Mmene Mungadzitetezere Kwa Anthu Oba Mwachinyengo

ANTHU ena amanena kuti, “Munthu wokhulupirika sungam’bere.” Mofanana ndi zonena zambiri za anthu, zimenezo si zoona. Tsiku lililonse anthu okhulupirika amaberedwa mwachinyengo, kusonyeza kuti kukhulupirika pakokha sikumawateteza. Pali anthu enaake anzeru kwambiri padziko lapansi pano amene amakhala otanganidwa kukonza njira zobera anthu ndalama. Zaka pafupifupi 100 zapitazo, wolemba wina anati: “Anthu ena oba mwachinyengo amachita zinthu mwaluso kwambiri moti zimakhala zovuta kwambiri kuti munthu asapusitsidwe.”

Chinyengo chinayamba kalekale, ndipo chinayambira m’munda wa Edene. (Genesis 3:1-5) Njira zakale zobera anthu zilipo zamitundumitundu ndipo njira zatsopano zikupangidwa nthaŵi zonse. Choncho, kodi mungadziteteze bwanji? Simufunika kuphunzira njira zonse zimene anthu amagwiritsa ntchito kuti abe mwachinyengo. Kudziŵa zinthu zingapo zofunika kungakuthandizeni kwambiri kuti asakubereni mwachinyengo.

Sungani Bwino Chilichonse Chonena za Inuyo

Munthu akakuberani buku lanu lamacheke kapena makadi ogulira zinthu pangongole, akhoza kuzigwiritsa ntchito pogula zinthu. Ngati aba zinthu zokhudza akaunti yanu ya kubanki, akhoza kuyamba kulemba macheke ndi kuwagwiritsa ntchito m’dzina lanu. Ngati wadziŵa zinthu zokwanira za inuyo, akhoza kuyamba kumanamizira kuti iyeyo ndi inuyo. Zimenezi zikachitika, munthu wakubayo angakatenge ndalama zanu ku banki, angalipire zinthu ndi khadi lanu logulira zinthu pangongole, ndipo angatenge ngongole m’dzina lanu. * Mwina mpaka mungamangidwe kumene chifukwa cha mlandu umene simunapalamule ndinu!

 Kuti mudziteteze ku chinyengo choterechi, muzisamala zikalata zonse zonena za inuyo, monga lisiti losonyeza mmene ndalama zanu zikuyendera kubanki ndi mabuku anu amacheke, laisensi ya galimoto, ndi pasipoti. Kanani kuuza ena zinthu zokhudza inuyo kapena zokhudza ndalama zanu pokhapokha ngati pali chifukwa choyenera chimene ayenera kudziŵira zimenezo. Muyenera kuchita zimenezi makamaka ndi manambala a makadi ogulira zinthu pangongole ndiponso chilichonse chokhudza akaunti yanu ya kubanki. Nthaŵi yokhayo imene muyenera kuuza munthu wina nambala ya khadi lanu logulira zinthu pangongole ndi pamene mukufuna kugula chinthu pangongole.

Anthu oba mwachinyengo ena amafunafuna m’madzala a zinyalala kuti apeze zinthu zimenezi. M’malo mongotaya mapepala amene palembedwa zinthu zokhudza inuyo, n’chinthu chanzeru kuwaotcha kapena kuwang’ambang’amba. Muyeneranso kuchita chimodzimodzi ndi zinthu zotha ntchito monga macheke, malisiti a kubanki ndi ochokera ku misika yogulitsa makampani komanso makadi ogulira zinthu pangongole, malaisensi a galimoto, ndiponso mapasipoti akutha. N’chinthunso chanzeru kung’ambang’amba kapena kuwotcha mafomu ofunsira makadi ogulira zinthu pangongole amene akutumizirani musanawaitanitse, chifukwa pa mafomu ameneŵa pangakhale zinthu zokhudza inuyo zimene munthu wina angazigwiritse ntchito pokuberani mwachinyengo.

