Athini amaqonga okubolekisa ngoontanga?

maqongaUkuba ujonga umgca wekhredithi, into yokuqala ekufuneka uyazi ngalo mzuzu kukuba bukhona ubomi obungaphaya mboleko zebhanki ngokwesiNtu. Njani? Ewe, kulula kakhulu kumaqonga ekuthiwa yimali mboleko phakathi kwabantu. Yindlela ye enye imali oko kungakukhupha ngaphandle kwengxaki enye ukusukela ngoku. Kwaye okubaluleke ngakumbi, kukusetyenziswa kwenqanaba lenzala elinokuthi kwiimeko ezininzi libe kukhuphiswano ngakumbi. Oko kukuthi, uya konga imali kulwabiwo lomsebenzi.

Ngayiphi na imeko, yimodeli entsha kakhulu evelayo ngokuthandwa ngokukodwa kubasebenzisi. Ngokukodwa, phakathi kwe icandelo labemi abancinci  esetyenziselwa ukusebenza ngezixhobo ezitsha kubuchwephesha bolwazi. Ngokuvela kwamaqonga amatsha avumela abantu ukuba babonelele ezinye zezona mfuno zisondeleyo. Nangona kunjalo oomatshini bayo abayi kufana nakwiinkqubo zemveli ngakumbi.

Amaqonga emali mboleko phakathi kwabantu abonelela ngeenkonzo ezahlulwe ngokufanelekileyo kunye nezibonelelo ekufuneka uzazi ngoku. Ngenjongo yexabiso ukuba unako okanye ubamangalele ngokuxhomekeke kwiprofayili oyivezayo njengabasebenzisi. Elinye lamagalelo akhe afanelekileyo lilele kwinto yokuba sisisombululo xa Bawavalile amathuba okufumana imali ngezindululo zamashishini ebhanki. Uya kuhlala unalesixhobo sokucela imali mboleko. Nangona iimali abazibonisayo ngalo mzuzu zingaphantsi kunezo ziqhelekileyo.

Amaqonga phakathi kwabantu

Kuyathakazelisa kakhulu ukuba uyazi ukuba zeziphi eziqonga zikunika zona ngalo mzuzu. Ewe kufuneka uyazi ukuba ezi zixhobo zikhethekileyo zenkxaso zenza inkxaso ecacileyo kubatyali mali abanqwenela ukwenza ulindelo lwabo lweshishini. Ngale ndlela, luluhlu lwamaqonga emali mboleko, ebizwa ngokuba yi-P2P, ezixhumeke ngokwenene kubatyali mali abafuna iimali mboleko. Oko kukuthi, bafuna ukuxhasa ngemali ezinye iimfuno, ezobuqu, kodwa ngaphezulu kwayo yonke ingcali. Ngothotho lweempawu ezichaza kakuhle ezi zixhobo zintsha zithatha indawo yeebhanki.

Le mveliso intsha ibonakaliswe ngaphezu kwayo yonke into kuba izinga elilindelekileyo lisondele kwi-7% ngonyaka, ngaphezulu kweembuyekezo ezibonelelwa ziibhanki zaseYurophu, ezingasoloko zifikelela kwinqanaba le-4%. Kwelinye icala, enye yeendlela eziqhelekileyo zala maqonga akhethekileyo kukuba ukuthengiswa kwemali kwangoko. Apho inkqubo iqala khona apho umtyali mali angathengisa ipotifoliyo yakhe kwaye afikelele kwimali yakhe nangaliphi na ixesha, ecela ukuba idluliselwe ukuze iye kwiakhawunti yakhe yebhanki. Mhlawumbi yeyona nxalenye inzima yenkqubo yokusebenza.

