Ngokusho kocwaningo lwe-Ipsos luka-2023, ama-61% abantu baseBrazil babhekene nobunzima bokonga imali. Iqiniso elibonisa le nkinga amazinga aphezulu okonga emindeni uma kuqhathaniswa namanye amazwe athuthukile, kuyilapho iBrazil ingaphansi kakhulu kwesilinganiso somhlaba wonke.
Lesi simo sibhebhethekiswa ukwehla kwamandla emali kanye nokungazinzi komnotho, okwandisa ubunzima kubantu bokugcina imali yabo. Kodwa-ke, ukuntuleka kolwazi kanye nokuzithiba mayelana nokuphathwa kwezimali zomuntu siqu kuyizinto ezibalulekile, futhi eziphuthumayo nakakhulu, ezibangela lesi simo.
Ngokusho kukaMarilucia Silva Pertile, umsunguli we- Start Growth, enikeza ubuchwepheshe, imali kanye nesipiliyoni ezinkampanini ezintsha, izinkampani ze-fintech ezigxile kwezezimali zomuntu siqu bezilokhu zinikeza izixazululo ezintsha zokubhekana nale nselele. I-fintech Smart Save, ukutshalwa kwezimali kwakamuva kwenkampani, iyisibonelo esiphawulekayo sendlela ukusungula izinto ezintsha okungasiza ngayo ekuxazululeni izinkinga zezimali ezivamile. "Isixazululo sivumela abasebenzisi ukuthi bonge futhi batshale imali ngokuzenzakalelayo ngokusekelwe ekuthengeni kwabo kwansuku zonke, besebenza 'njengesiphephelo sedijithali' sesimanje," echaza.
Iphephile yedijithali
Ngokusho komtshali-zimali, i-Smart Save iletha uguquko endleleni amaBrazil alondoloza ngayo imali ngoba ibhekana ngqo nobuthakathaka obukhulu babantu mayelana nokusetshenziswa kwemali: ukuntuleka kokulawula izitatimende zasebhange kanye nemikhawulo yamakhadi esikweletu.
Isiphakamiso se-Smart Save silula, kodwa sithembisa ukusebenza kahle: kukho konke ukuthenga okwenziwe ngekhadi lesikweletu, ikhadi ledebithi, noma i-Pix (uhlelo lokukhokha olusheshayo lwaseBrazil), inani elengeziwe (elibekwe ngaphambilini) ligcinwa njengotshalomali, ngokuqoqwa koshintsho. "Banikeza isiphephelo sethu sakudala, kodwa ngefomethi yedijithali. Yinkampani ye-fintech ye-B2C ecubungula ukuthengiselana ngendlela esingakaze siyibone ngaphambili," ugcizelela.
Izinselele namathuba emfundo yezezimali
Ukuntuleka kolwazi lwezezimali phakathi kwabantu abaningi kuyisithiyo esikhulu ekhonweni lokonga ezweni. Kodwa-ke, ngokusho kochwepheshe, ukutshala imali ezixazululweni ezintsha ezibasiza ukuba banqobe lezi zinselele kungaba yindlela yokuba babe nesithakazelo emathubeni okutshala imali. "Lezi zixazululo zingafinyelela kokubili izilaleli ezinenkinga yokonga imali kanye nalabo abafuna ukufunda ukutshala imali futhi abangazi ukuthi baqale kuphi," kugcizelela uMarilucia.
