WEBVTT

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Ngomhla wama-29 kuMatshi 2025, iKulturhaus Dornbirn ibibambe
umsitho othi "Inkululeko & Ukuzimela – Ummi onoxanduva" onegalelo

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olunomdla malunga nolawulo lomthetho, ubukhosi kunye nemali.

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Lo msitho uququzelelwe yi-Academy
for Personal Development eDornbirn.

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I-HOCH2.TV iye yarekhoda yaza yahlela zonke
iingxelo ngenxa yenu, babukeli abathandekayo.

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Namhlanje, i-Kla.TV ibonisa udliwano-ndlebe
noHansjörg Stützle malunga nokunyamalaliswa kwemali engxoweni.

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Ngoku sifika kuMnu. Hansjörg Stützle kunye
nomxholo wokulondolozwa kwemali kunye nokupheliswa kwayo.

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Ikwanxulumene ngokwemixholo, nangona kukho utshintsho oluncinci.

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Mhlekazi Stützle, mhlawumbi kuqala ndinombuzo omfutshane kuwe.

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Kwenzeka njani ukuba ube nomdla ongaka kwingxaki
yokupheliswa okanye yokugcinwa kwemali engxoweni?

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Ewe, kaloku kum kwakudala kakhulu,
ngokuqinisekileyo malunga neminyaka engama-25.

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Kwaye kuqala, ngokwembono enengqiqo, kuba
kukho abachasayo inkqubo yokuhlawula yasimahla.

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Kwaye oko ikakhulu lishishini lezemali.

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Malunga neminyaka engama-25 eyadlulayo, kwakucacile
kum ukuba lo mbandela uza kuvela ngaxesha lithile.

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Kuba imali ikubeka esichengeni isicwangciso sabo
soshishino ngendlela yokubaleka kwabantu ebhankini.

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Oku kuthetha ukuba ishishini lezemali
ngokwenene lihlala lixinzelelwe ukugcina ukuthenjwa

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luluntu kwinkqubo yemali kwinqanaba elithile.

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Ukuba oku kwehla ngaphantsi komda
othile, abemi bayaxhalaba baze baye ebhankini.

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Ufuna imali, ufuna ukuyizisa phantsi kolawulo lwakhe.

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Kwaye ke kwakha imigca, emva koko kuqhamka
isiphithiphithi ezibhankini, njalo njalo.

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Kwaye ke, ngokuqinisekileyo, kuvela ingxaki enkulu.

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Kwakucace gca kum ngelo xesha ukuba akukho
mbonakaliso yokupheliswa kwemali engxoweni.

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Kodwa ke, ngexesha lengxaki yezemali
ka-2007–2009, kwabakho umbonakaliso oqinileyo woku.

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Akukho bani na owaphawulayo,
ingakumbi ngokwalelwa kwemali engukheshi.

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Kwaye ayizange itsale umdla ongako kuba
yayichazwa ngesibizo esihle, esithi imida yemali.

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Umda wemali sele ulukwalelo lwemali engaphezulu komda othile.

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EYurophu – kulapho kwaqala khona – sinamazwe
ali-18 anokwalelwa kwemali engaphezulu komda othile.

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IGirisi, umzekelo, lilizwe elinomda
wemali ongaphantsi kakhulu we-€500 kuphela.

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Oku kuthetha ukuba ukuba uya eGrisi ngoku kwaye ufuna
ukuhlawula ityala lehotele eliyi-501 yee-euro, akukho mthethweni

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kwaye kuyohlwaywa ngumthetho ukuhlawula ngemali engxoweni.

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IGrieke sele izamile kabini
ukunciphisa umda wemali ukuya kwi-€200.

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Kodwa oko kwakungenakwenzeka kuba imali
yephepha ye-500 ye-euro iseyimali esemthethweni.

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Kwaye seso kuphela isizathu esenza singabi namda wemali ophantsi.

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Ewe, kwaye olu phuhliso ngokucacileyo alwaziwa
ngabemi abaninzi kubomi babo bemihla ngemihla.

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Ngoko abanye abantu bayamkela nje.

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Ndicinga ukuba eJamani malunga ne-10,000 ye-euro.

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Okanye yeyam leyo inkcazelo?

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Hayi, okwangoku akukho mda wemali engaphezulu
kwe-€50 kwiindawo zokuthengisela (POS) eJamani.

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Hayi nkqu needipozithi, ngoko ke ngumthwalo wokunikezela
ubungqina bokuhlantswa kwemali yerhafu nezinto ezinjalo?

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Kanye, ngoko ke abathengisi banoxanduva lokugcina
iirekhodi, kodwa ukususela ngo-2027 ukuza phambili, kuya kubakho

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umda wemali engaphezulu kwe-€10,000 kulo lonke elaseYurophu.

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Yiyo leyo isihloko.

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Amazwe asele engaphantsi kwelo nqanaba anganakho ukuligcina.

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Ungamisela umda wemali ongaphantsi
kwe-£10,000 nangaliphi na ixesha.

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Kwaye uyichaza njani into yokuba kusekho
ulwazi oluncinci kangako ngale ngxaki kule ndawo?

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Ingaba abemi abakayazi okwangoku
imingcipheko ekujongene nemali yabo?

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Ngokuqinisekileyo hayi.

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Ndisandul' ukubuya kuhambo olude kakhulu lweentetho.

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Ukususela ngoJanyuwari,
bendihamba kuphela ndinikezela ngeentetho.

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Xa ndithetha iiyure ezimbini malunga neendlela zokusebenza
zokupheliswa kwemali engxoweni, abantu abaninzi bathi:

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Bendiyazi ukuba yingxaki, kodwa
andizange ndiqonde ukuba ibangxabano kangaka.

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Kodwa xa uphulaphula iDeutsche Bundesbank,
yonke into ibonakala ilungile ngokugqibeleleyo.

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Basiqinisekisa ukuba kukho imali
eyaneleyo nokuba ukuqhubeka kwayo kukhuselekile.

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Ngokubanzi, kuthathelwa ingqalelo
kuphela oko kuthiwa kufunwa ngabantu.

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Sikulungiselele isishwankathelo esincinci.

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Ehlotyeni elidlulileyo, ndikholelwa ukuba wawungundwendwe
kwi-Südwestrundfunk, umsakazi woluntu waseJamani ongowakwa-ARD.

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Yiyo kanye leyo ibiyindaba.

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Mhlawumbi siza kuphinda sijonge ngokukhawuleza.

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Kulungile, ndinomndwendwe ofanelekileyo
kanye apha estudiyo oza kuphendula loo mbuzo.

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U-Stefan Hardt usinye nathi.

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Uyintloko yeCandelo loMbane ePhakathi eBundesbank.

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Ubusuku obuhle.

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Ubusuku obuhle.

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Nina, iBundesbank, iza kuqhubeka
ixesha elingakanani isinika imali entsha?

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Logama nje abemi befuna ukusebenzisa imali engxoweni.

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Ingaba oko kusebenza kuwo onke
amaphepha-mali, nakuzo zonke izingcango?

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Ewe, kunjalo.

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Ngokwenene, uninzi olukhulu lwabemi luthi
lufuna ukuba nokhetho lokuhlawula ngemali engxoweni.

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Loo nto imalunga nama-93 ekhulwini abemi abayifunayo.

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Kwaye ayingabo bonke abenza oko.

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Kodwa baya kuthanda ubuncinci ukuba nebhongo lokuhlawula ngemali.

