Uma uhlela uhambo oluya e-Afrika, uzodinga ukuthola imali yendawo lapho uya khona futhi uhlele indlela engcono kakhulu yokuphatha imali ngenkathi ukhona. Amazwe amaningi ase-Afrika anemali yawo eyingqayizivele, nakuba abanye babelana ngemali efanayo nangamanye amazwe amaningi. I-West African CFC franc, isibonelo, iyimali esemthethweni yamazwe ayisishiyagalombili eNtshonalanga Afrika , kuhlanganise neBenin, iBurkina Faso, iGuinea-Bissau, iCote d'Ivoire, iMali, iNiger, iSenegal kanye neTogo.
Ngokufanayo, amanye amazwe ase-Afrika anemali engaphezu kweyodwa esemthethweni. I-rand yaseNingizimu Afrika isetshenziselwa idoli yaseNamibia eNamibia; kanye no-Swazi lilangeni eSwaziland. I-Zimbabwe ithatha isihloko sezwe ngezimali ezisemthethweni kakhulu, kodwa. Ngemuva kokuwa kwedola laseZimbabwe, kwamenyezelwa ukuthi izimali eziyisikhombisa ezahlukahlukene emhlabeni wonke zizobhekwa njengethenda elisemthethweni esifundazweni saseNingizimu Afrika esasihlehlisiwe.
Ama-Exchange Rates
Izinga lokushintshaniswa kwezimali eziningi zase-Afrika ziyinkimbinkimbi, ngakho-ke ngokuvamile kungcono ukulinda uze ufike ngaphambi kokushintshe imali yakho yangaphandle emalini yendawo. Ngokuvamile, indlela eshibhile yokuthola imali yendawo yendawo ukuyidweba ngokuqondile ku-ATM, kunokuba ukhokhe ikhomishana emahhovisi e-airport noma izikhungo zokushintshaniswa kwedolobha. Uma ukhetha ukushintshanisa imali, guqula imali encane lapho ufika (ngokwanele ukukhokha ukuthutha kusuka esiteshini sezindiza ukuya ehoreni lakho lokuqala), bese ushintshanisa konke okunye edolobheni lapho kungabizi.
Qiniseka ukuthi ulanda uhlelo lokusebenza lokuguqulwa kwemali, noma usebenzise iwebhusayithi enjengaleyo ukuze uphinde uhlole amazinga okushintshaniswa yakamuva ngaphambi kokuvuma imali.
Amakhadi, Amakhadi noma Amasheke Abahambi?
Gwema ukuguqula imali yakho ekuhloleni komhambi - sebephelelwe yisikhathi futhi bamukelekile kakhulu e-Afrika, ikakhulukazi ezindaweni zasemaphandleni.
Kokubili ukheshi namakhadi banezinhlelo zabo siqu zezinzuzo nezingozi. Ukuphatha imali eningi kumuntu wakho akufanelekile e-Afrika kusukela ekuboneni kokuphepha, ngaphandle uma ihhotela lakho linokuphepha okuthembekile, akusilo umqondo omuhle ukushiya ekamelweni lakho lehhotela. Uma kunokwenzeka, shiya iningi lemali yakho ebhange, usebenzisa i-ATM ukuze uyidwebe ngezitolimende ezincane njengoba kudingeka.
Kodwa-ke, kuyilapho amadolobha emazweni afana ne-Egypt neNingizimu Afrika enengcebo ye-ATM, ungase ucindezeleke ukuthola indawo ekamu elide elide noma kwelinye isiqhingi sase-Indian Ocean . Uma uhamba ezindaweni lapho ama-ATM engathembeki khona noma engekho, uzodinga ukudweba imali oyihlose ukuthi uyisebenzise kusengaphambili. Nomaphi lapho uya khona, kuwumqondo omuhle ukuthwala izinhlamvu zemali noma amanothi amancane okubopha abantu abazobe uhlangana nabo ohambweni lwakho, kusukela emalindeni emotweni kuya kubaphathi beziteshi zegesi.
Imali Nokuphepha e-Afrika
Ngakho-ke, uma uphoqeleka ukudweba imali eningi, uyigcina kanjani iphephile? Ukubheja kwakho okuhle ukuhlukanisa imali yakho, ukuyibeka ezindaweni eziningana (eyodwa ehlanganisiwe emgqeni wakho emithwalweni yakho enkulu, eyodwa egumbini eliyimfihlo esikhwameni sakho, esisodwa ephephile ehhotela njll). Ngale ndlela, uma isikhwama esisodwa sintshontshiwe, uzobe unamanye ama-cash stashes ukuze abuyele emuva.
