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Ukufumana ukuguqulela imali kuyisidingo sobani obufakwa embono yezimali, ukuthola kumele noma ukuthengisa. Isisekelo sangempela sasekhanda sisebenza ngamagugu amaningi, nokuphila kwezinhlelo ephathelene neguqula lingafihlakala kubacwepheshe. Kodwa, ngokwazi okufanelekile nokuthuso okufaneleyo, ukushintshwa kweguqula kuyoba yinto efanelekile futhi kungaba yinto ethembekileyo. Leli cwaningo lizotshela kakhulu ngamandla weguqula, likunceda ukwenza izinqumo ezinembile bese livikele iziphaphalozo ezinokucosta imali.
Ukuziqonda Kwezimali Zokuhumusha Kwemali
Yini Imali Yokuhumusha Kwemali
Ukubuyiselana kwemali kuchaza umsebenzi wokuguqula imali engu-1 ekugcineni emali enye ngomathuba ohlelwe ngizinhlelo ezithile zezempilo. Leli qhaza libuye libuye lihluka ngokuphindaphindiwe ngenxa yosizo nokuthanda, izinombolo zempilo, ukuthintana kwezempi, namazwi ezenzo. Kusabe sezakwaba nezimali kanye nabantu, ukuziqonda leli hluko kubaluleke kakhulu ukuze kwenzeke izinqumo ezifanelekileyo ekufakelweni kwemali engenakho. Indawo yokuthengisa kwemali engaqondakali, futhi ibizwa ngokuthi forex noma FX, yindawo enkulu kakhulu yokuthakatha emhlabeni wonke, inethi i-dollar ezingama-trillion angamashumi amahlanu athengiswa ngalinye
Ukumelana kwegolide kuthuthukile kakhulu ngeminyaka engaphezu kwemizuzwana, kusuka ema- barter systems angaphambili kuze kube yizinkundla ezinxulumene namuhla. Namhlanje, ukuguquguquka kwegolide kusenziwa ngendlela elekthroniki ngimizuzwana embalwa, kuvumela ubuqhubekayo becomerce ngezwe nangaphandle komkhakha. Iibhanki, iingxoxo zomnotho, nezisebenza ngokupheleleyo zilandela le ngxoxo, nganye ethatha izahluko neemvume ezahlukeneyo. Ukufunda imithetho yesiqalo kunceda ukukhetha indlela efanelekileyo kwiindlela zakho njengoko kudingeka kuyo yonke into.
Abahloli ababandayo eMarkethi yeGolide
Iviki lomshango wemali kuyilwa ngabahlali abaningi, kodwa ngamunye wawo akhokha indima eyahlukene ekubaleni izindleko zomshango nomqondo wokutholakala kwemali. Amabhanki afundisa kungumthwalo omkhulu, njengoba asebenzisa imikorokozi yezimali engaqondene ngqo nemali yabo yaseNingizimu. Amabhanki wezenzo ayenzela ubuningi bemshango wemali kubantu basebenza nezakaleli, ngelixa amabhanki enzalo namafundi okuhlinzela ahlala angena emshangalatshe wobude obungcono obangasebenza iviki ngendlela ephambene.
Izihlanguzelo zomshango wemali zasekhaya zihlanzelela abahlinzeli nabakhankazi abancane, zinikeza iziviko ezikhangelayo kodwa zazungele ukuba zibe nzima ngokweqile. Izinhlelo zisenzo namakhangela e-fintech zenze isimo ngokuguqula ngokubonakala kanye nezindleko eziphantsi kunazo ezibalini. Ukuziqonda lezi zizigaba zokuthenga kusiza ukuthola izinketho ezilungile kakhulu zomshango wemali futhi uhlale ngokulungile kungenjalo.
Izinhlobo Zomshango Wemali
Izihlanguzelo ZeBhanki Ezivele
Iibhanki ezihleli ziyinxalenye ephambili yokuthenga kwayo yemali, zinikezela ubuhlekelelo nobunokholo obufunekayo ngabantu abaninzi. Iibhanki ezinkulu zonke zinika iindiza zeemali zendalo, kuxhomekeke kuthengiso lwemali yasekhaya, ukulungisa kwiindlela ezahlukeneyo, neakhawunti zamali angaphandle. Kodwa, iibhanki zibalisa imithwalo enkulu kunezinye iindiza, kwaye zinika izahluko ezimangalisayo kumaxesha apheleleyo. Inkonzo ibalulekileyo ixhomekeke koko iyakuvula le mithwalo kubantu abathanda ubunikazi obukhokelelweyo kunye neendiza zempumelelo yezimali.
