Imikhiqizo yedijithali enenani elingaphezu kuka-R$15,000 idinga ulwazi olusha lokukhokha

Ukuthengiswa kwemikhiqizo yedijithali engaphezu kuka-R$15,000, njengokwelulekwa, ukuqeqeshwa kwabaphathi, kanye nezinhlelo zokusheshisa ibhizinisi, kudala isidingo esisha emakethe yemfundo yedijithali, okunikeza hhayi nje izindlela zokukhokha kodwa futhi nohambo lwezezimali olukwazi ukusekela abathengi nabathengisi kulo lonke umjikelezo wokuthengiselana. Lesi sihloko sithola ukubaluleka njengoba ukunikezwa kwezinhlelo zeprimiyamu kukhula futhi abakhiqizi bekhathazeka kakhulu ngamanani okungakhokhi, ukugcinwa, kanye nolwazi lwabafundi.

Ngokusho kukaReinaldo Boesso, oneziqu ze-Systems Analysis kanye neziqu ze-postgraduate ku-Business Management kanye ne-Project Management, futhi ungumsunguli kanye ne-CEO ye- TMB, inkampani ye-fintech egxile kwizixazululo zezezimali zabadali bemikhiqizo yolwazi kanye nemakethe yemfundo yedijithali, ukuthengiselana ngamathikithi aphezulu kudinga izinga elihlukile lobudlelwano kunalelo elivame ukusetshenziswa ekuthengisweni okunenani eliphansi. “Uma umuntu etshala imali engaphezu kuka-R$15,000 ekuqeqeshweni noma ekuqeqeshweni, ulindele ulwazi oluhlukile kuzo zonke izigaba. Lokhu kufaka phakathi izinkontileka, inkokhelo, kanye nokulandelela kulo lonke uhambo. Ukusekelwa ngezimali kuyayeka ukusebenza nje kuphela futhi kuba yingxenye yesipiliyoni samakhasimende,” kusho yena.

Ngokusho kwedatha ekhishwe yi-CNDL kanye ne-SPC Brasil, cishe abathengi baseBrazil abayizigidi ezingu-60.1 bathenge ngezigaba ekupheleni kuka-2025. Ucwaningo luphinde lubonise ukuthi izinkokhelo ngezigaba ziyaqhubeka nokuba yisici esibalulekile sokuziphatha kwabathengi ezweni, ikakhulukazi ekuthengeni okunenani eliphezulu.

Kulesi simo, umhlaziyi uthi ukunikeza izindlela zokukhokha ezahlukene akusahlangabezani nezidingo zalabo abathengisa imikhiqizo yedijithali esezingeni eliphezulu. "Ubudlelwano budinga ukwakhiwa ngisho nangaphambi kokuba kukhokhelwe inkokhelo yokuqala. Sisebenza nesu lokukhokhisa elisebenzayo, izikhumbuzo kusengaphambili, kanye nokusekelwa komuntu siqu lapho kuvela noma yiziphi izinkinga. Umgomo uwukulondoloza ubudlelwano phakathi komfundi nomdali womkhiqizo wedijithali, ukunciphisa ukungezwani okungadingekile."

Uhambo olusha lwemikhiqizo yedijithali enenani eliphezulu

Leli qhinga liholele i-TMB ekuthuthukiseni i-TMB Prime, isakhiwo esigxile kuphela ekuthengiselaneni okungaphezu kuka-R$15,000. Ngokungafani nezixazululo zokukhokha zendabuko, le modeli inikeza umphathi we-akhawunti ozinikele kokubili umdali womkhiqizo wolwazi kanye nomthengi oqeqeshwayo.

Ngokusho komsunguli ohlangene, ukuqapha kuqala esigabeni sokuqala salo msebenzi. "Indima yethu ukuqinisekisa ukuthi lonke uhambo lwezezimali lwenzeka ngendlela ehlelekile kakhulu. Asikhulumi nje ngokuqoqa izinkokhelo, kodwa futhi sikhuluma ngokuphatha ubudlelwano bezentengiselwano obuvame ukuhilela ukutshalwa kwezimali okukhulu kokubili kumthengi nakumthengisi."

Le modeli ihlanganisa ukwesekwa kwenqubo yokwamukela, ukuqapha kokukhokha okusebenzayo, ukuxhumana komuntu siqu ngaphambi kwezinsuku zokugcina, kanye nosizo lomuntu ngamunye noma nini lapho kudingeka ukuxoxisana noma ukucaciswa.

Ulwazi lwezezimali luthinta ukugcina imali

Ngokusho kochwepheshe bemboni, ulwazi lokuthenga selube yinto ehlukanisayo emakethe yemfundo yedijithali. Ezinkontilekeni ezinenani eliphakeme, noma iyiphi inkinga ehlobene nokukhokha ingalimaza hhayi kuphela ukuhamba kwemali komkhiqizi kodwa futhi nokubhaliswa okuqhubekayo komfundi ohlelweni.

Lo chwepheshe uthi izinkampani eziningi zisaphatha inqubo yezezimali njengesinyathelo esizimele. "Uma kukhona ukusondelana nokuxhumana kusukela ekuqaleni, singanciphisa izingxabano futhi sakhe indawo enempilo kakhulu kubo bonke abathintekayo. Emikhiqizweni ebiza kakhulu, lobu budlelwano benza umehluko omkhulu."

Imakethe ifuna ukwenziwa ngokwezifiso okwengeziwe

Ukukhula komnotho wedijithali kanye nemfundo eku-inthanethi kwandisa inani lezinhlelo zeprimiyamu ezinikezwa ochwepheshe, izikole zebhizinisi, kanye nabadali bokuqukethwe. Ngalokhu, isidingo sezixazululo zezimali ezikhethekile zemisebenzi eyinkimbinkimbi siyakhula.

Ngokusho kwesikhulu esiphezulu, umkhuba uwukuthi ukuphathwa kwezezimali kudlulele ngale kokuba nje isevisi yokusekela futhi kube yingxenye yesu lokuhweba labadali bemikhiqizo yedijithali. "Labo abathengisa imikhiqizo yedijithali ebiza kakhulu badinga ukubheka lonke uhambo lwamakhasimende. Inkokhelo iyingxenye yesipiliyoni futhi ithonya ngqo inani elibonakalayo lomkhiqizo. Uma le nqubo ihlelekile, ukwaneliseka kwabafundi kanye nokusimama komsebenzi kuvame ukuba kukhulu."