DEMOCRACY NDI WOYERA-BOMA

Harold W. Percival

GAWO I

NDALAMA, KAPENA KUPEMBEDZA KWA DOLA

Ndikanakhala ndi ndalama! Ndalama!! Ndalama!!! Anthu osaŵerengeka apanga kulira ndi kuchonderera kumeneku ndi chikhumbo champhamvu ndi champhamvu, ndipo apyola zilakolako zawo zapanthaŵiyo ndi kulingalira za zimene akanakhala nazo ndi kuchita, ndi kukakhala, ndi ndalama—Ndalama Yamphamvuyonse.

Ndipo kodi kwenikweni ndi ndalama! Ndalama mu nthawi yamakono ino ndi khobidi lililonse kapena pepala kapena chida china chilichonse chodziwika kuti ndi ndalama zomwe zaperekedwa kuti zikambirane kapena kugwiritsidwa ntchito ngati njira yosinthira polipira mtengo womwe walandilidwa, kapena kulandilidwa ngati malipiro a mtengo woperekedwa. Ndipo chuma kapena chuma chamtundu uliwonse chimawerengedwa ngati ndalama.

Ndalama zoziziritsa kukhosi monga zotuluka m'makampani sizikuwoneka ngati zili zokondweretsa. Koma onani Ng'ombe ndi Zimbalangondo pakukwera kapena kugwa kwa msika wogulitsa! Kapena zidziwike kumene golide angatenge. Ndiye, apo ayi, anthu okoma mtima ndi akhalidwe labwino atha kung'ambana wina ndi mnzake, kuti alandire.

N’cifukwa ciani anthu amamva na kucita conco pankhani ya ndalama? Anthu amamva ndi kuchita mwanjira imeneyo chifukwa chakuti m’kati mwa chitukuko chapang’onopang’ono cha mafakitale ndi malonda, akhala akukula mosalekeza m’chikhulupiriro chakuti chipambano ndi zinthu zabwino za moyo ziyenera kuyerekezeredwa ndi ndalama; kuti opanda ndalama akhala opanda pake, ndipo sakhoza kuchita kanthu; ndi kuti ndi ndalama akhale nazo zimene akufuna, ndi kuchita monga afuna. Chikhulupiriro chimenechi chakhudza anthu amisala yandalama, ndipo chawachititsa khungu kuti asaone zinthu zabwino m’moyo. Kwa anthu okonda ndalama otere, ndalama is Wamphamvuzonse, Mulungu Wandalama.

Ndalama za Mulungu si zochokera posachedwapa. Iye sali fanizo chabe; iye ndi chinthu chamatsenga, chopangidwa ndi lingaliro la munthu m'nthawi zakale. Kupyolera mu mibadwo iye wataya kapena wapeza mphamvu molingana ndi kuyesedwa kwake ndi anthu, ndi ulemu woperekedwa kwa iye ndi ansembe ndi antchito ake. M’nthaŵi zamakono ndalama zimene Mulungu wakhala akuchulukirachulukira chifukwa cha malingaliro ndi chikhumbo ndi malingaliro a okonda ndalama ndi olambira ndalama, ndipo tsopano watsala pang’ono kukwera. Pali chomangira cha chiyanjano pakati pa olambira Mulungu wandalama. Ndi Mulungu wansanje ndi wobwezera. Imafuna patsogolo pa milungu ina yonse, ndipo imakomera anthu amene amailambira ndi malingaliro awo onse ndi chikhumbo chawo ndi maganizo awo.

