nayo yonke loo nto kufuneka ukwazi ngemfundo yezemali.

Kodwa ngaphambi kokuba uqale, nalu uqeqesho omalulwazi indlela yokufumana i-bitcoin / inyanga simahla. Cofa apha ukuze uyithenge.

🚀 Yintoni ukuBandakanywa kwezeMali?

Ukubandakanywa kwemali kuthetha ukuba abantu kunye namashishini babe nokufikelela kwiimveliso neenkonzo zemali eziluncedo kwaye ezifikelelekayo ezihlangabezana neemfuno zabo. Ezi ziintengiselwano, iintlawulo, ukonga, ikhredithi kunye ne-inshorensi ebonelelwe ngendlela enoxanduva nezinzileyo.

Ukukwazi ukufikelela kwi-akhawunti yebhanki inyathelo lokuqala kuqukwano olubanzi lwemali. Iakhawunti yeBhanki isetyenziselwa ukugcina imali kunye nokuthumela nokufumana iintlawulo. I-akhawunti yebhanki ikwasebenza njengesango lokungena kwezinye iinkonzo zemali.

Yiyo loo nto ukuqinisekisa ukuba abantu banokufikelela kwi-akhawunti yebhanki kungundoqo kwiphulo leWorld Bank Group's Universal Financial Access.

Inqaku eliza kufundwa: Iibhanki ezikwi-Intanethi: zisebenza njani?

Ukufikelela ngemali kwenza ubomi bemihla ngemihla bube lula kwaye kunceda iintsapho zicwangcise yonke into kwaye zisete ekujoliswe kuko ngobuchule. Njengabanini-akhawunti, kunokwenzeka ukuba usebenzise ezinye iinkonzo zemali ezifana nekhredithi kunye ne-inshurensi.

Ngale ndlela ungadala kwaye uphuhlise ishishini lakho, utyale imali kwimfundo okanye kwezempilo, ulawule imingcipheko kwaye umelane nezothuso zemali.

🚀 Kutheni ukubandakanywa kwemali kubalulekile?

Ukunqongophala kofikelelo kwiinkonzo zemali ezisisiseko kudala iingxaki zemali eziqhwalelayo ngenxa yabantu.

Basenokungabi nayo indlela yokufumana iintlawulo ezithile. Ngenxa yoku, bathintelwa ekuthengeni ngenxa yokungabikho kwendlela elula yokungenisa iintlawulo.

Ukufikelela kwiinkonzo zemali kubalulekile kumntu ngamnye nakumashishini. Olu fikelelo lwenza kube lula ukugcina imali, ukulawula iintlawulo nokuqukuqela kwemali, ukuqokelela ukonga, ukufikelela kwityala kunye nokwenza utyalo-mali.

Olu fikelelo lukwabalulekile ekufumaneni ii-asethi nokwakha ukhuseleko lwezemali.

Inqaku eliza kufundwa: Indlela yokusebenza yohlalutyo lwemali

Ukubandakanywa kwezemali kukhulisa ukufumaneka kwemithombo yoqoqosho kwaye kwakha ingqikelelo yokonga phakathi kwabahluphekayo. Ubandakanyo lwemali lu a inyathelo elikhulu ekukhuleni okubandakanyayo.

Inegalelo kuphuhliso loqoqosho ngokubanzi lwabantu abangathathi ntweni. Ubandakanyo lwemali olusebenzayo luyafuneka ukuphakamisa amahlwempu nabahlelelekileyo ngokubabonelela ngeemveliso kunye neenkonzo zemali ezilungisiweyo.

Inqanaba lakho lokufunda ngezezimali likuchaphazela kakhulu umgangatho wobomi bakho. Ichaphazela indlela okwazi ngayo ukuzixhasa wena nentsapho yakho. Isimo sakho sengqondo malunga nemali notyalo-mali kwakunye negalelo lakho kuluntu lwakho luyachaphazeleka.

