MALAWI IKUFUNIKA MAPHUNZIRO A ZA CHUMA

Kusowa kwa maphunziro a za Chuma  pakati pa a Malawi  kuli ngati kusowa kwa  Chipatso cha Mpinjipinji Mnkhalango za dziko lino.Katswiri pa nkhani za Chuma a Innocent Banda, watsindika kuti ma Phunziro a za Chuma ndi osowa ngakhale ali ofunika. “Maphunziro a za chuma ndi ofunika chifukwa ndi chimene chimapereka mphamvu kwa anthu pothetsa umphawi,kutukula dziko,kulimbikitsa chitukuko komanso kubweretsa luso ndi lutha lina”.Iye, watero.

Banda, wati maphunziro a zachuma ndiwofunika kupita kwa aliyense.”Si aliyense amene amadziwa kayendetsedwe ka Chuma kapena kagwiritsidwe ntchito ka Ndalama koyenera. Zikhoza kukhala kuti munthu ndi ophunzira zedi (kwambiri) koma adaphunzira mu gawo lina”.  Banda,wafotokoza Motero.  Katswiriyu wapereka ganizo lokuti maphunziro a za chuma adziphunzitsidwa kuyambira ku Sukulu za Pulayimale(standard 4) kukafika ku Sukulu za Ukachenjede. Iye, wati uku ndikumene Kasamalidwe(basic money management) ,kasungidwe(savings) ndi kayikizidwe (investment) ka Ndalama kangaphunzitsidwe.

Mkulu yu wanenetsa kuti ngati dziko sitinganene kuti tayika Ndalama zambiri  zophunzitsira anthu za Kasamalidwe ka za chuma. “Sitinganene kuti tayika Ndalama zambiri kwenikweni chifukwa muona kuti ndi magulu ndi ma Bungwe  ochepa amene amaphunzitsa zambiri za Chuma . A Reserve Bank amakhala ndi Maphunziro-wa kwa Sabata imodzi yokha(financial literacy week) pa Chaka. Komanso ma Bungwe ena obwereketsa Ndalama ndiomwe amaphunzitsa anthu awo mwina pokhapokha akubwereketsa Ndalama(ngongole) kuti anthu achitire Business(Geni).Pamenepa ndi pamene chidziwitso chimabwerapo”.

Pothirirapo ndemanga pa ngongole zomwe zimaperekedwa ndi   Bungwe lobwereketsa Ndalama la National Economic Employment Fund (NEEF),Banda, watchulapo mfundo zinayi  ngati kupereka kuthekera kuti anthu apeze Mpamba,Kutukula Chuma kuti anthu apeze bizinezi ,kupereka mwayi kwa aliyense kuti apeze Chùma ndi  kulimbikìtsa  Luso.   Kuti ndi zinthu zomwe ma Bungwe obwereketsa Ndalama amathandizira kutukula Chuma.

Katswiriyu watsindika kuti Maphunziro a za Chuma  akuyenera kukhala mu Chiyankhulo chimene munthu amamva ngati Sena,Kyangonde,Yao,Tumbuka ndi ziyankhulo zina za mdziko muno.Banda,wachenjeza kuti sibwino kuyamba bizinezi ndi ngongole pamene Chuma sichikuyenda bwino (pamene kwacha yagwetsedwa mphanvu) kaamba koti Ndalama  yapamwamba(interest) pokabweza Ngongole  imakwera.

Innocent Banda ,wanena kuti pamafunika kulumikizana pakatikati pa nkhani yosunga Ndalama ku Banki ndi Kuikiza mu zinthu zina . “Apa ndinene kuti kusunga Ndalama kusakule Mphanvu ndi Kuikiza mu zinthu zoyenera.Kusunga Ndalama  ku Bank nkofunika kwa kanthawi kochepa komanso uli ndi cholinga ” .Poonjezera apo , Katswiriyu wati mmene bizinezi  imayendera  zimakhudza kwambiri Chuma cha dziko kumbali ya Kakweredwe kapena katsikidwe ka mtengo wa Katundu, Chiongola dzanja(interest), Kakhazikikidwe ka Ndalama  ndi Ndondomeko za Boma. Mwachitsanzo,kuika zizindikiro za Bungwe lotolera Msonkho pa katundu.Zomwe posachedwapa  zinautsa mapiri pa chigwa pamene anthu ena anapita pa Msewu kukachita zionetsero zodana ndi mfundo yi.

Malingana ndi chiwerengero cha Bank yayikulu ya Reserve , Mzika za dziko lino zikutsalira pa maphunziro a za chuma ndi 35% zomwe sizikugwirizana ndi Maloto a Malawi 2063.