Ingxoxo mayelana imfundo yezezimali isizuze amandla eSpain ngegagasi lezinhlelo zomphakathi nezizimele ezifuna ukusondeza imiqondo ebalulekile kubafundi, imindeni, kanye namaqembu asengozini. Ngesikhathi esifanayo, kunezingcingo ezikhulayo zokuba khona kwalezi zifundo ekilasini, ngeso elibheke ezinqumweni zansuku zonke ezinjengokonga, ukuhlela isabelomali, nokugwema ukukhwabanisa.
Ngasemuva, ukuxilonga kukhomba inselele eqhubekayo: amakhono ezezimali Intsha kanye nabantu abadala babhekene nezikhala, kuyilapho abazali, othisha, nochwepheshe befuna isinyathelo esisheshayo nesingcono. Iziphakamiso ezintsha zihlose ukuvala leli gebe, ukuhlanganisa ukuqeqeshwa okusebenzayo, okuqukethwe okwenziwe igeyimu, nemisebenzi yokuqwashisa kulo lonke elase-Spain.
I-X-ray yezinga lesiko lezezimali
Idatha yakamuva etholakalayo ipenda isithombe esiyinselele. Ngokusho kwe-PISA, abafundi baseSpain abaneminyaka engu-15 ubudala yenza ngaphansi kwesilinganiso se-OECD ekufundeni ngezezimali: amagama ayisisekelo ayinhloko njengeholo noma isabelomali, kodwa abonisa ukungabaza okwengeziwe ngezintela, amasheya, inzalo ehlanganisiwe noma izinga lokushintshisana.
Ucwaningo lwe-Funcas 2025 Lwezimpesheni Nezemfundo Yezezimali lukhombisa lokho kuphela U-40% udla njalo Okuqukethwe kokuthi ungonga kanjani noma utshale imali, nabalandeli abaningi phakathi kwezinsizwa nalabo abangaphezu kweminyaka engama-60, nangaphansi kwabesifazane abadala. Noma kunjalo, iningi elicacile lingavuma ukukwenza. isifundo esifushane, samahhala okunikezwa yibhange lakho, ikakhulukazi izethameli ezisencane.
- El U-17% wabafundi ayifinyeleli ezingeni eliyisisekelo lokufaneleka kwezezimali, ngamavelu angaphansi kwesilinganiso se-OECD.
- EYurophu, kuphela i- 18% wezakhamizi inezinga eliphezulu lolwazi lwezezimali, ngokusho kwe-Eurobarometer yakamuva.
- El I-90% yemindeni Ngingathanda isikhathi esengeziwe sekharikhulamu esinikezelwe ekuphatheni imali nokufunda ukonga nokutshala imali.
Ngaphezu kwalokho, inhlolovo ye-Funcas ikhombisa umphakathi ohlukene phakathi: abangaphezu kwesigamu bakubheka lokho Ukuphatha imali kahle kudinga ulwazi lwezezimali, kuyilapho elinye iqembu likholelwa ukuthi azibalulekile. Phakathi kwalabo abasebenzisa ulwazi njalo, maningi amathuba okuthi lokho batusa ukutshala imali (ngezindlu noma izimali) ngokuqhathaniswa namadiphozithi, okuphakamisa ukuthi ukuchayeka kokuqukethwe okuhle kushayela a umbuthano omuhle Ukufunda.
Izinhlelo zezikole nokuqeqeshwa kwemisebenzi yezandla: kusukela ekilasini kuya emdlalweni
I-Spanish Chamber of Commerce kanye ne-MAPFRE Foundation yethule uhlelo lwesithathu lwe FINEXIT, igumbi lokubalekela labahambayo elixhaswe yi-European Union elizovakashela izikhungo zokuqeqeshwa kwemisebenzi eyi-150 emadolobheni ayi-110 phakathi nonyaka wezifundo ka-2025-26. Balinganiselwa ku-8.000 abantu abasha okulindeleke ukuthi babambe iqhaza, bazilolonge imiqondo efana nale tolika ibhalansi, qonda izinqubomgomo zomshwalense, ukushintshanisa imali noma uqonde i-IBAN ne-ROI, kanye namakhono afana nokulungiselela I-SWOT noma amashadi enhlangano.
Lesi siphakamiso, esiqale ku-A Coruña esihambisana noSuku Lwezemfundo Yezezimali, siqinisa umsebenzi wangaphambilini: ngonyaka odlule safinyelela 119 izikhungo futhi yahlanganisa abafundi abangaphezu kuka-6.300; kulo nyaka, yandisa ukufinyelela kwayo futhi igxile ezindaweni ezinabantu abambalwa kanye nokufinyelela okuncane kulolu hlobo lwesinyathelo.
Ngaphandle kwe-FINEXIT, umkhakha wamabhange uyaqhubeka nokuzibophezela kwawo ekuqeqesheni ezikoleni. I-AEB Foundation ikhuthaza izinhlelo ezimbili nge ukuqaliswa kuzwelonke: “Izimali Zomphakathi” Esikoleni Esiphansi (iminyaka engu-9-12), kanye “Nezezimali Zakho, Ikusasa Lakho” Kwesesibili, kokubili ngokubambisana ne-Junior Achievement. Othisha kanye umsebenzi wokuzithandela wasebhange ukuletha imiqondo esemqoka yezezimali eduze kwamantombazane, abafana kanye nentsha.