M’pofunika Kuganiza Bwino

Anthu ambiri oba mwachinyengo amalonjeza kuti mupeza phindu lalikulu kwambiri loti munthu sangaliyembekezere pa bizinesi inayake. Njira imodzi yachinyengo imene anthu ofuna kulemera msanga amagwiritsa ntchito ndiyo bizinesi ya anthu ambiri imene anthu amapereka ndalama kuti aloŵe nawo m’bizinesiyo ndipo amakopa anthu ena kuti nawonso achite nawo bizinesiyo. Ngakhale kuti njira yobera anthu mwachinyengo imeneyi imasiyanasiyana, njira yofala ndi yakuti anthu amene apereka ndalama zochitira bizinesiwo amakopa anthu ena, ndipo akatero amapatsidwa kangachepe. Nthaŵi zambiri mabizinesi ameneŵa sapanga katundu aliyense. Njira ina yofanana ndi imeneyi ndi makalata amene munthu akalandira amayenera kutumiza kwa anthu ena ambirimbiri. Amakupemphani kuti mutumize ndalama kwa anthu amene mayina awo ali pamwamba pa mndandanda wa mayina amene ali pakalatayo. Amakulonjezani kuti mudzalandira ndalama zambiri dzina lanu likadzafika pamwamba pa mndandandawo.

Mabizinesi a anthu ambiri nthaŵi zonse amaloŵa pansi chifukwa n’zosatheka kumangolembabe anthu atsopano kuti achite nawo bizinesiyo. Taganizirani masamu ake mmene amayendera. Anthu 5 akayambitsa bizinesi ndipo munthu aliyense akalemba anthu ena 5, anthu atsopano amakwana 25. Aliyense wa anthu atsopanoŵa akalemba anthu ena 5, ndiye kuti anthu atsopanowo akwana 125. Anthu atsopano akamachulukirachulukira, anthu olembedwa atsopano angathe kukwana pafupifupi 2 miliyoni ndipo anthu ameneŵa ayenera kudzalemba anthu ena atsopano 9 miliyoni! Anthu oyambitsa mabizinesi a anthu ambiri amadziŵa kuti anthu amene angaloŵe nawo bizinesiyo ali m’polekezera pake. Akazindikira kuti atsala pang’ono kufika polekezera paja, amatenga ndalama  zija n’kuthaŵa nazo. Mungathe kuluza ndalama zanu ndipo anthu amene munalemba aja angayambe kukuvutitsani kuti muwabwezere ndalama zawo. Dziŵani kuti, kuti inuyo mupange ndalama m’bizinesi ya anthu ambiri yotereyi, winawake amayenera kuluza ndalama zake.

Kodi munthu winawake akukuuzani kuti mungathe kupeza ndalama mosavutikira kapena kupeza phindu lalikulu pa bizinesi inayake? Chenjezo n’lakuti: Ngati zimene akukuuzani zikuoneka kuti n’zosatheka kuchitikadi, nthaŵi zambiri zimakhala zosathekadi. Musapupulume kukhulupirira zimene amanena otsatsa malonda kapena anthu amene amati anapindula nazodi, ndipo musaganize kuti, “Izi zokha zikuoneka kuti n’zamtundu wina.” Kumbukirani kuti anthu akamachita bizinesi cholinga chawo si kupatsa anthu ndalama kapena kuulula zinsinsi za mmene mungalemerere. Ngati munthu wina akunena kuti akudziŵa zinthu zinazake zapadera zimene zingakulemeretseni, yambani mwadzifunsa kuti: ‘Bwanji sakugwiritsa ntchito zimene akudziŵazo kudzilemeretsa yekha? Bwanji akutaya nthaŵi yake kuyesera kundikopa ineyo?’

Bwanji ngati mwauzidwa kuti mwapambana pa mpikisano kapena mwapata mphoto? Musatengeke, akhoza kukhala akufuna kukuberani mwachinyengo, ndipo chinyengo chimenechi chapweteketsa anthu ambiri. Mwachitsanzo, mayi wina ku England analandira kalata yochokera ku Canada yomuuza kuti wapata mphoto koma akufunika kuti atumize ndalama zokwana madola 25 kuti akonzere zonse zokhudza mphotoyo. Atatumiza ndalamazo, analandira foni yochokera ku Canada yomuuza kuti wapata mphoto yachitatu pa mpikisano ndipo wapeza ndalama zokwana madola 245,000 koma akufunika kutumiza ndalama zina kuti akonzerenso zina ndi zina asanamutumizire mphotoyo. Anatumiza ndalama zokwana madola 2,450 koma sanalandire chilichonse. Akakuuzani kuti mukufunika kulipira kuti mulandire “mphatso yaulere” kapena mphoto, ndiye kuti ndi njira yofuna kukuberani mwachinyengo. Muzidzifunsa kuti, ‘Kodi zatheka bwanji kuti ndapambana pa mpikisano umene sindinaloŵe nawo?’

