Zomwe Zimakhudza Kutembenuka Kwa Ndalama
Ogwiritsa ntchito azigwiritsa ntchito nthawi zonse. Izi ndichifukwa choti timayenera kukwaniritsa zosowa zathu tsiku ndi tsiku. Ndipo m'mbiri yonse yazogwiritsa ntchito, sitikuzindikira kukwera ndi kugwa kwa zinthu zomwe timagula. Chowonadi ndi chakuti, zaka zikamapita, mtengo wazinthu zonse umakulirakulira. Izi zimapereka ubale wolunjika pakati pa nthawi ndi ndalama. Chimodzi mwazofunikira kapena zosowa, ngakhale mutayika, mwanjira ina taphatikizira njira yosinthira ndalama. Lingaliroli limachokera ku njira yakudziwitsa mtengo wa ndalama imodzi motsutsana ndi mtengo wina. Amatchedwanso ndalama zakunja. Kodi zimakhudza bwanji kutembenuka kwa ndalama zina? Izi ndi zina mwazinthu zina:
Kukula kwachuma: Zokhudzana ndi zinthu ziwiri zoyambirira, kukula kwachuma ndi njira yolimbikitsira phindu la ndalama mdziko. Chuma chikayamba kuchepa, ndalama zomwe ogula amagwiritsa ntchito zimawonjezeka chifukwa mabanki apakati amachepetsa chiwongola dzanja pa bizinesi yobwereketsa. Ngati chuma chikuyenda bwino, mabanki apakati amapereka chiwongola dzanja chachikulu pamakampani obwereketsa kuti awongolere momwe ogwiritsira ntchito amagwiritsira ntchito. Kutembenuka kwa ndalama kumachitika, chuma chomwe chikuwonetsa kukula bwino chimakhala ndi mwayi wowonjezera phindu la ndalama zake. Ngati iwonetsa kuwonongeka, zotsatira zakusintha kwa ndalama zake ndizotsika.
Ntchito Yoyang'anira: Kuwona ntchito kumathandiza kwambiri pakusintha ndalama. Ngati nzika zambiri sizikugwira ntchito, ndalama zimasowa, ndipo mtengo wamayiko watsika. Izi zikachitika, chuma cha dziko chikuwoneka chofooka. Izi zikachitika, ndalama zadziko lino zimatha kutembenuka pang'ono zikagulitsidwa ndi ndalama yina kuchokera kudziko lomwe lili ndi chuma champhamvu. Mwachitsanzo, mtengo wa USD watsika panthawi yomwe kutsika kwachuma kudali pachimake. Izi zikutanthauza kuti mtengo wa dola unatsika chifukwa malingaliro pantchito anali ochepa. Ngati Yen atasinthidwa kukhala USD, idzakhala ndi phindu locheperako.
Chiwongola dzanja: M'mayiko onse, bungwe lazachuma limayang'anira ndikuwunika phindu la ndalama. Izi zimatchedwa mabanki apakati. Mabanki apakati amathandizira kuwongolera phindu la ndalama pokhazikitsa chiwongola dzanja. Chiwongola dzanja chimadalira chuma cha dziko ndipo chimatsimikizira ngati ndalama zimayamikira mtengo wake kapena ayi. Chifukwa ogula amabwereka ndalama pazosowa zawo, mabanki apakati nthawi zonse amayesetsa kupereka chiwongola dzanja chokwanira kuti zisawonongeke pamsika wazachuma. Ngati chiwongola dzanja chikukwera, amalonda ambiri amatha. Izi zimapangitsa kuti ndalama ziwonjezeke komanso, kumawonjezera mtengo kuchokera pakusintha kwa ndalama.
Kusamala Kwamalonda: Uku ndiye kusiyana pakati pamayiko omwe amatumizidwa kunja ndi kutumizidwa kunja. Momwemo, kusiyana komwe kumayenera kukhala koyenera. Ngati ndi choncho, imapereka kuthekera kosintha ndalama chifukwa oyendetsa ndalama zakunja adzafunika kugula ndalama zambiri zadziko kuti amalize kutumiza kunja. Mofananamo, ngati kusiyana komwe kulipo kuli koyipa, kusintha nthawi zambiri kumakhudza kwambiri chifukwa ndalama zochuluka zimafunikira kuti dziko likwanitse kugula zinthu zochokera kunja. Izi zikutanthauza kuti kusinthitsa ndalama kumatanthauza kuti ndalama zadzikoli zitha kugula zinthu zochepa kuposa kale.
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