Ngaba uyafuna ukuzenzela igama kwishishini lezemali? Esikhundleni sokuzikhawulela kwizikhundla ezilula, ezihlawula kancinci, funda ngeyona misebenzi ihlawula kakhulu kwezemali kwaye uqalise ukuzibekela impumelelo.
Ukukunceda ukuba wenze umlinganiselo onokukhetha kuwo kwaye ukhethe ukuba sesiphi isikhundla esinokukufanelekela kakhulu, siqulunqe uluhlu lwezikhundla eziphezulu ezingama-20 zemali ezinemivuzo ephezulu.
Uya kufumana into kolu luhlu ukuze ubambe umdla wakho nokuba usaqala okanye ubusebaleni ixeshana. Musa ukuzibamba; qhubeka ufunda ukuze ufunde malunga nemisebenzi yezemali engama-20 enemivuzo ephezulu.
Isiqulatho
Ngaba Uwulungele Umsebenzi Kwezezimali?
Ukuze uphumelele kwicandelo lezemali elikhuphisana kakhulu, kufuneka ube sempilweni ngokwasemzimbeni nangokwengqondo. Ngokwenyani, amashishini amaninzi aya kuqesha kuphela abafaki-zicelo abakwimeko ephezulu yomzimba kuba befuna ukuba abasebenzi babo basebenze ngeyona nqanaba lifanelekileyo lokusebenza kakuhle.
Ukuba ufuna ukuqeshwa yinkampani ephezulu kwezemali okanye nakweyiphi na enye indawo, nazi ezinye izinto ofanele uzazi malunga nokomelela:
- Ukuba sempilweni ngokwasemzimbeni kunokukunceda ukuba ukwazi ukulawula uxinzelelo kakuhle. Oku kuthetha ukuba uya kukwazi ukucinga ngokucacileyo kwaye wenze izigqibo ezingcono naxa izinto ziba nzima emsebenzini.
- Ukufaneleka kwakhona kunciphisa amathuba akho okuba nesifo sentliziyo, isifo seswekile, kunye neminye imiba yezempilo enxulumene nokutyeba kakhulu okanye ukutyeba.
- Indlela yokuphila esempilweni inokuphucula inkqubo yakho yokugonyeka kwaye yehlise umngcipheko wokugula ngelixa usemsebenzini.
Eyona misebenzi iPhakamileyo kwezeMali-Ikhathalogu yeNgcinga
Owona msebenzi unemivuzo ukwicandelo lezemali. Ngelixa iibhanki zotyalo-mali kunye nabarhwebi banembuyekezo yonyaka phakathi kwe-70,000 yeedola kunye ne-200,000 yeedola, abacebisi bezezimali ngokuqhelekileyo benza i-$ 90,000.
Izigidi zabantu zikhuphisana ngemisebenzi nyaka ngamnye, nto leyo ebangela ukuba ibe lelinye lawona mashishini akhula ngokukhawuleza akhuphisanayo.
Ukuze bafumane isikhundla esiya kubenza bafumane eyona mali ininzi kangangoko benako ngelixa bewonwabela umsebenzi wabo, kubalulekile kuye nabani na ofuna ukusebenza ngemali ukuba azi ukuba yeyiphi eyona misebenzi ihlawula kakhulu kwishishini.
Uluhlu lweMisebenzi eyi-20 ePhakamileyo kwezeMali
Apha ngezantsi yimisebenzi ephezulu engama-20 ehlawula kakhulu kwezemali:
- Ulawulo loButyebi
- Uphuhliso lweNtsebenziswano
- Imali yokuqala okujikayo
- Cwangciso lwezeMali
- ukuthobela
- Uhlalutyo lwexabiso
- Ukulawula impahla
- Utyalomali lwebhanki
- Impahla yabucala
- Ingcebiso ngeRhafu
- Nondyebo
- Ubunjineli bezeMali
- Investment Banking Associate
- Umphathi weHedge Fund
- Ulawulo lwengozi
- Iimali zoMdibaniso
- Uhlalutyo lweeBhanki
- Ibhanki yeNtengiso
- ZeNzululwazi
- inshorensi.
Imisebenzi engama-20 ePhakamileyo kwezeMali
1. Ulawulo lobutyebi
- Ukuqala Umvuzo: $75,000
- Umyinge womvuzo wonyaka: $350,000
Ulawulo lobutyebi lunceda abantu, iintsapho, kunye neenkampani ekulawuleni izibonelelo zabo zemali. Utyalo-mali, ipotfoliyo, kunye nesicwangciso somhlalaphantsi zonke ziinkonzo ezinikezelwa ngabaphathi bobutyebi kubathengi babo.