Awo amene cholinga chawo m’moyo chakhala chowunjika ndalama aphunzira, ngati sanaphunzirepo kanthu kena, kuti ndalama zakhala njira yowapezera zinthu zambiri zimene anazifuna, koma kuti panthaŵi imodzimodziyo zawalepheretsa kuchita zimenezo. kuyamikira ngakhale zinthu zimene anazipeza; kuti ndalama zawo sizikanawachitira iwo zomwe iwo amakhulupirira kuti zikatero; kuti kudzipereka kwawo pakupeza ndalama kunawalepheretsa kukhala ndi zosangalatsa ndi chisomo chimene ngakhale osowa akanasangalala nacho; kuti ntchito zomwe zimaphatikizidwa ndi kusonkhanitsa ndalama zimapangitsa kukhala mbuye wosangalatsa komanso wosatopa; ndi kuti pamene munthu adzizindikira yekha kuti ndi kapolo wake, ndiye mochedwa kwambiri kuti adzitulutse m'manja mwake. Inde, kudzakhala kovuta kwa munthu amene sanaganizire mokwanira za izo kuti amvetse zenizeni; ndipo osaka ndalama sadzakhulupirira. Koma zingakhale bwino kuganizira mfundo zoona zotsatirazi zokhudza ndalama.

Ndalama zambiri kuposa zomwe munthu angagwiritse ntchito pazosowa zake zonse ndipo zopindulitsa zake zaposachedwa ndizosautsa, udindo; kukula kwake ndi kusamalidwa kukhoza kukhala cholemetsa cholemetsa.

Ndalama ndi mphamvu zake zonse zogulira sizingagule chikondi, kapena ubwenzi, kapena chikumbumtima, kapena chisangalalo. Onse amene adzifunira okha ndalama ali osauka mukhalidwe. Ndalama zilibe makhalidwe. Ndalama zilibe chikumbumtima.

Kupanga ndalama chifukwa cha kuzunzika ndi umphawi kapena ziphuphu za ena, panthawi imodzimodziyo kumapanga gehena yamaganizo kwa tsogolo la munthu.

Mwamuna akhoza kupanga ndalama, koma ndalama sizingapange mwamuna. Ndalama zimayesa khalidwe, koma sizingapange khalidwe; sichikhoza kuwonjezera kapena kuchotsa kalikonse ku khalidwe.

Mphamvu zazikulu zomwe ndalama zili nazo, zimaperekedwa kwa izo ndi munthu; ndalama zilibe mphamvu zakezake. Ndalama zilibe phindu lililonse kupatulapo mtengo woperekedwa ndi omwe amazigwiritsa ntchito kapena obwera nawo. Golide alibe mtengo weniweni wachitsulo.

Mkate ndi mtsuko wamadzi ndi zamtengo wapatali kuposa madola milioni imodzi kwa munthu amene ali ndi njala m’chipululu.

Ndalama zikhoza kupangidwa kukhala dalitso kapena temberero—ndi mmene zimagwiritsidwira ntchito.

Anthu amakhulupirira pafupifupi chilichonse ndikuchita chilichonse kuti apeze ndalama.

Anthu ena ndi amatsenga a ndalama; amapeza ndalama kwa anthu ena powauza mmene angapezere ndalama.

Anthu amene amapeza ndalama mosavuta sadziŵa kuiona kukhala yofunika. Anthu amene amadziŵa bwino kuyamikira ndalama ndi amene aphunzira kuzipeza, osati mongoyerekeza kapena kutchova juga, koma mwa kuganiza ndi kugwira ntchito molimbika.

Ndalama zimapindulitsa odziwa kuzigwiritsira ntchito, koma nthawi zambiri zimawononga ndi kuchititsa manyazi olemera.

Kumvetsa mfundo zimenezi kungathandize munthu kuti apereke mtengo wake pa ndalama.

Wolambira ndalama m’kukonda kwake chuma wayesa kupanga ndalama Wamphamvuyonse. Zoyesayesa zake zatsitsa miyezo ndi kuchepetsa kukhulupirika kwa amuna amalonda. M’zamalonda zamakono liwu la munthu siliri “limodzi monga chomangira chake,” ndipo chotero kaŵirikaŵiri onse amakayikiridwa.

