Imali yendawo yaseBalili , njengalabo bonke abase- Indonesia , yaziwa ngokuthi i-rupiah (IDR, noma i-RP). Ngenxa yokunyuka kwemali emlandweni, imali yase-Indonesia ifika ezinhlanganweni ezinkulu ezivela ezinhlakeni zemali ze-aluminium IDR 50 ukuze zikhokhise izindleko ze-IDR 100,000.
Amanothi ephepha afika ezinhlanganweni ze-IDR 500, 1,000, 5,000, 10,000, 20,000, 50,000 no-100,000. Izinhlamvu zemali zifika ezinama-50, 100, 200, 500 kanye no-1,000, nakuba lezi zingavunyelwe kakhulu uma kuqhathaniswa nezikweletu zephepha.
Hlola leli khasi ukuze ubuyekeze izinga lokushintshaniswa kwe-dollar-rupiah: i-Yahoo Finance - i-US Dollar eya kwi-Indonesian Rupiah Exchange Rate (ngaphandle).
Amabhizinisi aseBalika ahlose ukuvakasha abenekhono kakhulu lapho behlukanisa izivakashi ezivela emalini yabo ngokusebenzisa izindlela ezifanele noma ezimbi. Lokhu akukona ukuphazamisa abashayeli abaqotho kakhulu, ababheki, amabhange, kanye neziqondiso zokuvakasha e-Bali - kodwa umuntu kufanele aqaphele ukuthi angabanjwanga eBali, njengoba kunabantu abaningi abanobugebengu abalindele ithuba lokusebenzisa.
Ukuze uthole imininingwane ehlobene, i-Asia Guide (futhi yangaphambili engeningizimu-mpumalanga ye-Asia Hamba umlobi ohambisa isandla) Greg Rodgers chimes in iseluleko on Indlela Yokuphatha Imali e-Asia .
Ngolunye uhlangothi futhi awukho e-Bali , funda lezi zihloko mayelana namathiphu e-Etiquette e-Bali , amathiphu okuphepha e-Bali , amathiphu okuphepha ebhishi e-Bali , namathiphu wezempilo e-Bali .
Abashintshi bemali kanye nemali yangaphandle e-Bali
Kukhona izindawo eziningi zokushintshanisa kuzo zonke izivakashi eziyinhloko zezokuvakasha zase-Bali, iningi lazo lamukela izimali ezinjengeDola lase-US, i-dollar yase-Australia ne-UK.
Abathengisi abathembekile basebenzisana nabashintshi bemali, futhi kunzima ukutshela omunye komunye.
Ngaphambi kokuba uphume ukuze uguqule izikweletu zakho, hlola iphephandaba lendawo ukuze uthole amazinga wokushintshanisa okuphezulu. Kodwa ungathathi isilinganiso senhliziyo: ukushintshaniswa okulandelayo kungaqeda ukwehla ngenxa yamakhomishini athengiswa ngemali yokushintsha izinto.
Ungaba nemali yakho yashintsha ezindaweni ezilandelayo, kuhlelwe ngendlela yokuthembeka:
- Amabhange: Kungenzeka ukuthi kungenzeka ukuthi unqunywe uma ushintshanisa imali ebhange. Ngaphandle kwalokho, ungakwazi ukuhoxisa ku-ATM yasebhange usebenzisa i-debit yakho noma ikhadi lesikweletu .
- Amahhotela: Amanethiwekhi amaningi ehhotela angavumeli ukushintshaniswa kwemali , kodwa anikele ngamanani aphansi okushintshaniswa uma kuqhathaniswa namabhange kanye nabaguquli bemali abavamile.
- Abashintshi bemali abagunyaziwe: I- Bank yase-Indonesia- abaguqukisi bemali abagunyaziwe bayamemezela isimo sabo njengoPedagang Valuta Asing Berizin noma i- PVA Berizin (i-Indonesian ye- " Ilungelo Lemali Egunyaziwe") nge-logo ye-PVA Berizin eluhlaza efasiteleni lesitolo. (Bheka isithombe ngenhla.)