Ukufunda ngezezimali kwenza abantu baqonde into efunekayo ukuze baphile ngendlela elungeleleneyo ngokwasezimalini, ezinzile, ezisesikweni kwaye noxanduva. Inceda oosomashishini ukuba basebenzise imali yabanye abantu ukuze ishishini livelise intengiso kunye nenzuzo.

🚀 Imiqobo ekuBandakanyweni kwezeMali

Kukho imiqobo emininzi yokubandakanywa kwezemali, eyokuqala yintlupheko egqithisileyo. Abantu abanemali encinci okanye abangenayo banesidingo esincinci seenkonzo zemali.

Unomsindo ubuhlwempu obugqithisileyo, eminye imiqobo isoloko ithintela abantu abahluphekayo ekubeni bafikelele kwiinkonzo ezisisiseko zemali.

Amaziko emali adla ngokumisela iimfuno ezingqongqo nezineenkcukacha zokuvula iakhawunti okanye ukwenza imali. Abantu abangenawo amaxwebhu afunekayo baye bakhutshelwe ngaphandle ngokufanelekileyo ekufikeleleni kwiinkonzo zemali.

Inqaku eliza kufundwa: I-inshurensi yamaSilamsi: Takaful

Ukongeza, amasebe okusondela kunye neemfuneko zebhalansi zokuvula iakhawunti ezisezantsi zizithintelo ezongezelelweyo zokubandakanywa kwemali.

Okokugqibela, abantu abaninzi abahluphekayo abazi ukuba bangafikelela njani okanye bazisebenzise njani iinkonzo zemali. Yile nto sithetha ngayo kolu xwebhu, ingxaki yemfundo yezemali.

🚀 Yintoni ulwazi lwezemali?

La ulwazi lwezemalie kukukwazi ukuqonda indlela esebenza ngayo imali. Ikwasivumela ukuba siqonde indlela umntu ayenza ngayo, ayilawule, ayityale kwaye ayichithe (ingakumbi xa enikela kwisisa) ukunceda abanye.

Ulwazi olunzulu lwemfundo yezemali luyimfuneko ukuze uqonde isebenza njani imali kwaye ingakusebenzela njani – nokuba ulele – ngokwenza utyalo-mali kwiindawo ezinengeniso ezifana nezitokhwe okanye imarike yemali.

Inqaku eliza kufundwa: I-inshurensi yamaSilamsi: Takaful

Ukuqonda imali kunye nendlela esebenza ngayo, kubalulekile ukuqonda imigaqo efanayo yolwazi lwezemali. Nantsi imigaqo yemfundo yezemali: oiinjongo zemali, uhlahlo lwabiwo-mali, utyalo-mali, umhlala-phantsi, iikhontrakthi kunye neendlela zengqesho.

Uphononongo olwenziwe kumazwe ahlukeneyo malunga nolwazi lwezemali lubonise ukuba uninzi lwabantu (kuquka neekontraka) abayiqondi ingqikelelo yenzala ehlanganisiweyo kwaye abanye abathengi abafuni ngokukhutheleyo ulwazi lwezemali phambi kokuba benze izigqibo zemali.

Uninzi lwabathengi bezemali abanalo ukukwazi ukukhetha nokulawula ngokufanelekileyo ikhadi letyala, kwaye ukungabikho kwemfundo yezemali kuxanduva lokungabikho kolawulo lwemali kunye nezakhono zokucwangcisa imali kwishishini kunye nomhlalaphantsi.

Inqaku eliza kufundwa: Thenga izindlu nezindlu ezintsha okanye ezindala ❓

Uninzi lwabantu abanokuthi bathathe umhlalaphantsi abanalo ulwazi malunga nokonga kunye nokutyala imali yomhlalaphantsi. Abantu abaninzi abacwangcisi kwangaphambili kwaye bathathe imingcipheko yezemali ngaphandle kokuyiqonda loo nto.