Ndalama sizimasungidwanso pansi pa mwala m'chipinda chapansi pa nyumba, kapena pakati pa matabwa mu chipinda chapamwamba, kapena kukwiriridwa mumphika wachitsulo m'munda pansi pa khoma lamwala, kuti zisungidwe. Ndalama ngati ndalama kapena pepala sizisungidwa. “Amaikiridwa” m’matangadza kapena m’mabondi kapena m’nyumba kapena m’bizinesi, kumene amakula ndikukula mpaka kufika pamlingo waukulu kwambiri wosaŵerengeka ndi kusungidwa m’chipinda chapansi pa nyumba kapena m’chipinda chapamwamba kapena m’mphika wachitsulo. Koma ngakhale ndalamazo zasonkhanitsidwa zazikulu bwanji, munthu sangatsimikizire konse; mantha kapena nkhondo ingachepetse mtengo kuti usakhalenso wobisika m'dzenje la khoma la cellar.

Kungakhale kupusa kuyesa kupeputsa mtengo wa ndalama kapena kunyalanyaza zolinga zabwino zosaŵerengeka zimene ndalama zingagwiritsire ntchito. Koma ndalama zapangidwa kuti zitengere maganizo a anthu kotero kuti pafupifupi chirichonse chiyenera kukhala chamtengo wapatali malinga ndi ndalama. Pafupifupi aliyense amanyamulidwa ndikuyendetsedwa ndi ndalama za Mulungu. Iye akuwakwera iwo ndi kuwafikitsa iwo ku kusimidwa. Wapitikitsa anthu ku zododometsa, ndipo adzawathamangitsira kuchionongeko ngati sagwetsedwa, watsitsidwa paudindo wautumiki wolemekezeka ndi kuikidwa pamalo ake oyenera.

Monga malo osungiramo madzi amasungidwa kuti asungidwe ndi kugawa madzi, momwemonso malo osungira ndalama kapena mabanki amakhazikitsidwa ngati nkhokwe za ndalama, ndi kupereka ndalama mwanjira iliyonse ndi kulingalira kulikonse. Malo a ndalama ndi zoikamo kapena akachisi a mpando wachifumu, koma mpando wachifumu weniweniwo uli m'mitima ndi ubongo wa iwo omwe adalenga ndalama za Mulungu, ndi m'mitima ndi m'mitima ya iwo omwe amamuchirikiza ndi kulambira kwawo. Iye ali pamenepo ataikidwa pampando wachifumu, pamene ansembe ake ndi ogwiritsira ntchito zizindikiro zandalama zowombola amapereka ulemu kwa iye, ndipo om’pempha kupyola pa dziko lapansi amam’pempha ndipo ali ofunitsitsa kumvera malamulo a ansembe ake.

Njira yosavuta yochotsera ndalama za Mulungu ndi kutha kwapang'onopang'ono kwa ansembe ndi akalonga ndi kuti anthu amvetsetse bwino lomwe kuti ndalama ndi ndalama zokha. ndalama or pepala; kuti nkwachibwana ndi kupusa kuyesa kupanga ndalama kukhala mulungu wamatsenga kapena wamaganizo wachitsulo kapena wapepala; kuti kwenikweni, ndalama ndi kapolo wothandiza, amene sayenera kukhala mbuye. Tsopano izi zikuwoneka zophweka mokwanira, koma pamene chowonadi chake chamveka ndikumveka, ndalama zomwe Mulungu adzataya mpando wake wachifumu.

Koma bwanji za osintha ndalama, ogwira ntchito ndi onyenga! Kodi amalowa kuti? Sakwanira. Limenelo ndilo vuto. Poyesera kuti agwirizane nawo, ndalama zimasokoneza bizinesi ndi boma, ndipo zimayambitsa chisokonezo. Wogwiritsa ntchito ndalama kapena wokonda ndalama sayenera kuvutika ndi kusintha kwa ntchito; kaŵirikaŵiri amakhala munthu waluso waluso, ndipo adzapeza malo othandiza ndi olemekezeka, mwinamwake m’boma. Si bwino kuti ndalama zizipangidwa kuti zikhale bizinesi. Bizinesi iyenera kugwiritsa ntchito ndalama pochita bizinesi yake (bizinesi yandalama, kapena bizinesi yandalama) koma bizinesi isafunike kapena kulola ndalama kulamulira kapena kuyendetsa bizinesi yake. Kodi pali kusiyana kotani? Kusiyana ndiko kusiyana pakati pa khalidwe ndi ndalama. Ndalama zakhala maziko ndi kufooka kwa bizinesi.