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Kwaye logama nje abantu befuna ukuhlawula
ngemali engxoweni, siya kuqhubeka siyibonelela.

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Abathandi bemali ngoku bangaphefumla.

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Ndivakalisa isisindo siphakanyiswa emagxeni akho, Mnu Stützle?

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Hayi kwaphela, kuba kucacisiwe ngokucacileyo: logama
nje kukho imfuno, iDeutsche Bundesbank iza kuyigcina.

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Yiyo ke leyo ingxaki ipheleleyo.

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Ungafuna nokuchaza ukuba yintoni imfuno.

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Isilinganiso sentlawulo ngemali mayibe phezulu kangakanani?

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Ke ngoko, ekugqibeleni, kuxhomekeke kuthi thina njengabemi ukuba
sigqibe – ngaba sihlawula ngetshathi okanye ngemali engxoweni?

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Ngokwenene yile nto siyithethayo
apha malunga neentlawulo ngamakhadi.

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Ndivumelana nokupheliswa kwemali,
okanye ndivumelana nokugcinwa kwemali.

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Ngoko ke, le yingongoma ebaluleke
kakhulu ekufuneka siyithathele ingqalelo apha.

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Kwaye ngelishwa, abemi abasenayo imali engxoweni ngenxa
yokuba uqoqosho sele lutshintshe lwayengayifuni imali.

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Ngoko ke oko kuthetha ukuba ngoku kukho
abathengisi apha eJamani abala ukwamkela imali engxoweni.

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Kwaye siyazi ukuba, ngesiseko esinjalo,
imali ayinathuba lokusinda ekuhambeni kwexesha.

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Kuba uqoqosho luyagqiba ukuba thina,
njengabemi, sinethuba lokuhlawula ngemali engxoweni.

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Ewe, ndicinga ukuba ibhanki ibingabonakali
yonwabile xa ubusitsho eso sigaba sokugqibela, akunjalo?

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Ewe, ayisiyiyo kanye le nto ebeyiqonda.

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Maxa wambi ndiva ngathi iDeutsche Bundesbank
inoxanduva lokusoloko iqinisekisa abantu, ibaqinisekisa:

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Imali ikhuselekile.

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Kodwa ekugqibeleni, bayidibanisa nemfuno.

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Ndabuza umbuzo: I-Deutsche Bundesbank iqonda
ntoni ngokuthi 'demand' – kwaye akaphendulanga.

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Kukho nje indlela ethile ebandakanyekayo ekuphelisweni
kwemali engxoweni, endingathanda ukuyicacisa kancinci.

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Sikwulungiselele nomzobo woku.

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Leyo yingongoma ebaluleke kakhulu.

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Kunjalo, ezi ziko ziyayisusa imali engxoweni.

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Kwaye ndizama ukucacisa into edla ngokundithatha iiyure ezimbini.

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Ndiza kuzama oko ngemva kwemizuzu emihlanu.

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Ixesha liyaphela, kulungile.

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Ngoko ke, kwicala lasekhohlo, sibona ukuba kufuneka
kumiselwe iziseko ezingundoqo zentlawulo ezingenamali.

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Yayiyiprojekthi enkulu kakhulu
eyathatha amashumi eminyaka ukugqitywa.

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EJamani, ubuncinci, kunokuthiwa igqibelele.

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Kwaye apha e-Austria, mhlawumbi
kungekakabi kwiindlwana zasentabeni.

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Ngaphandle koko, iziseko zikhona.

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Loo nto sele igqityiwe.

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Kwicala lasekunene, sibona ukuba ukuthengisa kunye
nokuxhaswa kwesandi kwenzeka ngokwendalo ngokuthengisa.

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Kutyaliwe izibhiliyoni ekukhuthazeni iintlawulo zedijithali.

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Kwaye abantu abaninzi ekugqibeleni bangena
kule nkqubo bengacinganga kakhulu ngayo.

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Into ekwadanisayo kancinci kukuba kwaphunyezwa
naphakathi iphulo lokuthengisa elalichasene nemali.

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Ngelishwa, siqaphele oku ngexesha lobhubhane
we-coronavirus, xa kwakubekwe iimpawu ezivenkileni:

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Ngenxa yezizathu zococeko, nceda
ungahlawuli ngemali engxoweni, njl.

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Kwaye abantu abaninzi bakholelwa kuloo
nto baza ke bangena kwinkqubo yedijithali.

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Emva koko sinomxholo: ukwaliwa kwemali yelizwe.

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Lo ngumxholo onempikiswano kakhulu.

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Imali ngokwenene ifakwe emthethweni
kwimithetho emithathu enamandla kakhulu:

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Enyanisweni kuMthetho weBundesbank; ifakwe ngokusesikweni kwiSiga
se-ECB nakwiSivumelwano se-EU ngendlela yokuba inelungelo

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lokuba yimali esemthethweni kwaye kufuneka yamkelwe kurhwebo.

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Oku kwaqaliswa ngo-2010 sisindululo
seKomishoni – ngesizathu senkululeko yesivumelwano

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sokuba abathengisi banokwala imali engukheshi.

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Ngoko ke, bakuthatha ukukhululeka kwesivumelwano
kwezoshishino norhwebo njengento ebaluleke ngakumbi.

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Oku kukwangqinwe yiDeutsche Bundesbank.

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Sikwathethe ngale nto kudliwano-ndlebe.

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Oku kuyagqabhuka, kuyingozi kakhulu, kuba olu
hlalutyo luthetha ukuba ngoku yinyani yokuba

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abathengisi bavumelekile ukwala imali engukheshi.

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Oku kuthetha ukuba thina, njengabemi, asisenayo imali esandleni –
oko kukuthi, inkululeko yokuzikhethela –

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kodwa ngoku yintlangano yezomnotho egqibayo ukuba
sivunyelwe na ukuhlawula ngemali okanye hayi.

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Yinyaniso leyo.

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Emva koko sinomnye umba, oyiwutshilo wokwaziswa kwe-e-euro.

10:15.519 --> 10:20.720
I-e-euro kulindeleke ukuba ingene
kwisigaba sayo sesithathu ngo-Okthobha walo nyaka.

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Kukho ummiselo ocetywayo we-e-euro,
oko kukuthi, umthetho osayilwayo.

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Ipalamente ye-EU kulindeleke ukuba
ithathe isigqibo ngale nto ngo-Okthobha.

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Kwaye ke kusenokwenzeka ukuba kwiminyaka elandelayo enye,
emibini, okanye emithathu, siza kuba

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nomkhuphisani othe ngqo wemali ekhawuntareni, kuloo
ndawo kuthengiswa kuyo, oko kukuthi, kwezorhwebo.

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Kwaye oko kubangela yonke into, ewe kunjalo.

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Ezi zithintelo zintathu zenza abemi batyhalelwe
ngakumbi kule nkqubo baze baqheliswe ukuhlawula ngedijithali.

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Kwaye ngoku nantsi – kwaye le yeyona nto ibalulekileyo.

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– oko kukuthi, "umlinganiselo
wentlawulo ngemali" ligama elibaluleke kakhulu.

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I-Deutsche Bundesbank ikwathe
kudliwanondlebe apha ukuba bayayidibanisa kunyango.

11:15.679 --> 11:19.360
Njengoko benditshilo, ndabuza iDeutsche
Bundesbank ukuba ithetha ntoni ngokuthi 'demand'.

11:19.360 --> 11:22.480
Ngokwezibalo zam, yiphesenti elishumi elinesihlanu.

