Zotsatsa
Akatswiri akuwonetsa nkhawa ndi kubwerezabwereza kwa ngongole pambuyo pokonzanso mgwirizano wobweza. Pulogalamu ya Desenrola, yomwe ndi dongosolo la boma la feduro lothandiza kukonza ngongole, ikhoza kukhala msampha ngati mamiliyoni a anthu aku Brazil omwe abwezeretsa mbiri yawo yabwino pamsika sadziwa kusamalira chuma chawo, akutero akatswiri ku InfoMoney.
M’mwezi wake woyamba wokhazikitsidwa, Desenrola inafikira pa R$ 9,5 biliyoni mu mapangano azachuma, makamaka mu Gulu 2, momwe anthu omwe ali ndi ngongole amakambirana nkhani zawo za kubanki mwachindunji ndi mabanki motsatira mikhalidwe yapadera, monga momwe Federação Brasileira de Bancos (Febraban) inalengezera posachedwapa.
Zotsatsa
Febraban ikufotokoza kuti gululi likuphatikiza makasitomala omwe amalandira ndalama pamwezi zoposa malipiro ochepera a 2 koma zosakwana R$ 20 zikwi, ndipo sali m’Buku la Anthu Olembetsedwa la Boma la Feduro.
Kuyambira pa 17 Julayi mpaka pa 18 Ogasiti, zokambirana za ngongole zinakhazikitsa mapangano 1,5 miliyoni, zomwe zinakhudza makasitomala a mabanki pafupifupi 1,1 miliyoni. Kutenga nawo mbali mu pulogalamuyi kudzapitirira mpaka pa 31 Disembala.
Mu Seputembala, gawo lachiwiri la polojekitiyi likufuna kuthandiza ogula omwe amalandira ndalama zofika pa malipiro ochepa awiri kapena omwe ali mu Cadastro Único. Gulu ili, lomwe limawonedwa ngati la ndalama zochepa, lidzakhala ndi mwayi wokonza ngongole mpaka R$ 5 zikwi zamitundu yosiyanasiyana.
Zotsatira ndi Zokhudza kwa Pulogalamu ya Desenrola
Werenganinso: Desenrola Brasil: Kukambirananso za Ngongole Zokonzedweratu ndi Masitolo Akuluakulu
“Poyamba, cholinga chake ndi kuchepetsa chiwerengero cha anthu omwe salipira ngongole. Komabe, ambiri amachoka pa kusalipira ngongole kupita ku ngongole yatsopano kudzera mu kukonzanso mgwirizano wa ngongole. Izi zikutanthauza kuti amatenga udindo wina wa zachuma”, akutsindika Cintia Senna, katswiri wa zachuma komanso wofuna kuchita digiri ya udokotala ku Florida Christian University (FCU).
Ziwerengero za Confederação Nacional do Comércio de Bens, Serviços e Turismo (CNC) zikuwonetsa kuti chiwerengero cha mabanja omwe ali ndi ngongole ku Brazil chatsika pang’ono kuchokera pa 78,5% mu June kufika pa 78,1% mu July. Uku ndi kutsika koyamba kuyambira November 2022, ndipo CNC ikunena kuti Desenrola ndiye chifukwa chake.
“Popanda kasamalidwe kabwino ka zachuma ndi bajeti yokonzedwa bwino, n’zotheka kwambiri kuti munthu ameneyu, yemwe anathetsa ngongole yake yakale, abwererenso mu mkhalidwe womwewo chifukwa cholephera kuthana ndi zolipira zatsopano kapena kutenga ngongole zina,” akufotokoza Luan Correia, katswiri wamkulu wa Unicred pa maphunziro a zachuma.
Katswiri wa zachuma Ione Amorim akutsindika kuti pulogalamuyi ikhoza kukhala yoopsa kwa ogula chifukwa imayang’ana kwambiri chizindikiro cha vuto osati chiyambi chake.
“Anthu amakambirana mwachindunji ndi mabanki. Nthawi zambiri amakhala ndi obwereketsa angapo, amalandira zopereka zosiyanasiyana ndipo ayenera kusankha njira yabwino kwambiri. Kodi anakonzekeretsedwa liti pa zimenezi? Kodi analandira maphunziro ofunikira a zachuma? Njira imeneyi yothanirana ndi ngongole si yothandiza,” akufunsa katswiriyu, yemwenso amatsogolera Idec (Bungwe la ku Brazil Loteteza Ogula).
Zovuta pa Kasamalidwe ka Zachuma ndi Kufunika kwa Maphunziro
Chifukwa cha kusowa kwa luso lothana ndi zachuma, ogula ambiri akamachita nawo mapulogalamu ngati Desenrola, saunika bwino zomwe zaperekedwa ndipo, pokakamizidwa ndi zosowa, amavomereza mawu omwe si opindulitsa.