Isidanga se-bachelor kwishishini, ezoqoqosho, okanye ezemali siyafuneka ukuze uphumelele kule ndawo.
Ngaphambi kokuba uqinisekiswe yiBhodi yeCFP (iqumrhu elongamela lo msebenzi) kwaye uphumelele iimviwo ezinzima, kufuneka ukongeza ubuncinane iminyaka emithathu yamava esebenza njengomcebisi wezezimali.
2. UPhuhliso lweNtsebenziswano
- Ukuqala Umvuzo: $90,000
- Umyinge womvuzo wonyaka: $200,000
Ukulawula ukukhula kweshishini lenkampani yinxalenye yomsebenzi ogxile kwezemali wophuhliso lwentsebenziswano. Amanqanaba aphezulu okuqamba kunye nemvelaphi ayimfuneko, kunye nobuchule obuqinileyo bokunxibelelana.
Lo msebenzi unokuba ulungele wena ukuba unamava angaphambili kumbhalo wokukopa okanye ubudlelwane boluntu. Kumalinge afuna intsebenziswano namanye amasebe, kufuneka ukwazi ukwenjenjalo ngempumelelo.
Ngokuxhomekeke kwindawo yakho kunye nenqanaba lamava, uPhuhliso lweNtsebenziswano lunokukuhlawula naphi na ukusuka kwi-90k yeedola ukuya kwi-200k yeedola ngonyaka ngomsebenzi wakho.
3. IiNkunzi zokuSebenza
- Ukuqala Umvuzo: $80,000
- Umyinge womvuzo wonyaka: $200,000
I-Capital Venture isetyenziselwa ukusungula okanye ukwandisa ishishini. Zombini ityala lemalinge kunye nezabelo zabucala, ezibonelela ngemali kumashishini amancinci, zibandakanyiwe.
Amaqumrhu, oorhulumente, kunye nabantu ngabanye banokusebenzisa imali eyinkunzi yoshishino ukuxhasa ngemali abaqalayo okanye amashishini amancinci.
Ukudala ixabiso ngembuyekezo kwiintengiso ezifunyenwe yinkampani emva kokuba isekiwe kudla ngokuba yinjongo yalo msebenzi wotyalo-mali.
4. Ucwangciso lwezeMali
- Ukuqala Umvuzo: $65,000
- Umyinge womvuzo wonyaka: $175,000
Iinkonzo ezahlukeneyo zemali zibandakanyiwe kuluhlu olubanzi locwangciso lwemali. Iingcebiso zobuqu, zobungcali kunye nezotyalo-mali ziwela phantsi kolu didi.
5. Ukuthobela
- Ukuqala Umvuzo: $60,000
- Umyinge womvuzo wonyaka: $160,000
Ukuqinisekisa ukuba imithetho iyathotyelwa yinxalenye yomsebenzi wokuthotyelwa. Igosa elithobelayo linokuba noxanduva lokugcina umkhondo wokuba zingaphi iiyure abasebenzi abasebenza veki nganye kwaye baqinisekise ukuba abaphuli nayiphi na imigaqo yeshishini okanye umthetho.
Ukuba uhlawulela isidlo sasemini sabasebenzi bakho, unokujonga ukuba bathathe ikhefu ngelo xesha okanye ubuze ukuba bebesebenzisa iselfowuni yobuqu ngelixa besebenza. Ezinye izinto onokuzenza ziquka ukujonga iimoto abagoduka nazo ukuze zifumane iilayisensi eziphelelwe lixesha.
6. Uhlalutyo lobungakanani
- Ukuqala Umvuzo: $65,000
- Umyinge womvuzo wonyaka: $160,000
Ukusetyenziswa kwezakhono zamanani kunye neprogram yekhompyutha ekuxhaseni ukhetho lolawulo yinxalenye yenkcazo yomsebenzi wohlalutyo lobungakanani. Oku kuthetha ukuba uya kuhlalutya idatha kwaye wenze uqikelelo usebenzisa izibalo, izibalo, kunye neprogram yekhompyuter.
Izakhono ezifunekayo ziyafana kuyo yonke imisebenzi kulo mmandla:
- Ubungcali ngeekhompyuter
- Ukuqonda okumandla kwithiyori enokwenzeka
- Ukukwazi ukusebenza ngokuzimeleyo nangaphakathi kwamaqela
- ukuzimisela ukufunda izinto ezintsha ngokukhawuleza.
