Kunezinhlelo eziyi-12 esicelweni esi-1 esisodwa: Imali Engenayo Egxilile kanye Nemali Engenayo Eguquguqukayo, Nenzalo Ehlanganisiwe kanye Nokulungiswa Kokwehla Kwamanani Amanani - Umehluko Obalulekile walolu hlelo lokusebenza - ukuze wazi Inzuzo Yangempela Etshalweni lwakho; Inzalo Elinganayo - YaseBrazil NaseMelika - Izinzuzo Nokulahlekelwa Emakethe Yezezimali (I-Drawndown and Runup), Ukubalwa Kwesikhumbuzo Seminyaka Nemicimbi, Isibali Sosuku, Nezikhawu phakathi Kwezinsuku Nokwengezwa kanye Nokukhishwa Kwezikhathi kanye Nesizindalwazi esinamandla sokulondoloza izibalo ozifunayo, ukuze kuqhathaniswe, ukuhlaziya kanye nemibuzo - konke kuhlelo lokusebenza olulodwa - okwenziwe ngesipiliyoni seminyaka engaphezu kwengu-30 ku-Banking Market kanye nezindlela zesimanjemanje zokuthuthukisa i-Android: Ulimi lohlelo lwe-Kotlin kanye Nesizindalwazi se-Room-SQLite.
Lezi zinhlelo zingamathuluzi okuthi, uma esetshenziswa kahle, angakusiza ukuthi uphathe Imali yakho kangcono futhi wandise Iholo lakho. Lokhu kungenziwa ngezinqubo ezi-2: eyokuqala ihlanganisa, ngoHlelo Lwezitolimende Zenzalo, ukubona ukuthi empeleni ukhokha inzalo engakanani. Ngikholwe, kungaphezu kwalokho okucabangayo. Lokhu kuzokusiza ukuthi uhlele kabusha indlela othenga ngayo futhi ukhokhe inzalo encane - futhi uyeke nokukhokha inzalo esikhathini esizayo. Lena Imali ethe xaxa Ku-akhawunti Yakho, izinsiza ezengeziwe okufanele zitshalwe. Inqubo yesibili ihlanganisa ukutshala imali yakho kangcono, njengoba abantu baseBrazil bekhokha inzalo enkulu futhi bathola inzalo ephansi - bangabatshalizimali ababi. Ufuna ubufakazi? Ibhalansi ye-akhawunti yokonga, ngoSepthemba 2023, yayingamabhiliyoni angama-968, ngenani lika-7.76% - kuyilapho i-LCA ekhokha u-90% we-CDI iku-11.83%, cishe ngo-4% ngaphezulu, noma okungukuthi: 38.72 billion amaBrazilians abanama-akhawunti abo okulondoloza bayalahlekelwa (zombili izimali ezitshaliwe azikhokhi intela engenayo). Ingabe kubukeka kubi? Kubi kakhulu: ukwehla kwamandla emali okucatshangelwayo ngo-2023 kungama-4.92%. Ngakho-ke, inzuzo yangempela evela ekongeni izoba ngu-7.76% - 4.92% = 2.84% futhi inzuzo yangempela evela ku-LCA izoba ngu-11.83% - 4.92% = 6.91%. I-LCA 6.91% X 2.84% Ukonga. Iholo Eligxilile kanye Nezinhlelo Zokuthola Imali Eguquguqukayo zizoba usizo kakhulu kulezi zinqubo.
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Jul 2, 2025