Kudala, ixabiso lemali belingekho. Ngapha koko, kwakungekho kwaneengqekembe okanye amatyala. Abantu basebenzisa ukutshintshiselana ngeempahla okanye iinkonzo ukuze bakwazi ukufumana oko bakufunayo. Kude kube kufike iimali kunye nenkqubo yemali.
Kodwa, Liyintoni ixabiso lemali namhlanje? Ngaba zonke ziyafana? Le neminye imibuzo yile nto siza kukusombululela yona ngokulandelayo.
Yintoni ixabiso lemali
Okokuqala, kufuneka siqale ngokuchaza ukuba sithini na ngexabiso lemali. Yinyani amandla emali anokufumana iimpahla kunye neenkonzo ngayo. Umzekelo, khawufane ucinge ukuba unemali ezi-2 zeerandi. Kwaye kukho imveliso exabisa i-euro ezimbini kwaye enye ixabise i-euro ezintathu.
Kwimeko yakho, loo mali unayo yanele ukuthenga imveliso exabisa i-euro ezimbini okanye ngaphantsi, kodwa awuyi kuba nakho ukuthenga nantoni na edlula ixabiso lemali onalo.
Kuya kufuneka ukhumbule ukuba ixabiso lemali okwangoku alibhekiseli kwiingqekembe kuphela, kodwa nakwiimali ngokwazo ziya kudlala. Kwaye hayi kuphela ngokubhekisele eSpain, okanye eYurophu, kodwa kwihlabathi liphela (i-euro, iidola, i-yen ...).
Ke ngoko, kubalulekile ukwazi ukuba yintoni inkqubo yemali yangoku.
Kutheni ixabiso lemali libaluleke kangaka
Kwiintsuku zakudala, abantu bebengasebenzisi iinkozo zemali okanye amatyala, kodwa iimpahla kunye nezinto abanokuzenza. Xa befuna izikhumba, babenanisa ngazo nantoni na abanayo (mhlawumbi izilwanyana, imifuno yemithombo, njalo njalo).
Nangona kunjalo, ngokuhamba kwexesha oku bekutshintsha, kwaye iingqekembe zavela. Ukususela kuloo mzuzu ukuya phambili, intengiselwano yenziwa kunye nabo, ngendlela yokuba Kuxhomekeke ekubeni unemali ezingaphi, ngaloo ndlela unokuthenga.
Kodwa kwilizwe ngalinye iimali ezahlukileyo zenziwa, ezazinexabiso elahlukileyo, kwaye loo nto yenza ukuba imali ibe namandla ngakumbi (kwaye kunokwenzeka ukuba uthenge ngaphezulu okanye ngaphantsi ngayo).
Ke ngoko, kubalulekile ukuba wazi ixabiso lemali, kuba yile nto isincedayo ukuba siwazi amandla anawo umntu xa enezinto zokufumana iimpahla kunye / okanye iinkonzo, nokuba kukwilizwe elinye okanye kwelinye.
Inkqubo yezeMali yeHlabathi: inoxanduva lwexabiso lemali
Ixabiso lemali lwemali, nkqu ilizwe, Ilawulwa yiNkqubo yezeMali yeHlabathi, eyaziwa ngegama layo elithi SMI. Yiseti yemithetho, izivumelwano kunye namaziko alawula ukurhweba kunye nokuhamba kwemali kumazwe.
Into eyenzayo kukuseka imigaqo ukuze ukuhamba kwemali kulawulwe, oko kukuthi, ukuze kubekho ukutshintshiselana ngemali, ukuze kungabikho ukungalingani kwixabiso lemali, njl.
Ngaloo ngqiqo, i Iinjongo azilindeleyo zezi zilandelayo:
- Misela uthotho lwemithetho, imigaqo kunye nemigaqo kuwo onke amazwe ukuze kubekho ukulingana kwintengiselwano.
- Qinisekisa ukuba kukho ukuguqulwa kwemali, oko kukuthi, ukuba iimali zingatshintshaniswa ukusuka kwelinye ilizwe ukuya kwelinye, okanye ngokuchaseneyo.
- Nika imali ukuze kungabikho zithintelo.
- Lungisa kwaye ulawule ukungalingani okunokubakho phakathi kwentlawulo yamazwe, okanye ukuququzelela ukuxhaswa kwemali.
- Yenza iindlela zokuhlawula zamanye amazwe.
Amaziko akhoyo kwiNkqubo yeMali yeHlabathi
Ukuba awuzange uve ngazo njengangaphambili, unokumangaliswa. Kodwa inyani kukuba konke, ukuya kwinqanaba elincinci okanye elincinci, sele bevile malunga nabo, nokuba ligama labo. Umzekelo:
- I-International Monetary Fund (IMF)
- Ibhanki yokuHlaliswa kwaMazwe ngaMazwe (BIS)
- IBhanki yeHlabathi (WB).
La maziko aya kuba kwinqanaba lehlabathi. Kodwa kwakhona kukho abanye kumanqanaba engingqi, okanye amazwekazi, ekufuneka ethathelwe ingqalelo, njenge:
- European Union (EU)
- IBhanki yoPhuculo yaseMelika (IDB)
- Umbutho woBambiswano loQoqosho kunye noPhuhliso (OECD)
- IBhanki yoPhuhliso yase-Afrika (i-AFDB)
- ...
Ezi ziinkozo ezinexabiso lemali liphezulu
Ngaphambi kokuqukumbela, sifuna ukusondeza kwezinye iingqekembe ezithathwa njengezona zibiza kakhulu emhlabeni kuba ixabiso lemali, kutshintshiselwano, lelona liphezulu likhoyo. Ngaba ucinga ukuba idola okanye iponti yayiyeyona ibiza kakhulu? Zifumanise ngokwenyani eziye zongamele ezinye iimali:
I-Kuwaiti Dinar
Le mali ithathwa njengeyona ibiza kakhulu ngenxa yokuba, endaweni yokutshintsha, ye I-1 KWD inokukunika phantse i-euro ezintathu. Ukuthatha ingqalelo ukuba i-Kuwait lilizwe elincinci, kodwa ngobutyebi obukhulu kunye nemali enexabiso elikhulu lemali, ikakhulu ngenxa yokuthunyelwa kwelinye ilizwe ngeoyile (i-80% yengeniso yayo ivela apho).
Dinar Bahrain
Asiyi kude kakhulu, kule meko ukuya I-1 BHD, enokulingana ne-2,50 euro. Ilizwe libekwe kwisiqithi sePersian Gulf kwaye ingeniso yalo ivela "kwigolide emnyama", Oko kukuthi, nakwioyile.
Irali ka-Omani
Phantse I-2,40 i-euro kwi-OMR nganye Nantoni na onayo yale mali, eli lizwe likuSingasiqithi waseArabia lelinye lezona zityebi.
I-Jordanian Dinar
I-Jordanian Dinar, okanye i-JOD, yahlukile kancinane kuleyo yangaphambili, kuba sele sifikile phantse i-1,30 euro nganye. Ukanti yenye yeengqekembe enexabiso lemali eliphezulu elikhoyo namhlanje.