Thailand's loan sharks
Mukati mechikwereti uye padhuze nekusuwa, murombo Thais anotendeukira kuchikwereti shark setariro yavo yekupedzisira. Ava vanokweretesa zvisiri pamutemo, avo vanochaja mibairo yakakurisa uye vanoshandisa kutyisidzira nechisimba kuti vadzorere, vanoisa njodzi inokura kugarikano yeThailand.
Pese panotanga hurumende itsva, zvinonzi pachatorwa matanho akaomarara kune vanokweretesa ava. Zvinhu zviri kuitwa, kumwe kusungwa kuri munhau uye pamwe kunyange mutemo uri kuchinjwa, asi chokwadi hapana chinochinja.
Kusununguka kwenguva pfupi
Vanokweretesa vanoramba vachishanda sezvavanoita kwemakumi emakore. Vanochaja mibairo yakakwirira, iyo inorambidzwa zviri pachena nemutemo. Vanhu vari kunyanya kushungurudzwa ava vanhu vanoshanda vanoedza kurarama nemari shoma uye vanonetsekana nekutora zvikwereti kubva kumasangano emari akaita semabhanga. Mashaki echikwereti anopa rubatsiro rwenguva pfupi, asi chokwadi matambudziko emari evakwereti anongowedzera nekuti mhindu inodiwa uye mubhadharo haugone kana kutadza kubhadharwa. Dambudziko iri rakadzika midzi munharaunda yeThai. Sezvineiwo, vanhu vazhinji vanoona vanokweretesa setariro yavo yekupedzisira, kunyanya kumaruwa.
Vanokweretesa mari vanoshambadza zvakawanda kuti vawane vatengi vatsva. Kazhinji nekuisa mapepa ekupa "mari nekukurumidza". Chinotadza kutaurwa nematurakiti aya ndechekuti makambani anoita mari yakawanda asi asiri pamutemo anobhadharisa mhindu yepamusoro-soro. Kazhinji 20% pamwedzi, dzimwe nguva pavhiki kana kunyange kwezuva rimwe chete. Zvinoenderana neThai Commercial uye Civil Code, 15% pagore ndiyo yakanyanya kubvumidzwa mubereko.
Hurumende "inobatsira"
Nguva nenguva, meseji inobuda munhau kubva kuhurumende ine hurongwa hwekubatsira vane zvikwereti. Hurongwa hwazvino hwakaziviswa neBazi reMari muna Mbudzi mushure mekuzvipira kwemudzimai wemurimi murombo pamberi peHofisi yeConsumer Protection muLopburi. Mai Sangvean Raksaphet, vane makore makumi mashanu nemaviri ekuzvarwa, vane chikwereti chinosvika miriyoni imwe nehafu yeBaht kune akadaro wekukwereta shark. Haana kukwanisa kubhadhara mubereko wacho, ndoda kubhadhara chikwereti chacho. Nekuda kwekupererwa, akazvidira peturu ndokuzvibatidza moto. Akaendeswa kuchipatara aine zvikamu makumi mashanu kubva muzana zvekutsva muviri wese.
Nhau idzi dzakaburitswa munhau dzemuno nedzekunze. Mukupindura, vakuru vakuru vehurumende vakavimbisa mukadzi wacho rubatsiro. Kunyange Prime Minister Prayuth, uyo akanga ari muItaly panguva iyoyo nokuda kwomusangano wamarudzi akawanda, akaraira betsero yomukadzi wacho. Kunyange zvazvo mukweretesi akadzima chikwereti chake, izvi hazviiti kuti mavanga aMai Sangvean atsakatike.
Chikwereti chemhuri
Mumwedzi ichangopfuura, nyanzvi dzezvehupfumi dzakayambira kuti chikwereti chemumba chiri kunetsa zvishoma nezvishoma kuhupfumi hweThai. Bhangi reThailand rakashuma muna Chikunguru 2014 kuti muchikamu chechipiri chegore iro, chikwereti chemumba chakazara chaive chinosvika 10 trillion baht. Iyo inenge 83% yeGross National Product.
Mumwe mukuru anotaura
Mumwe mukuru wezvemitemo ane ruzivo rwakadzama rwemakambani anokweretesa zvisiri pamutemo aida kutaura nesu asina kudomwa nezita. Akataura kuti mazhinji, kana asiri ese, emabhizinesi eThailand ekukweretesa zvisiri pamutemo anofambiswa ne "mafia-mhando" idzo dzinobatanidzwawo mukutengesa zvinodhaka, kubhejera nezvimwe zvisiri pamutemo. Vanoshanda mumapoka evanhu vashanu kusvika vasere.
