Zotsatsa
Kusankha banki yomwe imakwaniritsa zosowa zenizeni kungakhale kovuta. Izi zili choncho chifukwa anthu a m’gulu la anthu osauka nthawi zambiri amakumana ndi zopinga zopezera ntchito zachuma zachikhalidwe. Kuphatikizidwa pazachuma sikungokhala ndi akaunti ya banki. Choncho, ogwiritsa ntchito ayenera kupeza ntchito zomwe ndi zotsika mtengo, zosavuta kumvetsa ndipo, koposa zonse, zothandiza pa moyo wa tsiku ndi tsiku.
M’nkhaniyi, mabanki ena adziwika popereka ntchito zogwirizana ndi zosowa za anthu a m’gulu la anthu osauka, kuphatikizapo okhala m’madera ndi m’matauni osakhazikika, kumene kupeza ntchito za mabanki wamba nthawi zambiri kumakhala kochepa.
Kusankha banki yoyenera kungapangitse kusiyana kwakukulu. Ntchito monga kutsegula akaunti kwaulere, zolipiritsa zochepa, kupeza mosavuta kudzera mu mapulogalamu a mafoni ndi chithandizo chogwirizana ndi zosowa za m’deralo ndizofunikira. Kuphatikizanso, mapulogalamu a maphunziro azachuma ndi kupereka ngongole zazing’ono ndi zinthu zamtengo wapatali zomwe zimathandiza kulimbikitsa kudziyimira pawokha pazachuma ndi chitukuko cha zachuma. Tiyeni tifufuze mabungwe omwe akuchita bwino kwambiri pagawoli ndi chifukwa chake.
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Banki yomwe ikuchita bwino pakuphatikiza anthu pazachuma
Mwa mabanki omwe akhala akudaliridwa ndi anthu a m’magulu otsika, atatu akusiyanitsidwa: Banco do Brasil, Caixa Econômica Federal ndi Bradesco. Mabungwewa ali ndi zofanana popereka ntchito zopezeka mosavuta komanso kupezeka m’madera omwe samatumikiridwa mokwanira ndi mabanki achikhalidwe. Banco do Brasil, mwachitsanzo, amapereka pulogalamu ya “BB Cidadania”, yomwe cholinga chake ndi kulimbikitsa kuphatikizidwa kwachuma kudzera mu ntchito zoyambira zamabanki ndi maphunziro a zachuma. Caixa Econômica Federal imadziwika poyang’anira mapulogalamu a anthu komanso kupereka maakaunti ndi ntchito zokhala ndi zolipiritsa zochepa. Bradesco, kudzera mu pulogalamu ya “Bradesco Expresso”, imabweretsa ntchito zamabanki kumadera akutali, ikugwira ntchito mogwirizana ndi mabizinesi am’deralo.
Ntchito zamabanki zosinthidwa mogwirizana ndi zosowa za m’deralo
Kuphatikiza pa kupereka ntchito zofunika, ndikofunikira kuti mabanki amvetsetse ndi kulemekeza mikhalidwe ya chikhalidwe ndi chikhalidwe cha anthu mdera lililonse. Izi zikuphatikizapo kukhala ndi oimira amderalo omwe amadziwa zenizeni za anthu okhala m’deralo ndipo angapereke chithandizo chogwirizana ndi zosowa za munthu aliyense. Ukadaulo umagwiranso ntchito yofunika kwambiri, ndi mapulogalamu a mabanki omwe amalola kuchita zinthu zachuma ndi kuyang’ana ndalama zotsala mu akaunti mwachangu komanso motetezeka, popanda kufunika kopita ku nthambi ya banki. Kuphatikiza apo, mapulogalamu a ngongole zazing’ono angalimbikitse mabizinesi ang’onoang’ono, kulimbikitsa chuma cha mderalo komanso kupereka mwayi watsopano wa ntchito ndi ndalama.
Kusankha banki yoyenera ndi chisankho chomwe chingakhudze kwambiri moyo wa munthu wachuma. Kwa anthu a m’gulu la ndalama zochepa, n’kofunika kuti chisankhochi chisamangoganizira za chiwongola dzanja ndi zolipiritsa zokha, komanso kupezeka kwa ntchito, kumvetsetsa zosowa za m’deralo komanso kuthandiza pa chitukuko cha zachuma cha anthu ammudzi. Mabanki monga Banco do Brasil, Caixa Econômica Federal ndi Bradesco awonetsa kuti n’zotheka kuphatikiza ntchito zachuma zopezeka mosavuta ndi zochita zolimbikitsa kuphatikizidwa kwa anthu komanso chitukuko cha anthu. Posankha imodzi mwa mabankiwa, makasitomala sakusankha bungwe lazachuma lokha, komanso mnzake wodzipereka pa moyo wabwino ndi kupita patsogolo kwawo kwachuma.
