Hlukana ne-Genocide: Hlukana Nebhange Lakho!
Sicela abantu baseCanada basayine isibambiso sokukhipha imali yabo emabhange axhasa ukuqothulwa kohlanga futhi bayitshale kabusha kwezinye izindlela zokuziphatha okuhle, njengezinyunyana zasendaweni zezikweletu.
Kungani wenze isifungo? Ukuqala, i-Scotiabank, i-CIBC, i-Bank of Montreal, i-RBC kanye ne-TD itshala imali eningi ezinkampanini ezikhiqiza izikhali ezihlinzeka ngokuqondile ngezikhali i-IDF ezisebenzisayo ekuqothulweni kohlanga kwabantu basePalestine ngesihluku. Bangabaxhasi abakhulu benhlekelele yesimo sezulu, umsebenzi, kanye nempi emhlabeni jikelele.
Funda kabanzi ngezansi…
Ongena kuma-imeyili ethu ngefomu elingenhla ukuze uthole izinsiza, imicimbi, namanye amathuba okuxhumana nomphakathi wabantu abazibophezele ekuhlukaniseni amabhange nokuthola ezinye izindlela zokuziphatha.
Amabhange AseCanada Axhasa Ngezimali Izinkampani Ezihlomisa Ibutho Lakwa-Israeli
Umfanekiso ongezansi uyakhombisa abambalwa kuphela yokutshalwa kwezimali kwamabhange aseCanada ekukhiqizeni izikhali njengamanje ahlomisa u-Israyeli. Wonke amabhange amakhulu tshala kakhulu izikhali, ukugadwa kwezempi, nezimboni zikaphethiloli, ezibhebhethekisa impi, umsebenzi, kanye nezinhlekelele zesimo sezulu emhlabeni jikelele.
Isibonelo, i Umkhankaso Wokuqeda Izikhali Zenuzi ibika ukuthi iCanada “iyizwe lesihlanu elitshala imali kakhulu [ezinkampanini ezikhiqiza izikhali zenuzi] elinesamba esingu-$26,383,000,000 USD ekutshalweni kwezimali…Ngokushaqisayo, lokho cishe kungamaRandi ayizigidi ezingu-1 ECanada Ngalinye!” Amabhange Amakhulu (kanye namaDesjardins) aphakathi kwabatshalizimali abaphezulu kakhulu kuleso sibalo.
Ngokuvumelana ne Ithrekhi yasebhange, i-Scotiabank (inkampani engaphansi ihlanganisa i-Tangerine), i-BMO, i-Manulife, ne-RBC zonke zisekela ngokwezimali izindawo zokuhlala zakwa-Israyeli ezingekho emthethweni eNdaweni Yase-Occupied Palestinian Territory ngamasheya emabhange akwa-Israel. Ngaphezu kwalokho, amabhange aseCanada ahlulekile ukuhlukana nezinkampani eziyi-112 ezisohlwini lwe- Isizindalwazi se-UN sezinkampani ezibandakanya ezindaweni zokuhlala zakwa-Israyeli ezingekho emthethweni ePalestine Ethathiwe.
Liyini Iqhaza Lebhange Lami?
Inhlekelele Yesimo Sezulu kanye Nokwephulwa Kwamalungelo Omdabu
Amabhange kanye namafemu okutshalwa kwezimali ngokuvamile azama ukusikhohlisa ngezinhlelo ezisebenzayo, ezikha phezulu, noma eziyimpinda ezithi zivikela isimo sezulu (ukushisa okuhlaza okotshani), sebenza nemiphakathi yomdabu (ukuhlanza), noma wenze umthelela emphakathini (ukugeza okunomthelela). Kepha njengoMat Price, umqondisi omkhulu we-Investors for Paris Compliance, esanda kushiwo: “Okuhle kakhulu, ezezimali ezimeme njengoba okwamanje zisetshenziswa amabhange amakhulu aseCanada i-placebo engu-$2 trillion. Okubi kakhulu, wukucwiliswa luhlaza kwamabhizinisi asebenzisa i-carbon, edukisa abatshalizimali kanye nomphakathi.”