Kune zvakare vanokweretesa mari vanobva kuIndia, avo pakutanga vanoita sevane hushamwari uye vanonzwisisa kupfuura mhando dzemafia. Vanongokweretesa mari shoma chete kunyanya kuvagari vezvitangwena kana vamwe vanhu varombo zvikuru. Mari yakakweretwa inowanzo shandiswa kutenga zvinhu zvisingadhure zvakaita semafeni kana zvimwe midziyo yemagetsi. Zvisinei, vanochaja mubereko wakakwira zvikuru unowedzera kana muripo ukasaitwa nenguva. Havatyityidzire makasitoma asi kana paita dambudziko pakuunganidza mari vanohaya mabhinya kuti avabate.
Vamwe vanokwereta mari vanonamira mabhurocha ekushambadza kumatanda emagetsi, zviteshi zvemabhazi, madziro, matumba enhare, zvichingodaro. Dzimwe nguva mapepa aya anongopihwa veruzhinji pamabhiriji etsoka kana kumisika. Mashoko ari pamapepa aya anowanzova chimwe chinhu chiri mumitsara yekuti, "Kana uchida mari, fonera nhamba iyi." Pazasi peforodha pane nharembozha ye'Loanshark'.
Vatengi
Vanokweretesa vanogona kuwanikwa muThailand yese uye mukweretesi wavo anowanzo mugari wemumusha ane mari shoma. Anotendeukira kune chikwereti shark nokuti bhangi renguva dzose rinoramba chikwereti chinodiwa. Kazhinji nekuti hapana chibatiso kana munyoreri haana mari yakadzikama. Avhareji mutengi anokwereta 3.000 kusvika 10.000 Baht. Mari iyi inoshandiswa kutenga nharembozha itsva kana midziyo yemumba. Vamwe vanhu vanokwereta kuti vabhadhare zvikwereti zvekubhejera kana kutenga mudhudhudhu mutsva. Nguva yakabatikana yevakweretesi ndeye Chivabvu naChikumi, gore idzva rechikoro risati ratanga. Vabereki vakawanda vanofanira kukwereta nekuti kana zvisina kudaro mari yechikoro haibhadharwe.
Kana vanhu vachida kukwereta mari, mukwereti anokopa chitupa chavo uye dzimwe nguva anouya kumba kwavo kuzoona kwavanogara. Kana mutengi asingakwanise kubhadhara mubereko uye mukuru nenguva, iyo 'Loanshark' ichashandisa matsotsi kana 'varume vakapfeka yunifomu' kuvatyisidzira. Izvo zvikwereti uye mibairo yakakwira inomhanyisa vamwe Thais kuita hutsotsi. Semuenzaniso, vanhu vanotengesa zvinodhaka kuitira kuti vawane mari yemubereko uye kubhadhara chikwereti.
Vanokweretesa zvikwereti vanoziva kuti vari kuita bhizinesi rine njodzi nekuti mukwereti akatadza anogona kumhanya. Vanokwereta mari saka vanoshandisa vanhu vakati wandei vanouya kuzotora chikwereti. Kazhinji ivo varume vechidiki vari pamudhudhudhu unokurumidza, avo, pamusoro pemuhoro we8 kusvika ku9000 Baht yekuunganidza mari, vanogashirawo komisheni inosvika makumi maviri muzana.
Kufonera mapurisa kana mukwereti aenda kunoshungurudza kutambisa nguva. Vanokwereta "vanoziva" vanhu vazhinji vane simba, dzimwe nguva kunyange mukati memapurisa emunharaunda. Vanobhadharwawo kuti vatore mari kana kubvuta zvinhu. Vanobva va“piwa mubayiro” nokuda kwezviito izvi. Vazhinji vanokwereta mari vanotsigirwa 'kuseri kwezviitiko' nevanhu vakapfuma. Ivo havawanzosungwa, nekuti humbowo hausi nyore kuwana. Vatengi vanotya kufonera mapurisa kana kupupura, nekuti vanogona kutarisira 'kutsiva kwakakodzera' kubva kune mukweretesi.
Dzosera
Izwi rekubhadhara chikwereti rinogona kunge riri mukati memaawa makumi maviri nemana, asiwo mwedzi kana kupfuura. Kune zvikwereti zvenguva pfupi, mutengi anofanira kubhadhara mukuru pamwe nemubereko panguva imwe chete. Kana iyo mari ikadarika zviuru gumi baht, vimbiso yemuromo kubva kunhengo yemhuri inogona kudiwa kunze kwekunge mutengi achizivikanwa kune chikwereti shark. Zvimwe zvivimbiso, zvakaita sehumbowo hwekutanga hwemuridzi wemotokari, zvinogonawo kudiwa pamari hombe.
