Usuku olwalubonakala lujwayelekile ezinkulungwaneni zabasebenzi base-Argentina emkhakheni womphakathi lwagcina seluyisihloko sengxoxo kazwelonke lapho, lapho bevula uhlelo lwabo lokusebenza lwasebhange, babona ukuthi ama-akhawunti okukhokha wabonisa amadiphozithi acishe abe yi-700.000 pesos lokho okungekho muntu owayekulindele. Ngemizuzu embalwa nje, izingxoxo zangaphakathi kanye nezinkundla zokuxhumana zazigcwele izithombe-skrini, imibuzo, kanye nemibono mayelana nebhonasi yokuphela konyaka.
Nokho, injabulo yaba yesikhashana: kokubili iziphathimandla zephalamende kanye nomongameli ngokwakhe I-Banco Nación Baphume ukuzocacisa ukuthi kwakuyikho iphutha ezinhlelweni zenhlangano nokuthi imali kwakungeyona eyabasebenzi. Umyalelo wawucacile: ungathinti izimali, ngoba zizobuyiselwa ezinsukwini ezilandelayo.
Imali engenayo engalindelekile ecishe ibe yi-700.000 pesos kuma-akhawunti omholo
Lesi siqephu sabonakala kakhulu phakathi kwabasebenzi be- ICámara de Diputadoslapho izisebenzi eziningi zithole khona inkokhelo eyengeziwe, ezimweni eziningi, eyayilingana ngqo $699.177,82Ukunyakaza kwavela ngaphansi komqondo wokuthi "ukuzinikela ngama-peso", igama elingavamile labasebenzi, abaningi abalihumusha njengebhonasi yokuphela konyaka.
Isimo sasakazeka ngokushesha ngamaqembu angaphakathi e-WhatsApp, lapho amarisidi abiwa khona ngenhlanganisela yokumangala nenjabulo. Abanye abasebenzi bavumile ukuthi, imizuzu embalwa, babecabanga ukuthi bathole i-imeyili ibhonasi engamenyezelwanga, esimweni sokulahlekelwa okukhulu kwamandla okuthenga kanye nokusabela kochungechunge lokwenyuka kwentengo.
Ngokusho kwemithombo yezindaba eyahlukene yendawo, inani elifanayo lifakwe ngobuningi enanini elikhulu lama-akhawunti omholo aphethwe yi- I-Banco Naciónokwavumela ukutholakala okusheshayo kokuthi lesi kwakungesona isinqumo esizimele seCongress, kodwa kunalokho kwakuyisinqumo ukwehluleka okubanzi ekusebenzeni kwebhange lomphakathi.
Imininingwane ephawulekayo ukuthi iphutha alizange lithinte ama-akhawunti e-peso kuphela. Ezimweni eziningana, amanye ama-akhawunti nawo athintekile. amadiphozithi engeziwe ku- amabhange okonga ngamadola, nezithombe ezazizulazula nxazonke Ama-USD 6, ama-USD 114, ama-USD 290 ngisho nama-USD 370,04, ehlotshaniswa nemibono efana nokuthi I-YIELD.USDKuma-akhawunti emali endawo, ukuthengiselana okuningi kubhalwe njengo IMVELISO YESISINDO noma “inzuzo yansuku zonke”, okwakukhomba ukungalingani ekubalweni kwenzalo kuma-akhawunti anenzalo.
Umsuka wephutha: ama-akhawunti aletha inzalo kanye nokubuyiselwa kwemali okubalwa ngendlela engafanele
Ezinyangeni zamuva nje, i I-Banco Nación wayemkhuthaze kakhulu ama-akhawunti anenzuzo ngama-pesoLawa ma-akhawunti akhokha inzalo yansuku zonke ebhalansini etholakalayo, ngokuvamile ngesilinganiso esiphansi kunediphozithi yesikhathi esinqunyiwe evamile. Umqondo uwukuthi amakhasimende agcine imali yawo ku-akhawunti yokuhlola ngenkathi ethola imbuyiselo encane ngaphandle kokubopha imali.
