Kodi Ndinu Kapolo wa Ndalama?

KODI mumadwala matenda obwera chifukwa chokondetsa ndalama? Anthu ambiri padziko lapansi akuti amadwala matendawa. Kodi matenda amenewa ndi otani?

Katswiri wofufuza za matenda a maganizo, dzina lake Roger Henderson wa ku U.K., ananena kuti anthu amene nthawi zambiri amakhala ndi nkhawa zokhudzana ndi ndalama, amadwala “matenda a ndalama.” Zizindikiro za matendawa ndi kubanika, kupweteka kwa mutu, nseru, tizilonda ta pakhungu, kusafuna kudya, kukwiyakwiya, kuchita mantha ndiponso kudandaula. Katswiriyu anati: “Anthu amene amadandaula kwambiri zandalama ndi amene amakhala ndi vutoli.”

N’zosadabwitsa kuti m’miyezi yaposachedwapa anthu ambiri ayamba kukhala ndi nkhawa zokhudza ndalama. Panopo mayiko ambiri ali pamavuto a zachuma ndipo zimenezi zikuchititsa kuti anthu ambiri achotsedwe ntchito, azisowa pokhala ndiponso asamasunge ndalama. Mabanki ndiponso makampani akuluakulu akutha ndipo ngakhale mayiko olemera kwambiri akupereka ndalama ku makampani ndiponso ku mabanki kuti asagwe. M’mayiko osauka, anthu alinso ndi nkhawa kwambiri chifukwa cha kukwera mtengo kwa zakudya ndi zinthu zinanso zofunikira pamoyo.

Anthu amapezekabe kuti ali pamavuto a zachuma ngakhale pamene chuma chikuyenda bwino. Mwachitsanzo, nyuzipepala ina ya ku South Africa, inati: “Anthu ambiri mu Africa ayamba kuwononga kwambiri ndalama, kuchita malonda achinyengo, ndiponso kukondetsa chuma.” (The Witness) Nyuzipepalayi inanena kuti zotsatira zake ndi “kuvutika maganizo, ngongole, kuwononga ndalama, kugwira ntchito mopitirira malire, kuona ngati anthu akukudyera masuku pamutu ndi nsanje.” Anthu ambiri akuti ndalama ndi zimene zikuchititsa kuti moyo wa anthu ulowe pansi mu Africa.

Mavuto a zachuma a padziko lonse asanachitike, chuma cha dziko la India chinakwera kwambiri. Magazini ina ya ku India inanena kuti mu 2007, “ndalama zimene anthu anawononga m’dzikomo zinali zochuluka kwambiri kuposa zaka zina zonse.” Komabe panthawi imeneyo, akuluakulu aboma ankaopa kuti kupita patsogolo kwa chuma kumeneko kukanachititsa zipolowe ndiponso chiwawa.

Panthawi yomweyo, ku United States, achinyamata ankawononga ndalama pogula zinthu zodula koma zosafunika kwenikweni. Komabe zimenezi sizinkawathandiza kukhala osangalala. Ofufuza ena apeza kuti kukhala ndi ndalama zambiri kumachititsa anthu kuti akhale zidakwa, azivutika maganizo ndiponso kuti aziphe. Kafukufuku wina wasonyeza kuti, ku America anthu ali ndi ndalama zambiri, ndipo ngakhale zili choncho ndi “munthu mmodzi yekha pa anthu atatu alionse” amene amanena kuti “akusangalala.”

N’chifukwa Chiyani Ena Sakukhudzidwa ndi Vutoli?

Pali anthu ambiri olemera komanso osauka amene sakhala ndi nkhawa zokhudza chuma kaya chumacho chiziyenda bwino m’dziko kapena ayi. N’chifukwa chiyani?

Anthu ena ofufuza anatulutsa lipoti losonyeza kuti “anthu ena akamachita zinthu amatengeka kwambiri ndi ndalama ndipo zimawalamulira. Zimenezi zimachititsa kuti anthuwo azikhala osasangalala komanso kuti azidwala matenda amaganizo.” Iwo ananenanso kuti: “Anthu amene amagwiritsa bwino ntchito  ndalama amakhala ndi mtendere wa mumtima ndipo sadandaula kawirikawiri. Iwo sakhala akapolo a ndalama . . . Tikuona kuti anthu amene amagwiritsa bwino ntchito ndalama zawo savutika maganizo ndipo amakhala osangalala.”

Kodi inuyo mumaziona bwanji ndalama? Kodi kusintha kwa zachuma padziko lonse kumakukhudzani bwanji? Kodi ndinu kapolo wa ndalama? Mwina mulibe zizindikiro za matenda a ndalama, komabe dziwani kuti kaya ndife olemera kapena osauka tonse timakhala ndi nkhawa ya zachuma. Mungapeze chimwemwe komanso mtendere wa mumtima ngati mutayamba kugwiritsira bwino ntchito ndalama zanu.

[Bokosi/Chithunzi patsamba 4]

Mungakhale kapolo wa ndalama ngati . . .

□ Simufuna kukambirana ndi ena za kagwiritsidwe ntchito ka ndalama chifukwa mukakambirana ndi ena mumadandaula

□ Nthawi zambiri pabanja panu mumakangana pankhani za ndalama

□ Mumagwiritsa ntchito ndalama mwachisawawa

□ Mumangokhalira kudandaula za ngongole

□ Simudziwa bwinobwino ndalama zimene mumapeza

□ Simudziwa bwinobwino ndalama zimene mumawononga

□ Simudziwa bwinobwino kuti muli ndi ngongole yambiri bwanji

□ Mabilu anu ndi ambiri kuposa mmene mumaganizira

□ Mumachedwa kulipira mabilu anu

□ Mumalipira ndalama zochepa zokha pa khadi yanu ya ngongole

□ Mumalipira mabilu ndalama zimene mumafunika kugwiritsa ntchito pa zinthu zina

□ Mumagwira ovataimu kuti mupeze ndalama zolipirira mabilu

□ Mumatenga ngongole kuti mubweze ngongole ina

□ Mumagwiritsira ntchito ndalama zimene munasunga ku banki kuti mugulire zofunika panyumba

□ Zimakuvutani kuti mwezi ufike kumapeto muli ndi ndalama

□ Mumakakamizika kuti muzipeza ndalama zambiri

□ Mumadwala ndiponso kukhala ndi zizindikiro zosonyeza kuti mukuvutika maganizo chifukwa cha ndalama

[Mawu a Chithunzi]

Zachokera m’buku lakuti: Money Sickness Syndrome, lolembedwa ndi Dr. Roger Henderson