Abaqondisi be-About.com.com bahlolisise okuyisisekelo sokushintshaniswa kwamanye amazwe kwabahambi ngemininingwane emininingwana. Umhlahlandlela Wethu Wabadala Ukuhamba I-Nancy Parode inikeza izimpendulo kumbuzo Uma Kufanele Ngithathe Ikheshi, Abahambi Bahlola, I-Debit Card noma I-Credit Card Ekuhambeni Kwami? , ngenkathi i-honeymoons Guide Susan Breslow Sardone inikeza iseluleko seSage kwi-Overseas Currency Exchange .
Bali Amabhange
Amabhange amaningi aseBalli ayamukela izimali zamanye amazwe ukuze atshintshwe. Ngezinsuku, amabhange e-Bali avuliwe kusukela ngo-8: 00 kuya ku-3: 00.
Amabhange ase-Indonesia alandelayo asebenza ngaphakathi kwe-Bali, futhi ahlinzeke nge-ATM kanye nezinsizakalo ezingaphezu kwamakhompiyutha.
Chofoza kuzixhumanisi ezingekho ohlwini olulandelayo ukuze ufinyelele amasayithi abo olimi lwesiNgisi bese uthola amagatsha awo nama-ATM eBali.
- Bank Mandiri
- BNI
- Bank BCA
- Bank Danamon
- I-CIMB Niaga
Ngaphandle kokushintshanisa izimali zamanye amazwe kulezi zibhange, ungathola futhi imali esheshayo ekhadini lakho lesikweletu (noma ngaphezulu kwe-counter noma kumshini wabo we-ATM), noma usebenzise ama-ATM abo ukuhoxisa ekhadini lakho lokukhishwa kwe- ATM . Sebenzisa abakhiqizi be-ATM abalandelayo ukuthola ibhange e-Bali elizokwamukela ukuhoxiswa kwe-ATM yakho noma ikhadi lesikweletu:
- I-MasterCard / i-Cirrus ATM Locator
- I-Locator ye-Visa / Plus ye-ATM
Amabhange amaningi anomkhawulo ophezulu wokuhoxiswa we-IDR 3 million (cishe amaRandi ayi-330), nakuba imishini ethile ingahamba ngaphansi kwe-IDR 1.25 million noma ephakeme njenge-IDR 5 million.
I-convenience ehlinzekwa ama-ATM e-Bali ingahle ikhokhelwe yimali ekhokhwa ukuhoxiswa kwamanye amazwe.
Hlola kabili ibhange lakho noma ikhadi lesikweletu ngaphambi kokwenza ukuhoxiswa kwi-ATM ye-Bali. Nansi ukwehla kwezimali ezikhokhwa yizikhungo zezimali ze-US zokukhishwa kwe-ATM nokuthenga ikhadi: BankRate.com - Izindleko zokuguqulwa kwemali.
Umhlahlandlela Wokuvakasha Wabafundi uKathleen Crislip wenza icala lekhadi le-debit elithobekile: kuDebit Card - Ungahambisani Ngaphandle kwalo .
Bali Money Changers
Izimali zakwamanye amazwe njenge-dollar yase-US, i-pound yase-UK ne-dollar yase-Australia ingashintsha kalula kakhulu kwenye yezinguquko eziningi zemali e-Bali. Abashintshi bemali baya lapho izivakashi zivela khona - zisuka esikhumulweni sezindiza kuya emadolobheni amakhulu. Ngeshwa, abashintshi bezimali be-Bali bathole idumela elibi ngenxa ye-repertoire yabo egcwele yamasu angcolile. Funda lesi sihloko nge-Travelfish.org - Izikhwama ezishintsha imali e-Bali ukuze uqonde kangcono ukuthi isebenza kanjani.
Ukuze uzivikele ekuhlukunyezweni ngokukhohlisa abashintshi bezimali, uhloniphe kuphela iBhange Indonesia-abaguqula imali abagunyaziwe. Laba bashintshi bemali bayagunyazwa yiziphathimandla zezimali zase-Indonesian njengo- Pedagang Valuta Asing Berizin noma i- PVA Berizin (i-Indonesian ye " Ilungelo Lemali Egunyaziwe"). Amalungu e-PVA Berizin ane-hologram ye-Bank yase-Indonesia ne-PVA Berizin i-logo yesihlangu esiphezulu ewindini lesitolo.