Kusukela amabhange aseCanada asayine isivumelwano sesimo sezulu saseParis ngo-2016, asephenduke Abangu-5 kwabangu-6 abaxhasi bezimali abakhulu bomhlaba be-tar sands - lokhu kubalelwa ngaphezu kwezigidigidi ezingama-700 zamarandi ekutshalweni kwezimali. I-RBC iyodwa umxhasi omkhulu wezinto zokubasa ezimbiwa phansi emhlabeni jikelele.
The Yellowhead Institute iphawule ukuntuleka kwamabhange Amakhulu Ezinhlanu ZaseCanada ekusebenziseni okunengqondo Imvume Yamahhala, Yangaphambili Nenolwazi (ilungelo lemiphakathi yomdabu elichazwe ku-UNDRIP). Ukutholakala “kwamanzi” adlangile lapho amabhange ecasha khona ngale “kwezinqubo zokuzinikeza izitifiketi kanye nemigomo engacacile Yokuzibophezela Komphakathi (CSR)” kuyilapho eqhubeka nokuxhasa ngezimali amaphrojekthi aphula amalungelo abantu boMdabu ezindaweni ezifana ne-Standing Rock, Wet'suwet'en Yintah, kanye ne-Transmountain Expansion.
Uyaqiniseka ukuthi sekuyisikhathi sokuqhubeka?
Ukukhipha imali kuyindlela enamandla yokwazisa amabhange ukuthi asivumi ukuthi imali yethu isetshenziselwe ukuxhasa ukubulawa kwabantu, ukwephulwa kwamalungelo abantu, ukwenziwa kwamakholoni kanye nokucekelwa phansi kwesimo sezulu. Sesihlangene, sandisa ingcindezi emabhange aseCanada ukuthi atshale imali, sibe sitshala kabusha imali yethu emhlabeni ongcono - a world beyond war.
Kungani Izinyunyana Zezikweletu Ziyinye Indlela Engcono Yamabhange?
Izinyunyana zezikweletu kanye nama-caisse populaires (Quebec) angamalungu, izikhungo zezezimali ezisebenzisanayo. Lokhu kusho ukuthi aphethwe futhi alawulwa abantu abawasebenzisayo, anikeza izindlela zokuziphendulela ezingatholakali emabhange. Ezinye izinyunyana zezikweletu zibuyisela inzuzo kumalungu njengezabelo, izinkokhelo ezincishisiwe, amanani okonga aphezulu, noma amanani emalimboleko aphansi. Izinzuzo nazo zivame ukunikelwa noma zitshalwe ezinhlelweni zomphakathi wendawo.
Ezinyunyaneni zezikweletu, uyilungu/umnikazi wesabelo, hhayi nje ikhasimende. Lokhu kusho ukuthi uthola izwi endleleni isikhungo esiphathwa ngayo, okuhlanganisa ne ivoti elilinganayo (kungakhathalekile i-akhawunti yakho noma osayizi botshalomali) ukuze ukhethe ibhodi yabaqondisi ephethwe ngamavolontiya. Le nqubo yentando yeningi kanye nokugxila okucacile komphakathi kwezinyunyana zezikweletu ngokuvamile kuzenza kube enye indlela enezimiso zokuziphatha, kuyilapho zihlinzeka ngemikhiqizo namasevisi amaningi afanayo (abantu kanye nezamabhizinisi) njengamabhange amakhulu! Imali yakho ivikelekile futhi ifakwe umshwalense kahulumeni, njengasebhange.
Sebenzisa le mephu esebenzisanayo ukuze uthole inyunyana yezikweletu eduze nawe! https://ccua.com/about-credit-unions/find-a-credit-union/
Sebenzisa lokhu umhlahlandlela onemininingwane kubangani bethu e-Change Course kanye Nekusasa Lethu mayelana nendlela yokuhambisa imali yakho ebhange bese ukhetha inyunyana yezikweletu ekulungele kangcono. Sebehlanganise okunye amaphrofayli ezinqubomgomo zezinyunyana zezikweletu kumafutha ezinto ezimbiwa phansi.
Isizindalwazi esiseshekayo seBank Green ikunikeza umbiko ngamabhange kanye nomthelela wemvelo wezinyunyana ezinkulu.