Kumsebenzi wenqanaba lokungena kolu shishino, isidanga se-bachelor kubunjineli okanye imathematika siyafuneka, nangona sisenokungonelanga ukuba ufuna uqeqesho olukhethekileyo okanye imfundo ephakamileyo (efana nemodeli yezemali).
7. Ulawulo lwempahla
- Ukuqala Umvuzo: $73,000
- Umyinge womvuzo wonyaka: $150,000
Ulawulo lwee-asethi zeshishini okanye umntu lubizwa ngokuba lulawulo lwee-asethi. Abaphathi be-asethi bajongene nokwabela imali kwiinqwelo zotyalo-mali ezahlukeneyo, ukubeka esweni ukusebenza kwazo, kunye nokungenelela ukuba kukho nayiphi na imiba kuloo ngxowa-mali.
Ulawulo lwee-asethi lufuna ukwandisa imbuyekezo kutyalo-mali ngeendlela ezahlukeneyo, ngokubanzi ngokuthengwa kweebhondi kunye nezabelo zamashishini ezingenanzala emisiweyo kodwa ngamanye amaxesha ngokusetyenziswa kwezinto eziphuma kuzo ezifana neekhontrakthi zokhetho kunye nezivumelwano zexesha elizayo.
8. Ukutyala imali ebhankini
- Ukuqala Umvuzo: $60,000
- Umyinge womvuzo wonyaka: $150,000
Enye inkalo yemali kunye neenkonzo zemali yibhanki yotyalo-mali. Kwizibambiso ezifana nezitokhwe, iibhondi, okanye idebenture, ijongana notyalo-mali lwemali evela kumaqumrhu, oorhulumente nakumaziko.
Abagcini bebhanki botyalo-mali bancedisa amashishini ekufumaneni imali eyinkunzi ngokuwanceda akhuphe izibambiso ezifana nezitokhwe, iibhondi, okanye imali ebolekwayo. Ekudibaneni nasekufumaneni, zikwanika isikhokelo (M&A).
9. ULingano lwaBucala
- Ukuqala Umvuzo: $80,000
- Umyinge womvuzo wonyaka: $150,000
Olunye uhlobo lotyalo-mali olulolunye lulingano lwabucala. Ngesidanga sezemali, ngumsebenzi othandwayo kwaye onokuba nengeniso.
Maninzi amathuba abafundi abaphumeleleyo ngaphandle kolu qeqesho longeziweyo, kodwa ukuba ne-MBA okanye esinye isidanga sokuqala kwezemali yeyona ndlela ilungileyo yokungena kwi-equity yabucala.
Iifemu zezabelo zabucala zihlala zizibandakanya kumashishini afuna uhlengahlengiso okanye kwiinkampani ezinamaxabiso estokhwe angasebenzi kakuhle; ngamanye amazwi, bathenga iinkampani ezitsala nzima kwaye bazame ukuzijika ngokwenza uhlengahlengiso olufana namanyathelo okunciphisa iindleko okanye ukuqaliswa kweempahla okanye iinkonzo ezintsha.
abaninzi shishini fumana amakhulu of izicelo ngamnye unyaka ku abantu Khangela kuba imisebenzi, kwezigqibo lo umsebenzi inokwenzeka ngokuqinisekileyo Ukhuphiswano.
10. INgcebiso yeRhafu
- Ukuqala Umvuzo: $50,000
- Umyinge womvuzo wonyaka: $150,000
Ukucebisa ngerhafu ngumsebenzi onengeniso noyimfuneko kwezemali. Ibhanki yotyalo-mali okanye umphathi we-hedge fund, ngowona msebenzi unika umdla nonenyameko onokuba nawo.
Ngokulungiselela nokungenisa iimbuyekezo zerhafu, ukubalwa kwerhafu, kunye nawo nawaphi na amanye amaphepha ayimfuneko, abacebisi ngerhafu banokuqinisekisa ukuba abathengi babo bathobela umthetho.
Basenokubandakanyeka ekubonisaneni, becebisa abathengi ngeendlela zokuthoba amatyala abo erhafu. Oku kunokuba ngumsebenzi wakho ofanelekileyo ukuba ufuna ukusebenzisana namanye amagama amakhulu kwezemali.