Khalidwe liyenera kukhala maziko ndi mphamvu ya bizinesi. Bizinesi singakhale yabwino komanso yodalirika ngati idalira ndalama m'malo motengera khalidwe. Ndalama ndi chiwopsezo cha bizinesi. Bizinesi ikakhazikika pa khalidwe m'malo mwa ndalama padzakhala chidaliro m'dziko lonse lazamalonda, chifukwa khalidwe limakhazikitsidwa pa kuona mtima ndi kunena zoona. Khalidwe ndi lamphamvu komanso lodalirika kuposa banki iliyonse. Popeza kuti malonda amadalira kwambiri ngongole, ngongole iyenera kudalira khalidwe monga udindo, osati pa ndalama.

Pali njira yosavuta yochitira bizinesi popanda chisokonezo pakati pa boma ndi bizinesi, zomwe zimabweretsedwa ndi onyenga ndalama, ansembe a ndalama za Mulungu. Ubale wabwino wamalonda pakati pa boma ndi anthu ndikuti boma liyenera kukhala chitsimikizo cha anthu komanso kuti anthu akhale osungira boma. Ponena za ndalama, izi zikhoza kuchitidwa ndi munthu payekha kapena munthu wamalonda, yemwe khalidwe lake limachokera pa kukhulupirika ndi kunena zoona komanso kusunga mapangano ake, zomwe zikutanthauza udindo. Amuna otere adzadziwika ndi boma kapena adzatsimikiziridwa ndi ena omwe amadziwika. Aliyense wotero adzaika ndalama zake kuboma ndipo kuvomereza ndalama zake komanso kukhala ndi chiphaso chake chidzakhala chitsimikizo cha boma. Kutengerana ndalama kudzachitidwa kudzera ku dipatimenti ya boma. Mkhalidwe wachuma wa munthu kapena bizinesi ungakhale wolembedwa ndi boma. Ngakhale munthu amene angakhale wosaona mtima sangayerekeze kuchita chinyengo. Munthu amene analephera kulonjeza malonjezo ake kapena kupereka ziganizo zabodza zamaakaunti adzapezeka ndi kulangidwa, sangadalire bizinesi iliyonse, ndipo sipakanakhala nyumba zandalama zobwereka. Koma pokhala ndi khalidwe ndi luso ndiponso mbiri yabwino, kuphatikizapo udindo, iye akanatha kubwereka ku boma pa bizinesi iliyonse yovomerezeka.

Kungakhale ubwino wanji kusandutsa boma kukhala banki, ndi kuti mabizinesi apitilize ntchito zake zachuma kudzera m'boma, m'malo mogwiritsa ntchito mabanki anthawi zonse, monga momwe zilili pano? Pakanakhala zabwino zambiri, ndipo boma silingakhale banki. Dipatimenti imodzi ya boma ikakhala dipatimenti ya ndalama, ndipo inkakhala ndi maofesi kulikonse kumene angafunikire. Upandu pafupifupi wamtundu uliwonse umasintha ndalama ndipo umadalira ndalama, ndipo upandu waukulu umachitidwa ndi ndalama. Nyumba zamabanki zolemekezeka komanso zodalirika sizibwereketsa ndalama mwachindunji kwa zigawenga. Koma ogwirizana atha kubwereka ndalama pachikole kuti athe kulipirira milandu yayikulu kwambiri. Popanda mabanki upandu wotere uyenera kuyimitsidwa. Ogwirizanawo sakanabwereka ku dipatimenti ya ndalama m'boma kuti achite malonda osaloledwa. Ndiye kuti mabizinezi osatetezeka angachepe, ndipo mabizinesi amatsika pang'onopang'ono. Pakali pano, ndalama ndi mabanki zimalekanitsa bizinesi ndi boma. Izi zitachotsedwa, mabizinesi ndi boma zidzalumikizana ndipo zikanakhala ndi chidwi chofanana. Ndi dipatimenti yandalama, ndalama zimayikidwa pamalo ake oyenera; padzakhala chidaliro m’zamalonda, ndipo boma ndi malonda zikanayanjanitsidwa. Ndalama zikadatha pang'onopang'ono mphamvu zomwe zapatsidwa tsopano ndipo anthu sakanachita mantha ndi zam'tsogolo pokhala ndi chidaliro choyenera ndi chidaliro mwa iwo okha. Zina mwazabwino zambiri zokhala ndi bizinesi yopitilira ntchito zake zachuma kudzera mu dipatimenti yazachuma m'boma ndikuti onse omwe amasungitsa ndalama ndi mabizinesi azikhala ndi chidwi ndi kuzindikira udindo wawo pachilungamo cha boma, monga momwe alili pano pakuyendetsera ntchito. bizinesi yawo. Tsopano, m'malo momvetsetsa kuti ili ndi udindo wa chiyero ndi mphamvu ya boma, bizinesi imayesetsa kupeza mwayi wapadera kuchokera ku boma. Kuyesa kulikonse kotereku ndikugonjetsa demokalase; zimafooketsa ndipo zimakonda kunyozetsa boma ndi anthu.