Izinyunyana zezikweletu/i-caisse populaires nazo azigomekile ekutshalweni kwezimali okungenasimilo noma imikhuba efana nokuwasha indawo eluhlaza, ukuwasha nokuwasha okunomthelela. Njengesibonelo esisodwa, i-Desjardins itshalwe kakhulu kuyo UJacobs Engineering, esekela ukwenziwa kwezikhali zenuzi zibe zesimanje. Nakuba lokho kudumaza kakhulu, ungadangali! Njengoba amalungu sinamandla engeziwe kanye nezindlela zokubamba izinyunyana zethu zezikweletu ziphendule. Buza ukuthi banazo noma bazozibophezela ekukhipheni utshalomali ku-:
- izibaseli ezimbiwa phansi kanye nezimayini
- izikhali, amajele namaphoyisa
- izinkampani ezifakwe ohlwini Isizindalwazi se-UN sezinkampani ezibandakanya ezindaweni zokuhlala zakwa-Israyeli ezingekho emthethweni ePalestine Ethathiwe
- izinkampani ezibalwe yi- I-BDS Coalition
- izinkampani ezephula amalungelo oMdabu, achazwe ku-UNDRIP
Ngokuba ilungu le-credit union/caisse populaires, awuhlukani kuphela namabhange azohlala ebeka inzuzo phezu kwabantu, futhi uba ummeli oyedwa wezikhungo zezimali ezigxile emphakathini. Uma usushintshile, gcwalisa yethu inhlolovo esheshayo, engaziwa ukusitshela ngakho! Lokhu kusisiza ukuthi silandele umthelela oyiqoqo.
Ingabe ukwenza ukushintsha okuphelele manje kubonakala kungaphezu kwamandla? Kulungile!
Okokuqala, sayina isibambiso sokuzibophezela ekuthutheni imali yakho ngokushesha nje lapho usukwazi.
Ungaqala ngokususa ingxenye yokonga kwakho ebhange lakho uye enhlanganweni yezikweletu yendawo. Ukuhambisa isamba semali yokonga kuzoshaya ibhange lakho lapho bengezwa khona. Yazisa ibhange lakho ukuthi kungani uqhubeka! Senze uhlaka a inothi lokuhlukana ukukusiza.
Ukushintsha imali yokonga kanye nokuhlola ama-akhawunti uye ku-credit union/caisse populaire kulula kakhulu, kodwa izimali namasheya otshalwe kuzo ngokwakho iyiphi isikhungo sezezimali singaba nenkinga. Nazi ezinye izindlela zokuhlola…
Yazi Ukuthi Utshale Kuni
Ingabe unalo uhlu olubuyekeziwe lwesitoko sakho samanje kanye/noma izimali otshale kuzo? Ungacela umeluleki wakho wezezimali ngalokhu uma unaye. Ngezimali ezilawulwa isikhungo (isb. i-RRSP yeqembu ngomqashi), lokhu kungase kutholakale kalula ku-inthanethi noma ungakucela esikhungweni.
Okulandelayo, hlola lezo zinkampani! Amathuluzi amaningi ayatholakala ukuze ahlole ukuthi izimali noma izinkampani zitshalwe ezikhalini, enuzi, ekuboshweni kwabantu abaningi, emisebenzini, emngceleni nokubhekwa, noma kumafutha ezinto ezimbiwa phansi:
Awujabule Ngalezo Zitshalomali? I-Divest!
Ungase ukhethe izinketho ezahlukene kuye ngesimo sakho kanye nokutshalwa kwezimali. Uma utshalwe uwedwa esikhwameni noma enkampanini engalungile, lokho kulula ukulungisa ngoba uyakwazi ukulawula! Khuluma nomeluleki wakho wezezimali mayelana nokungafakwa okunzima (isb. “Angifuni ukutshala izimali kunoma yiziphi izinkampani ezibandakanyeka ezikhalini, ejele, ezimbonini zikaphethiloli noma ezimayini, futhi ngifuna ukuzishiya ngaphandle izinkampani eziyi-112 ezibalwe ku. I-Database ye-UN njengoba ihlangene nobugebengu bezempi bakwa-Israel").
Cabangela ukuthi izinketho 'zokutshala imali okufanele' zingabandakanya ukutshalwa kwezimali kohulumeni, izinkampani 'eziluhlaza', namabhange asekela impi, imisebenzi, ukubhekwa, njll. Uvunyelwe ukubuza mayelana futhi ungafaki noma yini—kuyinto. yakho imali!
