Iinkolodo

Isikolodo kukulokha uboleka inani elithileko lemali emuntwini nofana ebulungelweni lemali bese uzibophe bona uzoyibuyisa nini begodu bunjani. Esikhathini esiphila kiso ukwenza isikolodo sele kuyinto ejwayelekileko begodu kuyindlela yokuphilaDebt: What It Is, How It Works, Types, and Ways to Pay Back.  

 Imihlobo yeenkolodo 

 Isikolodo seentolo 
Isikolodo seentolo ngilesi osenza lokha nawenza ikharada lesitolo esithileko bese uthatha ngalo izambatho ngesikolodo bese ubhadele kancani kancani imali oyikolodako njalo ngenyanga. Nawubhadela kuhle eentolo lezi bakukhuphulela Amandla wokuthuthenga okutjho bona bakhuphula inani lesikolodo ongasenza lokha ngokuthenga izambatho isikolodohttps://legaladvice.org.za/what-happens-if-you-don-t-pay-your-clothing-account-in-south-africa/.Isikolodo sepahla sigenziwa ngunynana ngubani umuntu ongakghona ukuthi abuyisele imali yepahlal ayithetheko esitolo athenge kiso. Isitolo esinye nesinye siyasivuma bonyana abantu bathenge ipahla ngesikolodo.

 Isikolodo sepahla 
Lokha nawufuna ukuthenga ipahla yangendlini unganamali yokuthenga ngasikhathi sinye, uyakghona ukupha I diphozidi bese imali eseleko uyikhiphe kancani kancani ngenyanga. Isilokodo lesi basifaka amakonyana ngombana bakwenzele umusa bokuthi ukghone ukubhadela ngengcezu. Okumbi ngesikolodo lesi kukuthi lokha nawubhalelwa kubhadela kuhle ipahla oyithetheko abantu besitolo leso bayabuya bazokuthatha ipahla yabo.

 Isikolodo sebulungelweni lemali 
Ebulungelweni lemali ukghona ukwenza silokodo semali oyifunako ukuya ngokokuthi wena ukghola imali engangani lapho usebenza khona.Lokha nawenza isikolodo lesi kubanephepha lesivumelwano olitlikitlako elitjho bona uzokubhadela njani. Ungenza isikolodo semali ufuna ukwakha indlu, ufuna ukuthenga imodere, ufuna ukuyokubhadela iindleko zokufunda, nokwenza okhunye okuqakathekileko. Ebulungelweni lemali, imali obakoloda yona ugcina sele uyibuyisela nakonyana ngombana kibo ukuboleka umuntu imali kuyirhweboHollander, S. and Verriest, A., 2016. Bridging the gap: the design of bank loan contracts and distance. Journal of Financial Economics, 119(2), pp.399-419..

 Ubuhle bokwenza isikolodo 
Isikolodo siyakghona ukukulekelela ukghone ukufeza iindingo zakho msinya nanyana unganamali. Isikolodo singakukhupha emrarweni wemali oqalana nawo lokha nawufuna ukwenza into. Isibonelo umuntu angaboleka imali ebulungelweni lemali ukuyokubhadela ifundo yamaziko aphezulu ukuthi akghone ukuthola iziqu zakhePros and cons of debt - Economics Help. Abantu bakghona ukwenza iikolodo ukuze kuze bakghone ukuthuthukisa amaphilo wabo bese kuthi sele bacedile ukwenza njalo bese  bavala iinkolodo zabo. Ukwenza isikodo kugenye yeendlela zokulekelela abantu bakghone ukuphila nanyana banganayo imali 

 Ubumbi bokwenza isikolodo 
Lokha nawenza isikolodo ungangcina sele ubhadela imali edlula leyo gade uyibolekile. Ebulungelweni lemali bafaka amakonyana phezu kwemali leyo oyibolekileko ugcine sele ubhadala imali enengiBlanchard, O., 2019. Public debt and low interest rates. American Economic Review, 109(4), pp.1197-1229.. Abanye bagcina sele benza iiinkolodo ezinengi khulu bese bahlulwe kuzibhadela bazithole sele banegama elimbi lokungabhadeli iinkolodo.Lokha nawubuyisela imali oyiboleke ebulungelweni lemali ungagcina sele uhlala unganamali ungakghoni nokondla umndeni wakho kuhle nangebe unganabo ubuhlakani bokusebenzisa imali.

Ubumbi bokuboleka imali kukuthi lokha nawuhlulwa kusibhadela ngesikhathi isikolodo ungavela njengomuntu ongakathembeki bese bakufake encwadini enzima  ugcine sele ungasakghoni nokuboleka imali kwezinye indawo ngombana kuzokuvela kizo zoke indawo bona wena umumuntu ongakghoni ukubhadela isikolodoOpwaka, R.P. and Wanyoike, D., An Assessment of the Attitudes of Blacklisted Bank Clients on Their Bank Use: A Case of Blacklisted National Bank Clients in Nakuru.

Vancouver.Isikolodo kuyinto engamsiza omunye umuntu. Kufanele lokha anwenza isikolodo usenze wazi bona uzosibhadela njani begodu uqinisekeise bona ukghona ukuphila nasele ubhadela isikolodo. Nawenze isikolodo kufanele ubalekele ukuba negama elimbi lokungabhadeli ngokuthi ubhadele kuhle ngesikhathi isikolodo sakho.

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Category:Isikolodo
Category:Imali
Category:Ibulungelo lemali