Kuyang’ana m’mbuyo kuchokera m’tsogolo limenelo, pamene anthu adzawona zinthu ndi mikhalidwe moonadi monga momwe zilili, ndale zamasiku ano zidzawoneka kukhala zosaneneka. Pamenepo zidzaoneka kuti amuna amakono, monga amuna, analidi a mtima wabwino; koma kuti amuna omwewo, monga andale a zipani, amachita kwambiri ngati mimbulu ndi nkhandwe kuposa momwe amachitira anthu wamba. M’masiku ano andale—pamene chipani chilichonse cha ndale chikugwiritsira ntchito njira zonse zothekera kunyozetsa chinzake ndi kufuna kuyanjidwa ndi anthu kuti chipeze mavoti awo ndi kutenga boma—kungakhale misala kuyambitsa chipanichi. ndalama za boma. Kumeneko kungakhale kulakwa koipitsitsa kumene kungawonjezedwe ku zolakwa zambiri zopitirizabe za boma. Kenako osaka ndalama ndi akatswiri azandalama ndi ndalama Napoliyoni akanazinga dipatimenti yazachuma ija. Ayi! Palibe chamtundu wotere chomwe chingayesedwe mpaka akuluakulu aboma ndi abizinesi ozindikira awona ubwino wake ndi kufunikira kwake. Ubwino wake ungaonekere mwa kulingalira vuto la ndalama ndi ntchito zake zololeka ndi kuika ndalama pamalo ake oyenera.

Potsirizira pake padzakhala bungwe, monga dipatimenti ya ndalama za boma, pamene anthu atsimikiza kukhala ndi demokalase yeniyeni. Izi zitha kubweretsedwa ndi kudzilamulira kwa munthu payekha. Pamene aliyense ayamba kudzilamulira yekha, padzakhala kudzilamulira kwa anthu, kwa anthu kwa anthu onse. Koma awa ndi maloto! Inde, ndilo loto; koma monga loto ndi zoona. Ndipo chowonjezera chilichonse pakupanga chitukuko chomwe chimayenera kukhala chowonadi cholota chisanakhale chowonadi chomwe chili. Injini ya nthunzi, telegalafu, telefoni, magetsi, ndege, wailesi, zonse zinali maloto osati kale kwambiri; maloto aliwonse oterowo anali kunyozedwa, kunyozedwa, ndi kutsutsidwa; koma tsopano ndi zoona zenizeni. Momwemonso, loto la kugwiritsa ntchito bwino ndalama pokhudzana ndi bizinesi ndi boma lingathe ndipo m'kupita kwa nthawi lidzakhala lowona. Ndipo khalidwe liyenera kukhala lamtengo wapatali kuposa ndalama.

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