Ngokusho kwencazelo eyakhishwa kamuva yinhlangano, lesi sigameko sasihlobene kubalwe ngokungalungile futhi kufakwe izimbuyiselo eziningi phakathi nosuku oluthile. Esikhundleni sokukhokha inzalo okufanele ikhasimende ngalinye liyikhokhe, uhlelo beluzophinda amanani aphezulu kakhulu noma amanani aqondile angahlobene nebhalansi yangempela.
Ukunyakaza kwabonakala kuhlotshaniswa namagama IMVELISO YESISINDO y I-YIELD.USD, okwaqinisa umbono wokuthi ukwehluleka kobuchwepheshe enjinini yokuxazulula inzaloUkusabela ezinkundleni zokuxhumana kwaba ngokushesha: abasebenzisi abaningi babelane ngezithombe-skrini zediphozithi ezicishe zibe yi-700.000 pesos noma izamba ezibalulekile ngamadola, bezibuza ukuthi ibhange lingakwazi yini ukuziguqula.
Isikhungo sezezimali sagcizelela ukuthi iphutha lokusebenza kuphelaLokhu kwakungahlobene nezinqumo zebhizinisi mayelana namanani noma izinhlelo ezintsha zokwethembeka. Baphinde bagcizelela ukuthi basebenza ukulungisa izilinganiso ngokushesha okukhulu nokuthi lesi sigameko akufanele sibhekwe njengenzuzo yangempela kumakhasimende.
Ngokuningi Kuvulwe ama-akhawunti ayizigidi ezingu-20I-Banco Nación yibhange elinokufinyelela okukhulu ezweni, ngakho-ke ukwehluleka kwalesi silinganiso kuthinte inani elikhulu labasebenzisi, ikakhulukazi abasebenzi bakahulumeni abathola amaholo abo ngebhange.
ICongress, ezobulungiswa, kanye nezinye izindawo zesifundazwe ziphakathi kwezithinteke kakhulu
Isexwayiso sokuqala somphakathi saphakanyiswa emkhakheni wezomthetho, lapho abasebenzi abavela ku- Indlu Yamasekela Esizwe ngithole ukungena kwe- $699.177,82 kuma-akhawunti abo okukhokha. Ukufana kwenani phakathi kwabasebenzi abavela ezindaweni ezahlukene kwaholela abaningi ekusoleni ukuthi kwakuyibhonasi ejwayelekile ehlobene nokuphela konyaka.
Esimweni sase-Argentina, lapho lokhu kuvame khona izinkokhelo zebhonasi zokuphela konyaka —kungakhathaliseki ukuthi kungamabhonasi, isamba semali, noma imali ekhokhwayo—, umqondo wokuthi inzuzo yomzuzu wokugcina yamukelwe awuzange uzwakale uyinto engenakwenzeka. Eqinisweni, abasebenzi bePhalamende babesanda kuthola i- ibhonasi eyengeziwe kanye nebhonasi kaKhisimusi, okwakushintshile phakathi $150.000 kanye ne-$300.000 kuye ngesigaba, ngaphezu kokuthola imiholo yabo kaJanuwari kusenesikhathi.
Kodwa-ke, njengoba ekuseni kuqhubeka, izinguqulo zaqala ukusabalala zikhomba ku- ezinye izinhlangano zikahulumeniAbasebenzi be- Inkonzo Yasejele futhi i Igatsha Lezobulungiswa Lesizwe Babike ukuthi bathole iziqinisekiso ezifanayo, okuqinisekisile ukuthi lesi sigameko sasingagcini nje eGatsheni Lezomthetho.
I-Union of Justice Employees (UEJN) yaze yakhipha imiyalezo ezinkampanini zayo ezisebenzisana nayo isixwayiso sokuthi Konke kwakubonisa ukuthi kwakuyiphutha elenziwe yiBanco Nación. futhi kwanconywa ngokucacile ukuthi lezo zimali zingasetshenziswa. Lesi sixwayiso sasihlanganisa iphuzu elibalulekile: uma ibhange liguqula ukuthengiselana futhi imali ingasekho ku-akhawunti, umnikazi we-akhawunti angabekwa icala. i-overdraft ezenzakalelayo bese uqala ukukhiqiza inzalo.