Iingxaki zamatyala zinobuzaza kwinxalenye enkulu yabemi ngenxa yokungakwazi ukufunda nokubhala ngokwasemalini. Abantu abatsha ngokomndilili abanamali kangako kunabadala babo.

🚀 Buyintoni ubudlelwane phakathi kolwazi lwezemali kunye nokubandakanywa kwezemali?

Imfundo yezemali inobudlelwane obuthe ngqo nokubandakanywa kwezemali. Njengoko kubonisiwe ngasentla, imfundo yenza kube lula ukuthatha ulwazi ngobukho obuthile. Umzekelo Kuyaqondakala ukuba abantu abaninzi abayazi into ethethwa yimali yamaSilamsi.

Nangona kunjalo ibonelela ngenye indlela kwimali yesiqhelo engahambelani nabahluphekileyo kakhulu malunga nenkxaso-mali.

Iimveliso ezithile zenkxaso-mali yamaSilamsi zivumela iibhanki ukuba zixhase ngemali eziQalayo ngaphandle kokuba zibonelele ngesiqinisekiso okanye iSiqinisekiso. Abanye, ngakolunye uhlangothi, babizwa ngokuba yizivumelwano zokuthatha inxaxheba, ezivumela ukuba ibhanki ithathe inxaxheba kwinkunzi yenkampani entsha.

Ukongeza, abantu abatsha abaninzi abaneembono abangenaziqinisekiso zokuxhamla kwinkxaso-mali yemveli bayazi ngobukho crowdfunding.

Ngokugxininisa kule mizekelo mibini, siyaqonda ukuba ukubandakanywa kwemali akunakufezekiswa ngaphandle kwemfundo enzulu yezemali.

Imfundo yezemali inokunceda abathengi bayo yonke iminyaka kunye namanqanaba omvuzo.

Kubantu abadala abancinci abaqalayo ubomi babo bokusebenza, inokubonelela ngezixhobo ezisisiseko zohlahlo lwabiwo-mali kunye nokonga ukuze iindleko kunye namatyala abekwe phantsi kolawulo.

Inqaku elifundwayo: Iibhanki ezikwi-Intanethi zeengcali kunye nee-SME 

Imfundo yezemali inokunceda iintsapho zifumane uqeqesho lokugcinela amakhaya azo kunye/okanye kwizifundo zabantwana babo.

Inokunceda abasebenzi abadala baqinisekise ukuba banemali eyaneleyo yokulondoloza umhlala-phantsi ngokubanika ulwazi kunye nezakhono zokwenza ukhetho lobulumko lotyalo-mali ngaphakathi kwabo. Izicwangciso zomhlalaphantsi zomntu ngamnye kunye nezokugcina imali.

Inqaku eliza kufundwa: Sisebenza njani isipaji sedijithali?

Imfundo yezemali inokunceda abantu abafumana imivuzo ephantsi basebenzise kangangoko banokuyonga baze babancede ziphephe iindleko eziphezulu ezibizwayo kwiintengiselwano zemali ngamaziko angengawo awemali.

🚀 isishwankathelo ...

Ukuqukumbela, sinokuthi umlo ochasene nokungabandakanywa kwezemali kunye nentlupheko kufuneka kuqala uhambe ngemfundo yezemali. Imfundo yezemali ikhuthaza ukubandakanywa kwezemali. Ngelishwa, bambalwa kakhulu abantu abakwaziyo oku.

Abantu abatshabalalayo balufuna ngokwenene ulwazi. Imfundo yezemali enzulu ikuvumela ukuba ulawule iindleko zakho, umvuzo wakho kwaye ngakumbi uTyalo-mali lwakho.

Ngaphambi kokuba uhambe, nantsi indlela yokwenza ivenkile yeemveliso zedijithali kwi-intanethi. Cofa apha ukuze uthenge uqeqesho

Sishiyele uluvo