Zithini iimfuno zakho?

iimfuno Ukusebenza kula maqonga emali mboleko phakathi kwabantu, azikho iimfuno ezininzi eziceliweyo ngeli xesha. Phakathi kwezona zibalaseleyo kukukhululeka kokusebenzisa. Kuba eneneni, ukuba ezi zixhobo zintsha zezemali zahlulwe yinto, kulula kakhulu ukuba zisetyenziswe, njengoko ingafuni amava otyalo-mali. Ukuze ukulungele ngokupheleleyo ukusebenza ukusuka kumzuzu wokuqala. Ngaphandle kokunqongophala kolwazi ekusetyenzisweni kwayo. Oko kukuthi, kwiimeko apho usebenza khona okokuqala kwaye kulapho kuvela amathandabuzo malunga nento oza kuyifumana kula maxesha kanye.

Kwelinye icala, awungekhe ulibale ukuba kumaqonga emali mboleko phakathi kwabantu unokwabelana ngeepotifoliyo yakho nabahlobo kunye nezihlobo. Umzekelo. Kunye nomntakwenu omdala ofuna ukufaka isandla kutyalo-mali lwakho. Phakathi kwezinye izizathu kuba ungayenza ngendlela elula kakhulu kwaye nobabini ninokuba neenzuzo ezininzi. Kutheni uza kufumana umdla okhuphisana ngakumbi wokushiya imali kunye nawe kuba uya kuba nakho ukuzixhasa ngemali kwiimeko ezingcono zesivumelwano. Hayi ngelize, iya kukudla imali encinci kunokuba usebenzisa naziphi na iikhredithi ezithengiswa ngamaziko emali. Yindlela elula ngayo ukusukela ngoku.

Umngcipheko ekusebenzeni

Ewe kunjalo, enye yemiba oyakuyithatha ngoku yimingcipheko ebandakanyekayo kwimisebenzi eyenziweyo kula maqonga emboleko phakathi kwabantu. Ngale ndlela, kuya kufuneka uyazi ukuba umngcipheko ulinganiselwe kuba ngamaqonga ngokwawo atyala imali yawo kwinxalenye encinci yemali mboleko eyahlukeneyo, ukunciphisa umngcipheko ukuya phezulu. Ngenxa yesi sicwangciso-qhinga sentengiso umngcipheko uya kuncitshiswa ngalo lonke ixesha ufuna enye yeemveliso zabo okanye iinkonzo. Ngaphandle komdla ovumelana nelinye iqela, oko kukuthi, kumbolekisi wabucala.

Ngapha koko, la maqonga Basebenzisa amacebo okucoca ulwaphulo-mthetho ngokungathandabuzekiyo okanye ayikho. Ngale ndlela, uya kuthintela abafowunelwa okungafunekiyo okungakhokelela ekubeni ube nokumangaliswa okungaphezulu kwesinye kwiiveki ezizayo. Ukusuka kule ndawo yokujonga, akukho mathandabuzo ukuba umngcipheko ulawulwa ngokuqinisekileyo. Kwaye le yeyona nto inceda abatyali mali, njengoko kunokuba njalo kwimeko yakho. Nangona kunjalo, kwaye njengoko kusengqiqweni ukuqonda, yonke into iya kuxhomekeka kwimiqathango ebekwe liqonga ngalinye lemali mboleko phakathi kwabantu. Kwaye azisoloko zifana kuba licandelo elingenakuchazeka elingena kutshintsho olukhulu ekusasazeni kwabo phakathi kwabasebenzisi.

Ukwahluka kwepotifoliyo

isikhwama Ukulawula umngcipheko, kubalulekile ukwahluka ngaphakathi kwipotifoliyo yakho, oko kuthetha ukuba akufuneki ubeke onke amaqanda akho kwibhasikithi enye. Endaweni yoko, kuya kufuneka uhlukanise ngeendlela ezahlukeneyo zokuboleka imali ukunciphisa umngcipheko wakho wokulahleka. Ngale ndlela, la maqonga avumela esi sicwangciso sotyalo mali ukuba senziwe. Ukuze ngale ndlela, kuncitshiswe umngcipheko kuwo omabini la macandelo ayinxalenye yale nkqubo. Yinto ongafanele uyilibale ukusebenzisa le nkonzo ngaphandle kwamathandabuzo enokukunceda ngaxa lithile okanye kwenye.