Muzichita Bizinesi ndi Anthu Odalirika Okha

Kodi mukuganiza kuti mungathe kudziŵa kuti munthu ndi wosakhulupirika? Chenjerani! Anthu oba mwachinyengo amadziŵa zoyenera kuchita kuti anthu aziwadalira. Ndi aluso pa nkhani yopusitsa anthu kuti aziwakhulupirira. Anthu ogulitsa malonda, okhulupirika ndi osakhulupirika omwe, amadziŵa kuti usanagulitse malonda uyenera kuchititsa anthuwo kukukhulupirira. Zimenezi sizikutanthauza kuti muyenera kukayikira munthu aliyense, koma kukayikira pang’ono n’kofunika kuti mudziteteze kwa anthu oba mwachinyengo. Pofuna kudziŵa ngati munthu ali wachilungamo kapena ayi, m’malo mongodalira mmene mukumuonera munthuyo, onani zizindikiro ziŵiri izi zimene  anthu oba mwachinyengo ambiri amachita: Choyamba, kodi zimene akukuuzanizo zikumveka zosatheka kuchitikadi, ndipo chachiŵiri, kodi munthuyo akukufulumizitsani kuti muchitepo kanthu msangamsanga?

Pa Intaneti pali anthu ambiri amene amanena zinthu zooneka kuti n’zosatheka kuchitikadi. Ngakhale kuti pa Intaneti pamapezeka zinthu zambiri zothandiza, pamaperekanso mwayi kwa anthu akuba kuti abere anthu mwachangu ndiponso popanda kuululika. Kodi muli ndi njira yolemberana makalata ndi anthu ena pa Intaneti? Ngati muli nayo, mukhoza kumalandira mauthenga okutsatsani malonda amene simunaitanitse. Ngakhale kuti pa Intaneti pali malonda kutapa kutaya, ambiri amakhala achinyengo. Mukayankha uthenga wa pa Intaneti wokutsatsani malonda amene simunaitanitse n’kutumiza ndalama kuti akutumizireni chinthu chinachake kapena akugwirireni ntchito inayake, n’kutheka kuti simungalandire chilichonse. Ngakhale atakutumizirani chinachake, mosakayikira chingakhale chosagwirizana n’komwe ndi mtengo umene mwalipirawo. Malangizo abwino ndi akuti: Musamagule chilichonse chimene akutsatsani m’njira imeneyi chimene simunaitanitse.

N’chimodzimodzinso ndi anthu amene amakuimbirani foni kuti akugulitseni chinachake. Ngakhale kuti mabizinesi achilungamo amaimba mafoni ambirimbiri pogulitsa katundu wawo, palinso anthu oba mwachinyengo ambirimbiri amene amabera anthu ndalama zokwana madola mabiliyoni ambiri chaka chilichonse pogwiritsa ntchito foni. Palibe njira yodziŵira ngati malondawo ali achilungamodi mwa kungolankhula ndi munthu pa foni. Munthu wakuba akhoza kunamizira kuti ndi woimira banki inayake kapena bungwe loteteza anthu amene amagwiritsa ntchito makadi ogulira zinthu pa ngongole. Muyenera kudabwa nazo ngati munthu akukuimbirani foni kuchokera ku banki kapena kampani imene mumasungako ndalama kukufunsani zinthu zimene ayenera kukhala akuzidziŵa kale. Ngati zimenezi zitachitika, mungafunse munthuyo kuti akupatseni nambala yake ya foni. Ndiyeno mumuimbirenso mutafufuza n’kupeza kuti nambalayodi ndi ya banki kapena kampaniyo.

Mfundo yabwino kutsatira ndiyo kusapereka nambala ya khadi lanu logulira zinthu pa ngongole kapena chilichonse chokhudza inuyo kwa munthu wachilendo amene wakuimbirani foni. Ngati winawake wakuimbirani foni kukugulitsani chinthu chimene simukuchifuna, mungamuuze mwaulemu kuti, “Pepani, sindichita malonda pafoni ndi anthu amene sindikuwadziŵa.” Ndiyeno muidule foniyo. Palibe chifukwa choti mutaye nthaŵi polankhula ndi munthu amene mwina akufuna kukuberani mwachinyengo.

Muzichita zamalonda ndi makampani ndi anthu odalirika okha. Pali makampani ambiri odziŵika bwino amene mungachite nawo malonda pa foni kapena pa Intaneti popanda kuopa kuti akuberani. Ngati zingatheke, muzimufufuza munthu amene akukutsatsani malondayo, kampani yake, ndi bizinesi yake kudzera mu bungwe lina losaimira kampaniyo. Pemphani kuti akupatseni zimene akudziŵa zokhudza bizinesiyo, ndipo muziŵerenge mwachifatse kuti mutsimikize kuti bizinesiyo ndi yachilungamo. Asakufulumizitseni kapena kukukakamizani kuti muchitepo kanthu mwamsanga.