11:22.480 --> 11:24.840
Umntu angaphikisana phakathi kwe-10 ne-15 pesenti.

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Kulapho iziseko zemali ziqala ukubiza kakhulu kakhulu.

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Emva koko kusebenza le nto kuthiwa "ngumgaqo wokulingana":

11:34.000 --> 11:42.919
Ingaba iziseko zophuhliso zibiza kakhulu ngokungqinelana
nendlela abantu abasebenzisa ngayo imali – ze ke ziwe.

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Okwangoku sinemeko apho umlinganiselo wokuhlawula ngemali
engxoweni eJamani uyawa nge-4 pesenti

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ngonyaka, okanye i-3.8 pesenti iyonke – kodwa
ndiyinyusa ndiyibeka kwi-4 pesenti – ngonyaka.

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Xa kuza kwaziswa i-e-euro, oku kuza kunyuka kakhulu kwaye
ngokukhawuleza sizakuzifumana sikwimeko efanayo nezinye iindawo,

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ezifana neSweden, njalo njalo, apho
iintlawulo ngekheshana zisenokuba zi-10% okanye

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i-15% kuphela yazo zonke iintengiselwano.

12:12.399 --> 12:17.039
Emva koko, ngelishwa, imali iyaphelelwa lixesha
ngenxa yezizathu endizichaze ngokufutshane

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apha, nto leyo edla ngokundithatha iiyure ezimbini.

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Into endingathanda ukuyazi yile: Ukuhamba
ngokubanzi kwe-cryptocurrencies kuyichaphazela

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njani indlela yokuhlawula ngemali engxoweni?

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Baya besanda ababoneleli abasebenzisa
i-crypto – ngoko ke mhlawumbi isekwisigaba sayo

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sokuqala, ubuncinci kurhwebo lwe-intanethi.

12:36.480 --> 12:40.708
Kodwa kwiintengiselwano nge-cash, kwintengiso,
ingaba sele kunokwenzeka kwiimeko ezithile eJamani

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ukuba umntu ahlawule into ngeBitcoin, umzekelo?

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Xa uphuma uyokutya ipitsa, hlawula nge-crypto.

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Ingaba oku kungabangela esinye isisongelo
kwimali engxoweni, ecaleni kweendlela

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zentlawulo zedijithali ezikhutshwe ziibhanki zelizwe?

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Ngokubanzi kuncinci.

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Ngoko ke, xa kuziwa kwiindlela
zokuhlawula, kufuneka wahlule kancinci.

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Kumalunga nokutyala imali:

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Ngoko ke xa kukho ukuguquguquka okuphezulu
, ayifanelekanga ngokwenene kwiintlawulo.

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Abantu abafuni ukusebenzisa into
njengesihlawulelo xa ikwingqikelelo enzulu.

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Ngoko ke, mhlawumbi kumalunga
nokutyala imali okanye yindlela yokuhlawula.

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Indlela entle yokuhlawula ayinantshukumo, oko
kukuthi, ayitshintshi-tshintshi ngexabiso, njl.

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Ngoko ke ngokwembono yangoku – siza kubona
ukuba izinto zihamba njani

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nge-cryptocurrencies – andiboni nayiphi na ingozi kuloo nto.

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I-e-euro eneneni yingozi enkulu kakhulu.

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I-e-euro iza kunikwa ilungelo lokuba
yimali esemthethweni, njalo njalo.

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Andifuni kuchaza yonke into ngoku, yinkimbinkimbi kakhulu.

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Umxholo onomdla kakhulu. Into eza
kuthakazelisa ngokuqinisekileyo ababukeli abaninzi:

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Kutheni abantu besenza lonto?

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Kutheni kanye kanye imali incitshiswa?

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Ngaba yimbuza nje yokulula?

13:51.600 --> 13:57.700
Okanye uyibona ngokucacileyo le njengenxalenye yecebo
elijolise ekugqibeleni ekwenzeni abemi babe maxhomeke

13:57.700 --> 14:01.879
kwaye bahluthwe amalungelo abo, umzekelo ngolawulo loluntu?

14:01.879 --> 14:04.697
Ingaba akuyi kufika ixesha apho kuya kuba lula kakhulu
ngokwendalo ukulawula ukufikelela kwiindlela

14:04.697 --> 14:06.759
zokuhlawula nge-elektroniki kunokuba kunjalo ngemali engxoweni?

14:06.759 --> 14:11.842
Yiyo loo nto abantu besithi, "Imali yinkululeko eprintiweyo,"
kwaye imali ye-elektroniki, ewe, ngokungenakuphepheka

14:11.842 --> 14:14.120
ithintelwe ekufikelelweni ngaphandle, masithi.

14:14.120 --> 14:16.519
Ingaba seso isizathu esingemva kwaso?

14:16.519 --> 14:18.399
Kulungile, zininzi izizathu, ewe.

14:18.399 --> 14:23.519
Kufuneka uqwalasele umba we "Cui
Bono", oko kukuthi, ngubani oxhamlayo kuko?

14:23.519 --> 14:26.320
Kwaye ke, ngokuqinisekileyo, ufika kwizimpendulo ezithile.

14:26.320 --> 14:32.559
Mna ngokwam andiyibanzi le ngongoma kuba eneneni
iyaphazamisa kwingongoma ephambili ngandlela ithile.

14:32.559 --> 14:39.480
Into endithetha ngayo ngokwenene yimigaqo nezakhiwo ezingasemva
kokupheliswa kwemali, nangasemva kwale meko ijikelezayo.

14:39.480 --> 14:48.200
Kuyinto efihlakeleyo kakhulu kunoko:
udala imeko yemali engakwaziyo ukusinda.

14:48.200 --> 14:52.759
Oku kuthetha ukuba imali ngoku ihlaselwa.

14:52.759 --> 14:56.240
Kwelinye icala, kunokwaliwa yinkqubo yoqoqosho.

14:56.240 --> 15:05.879
Kodwa into emangalisa nangakumbi, ngokoluvo lwam, kukuba
urhulumente ungenelela ngakumbi nangakumbi ngokwala imali.

15:05.879 --> 15:09.480
Ndithetha ngeJamani kuba ndiyazi kancinci ngakumbi ngayo.

15:09.480 --> 15:14.240
Umzekelo, amachibi okuqubha akasamkeli mali engxoweni,
kwaye namachibi okuqala angaphandle akasamkeli mali engxoweni.

15:14.240 --> 15:22.000
Ukuba iindawo zokupaka iimoto azisamkeli mali
engxoweni, kwaye kwanamaziko karhulumente akwasenjalo.

15:22.000 --> 15:30.759
EDüsseldorf, umzekelo, kukho imeko apho zonke iiofisi
zabemi zingenayo imali – ngaphandle kwenye, ekwisisitimela.

15:30.759 --> 15:34.039
Loo nto iyingozi kakhulu kuba awunakuyiphepha kwaphela.

15:34.039 --> 15:44.240
Oku kuthetha ukuba abemi bayanyanzeliswa ngakumbi ukuba
bangene kule nkqubo, nto leyo eyingozi kakhulu kakhulu.

15:44.240 --> 15:51.320
Oku kuthetha ukuba, ekugqibeleni, kufuneka
urhulumente anyanzelwe ukuba amkele kwakhona imali engxoweni.

15:51.320 --> 15:56.080
Ndimane ndibuza lo mbuzo malunga nomxholo
wesiganeko esithi 'Abemi Abanoxanduva'.