Kwelinye icala, kubaluleke kakhulu ukuba kuthathelwe ingqalelo ukusukela ngoku amaqonga abasebenzisi analo phambi kwabo ipesenti yotyalo-mali olwenziwe nge-API ngendlela efanayo nakwiinyanga ezidlulileyo. Akunanto, yehle kancinci ukuya kwi-0,4% Itotali iyonke, ngenxa yezakhono zobuchwephesha ezifunekayo kolu khetho. Nokuba yeyiphi na imeko, lolunye ukhetho olucacileyo kunezinye iindlela zotyalo-mali. Ngaphandle koncedo kunye nokungalunganga okubandakanya ezi modeli phakathi kwabantu.

Ithini imali mboleko yeP2P?

Kulungiselelwe abo bangekayisebenzisi le ndlela yotyalo-mali, kukho umbuzo oqhele ukuzibuza ngeli xesha. Yintoni ekufuneka uyazi malunga nemali mboleko ye-P2P? okanye isebenza njani imali-mboleko ye-P2P? Ewe, eyona nto iphambili phambili kwezobuchwepheshe kunye nokufikelela kwe-Intanethi kwihlabathi liphela kubenze bakwazi ukuguqula iinjongo zabo eziziinkonzo zibe yinto enamandla kakhulu. Kumaqonga alungileyo e-P2P, inokuthatha nje imizuzu embalwa, kunye nokucofa nje ezimbalwa, kuxhomekeka ekubeni usebenzisa ikhompyuter okanye ifowuni, ukubhalisa kunye nokuqala ukuthatha inxaxheba.

Ngokubhalisa ungafikelela kumxholo wayo nangaliphi na ixesha losuku, nokuba kusebusuku okanye ngeempelaveki. Ngaphandle kokumiselwa ngokusesikweni kwale nkqubo yolawulo nakweyiphi na iofisi. Ukuze ngale ndlela, ungasebenza kunye neemveliso kunye neenkonzo. Ukuza kuthi ga kwinqanaba lokuba ufune umgca wetyala phantsi kweemeko ezikhuthaziweyo kumaqonga emali mboleko phakathi kwabantu. Kuya kuba lunomdla kakhulu, kwelinye icala, ukuba ungafumanisa ukuba ngubani oza kuba ngumntu oza kuxhasa ngemali. Yinto ebaluleke ngakumbi kunokuba ubona kusengaphambili ukusuka kumzuzu wokuqala.

Imigaqo yale migca yetyala

imihla ebekiweyo Enye into ekufuneka ithathelwe ingqalelo yimihla ekubhekiswa kuyo kwezi mveliso zikhethekileyo sithetha ngazo kweli nqaku. Ukusuka kule meko ngokubanzi, nangona kuyinyani ukuba iimali mboleko ezinikezelwa ngamaqonga ngokubanzi banamaxesha aqala kwiinyanga ezintandathu ukuya kwezili-18Oku akuthethi ukuba kuya kufuneka uzibophelele ngokupheleleyo okanye ngokuyinxenye kwelo xesha lexesha. Kuba unokuba nokuqina okungaphezulu okanye okuncinci.

Ngaphaya koko, akukho mrhumo wokutyala imali kwiimarike eziphambili okanye eziziisekondari. Umrhumo omncinci wokuqokelela kunye nokubuyisa utsalwa ekuhambeni kwemali yemali mboleko ekreqi. Kanye njengokuba kukho imarike enkulu yangaphakathi evumela abatyali mali ukuba bathenge kwaye bathengise utyalo-mali lwabo olukhoyo. Apho, abatyali mali banokufikelela kumakhulu eedatha kutyalo-mali olukhoyo kusetyenziswa into ebizwa ngokuba ngumsebenzisi. Ukuba yenye yezinto ezinqabileyo ngokubhekisele kumajelo emveli emali. Isizathu esinye esinokutyekela ekuqesheni le nkonzo ukusukela ngoku.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1.   jairo jeronimo sitsho

    Ndivela eGuatemala kwaye ndinomdla kwikhredithi