Yengeniso nemibandela umthengi

Isici esiyinhloko ukuthi inquma usayizi nokwakheka funa ezimakethe umthengi, kukhona siqu imali sabantu. Factor imali njengoba kuqhathaniswa ntengo kubhekwa determinant oqondile isidingo. Ukuthi lo ubuhlobo ngesikhathi uzwakalise J. M. Keynes, owabhala ukuthi la ukuthambekela kwabantu ukwandisa izindingo zabo, futhi ngemva kwalokho, yebo, futhi ukusetshenziswa umthetho ekhethekile ngokwengqondo zokuthambekela kobuntu, okuyinto, ekugcineni, amhambise ukwandisa futhi siqu imali zalutho.

Ngomqondo onabile, inkulumo ngokuphelele engenayo hypothesis wayeke washayelwa futhi lakhiwa E. Engel. Ngokomthetho owaziwa Eyngelya, ukuthenga amaphethini kanye izindleko ingahluka kakhulu kuye ngokuthi ezingeni imali: the ephansi engenayo, kulapho it is kudliwe ukudla (izidingo zomuntu) futhi, Ngakolunye uhlangothi, ayanda engenayo, omningi walo iya ukwaneliseka "yesibili" izidingo zabantu njengokungathi into social. Ngaphandle kokuveza ukuthi, njengoba umthetho, ukukhuphuka 1% emiholweni phakathi kwabantu abampofu, ngokuvamile kubangela umthengi impendulo engaphezu asebenzayo kuka inkomba efanayo phakathi kwabacebile.

Okwazekayo, inkinga siqu kanjani oxhumene engenayo ngenzuzo kanye emakethe izimo, wafunda ikakhulukazi-aspect yethonya amandla wokuthenga we wesitjhaba inani inzuzo. Nokho, ukuxhumana engenayo kanye emakethe umthengi imikhiqizo, ngokombono wethu, kufanele kubhekwe ku kuMkhandlu, okungukuthi ngokombono indlela ehlelekile imitsetfo yekuhlatiya ubunye ukuze kwaneliswe isidingo iyona. ukuthuthukiswa ngempumelelo futhi othakazelisayo emakethe umthengi esifundeni, nokufeza ukulingana kuso ngqo exhumene ne izinyathelo wesi isimo engenayo, okuyinto yenzelwa eliletha ukuthula ezingeni wokuphila, ukwakheka isigaba phakathi abathengi, ukwandisa zabathengi isidingo, kukhuthaza ukukhiqizwa kwe izimpahla namasevisi.

yengeniso ngemcondvo komnotho ngokwesiko kuchazwa ngokuthi isizumbulu semali ukuthi umuntu uthola nganoma yisiphi isikhathi. Kodwa umnotho emakethe, le ndlela yokukhulisa kwencazelo kuyini imali izidingo siqu eziningi ukuhluzwa abalulekile. Isizathu salokhu wukuthi, okokuqala, emnothweni emakethe uqondiswa engenayo ikakhulukazi siqu ukuze uthenge izimpahla namasevisi ukudliwa siqu. Okwesibili, emnothweni emakethe noma iyiphi imali engenayo siqu kufanele unikezwe isamba ezifanele kulezi izimpahla efanayo kanye nezinsizakalo, ngoba kuphela ngaphansi kwalesi simo umuntu lukusindisile ethanda khona impahla emsebenzini.

Esikhathini isici lesifunda wengeniso labantu isici evelele ekunqumeni ekuphumeleleni kwalo ukubunjwa nokuthuthukiswa okwalandela wemakethe umthengi.

Ngekucabanga wafakazela ukuthi ngokufunwa, eziqalisa ivolumu ukunikezela kuso lisuselwa ukusebenza lepharamitha yemali engenayo, olawula labantu izidingo umthengi futhi kutholakale izinga inhlalakahle yabo.

Ekuhloleni amazinga okuphila ngokombono nomthelela wakhona ukudingeka kwezinsiza ezimakethe umthengi izimpahla namasevisi kubalulekile kungokwalabo lesifanele kulungiselelwa ukubaluleka amandla okuthenga, okuyinto kunqunywa ngokulungisa imali engenayo, kubhekelwa intengo akhawunti kanye nezenzo njengoba engenayo langempela.

Nokho, Okwamanje, isahlulelo inhloso mayelana nemingcele wangempela ukudingeka kwezinsiza sabantu kumele kube ngokusebenzisa ukwethulwa ukusebenza isakhiwo izindleko, nokuvumelana ubudlelwano babo.