Ukuze uthole noma iyiphi imali oyishintshayo e-Bali, landela lezi zinyathelo ezilula ukuze uqinisekise ukuthi awunqamuki uma ushintshanisa izimali zamanye amazwe.
Isinyathelo sokuqala: Bala isilinganiso sakho. Hlola amanani okukhangisa ngemali eshintshiwe kuqala, bese usebenzisa ikhodi yakho yokubala ukuze uthole imiphumela ngokulinganisa inani ofuna ukulishintshanisa. Lokhu kubalulekile: abanye abashintshi bemali abanokungahambi kahle baye bakhonsa izibalo zabo zokubala ukuze banikeze isilinganiso esiyingozi.
Isinyathelo sesibili: Thola ukuthi uma ushintshe imali osondelayo uzokhokhisa ikhomishana. Abashintshi bemali abanamazinga aphezulu kunamajwayelekile ngokuvamile bakhokhisa ikhomishana yokukhipha kancane kancane phezulu. Abashintshi bemali abangakhokhi ikhomishini ngokuvamile bathengisa ngamanani aphansi. Laba bashintshi bamemezela ukuntuleka kwabo kokuthunyelwa phambili.
Isinyathelo sesithathu: Batshele ngemali oyifisa ukuyishintsha. Umshintshi wemali uzosebenzisa i-calculator yakhe ukuze abone ukuthi inani le-rupiah lizoshintshaniswa. Isibalo esilandelayo sizoboniswa kuwe. (Yilapho isinyathelo esisodwa sitholakala khona.)
Isinyathelo Sesine: Bala amanothi akho, kodwa ungabaniki okwamanje. Beka phambi kwakho lapho ungabheka khona.
Isinyathelo sesihlanu: thatha i-rupiah kumshintshi wemali bese uzibala wena. Ungazifaki okwamanje, kodwa ngaphansi kwanoma yiziphi izimo kufanele uhambise i-rupiah kumshintshi wemali ngokubala. Uma ephikelela, hamba uye uthathe imali yakho nawe.
Isinyathelo Sesithupha: Uma ujabule ngemali oyitholile, vumela ukuthi ushintsho lwemali uthathe imali yakho yangaphandle bese uqedela ukuthengiselana. Kufanele uthole irisidi yokuthengiselana. Uma ungayitholi eyodwa, cela eyodwa.
Amathiphu Okushintsha Imali Yakho e-Bali
Landela lawa macebiso ukuze uqiniseke ukuthi uthola okuningi kukho konke ukushintsha kwemali.
- Ungakhethi kuphela ngesisekelo sezinga elikhangisiwe kakhulu. Ukusebenza nge-Fly-by-night sebenzisa amazinga okushintshanisa ama-almost-good-to-be-true ukudweba ama-suckers. Yenza ibhizinisi namalungu e-PVA Berizin, uma ungeke ukwazi ukuhoxisa imali oyidingayo kusuka ku-ATM yendawo.
- Letha imali emisha, eyi-$ 100 yokukhokhela. Izindleko zokudala noma ezindala zizonqatshwa yizinguquko eziningi zezimali, noma zizokhokhiswa isilinganiso esiphansi sokushintshaniswa. Same uhamba ngezinkambiso ezintsha emasontweni aphansi; buza ukuthi ngabe bayaphuhlisa yini izikweletu ezingaphansi kuka-$ 100 enenani. Imithetho ekhokhwayo ebizwa nge-$ 10 nangaphezulu angeke yamukelwe ngenjongo yokushintshaniswa. Ukuqeda ukushicilela ukubuka kwakho imali engu-$ 100, cishe uzothola isilinganiso esingcono kakhulu ngokushintshaniswa.
- Bala imali yakho ngaphambi kokuyishintsha; ubale, futhi ubale futhi ngemuva kokuthi usishintshe.
- Yiba umuntu wokugcina ukuphatha imali ekuthengiseni. Ungavumeli ushintsho lwemali ukuthi ubuyisele imali, "ukuyibala uma kwenzeka".
- Gwema abaguquli bemali abalandelayo: Abashintshi bemali abanamathele njengokukhathazeka okwesibili kwelinye ibhizinisi, njengombhalo we-tattoo owenza imali eshintsha ohlangothini; futhi abashintshi bemali banikeza amazinga aphakeme ngokungaqondakali kunani lebhange elikhona.