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. Kule ndlela, 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. Ngoku ka 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 kwemali.

La IBhanki ye hlabathi ithatha ubandakanyo lwezemali njengento engundoqo ekunciphiseni ubuhlwempu obugqithisileyo. EAfrika, sisaqwalasela iintloni ngale ndlela. Nangona abaqhubi bemali encinci beyenza intliziyo yomsebenzi wabo, zininzi izinto ezisamele zenziwe.

Kweli nqaku, sinikezela kuwe indawo yemfundo yezemali ekudityanisweni kwemali yabemi. Ukwenza oku, siqale sikucacisele ukuba sithetha ukuthini ngokubandakanywa kwezemali kunye nayo yonke into ekhoyo kufuneka ukwazi ngemfundo yezemali.

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 ikuvumela ukuba ugcine imali kwaye uthumele kwaye ufumane iintlawulo. I-akhawunti yebhanki ikwasebenza njengesango lokungena kwezinye iinkonzo zemali. Yiyo loo nto ukuqinisekisa ukuba abantu banokufikelela kwi-akhawunti yebhanki kusembindini wephulo leWorld Bank Group's Universal Financial Access.

Ukufikelela ngemali kwenza ubomi bemihla ngemihla bube lula kwaye kunceda iintsapho zicwangcise yonke into kwaye zibeke iinjongo. ekujoliswe kuko ngobuchule. Njengabanini-akhawunti, unokusebenzisa ezinye iinkonzo zemali ezifana nekhredithi kunye ne-inshurensi. Ngale nto ungadala kwaye uphuhlise ishishini lakho, utyale imali kwimfundo okanye kwezempilo, ulawule imingcipheko kwaye umelane nezothuso zemali.

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

Kutheni ukubandakanywa kwemali kubalulekile?

Ukunqongophala kofikelelo kwiinkonzo zemali ezisisiseko kudala iingxaki zemali eziqhwalelayo ngenxa yabemi. 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 lukuvumela ukuba ugcine imali, ulawule iintlawulo kunye nokuhamba kwemali, uqokelele ukonga, ufikelele kwityala kwaye wenze utyalo-mali. Olu fikelelo lukwabalulekile ekufumaneni ii-asethi nokomeleza 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. Oku kuchaphazela ukukwazi kwakho ukuzibonelela wena nosapho lwakho. 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 amashishini enze iintengiso neengeniso.

Imiqobo ekuBandakanyweni kwezeMali

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

Ukongeza, amasebe asekuhlaleni kunye neemfuneko eziphezulu zokuvula i-akhawunti zibangela imiqobo eyongezelelweyo ekubandakanyeni imali. 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 ngemfundo yezemali luyimfuneko ukuze uqondwe isebenza njani imali kunye nendlela enokusebenzela ngayo - nokuba ulele - ngokutshala imali kwiindawo ezinenzuzo ezifana nezitokhwe okanye imarike yemali.

Ukuqonda imali kunye nendlela esebenza ngayo, kubalulekile ukuqonda imigaqo eqhelekileyo yokufunda ngemali. Nantsi imigaqo yemfundo yezemali: oiinjongo zemali, uhlahlo lwabiwo-mali, utyalo-mali, umhlalaphantsi, iikhontrakthi kunye nemifuziselo yengqesho.

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.

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 ivumela umntu ukuba afumane ulwazi ngobukho obuthile. Umzekelo Kuyaqondakala ukuba abantu abaninzi abayazi into ethethwa yimali yamaSilamsi. Nangona kunjalo, ibonelela ngenye indlela kunemali yesiqhelo engabalungelanga kakhulu abantu abahluphekayo malunga nenkxaso-mali.

Iimveliso ezithile zenkxaso-mali yamaSilamsi zivumela abagcini beebhanki ukuba baxhase ngemali abaQalayo ngaphandle kokuba babonelele ngesiqinisekiso okanye iSiqinisekiso. Abanye, ngakolunye uhlangothi, babizwa ngokuba yizivumelwano zokuthatha inxaxheba, ezivumela ukuba ibhanki ithathe inxaxheba kwinkunzi yenkampani entsha. Ngaphaya koko, iinkokeli ezininzi zeengcinga ezincinci ezingenaziqinisekiso zokuxhamla kwinkxaso-mali yemveli ziyabazi ubukho bamaqonga eqonga. crowdfunding. Ukujonga le mizekelo mibini, siyaqonda ukuba ukubandakanywa kwemali akunakufezekiswa ngaphandle kwemfundo enzulu yezemali.

Imfundo yezemali inokunceda abathengi bayo yonke iminyaka kunye namanqanaba omvuzo. Kubantu abadala abancinci abaqala ubomi babo bokusebenza, inokubonelela ngezixhobo ezisisiseko zohlahlo lwabiwo-mali kunye nokonga ukuze inkcitho kunye namatyala agcinwe phantsi kolawulo. Imfundo yezemali inokunceda iintsapho zifumane uqeqesho lokugcinela amakhaya azo kunye/okanye kwizifundo zabantwana babo.

Inokunceda abasebenzi abadala baqinisekise ukuba banemali eyaneleyo yokulondoloza umhlala-phantsi ngokukhululeka ngokubanika ulwazi nezakhono ezifunekayo ukuze benze ukhetho lobulumko lotyalo-mali njengenxalenye yabo. Izicwangciso zomhlalaphantsi zomntu ngamnye kunye nezokugcina imali.

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

Inqaku eliza kufundwa: Sisebenza njani isipaji sedijithali?

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

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