Kutsvaga shark
Kutsvaga zvikwereti zvikwereti hazvina kuoma. Vazhinji vevatengesi vemumigwagwa muNonthaburi nePhra Khanong pamwe nevakadzi vehusiku vari muSukhumvit Road vanoziva kwekuvawana. Vakadzi vaviri vekuThai vakambokwereta mari kubva ku'Loansharks' vakashanyira vamwe vanokweretesa pachinyorwa ichi uye hezvino zvakaitika kwavari:
mushandisi 1
Kunze, hapana chakajairika paimba ine nhurikidzwa mbiri muNonthaburi, yanga iri musha wechikwereti chechikwereti kwemakore akawanda. Mudzimai wedu wepachivande paakashanya kuti awane rumwe ruzivo, pakanga paine midhudhudhu mitatu yakamira kunze iyo inoshandiswa nevanotora zvikwereti. Vanhu vanomwe vakanga varipo pauriri hwepasi hwakanga huine fenicha ine mwero yeimba yacho huru. Iyo yazvino "loanshark" inokweretesa kubva pa3.000 Baht kusvika kune inodarika miriyoni Baht. Vatengi vazhinji vanokwereta 5 kusvika 10.000 Baht. Bhizinesi rinobhadhara nekuti anokweretesa chero munhu uye haana basa nezvinoitwa nemutengi nemari. Dzimwe nguva vatorwa vanouya nemukadzi weThai kune chikwereti chenguva pfupi, asi anofarira kusakweretesa kune vatorwa. Mari dzemubereko dzinosiyana kubva pa20% kusvika 60%, zvichienderana nemari yakakweretwa uye nguva yekubhadhara. Kurebesa nguva yekubhadhara, ndipo panochajwawo mubereko.
mushandisi 2
Mukweretesi wechipiri, mukadzi, anogara uye anoshanda mune imwe imba ine mwero paSukhumvit Soi 62. Anonyatsozivikanwa munzvimbo iyi, iyo inosanganisira yakawanda slums uye zvivako zvakakura zvefurati umo varombo veThai vanogara. Anokweretesa mari dziri pakati pe2.000 ne5.000 Baht kune vatengi vaanonyatsoziva. Vatengesi vemunharaunda vanogona kuwana chikwereti chinosvika gumi,10.000 Baht. Anogara mumba nemurume wake nevana. Iwe hausi kuona vaunganidzi vemari pano, asi vanovafonera kana zvichidikanwa.
Anochaja 20% mubereko pazvikwereti nenguva yekubhadhara inosvika mwedzi mumwe, muyero wakajairika kune vazhinji vanokweretesa zvisiri pamutemo. Kubhadhara kunounganidzwa zuva nezuva pane yakatarwa chirongwa. Kana ane chikwereti ari murume, anouya kuzotora chikwereti anenge ari murumewo. Mumwe mukadzi anotora mari anoshanyira vakadzi vakatora chikwereti.
Vangangove vatengi vanofanira kuuya kumba kwake, haashanyire vatengi kumba. Kazhinji vatengi venguva dzose chete vanogona kuwana chikwereti. Munhu waasingazivi ari kuuya kuzokwereta anorambirwa kunze kwekunge aperekedzwa nemutengi anozivikanwa. Munhu anozivikanwa anofanira kubva avimbisa kubhadharwa.
mushandisi 3
Imwe yevazhinji vanokweretesa shark paSukhumvit Soi 3 inoshanda kubva muchitoro chinozivikanwa kune veko vanoita zvepabonde uye inovhura maawa makumi maviri nemana pazuva. Bhizinesi rakanaka ipapo nekuti hapana chikonzero chekushambadza. Mukadzi anotarisira anopa zvikwereti zvinosvika gumi,24 Baht. Kubhadhara kunounganidzwa zuva nezuva kazhinji muzvikamu zve10.000 kana 200 baht. Zvikwereti zvinobvumirwa kwenguva pfupi, kazhinji kusvika kumazuva gumi. Mari yemubereko yezvikwereti ine nguva yekubhadhara inosvika mwedzi mumwe i300%. Sezvakangoita nechikwereti shark muSoi 20, mutengi mutsva anofanira kuunzwa nemunhu waanoziva uye anovimbisa chikwereti.
