Mabhanga anopa maakaundi, madhipoziti, nzira dzokubhadhara, makadhi nemasevhisi edhijitari kuburikidza nemabhanga ane marezenisi nemamwe masangano ane chekuita nawo anotarisirwa neReserve Bank of Zimbabwe. Mabhanga ekutengeserana, masangano anochengetesa mari nekuvaka dzimba uye People’s Own Savings Bank anobatsira pazvinodiwa zvemazuva ose, ukuwo masangano ezvemari diki uye ekusimudzira aine zvinangwa zvakatetepa. Vatengi vanofananidza kuwana Zimbabwe Gold nemadhora ekuUnited States, kuwanikwa kwemapazi nemaATM, masevhisi edhijitari, kugamuchirwa kwenzira dzokubhadhara, mari dzemasevhisi, miganhu uye dziviriro yemadhipoziti. Kuisa mari muzvinhu zvinogona kukura kunosanganisira zvinhu zvakaita semasheya akanyorwa pamusika, zvikwereti zvehurumende, homwe dzemari, zvivakwa, mabhizinesi akazvimirira nemapurojekiti. Vanoisa mari vanogona kutsvaga mari inopinda, kukura kwekukosha, kuchengetedza kukosha kana kuendesa upfumi nenzira yakarongwa. Kuisa mari muzvibatiso zvinodzorwa nemutemo kunowanzoitwa pachishandiswa broker ane rezinesi reSecurities and Exchange Commission of Zimbabwe uye Zimbabwe Stock Exchange kana Victoria Falls Stock Exchange. Kuratidzwa kushanduko dzemari, kukwanisa kushandura chinhu kuita mari, mitero, kuchengetwa kwezvinhu, marezenisi uye kukwanisa kutengesa kana kubvisa mari zvinokanganisa zvichawanikwa. Mari dzemazuva ose dzinosanganisira dzimba, magetsi nemvura, zvokudya, zvekufambisa, utano, dzidzo, kutaurirana nemari dzemhuri. Mitengo inogona kutaurwa neZimbabwe Gold kana nemadhora ekuUnited States, uye kuchinja kwemitengo yekutsinhana kwemari kunogona kuchinja mutoro wemwedzi woga woga. Mari idzi dzinosiyanawo pakati pemapurovhinzi, nzvimbo dzemumaguta nedzemumaruwa, mwaka nemamiriro emhuri. Chikwereti chinosanganisira zvikwereti zvemhuri, kukwereta zvisina kurongwa, zvikwereti zvebhizinesi uye zvikwereti zvehurumende. Mabhanga, masangano anochengetesa mari nekuvaka dzimba, uye masangano ezvemari diki anogamuchira madhipoziti kana anongokweretesa anopa zvikwereti zviri pamutemo; mhuri, shamwari nevakweretesi vemari vasina kurongwa vanogonawo kukweretesa. Kunonoka kubhadhara kunogona kukonzera zvirango zvemari, kutaurirana, kumanikidzwa nedare, kutorerwa zvinhu kana kutorerwa mari pamuhoro. Kubhuroka kwemunhu, kuendeswa kwemabasa ake kune mumwe munhu uye kununurwa kwekambani zvinobata mamiriro akasiyana emunhu kana ebhizinesi, ukuwo zvikwereti zvehurumende zvichitarisirwa zvakasiyana. Mitero inogona kubhadharwa pamari inotambirwa nemunhu, purofiti yebhizinesi, mari yebasa, kushandiswa kwezvinhu nemasevhisi, purofiti inobva mukutengesa zvinhu zvawedzera kukosha, zvinhu zvinobva kunze kwenyika uye dzimwe mari dzinoyambuka miganhu yenyika. Zimbabwe Revenue Authority, inozivikanwa seZIMRA, inonyoresa vanobhadhara mutero, inounganidza mari, inoongorora marekodhi uye inobata zvichemo zvinoramba mitero. Mabasa emutero anogona kusanganisira kuwana Taxpayer Identification Number, kuendesa mafomu emitero panguva dzakatarwa, kunyima nekubhadhara mari inodiwa, kubhadhara nenguva uye kuchengeta marekodhi kwemakore matanhatu kana kupfuura. Inishuwarenzi inoendesa kune mumwe munhu kana sangano njodzi dzakatsanangurwa dzemunhu, dzepfuma, dzemhosva kana dzemari inotambirwa, pasi pezvibvumirano zvemutemo kana zvepachivande. National Social Security Authority inopa inishuwarenzi yemagariro kuvashandi vanokodzera, ukuwo makambani einishuwarenzi epachivande achipa inishuwarenzi youpenyu, yemariro, yemotokari, yepfuma, yekufamba nedzimwe. Mari dzinobhadharwa, dziviriro, zvisingafukidzwi uye matanho ekukumbira muripo zvinoenderana nechirongwa, mamiriro ebasa, zvibvumirano zveinishuwarenzi nekambani. Nzvimbo idzi dzine hukama: akaundi yekubhanga inobatsira pakubhadhara, mari inotambirwa inokanganisa mitero uye kukwanisa kukwereta, kuisa mari muzvinhu zvinogona kukura kunounza nyaya dzemitero uye kukwanisa kubvisa mari, uye inishuwarenzi inogona kuderedza kukanganiswa kwemari nenjodzi yakafukidzwa.
Mari muZimbabwe
Mari muZimbabwe inobata mashandisirwo anoitwa mari, zvinhu, mari dzinodiwa, kukwereta, mitero nenjodzi dzemari nevanhu nemasangano. Inosanganisira mabhanga, kuisa mari muzvinhu zvinogona kukura, mari dzemazuva ose, zvikwereti, mitero neinishuwarenzi; chimwe nechimwe chine vanochipa, mitemo nemigumisiro yakasiyana. Zimbabwe Gold (ZWG) nemitengo inotaurwa nemadhora ekuUnited States zvinogona kukanganisa kukosha chaiko kwemari inobhadharwa, inochengetwa, inoiswa muzvinhu zvinogona kukura uye bhajeti remhuri.
