Indawo yemfundo yezezimali ekufakweni kwezezimali

Ngaphambi kokuba siqale, ake sikhumbule lo mqondo ovela kumuntu wangaleso sikhathi: abantu bami bahlupheka ngokuswela ukwazis”. Kusukela kulomcabango, singaqonda ukuthi ukuntula ulwazi kungaba umsuka wokuhlehla kwethu. Kulokhu, ukuntuleka kwemfundo yezezimali kungase kube uku umsuka wamazinga aphansi okufakwa kwezimali kubonwa ezindaweni ezithile emhlabeni jikelele.

I-Afrika isalokhu ingelinye lamazwekazi anezinga eliphansi lokufakwa kwezimali emhlabeni. Ngokusho umbiko we I-Societe Generale des Banques, amanani ebhange kusuka ku-8% kuye kwangama-60%. Kulesi sihloko sethula kuwe ukuxhumana phakathi kwemfundo yezezimali nokufakwa kwezezimali.

La Ibhange Lomhlaba ibheka ukufakwa kwezimali njengesihluthulelo sokunciphisa ubumpofu obudlulele. E-Afrika, sisabheka amahloni ngalo mqondo. Nakuba abasebenza ngezimali ezincane benza lokhu kube yinhliziyo yomsebenzi wabo, ziningi izinto okumele zenziwe.

Kulesi sihloko, sethula kuwe indawo yemfundo yezezimali ekufakweni kwezezimali kwabantu. Ukwenza lokhu, siqale sikuchazele ukuthi sisho ukuthini ngokufakwa kwezimali bese kuba nakho konke lokho udinga ukwazi ngemfundo yezezimali.

Kodwa ngaphambi kokuqala, nansi ukuqeqeshwa okufanele ukwazi uyithola kanjani i-bitcoin eyi-1/ngenyanga mahhala. Chofoza lapha ukuze uyithenge.

🚀 Kuyini Ukufakwa Kwezimali?

Ukufakwa kwezezimali kusho ukuthi abantu ngabanye namabhizinisi babe nokufinyelela emikhiqizweni namasevisi ezezimali awusizo futhi ezithengekayo ezihlangabezana nezidingo zabo. Lokhu ukuthengiselana, izinkokhelo, ukonga, izikweletu kanye nomshwalense ohlinzekwa ngendlela enesibopho neqhubekayo.

Ukwazi ukufinyelela i-akhawunti yasebhange isinyathelo sokuqala ekufakweni okubanzi kwezezimali. I-akhawunti yasebhange ikuvumela ukuthi ugcine imali futhi uthumele futhi wamukele izinkokhelo. I-akhawunti yasebhange futhi isebenza njengesango lokuya kwezinye izinsiza zezezimali.

Yingakho ukuqinisekisa ukuthi abantu bangakwazi ukufinyelela i-akhawunti yasebhange kuphakathi nohlelo lwe-World Bank Group's Universal Financial Access Initiative.

I-athikili okufanele ifundwe: Amabhange aku-inthanethi: asebenza kanjani?

Ukufinyelela ngokwezimali kwenza ukuphila kwansuku zonke kube lula futhi kusiza imindeni ihlele yonke into futhi izibekele imigomo. okuhloswe ngamasu. Njengabaphathi bama-akhawunti, ungasebenzisa ezinye izinsiza zezezimali ezifana nekhredithi kanye nomshwalense.

Ngalokhu ungakha futhi ukhulise ibhizinisi lakho, utshale imali kwezemfundo noma impilo, ulawule ubungozi futhi ubhekane nokushaqeka kwezezimali.

🚀 Kungani ukufakwa kwezimali kubalulekile?

Ukuntula ukufinyelela ezinsizeni zezimali eziyisisekelo kungaba kudala izinkinga zezimali ezikhubazayo kubantu.

Bangase bangabi nayo indlela yokuthola izinkokhelo ezithile. Ngenxa yalokhu, bayavinjelwa ekuthengeni ngenxa yokuntuleka kwendlela elula yokuthumela izinkokhelo.

Ukufinyelela ezinsizeni zezezimali kubalulekile kubo bobabili abantu kanye namabhizinisi. Lokhu kufinyelela kukuvumela ukuthi ugcine imali, ulawule izinkokhelo nokugeleza kwemali, uqongelele ukonga, ufinyelele isikweletu futhi wenze ukutshalwa kwezimali.