Okwamanje, amaqembu ahlukahlukene eCongress aqinisekisile ukuthi Abameli bomthetho babengathintekile yiphuthangoba izibonelelo zabo zicutshungulwa ngohlelo oluhlukile kolwabasebenzi. Lesi sinqumo sigxile kuma-akhawunti avamile okukhokhelwa kwabasebenzi bokuphatha kanye neminye iminyango, eminingi yayo ehlobene nezivumelwano zokukhokha ngobuningi uHulumeni azigcinayo neBanco Nación.
Impendulo esemthethweni evela kuCongress kanye nememo yangaphakathi ephuthumayo
Lapho igagasi lemibuzo yangaphakathi lingasalawuleki, iziphathimandla ze- ICámara de Diputados Bakhiphe isitatimende ukuze bazame ukuletha ukuthula kulesi simo. Ngemiyalezo eyasakazwa ku- Iziteshi ze-WhatsApp nezangaphakathiKwabikwa ngokuqondile ukuthi "Kukhona idiphozithi yesikweletu ebhange engu-$699.177,82, kodwa kwakuyiphutha lasebhange.".
Isaziso sasihlanganisa nomyalelo ocacile oqondiswe kubo bonke abasebenzi: "Ngicela ungayisebenzisi ngoba lokho kuyiphutha lasebhange futhi bazoyikhipha ngoLwesihlanu."Ngaphezu kwalokho, kucelwe ukuthi Umlayezo uzothunyelwa kozakwethu abaningi ngangokunokwenzeka., ngenhloso yokuvimbela othile ekusebenziseni imali ecabanga ukuthi ngeyakhe bese ebhekana nebhalansi engemihle.
Phakathi kwezingxoxo zasephasishi kanye nokuthunyelwe ezinkundleni zokuxhumana, abasebenzi abaningana bafingqa isimo sosuku ngamazwi anjengokuthi “Sasijabule isikhashanaAmaqembu ezingxoxo “aqhuma kakhulu,” ngokusho kwabanye abasebenzi, ngama-meme, amahlaya, kanye nokusola okushiya phansi lapho kuqinisekiswa ukuthi ukwanda okungalindelekile kwemali engenayo bekuyi-talk nje yezimali.
Ngesikhathi esifanayo, kwavela ukuthi izehlakalo ezifanayo zenzekile nasephalamende. amadiphozithi edola kwamanye ama-akhawunti ahlobene nezinkokhelo zemiholo, ngezibalo ezihlukahlukayo kusukela kancane $6 kuya ku-$290Lezi zinyathelo zaqinisa umbono wokuthi iphutha lalithinte izinhlobo eziningi zama-akhawunti nezimali, ngale kohlelo lomholo olujwayelekile ngama-peso.
Lesi siqephu sasakazeka ngokushesha.Lokhu kwakungenxa yokuthi kwakuhambisana nesikhathi sonyaka lapho izisebenzi eziningi zihlola yonke imali eziyiholayo ngenxa yokuqongelela kwezindleko zikaKhisimusi, amaholide, kanye nokwenyuka okulindelekile kwamanani, intela, kanye nezinye izinsizakalo eziyisisekelo.
Isikhundla seBanco Nación nokuthi kuzokwenzekani ngemali
Njengoba isimo sesisabalele emhlabeni wezingxoxo zangaphakathi futhi siba yisihloko sengxoxo yomphakathi, I-Banco Nación Yakhipha incazelo yayo. Le nhlangano yavuma ukuthi kwenzekile. iphutha lobuchwepheshe ezinhlelweni zabo eyayikhiqize amakhredithi angafanele enanini elingacacisiwe lama-akhawunti, kokubili ku ama-peso njengasemadola.
Abakhulumeli bebhange bagcizelele ukuthi inkinga yayivele ilungiswa futhi baqinisekisa ukuthi lesi sigameko Ngeke kube nomthelela ezilinganisweni zokugcina yamakhasimende, okungukuthi, uma ukulungiswa sekwenziwe, i-akhawunti ngayinye izoba njengoba kufanele ibe njalo ukube iphutha alikaze lenzeke.