11. Unondyebo
- Ukuqala Umvuzo: $80,000
- Umyinge womvuzo wonyaka: $150,000
Icandelo lolawulo lwemali kunye nocwangciso lwefemu libizwa ngokuba ngunondyebo. Ilawula ukuhamba kwemali, izinto ezifunyenweyo, uluhlu lwempahla, kunye nee-asethi.
Ngokulawula imiba yomngcipheko nokuthotyelwa kwesebe labo, ingcaphephe kanondyebo iya kuncedisa ekusebenzeni kwemihla ngemihla kwezi ndawo.
Ngenxa yokuba bajongana nabathengi ngokuthe ngqo yonke imihla, iingcali ze-treasury kufuneka zizazi kakuhle iingqikelelo zoshishino kwaye zibe nobuchule obubalaseleyo bokunxibelelana.
Ukuze wenze iingxelo ezichanekileyo ngalo naliphi na ixesha lemini okanye ebusuku, kufuneka kwakhona zijolise kwiinkcukacha (kuxhomekeke apho usebenza khona).
Imbonakalo yolu bizo ngoku ilungile, kwaye kulindeleke ukuba iqhubeke iphucuka njengoko itekhnoloji iqhubeka nokuguqula indlela esibuphila ngayo ubomi bethu bemihla ngemihla.
12. Ubunjineli bezeMali
- Ukuqala Umvuzo: $75,000
- Umyinge womvuzo wonyaka: $150,000
Injongo yoqeqesho oluncinci lobunjineli bezemali, oludibanisa ubunjineli kunye nobuchule bezemali, kukulungelelanisa imisebenzi yeshishini.
Ubunjineli bezemali licandelo elitsha elidibanisa izakhono zezemali kunye nobunjineli, ezigxile ekuphuculeni iinkqubo ngaphakathi kwemibutho.
Iindima zemisebenzi ziyafana nezo zikumacandelo omabini: abaphathi, iingcali zobuchule, kunye nabahlalutyi zonke ziyimisebenzi eqhelekileyo.
Iinjineli zezemali zinokulindela ukufumana phakathi kwe-75,000 yeedola kunye ne-150,000 yeedola ngonyaka ngokuxhomekeke kwinqanaba lamava abo.
Umvuzo wakho uya kuxhomekeka kwindawo ohlala kuyo kwaye luhlobo luni lwenkampani oyisebenzelayo kunye nokuba ingaba ibonelela okanye ayiniki izibonelelo ezifana ne-inshurensi yezempilo okanye izicwangciso zomhlalaphantsi.
13. Investment Banking Associate
- Ukuqala Umvuzo: $85,000
- Umyinge womvuzo wonyaka: $145,000
Umqeshwa weshishini lezemali ogxile ekuchongeni nasekudaleni amathuba okushishina waziwa njengeqabane lotyalo-mali lwebhanki.
Bakwenza oku ngokusebenzisana nabaphathi abaphezulu kunye namanye amalungu eqela lolawulo ukufumana iiprojekthi ezintsha ezinokuthi zenze inzuzo.
Ukongeza, bancedisa amashishini ekugqibeni ukuba zeziphi iiprojekthi ekufuneka zilandelwe kunye nendlela yokwenza oko ngempumelelo. Ibhanki yotyalo-mali idla ngokuchazwa “njengebhanki yebhanki” okanye “ibhanki egameni labathengi.”
14. Umphathi weHedge Fund
- Ukuqala Umvuzo: $85,000
- Umyinge womvuzo wonyaka: $145,000
I-hedge fund luhlobo lwenkampani yotyalo-mali efuna ukufumana inzuzo kwiinguqu kwixabiso lezixhobo zemali.
Iingxowa-mali ze-Hedge zihlala zenza utyalo-mali kwii-securities ezahlukeneyo, ezifana nezitokhwe kunye neebhondi, okanye zinokubeka i-wagers ebalulekileyo kwiimpahla okanye kwiimali.
Iqela elincinci labantu elilawula utyalo-mali kubatyali-mali abafumileyo liqhuba ii-hedge funds.
Kubantu abaninzi abanqwenela ukutyalomali kunye nenzuzo kwimarike yemasheya, iimali zehedge ziba lukhetho oludumileyo.
Iimali zeHedge ziza kwiintlobo ezahlukeneyo, kwaye zonke zisebenza ngeenjongo ezizodwa kunye namaqhinga.