15:56.080 --> 16:00.220
Kuba into enye icacile: ukuba awusabhatali ngemali
engxoweni, nokuba uhlawula njani ngendlela

16:00.220 --> 16:02.639
yobugcisa, ekugqibeleni ayiseyiyo intlawulo engaziwayo.

16:02.639 --> 16:03.600
Ewe, ngokuqinisekileyo.

16:03.600 --> 16:04.039
Yiloo nto kanye.

16:04.039 --> 16:05.480
Imali yeyona ndlela yokuhlawula engachaziyo umntu.

16:05.480 --> 16:08.017
Ndingaya naphi na, ndingahlawulela nantoni
na. Akukho mntu undibuza ukuba ndingubani.

16:08.017 --> 16:09.559
Bathatha imali yam kwaye abanakho umdla kum.

16:09.559 --> 16:15.720
Xa ndihlawula ngekhadi, phantse yonke ifoliyo yam, yonke
imbali yam yezemali, ihanjiswa kunye neentlawulo, masithi.

16:15.720 --> 16:21.679
Ukusuka apho ndikhoyo ngoku, ukuya kwinto
eyenzekayo kwi-akhawunti yam, nento endiyenzayo.

16:21.679 --> 16:27.706
Yiyo loo nto ndabuza ukuba injongo esisiseko ibingacacanga
kakuhle na: ukuseka uhlobo lolawulo olupheleleyo apha,

16:27.706 --> 16:34.600
apho abemi banokulandelwa ngurhulumente ngempumelelo
ngamaxesha onke nakuzo zonke iindawo kwaye benziwa abelubala.

16:34.600 --> 16:37.440
Kulungile, ndingathanda ukuyiyeka ivulekile okwangoku.

16:37.440 --> 16:42.504
Kodwa into enye endinokuyithetha ngokuqinisekileyo:
uluntu olukhululekileyo luyadinga ngokupheleleyo

16:42.504 --> 16:46.539
inkqubo yokuhlawula ekhululekileyo engenakubekwa esweni.

16:55.399 --> 17:00.915
Kwaye yonke into edijithali,
ngokuqinisekileyo, inokulandelwa lula kakhulu. Enyanisweni,

17:00.915 --> 17:04.160
uluntu luqala ukuba luthimba kwaye luthobeke.

17:04.160 --> 17:14.559
Ngoko ke, ukuba esi siganeko besihlawulelwa nge-intanethi
kuphela namhlanje, bekuya kurekhodwa ukuba ulapha namhlanje.

17:14.559 --> 17:20.680
Ngokwethiyori, kunokwenzeka ukuba nawe ngoku uye
waba okanye umiselwe ukuba 'persona non grata'.

17:20.680 --> 17:23.539
Ndicinga ukuba sonke sikhona.

17:25.079 --> 17:29.039
Hayi, ngethamsanqa andikabikho. Kufuneka
ndinyaniseke ngokupheleleyo ngaloo nto.

17:29.039 --> 17:37.279
Ewe, andizange ndihlaselwe kwaphela de kwaba nguJanuwari
kuba bendixoxa yonke into ngokusekelwe kwinto enyani.

17:37.279 --> 17:43.017
Kodwa ukusukela kuhambo lwam lokugqibela
lweentetho, ngelishwa, iye yaqala, kwaye ayisekelwanga

17:43.017 --> 17:46.400
kwiinyaniso, kodwa kunoko izinto ziyongezwa ebalisweni.

17:46.400 --> 17:49.640
Kwaye kuyingozi kakhulu-kakhulu,
nto leyo endiyibona ilusizi kancinci.

17:49.640 --> 17:50.279
Ngokuqinisekileyo.

17:50.279 --> 17:53.240
Kwaye yiyo loo nto kubalulekile ukuba ubonise
yonke into ngale ndlela isekelwe kwinyaniso.

17:53.240 --> 17:56.400
Oku kukwenza ungahlaseleki, kwaye akukho mntu unokuphikisa oko.

17:56.400 --> 18:01.799
Konke oku kusekelwe kwiinyaniso ezingathandabuzekiyo,
yiyo loo nto isisibonelelo esibaluleke kakhulu kule ngxoxo.

18:01.799 --> 18:03.480
Ngoko ke, enkosi kakhulu kwakhona.

18:03.480 --> 18:05.579
Enkosi.

18:08.480 --> 18:12.925
Sitshintshe kancinci ucwangciso ukuze
luhambelane nezihloko, ngoko ke ngoku ndingathanda

18:12.925 --> 18:16.900
ukucela uMnu. Stützle ukuba aphinde adibane nam.

18:24.480 --> 18:28.799
Ewe, into oyithethileyo ngaphambili
malunga nemali isesentsha engqondweni yam.

18:28.799 --> 18:31.599
Lelo lixesha apho umahluko wexesha
phakathi kweentetho ezimbini umfutshane kakhulu.

18:31.599 --> 18:37.440
Yiyo loo nto utshintsho olusingisa kwinxalenye yesisombululo
lulula kakhulu apha, kuba siqhubeka ngaphandle kwengxaki.

18:37.440 --> 18:41.519
Ngoko ke ingxaki yile, njengoko besitshilo
ngaphambili, imali ikwimeko exineneyo ngokwandayo.

18:41.519 --> 18:46.229
Kwaye ngoku umbuzo obalulekileyo: yintoni esinokuyenza
ngabanye, yintoni umntu ngamnye kuthi anokuyenza ukuthintela

18:46.229 --> 18:50.279
imali ukuba inganyamalali okanye ingashiywe ngasemva?

18:50.279 --> 18:57.079
Ewe, umbuzo omfutshane, impendulo ende: kunzima kakhulu.

18:57.079 --> 19:07.200
Ngokwenene sinemeko apho, okokuqala, uqoqosho
lunokwala imali, kwaye, okwesibini, urhulumente wala imali.

19:07.200 --> 19:13.559
Kanti ke, kuphela kwemali ekhutshwe
ngurhulumente kuphela yileyo ikhasi!

19:13.559 --> 19:21.839
Kwaye urhulumente waleli ilizwe akwamkeli
mali yakhe. Oko ngokwako sele kungumzuzu.

19:21.839 --> 19:29.920
Kule minyaka imbalwa idlulileyo, bendikruqukile
ixesha elide kuba imali sele ingabalulekanga kwaphela.

19:29.920 --> 19:35.400
Imali ayizimiselanga,
ngokwezibalo ezivela kwiDeutsche Bundesbank.

19:35.400 --> 19:43.255
Iinkcukacha-manani zamva nje zapapashwa ngo-2023.
Ngokomlinganiselo wentlawulo ngemali engxoweni eJamani,

19:43.255 --> 19:48.640
i-51 pesenti yeemveliso isahlawulelwa ngemali engxoweni.

19:48.640 --> 19:51.839
Iyancitshiswa ngepesenti ezine ngonyaka.

19:51.839 --> 19:56.640
Oko kuthetha ukuba ngoku,
ngo-2025, sisemalunga nama-43 ekhulwini.

19:56.640 --> 20:04.693
Ukuba umkhuphisani oqondileyo we-e-euro wongezwa koku,
ngoko ke ngonyaka ka-2030 sinokukhawuleza sibone iintlawulo

20:04.693 --> 20:09.039
ngekheshini zihla ziye kwi-15 pesenti okanye ngaphantsi.

20:09.039 --> 20:11.279
Yaye yiyo kanye leyo ingxaki ipheleleyo.

20:11.279 --> 20:17.480
Nam ndandikruquke kakhulu kuba kwakungekho kwaphela
umnqweno wezopolitiko wokukhusela imali ngomthetho.