Kwakabva: (yakapfupikiswa) nyaya naMaxmilian Wechsler muThe BigChili - Bangkok
Sezvinei nezvinhu zvakawanda muThailand, zvese zvinomira uye zvinodonha nehurongwa hwedzidzo.
Zvechokwadi munzvimbo dzine urombo, dzidzo yakawanda inofanira kutarisana nebudiriro uye zvinodiwa zvenguva refu zveThai kuti uvandudze.
Basic nheyo yemasvomhu, economics, kanenge mutauro wekune dzimwe nyika uye nhoroondo uye bumbiro.
Nheyo yekuona nhasi, kuva nehanya nhasi, inofanirawo kukandwa kunze. Kufunga mune (zvishoma) kwenguva yakareba kupfuura zuva rimwe chete kumberi kungave zororo kune vazhinji veThai. Pamusoro pekugara uchiratidza muvakidzani wako zvawakwanisa kutenga nhasi.
Nhasi nhare itsva uye mudhudhudhu hazvireve chinhu chekudya svondo rinouya kana …… Worse.
Neizvi unogona kudzidzisa maThai kuti kana usingakwanise kuwana chikwereti kubva kubhangi nemari shoma, ndiko dziviriro. Iwe haugone kuibhadhara ne loansharke.
Asi hongu ruzivo isimba uye ndicho chinhu icho boka muThailand risingadi kugovera.
Zvinotonyanya kuipa kana muThai atora zvikwereti zvitsva kubva kune imwe Loanshark kubhadhara zvikwereti zvekare. Vanobva vapinzwa mudandemutande rechikwereti chavasingakwanise kubuda mariri. Hazvishamisi kuti vanhu vabheje kuti vawane mari. Izvozvo hazvishande. Chasara kutiza, kuparwa kwemhosva kana kuzviuraya.
Nzanga yeThai yakaoma, usakanganwa izvozvo.
Chirevo muThailand ndechekuti: kamwe mubhuku, usambobuda mubhuku.
Tarisa muPhatunam / Bangkok uye ikozvino zvakare mune yakakura ruzhinji muPhuket, ona akawanda uye akawanda ePakistani kana maIndia mauto muzvitoro, izvi zvinoreva kuti chitoro chakatorwa neaya mapere emari / mari yechikwereti.
MuEkamay nePhra Khanong, vakati wandei veavo vakapfuma mari dzechikwereti vanogara, vanounganidza Ferraris nePorsches, uye vanogara mudzimba dzinodhura kwazvo. Vanobhadharisa 25%, asi muchokwadi, hongu, zvakanyanya, nekuti vanounganidza zuva nezuva kana vhiki.
Vanhu vakati wandei vanogara munharaunda yangu, uye ndinoona mapurisa ipapo nguva dzose, mangwanani-ngwanani, kuti atore matipi / kunyarara mari. Vanofara zvikuru kugovera, kuchengeta zvose zvakavharwa.
Kunyadzisa kukuru.
Dambudziko hombe ndere: muThai haagone kubata mari, uye hapana chaanochengeta panguva dzakaipa.
Ndinogara mumusha muKalasin, munhu wese ane mota, kazhinji midhudhudhu yakati wandei, zvese zvakanaka sezvitsva, asi pandakavhura chitoro chemumusha imomo ndakaona kuti 50% yevatengi vangu vaive nemota yakanaka, asi yavo Havana kugona. bhadhara zvinhu muchitoro changu nemari, zvese nechikwereti, kunze kwemabhodhoro mashoma edoro nefodya, izvo zvakare nechikwereti!
Hapana chinhu chakaoma sekubhadhara chikwereti. Kubhadhara inyaya yenguva refu, kune mafaro kare kare. Kungorega kukwereta ndiko kwakanakisisa. Aimbova musikana wangu akatenga zvese, nharembozha dzinodhura, mota yababa, nezvimwewo. ChiThai chinodzidziswa kuti kukwereta inzira yakanaka yekubhadhara zvinhu. Thai Buddhism inokurudzira: kune nhasi chete, matambudziko ndeamangwana, uye kana ukapinda mudambudziko nekukwereta, hupenyu hwako hwekare hwakanga hwakashata uye hunotevera huchava nani. Zvakare mamwe mweya yakaipa inoda kunyaradzwa, ipapo mhinduro ichauya yega, nenzira yevasina hupfumi farang.
Nzira chete yekubuda mune izvi kurambidza kukwereta, asi hurumende zvakare yakadzika mune izvozvo.
