Esikhathini esedlule, inani lemali belingekho. Eqinisweni, kwakungekho ngisho nezinhlamvu zemali noma izikweletu. Abantu basebenzisa ukushintshaniswa kwezimpahla noma izinsizakalo ukuze bakwazi ukuthola abakufunayo. Kuze kufike izimali nohlelo lwemali.
Kodwa, Liyini inani lemali namuhla? Ngabe konke kuyafana? Le mibuzo neminye sizokuxazululela yona ngokulandelayo.
Yini inani lemali
Okokuqala, kufanele siqale ngokuchaza ukuthi sisho ukuthini ngenani lemali. Empeleni ifayili le- amandla lapho imali kufanele ithole izimpahla namasevisi ngayo. Isibonelo, cabanga ukuthi unemali engu-2 euro. Nokuthi kunomkhiqizo obiza ama-euro amabili kanti omunye ubiza ama-euro amathathu.
Endabeni yakho, leyo mali onayo yanele kuphela ukuthenga umkhiqizo obiza ama-euro amabili noma ngaphansi, kepha ngeke ukwazi ukuthenga noma yini eyeqa inani lemali onalo.
Kufanele ukhumbule ukuthi inani lemali okwamanje alibhekiseli kuphela ezinhlamvwini zemali, kepha futhi nezikweletu ngokwazo ziyaqala ukusebenza. Futhi hhayi kuphela maqondana neSpain, noma iYurophu, kepha nezwe lonke (ama-euro, amadola, ama-yen ...).
Ngakho-ke, kubalulekile ukwazi ukuthi luyini uhlelo lwemali lwamanje.
Kungani inani lemali libaluleke kangaka
Ezinsukwini zakudala, abantu bebengasebenzisi izinhlamvu zemali noma izikweletu, kodwa izimpahla nokuthi yini abangayenza. Lapho bedinga izikhumba, babenana ngazo nganoma yini ababenayo (mhlawumbe izilwane, imifino yemithombo, njll.).
Kodwa-ke, ngokuhamba kwesikhathi lokhu bekushintsha, futhi izinhlamvu zemali zavela. Kusukela ngalowo mzuzu kuqhubeke, ukuthengiselana kwenziwa nabo, ngendlela yokuthi Kuya ngokuthi unemali engakanani, ngaleyo ndlela ubungathenga.
Kepha ezweni ngalinye kwadalwa izimali ezahlukahlukene, ezazinamanani ahlukile, futhi lokho kwenza ukuthi imali ibe namandla kakhulu (nokuthi ingathengwa kakhulu noma ngaphansi ngayo).
Ngakho-ke, kubalulekile ukwazi inani lemali, ngoba yilokho okusisizayo ukwazi amandla umuntu anawo lapho enezimpahla zokuthola izimpahla kanye / noma izinsizakalo, kungaba ezweni elifanayo noma kwamanye.
I-International Monetary System: ibhekele inani lemali eliyimali
Inani lemali lwemali, noma yezwe, Ilawulwa yi-International Monetary System, eyaziwa nge-SMI yayo. Kuyisethi yemithetho, izivumelwano nezikhungo ezilawula ukuhwebelana kanye nezezimali zamazwe.
Okwenzayo ukubeka imithetho ukuze kulawulwe ukuhamba kwemali, okungukuthi, ukuze kube nokuhwebelana ngemali, ukuze kungabikho ukungalingani kunani lemali, njll.
Ngalo mqondo, i izinhloso azibukayo yilezi ezilandelayo:
- Shaya uchungechunge lwemithetho, imithetho kanye nemithethonqubo yawo wonke amazwe ukuze kube nokulingana kokuthengiselana.
- Qiniseka ukuthi kukhona ukuguquguquka kwemali, okusho ukuthi, imali ingashintshaniswa isuke kwelinye izwe iye kwelinye, noma okuphambene nalokho.
- Nikeza ngemali ukuze kungabi nemikhawulo.
- Lungisa futhi ulawule ukungalingani okungahle kube khona phakathi kokukhokhwa kwamazwe, noma wenze lula ukuxhaswa kwemali.
- Dala izindlela zokukhokha zomhlaba wonke.
Izikhungo zamanje ze-International Monetary System
Uma ungakaze uzwe ngabo njengangaphambili, ungamangala. Kepha iqiniso ukuthi bonke, ngezinga elikhulu noma elincane, bezwile ngabo, noma ngabe kuyigama labo. Ngokwesibonelo:
- I-International Monetary Fund (IMF)
- Ibhange Lokuhlala Kwezizwe Zonke (BIS)
- Ibhange Lomhlaba (WB).
Lezi zikhungo zizoba sezingeni lomhlaba jikelele. Kodwa futhi kukhona abanye emazingeni ezifunda, noma ngamazwekazi, okumele anakwe, njenge:
- I-European Union (EU)
- I-Inter-American Development Bank (IDB)
- Inhlangano Yokusebenzisana Komnotho Nokuthuthukiswa (OECD)
- I-African Development Bank (AFDB)
- ...
Lezi zemali ezinenani eliphakeme kakhulu lemali
Ngaphambi kokuphothula, sifuna ukukuletha eduze kwezinye zefayela le- Izinhlamvu zemali ezithathwa njengezibiza kakhulu emhlabeni ngoba inani layo lemali, ekushintshisaneni, liphezulu kakhulu elikhona. Ngabe ubucabanga ukuthi idola noma iphawundi bekubiza kakhulu? Thola ngempela lezo ezinqoba ezinye izimali:
I-Kuwaiti Dinar
Le mali ithathwa njengebiza kakhulu ngoba, ekushintshaneni, kwe- I-1 KWD izokunikeza cishe ama-euro amathathu. Ukubheka ukuthi i-Kuwait yizwe elincane, kepha ngengcebo enkulu nemali enenani elikhulu lemali, ikakhulukazi ngenxa yokuthunyelwa kukawoyela (i-80% yemali engenayo ivela lapho).
I-Bahraini Dinar
Asiyi kude kakhulu, kulokhu ukuya 1 BHD, engalingana cishe nama-2,50 euros. Izwe lisesiqhingini sePersian Gulf kanti imali engenayo ivela "egolide elimnyama", okusho ukuthi, nakoyela.
I-Omani Rial
Cishe 2,40 euro nge-OMR ngayinye Noma yini onayo ngale mali, leli zwe elisenhlonhlweni yase-Arabia lingenye yezindawo ezicebe kakhulu.
I-Jordanian Dinar
I-Jordanian Dinar, noma i-JOD, yehluke kancane kuleyo eyedlule, ngoba sesivele sehlile cishe ama-euro angu-1,30 ngakunye. Kepha nokho ingenye yezinhlamvu zemali enenani eliphakeme kakhulu lemali elikhona namuhla.