Isimo sezomnotho saseBrazil sibhekane nezinselele ezinkulu eminyakeni yamuva nje, ngamazinga ashaqisayo ezikweletu kanye nokungakhokhi kahle phakathi kwabathengi. Ngokusho kwedatha yakamuva evela ku-Serasa Experian, abantu baseBrazil abangaphezu kwezigidi ezingu-72 banesikweletu esithile esidlulelwe yisikhathi, esimele imindeni engaba yisikhombisa kweyishumi. Ukuqagela okuvela kwi-National Confederation of Commerce of Goods, Services and Tourism (CNC) kubonisa ukuthi izinga lesikweletu kufanele likhule ezinyangeni ezizayo, lifinyelele ku-79.9% ngoDisemba 2024. Ngaphezu kwalokho, cishe abantu abayizigidi ezingu-8.6 abangasebenzi, okwandisa ubunzima bezezimali bemindeni.
Kulesi simo, umshwalense wokuvikela ezezimali uvela njengesixazululo sokuvikela abathengi ezigamekweni ezingalindelekile kanye nobunzima bezomnotho obubangelwa ukulahlekelwa yimali engenayo. Ngaphezu kokwandisa ukunikezwa ukuze kuhlangatshezwane nesidingo esikhulayo, insizakalo yokuvikela ezezimali—ebizwa nangokuthi umshwalense wababolekisi—iletha izinzuzo eziningana kubathengisi, okuhlanganisa ukwethembeka kwamakhasimende kanye nethuba lokukhiqiza imali eyengeziwe.
Ukwethembeka okukhulu
Akunakuphikwa ukuthi abathengi baya ngokuya befuna izinto eziningi lapho bekhetha imikhiqizo nezinsizakalo. Abafuni nje kuphela ikhwalithi, kodwa futhi nemikhiqizo ehlangabezana nezidingo zabo futhi enikeza inani langempela. Ngokunikeza ikhambi eliphelele eliqinisekisa ukugcwaliseka kwezibopho zezimali ngisho nasezimweni ezimbi, isitolo sibonisa ukuzibophezela ekuphepheni nasenhlalakahleni yamakhasimende aso. Lokhu kusiza ukuheha izithameli ezintsha, kanye nokuqinisa ukwethembeka kwalabo asebevele bewazi umkhiqizo ngokunakekela okubalulekile kubo.
Umehluko wemakethe
Emakethe ekhula ngokugcwala, ukunikeza umshwalense wokuvikela ngezezimali kungaba yindlela enhle yokuhlukanisa ukuncintisana. Abathengisi ababheka ngale kwalokho okusobala futhi bathole izidingo zangempela zabathengi banethuba lokukhulisa iphothifoliyo yabo ngezixazululo ezifanele, ikakhulukazi esimweni samanje sezomnotho.
Lezi zinqubomgomo zomshuwalense ziqinisekisa ukukhokhwa kwengxenye noma okuphelele kwezikweletu zomuntu onomshwalense ezimweni ezifana nokulahlekelwa yimali engenayo ngenxa yokungasebenzi ngokungenhloso, ukukhubazeka ngokomzimba kwesikhashana, ukulaliswa esibhedlela ngenxa yengozi, ukufa ngengozi, phakathi kwezinye. Ngaphezu kwalokho, zinganikeza izinzuzo ezifana nesevisi esheshayo, efaka isandla ekuthuthukiseni ulwazi lwamakhasimende kanye nokuqinisa isikhundla semakethe somthengisi.
Ukwanda kokuthengisa
Umshwalense wokuvikela ezezimali ungakhiqiza nomthombo obalulekile wemali engenayo eyengeziwe kubathengisi, ufinyelele izithameli ezahlukahlukene, okuhlanganisa abasebenzi abakhokhelwayo, abasebenza ngokuzimela, ochwepheshe abazimele, kanye nezisebenzi zikahulumeni. Ngokunikeza le mikhiqizo, kungenzeka ukwandisa ithikithi lokuthengisa elijwayelekile noma ngisho nokuguqula izivakashi ezazingenaso isifiso sokuthenga amakhasimende ekuqaleni, kuqiniswe ukusebenza kahle kanye nempumelelo yesu lokuthengisa.