Iibhanki ziqhubeka ngokugcwalisa iitransaki ezikhulu kwaye zinikeze iindiza ezifutshane njengeyisebe samazwe, umnothi wokuthenga kwasekhaya, nezisolutions zokuthengisa imali yasekhaya. Zinikeza futhi izikwere zokuphindwa kanye nezixhobo zokuhlala kwindiza kumabhizinisi afuna ukuphatha ingcindezi yemali ngexesha. Nakuba izahluko azizange zibe zingcono kakhulu, ubuhlekelelo, ukulandela izilawuli, kunye nesiprofeshini yesandla sibenza iibhanki zibe khathalelo elihle kubantu abaninzi abathengisa imali.
Izinkundla Zokuthengisa Imali Yonke
Izinkundla zokuthengisa imali edijithalini ziyishintshile umongo ngokunikeza ukukhokha kubanzi, izindleko ezihlelekile, ne-interfaces esemthandabuziyo. Lezi zinkundla njalo zinika izindleko zokuthengisa ezelweni kunamabhanki ahlelwe ngoba zinezimali ezincane zokusebenza futhi zingakhipha lezi zimali kubantu. Izinhlanganiso eziningi zezinkundla zinikeza ukulandela izindleko ngexesha eliqinile, ekuvumela abasebenzisi ukulima izikhathi zokuthengisa ukuze bafanele izindleko.
Ubungako bezinkundla zonke ukuguqulela imali akufanele kuchazwe kabusha, ngoba izinyathelo zingaphethekiswa khona napho kuphela kune-internet. Lezi zinkundla zanikeza izinhloso ze-mobile, izaziso ezizenzakalelayo zezindleko, nez lịchashiphiro ezijulile zezinyathelo. Kodwa, abasebenzisi kumele bakwamukele ukuthi izinkundla zonke ziqukethe izimvume nezincono zokuphepha ngaphambi kokwenza izinyathelo, ngoba ubume bezibonelo buhleli kakhulu ekulindeleni ukuphepha kwebhuluki nezempesheni.
Izinto Ezihlobene Nezindleko Zokuthengisa
Iziphawu Zomnotho Nezimali
Izimali zikwenzeka ngemithombo engaphezu kweminyaka eyayinelithi kanye nesivumelwano sezo ziphatha izimo nekuqinisekisa kwezempi likaLizwe. Izindleko zokuhlukunyezwa zidala indima ebalulekile, njengoba izimali ezifakelwa emazweni anezindleko ezincane zokuhlukenyezwa ziyaphinde zibuyisela kuzo ezinezindleko eziningi. Iziphumo ezisetshenziswa ngamabhanki aphathele kakhulu kubalasele kwezimali, kanti iziphumo ezidebele kahle kungavutha ukusebenzisa kwezimali futhi kugcwalise izimali.
Ukuthuthuka kweGDP, amandla wokusebenza, kanye namabala wohlelo wezoshishini konke kudala ubuchwepheshe bama-riali. Ukuqinisekisa kwebala kanye nemigomo yasimilo ikhona iququzelela ubuncinane bekuqinisekisa kwezimali. Indlela abantu abathanda ngayo kanye nokushintjwa kungakha kudala izinguquko ezinkulu, ngamanye amaxesha kungekho uhlanganiso oluthile nozimali zomlando. Ukufunda lezi zinto kusiza ekubekeni phambili izinguquko ezingaba khona kanye nokwenza izinqumo ezilungile kakhulu ngokuhumusha.
