Ukuphathwa kwemali kuhlanganisa ndawonye zonke izinqumo, imithetho nezinqubo eziqinisekisa ukugcinwa kwebhalansi yezimali esheshayo yenkampani ngezindleko eziphansi kakhulu. Inhloso yawo eyinhloko ukuvimbela ubungozi bokuphelelwa yizikweletu. Okwesibili kube wukwenziwa kahle komphumela wezezimali (imali engenayo - izindleko zokuphela).
Ukubhalwa kwalesi sihloko kugqugquzelwa yisicelo esingapheli sababhalisile abambalwa be Finance de Demain. Eqinisweni, laba bakamuva bathi banenkinga yokuthola imali yokuxhasa amaphrojekthi abo, ama-Start-ups abo. Eqinisweni, ukuthola imali yokuxhasa iphrojekthi kuyinto ebalulekile ekusimameni kwephrojekthi. Finance de demain iza namuhla ukuzophendula umbuzo olandelayo: Ungawuxhasa kanjani ngezimali iphrojekthi yakho yokutshala imali e-Afrika?
Ukuxhaswa ngezimali okubambekayo, noma ukuxhaswa ngezimali kwabantu abaningi ("isixuku ngezimali") kuyindlela eyenza kube nokwenzeka ukuqoqa iminikelo yezezimali - ngokuvamile amanani amancane - enanini elikhulu labantu ngabanye ngokusebenzisa inkundla ye-inthanethi - ukuze kuxhaswe iphrojekthi.
Amabhange amaSulumane ayizikhungo ezinenkomba yezenkolo, okusho ukuthi ngokusekelwe ekuhlonipheni imithetho yamaSulumane. Izinto ezintathu eziyinhloko zenza imininingwane yamabhange amaSulumane uma kuqhathaniswa nokulingana kwawo okujwayelekile.
Ukusebenza kohlelo lwezezimali lwamaSulumane kulawulwa umthetho wamaSulumane. Kodwa-ke, kubalulekile ukuveza ukuthi umuntu akakwazi ukuqonda izimiso zokusebenza komthetho wamaSulumane ngesisekelo semithetho nezindlela zokuhlaziya ezisetshenziswa ezezimali ezivamile. Ngempela, kuwuhlelo lwezezimali olunemvelaphi yalo futhi olusekelwe ngokuqondile emithethweni yenkolo. Ngakho-ke, uma umuntu efisa ukubamba ngokwanele izindlela ezihlukene zokusebenza kwezimali zamaSulumane, kufanele ngaphezu kwakho konke abone ukuthi kungumphumela wethonya lenkolo ekuziphatheni, bese kuba yisimilo emthethweni. , futhi ekugcineni umthetho wezomnotho oholela ezezimali.
Ngemuva kwezimali zendabuko kukhona uhlelo lwezezimali oluvulekile olubizwa ngokuthi "i-shadow banking". ⚫ Le nethiwekhi yezikhungo nemisebenzi ngokwengxenye ibalekela imithetho yendabuko. Ithonya layo elikhulayo likhathaza abalawuli, ikakhulukazi njengoba libambe iqhaza elibalulekile phakathi nenhlekelele ka-2008. 🔻