Ngaphezu kwalokho, inhlangano ibonise ukuthi Izimali ezifakwe ngephutha zizokhishwa ngokuzenzakalelayo ezinsukwini ezilandelayo, ngaphandle kokufuna noma yisiphi isinyathelo kumakhasimende. Kodwa-ke, ngokuhambisana nemiyalezo esivele isakazeka phakathi kwezinyunyana kanye neziphathimandla zephalamende, ibhange lincome Ungasebenzisi, uhoxise, noma udlulisele leyo mali yokugwema izinkinga.
Nakuba iBanco Nación ingacacisanga ukuthi bangaki abasebenzisi abathintekile, iphawule ukuthi iyisikhungo esinamakhasimende amaningi ezweni, okuphakamisa ukuthi ububanzi bokwehluleka babubalulekileEndabeni yama-akhawunti omholo wabasebenzi bakahulumeni, umthelela wawugxile kakhulu kulabo abathola inkokhelo ngezivumelwano zokukhokha ngobuningi eziphethwe yibhange uqobo.
Inkinga eyodwa eyayingacaci ngokushesha ukuthi Kuzokwenzekani kulabo abagcina besebenzisa imali? ngaphambi kokuqaphela ukuthi kwakuyiphutha. Abameli abakhethekile babonise ukuthi, ngokomthetho, inhlangano inelungelo imisebenzi yokubuyisela emuva ebangelwa ukwehluleka okuqinisekiswayoKodwa-ke, indlela okuphathwa ngayo imali ebuyiswayo—ikakhulukazi uma idala i-overdraft kanye nenzalo—ingabangela izingxabano ngezikhathi ezithile namakhasimende athile.
Ingozi yokudlula imali kanye nenzalo: izexwayiso kubasebenzi
Elinye lamaphuzu abucayi kakhulu kulesi siqephu kwakuyi- umthelela wezezimali ongaba khona kulabo abasebenzise imali ngephuthaIziphathimandla zePhalamende kanye nenyunyana yezobulungiswa ye-UEJN baxwayise ngokuthi uma ibhange likhipha ngokuzenzakalelayo inani elikhokhelwe futhi i-akhawunti ingasenamali eyanele, umnikazi we-akhawunti angagcina esesimeni lapho ibhange lihilelekile kulolu hlelo. Izinombolo ezibomvu.
Ohlelweni lwebhange lase-Argentina, lapho i-akhawunti inebhalansi engemihle ngenxa yokudonswa kwemali ngokuzenzakalela noma ukulungiswa okufanayo, kutholakale ngentshisekelo ezikhokhiswa ngqo kumakhasimende. Ngamanye amazwi, umuntu ubengeke nje azithole engenamali engalindelekile, kodwa futhi ubezongena engozini yokuthi qoqa izikweletu nebhange uma engalungisi isimo sakhe ngokushesha.
Ngaleso sizathu, imiyalezo yangaphakathi yagcizelela ngokuphindaphindiwe ukuthi imali yayingatholakaliIsitatimende senyunyana yezobulungiswa sasicacile kakhulu ekuboniseni ukuthi, ngokuguqulwa kwale nhlangano, "Uma imali ingekho ku-akhawunti, i-overdraft enezindleko zenzalo ezizenzakalelayo ingadalwa kumnikazi we-akhawunti.", isimo esingathandeki phakathi kwezindleko zezimali ezikhulayo.
Empeleni, abasebenzi abaningi bakhetha ukuthi ungathinte ngisho nesenti elilodwa lemali eyengeziwe bese ulinda uhlelo lulungise i-akhawunti ngokwalo. Abanye, njengoba besho ezinkundleni zokuxhumana, baze badlulisela ingxenye yemali ngaphambi kokuqaphela uhlobo lwephutha, bese kudingeka bahlele kabusha izimali zabo ukuze bakwazi ukuyikhokha.
Lesi siqephu sibuyise imibuzo ebanzi mayelana ukucaca kokuthengiselana kwebhange, isidingo solwazi olucacile nolusheshayo lapho kwenzeka amaphutha amakhulu kanye nesifiso sezinhlangano ezisebenzisa izinqubo zokuxhumana ezithile ukuze zigweme ukulimaza amakhasimende azo.