Imicimbi Yentsha Kuphela Neenguquko Zemali
Iziganeko ezikhulu zomhlaba zingakhaqazela ubuchwepheshe bokuthengisa imali, kungakhiqiza amandla nezinkinga kubo bonke abasebenzisa imali yezwe. Izinkathazo zezenzo, izinkinga zopolitiki, izimvuno zokuthengiselana, nezimvuno zomphakathi zingashintsha ngokushesha ubukhulu bekhetheka njengoba abathengi baya emalini aqondene ngekhetheka noma bathinta izindawo ezingavumelekile. Umphakathi ka-COVID-19 wabonisa kangakanani izinkinga zomhlaba zingathintsela iindlela zokuthengisa kakhulu ngexesha elincinci.
Ukuthuthelwa kwebhanki enkulu, izigameko zokuthengiselana phakathi kwemifula, nokuguquka kweenqwelo zezinto ezitholakala ziyahluka kakhulu ekubeni ikhetheka ibaluleke. Ukuba uyayazi ngamathiphu aphakade angaphandle kwayo nomdla wazo okunokuthintela ikhetheka kunceda abantu nabanye abasebenzi ukwenza izigqibo zobuhle ngexesha lokuthengisa kuzo zonke iitransaki zokuthengisa. Kodwa, ukubala izinguquko zexesha elincinane kusilungile kakhulu kuba nguqupha kumthengi onobulungiswa, okubonisa ubunzima bukuqonda ubukhono bakho nokuzivocla kwaye ukuzifuna iindlela zakho zokuthengisa.
Iindlela eziphambili zokuthengisa ikhetheka
Ukucoca ixesha lakho lokuthengisa ikhetheka
Ukufaflula kwezimali kuyaphila kakhulu ngexesha, nokuba ukubala ixesha elilungileyo lokufaflula kudinga ubuyekezo obucophele bezimali kwaye ngamaxesha kuba nemigaqo enjalo okanye akhathaze izimali ezipheleleyo. Ukugcina izimali zokufaflula ngexesha kunceda ukubona iimodeli kunye neengxaki ezifana nazo ziintaka zezimali ezithile. Ukuseta imiyalelo yomahluko ngemizobo eyahlukeneyo ikuvumela ukuba uqwalaselela ngokukhawuleza xa iindlela ezilungileyo zifumaneka.
Ngamaxesha amaninzi okufaflula izimali, ukwahlulwa kwemali kungasusa impicaseko yokuguquka ngokwahlula iitransaki ngexesha endaweni yokwenza iingxaki ezinkulu kwindawo eyodwa. Le ndlela ibonakala kakhulu kwiindiza enobuchwepheshe obuqhubekayo phakathi koluntu okanye abantu ababenza iingxaki ezihluzwayo phakathi koluntu. Kodwa, iingxaki ezidingayo ngokukhawuleza kudinga ukuthembeka kumahluko wemali ngoku, nakuba ixesha alilingani.
Ukunciphisa Iindleko Neefee Yofaflulo
Ukunciphisa izindleko zokushintshwa kwegolide kudinga ukuqonda izindleko nezivumelwano ezihlotshaniswa nezindlela ezahlukene zokushintsha. Ukulinganisa izindleko eziphelele zezokuthengisa, kufakwe phakathi izilinganiso sokushintsha, izindleko zokuthengisa, nokuthi kukhona izindleko ezingatholakali, kunciphisa umehluko okungcono kunokugcina inkinobho kuphela kumalini wokushintsha angikhethekile. Kunezinsizakalo ezinikeza amalinganiso amuhle kodwa zilondola izindleko ezinye, ngelishwa ezinye zinikeza ukulondoloza okubonakala konke.
Ukudibanisa izokuthengisa ezincane kuze kube yizokuthengisa ezinkulu sengathi kusiza ekunika amalinganiso amuhle kanti futhi kunciphise izindleko ngokuphelele. Ukuzivikela ukushintsha kwegolide emasethembeni, emakhaya, nasezindaweni zokuthanda kungenzeka kunciphisa izimali ezinkulu, ngoba lezi zindawo zilondola izimali ezikhulu ngokunjalo. Ukubala kuwena ungakwazi ukulondoloza futhi ukukhetha izinketho ezifanelekileyo zokushintsha kunge ukufaka uhlelo olunzima emuva kwesikhathi.
