Ubunikazi be-fractional: Indlela entsha yokuba ngumnikazi wezimpahla emnothweni owabiwe

• About the Author:
• Igama lomlobi

  I-Quantumrun Foresight
• December 12, 2023

Isifinyezo sokuqonda

Ubunikazi bezingxenye ezithile, indlela lapho amaqembu amaningi abelana ngezindleko nezingozi zokuphatha impahla, buyazuza emikhakheni ehlukahlukene efana nezindawo ezithengiswayo, ubuciko obuhle, nezitoko, ngenxa yezinkontileka ezihlakaniphile. Kungenye indlela ethengekayo yobunikazi obubodwa, okwenza izinto zikanokusho njengezindlu zokuvakasha, izindiza ezizimele, nama-yachts kufinyeleleke kwabaningi. Lo mqondo udlulela kwezolimo namaphrojekthi womphakathi, ngezibonelo ezifana ne-US Community Land Trusts kanye Nohlaka Lokwabelana Ngalo Lobunikazi Base-UK lwamandla avuselelekayo. Lokhu kulawulwa kwentando yeningi kobunikazi, nakuba kunezingozi eziphakeme, kulindeleke ukuthi kugqugquzele isithakazelo ekuhwebeni okuncane futhi kuhehe abatshalizimali abancane, kuguqule isimo sokwakhiwa kwengcebo nokuthuthukiswa komphakathi.

Umongo wobunikazi bengxenye

Ubunikazi bezingxenye ezithile buyindlela ehlukile yokuthenga okuqondile, okuvumela ukwabelana ngezindleko nokusebenzisa kahle okwabiwe kwezimpahla zikanokusho, njengezindlu zeholide, izindiza ezizimele, nezikebhe. Ngaphandle kobunikazi obuyingxenye, lezi zinto zingabiza kakhulu ukuthi abantu abaningi bangakwazi ukuzikhokhela ngazinye. Ukwengeza, ubunikazi bokubambisana bukhuthaza ukuthuthukiswa kwemiphakathi yendawo ukuze ilawule amaphrojekthi omphakathi futhi inikeza ukufinyelela okukhulu ezinsizeni ezibalulekile. 

Isibonelo sobunikazi obuyingxenye ukulima. Ingqalasizinda yezolimo ingathathwa njengempahla yomphakathi evamise ukulawulwa abalimi bendawo. Ezolimo ezizinze emphakathini zivikela amalungelo obunikazi emaqenjini asemakhaya futhi ziqede ububha. Ukwengeza, ubunikazi beqembu bungasheshisa ukutshalwa kwezimali kokukhiqiza.

Esinye isibonelo sobunikazi obuyingxenye sihlanganisa i-US Community Land Trusts, eqondiswa izinhlangano ezingenzi nzuzo ezihlinzeka ngamathuba ezindlu athengekayo kubantu abahola kancane kusukela ngo-2022. Khonamanjalo, ngo-2014, uhulumeni wase-UK wethula Uhlaka Lwawo Lobunikazi Obubiwe ukuze kukhuthazwe izinkampani nemiphakathi yasendaweni ukuthi ukwabelana ngobunikazi bephrojekthi yamandla avuselelekayo, okuzosiza ukwenza ukushintshela emithonjeni yamandla aluhlaza kube lula.

Umthelela ophazamisayo

I-Blockchain kanye ne-tokenization kukhuphule ubunikazi be-fractional ezingeni elisha. Indlela ekhethwayo yobunikazi bempahla ubunikazi obufakwe amathokheni, njengoba busobala, ishibhile, futhi buhlukaniselwa amazwe. Lolu hlobo lobunikazi luyachuma ngaphakathi kwesikhala sethokheni engafungi (i-NFT) eyaziwa ngokuthi ama-F-NFT noma ama-NFT ayingxenye.

Isibonelo senkundla yobunikazi obunamathokheni i-Fractional.art, esingethe amaqoqo ambalwa obuciko bedijithali adumile noma ubani angaba umnikazi wawo ngokwengxenye kusukela ngo-2022. Enye indawo yemakethe eyingxenye, i-The Piece, inikeza ubuciko obabiwe kanye nobunikazi bezindlu. Ekugcineni, ngo-2022, u-Otis wethula ubunikazi obuyingxenye bokuqoqwa okungavamile, njengezincwadi, amakhadi ezemidlalo, namateku aphambili.

Enye indawo esafufusa ekhuthaza ubunikazi bomphakathi ukutshala imali. Ngo-2019, inkampani yokuqala i-Robinhood yethula ukuhweba ngamasheya okuyingxenye kuhlelo lwayo lokusebenza ukuze kwehliswe izithiyo zokutshala imali kwabangase babe ngabatshalizimali. Isici sivumela abasebenzisi ukuthi bahwebe ngezitoko zobuchwepheshe ezidumile njenge-Amazon, ehweba cishe ngama- $1,700 USD ngesheya ngalinye, ngemali encane njenge-$1 USD.

Imizamo efana ne-F-NFTs kanye nokuhweba ngamaqhezu nakanjani kuzovula izinsiza zezezimali zentando yeningi, okuhlanganisa nezinhlelo zokutshala kabusha kanye nokusetshenziswa okwandayo kwabeluleki be-robo. Nakuba izingozi nazo ziphezulu ngenxa yokuchayeka okwengeziwe, ukukhuphuka kwesidingo sabathengi kuzokhuthaza abaqalayo ukuthi bagxile kakhulu kulesi sikhala.

Imithelela yobunikazi bengxenye

Imithelela ebanzi yobunikazi bengxenye ingase ihlanganise: 

• Inzalo eyengeziwe kanye nokutshalwa kwezimali ekuhwebeni kwesitoko esiyingxenyana njengoba abatshalizimali ngabanye bezuza ubunikazi obunenani eliphansi kakhulu lezitoko ezibizayo.
• Ezinye iziqalo ezigxile ezinhlelweni zokusebenza zokuhweba eziyingxenyana ezinama-chatbots akhelwe ngomeluleki wezezimali.
• Amanye amafemu okuhweba amukela inkambiso yokuhweba ngamasheya ukuze abhekelele abatshalizimali abancane.
• Abatshalizimali beBlockchain baya ngokuya bebamba iqhaza ebunikazini obuyingxenye bezimpahla zedijithali, ikakhulukazi ezobuciko kanye nezakhiwo.
• Amaphrojekthi omphakathi anezizathu zenhlalo-mnotho aphethwe amalungu omphakathi wendawo, njengezindlu zomphakathi, amapulazi e-solar panel, noma izimakethe zokukhiqiza.

Imibuzo ongaphawula ngayo

• Uma ubamba iqhaza kubunikazi obuyingxenyana, yiziphi izinzuzo nemikhawulo yabo?
• Ucabanga ukuthi ubunikazi bomphakathi buzoshintsha kanjani indlela abantu abakha ngayo ingcebo?