Savings Funds: Contribution No Risk.

Kufambira mberi pakuunganidza kune chinhu chinokosha chevanhu. Kazhinji chiyero chekugadzirisa chikamu chekuwana mari yomunhu akapiwa kubva kune zvakasiyana-siyana kwemakore matatu kusvika 1 gore. Maererano nesayenzi yezvemagariro evanhu, mune zvematongerwo enyika kune vanenge 200 (!) Mapoka emagariro evanhu akasiyana-siyana ane zvido zvavo. Muchidimbu, kuponesa mari kuburikidza nemupiro pasina njodzi kunogona kuva nekuda kwezvinangwa zvakasiyana. Kune vanhu vanoomerera kune tsika dzechimiro zvinoenderana nemutengi wevashambadziri, inogona kuva yemuchato unoshamisa, yekutanga kutora chikwereti paimba, kutenga motokari inodhura. Kune dzimwe nharaunda dzevanhu - rwendo rukuru, kutenga nzvimbo kunze kweguta, kushandisa mari pane zvimwe zvinhu (motokari, chikepe, ndege uye zvimwewo).

Nzira iyo iri nyore yekudzivirira mari ndeyekuzadzisa bhadha yemari. Tinogona kutaura kuti iyi ndiyo mari isina mari, sezvo nyika yakachengetedzwa inochengetedza kuchengetedzwa kwemari kusvika ku 700 000 rubles (muRussia - the Deposit Insurance Agency), iyo ibhizinesi rimwe nerimwe rine cheisi inoderedza zvigadziro. Iko kusakosha kukuru kworudzi urwu rwekuchengetera iri mubhadharo wechidiki (kusvika kusvika 12%), sezvo mari iri kuramba ichiderera. Saka avo vanofunga nezvekuunganidza vanofanira kuyeuka kuti kutengesa kwechokwadi muRussia muna 2012 kwakaenzana ne15%!

Zvimwe zvipi zvebasa rebhandi rekubhengisa (muchokwadi, mupiro pasina pangozi) mumunhu asina ruzivo rwakakosha, zvishoma. Ngatitaurire kuti inogona kunge iri mari yemvura, asi mushure mekuda kwema cataclysms weUnited States kana yeEuropean Economic Economy, izvi zvinokuvadza zvakakwana. Imwe nzira ndeyegoridhe, asi zviri pamutemo (kuburikidza neSberbank) inogona kungotengwa zvakanyanya kupfuura zvinyorwa.

Zvisinei, kune nzira yekubuda-yekutsvaga mune zvishoma nezvishoma kuwedzera mamiriro ehupfumi hweRussia - microcrediting nekugadzirwa kwemari yemari. Mushure mezvose, "alpha uye omega" yehupfumi hwedu huri mafuta, uye mumakore anotevera, maererano nehutano hwezvenyanzvi, mutengo wemari weiyo isingadzokizve zvidzidzo icharamba yakafanana kana kuwedzera. Somugumisiro, kupera kwemari muRussia kuchaenderera mberi. Nokudaro, basa revatengi rehuwandu richagara rakakwirira, uye sangano rezvemari richabudirira.

Izvo zvinogona kuiswa mune zvemabhizimisi izvi zvinopiwa neMetropolitan Finance Corporation, boka remakambani, kusanganisira sangano rekusungirirwa kwemari MFO-Banking, muvambi weimba yebhajami "ASK", kambani yekufambisa "EstKlab Rus". Mari yacho inotengeswa mukudzoka kwemapurojekiti chaiwo (pane kugadziriswa kubva kuCentral Bank pamutengo wepamusoro wekugadzirisa, sezvo mabhizimisi emabhizimisi anowanzoita), saka zvipo zvekugadzirisa zvinokwana 17% pagore zvinopiwa. Saka iwe unogona kutaura kuti uyu mupiro nechipo. Mari yechikwereti uye dzimba dzisina mari dzichagara dzichitsvaga! Mukuwedzera, Metropolitan Finance Corporation yakagadzirirwa kugadziriswa kwekutenga dzimba dzakapedzwa muLCD huru kuMoscow kana pedyo neMoscow kumaruwa.