Izimiselo Ezijwayelekile Zokushintsha Kwegolide
Ukungahlinzi izindleko Nezivumelwano Ezinthothiyayo
Esinye sezimiselo ezihlukene kakhulu ekuguqulweni komthwalo ukungazange ubuyekele wonke amaphuzu okugcina ngaphandle kohlobo olitholakalayo. Izinkonzo eziningi zibhala izindleko eziphathelene nazo kodwa zongezela izindleko ezinkulu, izikwerekisa noma izindleko zomsindo ezakhelisa kakhulu izindleko zokugcina kwesivinini. Ukufunda izigaba ezincane kanye nokubuza imibuzo engcono mayelana nezindleko zonke kusiza ukuthintela izikhathi ezingahleli futhi kuvumelela ukulinganisa izindleko ngokucacile phakathi kwezinhlangano ezahlukene.
Ukuguqulwa kwemali ngokusheshayo, okunikezwa ngizinkonzo eziningi zemali yekhadi noma i-ATM, sengathi kungcono kodwa ngempela kungenzeka kunezindleko ezingamangalisayo kanye nezindleko eziyodwa. Ukuqonda lapho kanye ngenjani lezi zindleko zisebenza kusiza ukwenza izinqumo ezilungile mayelana nezindleko zokukhokha xa usayisha noma uxhumana nezivinini zasezulwini. Qaphela ukubala izindleko zonke zokuguqulwa kwemali, akunjalo kuphela uhlobo, ukuze uthathe izinqumo ezilungile kakhulu.
Ukungafaka inketho emandleni yemali
Ukuplaniswa okubi kungenza ukuthi kwenzeke izinqumo ezinezimali eziphakeme njengoba kusebenzisa inhlaka noma emakhaya angcono. Ukulinda kucazelo kungenza ukuthola izahluko ezimbi noma ukukhokha imali eyinhloko emasethembeni, emahoteleni, noma emisebenzini yokuhumusha enguqulela abalala. Ukubala imali oyidingayo ngaphambi kweyona ungakunceda ukuthola ulwazi, ukuhlukanisa izinkokhelo, nokuphatha isikhathi sokuhumusha.
Abantu abaningi bafunda futhi ukuthi bahumusha imali engaphezu kwezidingo noma engaphansi kwezidingo, lokhu kubangela ukuba bahlale nabamali abahlezi noma kubadingeka ukubhonga imali ngokushesha ngelilanga. Ukuzifisa izindlela zokugcina, ukunika izinqumo eziningi, nokufunda izinkokhelo zezimali zilandelayo kusiza ekulungiseni izinkokhelo nezindlela zokuhumusha imali kusuka kuzo zonke izindawo noma izidingo zokusebenza.
Ukuvuselelwa Kwemfundo Yokuhumusha Imali
I-App Yomxholo NamaXhumanisi Amadigithele
Ukukhona kwezinhlelo zokusebenza kwalapha kwashintshelwa ukuthengiswa kwegoldi ngokusebenzisa izicelo ezihlakaniphile zomnxeba neziphakamiso ezanelayo ezenza izilinganiso ngexesha elibalulekile, ukuguquka ngokushesha, nokunikezela umsebenzi obuhle kumsebenzisi. Le zicelo ziqukethe izici ezithile njengezaziso zezingeniso, iingxenye zemeko yezoshishino, nezibalo zegoldi ezikunceda abasebenzisi ukwenza izinqumo ezilungileyo. Ezimbi lezicelo zinikeza amathuba okuthengiswa kwegoldi phakathi kwebantu ababili okwenzela ukuthola izinkinga eziphuculi ngokuxhasa abasebenzisi ngqo.
I-Blockchain kunye ne-cryptocurrencies ziqaqambisa indlela eyayisendleleni yokuthengiswa kwegoldi ngokunika izindlela ezahlukene zokuthumela inani phakathi kwezizwe. Nakuba isebenza kakhulu, le zinhlelo zibonisa ukuthi kuzosiza ukuguquka kwegoldi kusasalalela, kusolula kanye kusabela ngaphezu. Kodwa, izigaba zokulawula kanye nembalamlawulo yesivikelo ziqhubeka zifaka, zidinga ukuqaphela kahle izinkinga nezinzuzo kubantu ababemi kakhulu.