Ungathwali isikhwama sakho esikhwameni esiphezulu, esicacile-esikhundleni salokho, ubeke imali ebhantshini lwemali noma ugcine amanothi ehlongozwe ephaketheni elizimele.
Uma unquma ukuhamba umzila wamakhadi, qaphela kakhulu indawo ozungezile kuma-ATM. Khetha eyodwa endaweni ephephile, ekhanyisiwe, futhi uqiniseke ukuthi ungavumeli noma ubani amise eduze ukuze abone iPIN yakho. Qaphela ama-con artists anikela ukukusiza ukuthi wenze ukuhoxiswa kwakho, noma ukucela usizo lokuzakhela. Uma othile eza kuwe ngenkathi udweba imali, qaphela ukuthi abenzi njengesikhazamiso ngenkathi omunye umuntu ethatha imali yakho. Ukuhlala uvikelekile e-Afrika kulula - kepha ukuqonda okuvamile kubalulekile.
I-African Currencies Esemthethweni
I-Algeria: i-dinar yase-Algeria (DZD)
I-Angola : I-Angolan kuqala (i-AOA)
IBenin: I-West African CFA franc (XOF)
IBotswana : Umfula waseBotswanan (BWP)
IBurkina Faso: I-West African CFA franc (XOF)
IBurundi: iFranc franc (i-BIF)
I-Cameroon: I-CFA franc yase-Central African (XAF)
I-Cape Verde: Ukuhlola kwe-Cape Verdian (i-CVE)
I-Central African Republic: I-Central African CFA franc (i-XAF)
I-Chad: i-Central African CFA franc (i-XAF)
I-Comoros: I-Comorian franc (i-KMF)
I-Cote d'Ivoire: I-West African CFA franc (XOF)
I-Democratic Republic of the Congo: i-franc yaseCongo (CDF), i-Zairean Zaire (ZRZ)
I-Djibouti: I-Djiboutian franc (i-DJF)
IGibhithe : Iphara laseGibhithe (EGP)
I-Equatorial Guinea : i-Central African CFA franc (i-XAF)
I-Eritrea: Eritrean nakfa (ERN)
I-Ethiopia : I-Ethiopian birr (ETB)
IGabon: I-CFA franc yaseCentral (XAF)
I-Gambia: I-Gambian dalasi (GMD)
I-Ghana : I-cedi yase-Ghana (GHS)
IGuinea: i-Guinean franc (i-GNF)
I-Guinea-Bissau: I-West African CFA franc (XOF)
I-Kenya : Shilling yaseKenya (KES)
I-Lesotho: i-Lesotho loti (LSL)
I-Liberia: i-dollar yaseLiberia (LRD)
I-Libya: i-dinar yaseLibya (LYD)
I-Madagascar: i-Ariary Malagasy (MGA)
UMalawi : I-Malawian Kwacha (MWK)
I-Mali : I-West African CFA franc (XOF)
I-Mauritania: i-Mauritanian ouguiya (i-MRO)
I-Mauritius : i-Mauritius rupee (i-MUR)
Morocco : dirham yaseMorocco (MAD)
I-Mozambique: I-Mozambican metical (i-MZN)
I-Namibia : i-Namibia dollar (NAD), i-rand yaseNingizimu Afrika (i-ZAR)
I-Niger: I-West African CFA franc (XOF)
I-Nigeria : i-naira yaseNigeria (NGN)
I-Republic of Congo: I-Central African CFA franc (i-XAF)
I-Rwanda : i-franc yamaRwanda (i-RWF)
I-Sao Tome ne-Principe: I-São Tomé ne-Príncipe dobra (i-STD)
ISenegal : I-West African CFA franc (XOF)
I-Seychelles: I-Seychellois rupee (SCR)
ISierra Leone: I-leone yaseSierra Leone (i-SLL)
ISomalia: Shilling yaseSomalia (SOS)
INingizimu Afrika : I-rand yaseNingizimu Afrika (i-ZAR)
I-Sudan: i-Sudanese pound (SDG)
I-South Sudan: i-South Sudanese pound (SSP)
ISwaziland: Swazi Lilangeni (SZL), i-rand yaseNingizimu Afrika (ZAR)
I-Tanzania : Shilling yaseTanzania (TZS)
I-Togo: i-West African CFA franc (i-XOF)
I-Tunisia : Dinar yaseTunisia (TND)
Uganda : Shilling yase-Uganda (UGX)
I-Zambia : Zambian Kwacha (ZMK)
I-Zimbabwe : I-dollar yase-United States (i-USD), i-rand yaseNingizimu Afrika (i-ZAR), i-Euro (i-EUR), i-rupee yamaNdiya (i-INR), i-Pound sterling (GBP), i- Yuan / Renminbi (CNY) yase-Bhotela (BWP)