15. Ulawulo loMngcipheko
- Ukuqala Umvuzo: $71,000
- Umyinge womvuzo wonyaka: $140,000
Indlela inkampani evavanya ngayo kunye nokunciphisa umngcipheko kwimisebenzi yayo yaziwa ngokuba kulawulo lomngcipheko. Imingcipheko iza kwiindidi ezininzi, kodwa zonke zinezinto ezimbalwa ezifanayo:
- Ilahleko yexabiso ngenxa yokusebenza kakubi
- Ilahleko yexabiso ngenxa yobuqhophololo okanye ubusela
- Ilahleko evela kwityala okanye izohlwayo zolawulo.
Ngaphandle kwento yokuba lonke uhlobo lomngcipheko luneempawu zalo ezahlukileyo, kubalulekile ukuba amashishini aqonde ukuba ngalinye linako ukuba nempembelelo kwimisebenzi yalo kwaye kufuneka lisingathwe ngokufanelekileyo.
16. IMali yeQumrhu
- Ukuqala Umvuzo: $62,000
- Umyinge womvuzo wonyaka: $125,000
Okoko bekukho iimarike zemali kwihlabathi jikelele, imali yeshishini ibikhona.
Imali yeshishini ibalulekile ukuba uyiqonde kuba ibandakanya ukufumanisa indlela amashishini asebenza ngayo, yeyiphi imingcipheko ajongene nayo, kunye nendlela yokulawula. Ngamanye amazwi, ukuqonda indlela iifemu ezisebenza ngayo kubalulekile kwimali yeshishini.
17. Umhlalutyi weBhanki yoTyalo-mali
- Ukuqala Umvuzo: $65,000
- Umyinge womvuzo wonyaka: $120,000
Iqondo eliphezulu kunye neminyaka yobungcali bezemali iyimfuneko kwisithuba somhlalutyi weebhanki zotyalo-mali. Uhlalutyo lwamashishini, iimarike, kunye namacandelo yimfuneko yesikhundla ukuze kuhlolwe ukuba kunokwenzeka ukuba baphumelele okanye bangaphumeleli.
Ukusebenzisa iminikelo yesitokhwe okanye ukudibanisa kunye nokufunyanwa, ibhanki yotyalo-mali inokuncedisa imibutho ngokucwangcisa imali (M&A).
Abahlalutyi kwiibhanki zotyalo-mali basebenza kunye nabaphathi bezoshishino abafuna ukuthengisa iminikelo entsha yesitokhwe ukunyusa imali. Le minikelo idla ngokufuna inkqubo ecokisekileyo yonyamekelo phambi kokuvunywa kwebhodi.
18. Ukurhweba ngebhanki
- Ukuqala Umvuzo: $70,000
- Umyinge womvuzo wonyaka: $120,000
Ungancedisa amashishini ekulawuleni iimali zawo ngokusebenza kwiibhanki zorhwebo. Unezi bophelelo zilandelayo:
- Uthethathethwano ngeemali-mboleko kunye nezinye izivumelwano zoshishino
- Ukulawula uluhlu lwee-akhawunti ezifunyenweyo, kunye ne-inventri
- Ukulungiselela iinkcazo zemali zeqela labaphathi benkampani, abatyalwayo kunye nabatyali-mali
Iibhanki zorhwebo kufuneka zibe ngabanxibelelanisi ababalaseleyo kuba benxibelelana nabathengi yonke imihla. Bamele baqhelane nayo yomibini imigaqo yocwangciso-mali kunye nemithetho elawula ukusebenza kwezemali (njengokubhanga).
Phambi kokufaka isicelo semisebenzi efana nale ikhankanywe ngasentla, kufuneka ubuncinci ube nesidanga sokuqala kwezemali okanye kwezoqoqosho kwiziko eligunyazisiweyo okanye idyunivesithi, kunye nobuncinci beminyaka emithathu yamava osebenza kwindawo yenqanaba lokungena kweli shishini.
19. Inzululwazi ye-Actuarial
- Ukuqala Umvuzo: $60,000
- Umyinge womvuzo wonyaka: $120,000
Abachwephesha bahlalutya umngcipheko weziganeko zexesha elizayo ezinokuthi zenzeke kwaye babale amathuba okuba ziya kwenzeka. Basebenza kwicandelo lezemali, lezempilo, kunye ne-inshurensi.
Abachwephesha kufuneka babe nesiseko esiluqilima semathematika kunye nolwazi oluntsonkothileyo lwezibalo ukuze baphumelele kumgca wabo womsebenzi.
