Yintoni imali yokuziphatha

La imali yokuziphatha licandelo lokufunda elidibanisa ipsychology kunye ne-economics ukuqonda ukuba kutheni abantu besenza izigqibo zemali eziphambukayo kwindlela yokuziphatha enengqondo.

Ufuna ukucacisa ukuba kutheni abantu benokwenza izigqibo ezingabalungeleyo okanye eziphambukayo kwiingcamango ezingokwesithethe zezoqoqosho malunga nokuziphatha komntu.

Ukufundisisa ezi ndlela zokuziphatha, abaphandi bezemali zokuziphatha basebenzisa iindlela ezahlukeneyo, kubandakanya imifuniselo yaselabhoratri, imifuniselo yasendle, kunye nophando.

Basenokuphinda bahlalutye idatha evela kwiimarike zemali yokwenyani ukuchonga iipatheni zomkhethe kunye nokuziphatha okungenangqiqo.

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Ukuqonda kunye nokuqaphela oku kuthambekela kokuziphatha kunokubanceda abantu ukuba benze izigqibo zemali benolwazi kwaye baphephe ukwenza iimpazamo ezinkulu.

Kubalulekile ukuzazi ezi zinto zithatha icala kwaye ufune imithombo eyahlukeneyo yolwazi kunye nezimvo xa usenza izigqibo zemali.

🔰 Ukuziphatha komtyali-mali ngamnye

Umtyali-mali oqhutywa kukubawa unokuzibeka emngciphekweni ngokugqithisileyo kwiinzame zokwandisa imbuyekezo.

✔️ Ukuqinisa

I-anchoring ibhekisa kutyekelo lokuthembela kakhulu kulwazi lokuqala ekuhlangatyenwe nalo xa usenza isigqibo, nangona olunye ulwazi lubonisa ukuba lusenokungasebenzi.

Lo mkhethe unokukhokelela abantu ekubeni benze izigqibo ezingasekelwanga kulo lonke ulwazi olukhoyo kwaye kunokukhokelela kwizigqibo ezigwenxa zotyalo-mali.

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Makhe sithathe umzekelo yomtyali-mali othatha isigqibo sokuthenga isitokhwe. Ukuba ubona urhwebo lwesitokhwe ngoku kwi-100,000 XAF, inokubambelela kwelo xabiso kwaye ijonge njengexabiso elifanelekileyo, nokuba ezinye izinto, ezifana nemivuzo yenkampani okanye iimeko zemarike jikelele, zibonisa ukuba isitokhwe sixabiseke kakhulu.

✔️ Ingqiqo elinganiselweyo

Ingqiqo elinganiselweyo ibhekiselele kwingcamango yokuba abantu banezixhobo zokuqonda ezilinganiselwe kwaye banokusebenzisa iinkqubo zezigqibo ezilula ezingasoloko zikhokelela kwisiphumo esihle.

Oku kunokukhokelela kwizigqibo ezingeyomfuneko, ezinjengokungahlukanisi ipotifoliyo yotyalo-mali okanye ukungaqwalaseli zonke iinketho ezikhoyo.

Ngokomzekelo, umtyali-mali oqwalasela ithuba elitsha lotyalo-mali unokujolisa kwinto enye, njengembuyekezo enokubakho, kunokuba aqwalasele uthotho lweemeko, ezinjengomngcipheko okanye ingxelo yenkampani.

Oku kunokukhokelela kumbono olindelekileyo wotyalo-mali kwaye kukhokelela ekusebenzeni kakubi.

✔️ Ukuphazamiseka kwengqondo

I-cognitive dissonance ibhekisa ekungonwabi kwabantu xa iinkolelo zabo okanye izenzo zabo zingahambelani.

Oku kunokubangela ukuba abantu balungelelanise izenzo zabo okanye batshintshe iinkolelo zabo ukunciphisa ukungavisisani.

Ngokomzekelo, umtyalo-mali unokubambelela kwisitokhwe esilahlekileyo ixesha elide kunokuba befanele ngenxa yokuba bakholelwa ukuba ekugqibeleni baya kubuya, kunokuba baqaphele ukuba yayisisigqibo esibi sotyalo-mali.

✔️ Isiphumo sokuqulunqa

Isiphumo sokuqulunqa sibhekisa kwindlela unikezelo lolwazi olunokuthi luchaphazele ngayo izigqibo zabantu, nokuba ulwazi ngokwalo luyafana.