Zvakaipa, nyika yakanaka kudaro…
Kutiza kana kutiza matambudziko ako haisiriyo mhinduro nguva dzose. Aya ma loanshark haazviregi kubva pakubata nehama dzemukwereti kana zvichidikanwa.
Hurumende yeThai inofanirwa kudzikamisa mari yezvinhu zvevatengi (kunyangwe simbi inogona kupihwa mari!). Panofanirawo kuve neBKR (chikwereti chekunyoresa agency) system.
Muno muChiangmai mune - mukuwedzera kumakirabhu emari ezvitoro zvikuru zvemagetsi - zvakare mahofisi matsvuku anozivikanwa. Vanobhadharisa 20-25% ipapo.
Uye kana mutemo ukaisa huwandu hwe15%, zvino mubvunzo unomuka kuti chii chakavakirwa. Nekuti mubereko pamari yako kubhangi iri pasi pe4%.
Uye kana Eric akati / achitarisira kuti Thais achatanga kufunga / kuronga kumberi, ipapo pachange paine zvakawanda zvinoda kuitwa mudzidzo. Uye izvo hazvitarisirwe kana munhu zvino achitaura / kurota nezve mi idiotic kutenga kwe submarines uye HSLs.
Nguva yadarika ndakaverenga kuti kutenga mudhudhudhu pachikamu paHonda dealer yaisvika 33%. Ndakafunga kuti ndakanganisa kuverenga, asi zvaive zvechokwadi.
Ndizvo here pagore kana pamusoro penguva yese yeanenge makore 3-5?
Uye zvinokatyamadza kuti vangani vanoshandisa loanshark, vanogara munharaunda isiri yakakura kwazvo, asi chokwadi ziva 5 kana 6 yenhamba idzi.
Mukadzi ane mabhizimisi akasiyana-siyana ave achiita izvi kwemakore, uye atove akapfuma zvikuru, anogara achivaka mitsara yemakamuri ekurenda panzvimbo yake, pane anenge gumi, nguva 6 makamuri, kuverenga kubva kune purofiti yako.
Kozoitawo mumwe anouya kuzotora mari zuva nezuva kuma 17.0 manheru pane chimwe chitoro apa, vanhu vakawanda vakatomirira, vamwe mazuva ose.
Kozoti imwe inokweretesa vanhu vanoshanda pafekitari, vanogara vachiisa mihoro mubhanga, vanofanira kupa kadhi ravo rekubhanga sechibatiso.
Zvino pamazuva ekubhadhara, mukweretesi uyu anoendesa makadhi kumuchina weATM kuti atore chikwereti nezvikamu.
Ndakanga ndakamira padivi payo kamwechete, ndikaona murume aive nemapasi akawanda aine rubber bhendi akaitenderedza, enda mberi, akafunga kuti zvinoshamisa, asi mukadzi wangu akandiudza zvaaiita, izvo zviri kufadza Thailand.
Kukwereta mari kubva ku loansharks ingori imwe yematambudziko akatarisana neThailand. Dambudziko rinokonzerwa nekusagona kuverenga kwemuThai. Ndakasangana nevanhu vazhinji veThai muIsan vane matambudziko emari nekuda kwekubiridzira mubereko. Pavanyajambwa ivavo vose, hapana aiziva kuti mubereko we20 muzana unorevei. Havana chavanoziva nezvazvo.
Kusagona kuverenga kunogona kurondwa shure kune inopfuura dzidzo isina kunaka inonzwisa urombo.
Munguva ichangopfuura, vakuru vakuru ve100 vakadzingwa basa muBazi Redzidzo muBangkok nemhaka yokupindira kana kukanganisa kuchinja kwedzidzo. Zvinoratidza kuti zvematongerwo enyika zvimwe zvinoita kuti vanhu varambe vachiziva uye vachishingaira mapenzi.
Vakabatwa nezvikwereti havagone kuvimba nerutsigiro runobva kumapurisa. Mapurisa anopihwa chiokomuhomwe pamwero mukuru nevapfumi vanokwereta. Mamongi echiBuddha anoitawo basa rinokosha mukuchengeta vanhu vari mapenzi. Iniwo handisi kuona kuti pane chido chekugadzirisa dambudziko iri kubva kumusoro. Uye pane zvimwe zvikonzero zvakatowanda zveaya mamiriro asina kujairika. Saka mhinduro haitarisirwi munguva pfupi.
Shamwari yangu yaive nezvikwereti zvakati wandei:
1. yemudhudhudhu
2. yemuchina wekugeza
3. pazvinhu zvidiki.
