Iimpahla zemali

Ikheshi idlala indima enkulu kwizoqoqosho kwanaliphi na ilizwe. Zonke izinto zezoqoqosho kunye nezoshishino ziqhuba rhoqo ukuthengisana kwaye zenze intsebenziswano ngokusebenzisa i-cashless kunye nezimali zemali. Oko kukuthi, isixhobo esivumela ukukhulisa ubudlelwane boqoqosho kunye nokwandisa kwamashishini.

Ukuba sithetha ngale ngcamango kwinqanaba leyunithi yecandelo elithile, i-asethi ye-asethi yemali ibandakanya imali kunye nekheshi kwii-akhawunti ezahlukahlukeneyo zenkampani ebhankini, kunye nemali enxulumene nokugcinwa kwempahla ekhoyo ekuncediseni umsebenzi wenkampani kunye nokulumkisa malunga nelahleko kwiimeko ezingalindelekanga.

Ukongezelela, iimpahla zeemali zibonakaliso ezibalulekileyo ezibonisa ukusebenza kwazo zonke izinto zoshishino. Emva kwakho konke, bakuvumela ukuba ubale izikhokelo zentengo, ukuthengiswa kwempahla kunye ne-solvency. Imali eninzi yemithombo kwintlangano ibonisa izinga eliphezulu lokuthengiswa kwayo, ngoko ke, ukukwazi ukuhlawula ngokukhawuleza ama-counterparties kwizibophelelo.

Ngaloo ndlela, singatsho ukuba imali kufuneka icwangciswe ngokucophelela. Ukunikezelwa kwazo ngokucacileyo ngemali kunye nokusetyenziswa ngokufanelekileyo kwimali, imveliso kunye nemisebenzi yokutshala imali inikezela ngeniso ezinzileyo nayiphi na ishishini. Umsebenzi oyintloko wengcali yintlangano yemisebenzi, apho ukuhlawulwa kwetyala kwamatyala abaza kuhlawulwa ngexesha elifanelekileyo liya kuqinisekisa ukuhlawulwa kwetyala lenkampani yebhanki kubabolekisi.

Ikheshi kwisikali sikazwelonke nayo iyimpawu ebalulekileyo yeemeko zezoqoqosho zelizwe kwibala lehlabathi. Urhulumente kunye nebhanki kazwelonke ilawula umlinganiselo wemali obanjwe ngabemi kunye nokubala kwamashishini ezoqoqosho. Inani lemali lixhomekeke kwimfuno kunye nokuthengiswa kwiimarike. Ukuba imeko idala ukwanda okukhulu kwiimfuno zonikezelo, kwaye ngokuzenzekelayo kwandisa izinga lokunyuka kwamaxabiso. Ubume obungalawulekiweyo bale nkqubo kwiindawo ezilawulayo kunokukhokelela ekutshatyalaliswa kwenkqubo yebhanki kunye neengxaki eziqinileyo kwizoqoqosho.

Imali yanamhlanje ibhekiselele kwiimpawu zexabiso, ezizahlula ngemali yemali kunye nemali yamaphepha. Ngaphantsi kweempawu zexabiso kuthetha ixabiso lemali elinguxabiso elingaphantsi kwezimali ezisetyenziselwe ukuveliswa kwayo. Oko kukuthi, loo mali ayinalo ukhuseleko lokwenene, kwaye unyango lwabo lusekelwe kwintembeko yoluntu kwilizwe.

Ngaphambili, imali ingabizwa kuphela ngeemali zegolide neesilivere, kodwa zingenakunceda ukusebenzisa, ngoko ke, i-banknotes yaziswa. Ewe, imali yamaphepha ilula kakhulu. Zilula, nokuba imali eninzi ingadluliselwa ngaphandle kobunzima obukhulu. Ukususela ekuqalweni kweentengo zemboleko, imali yemali-mboleko iye yaphuhliswa. Okwangoku, iindlela eziphambili zokuhlawula ngokubala phakathi kwamanani ahlukeneyo. Iingxowa-mali kunye nokuhlola zibhekwa njengezona ziqhelekileyo, kuba sele zisebenza ngempumelelo kwiminyaka emininzi. Le ntetho yokuhlawula yokhuseleko, ilifa elikuvumela ukuba ufumane inani elichaziweyo emva kwexesha elithile.

Kungekudala, iindawo zokuhlala zikhula ngokukhawuleza ngoncedo lwamakhadi asebhanki, kwaye abanini babo banokuzibandakanya zombini kunye nemithetho esemthethweni. Ukwabiwa kwemali, efuna idiphozithi yokuqala yokuqala yeemali kwiakhawunti yokuhlawula amakhasimende, kunye namakhadi ekwereta avumela ibhanki ukuba ithathe isixa semali kumda. Inzuzo yamakhadi anjalo ayinakukhunjulwa, ngokwenene iyindlela elula yokusebenzisa indlela yokubala. Impendulo yodwa inokuba yintoni imfuneko yezixhobo ezizodwa, ezikhoyo kwilizwe lethu ezingenakufumaneka kuyo yonke indawo.