Phambi kokuba ujoyine iyunivesiti emva kokuphumelela kwisikolo samabanga aphakamileyo (okanye nangaphambili), abafundi abaninzi abafunda izifundo ze-actuary bafunda izifundo ezifana necalculus okanye ithiyori enokwenzeka, ngoko ke kubalulekile ukujonga ukuba ezi zifundo ziya kukunceda na ukulungiselela olu bizo.
20. SeInshshu
- Ukuqala Umvuzo: $50,000
- Umyinge womvuzo wonyaka: $110,000
Isixhobo sokulawula umngcipheko, i-inshurensi ibonelela ngokhuseleko lwemali ngokuchasene nelahleko yemali. Ikwabandakanya inkqubo yokuhlalutya kunye nokunciphisa imingcipheko kwiinjongo zeprojekthi ukuze kujongwane nazo phambi kokuba zenzeke.
I-inshorensi sisivumelwano esenziwa yinkampani yeinshorensi nomntu okanye ishishini esichaza oko kuya kwenzeka xa kwehle intlekele nokuba iza kuxabisa malini na.
Kuxhomekeka kuhlobo lokhuselo olukhethayo, kukho imigaqo yokuhlawula eyahlukileyo, kodwa uninzi lwemigaqo-nkqubo lugubungela ilahleko efana neengozi zemoto, iindleko zesibhedlele, kunye nomvuzo olahlekileyo ngenxa yeengozi okanye izigulo ezifunyenwe ngelixa usebenza.
Imibuzo ebuzwa qho:
Uthini umahluko phakathi komphathi we-hedge fund kunye ne-investment banker?
Umphathi we-hedge fund usebenzela inani eliqingqiweyo labatyalo-mali, ngokuchasene nababhanki botyalo-mali abasebenzela iibhanki ezinkulu okanye amanye amaziko emali. Ukongeza, iimali zeheji zihlala zineemfuno ezingqongqo kunezentengiso zemveli (umzekelo, inkuthalo efunekayo kuzo zonke izivumelwano).
Uthini umahluko phakathi kwegosa lokuthobela kunye nomphicothi-zincwadi?
Amagosa othotyelo lwemithetho anoxanduva lokuqinisekisa ukuba inkampani yawo iyayithobela yonke imimiselo enxulumene nerhafu kunye nezenzo zengqesho, abaphicothi-zincwadi bajonga ukuba ulawulo lwangaphakathi lusebenza ngokufanelekileyo na ukuze iirekhodi ziqinisekiswe kamva xa zifunwa ngabalawuli okanye abaninizabelo (okanye zombini).
Uthini umahluko phakathi komphathi wezabelo zabucala kunye nebhanki yotyalo-mali?
Umanejala wezabelo zabucala uthenga kwaye uthengise iinkampani, ngelixa oobhanki botyalo-mali basebenza ekudibaneni nasekufumaneni izinto (M&A). Ukongeza, abaphathi bezabelo zabucala bakholisa ukuba nemali eninzi kunabo basebenza kwiibhanki zotyalo-mali.
Zeziphi iindidi ezingundoqo kwezemali?
Kukho iindawo ezine eziphambili zezemali: i-corporate, i-accounting yoluntu, amaziko, kunye neebhanki. Iimalike zezemali kunye nabameli ziphakathi kwezihloko ezininzi ezigutyungelwe ziikhosi zezemali ezinkulu ezinika abafundi isiseko esivakalayo.
Sincoma kwakhona:
- Iidyunivesithi ezili-15 eziGqwesileyo kwezeMali e-UK
- Iidyunivesithi ezingama-25 eziGqwesileyo kwezeMali
- IiMasters ezingama-25 eziBalaseleyo kwiNkqubo yezoQoqosho
- Iidyunivesithi ezili-20 ezitshiphu eCanada zaBafundi baMazwe ngaMazwe
- Iidyunivesithi eziPhezulu ze-20 eCanada.
Isiphelo:
Inkalo yezemali ifuna umgudu omkhulu kunye nokuzinikela. Ngobuninzi babantu abangena kwindawo yonke imihla, ishishini liye lakhula ngokukhawuleza kule minyaka imbalwa idlulileyo.
Eli shishini lelinye lawona anengeniso yokusebenza ngenxa yokukhula okubonakalayo kwemfuno yabantu abafanelekileyo.
Abantu kulo mmandla banamathuba amaninzi okuhlola itekhnoloji entsha evelayo.