20:17.480 --> 20:20.559
I-Cash idinga ngokupheleleyo ukhuselo olusemthethweni!

20:20.559 --> 20:27.160
Kwaye esinye isikhuselo esisemthethweni kukuba siza kuphinda
sibe nenkululeko yokukhetha ukuhlawula ngemali engxoweni.

20:27.160 --> 20:32.279
Ukuba ekugqibeleni ibuyela ezandleni zabemi.

20:32.279 --> 20:36.242
Ukuze kufezekiswe oku, ngokwenene sidinga
umgaqo-nkqubo 'wokwamkelwa

20:36.242 --> 20:40.039
okunyanzelekileyo' kurhwebo nakwii-arhente zikarhulumente.

20:40.039 --> 20:49.640
Ukususela ngoku – kwaye namhlanje sithetha ngabemi
abanoxanduva – abemi ekugqibeleni banethuba lokuphinda bavote.

20:49.640 --> 20:53.940
Ngoko ke sidinga kwakhona inkululeko
yokuzikhethela, kwaye ndicinga ukuba oko kubalulekile.

21:00.279 --> 21:05.440
Akukabikho mbilini yezopolitiko nanamhlanje.

21:05.440 --> 21:13.160
Kodwa kuvele ithuba elikhethekileyo lokumisa imali ngokomthetho.

21:13.160 --> 21:21.880
Asikokuba kunqweneleka kwezopolitiko, kodwa kungenxa
yokuba abo banamandla kunye neempolitiki bafuna enye into.

21:21.880 --> 21:23.960
Bafuna i-e-euro.

21:23.960 --> 21:24.279
Kunyanzelekile.

21:24.279 --> 21:28.960
Bayaqhubeka nayo – yindlela ekubonakala ngayo okwangoku.

21:28.960 --> 21:39.599
Yiyo loo nto kupapashwe "ummiselo ocetywayo"
we-e-euro kwaye bafuna i-e-euro ibe yimali esemthethweni.

21:39.599 --> 21:47.493
Oku kuthetha ukuba banyanzelekile ukuba bakhuphe ummiselo
ocetywayo wemali engxoweni ngosuku olunye. Oku kungenxa yokuba

21:47.493 --> 21:51.480
imali engxoweni okwangoku yiyo kuphela imali esemthethweni.

21:51.480 --> 21:55.813
Ngoko ke oko kuthetha ukuba, ngokuphikisanayo,
ukwaziswa kwe-e-euro ekuqaleni kuya kukhusela kwaye

21:55.813 --> 21:59.319
kuqinisekise imali engqesho, ngokwendlela yokuthetha?

21:59.319 --> 22:00.801
Hayi, konke konke.

22:00.801 --> 22:06.647
Ngoko ke ngesiqhelo kungakuhle. Singakubona apha ngoku.

22:06.647 --> 22:11.360
Ngokomthetho osayilwayo, i-e-euro iza
kwamkelwa njengemali esemthethweni ezivenkileni

22:11.360 --> 22:14.920
– ubuncinci ngokwesivumelwano esisayilwayo.

22:14.920 --> 22:18.440
Ewe, kodwa kungenxa yokuba uthe banyanzelwa
ukuba bafake naloo nto enye kuloo mthetho.

22:18.440 --> 22:20.799
Ngoko ke zombini ziqinisekisiwe kumgaqo-nkqubo, akunjalo?

22:20.799 --> 22:22.713
Hayi, kukho imimiselo emibini ecetywayo.

22:22.713 --> 22:29.834
Kukho imimiselo emibini ecetywayo –
enye ye-e-euro nenye yemali engxoweni.

22:29.834 --> 22:32.440
Leyo yingongoma ebaluleke kakhulu.

22:32.440 --> 22:36.501
Kuyathakazelisa ukuqaphela ukuba ummiselo
ocetywayo malunga nemali engxoweni

22:36.501 --> 22:39.440
awunyanzelisi ukuba imali engxoweni yamkelwe kurhwebo.

22:39.440 --> 22:41.480
Ubuncinci yiloo nto ethethwayo.

22:41.480 --> 22:44.542
Loo nto ngokwayo ayinangqondo.

22:44.542 --> 22:50.347
Oku kuthetha ukuba kwixesha elizayo siza kuba nemali
ezimbini ezahlukeneyo ezisemthethweni – i-e-euro

22:50.347 --> 22:54.318
kunye nenye enethuba elincinci, kanye imali engamaphepha.

22:54.318 --> 22:58.444
Kwaye yonke into, njengesiqhelo ngokupheliswa
kwemali engxoweni, yenzeka ngamabona-ndenzile.

22:58.444 --> 23:04.230
IKhomishini yaseYurophu izele ngamagqwetha,
iingcali zezoqoqosho kunye nabalawuli bamashishini.

23:04.230 --> 23:11.559
Kwaye kwenzeka ukuba benze impazamo, yile:
imali – akukho nyanzeliso yokuyamkela ezivenkileni.

23:11.559 --> 23:14.006
Ewe, oko kumangalisa kakhulu, ndicinga.

23:14.006 --> 23:21.781
Kodwa ngoku sinethuba, elikukuba sithathe amanyathelo.

23:21.781 --> 23:25.994
Ucango luza kuvalwa kwakhona kwiinyanga ezizayo.

23:25.994 --> 23:33.185
Loo mali ikwangqinwa njenge-e-euro, kwaye kuya
kuba nyanzeliso kubathengisi ukuba bayamkele.

23:33.185 --> 23:36.960
Oku kubaluleke kakhulu, kubaluleke kakhulu.

23:36.960 --> 23:43.453
Ngoku kufuneka sicinezele kakhulu abenzi
bezigqibo ukuqinisekisa ukuba nolu lukuzo lwabantu.

23:43.453 --> 23:47.841
Ngoko ke ndenze isicelo ngenjongo yale nto.

23:47.841 --> 23:56.640
Le yipetishoni ekwi-www.bargelderhalt.eu,
esinazo kuyo ngoku iisayini eziyi-126,000.

23:56.640 --> 23:59.039
Ingxaki yile, ayonelanga.

23:59.039 --> 24:04.811
Kufuneka siqinisekise ukuba imele abemi.

24:04.811 --> 24:09.558
Ngoko ke ndicela nje – kwaye oku kukubongoza
uncedo namhlanje – ukuba usayine le

24:09.558 --> 24:12.609
petishoni, uze uyidlulisele kwabanye, njalo njalo.

24:12.609 --> 24:18.674
Xa sasungula isicelo-mbekiselo, sathumela
inqaku lasemaphephandabeni kumaphephandaba

24:18.674 --> 24:23.085
angama-350. Kwaye safumana iimpendulo ezintathu kuphela.

24:23.085 --> 24:27.713
Kwaye impendulo yaba: Nceda
ungaphindi usibhalele kwixesha elizayo.

24:27.713 --> 24:30.440
Oko, ewe kona, luphawu lokuba izinto zimbi kakhulu.

24:30.440 --> 24:35.158
Kanti ke, sifumene iivoti eziyi-126,000 ukuza kuthi ga ngoku.

24:35.158 --> 24:38.537
Kodwa sidinga ubuncinci i-300,000.

24:38.537 --> 24:42.315
Ndithetha ukuthi, kungafuneka ngokwenene sifike
kwinani elizigidi ukuze ndikwazi ukufaka

24:42.315 --> 24:45.137
uxinzelelo kwii-arhente zikarhulumente ezifanelekileyo.