Akafunga kudaro. Ndakangobvunza kuti mari yaiwana pamwedzi. akabva averenga kuti akashandisa marii pamwedzi
1. G/W/L
2. chikafu
3. zvimwe.
Saka zvakazoitika kuti aigona kungobhadhara mari yakatarwa, asi chikafu / zvipfeko nezvimwe? Hazvina kudaro.
Saka ndinoenda kune, semuenzaniso, mubatsiri wemuchina wekuwachisa ndomubvunza: uchaitei kana akasabhadhara (zvekare)? Mhinduro: tora muchina wekugeza! Kwandiri ndakati:
1. unofunga kuti ichiripo here?
2. uye kana iripo iwe uchaitei nayo? Hapana anoda kutenga muchina wekuwachisa nemari yakasara. Mhinduro: tobva tanyora chinhu ichocho ………………
Asi pandakati: Ini zvino ndoda kubhadhara mari yasara, pakutanga vaida mari yacho + mubereko panguva yasara...!!
Yakabvunzwa kuti ndiani aipenga ndokubva mari yaverengwa yaive yasara panguva iyoyo.
Zverekodhi uye kunzwisisa: ava vaive (zvakarongeka) vasiri vakweretesi asi "vane mari" munzvimbo yekutenga.
Musikana akabva aita kosi yekubondera mu "maths" ne "planning". Uyezve, zvinotsanangurwa kuti hapasi nguva dzose munhu akagadzirira kugadzirisa marudzi aya ematambudziko.
Iye zvino anonzwisisa kuti zvinoshanda sei………. kufara.
Kugadzirisa dambudziko re loanshark hakusi nyore.
"Sangano" rinofanirwa kurongwa kuti rishande
kukwanisa kutsika.
MuNongprue, 2 zvikwereti zvikwereti zvakasungwa, zvinoti Tanasaid Haritanaraat
uye Jutarin Poonguin.
Uye muNaklua, Prasert akapetwa neanonzi oparesheni yake yeFranchise.
Havasi vese mapurisa ane chekuita nevanokwereta uye vane humbowo hwakakwana
zviri kuitwa.
kwaziso,
Louis
Kukwereta mari kune ese marudzi ezvinangwa chinhu "chakajairika" muThailand. Kuirambidza nemutemo (izvo zvazvave, nenzira) hazvina musoro zvachose uye zvinotora kuedza kwemakore mazhinji. Yakadzika midzi muhurongwa uye yakapararira zvokuti hazvibviri kuibvisa.
Ini handina dambudziko nezvinoitwa nemaThai kune mumwe nemumwe uye hazvisi zvebasa rangu zvakadaro. Ndiwo mararamiro AVO munyika YAVO, asi ndinoona zvichipokana zvikuru kuti kune maFarang akawanda ari kuitawo basa iri “rakasviba”. Kazhinji inozivikanwa uye inogamuchirwa, farang inongobatanidzwa nemari. Kuburikidza ne "tierakskes" yavo, madzimai ane chitarisiko chisingadikanwi uye madzinza, avo vanowanzo tsvaga mari nyore, vanopedzisira vaita kutengeserana kwakasviba uye, zvisinei nekuti maFarang aya atove nehupenyu hweumbozha uye haana kupfupika chero chinhu, , vanoda zvakawanda, zvakawanda. Zvokuti vanokoshesa kuwana mari kupfuura rukudzo nehana dzavo. Sekuona kwangu, isu hatigone kuita nesimba zvakaringana tichipesana nenhamba idzi, nekuti zvavanoita zvine mhosva: kunyura murombo zvakanyanya munhamo.
Lung addie
Zvechokwadi kune akawanda mafaranga anoitawo kukwereta mari, asi kazhinji pamitengo yakajairika kana kunyange nereti 0, zvinosuwisa kuti zvinoshandawo nokuzvidira kana kwete kumukuru wechikoro kuti abhadharwe. Chandinoona chinopesana nezvekutaura kwako ndechekuti isu hatifanirwe kupindira ne "kukwereta" sekunge uri kure iwe uchiparidza pane ino blog semufundisi watinofanira adaptL nekukurumidza kana chimwe chinhu chakanyanya kutaurwa nezve Thai traffic, mhinduro yako ndeyekugadzirisa / bvuma nokuti tiri munyika yavo, chimwe chinhu chakaipa pamusoro petsika yeThai uye iwe unoparidza kugadzirisa / kubvuma, nezvimwewo saka wadii kuparidza izvi ikozvino maererano nekukwereta / kukweretesa mari?
Kune rekodhi "kukweretesa" zvakare handina mvumo yangu uye zvakare mafarang anokweretesa mari kuThai nemitengo yekubiridzira akawandisa!
