Ishishini Elinembali Ende

Umzi-mveliso wokuchwela kaJohn wawungowona wakhiwe kakuhle nonezixhobo ezaneleyo kwindawo awayehlala kuyo. Wayezidla gqitha ngawo yaye ewuthanda. Kodwa ngobunye ubusuku kwaqhambuka umlilo. Kwiiyure ezimbalwa, umzi-mveliso watsha wanqanqaza waluthuthu.

NGAPHAMBILANA, uJohn wayekhe wayicinga into yokuthenga i-inshorensi yomonakalo onokubangelwa ngumlilo ngenxalenye yemali awayakhe ngayo umzi-mveliso. Noko ke, waqiqa ngelithi: ‘Ndilumkile. Yaye ukuba awubangakho umlilo, i-inshorensi iya kuba yinkcitha-mali.’ Wafika ke umlilo. Ukuba umzi-mveliso kaJohn wawuneinshorensi, ngewayekwazile ukuphinda awakhe. Ngenxa yokuba wayengenainshorensi, akazange akwazi.

Yintoni I-inshorensi?

I-inshorensi ayisoloko ilutyalo-mali apho umntu elindele ukubuyiselwa imali yakhe. Asikuko nokungcakaza. Umntu ongcakazayo uzibeka esichengeni, ngoxa i-inshorensi ikukhusela ezingozini ezikhoyo. I-inshorensi yindlela yokwabelana nabanye ngeengozi.

Ukususela kumaxesha amandulo, abantu baye babekela bucala inxalenye yobuncwane babo ukuze bancede abantu abaye balahlekelwa kokuthile. Malunga neminyaka engama-3 500 eyadlulayo, uMoses wayalela uhlanga lwakwaSirayeli ukuba lunikele ngenxalenye yemveliso yalo ngamaxesha athile lusenzela ‘umphambukeli nenkwenkwe engenayise nomhlolokazi.’—Duteronomi 14:28, 29.

Imvelaphi Yeinshorensi

I-inshorensi ibikho kangangamawaka eminyaka. Uhlobo oluthile lweinshorensi enengeniso yayiqukiwe kuMthetho kaHammurabi, ingqokelela yemithetho yaseBhabhiloni ekucingelwa ukuba yayikho ngaphambi koMthetho kaMoses. Ukuze baxhase uhambo lwabo lokurhweba kumaxesha amandulo, abanini-zinqanawa babeboleka imali kubatyali-mali. Yayithi yakuzika okanye iqhekeke inqanawa, abaninizo bangayibuyisi loo mali babeyibolekile. Ekubeni iinqanawa ezininzi zazibuya zikhuselekile, ingeniso ehlawulwa ngabanini-zinqanawa ezahlukeneyo yayisanela ukubuyisela abo babebaboleka.

Kwakunjalo ke ngaselunxwemeni kangangokuba kwavela omnye weyona mizi yeinshorensi idumileyo ehlabathini, iLloyd’s of London. Ngowe-1688, uEdward Lloyd wayenevenkile ethengisa ikofu apho abarhwebi nabanini-bhanki baseLondon babedibana khona ukuze baqhube intengiselwano. Apho aba nondyebo babetyobela izivumelwano zeinshorensi zokuhlawulela nayiphi na ilahleko abantu abahamba ngolwandle abanokuyifumana. Aba nondyebo babizwa ngokuba ngabameli beinshorensi. Ekugqibeleni, ngowe-1769, iLloyd’s yaba liqela labameli elahamba lahamba lahlawulela iilahleko ezenzeka elwandle.

I-inshorensi Namhlanje

Nanamhlanje, xa abantu bethenga iinkonzo zeinshorensi, babelana nayo ngelahleko enokubehlela. Iinkampani zakutshanje zeinshorensi ziphanda uhlolisiso lwelahleko yangaphambili—ngokomzekelo, ilahleko ebangelwa kukutshiswa kwemizi-mveliso ngumlilo—ngelokuzama ukuqonda ilahleko enokwehlela abathengi beenkonzo zazo kwikamva. Inkampani yeinshorensi isebenzisa imali ehlawulwe ngabathengi beenkonzo zayo ukuze ibuyisele abanye abathengi abaye balahlekelwa.

Ngaba uyayifuna i-inshorensi? Ukuba kunjalo, luluphi uhlobo lweinshorensi olufanele iimeko zakho? Enoba unayo i-inshorensi okanye akunayo, yiyiphi imiqathango enokukunceda uhlangabezane neengozi zobomi?

[Umfanekiso okwiphepha 21]

Omnye weyona mizi yeinshorensi idumileyo waqalisa kwivenkile ethengisa ikofu

[Inkcazelo]

Courtesy of Lloyd’s of London