Ukusetyenziswa kwe-Artificial Intelligence kanye nokubala komthengi
Ukufunda kwamakhina nokuthuthukisa izimo kusetyenziswa ngokwande ukuchaneka imithetho yomthongo futhi ukhangelwa izinkulunkulu zemali ngaphezulu kwezindlela eziphuculiweyo. Lezi zixhobo zingasebenzisa inombolo enkulu yokudatha kusuka kumathuba amaningi, kubandakanya izimpawu zezimali, ubuningi bezindaba, nezimpendulo ezangaphambili, ukuze kuvakalele izinto ezingcono ngexesha lokushintsha komali.
Ngenkathi izixhobo ezivuselelwe yi-AI zinika usizo oluhle, azikwazi ukususa ubuncike obungaphakade emathongweni omali. Ukuziqonda izindlela zazo nezinkinga zazo lezi zixhobo kusiza abasebenzisi ukuzisebenzisa ngempumelelo ngelishilini bahlale banezimangaliso ezihle ngokuchanekileyo ngezimpendulo zokuchaneka kumthongo. Isibopho sobugcisa bomntu nesixhobo sethu sezinhlelo sokuthuthuka sengaphila isenzo esihle kakhulu ekunqamleni okubalulekile ngokushintsha komali.
Imibuzo Evame Ukubuzwa
Ngisikhathi sini esihle kakhulu ukushintsha umali
Isikhathi esifaneleka ekushintshaneni kwezimali sisekelwa ezinhloko eziningi njengezimodi zomondi, izidingo zakho ngokuthile, neziganeko zezenzo. Ngokuvamile, ukuzivikela emehlweni yokuhamba kakhulu nokulandela izimali ngenkathi kusenzelwa iziganeko eziphambili zenzo kunciphisa isikhathi esihlakaniphileyo sokushintshana kwezimali. Kodwa, ukuzama ukubala ngokucacile kumelwe kube yisimo esingahlekanga, futhi ukwamukela izimali ezihle kangaka xa udinga izimali ziyafaneleka kunokulinda izimo ezilungileyo ezingakho.
Izinkonzo zokushintshana kwezimali zilahlala zishaya malini
Izindleko zokushintshana kwezimali ziguquguquka phakade phakathi kwezimoneli, ziholela kusukela ku-0.5% ku-4% yemali yokugcina, ngaphandle kwezindleko ezithile. Amabhanki ayashaya 2-4%, wafaqele online angaba namathuba afana no-0.5-2%. Izindawo zokushintshana kwezimali kamasitende nezihotela kungashaya 5-10% noma ngaphezulu. Qaphela njalo ukuthi ulinganisane ngokuphelele izindleko ngaphandle kohlangothi lwesishintsho kanye nezindleko ezinengeziwe ukuze uthole izindleko ezithile zokugcina kwakho.
Kubalulekana ukuthenga imali ngaphambi kokuhamba kumaqhate noma emkhakheni?
Indlela ebetha ibalulekile kakhulu kumkhakha wakho nokuphendula kwakho. Kwiimali ezikhulu nezizwe ezivuselekileyo, ukuthenga kuncinci ngaphambi kokuhamba ukuze usebenzise ekunye nesigaba esikhulu se-ATM noma banki yasendaweni sengathi sibonakala njengendlela ephambili yokuvuselela nokulawula izindleko. Kwiimali engachanganga noma kuzo zizwe ezineziphumo ezimbalwa zomthwebhu wobunka, ukuthenga imali ngaphambi kokuhamba kungaba kufunekayo nakuba kunezindleko eziphezulu.
Kufuneka ngithole ntoni xa ngixhathisa inkundla yokuthengisa imali?
Xa ukhetha inkonzo yokushintshana kwezimali, qhathanisa ukubalwa okulandelayo, izindleko eziphambene, ukuqinisekiswa kwezimvume, nezindlela zokuphepha. Buka izinkonzo ezibonisa ngqondile amathuba okushintshana kanye nezimali, ezinamazwi athembekile emphendulo, kanye enemvume engempela. Cinga iziqiniseko ezifana nokuthulula, isivinini sesiphindaphindi, ubumnandi bomntu ohlala naye, kanye nezinkonzo eziningi uzodinga, njengezishumayeli zangasekhanda okuyizinkonzo zombuso.