Sezvineiwo, handimbonzwisisi kuti sei uchigara uchitaura nezveBelgium nenzira inozvidza kudaro, asi ndiyo imwe hurukuro!
Kukwereta mari? Vakapusa zvakadii dzimwe nguva. Mamiriro ezvinhu: Ndakagara kunze kwemba kunze kwemasikati uye Fortuner hombe inomira. Kupfeka zvakanaka uye bling bling gold yaivepowo, iye naiye vanobuda vobvunza kuti musikana wangu ari kumba here. After my "yes" answer vanopinda mukati and after no more than 3 minutes vobuda futi, vopinda mumota voenda. Ndinopinda ndobvunza; chii chavaifanira kuita? Ah, anodaro musikana wangu, vapererwa nemari uye vanoda kudya muresitorendi inodhura manheru ano uye vanobvunza kana vangakwanisa kukwereta mari. Asi ndakati hatitange izvozvo nekuti wakandidzidzisa izvozvo ndokubva adzokera kunoona chivhitivhiti.
Paunoona kuti vangani vanhu muNetherlands vane chikwereti cheumbozha, kana mbozhanhare, unoziva kuti izwi rekuti "benzi" haringoshande kune Thai chete.
Vazhinji vevanhu vakuru muThailand vakadzidza zvishoma kana kuti vasina.
Uye hapana chavakamboziva muupenyu hwavo asi kuva nechikwereti.
Vakazvarwa vaine zvikwereti zvevabereki uye vanofa nezvikwereti zvavanosiira vana vavo.
hongu, muThailand munhu wese anokwereta kubva kumunhu wese. Kukwereta kuri mumagene avo. Uye uko kune kudiwa kwemari, amoral inobuda kuti iite purofiti. Unozviona pasi rose. MuNetherlands, mutoro wechikwereti wevagari vayo uchiri mukuru pane mari yavo yavakachengeta. Hapana nyika munyika isina chikwereti che skating. Ramba wakadaro.
MuThailand yakavhurika zvakanyanya, muchidimbu nekuti mutsika dzekuMabvazuva vanhu vanosara vaine zuva rakawanda, mangwana tichaona zvakare uye zvakare nekuti havagone kuverenga uye kuwana kushandisa mari zvakajairwa pane kuwana.
Haisi chete Thais ane mhosva yekukwereta. Semuenzaniso, ini ndinoziva nyaya yeDutch imwe nzira yekukwereta, ngatimudane Piet. Piet ane resitorendi uye hotera paSoi Honey Inn. Anoda mari uye anokwereta kubva kune mumwe wevatengi vake venguva dzose uye 'shamwari', ngatimudane Jan. Piet inopa Jan mubereko unoyevedza we21%. Izvozvo zvinonzwika kunzwira tsitsi kuna Jan, anobvumirana uye zvose zvinonyorwa mukunyora. Jan aiwana mari yacho mwedzi woga woga, Piet akanga asati agadzirira kubhadhara. Zvakanga zvave kutanga kutora Jasn nguva yakati rebei uye aida mari iye pachake, saka akakurudzira Piet kuti abhadhare, nguva yakanga yadarika. Kana zvisina kudaro, aizobata gweta kuti atore matanho epamutemo.
Piet akapindura: Enda mberi, asi yeuka kuti tichakupomera mhosva yekukwereta. Unowana mubereko wepamusoro zvisiri pamutemo. Uye kana temu yapera, isu tichamira kubhadhara zvakadaro. Iyo chaiyo yepakutanga nzira yekukwereta, ingoita yakanaka kupa wobva waishandisa kurwisa ishe wako.
Jan haachashanyira shamwari yake, kana neniwo
Chimwe chezvikonzero zvezvakajairwa (kureva nebhangi renguva dzose) maitiro ekukwereta, maitiro ekukwereta (vazhinji veThais vane yavo yekuchengeta mubatanidzwa nevanhu gumi kusvika gumi nevanovaziva) uye kukwereta uku 'kukwereta' kune chekuita nekuwedzera kwekutenga kwehuwandu hweThai. . Kana zvichidikanwa, munhu wese anoda mota kana yepikupi, TV yeflat screen, nharembozha yazvino uye komputa yazvino. Mukuwedzera, doro kana whisky inofanira kunge iri patafura yababa mazuva ose. Makambani mazhinji eThai anoona kuti maThais akawanda anobhadhara mabhiri avo (zvakawanda) kunonoka kana kusatomboripa (foni, internet, magetsi, mvura). Muvakidzani wangu achangotenga (uye akapa mari) mudhudhudhu mutsva kuti aendese mwanakomana wake kuchikoro chesekondari. Asi chikoro chiri kure nemakiromita maviri uye songtaew inomhanya maminetsi ega ega e10 baht pakufamba. Iye zvino ari kumashure mukubhadhara rendi yekondo yake (15 Baht).
