Zviziviso
Nyanzvi dziri kuratidza kushushikana nekudzokororwa kwematambudziko ezvikwereti mushure mekugadziridzwazve kwezvikwereti. Chirongwa cheDesenrola, danho rehurumende yemubatanidzwa rekugadzirisa zvikwereti, chinogona kuzova musungo kana mamiriyoni evaBrazil vanodzoreredza kuvimbika kwavo pamusika vasingazivi kutungamirira zviwanikwa zvavo zvemari, vanodaro nyanzvi kuInfoMoney.
Mumwedzi wachakatangwa, Desenrola yakasvika paR$ 9,5 bhiriyoni muzvibvumirano zvemari, muChikamu 2 chete, umo vane zvikwereti vanogadzirisa zvikwereti zvavo zvemabhangi zvakananga nemabhangi pasi pemamiriro akasiyana, zvakaziviswa nguva pfupi yapfuura neBrazilian Federation of Banks (Febraban).
Zviziviso
Febraban inotsanangura kuti chikamu ichi chinosanganisira vatengi vane mari yavanowana pamwedzi inopfuura mihoro miviri yepasi uye iri pasi peR$ 20 zviuru, uye vasiri muCadastro Único yeHurumende Yemubatanidzwa.
Kubva musi wa17 Chikunguru kusvika musi wa18 Nyamavhuvhu, nhaurirano dzezvikwereti dzakasimbisa zvibvumirano mamiriyoni 1,5, dzichisvika kune vatengi vemabhangi vanosvika mamiriyoni 1,1. Kutora chikamu muchirongwa kuchaenderera kusvika musi wa31 Zvita.
MunaGunyana, danho rechipiri rechirongwa rinoda kubatsira vatengi vanowana mari inosvika pamihoro miviri yepasi kana kuti vari muCadastro Único. Chikamu ichi, chinoonekwa sechine mari shoma, chichawana mukana wekugadzirisa zvikwereti zvinosvika kuR$ 5 zviuru zvemarudzi akasiyana.
Mhedzisiro neMagadzirirwo eChirongwa cheDesenrola
Verengawo: Desenrola Brasil: Kutauriranwazve kweZvikwereti Kwakatangiswa neZvitoro Zvikuru
“Pakutanga, chinangwa ndechekuderedza huwandu hwevanhu vasingabhadhari zvikwereti. Zvisinei, vazhinji vanobva mukusabhadhara zvikwereti voenda muchikwereti chitsva kuburikidza nekutauriranwazve. Izvi zvinoreva kuti vanotora rimwe basa rezvemari”, anodaro Cintia Senna, nyanzvi yezvemari uye ari kuita dhigirii redhokotera paFlorida Christian University (FCU).
Nhamba dzeConfederação Nacional do Comércio de Bens, Serviços e Turismo (CNC) dzinoratidza kuti huwandu hwemhuri dzine zvikwereti muBrazil hwakadzikira zvishoma kubva pa78,5% muna Chikumi kusvika pa78,1% muna Chikunguru. Uku ndiko kuderera kwekutanga kubva muna Mbudzi 2022, uye CNC inoti Desenrola ndiyo chikonzero cheizvi.
“Pasina kuva nehutungamiri hwakanaka hwemari uye bhajeti rakarongeka, munhu uyu akagadzirisa chikwereti chake chekare angangodzokera mumamiriro mamwe chete nekuda kwekutadza kubata nezvikamu zvitsva zvekubhadhara kana kutora zvimwe zvikwereti”, anoongorora Luan Correia, nyanzvi yepamusoro yeUnicred mune dzidzo yezvemari.
Nyanzvi yezvehupfumi Ione Amorim inosimbisa kuti chirongwa ichi chinogona kuva nengozi kumutengi nekuti chinotarisa chiratidzo chedambudziko kwete kwarinobva.
“Vanhu vanotaurirana zvakananga nemabhanga. Kazhinji, vane vakweretesi vakawanda, vanogamuchira zvipo zvakasiyana uye vanofanira kusarudza nzira yakanakisisa. Vakagadzirirwa izvi riini? Vakawana gadziriro yezvemari yaidiwa here? Nzira iyi yekubata nezvikwereti haina kushanda”, inobvunza nyanzvi iyi, iyo inotungamirawo Idec (Brazilian Institute for Consumer Defense).
Matambudziko muKutarisira Mari uye Kudikanwa kweDzidzo
Nekuda kwekusava nehunyanzvi pakubata nemari, vatengi vakawanda, pavanopinda muzvirongwa zvakaita seDesenrola, havaongorori zvakanaka zvavanopiwa uye, vachimanikidzwa nezvavanoda, vanobvuma mitemo isingavabatsiri.