Amaqembu asengozini kanye nabantu asebekhulile: ukuvikelwa okwengeziwe namathuluzi
I-Cabildo of Fuerteventura, kanye neKolishi Lezomnotho LaseLas Palmas kanye neBhange LaseSpain, balungiselela uchungechunge lwezingqungquthela zabafundi, osomabhizinisi kanye amaqembu asengoziniLolu hlelo luzohlanganisa imfundo esebenzayo yezezimali, ukunqanda ukukhwabanisa kanye nezikhumbuzo mayelana nemikhawulo esemthethweni yokukhokhwa kwemali, kuyilapho kufunwa ukukhuthaza izakhamuzi iqhaza emisebenzini yokuqeqesha.
Endaweni yokuvikela, i-Banco Santander ihlele i- masterclass abantu abadala abangaphezu kuka-200 ngokubamba iqhaza kwamaPhoyisa Kazwelonke, agxile ekuvimbeleni imikhonyovu nokuxhashazwa kwempahla. Ibhizinisi, eligcizelela umsebenzi oqhubekayo namaqembu azwelayo, lilinganisela ngaphezu kwalokho 34 million euro impahla elikwazile ukuyivikela emizamweni yokukhwabanisa, ngaphezu kokuthumela izinhlelo zokufundisa ngezezimali ezingaba ngu-80 ezikoleni, kuma-NGO, nasezikhungweni eziphezulu.
Inyuvesi nezemidlalo: I-UMA kanye ne-Edufinet baqala umjikelezo wokuphayona
IYunivesithi yaseMalaga kanye neProjekthi ye-Edufinet, ekhuthazwa yi-Unicaja Foundation kanye ne-Unicaja, ivula umjikelezo "Imfundo Yezezimali Yezemidlalo" e-Faculty of Marketing and Management. Kuzoba neseshini yanyanga zonke phakathi kuka-Okthoba 2025 noJuni 2026, esekelwa yi-FUNCAS Educa, ukuhlaziya ukuphathwa kwezomnotho wezinhlanga, amakilabhu nezinhlangano zezemidlalo.
Iseshini yokuvula, ngo-Okthoba 8, ikhuluma ngendima ka izimali zokutshala izimali embonini yezemidlalo, ngokubamba iqhaza komphathi okhethekile. Lolu hlelo luzohlanganisa izindaba ezifana nemali engenayo yezohwebo kanye noxhaso, ukuxhumana, ukusimama kwekilabhu, nokusebenza kwendawo, nezikhulumi ezivela emkhakheni wezobuchwepheshe, wezemfundo kanye nezikhungo. Izingqungquthela zizoba evulekile futhi mahhala, ngokubhaliswa kwangaphambili okunconyiwe.
Izikhungo ezeseka ukuqeqeshwa kwezezimali
Uhlelo Lwezemfundo Yezezimali “Ezezimali zabo bonke”, egqugquzelwa yi-CNMV, iBhange LaseSpain kanye Nomnyango Wezomnotho, Wezohwebo Nezamabhizinisi, isalokhu iyisambulela esiyinhloko semisebenzi yokuqwashisa nokuqeqesha engathathi hlangothi, ewusizo futhi engeyona eyentengiso. Kusukela ngo-2015, ixhumanise Usuku Lwezemfundo Lwezezimali Njalo ngoMsombuluko wokuqala ngo-Okthoba, sikhuthaza abaphathi, amabhizinisi kanye nezakhamizi ukuthi zijoyine izinhlelo.
Kulo mongo, i-ONCE inikezele yayo cupón kuze kube namuhla ngokubambisana neziphathimandla eziyinhloko, ukuqinisa ukubonakala komlayezo emphakathini nokuzibophezela isiko lezezimali iminyaka yonke.
Izinyathelo zasendaweni: ama-workshops asendaweni
UMnyango Wezokulingana Nentsha woMkhandlu Wedolobha iNerja uhlele umhlangano wokucobelelana ngolwazi “Imali yethu yansuku zonke”, eklanyelwe ikakhulukazi abesifazane nabantu abasha. Iseshini esebenzayo izohlanganisa amathuluzi okuvikela impahla kanye neholo, ukuhlela umhlalaphansi, izinqumo zokutshalwa kwezimali, kanye nendlela yokugwema amaphutha asheshayo. Ukubhalisa kumahhala futhi kulawulwa ngomnyango wentsha kamasipala.
I-Europe ikuphinda kabili ukugxila kwayo
UMkhandlu WaseYurophu ucele izinyathelo eziphuthumayo, kugcizelelwe ikakhulukazi ehlobene nesikole, ukuthuthukisa ulwazi lwezezimali naphezu kwezinga eliphansi lolwazi e-EU. I-European Commission isimemezele izinhlelo ezimbili okuhloswe ngazo ukukhulisa I-Savings and Investment Union kanye nokwenza ngcono ukuqeqeshwa kwezezimali kuzo zonke izigaba zokuphila.
Inhlanganisela yedatha, okuhlangenwe nakho kwangempela, neziphakamiso ezintsha kusetha iphethini ecacile: kunendawo yokuzuza futhi, ngesikhathi esifanayo, isizinda somphakathi esizimisele ukufunda. Ukuhlanganiswa kwezinhlelo ezikoleni nokuqeqeshwa kwemisebenzi yezandla, izenzo zabadala kanye namaqembu asengozini, izifundo ezikhethekile zasenyuvesi, nokusekelwa kwezikhungo kudala uhlelo oluqinile lwezemvelo lwezingane, intsha, kanye nabantu abadala ukuze bafunde ukuphatha imali yabo ngokuzethemba. ukuzimela nokwahlulelaUkuqala kusenesikhathi, ukugcina ukuqeqeshwa okuqhubekayo, nokuba nezinsiza ezisezingeni eliphezulu, namuhla, kuwutshalomali olungcono kakhulu.