Zilembeni Papepala

Sikuti kuba mwachinyengo kumayamba ndi chinyengo nthaŵi zonse ayi. Bizinesi yachilungamo ikhoza kusokonekera. Zimenezi zikachitika,  anthu amene akuyendetsa bizinesiyo akhoza kuchita zachinyengo kuti apeze ndalama zimene zawonongekazo. Mosakayikira munamvapo za akuluakulu a makampani amene anauza anthu mabodza okhudza ndalama zimene bizinesiyo imapanga ndiponso phindu limene amapeza ndiyeno bizinesiyo itagwa anathaŵa ndi ndalama zotsalazo.

Kuti mudziteteze kwa anthu oba mwachinyengo ndiponso kuti pasakhale kusamvetsetsana, muyenera kulemba mfundo zonse papepala musanapereke ndalama zochitira bizinesi iliyonse yaikulu. Pa pangano lililonse limene mwasayina payenera kulembedwa mfundo zonse za mmene bizinesiyo idzayendere ndiponso zinthu zonse zimene mwalonjezana. Mudziŵenso kuti ngakhale bizinesi itaoneka yabwino chotani, palibe amene angatsimikize kuti zinthu zidzayenda monga momwe mwazikonzera. (Mlaliki 9:11) Ndipo palibe bizinesi imene singasokonekere. Choncho mukamagwirizana zochita muyenera kulemba papepala zimene aliyense adzachite bizinesiyo itati yagwa.

Mukadziŵa ndi kugwiritsa ntchito mfundo zofunika zimene tafotokoza mwachidulezi, mudzachititsa kuti kukhale kovuta kwa munthu kukuberani mwachinyengo. Mwambi wakale wa m’Baibulo uli ndi malangizo abwino kwambiri. Umati: “Wachibwana akhulupirira mawu onse; koma wochenjera asamalira mayendedwe ake.” (Miyambo 14:15) Munthu woba mwachinyengo amasankha anthu osavuta kuwapusitsa, amene amangokhulupirira zilizonse zimene akuwauza. Koma n’zomvetsa chisoni kuti pali anthu ambiri amene sadziteteza mwanjira iliyonse kwa anthu oba mwachinyengo.

[Mawu a M’munsi]

[Mawu Otsindika patsamba 7]

Ngati zimene akukuuzani zikuoneka kuti n’zosatheka kuchitikadi, nthaŵi zambiri zimakhala zosathekadi

[Bokosi/Chithunzi patsamba 6]

Malangizo kwa Anthu Oberedwa Mwachinyengo

Anthu amene aberedwa mwachinyengo nthaŵi zambiri amachita manyazi, amadziimba mlandu, ndipo amadzipsera mtima. Musadziimbe mlandu. Inuyo si wolakwa; wolakwa ndi munthu amene wakuberaniyo. Ngati munalakwitsa penapake, vomerezani ndipo musalole kuti zimene zachitikazo zidodometse moyo wanu. Musaganize kuti ndinu wopusa. Kumbukirani kuti anthu oba mwachinyengo amatha kubera anthu anzeru kwambiri monga mapulezidenti a mayiko, mamanijala a mabanki, akuluakulu a makampani, anthu odziŵa zachuma, maloya, ndi ena.

Anthu amene aberedwa mwachinyengo amakhala atawabera ndalama kapena katundu ndiyeno amayamba kudzikayikira ndipo ulemu wawo umachoka. Akaberedwa mwachinyengo ndi munthu amene amaganiza kuti ndi mnzawo, amamva chisoni kwambiri chifukwa chokhumudwa ndi munthu amene ankamudalira. Kuberedwa mwachinyengo kumapweteka kwambiri. Choncho dziŵani kuti pamapita nthaŵi yaitali ndithu chisoni chanu chisanathe. Zimathandizanso kuuza nkhaniyi munthu amene mungamuululire zakukhosi. Kupemphera kungakulimbikitseninso kwambiri. (Afilipi 4:6-8) Koma zindikirani kuti pakapita nthaŵi, muyenera kuiwala nkhani imeneyi. Kodi pali phindu lanji kumangoganizirabe zinthu zopwetekazo? Khalani ndi zolinga zimene mukufuna kukwaniritsa, ndipo chitani khama kuti muzikwaniritse.

Musamale ndi anthu ena oba mwachinyengo amene amanena kuti akufuna kukuthandizani kupeza ndalama zobedwazo. Anthu akuba amaimbira foni munthu amene waberedwa kumuuza kuti amuthandiza kupeza ndalama zobedwazo. Cholinga chawo n’choti am’berenso munthu uja.