“Munguva pfupi yapfuura, ndakabata nyaya ine chekuita neDesenrola: munhu aiva nechikwereti cheR$ 3 zviuru. Chipo chacho chaiva kubhadhara ka96 kweR$ 187. Zvinenge R$ 18 zviuru. Makore masere achibhadhara mari yakakura kakapetwa katanhatu, nekuda kwekuti chikamu chacho chaiita sechinokwanisika. Aigona kunge akamirira chikamu chinotevera chechirongwa kana kuongorora chipo chacho zviri nani, asi nekuda kwekusagadzirira, akawedzera kuzvipinza muzvikwereti,” anodaro Ione Amorim.
Ndosaka nyanzvi yezvehupfumi ichitsigira dzidzo yezvemari kune vanopa zvikwereti. “Vazhinji vari mumusika vanopa zvikwereti uye vanoita kugadzirisazve zvikwereti nenzira inodhura zvakanyanya uye inodzvinyirira. Hukama nemutengi huchiri kuitika kuburikidza nekuenderera mberi kwekuvimba nechikwereti: mutengi anozvipinza muzvikwereti kusvika pakakwirira, anosangana nematambudziko emari uye obva agadzirisazve chikwereti. Mune dzimwe mamiriro, haambokwanisi kubhadhara chikwereti chose,” anoshoropodza.
Zviziviso
Maererano naye, hukama hwacho hunofanira kuvakwa munguva pfupi. “Shandisa chikwereti, bhadhara chikwereti chako uye ugare wakagadzirira kukumbira chimwe chikwereti. Munhu anobhadhara zvakanaka zvechokwadi ndiye anotanga uye anopedzisa kubhadhara kwake,” anodaro Amorim.
Chirongwa chedzidzo yezvemari chinogona kuwedzera kukosha kuDesenrola Brasil
Maererano neBazi rezvemari, Desenrola ichange iine kosi yedzidzo yezvemari munaGunyana, yakanangana nevanhu vane mari shoma.
“Kosi iyi yakakosha kuti avo vakabatsirwa nechirongwa vanzwisise kudzivirira zvimwe zviitiko zvekuva nezvikwereti uye kurambidzwa kuwana chikwereti”, rinodaro bazi muchiziviso, risingatsananguri zvakadzama zviri mukosi kana kuti vanhu vachakwanisa sei kuiwana.
Bazi rinoti Desenrola “inopa nzira yekusarudza kubhadharazve zvikwereti, ichiita kuti kutauriranazve nezvikwereti kuve pachena uye ichiwedzera kunzwisisa kwemushandisi nezvemamiriro ake emari. Maitiro aya anomirirawo nzira yedzidzo, sezvo munhu achizvinzwisisa uye achigadzirisa patsva mamiriro ake emari”.
Kunyange zvazvo chirongwa ichi chichinyanya kunangana neboka revanhu vane mari shoma, kukanganisa kufunga kuti varombo chete ndivo vanotarisana nekushaikwa kwedzidzo yezvemari.
“Zvakakwana kutarisa huwandu hwezvibvumirano muDesenrola padanho iri: vanhu vanowana kusvika kuR$ 20 zviuru asi vachiri kutarisana nezvikwereti nekuda kwekutadza kutarisira zviwanikwa zvavo nemazvo”, anodaro Correia, weUnicred.
Zvakakosha kusimbisa kuti, pakati pevanonyanya kushaya, kusaenzana pamatanho akasiyana kunokanganisa zvikuru bhajeti. “Kushaikwa kwemabasa, matambudziko ehutano uye kusawana mukana kwakapararira zvinokanganisawo”, anodaro Senna.
Kuva nechikwereti chinhu chakaipa here?
Verengawo: Real Digital: Hurumende Dziri Kuongorora Shanduko muKubhadharwa kweMabhenefiti. Nzwisisa!
Kuva nechikwereti pachako hakusi chinhu chakaipa. Kazhinji, chikwereti chinogona kuva chishandiso chekuzadzisa chinangwa, sekutenga imba kana kuisa mari mudzidzo. Chinhu chakakosha kuziva kubata chikwereti ichocho nenzira ine hutano, pasina kuti chishanduke kuita chikwereti chinoramba chichikura.
“Chinodiwa ndechekuti chikwereti chisapfuure 30% yemari inowanwa nemunhu pamwedzi. Kana chapfuura ipapo, mamiriro ezvinhu anogona kubuda mukutonga”, anoyambira Correia.
“Kune rumwe rutivi, zvikwereti zvinotorwa nekuda kwekushandisa mari zvisina mwero, pasina chinangwa chakajeka, zvinokuvadza. Zvakakosha kunzwisisa musiyano uri pakati pekuda nekunyatsoda”, anopedzisa Senna.