Lokhu kufinyelela kubalulekile ekutholeni impahla nasekuqiniseni ukuvikeleka kwezezimali.

I-athikili okufanele ifundwe: Indlela yokusebenza yokuhlaziywa kwezezimali

Ukufakwa kwezimali kuqinisa ukutholakala kwezinsiza zomnotho futhi kwakha umqondo wokonga phakathi kwabampofu. Ukufakwa kwezimali a isinyathelo esikhulu ekukhuleni okubandakanya wonke umuntu.

Ifaka isandla ekuthuthukisweni komnotho jikelele kubantu ababencishwe amathuba. Ukufakwa kwezimali okusebenzayo kuyadingeka ukufukula abampofu nabancishwe amathuba ngokubahlinzeka ngemikhiqizo namasevisi ezezimali ashintshiwe.

Izinga lakho lokufunda ngezezimali linomthelela omkhulu kulo izinga lakho lempilo. Lokhu kuthinta ikhono lakho lokuzondla wena nomndeni wakho. Isimo sakho sengqondo ngemali nokutshalwa kwezimali kanjalo negalelo lakho emphakathini wakho kuyathinteka.

Ukufunda ngezezimali kusiza abantu ukuthi baqonde ukuthi yini edingekayo ukuze baphile impilo elinganiselayo ngokwezezimali, esimeme, enesimilo futhi ebophezelekile. Isiza osomabhizinisi ukuthi basebenzise imali yabanye abantu ukuze amabhizinisi enze ukuthengisa nenzuzo.

🚀 Izithiyo Zokufakwa Kwezimali

Kunezithiyo eziningi ezivimbela ukufakwa kwezimali, okokuqala okuwubumpofu obudlulele. Abantu abanemali encane noma abangenayo banesidingo esincane noma abangenaso nhlobo izinsiza zezezimali.

ngaphandle ubumpofu obedlulele obusabalele, ezinye izithiyo zivame ukuvimbela abantu abampofu ukuthi bafinyelele izinsiza zezezimali eziyisisekelo.

Izikhungo zezezimali zivame ukubeka izidingo eziqinile nezinemininingwane yemibhalo yokuvula i-akhawunti noma ukudlulisa imali. Abantu abangenawo amaphepha adingekayo baye bakhishwe ngempumelelo ekutholeni usizo lwezezimali.

Isihloko esizofundwa: Umshwalense wamaSulumane: Takaful

Ukwengeza, amagatsha aseduze kanye nezimfuneko zebhalansi encane yokuvula i-akhawunti ziyizithiyo ezengeziwe ekufakweni kwezezimali.

Ekugcineni, abantu abaningi abampofu abazi ukuthi bangafinyelela kanjani noma basebenzise kanjani izinsiza zezezimali. Yilokhu esikhuluma ngakho kulo mbhalo, inkinga yemfundo yezezimali.

🚀 Kuyini ukufunda ngezezimali?

La ulwazi lwezezimalie yikhono lokuqonda ukuthi imali isebenza kanjani. Kuphinde kusivumele ukuthi siqonde ukuthi othile uyenza kanjani, akuphathe, akutshale futhi akusebenzise (ikakhulukazi lapho enikela enhlanganweni esiza abantulayo) ukuze asize abanye.

Ulwazi olujulile lwemfundo yezezimali luyadingeka ukuze uqonde imali isebenza kanjani nokuthi ingakusebenzela kanjani - ngisho nalapho ulele - ngokutshala imali ezindaweni ezinenzuzo njengamasheya noma imakethe yemali.

Isihloko esizofundwa: Umshwalense wamaSulumane: Takaful

Ukuze uqonde imali kanye nendlela esebenza ngayo, kubalulekile ukuqonda imigomo evamile yolwazi lwezezimali. Nansi izimiso zemfundo yezezimali: oimigomo yezezimali, isabelomali, ukutshalwa kwezimali, umhlalaphansi, izinkontileka namamodeli okuqashwa.

Ucwaningo olwenziwe emazweni ahlukene mayelana nolwazi lwezezimali lubonise ukuthi iningi labantu (kubalwa nosomabhizinisi) abawuqondi umqondo wenzuzo ehlanganisiwe nokuthi abanye abathengi abalufuni ulwazi lwezezimali ngaphambi kokwenza izinqumo zezezimali.