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Ngokomzekelo, ukuveza ithuba elifanayo lotyalo-mali njengenzuzo enokubakho okanye ilahleko enokubakho kunokukhokelela kwizigqibo ezahlukeneyo, apho abantu basengozini ngakumbi xa bejongene nelahleko enokwenzeka.

✔️ Indlela yokuziphatha komhlambi

Indlela yokuziphatha komhlambi ibhekisa kutyekelo lwabantu landela izenzo zabanye, nokuba loo nto ayithethi kuthi.

Oku kunokukhokelela kwi-bubbles ye-stock market kunye nokuphahlazeka njengoko abantu belandela isihlwele kwi-investment investments kwaye basoyike xa imarike ijika.

Ukuqonda kunye nokuqaphela oku kuthambekela kokuziphatha kunokubanceda abantu ukuba benze izigqibo zemali benolwazi kwaye baphephe ukwenza iimpazamo ezinkulu.

Inqaku lokufunda: Nantsi indlela yokwenza imali kwi-intanethi - Gwema ukukhohlisa

Kubalulekile ukuzazi ezi zinto zithatha icala kwaye ufune imithombo eyahlukeneyo yolwazi kunye nezimvo xa usenza izigqibo zemali.

🌿 Iingqikelelo eziphambili zezemali zokuziphatha

Izimali zokuziphatha yinkalo yokufunda edibanisa ipsychology kunye nezoqoqosho ukuqonda ukuba kutheni abantu besenza izigqibo zemali eziphambukayo kwindlela yokuziphatha enengqondo.

Ufuna ukucacisa ukuba kutheni abantu benokwenza izigqibo ezingabalungeleyo okanye eziphambukayo kwiingcamango ezingokwesithethe zezoqoqosho malunga nokuziphatha komntu.

Nazi ezinye iikhonsepthi eziphambili zezemali zokuziphatha:

✔️ Heuristic

Ziindlela ezimfutshane zengqondo ezisetyenziswa ngabantu ukwenza izigqibo ngokukhawuleza nangempumelelo.

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Nangona zinokuba luncedo kwiimeko ezithile, zinokuthi zikhokelele kucalucalulo kunye neempazamo ekugwebeni.

✔️ Iingxaki zengqondo

Ezi ziipateni ezicwangcisiweyo zokutenxa kwisiqhelo okanye kwingqiqo ekugwebeni, apho ukuqikelelwa malunga nabanye abantu kunye neemeko kunokuzotywa ngokungekho ngqiqweni.

Imizekelo ibandakanya i-anchor bias kunye nefuthe lefreyim.

✔️Izithintelo ngokweemvakalelo

Oku kukuthambekela okuphenjelelwa ziimvakalelo kwaye kunokukhokelela ekuthathweni kwezigqibo ezingenangqiqo. I uloyiko nokubawa yimizekelo.

✔️Impembelelo zentlalo

Le yimpembelelo yabanye abantu kwi ukwenza izigqibo komntu. Isenokuba malunga nokuthotyelwa kunye neempembelelo zamanani abasemagunyeni.

Ngokuqonda oku kucalu-calucalulo, abatyali-mali kunye nabacebisi bezemali banokulindela ngcono kwaye banciphise impembelelo yabo kwizigqibo zemali. Oku kunokukhokelela kwizigqibo zotyalo-mali ezinolwazi kakhulu nezinempumelelo.

🌿 Imvelaphi yemali yokuziphatha

Imvelaphi yemali yokuziphatha ibuyele emva 1950s kunye 1960s, xa izazi ngengqondo neengcali zezoqoqosho zaqalisa ukuthandabuza iingcamango ezingokwesithethe zezoqoqosho lwamandulo.

ngo ngeminyaka yee-1980 no-1990, iingcali zezoqoqosho zaqala ukubandakanya ezi ngcamango kumsebenzi wazo, zikhokelela ekuphuhlisweni koqoqosho lokuziphatha.

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À ekupheleni kweminyaka yoo-1990, intsimi yemali yokuziphatha yenziwa ngokusemthethweni, ngenjongo yokuqonda imiba yezengqondo kunye neemvakalelo eziphembelela izigqibo zemali.

Namhlanje, imali yokuziphatha yintsimi esekelwe kakuhle, kunye noluhlu olubanzi lwezicelo, kuquka utyalo-mali, ucwangciso lwezemali kunye nophuhliso lomgaqo-nkqubo.

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Uye wanceda ekukhanyiseleni iindlela ezininzi apho ucalucalulo kunye neemvakalelo zabantu ezinokuphembelela izigqibo zabo zemali kwaye kukhokelele ekuqondeni ngcono ukuziphatha kweemarike zemali.

