Umongo kunye nomsebenzi imali kutshanje

Akukho nto ehlabathini ezinjalo iimpikiswano phakathi kwabantu, njengoko ixabiso lemali ehlabathini. Abanye bathi ukuba le yeyona nto ibalulekileyo ehlabathini, kuba imali kuphela isinika okuphumelela kwihlabathi ithuba elikhulu yaye ndiyaqonda kakhulu amaphupha wayemthanda. Abanye, phezu koko, asole imali yonke yokusilela babanga ukuba ububi omkhulu emhlabeni. Yintoni uhlobo umsebenzi yemali, ngokwenene? Namhlanje siya kuzama ukuya kude izimvo ezibalulekileyo nangokweemvakalelo kulo mba kwaye ukuphuma c nembono cala.

Imali sesona sixhobo zemali ezibalulekileyo, ngalo umsebenzi yezoqoqosho yonke ehlabathini, ukusukela ngendlela eqhelekileyo urhwebo phakathi kwabantu, kunye nesiphelo kunye nokugqitywa kweemvumelwano zoluntu phakathi kwamazwe amabini. Kubalulekile ukuqaphela ukuba imali umlinganiselo othile ixabiso lempahla kunye neenkonzo ezithile, kunye result ukuba siyakwazi ukuhlola ngempumelelo ukubaluleka izinto ezithile kweli hlabathi. Nangona nenyaniso yokuba kule minyaka 70 kwinkulungwane yamashumi amabini kuye irhoxisiwe US dollar isikhonkwane kwigolide (yegolide zixatyiswe), namhlanje Kwandile igolide ludlala indima ebalulekileyo uzinzo kwindlela yokusebenzisa imali lwehlabathi. Ngenxa yoko, ubume kunye nomsebenzi imali badlale indima ebonakalayo kuphuhliso lwezoqoqosho karhulumente.

Umzimba omkhulu, nto leyo iliso isixa lwemali kweli lizwe, yibhanki eyongameleyo, apho, xa kuyimfuneko ukurhoxisa yinxalenye imali ejikeleza, kwaye ukuvelisa amadlozi (zeemoto) yamaphepha ezongezelelweyo. Ngokubanzi, ibhanki engundoqo lilawula lokuhamba imali ngokungqinelana ngqo neemfuno zoqoqosho ngexesha elithile.

Undoqo imali kunye nemisebenzi yazo zigqitywa ezi njongo zilandelayo:

1. Inika ithuba ukwenza iintlobo ngeentlobo kweempahla kunye neenkonzo kwi imicimbi eyahlukeneyo
2. Ngaba indlela ejikeleza, apho kunokwenzeka ukuba ukuhlola kungekuphela nje amandla neyokuthenga, kodwa ke luthelekiso iimpahla phakathi kwabo
3. Ishenxisa bobubi ngempahla exchange kwempahla, leyo lula kakhulu ukuthenga ezo mpahla eziyimfuneko.

Kuyaphawuleka ukuba uhlobo umsebenzi imali akusoloko kusenzeka ukuba ukuthelekisa ngqo amanqaku kwemali, nto leyo yeqhelekileyo ngamnye kuthi. Kwezinye iimeko yonxunguphalo, kwakunye nomthetho umsebenzi layeka imali unokwenza izitampu, urhulumente yona impahla ezingundoqo (amanzi, iswekile, isonka, imatshisi, ityuwa, njalo njalo). Ngenxa yoko, siyabona ukuba umsebenzi imali anokuyenza, ngokubanzi, zonke iintlobo zezinto, ukuba babanike umlinganiselo othile zexabiso. Ngenxa amatikiti uncedo kaRhulumente ukuze inciphise umngcipheko intelekelelo kunye nokunciphisa icandelo kuqoqosho isithunzi kwi imeko yokungaqiniseki yezoqoqosho.

Kubalulekile ukukhumbula ukuba imali wedwa engeyakonto kakhulu, kuba umlinganiselo kuphela izalisa ukubaluleka kwabo xa kuthelelkiswa namanye amazwe. Ukongeza, lonke udumo nemali inkqubo yehlabathi ke ubeka edibene namanye, kubangele uhlobo nemisebenzi imali anokuyenza, nezibambiso. Ezinokubaluleka ethile, izibambiso abe isixhobo zemali owayeze iintengiselwano ezinkulu zorhwebo okanye ukudityaniswa iinkampani ezininzi. Izabelo kunye nezibopho beenkampani umgangatho nekomkhulu yayo, apho le nkampani kuqingqo emarikeni, kwakunye amaxabiso yenzeka lonke ixesha, kwaye ixabiso lezabelo ukuba mhlawumbi kuvuka okanye bawe.

Xa ndiqukumbela, kufanele kuqatshelwe ukuba indalo, imisebenzi kunye neendidi imali kukho imihlaba ebanzi kakhulu ithiyori kwezoqoqosho achaza ngokupheleleyo zonke izinto ngaphakathi nqaku nje akunakwenzeka. Apha sithetha ngalo iziseko yenkqubo yemali, esazi ukuba wonke umntu uya kuba nako ukufumana ukuqonda ngcono yokumpompoza entsokothileyo nolwazi lwezoqoqosho.