Uma isikhungo sakho sinikezela ngezimali eziyinkinga, sicindezele ukuthi sihlukane nezimali ezithile futhi unikeze ngezimali zesimilo, noma ucele umphathi wesikhwama ukuthi asuse izinkampani ezinezinkinga ezikhwameni (uma zizimbalwa). Lokhu umnyakazo onamandla — bona ukuthi ungakwazi yini ukusebenzisana nabanye ukwenza lezi zingcingo zesikhungo! Phusha ukuthi izikhungo kanye nabaphathi bezimali badale ecacile futhi ethize izinqubomgomo zalokho abangakubandakanyi nabakufaka ekutshalweni kwezimali. Hlola https://worldbeyondwar.org/divest/ ama-toolkits nezibonelo zemikhankaso eyimpumelelo yokuhlukanisa eqondise izikhungo, amadolobha, nezikole!
Ingabe uhlelo lwakho lwempesheni lutshalwe ebugebengwini bempi? Kwabaningi baseCanada, kunjalo. Bheka imikhankaso yethu ye-divest eqondiswe ku- Uhlelo lwempesheni yaseCanada futhi Uhlelo Lwempesheni Yothisha lwase-Ontario.
Invest in Okuthile Ongakujabulisa Ngayo!
Izinqumo zakho zokutshala imali zinamandla alinganayo njengezinketho zakho zokutshala imali! Uma unokulawula komuntu ngamunye phezu kwezimali ozitshalile, amanye amathuluzi/izizindalwazi ezibalwe ngenhla zingakusiza uthole ukutshalwa kwezimali ongazizwa kahle ngakho (isb. https://fossilfreefunds.org/).
Cabanga nge isu lokutshala imali elinomthelela womphakathi efaka imali enkulu kumaphrojekthi endawo anezinzuzo zomphakathi kanye/noma zemvelo. Ibeka phambili i-ejensi kanye nokuzikhethela kwemiphakathi evamise ukukhishelwa ngaphandle ekutshalweni kwezimali okuvamile.
Tshela umeluleki wakho wezezimali ukuthi yini ongathanda ukuyitshala in nokuthi yiziphi izinketho abanazo. Ungase ufune ukubheka umeluleki wezezimali ogxile ekutshalweni kwezimali okunesibopho somphakathi. Ungesabi ukubuza imibuzo, cacisa, futhi ugcizelele—imali yakho lena, hhayi eyabo!
Kuthiwani Nge-My Mortgage?
Ngeke sikwazi ukukutshela ukuthi yini engcono kakhulu ongayenza mayelana nezikweletu zezindlu noma ezinye izikweletu ngamabhange. Isikhathi kanye nokucatshangelwa kwalokhu kuzoba icala ngalinye. Kodwa kufanelekile ukubheka-ukukhipha imali yakho ye-mortgage kuyinto ikakhulukazi umnyakazo onamandla! Umbolekisi wakho omusha, njengenyunyana yezikweletu, angase abe nayo ukusiza ukukhokhela izindleko ezihambisana nokushintshwa. Khuluma nezinyunyana zezikweletu mayelana nentshisekelo yakho yokuhambisa imali yakho yezindlu futhi ubone ukuthi zingakunikeza ini.
Hlukana Nebhange Lakho I-Webinar
NgoMashi 20, 2024 eToronto World BEYOND War isingathe ingxoxo yephaneli esekelayo ukusiza ukwakha ukuqondana kulokhu:
I-1) Izindlela amabhange aseCanada axhasa ngazo ubukoloni, umsebenzi, impi, kanye nenhlekelele yesimo sezulu. Kubandakanya ukugxila okukhethekile ekubambeni iqhaza kwamabhange aseCanada ku-settler colonialism kanye nokuqothulwa kohlanga e-Turtle Island nase-Palestine.
2) Ungawahambisa kanjani ama-akhawunti akho ezezimali kanye nokutshalwa kwezimali kwezinye izindlela zokuziphatha okuhle, njengezinyunyana zamalungu ezikweletu.
3) Izinsiza zokuthola ukwesekwa okuhlangene kokuhlukana nodlame kanye nokutshala kabusha ekusaseni elingcono labo bonke abantu!
Siyabonga kubaphaneli bethu abamangalisayo u-Eve Saint, uKaren Rodman, noTim Nash.