“Posachedwapa, ndinathana ndi mlandu wokhudza Desenrola: munthu wina anali ndi ngongole ya R$ 3 zikwi. Zoperekazo zinali zolipira magawo 96 a R$ 187. Pafupifupi R$ 18 zikwi. Zaka zisanu ndi zitatu akulipira ndalama yokwera kasanu ndi kamodzi kungoti gawo lililonse linali “losavuta kulipira”. Akanatha kudikira gawo lotsatira la pulogalamuyi kapena kuwunika bwino zoperekazo, koma chifukwa chosakonzekera, analowereranso m’ngongole zambiri,” akutero Ione Amorim.
Pachifukwa chimenechi, katswiriyu wa zachuma amalimbikitsa maphunziro a zachuma kwa omwe amapereka ngongole. “Ambiri pamsika amapereka ngongole ndiponso kukonzanso mapangano a ngongole m’njira yokokomeza komanso yopondereza. Ubale ndi kasitomala umachitikabe kudzera mu kudalira ngongole kosalekeza: kasitomala amalowa m’ngongole mopitirira muyeso, amakumana ndi mavuto azachuma ndipo amakonzanso ngongoleyo. Nthawi zina, samatha kulipira ngongole yonse,” akudzudzula.
Zotsatsa
Malinga ndi iye, ubalewo uyenera kukhazikitsidwa m’nthawi yochepa. “Gwiritsani ntchito ngongole, lipirani ngongole yanu ndipo khalani okonzeka kupemphanso ngongole. Wolipira wabwino weniweni ndi amene amayamba n’kumaliza malipiro ake,” akutero Amorim.
Pulogalamu ya maphunziro a zachuma ingathandize Desenrola Brasil
Malinga ndi Unduna wa Zachuma, Desenrola idzakhala ndi kosi ya maphunziro a zachuma, yolunjika kwa anthu omwe amalandira ndalama zochepa mu September.
“Kosi imeneyi ndi yofunika kwambiri kuti omwe apindula ndi pulogalamuyi amvetse mmene angapewere zochitika zatsopano za ngongole komanso zoletsa ngongole,” undunawu ukunena m’chidziwitso, osafotokoza mwatsatanetsatane zomwe zili m’kosiyi kapena mmene anthu angaipezere.
Undunawu ukunena kuti Desenrola “imapereka njira yosankhira kukonzanso ndalama za ngongole, zomwe zimapangitsa kukambirananso za ngongole kukhala kowonekera kwambiri komanso kukulitsa kumvetsetsa kwa wogwiritsa ntchito za mmene chuma chake chilili. Njirayi imayimiranso mtundu wa maphunziro, pamene munthu akumvetsa bwino njirayo ndi kukonzanso mmene chuma chake chilili”.
Ngakhale pulogalamuyi ikuyang’ana makamaka gulu la anthu omwe amalandira ndalama zochepa, n’kulakwa kuganiza kuti anthu osauka okha ndi amene amakumana ndi kusowa kwa maphunziro a zachuma.
“Kungoyang’ana kuchuluka kwa mapangano mu Desenrola pa gawo lino n’kokwanira: anthu omwe amalandira mpaka R$ 20 mil ndipo komabe amakumana ndi ngongole chifukwa chosayang’anira bwino chuma chawo,” akutsindika Correia, wa ku Unicred.
Ndikofunikira kunena kuti, pakati pa anthu ovutika kwambiri, kusalingana pamagawo osiyanasiyana kumakhudza kwambiri bajeti. “Ulova, mavuto a zaumoyo komanso kusowa kwa mwayi wopezeka kwa anthu ambiri zimakhudzanso,” akutero Senna.
Kodi kukhala ndi ngongole ndi chinthu choipa?
Werenganinso: Real Digital: Maboma Akuwunika Zosintha pa Malipiro a Mapindu. Dziwani zambiri!
Kukhala ndi ngongole pakokha si chinthu choipa. Nthawi zambiri, ngongole ingakhale chida chokwaniritsira cholinga, monga kugula nyumba kapena kuyika ndalama pa maphunziro. Chofunikira ndi kudziwa kuyendetsa ngongoleyo moyenera, kuti isasanduke vuto lalikulu.
“Chabwino n’chakuti ngongole isapitirire 30% ya ndalama zimene munthu amalandira mwezi uliwonse. Ikapitirira pamenepo, zinthu zingalephere kuyendeka,” akuchenjeza Correia.
“Kumbali ina, ngongole zotengedwa chifukwa cha kugula zinthu mopambanitsa, popanda cholinga chodziwika, n’zovulaza. Ndikofunikira kumvetsa kusiyana pakati pa kufuna ndi kusowa,” akumaliza Senna.