24:45.137 --> 24:49.227
Ngokomgaqo, nabani na angenza isicelo esi,
nokuba ayingommi wase-Austria – nabemi

24:49.227 --> 24:52.289
baseSwitzerland nabo banako ukwenza njalo ngokomgaqo.

24:52.289 --> 24:55.443
Kufuneka nje sivotele ukuxhasa esi sicelo.

24:55.443 --> 24:59.628
Kwaye nantsi imfuno yokuba imali engukheshi
yamkelwe njengesixhobo esisemthethweni sokuhlawula

24:59.628 --> 25:02.135
ezivenkileni, kwaye ke, namaziko karhulumente.

25:02.135 --> 25:04.430
Ngokusisiseko, seso isicelo nesisombululo.

25:04.430 --> 25:07.839
Ingxaki yile, kuza kugqitywa kulo nyaka!

25:07.839 --> 25:11.152
Oko kuthetha ukuba sinalo ixesha elincinci kakhulu.

25:11.152 --> 25:16.904
Oku ngokwendalo kuvusa umbuzo: kangakanani iPalamente
yaseYurophu yenene yenziwe ngamaLungu anoxanduva

25:16.904 --> 25:20.780
azigqibelela ngokwabo ukubaacinga ntoni na kwaye afuna ntoni?

25:20.780 --> 25:22.800
Abaninzi kananjalo abanaso isakhono sobuchwepheshe esifunekayo.

25:22.800 --> 25:26.511
Siyazi ukuba kwezinye iimeko, izigqibo zeqela
lepalamente zivunywa nje ngaphandle kokuqwalaselwa.

25:26.511 --> 25:32.359
Kwaye ukuba oku kuxoxwa ngasese kwiPalamente
yaseYurophu nangakumbi kunaseepalamente zezizwe, masithi.

25:32.359 --> 25:38.079
Oko kuthetha ukuba uxinzelelo kuya kufuneka lukhulu apha.
Ngaphezu kwako konke, uxinzelelo loluntu kuya kufuneka lukhulu.

25:38.079 --> 25:46.226
Ngoku ke, ukunika inani, uluhlu lobukhulu. Ungathi luluphi inani
'labaqhankqalazi' elifunekayo ukuze kufikelelwe

25:46.226 --> 25:54.619
kwimpumelelo enkulu yokwenene – eyakukhokelela
ngokwenene kwintshatsheli ebalulekileyo ePalamente?

25:54.619 --> 25:56.347
IPalamente iyodwa.

25:56.347 --> 26:02.565
Lo mthetho usayilwayo okwangoku uyaxoxwa
yiKomiti ye-ECON yePalamente yaseYurophu,

26:02.565 --> 26:06.196
kwaye kusenokwenziwa utshintsho kweli nqanaba.

26:06.196 --> 26:09.562
Oku kuthetha ukuba inyathelo lokuqala
kukunyusa uxinzelelo kwiKomiti yezoQoqosho.

26:09.562 --> 26:11.599
Ndenza izinto ezininzi ukuze ndikwazi ukufezekisa oku.

26:11.599 --> 26:20.720
Mhlawumbi ukwazisa nje: ngenxa yecela lemali, siye
sakha uluntu olunamalungu angama-65,000 ngokupheleleyo.

26:20.720 --> 26:27.931
Oku kuthetha ukuba sizama ukuseka iqela elizimiselayo
ukufumana imali, ukuze sikwazi ukwenza izenzo ngokubambisana.

26:27.931 --> 26:30.799
Kwaye senza imisebenzi ethile esenza sonke.

26:30.799 --> 26:37.839
Okwangoku sizama ukusondeza iKomiti ye-ECON kwintando
yabantu ngokuququzelela amaphulo amakhulu okubhalwa kweeleta.

26:37.839 --> 26:41.832
Abantu abali-1,300 bathathe inxaxheba
kwiphulo lokugqibela lokubhala iileta. Kwaye,

26:41.832 --> 26:44.158
ewe, iileta ezihambelanayo ziyathunyelwa.

26:44.158 --> 26:47.015
Oku kuthetha ukuba kufuneka siqale
sibeke uxinzelelo kwiKomiti ye-ECON.

26:47.015 --> 26:52.352
Nangona kunjalo, kufuneka kwakhiwe ulwazi olutsha
ngalo mba phakathi koluntu kunye naphakathi kwezopolitiko.

26:52.352 --> 26:54.759
Ngoko ke, ingongoma ebaluleke kakhulu kakhulu.

26:54.759 --> 27:01.200
Imali ekhoyo kufuneka ifakwe emthethweni – oko kukuthi,
kufuneka yamkelwe ezivenkileni nakumaqumrhu karhulumente.

27:01.200 --> 27:07.521
Ndibuza nje kuba, njengoko benditshilo, i-146,000 – ukuba
uthi ikwilizwekazi lonke laseYurophu – ayingako ngokwenene.

27:07.521 --> 27:09.000
Oko kuthetha ukuba kufuneka kubekho okuninzi kakhulu.

27:09.000 --> 27:15.319
Ngoko ke umbuzo ngulo, ungathi yintoni: yintoni
injongo apha ukuze ufumane amanqaku ngokwenene?

27:15.319 --> 27:19.519
Ewe, ndicinga ukuba kufuneka sifikelele kwinani elizigidi.

27:19.519 --> 27:22.200
Ngoku ndithetha kakhulu ngeJamani.

27:22.200 --> 27:25.939
Akubonakali kakuhle okwangoku.

27:25.939 --> 27:27.559
Kwimilioni, siqala ukuziva uxinzelelo.

27:27.559 --> 27:31.524
Oku asikokucinga nje ngethemba; kufuneka nje senze into.

27:31.524 --> 27:40.285
Bendikuhambo lokunikezela iintetho kwaye ndizamile
ukuseka unxibelelwano olusondeleyo nabantu abanempembelelo.

27:40.285 --> 27:44.592
Oko kuthetha ukuba ukususela namhlanje,
ndiyayiphelisa indwendwelo yam yentetho.

27:44.592 --> 27:53.212
Kwiinyanga ezimbini ezizayo, ndiza kugxila kakhulu kumajelo
e-YouTube andimema kudliwano-ndlebe ukuze ndinyuse ulwazi ngale

27:53.212 --> 27:58.077
petishoni – ukuze siwufikelele ngokwenene loo mmandla wesigidi.

27:58.077 --> 28:05.008
Ndiyacela uncedo ngokwenene: ukuba unabantu onxibelelana nabo
abasebenza kumaphephandaba, kumajelo eendaba,

28:05.008 --> 28:11.349
njl.njl., nceda ndincede ndiqhagamshelane nabo ukuze
ndikwazi ukungenisa esi sicelo – kwaye ukuze sibonakale.

28:11.349 --> 28:15.556
Ke ngoko inokufikelela kwisigidi ngokulula.

28:15.556 --> 28:17.400
Ndingadinga uncedo lwenu nonke ngale nto.

28:17.400 --> 28:21.599
Loo nto ikwayesinye sezizathu
eziphambili zokuba ndimi apha namhlanje.

28:21.599 --> 28:23.940
Enkosi kakhulu ngaloo nto.

28:29.429 --> 28:31.720
Kwaye ukukhankanyile ngokufutshane
ngaphambili kwinkcazelo yengxaki.

28:31.720 --> 28:36.165
– Kakade ke, umbuzo: ikhadi kwelinye icala, imali kwelinye?