Kutenga uku (nemaitiro ekuMadokero) pamwe chete netsika yekuratidzira (tarisa zvandakawana) injodzi isingagadzirisike kumhuri zhinji.
Chimwe chezvikonzero zvechikwereti chepamusoro cheimba muThailand chiri kuwedzera mutengi, unonyora. Icho ndicho chokwadi chimwe chezvikonzero, asi zvechokwadi hachisi chinonyanya kukosha. Zvikwereti zvizhinji hazviitirwe kutenga zvinhu zveumbozha uye zvisina basa (kunyangwe izvozvo zvichiitikawo) asi pamari inodiwa yemumba, kutenga imba, mari yechikoro, mari yekupisa zvitunha nemichato, zvekurima, kumisikidza bhizinesi diki, gadziriso inodiwa nezvimwe. Chimwe chikonzero ndechechokwadi mari yakaderera yevakawanda Thais uye maitiro anonyangadza emari shark ayo hapana hurumende inotya kuita chero chinhu nezvazvo.
http://asiapacific.anu.edu.au/newmandala/2010/10/12/how-much-of-a-burden-is-rural-debt-in-thailand/
http://asiancorrespondent.com/130736/thailand-household-debt/
mudiwa tina,
Mutoro wechikwereti wakawedzera zvakanyanya mumakore achangopfuura muboka repakati uye kunyange mari yakakwira, kwete yakaderera. (Yako yekutanga link inoreva data kubva 2007).
Kana ndikatarisa nharaunda yangu muBangkok, kukwereta kwenyaya dzemba, mari yechikoro uye mari isingatarisirwe imhaka yekutenga. Kubva pamuhoro wenguva dzose, bhangi rinotanga kubhadharirwa mota, iyo moped (nekuti inongotorwa kana nguva yekubhadhara isina kubhadharwa) uye Thai state lottery, uyezve hapana mari yechikoro nerendi. Ini handina akawanda emuenzaniso ipapo asi - mumakore mashanu - mazana mukondomu yangu. Pakupera kwevhiki mushure mezuva remuhoro (zuva rinobhadharwa muhoro), huwandu hwevanhu veThai vanomhanya vakaungana kumashopu ekutenga maitiro evatengi. Pakati pemwedzi, vanhu vatova nematambudziko ekubhadhara. Ndinozvionawo pano payunivhesiti. Vadzidzi vese vane smartphone, asi nhamba iri kuwedzera haina kubhadhara mari yechikoro. Uye havana vabereki 'varombo'.
MuNetherlands, Thais anopindawo mudambudziko nokukwereta kune vanokwereta uye nokubhejera mukhasino uye kutamba rummy pakati pavo nokuda kwemari yakawanda.Vanonyatsova nezvikamu umo havarari kwemaawa 48 uye vachitamba rummy nguva dzose. Mumwe wandinozivana naye akarasikirwa ne1 euros mumusangano wakadai svondo rino. Ivo vanowanzo bvisa register kubva kucasino kwemakore 800 kana 1 kana kukumbira mvumo yekushanya kwavanongokwanisa kuwana bazi reHC 2 kana 1 kana kupfuura nguva. Vanowanzonzvenga izvi nokushandisa kadhi rokupinda ravakwereta kuhanzvadzi yavo kana kuti shamwari panguva yakabatikana apo chengeteko inenge iri shoma. Nenzira, Thais anowanzo guma ari muhoro yekubhejera kana paine kurambidzwa kwekupinda. Pazuva rekutanga remwedzi mutsva iri kuputika nevakadzi vanopenga nemaeuro avo avakawana uye, kana zvinhu zvikashata, kwereta mari kubva kune mumwe kana kuti mari iuye netekisi (loansharks). Vanochajawo mubereko mukuru pakati pavo, uyo, zvisinei, unodonha kana munhu anokwereta achipa mabhati egoridhe sechibatiso (rife and woof) Mukhasino vanogara vakazara nemweya wakanaka pamusoro pemhedzisiro yezuva iro ari kuuya, uye hamugoni kuvapa chimwe chinhu chikuru, mufaro pane kuvashuvira rombo rakanaka CHOK DEE KAP.
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