Iningi labathengi bezezimali abanalo ikhono lokukhetha nokuphatha kahle ikhadi lesikweletu, futhi ukuntuleka kwemfundo yezezimali kuyimbangela yokuntuleka kokuphatha imali namakhono okuhlela ezezimali ebhizinisini kanye nomhlalaphansi.

I-athikili okufanele ifundwe: Thenga izindlu ezithengiswayo ezintsha noma ezindala ❓

Abaningi abangase bathathe umhlalaphansi abanalo ulwazi mayelana nokonga kanye nokutshala imali yomhlalaphansi. Abantu abaningi abahleli kusengaphambili futhi bathathe izingozi zezimali ngaphandle kokuqaphela.

Izinkinga zezikweletu zinzima engxenyeni enkulu yabantu ngenxa yokungakwazi ukufunda ngezezimali. Abantu abasha ngokwesilinganiso abanamakhono amancane ngokwezimali kunabadala babo.

🚀 Buyini ubudlelwano phakathi kolwazi lwezezimali kanye nokufakwa kwezimali?

Imfundo yezezimali inobudlelwano obuqondile nokufakwa kwezimali. Njengoba kwethulwe ngenhla, imfundo yenza kube nokwenzeka ukuthatha ulwazi ngobukhona obuthile. Isibonelo Kuyaqondakala ukuthi abantu abaningi abazi ukuthi kusho ukuthini ngezimali zamaSulumane.

Kodwa-ke, inikeza enye indlela kunezimali ezivamile ezingavuni kahle abantu abampofu ngokwezimali.

Imikhiqizo ethile yezezimali ye-Islamic ivumela abamabhange ukuthi baxhase ngezimali Iziqaliso ngaphandle kokuthi banikeze isiqinisekiso noma Isiqinisekiso. Abanye, ngakolunye uhlangothi, babizwa ngokuthi izivumelwano zokubamba iqhaza, ezivumela ibhange ukuthi libambe iqhaza enhloko-dolobha yenkampani entsha.

Ngaphezu kwalokho, intsha eningi enemibono engenaziqiniseko zokuhlomula ngezimali zendabuko iyazi ngobukhona crowdfunding.

Uma sibheka lezi zibonelo ezimbili, siyaqonda ukuthi ukufakwa kwezezimali akukwazi ukufezwa ngaphandle kwemfundo ejulile yezezimali.

Imfundo yezezimali ingazuzisa abathengi bayo yonke iminyaka namazinga emali engenayo.

Kwabantu abadala abasebasha abasanda kuqala izimpilo zabo zokusebenza, inganikeza amathuluzi ayisisekelo okwenza isabelomali nokonga ukuze imali nezikweletu zihlale zilawulwa.

Isihloko esizofundwa: Amabhange aku-inthanethi ochwepheshe nama-SME 

Imfundo yezezimali ingasiza imindeni ithole isiyalo esidingekayo ukuze ilondolozele ikhaya layo kanye/noma ukuze bafundise izingane zabo.

Kungasiza abasebenzi asebekhulile baqinisekise ukuthi banemali eyanele yokonga isikhathi sokuthatha umhlalaphansi ngokunethezeka ngokubanikeza ulwazi namakhono adingekayo ukuze benze izinqumo ezihlakaniphile zokutshala izimali njengengxenye yabo. izinhlelo zomhlalaphansi nezokonga umuntu ngamunye.

I-athikili okufanele ifundwe: I-wallet yedijithali isebenza kanjani?

Imfundo yezezimali ingasiza abantu abahola kancane ukuthi bakusebenzise ngokugcwele lokho abakwaziyo ukukonga futhi ibasize kukho gwema izindleko eziphezulu ezikhokhiswayo ngokwenziwa kwezimali yizikhungo okungezona ezezezimali.

🚀 I-Sumumé ...

Sengiphetha, singasho ukuthi impi yokulwa nokukhishwa inyumbazane nobumpofu kufanele iqale ngemfundo yezezimali. Imfundo yezezimali ikhuthaza ukufakwa kwezimali. Ngeshwa, bambalwa kakhulu abantu abakwaziyo lokhu.

Abantu ababhubhayo badinga ulwazi ngempela. Imfundo ejulile yezezimali ikuvumela ukuthi ulawule izindleko zakho, iholo lakho futhi ikakhulukazi utshalomali lwakho.

Ngaphambi kokuthi uhambe, nansi usenza kanjani isitolo semikhiqizo yedijithali ku-inthanethi. Chofoza lapha ukuze uthenge ukuqeqeshwa

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