28:36.165 --> 28:38.119
Ngokomgaqo, kufana nentlobo ethile yesigqibo sonyulo.

28:38.119 --> 28:43.440
Oko kuthetha ukuba, ngokomgaqo, nawe ungenza into ngokwakho
ngokuhlawula ngemali engako kangangoko kunokwenzeka, akunjalo?

28:43.440 --> 28:47.410
Ngoko isihloko sanamhlanje sithi "Ummi Oxanduva".

28:47.410 --> 28:54.079
Oku kuthetha ukuba, ukuze abemi babe noxanduva, kufuneka
kuqala inkululeko yokukhetha nokwazi ngento esiyibangela.

28:54.079 --> 29:01.421
Siyazi ukuba iibhanki ezingundoqo
zixhumanisa ikamva lemali ekhoyo kunyango.

29:01.421 --> 29:07.475
Ngale mbono, kuyinyani ukuba okwangoku
sinedemokhrasi ethe ngqo ngokumalunga nemali –

29:07.475 --> 29:11.962
kuba kukho iphepha lokuvota lokugcina imali.

29:11.962 --> 29:17.590
Kwaye iphepha lokuvota linjalo, umzekelo.

29:17.590 --> 29:24.906
Oku kuthetha ukuba asivoti rhoqo kwiminyaka emine, njengakwimeko
yonyulo lukarhulumente womdibaniso, njl., kodwa endaweni yoko:

29:24.906 --> 29:29.920
Sikhetha ikheshi yonke imihla kuko konke esikuthengayo!

29:29.920 --> 29:38.559
Oko kuthetha ukuba ngumbuzo wabemi abanoxanduva abaqondayo ukuba
kufuneka sigcine imfuno yemali iphezulu kangangoko kunokwenzeka.

29:38.559 --> 29:41.812
Eyona nto ibalulekileyo yile, kowona mba wokwazi le nyaniso.

29:41.812 --> 29:49.777
Ngoko ke oko kuthetha ukuba xa sisiya kwakhona kuthenga, sinikela
iphepha lethu lokuvota, nokuba kukukhetha ukugcina imali

29:49.777 --> 29:54.880
– kodwa kukwakho nelinye iphepha lokuvota lokuphelisa imali.

29:54.880 --> 30:00.626
Kwaye ukwanayo nenketho yokuthi: Kulungile,
ndiza kuhlawula ngekhadi okanye ngeselula.

30:00.626 --> 30:05.599
Kwaye ngokuthetha oko, uthetha nje oku:
Ndikuxhasa ukupheliswa kwemali engxoweni.

30:05.599 --> 30:07.440
Yiyo ke imongo yayo.

30:07.440 --> 30:16.312
Isizathu sokuba ndimi apha phambi kwenu
kukucacisela abantu nje into abayibangelayo ngezenzo zabo.

30:16.312 --> 30:20.126
Ewe, kwaye ndingathanda ukubona abemi
abanoxanduva abacingisisa ngale nto:

30:20.126 --> 30:26.839
Into endiyibangela ngeli phepha lokuvota,
nento endiyibangela ngeli phepha lokuvota.

30:26.839 --> 30:29.532
Seso kuphela isizathu – ndifuna abemi
abanokukwazi ukwenza ezabo izigqibo.

30:29.532 --> 30:33.839
Kwaye kubalulekile kubemi abanoxanduva ukuba
babe nolwazi olunzulu kakhulu ngalo mbandela.

30:43.432 --> 30:45.999
Umbuzo obuzwayo ngoku ngowokuba le
petishoni iza kuqhubeka ixesha elingakanani.

30:45.999 --> 30:52.086
Iza kuqhuba de iPalamente yaseYurophu ivote ngayo.

30:52.086 --> 30:57.516
Ndingathi iza kuqhuba kude kube
ngu-Okthobha 2025, kanye ekugqibeleni.

30:57.516 --> 30:59.254
Kufuneka sibone ukuba kuza kuvela ngaphambi koko na.

30:59.254 --> 31:08.319
Kodwa kunokwenzeka kakhulu ukuba ayizukuba ngo-2025, kuba kulapho
i-e-euro iza kungena kwisigaba sayo sesithathu sophuhliso.

31:08.319 --> 31:09.720
Ewe, enkosi kakhulu ngovavanyo lwakho.

31:09.720 --> 31:14.807
Kwaye seso isizathu esenza imisitho efana nale,
eququzelelwe ngu-Erwin Rigo, ibe yeyona ibalulekileyo,

31:14.807 --> 31:17.830
ukuze sikwazi ukuqwashisa uluntu ngokubanzi ngale micimbi.

31:17.830 --> 31:21.033
Kuba abantu abaninzi bayayenza, ngokuqinisekileyo
inani elikhulu ngokugqithisileyo apha kule gumbi, kodwa

31:21.033 --> 31:22.992
abaninzi eluntwini jikelele abayenzi. Ewe, ngelishwa.

31:22.992 --> 31:25.032
Ewe, kwaye ndingathanda ukongeza into kuloo nto.

31:25.032 --> 31:29.119
Ungazisayinela ngokwakho ku-www.bargelderhalt.eu.

31:29.119 --> 31:35.279
Kwaye ukuba uphawula ibhokisi apho, uya
kuba yinxalenye yoluntu ngokuzenzekelayo.

31:35.279 --> 31:40.367
Ithi ukuba ungathanda na ukwaziswa
malunga nenkqubela phambili yepetishoni.

31:40.367 --> 31:42.594
kwaye ke uba yinxalenye yoluntu.

31:42.594 --> 31:44.568
Uluntu lubaluleke kakhulu.

31:44.568 --> 31:51.013
Kuba nokuba singaphumelela ngesicelo, kuza
kuba kukunqanda kuphela ukuhla okukhulu kwemali.

31:51.013 --> 31:55.466
Kodwa amanyathelo okuthengisa shishini lezemali aya phambili.

31:55.466 --> 32:02.121
Oku kuthetha ukuba kufuneka sizilungiselele;
kufuneka sidale uxinzelelo lwemali, lwenkululeko yethu.

32:02.121 --> 32:04.688
Amazwi okuvala amahle kakhulu kunye nesishwankathelo.

32:04.688 --> 32:08.160
Ube nethamsanqa ngaloo nto, kwaye
uqhubeke nomsebenzi omhle kulo mba.

32:08.160 --> 32:10.099
Enkosi.

32:23.173 --> 32:27.060
Ukuphendula imibuzo eshiywe
ingaphendulwanga kudliwanondlebe: Kutheni usenza oku?

32:27.060 --> 32:29.580
Kutheni kanye kanye imali encinciyiswa?

32:29.580 --> 32:41.019
- okusafuneka kuphendulwe, siza kuthomalalisa igalelo
elinomdla likaMnu. Stützle ngokubonisa inkqubo ye-Kla.TV

32:42.839 --> 32:47.288
Ukupheliswa kwemali ngenxa yokuzingela amandla ngokungakhathali

32:47.288 --> 32:52.839
Urhulumente waseMelika ngomnye wamandla
anamandla axanduva lokupheliswa kwemali engxoweni

32:52.839 --> 32:57.271
ngokukhawuleza okwandayo kwihlabathi jikelele.

33:06.361 --> 33:12.309
Ukusukela ngoko, oku kuye kwasetyenziswa ukukhuthaza
kakhulu ukupheliswa kwemali engxoweni kwihlabathi jikelele.