Ukusabela kwezepolitiki kanye nempikiswano yomphakathi mayelana “nebhonasi yephantom”
Ngaphandle kwezincazelo zobuchwepheshe, isimo sasinohlangothi lwezepolitiki. Ilungu lePhalamende laseSanta Fe U-Esteban Paulón Usebenzise izinkundla zokuxhumana ukuze ahlekise ngalesi siqephu, ekhomba ukuthi iBanco Nación yayigxile kakhulu ekukhangiseni lokho okubizwa ngokuthi "ubumsulwa bezezimali" lokho kwase kuphelile "ukusabalalisa ngephutha ibhonasi engama-peso angu-700.000 kuma-akhawunti omholo"Ukuphawula kwakhe kwaphetha ngesitatimende esiqondile esiqondiswe kulabo ababecabanga ukuthi kungaba yisinyathelo esihle esikhuthazwa uhulumeni kaJavier Milei: kwakungenjalo.
Ukuphawula kukaPaulón kwenezele esimweni esijwayelekile se- ukungaqiniseki kwezomnotho kanye nokungazinzi komphakathiKulesi simo, noma yikuphi ukunyakaza okuhlobene namaholo, amabhonasi, noma usizo lukahulumeni kudala ukunakwa okusheshayo. Lokho okubizwa ngokuthi "ibhonasi engaqondakali" engama-pesos angu-700.000 kusetshenziswe, amahora ambalwa, njengesifaniso sokukhululeka kwezomnotho okuvela futhi kunyamalale cishe ngokushesha.
Ezingxoxweni zansuku zonke, abasebenzi abaningi baveze ingxubevange yokwesula emsebenzini kanye nentukuthelo, beqaphela ukuthi Leyo mali ayizange ibe ngeyabo ngokusemthethweni.kodwa futhi bekhungathekile ngokubona esikrinini isithombe esasizokwenza umehluko omkhulu empilweni yabo yansuku zonke, uma kubhekwa isimo sezomnotho.
Leli cala liphinde lavuselela ingxoxo mayelana ukuthembela ezinhlelweni zamabhange kanye nomthwalo wemfanelo wezikhungo zezimali ukuvimbela amaphutha athinta ezezimali zamakhasimende azo. Kwabanye amalungu omphakathi, isigameko esikhulu kangaka siqinisa umbono wokuthi imithetho yezemidlalo yezezimali ngezinye izikhathi ayicaci futhi kunzima ukuba isakhamuzi esivamile siyiqonde.
Phakathi nale ngxoxo, abanye ochwepheshe baveze ukuthi ukwehluleka okukhulu ekusebenzeni kwamabhange akulona elase-Argentina kuphela nokuthi, eYurophu, izinhlangano eziningana ziye zabhekana nezigameko ezifanayo ezihlobene amaphutha ekubalweni kwenzalo noma ekukhokheni okuzenzakalelayoKodwa-ke, bagcizelele ukuthi ukuxhumana okuphumelelayo nokulungiswa okusheshayo kwezilinganiso kubalulekile ekunciphiseni umonakalo wedumela nokugwema izingxabano zomthetho.
Ngemva kokushaqeka kokuqala, isiqephu se- cishe ama-peso angu-700.000 afakwe ngephutha Kwashiya isithombe esibi: amahora ambalwa, izinkulungwane zezisebenzi zikahulumeni zazikholelwa ukuthi isimo sazo sezezimali sithuthuke ngokungalindelekile, kodwa kamuva zathola ukuthi konke lokhu kwakungenxa yephutha lekhompyutha. IBhange Likazwelonke lalungisa ibhalansi futhi lacela abantu ukuba bangayithinti imali, izinyunyana zaxwayisa ngengozi yokukhokha imali eningi ngokweqile, futhi iziphathimandla zephalamende zakhipha izitatimende eziphuthumayo; ekugcineni, okwasala nje kwakuyindaba "yebhonasi" engakaze ibe khona kanye nenye imbizo yokuvuka mayelana nokubaluleka kwezinhlelo zebhange eziqinile, ezisobala, nezixhumana kahle.