[Bokosi/Chithunzi pamasamba 8, 9]

 Kubera Anthu Pochita Malonda pa Intaneti Njira Sikisi Zofala Zimene Anthu Amabera Mwachinyengo pa Intaneti

1. Mabizinesi a anthu ambiri: Nthaŵi zambiri mabizinesi ameneŵa amaoneka ngati mwayi wopezera ndalama zambiri popanda kugwira ntchito yambiri kapena kuwononga ndalama zochuluka. Pa bizinesi ina yotereyi amakulonjezani kuti akupatsani kompyuta kapena chinthu china chamagetsi ngati mupereka ndalama kuti muloŵe nawo gulu linalake la bizinesi ndiyeno n’kumakopa anthu ena kuti nawonso aloŵe nawo. Njira ina ndi kalata imene mumalandira imene anthu enanso ambirimbiri alandira yokuuzani kuti muitumizenso kwa anthu ena. Makalata ameneŵa nthaŵi zambiri amakhala oletsedwa ndi boma. Anthu ambiri amene amapereka ndalama zawo kuti achite nawo mabizinesi otereŵa amaluza ndalamazo.

2. Ntchito yogwirira panyumba: Pa chinyengo chimodzi choterechi amakuuzani kuti mungathe kupanga zinthu monga ndolo, zibangili, mphete, zidole kapena zinthu zina zosiyanasiyana. Mumawononga ndalama pogula zinthu zopangira zimenezi ndiponso mumawononga nthaŵi popanga zinthuzo, koma amadzakuuzani kuti sangagule zinthu zanuzo chifukwa sizikufikapo pamene eniakewo amafuna.

3. Zokhudza thanzi ndi kadyedwe: Pa Intaneti pali malonda ambirimbiri monga mapilisi okuthandizani kuonda popanda kuchita maseŵera olimbitsa thupi kapena kuchepetsa kudya, mankhwala ochiritsa amuna osabereka, ndi mankhwala a dazi. Potsatsa malonda ameneŵa nthaŵi zina pamakhala anthu onena kuti iwowo anagwiritsapo ntchito zinthu zimenezi ndipo zinawathandizadi. Mawu ofala amene amapezeka potsatsa malonda ameneŵa ndi monga “zimene asayansi atulukira,” “kuchiritsa modabwitsa,” “zachinsinsi,” ndi “mankhwala amakedzana.” Koma zoona zake n’zakuti, zambiri mwa zinthu zimenezi sizigwira ntchito.

4. Mwayi wochita nawo bizinesi: Pa njira yobera anthu imeneyi nthaŵi zambiri amalonjeza kuti mudzapeza phindu lalikulu kwambiri ndipo bizinesi yakeyo n’njoti singasokonekere. Njira imodzi yofala ndiyo kusunga ndalama kubanki ya kunja. Amakopa anthu kuti apereke ndalama zawo powauza kuti anthu amene aziyendetsa ndalama zawozo amachita malonda ndi mabizinesi akuluakulu otchuka ndiponso akudziŵa kayendetsedwe ka bankiyo.

5. Kuthetsa vuto la ngongole: Pa njira imeneyi amakulonjezani kuti akuthandizani kufafaniza mbiri yanu yoipa yokanika kubweza ngongole kuti muthe kupeza khadi logulira zinthu pangongole, kutenga ngongole yogulira galimoto, kapena kupeza ntchito. Ngakhale kuti amakutsimikizirani zimenezi, anthuwo sangakwaniritse zimene amalonjezazo.

6. Kupata mphoto yopita kutchuthi: Mumalandira uthenga wa pa Intaneti wokuuzani kuti mwachita mphumi ndipo mwapeza mwayi wopita kutchuthi pamtengo wotsika kwambiri. Ena amanena kuti mwachita kusankhidwa mwapadera. Dziŵani kuti uthenga womwewo ungakhale utatumizidwa kwa anthu enanso ambirimbiri ndipo malo amene mukakhalewo angakhale ndi zinthu zochepa kwambiri poyerekezera ndi zimene anakutsatsanizo.

[Mawu a Chithunzi]

Source: U.S. Federal Trade Commission

[Chithunzi patsamba 7]

Mabizinesi a anthu ambiri amagwa nthaŵi zonse

[Chithunzi patsamba 9]

Pa pangano lililonse limene mwasayina payenera kulembedwa mfundo zonse za mmene bizinesiyo idzayendere ndiponso zinthu zonse zimene mwalonjezana