33:12.309 --> 33:17.559
Isizathu sesi sithembiso ngakwicala lase-US
kukuba iintengiselwano zentlawulo ezingenamali

33:17.559 --> 33:21.399
kwihlabathi jikelele zilawulwa ziinkampani zase-US.

33:21.399 --> 33:29.253
Oku kuvumela ngokungathanga ngqo urhulumente wase-US ukuba abeke
iliso kwiintengiselwano zezimali zamazwe athile, iibhanki,

33:29.253 --> 33:38.058
iinkampani, kwanabantu ngabanye, aze abakhiphe kwiintengiselwano
zentlawulo ezingenamali ukuba abaziphathi ngokwezifiso zawo.

33:37.703 --> 33:38.058
Ngoncedo lwe-Arhente yaseMelika yoPhuhliso lwaMazwe ngaMazwe
(i-USAID), i-Better than Cash Alliance yasekwa ngo-2012.

33:38.058 --> 33:45.977
Oku kumele amandla amakhulu kakhulu, ngoku kunokwenzeka
ukuba aphantse alingane nobukhosi bemikhosi baseMelika.

33:45.977 --> 33:52.715
Ngokunciphisa ukusetyenziswa kwemali
engxoweni, amandla e-USA akhulisa ngokuzenzekelayo.

33:52.715 --> 34:00.335
Ngoku siza kuphonononga indlela ethathwe ngabaqambi bamacebo
ezemali ukwandisa amandla abo ngokusebenzisa ababoneleli abakhulu

34:00.335 --> 34:09.477
beenkonzo zentlawulo okanye iinkqubo zamazwe ngamazwe zebhanki,
sisebenzisa imizekelo embalwa evela kwihlabathi jikelele:

34:09.477 --> 34:15.045
Umboneleli weenkonzo zentlawulo wamazwe
ngamazwe i-VISA wazise amanyathelo angqongqo

34:15.045 --> 34:18.401
okuthatha indawo yeentlawulo ngemali engxoweni.

34:18.401 --> 34:24.738
Ngebhajethi efikelela kwi-$500,000, iibhari,
iikhefi kunye neeresityu eUnited States ziza

34:24.738 --> 34:30.001
kufumana inkxaso-mali ukuba ziyeka ukwamkela imali.

34:30.001 --> 34:36.202
Ngaphezu koko, i-VISA yazama ukuphembelela
urhulumente waseBulgaria ukuba wehlise umda

34:36.202 --> 34:40.487
wemali engaphezulu kwe-€500 ngamanyathelo amabini.

34:40.487 --> 34:46.377
Amanani avela e-USA angqina ukuba kukho
iimfuno eziphathekayo zoqoqosho ezisengozini apha.

34:46.377 --> 34:53.990
Ngo-2018, iintlawulo zamakhadi etyala zodwa zavelisa
iindleko ze-90 yeebhiliyoni zeedola zaseMelika apho.

34:53.990 --> 35:01.935
Imali eyayihlawulwa ubukhulu becala ngabathengi yaza yangena
ezipokothweni zababoneleli beenkonzo zentlawulo engenamali.

35:01.935 --> 35:07.006
Kodwa ezi asizoziphumo kuphela zokunyuka
kokungasasetyenziswa kwemali engxoweni.

35:07.006 --> 35:13.737
Iinkqubela ezikhawulezayo ngezantsi eGrisi zinika
umbono ngeziphumo zokupheliswa kwemali engxoweni.

35:13.737 --> 35:20.304
Apho, abemi bayohlwaywa ngerhafu ukuba abayenzi intlawulo
ezaneleyo ngeendlela ezingasebenzisi mali, kwaye amashishini

35:20.304 --> 35:24.829
anyanzeliswa ukuba enze izivumelwano neenkampani ezifana neVISA.

35:24.829 --> 35:33.211
Imali egciniweyo ekhaya nayo kufuneka ixeliwe kubasemagunyeni
kwaye iya kuthathwa ukuba imvelaphi yayo ayinakungqinwa.

35:33.211 --> 35:38.718
Kwaye kulapho ke iimfuno zeendawo ezimbini –
ababoneleli ngeenkonzo zentlawulo kunye neenkqubo

35:38.718 --> 35:42.441
zebhanki zamazwe ngamazwe – zihamba ngokunxulumeneyo:

35:42.441 --> 35:49.637
Le ngxenye ilandelayo icacisa ukuba ezi ndawo ziyadibana
ngathi zizizinyo zomatshini wawotshixo ukuze kufunyanwe ulawulo

35:49.637 --> 35:54.295
phezu kwezibonelelo zemali, kude kuse kwimpahla yabucala.

35:54.295 --> 35:59.786
Ukuze kuvuselelwe uqoqosho, i-ECB ibisebenza
ngezinga lenzala eliphambili elihla iminyaka.

35:59.786 --> 36:05.816
Ngenxa yokuba iirates zenzala ezingentla kwi-akhawunti zokonga
zifana nokuthathwa kwempahla ngokucothayo, abatyali-mali

36:05.816 --> 36:10.025
banokuzikhusela ekulahlekelweni lixabiso ngokurhoxisa imali yabo.

36:10.025 --> 36:17.900
Nangona kunjalo, olu gunya lokuzikhethela
kwimpahla yomntu lunciphisa amandla e-ECB okuchaphazela.

36:17.900 --> 36:25.171
Uxwebhu lophando lwe-IMF malunga nokuphunyezwa kwenkqubo yenzala
engekho ngentle ngoku lucebisa ukuba kubekwe

36:25.171 --> 36:33.197
intlawulo yokutshintshiselana ngemali engukheshi,
elingana nenzala efanayo esebenza kwimpahla etyaliweyo.

36:33.197 --> 36:45.260
Ngezinga lenzala elingaphantsi, masithi yi -5%,
uya kufumana i-€95 yimali xa utsala i-€100 kwi-ATM.

36:45.260 --> 36:50.838
Isiphumo soku sibe kukuba umtsalane wemali engxoweni
njengesixhobo sokonga kunye nendlela

36:50.838 --> 36:59.437
yokuhlawula uya kwehla kakhulu, nto leyo eya kuvula
indlela ekuphelisweni kwemali engxoweni ekugqibeleni.

36:59.437 --> 37:06.601
NguProfesa Hans-Werner Sinn, owayesakuba ngumongameli
we-ifo Institute kwaye engumgqirha kwezoqoqosho, uphawula:

37:06.601 --> 37:12.777
Ukuba i-ECB ifuna ukuphelisa imali engxoweni
ye-euro, iJamani kufuneka iphinde yazise i-DM.

37:12.777 --> 37:17.303
Imali yinxalenye ebalulekileyo yenkululeko.

37:17.303 --> 37:21.596
Imali ithetha inkululeko yokukhetha.

37:21.596 --> 37:28.164
Ngoko ke, ixabiseke ngokuphindwe kalishumi
kumntu onqanyuliweyo ngokupheleleyo kuyo.

37:28.164 --> 37:32.641
Fyodor M. Dostoevsky, umbhali waseRashiya.

37:39.783 --> 37:46.720
Babukeli abathandekayo, iingxelo ezithe vetshe ngesi siganeko
saseDornbirn sele zifumaneka ukuba zibukelwe kwi-HOCH2.TV.

37:46.720 --> 37:49.179
Uza kufumana amakhonkco apha ngezantsi kwale nkqubo.

37:49.179 --> 37:53.613
Singathanda ukuthatha eli thuba ukubulela
i-HOCH2.TV ngentsebenziswano yabo egqwesileyo.