Kungani i-Financial Literacy iyinhlangano Entsha Yamalungelo Oluntu Yomphakathi WabaNsundu

Isingeniso

Impi yokulingana ngokwezimali phakathi komphakathi wabaNsundu yimpi elokhu iliwa amakhulu eminyaka, igxilile ekungabini nabulungisa komlando wobugqila, ukuhlukaniswa, kanye nobandlululo oluhlelekile. Igebe lengcebo, umehluko omkhulu ezinsizeni zezomnotho phakathi kwabantu baseMelika abamnyama nabamhlophe, lisaqhubeka, liqhubekisela phambili imijikelezo yobumpofu nokungalingani. Nokho, ithuluzi elinamandla likhona lokubekela inselele lesi simo esikhona: ulwazi lwezezimali. Le bhulogi ihlola umongo womlando wokungalingani kwezezimali, amandla aguqulayo olwazi lwezezimali, kanye nendima yabantu ngabanye, izinhlangano, nabakhi bezinqubomgomo ekuqhubeni inhlangano entsha yamalungelo abantu ukuze kunikezwe amandla ngokwezimali.

Umongo Wezomlando

Izimpande zokungalingani kwezezimali phakathi komphakathi wabaNsundu zilandelelwe kusukela esikhungweni sobugqila, esaphuca abantu abaMnyama umsebenzi wabo, impahla, namathuba ezomnotho. Ngisho nangemva kokuqedwa kobugqila, imikhuba yokucwasa efana nemithetho kaJim Crow, i-redling, kanye nemikhuba yokuboleka ebandlululayo yaqhubeka nokukhawulela amathuba ezomnotho abantu abamnyama baseMelika. Lokhu kungabi nabulungiswa komlando kube nomthelela ohlala njalo egebeni lengcebo, imindeni yabaNsundu namuhla ephethe ingcebo encane kakhulu kunemindeni yabamhlophe.

Ukufunda Ngezezimali Njengethuluzi Lokuhlomisa

Ukufunda ngezezimali, ulwazi, namakhono adingekayo ukuze wenze izinqumo ezinolwazi ngemali, kuyithuluzi elibalulekile lokunqoba izithiyo zamathuba omnotho umphakathi wabaNsundu obhekene nawo. Ngokuqonda ukuhlelwa kwesabelomali, ukonga, ukutshala izimali, nokuphathwa kwezikweletu, abantu ngabanye bangakwazi ukulawula izimali zabo, bakhe ingcebo, futhi bathole ukuzimela ngokwezimali. Ukufunda ngezezimali futhi kunikeza abantu amandla okumela izintshisekelo zabo zezomnotho futhi baphonsele inselelo ukungalingani kwesistimu.

I-Case Studies

 Ungafakaza amandla olwazi lwezezimali ezindabeni zempumelelo yabantu abaNsundu nezinhlangano ezisebenzise lolu lwazi ukuze kuzuzwe ukuzinza kwezomnotho nokwakha ingcebo. Isibonelo, Inxusa u-Harold Doley, owokuqala wase-Afrika-waseMelika ukuthenga isihlalo se-New York Stock Exchange, usebenzise ubuchwepheshe bakhe ukusiza inqwaba yabantu abaNsundu kanye nemindeni ukufeza izinhloso zabo zezezimali. I-WorldofMoney inikeze izinhlelo zentsha zemfundo yezezimali ezinkulungwaneni zamalungu omphakathi wabaNsundu emhlabeni wonke, ibahlomisa ngamathuluzi abawadingayo ukuze baphumelele ngokwezimali.

Iqhaza Lezikhungo Zezezimali

Izikhungo zezezimali zidlala indima ebalulekile ekukhuthazeni ukufakwa kwezimali kanye nokubhekana nezidingo zomphakathi wabaNsundu. Ngokuhlinzeka ngemikhiqizo namasevisi ezezimali athengekayo, ukuhlinzeka ngezinsiza zemfundo yezezimali, kanye nokutshala imali emiphakathini enganakiwe, izikhungo zezezimali zingasiza ekulengeni inkundla futhi zidale amathuba okuthuthuka kwezomnotho. Kodwa-ke, abalawuli kufanele babambe izikhungo zezezimali ziphendule ngemikhuba yazo futhi baqinisekise ukuthi abaqhubeki ukungalingani kwesistimu.

Isiphetho

Ukulwela ukulingana ngokwezimali phakathi komphakathi wabaNsundu kuwumzabalazo onzima futhi oqhubekayo. Kodwa-ke, ngokwamukela ulwazi lwezezimali kanye nokusebenzisana ukuze sakhe uhlelo lwezezimali olulinganayo futhi olunobulungisa, singakha ikusasa lapho wonke umuntu enethuba lokuzuza impumelelo yezezimali. Ukufunda ngezezimali kuyikhono lomuntu siqu kanye nokunyakaza okuhlangene kobulungiswa kwezomnotho kanye nokuhlomisa. Masizibophezele ekwenzeni ukufunda ngezezimali kube inhlangano entsha elwela amalungelo abantu abamnyama.

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