Tora nyaya dzemari muZimbabwe sedzinobatana, kwete sezvigadzirwa zvakasiyana. Chengeta mari yemari dzenguva dzose nezvikwereti zvakasiyana nemari yaunokwanisa kuisa muzvinhu zvinogona kukura, uye nyora kuti mari ipi neipi yaunotambira, yaunoshandisa, yaunofanira kubhadhara kana yaunayo ndeyemari ipi. Fananidza kuwanika, mari dzemasevhisi, miganhu, kukwanisa kubvisa mari, mitero, dziviriro nezvisingafukidzwi usati wasungirira mari yako.
Mabhangi
Hurongwa hwemabhangi muZimbabwe hunopa maakaundi, dhipoziti, kubhadhara, makadhi nemabhangi edhijitari kuburikidza nemabhangi ane rezinesi nemasangano anoenderana anotarisirwa neReserve Bank of Zimbabwe (RBZ). Mabhangi ezvekutengeserana, masangano ekuvaka nedhipoziti uye People’s Own Savings Bank (POSB) anobatsira zvinodiwa zvezuva nezuva; microfinance nemasangano ebudiriro ane mabasa akamanikana. Vatengi vanowanzoenzanisa kuwana ZiG neUS dollar, mapazi nemaATM, mabasa edhijitari, nzvimbo dzinogamuchira muripo, mari, miganhu nedziviriro yedhipoziti.
Kuisa mari
Kuisa mari muZimbabwe kunoreva kupa mari kuzvinhu zvakaita semasheya ari pamusika, zvikwereti zvehurumende, mari dzakabatanidzwa, zvivako, mabhizimisi akazvimirira kana mapurojekiti uchitarisira kuwana mari, kukura, kuchengetedza kukosha kana kuronga kupfuudza pfuma. Kuisa mari muzvibatiso zvinodzorwa kunowanzoitwa kuburikidza nemutengesi ane rezinesi reSecurities and Exchange Commission of Zimbabwe (SECZ) uye Zimbabwe Stock Exchange (ZSE) kana Victoria Falls Stock Exchange (VFEX). Mari inoshandiswa, kukwanisa kutengesa, mitero, kuchengetwa kwepfuma, marezenisi uye mukana wokubuda mumari zvinogona kuchinja mhedzisiro zvikuru.
Mari
Mari yokurarama muZimbabwe inosanganisira pekugara, mabasa anokosha, zvokudya, chokufambisa, utano, dzidzo, kutaurirana nemari yemhuri. Mitengo inogona kutaurwa neZimbabwe Gold (ZWG) kana madhora eUnited States, saka kuchinja kwemari uye mari yaunobhadhara nayo zvinokanganisa mutoro chaiwo wepamwedzi. Mari inosiyana zvikuru nemapurovhinzi, nzvimbo dzomumaguta nedzokumaruwa, mwaka nemamiriro emhuri.
Chikwereti
Chikwereti muZimbabwe imari kana chimwe chinhu chinofanira kupiwa nemukwereti, kubva pazvikwereti zvemhuri nekukwereta zvisina kurongwa kusvika pazvikwereti zvemabhizinesi nehurumende. Vanokweretesa vepamutemo vanosanganisira mabhanga, masangano ekuvaka dzimba, masangano emicrofinance anogamuchira mari uye anokweretesa chete. Mhuri, shamwari nevanokweretesa mari vasina kurongwa vanopawo zvikwereti. Kunonoka kubhadhara kunogona kuunza faindi, kutaurirana patsva, kutongwa kwedare, kutorwa kwezvinhu kana kubviswa kwemari pamuhoro. Kusakwanisa kwemunhu kubhadhara, kupa pfuma kuburikidza nechibvumirano uye kugadzirisa bhizinesi inzira dzemutemo dzakasiyana; chikwereti chehurumende chinotarisirwa chakasiyana nechikwereti chemhuri kana chebhizinesi.
Mitero
Hurongwa hwemitero muZimbabwe hunobata mari inotambirwa nemunhu, purofiti yebhizinesi, mari yebasa, kushandiswa kwezvinhu, purofiti inowanikwa pakutengesa zvinhu, zvinhu zvinopinzwa munyika uye mimwe mibhadharo yekuyambuka miganhu. Zimbabwe Revenue Authority, inozivikanwa seZIMRA, inonyoresa vanobhadhara mitero, inounganidza mari, inoongorora marekodhi uye inobata kupikisa. Mabasa emitero anowanzobatanidza Taxpayer Identification Number, magwaro enguva nenguva, kubvisirwa mutero pamari, kubhadhara uye marekodhi anochengetwa kweanenge makore matanhatu.
Inishuwarenzi
Inishuwarenzi muZimbabwe inopa dziviriro yemari panjodzi dzakatarwa dzemunhu, pfuma, mutoro nemari yaanowana kuburikidza nezvirongwa zvemutemo kana zvibvumirano zvakazvimirira. Social insurance yepamutemo inofukidza vashandi vanokodzera kuburikidza neNSSA; makambani einishuwarenzi akazvimirira anopa inishuwarenzi youpenyu, mari yomariro, motokari, pfuma, kufamba nezvimwe. Kuvharwa, mari, zvisingafukidzwi, nzira yokukumbira muripo nekuwana inishuwarenzi zvinoenderana nechirongwa, zviga zvepolicy, mamiriro ebasa nekambani.
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