🔰 Ukubaluleka kwezimali zokuziphatha?

Imali yokuziphatha ibalulekile kuba inceda ekukhanyiseleni ngeendlela ezininzi ucalucalulo kunye neemvakalelo abantu banokuba nefuthe kwizigqibo zabo zemali.

Ngokuqonda ezi ndlela zokuziphatha, abatyali-mali, abacebisi bezemali, kunye nabenzi bomgaqo-nkqubo banokwenza izigqibo ezinolwazi ngakumbi kwaye baphuhlise izicwangciso zokunciphisa impembelelo yokuziphatha kakubi.

✔️ Kubatyali-mali

Ukuqonda iimali zokuziphatha kunokubanceda baphephe iimpazamo ezibiza imali eninzi kwaye benze izigqibo ezinempumelelo zotyalo-mali.

Ngokomzekelo, umtyali-mali onolwazi lokuthambekela kokuzibophelela angatyekela kancinci ekuthembeleni kulwazi lokuqala adibana nalo xa. yenza isigqibo, kwaye endaweni yoko usenokufuna ulwazi olongezelelweyo ukwenza umfanekiso opheleleyo.

✔️ Kubacebisi ngezemali

Ukuqonda iimali zokuziphatha kunokubanceda baqonde ngcono iimeko zengqondo nezeemvakalelo eziphembelela izigqibo zemali zabathengi babo.

Inqaku eliza kufundwa: Lawula iindleko zeprojekthi ukwenzela inzuzo enkulu

Oku kunokubavumela ukuba banike iingcebiso ezisebenzayo kunye nesikhokelo kwaye bancede abathengi babo benze izigqibo ezinengqondo ngakumbi, nangamaxesha okuguquguquka kweemarike.

✔️ Kubenzi bepolisi

Ukuqonda iimali zokuziphatha kunokuba negalelo ekuphuhliseni imigaqo-nkqubo kunye nemimiselo ethathela ingqalelo impembelelo yokuziphatha kakubi kwiimarike zemali.

Oku kunokunceda ukukhuthaza iimarike ezizinzileyo nezisebenzayo kunye nokukhusela abatyali-mali kwiimpazamo ezibiza kakhulu.

Inqaku eliza kufundwa: Uyenza njani iakhawunti yeStripe ngokusemthethweni?

Ngokubanzi, ukubaluleka kwezimali zokuziphatha kusekukwazini kwayo nika ukuqonda okunzulu Imiba yezengqondo neemvakalelo eziphembelela ukwenziwa kwezigqibo zemali kunye nokunceda abantu, abacebisi kunye nabenzi bezigqibo benze izigqibo ezinolwazi nezinempumelelo zemali.

🥕 Ukuvala

Ukuqukumbela, imali yokuziphatha yindawo ebalulekileyo yokufunda evumelayo ikhanyisa imiba yezengqondo kunye neemvakalelo eziphembelela izigqibo zemali.

Ukuqonda kwakhe kunokunceda abantu, abacebisi kunye nabenzi bomgaqo-nkqubo benze izigqibo ezinolwazi kunye nempumelelo yezemali kunye nokukhuthaza iimarike zemali ezizinzileyo nezisebenzayo.

🔰 FAQ: Yintoni imali yokuziphatha?

Nantsi eminye imibuzo esoloko ibuzwa malunga nezimali zokuziphatha:

✔ Zeziphi iikhonsepthi eziphambili zezemali zokuziphatha?

Phakathi kweengqikelelo ezingundoqo zokuziphatha kwemali kukuthambekela kokuqonda, ukuqiqeka okudaliweyo, isiphumo sokuqulunqa kunye nokuziphatha komhlambi.

Inqaku eliza kufundwa Indlela yokuphucula ukubandakanyeka kwabasebenzi kwinkampani?

✔ Kutheni usebenzisa imali yokuziphatha?

Imali yokuziphatha iye yanda ukubaluleka kwiminyaka yakutshanje ngenxa yendima yayo ekuncedeni abantu kunye namashishini ukwenza izigqibo ezingcono zemali.

Ithathela ingqalelo iingxaki zengqondo kunye nemiba yeemvakalelo enokuchaphazela ulawulo lwenkunzi, utyalo-mali kunye nezigqibo zetyala.

Sigqibile kwaye ndiyathemba ukuba ufumene ulwaneliseko kwaye ujonge phambili kwizimvo zakho kumagqabantshintshi. Kodwa ngaphambi kokuba uhambe, nazi ezinye Iingcebiso zokuphumelela kushishino.