Kubwereketsa Ndalama kwa Akristu Anzathu

PEDRO ndi Carlos anali mabwenzi abwino.a Iwo anali Akristu, ndipo kaŵirikaŵiri mabanja awo aŵiriwo anasangalala ndi kuyanjana kwabwino. Chotero pamene Carlos anafuna ndalama kaamba ka bizinesi yake, Pedro sanazengereze kumbwereka. “Popeza kuti tinali mabwenzi abwino,” akufotokoza motero Pedro, “Sindinadere nkhaŵa.”

Komabe, miyezi iŵiri yokha pambuyo pake, bizinesi ya Carlos inalephera, ndipo analeka kubwezera ngongole. Pedro anazizwa kumva kuti Carlos anagwiritsira ntchito mbali yaikulu ya ndalama zimene anabwerekazo kulipira ngongole zosakhala za bizinesi ndi kulipirira njira ya moyo yopambanitsa. Nkhaniyo siinathetsedwe mokhutiritsa Pedro ngakhale pambuyo pa chaka akukambitsirana mwachindunji ndi kulemberana makalata. Chifukwa cha kugwiritsidwa mwala, Pedro anapita ku boma ndipo anachititsa Carlos​—bwenzi lake ndi mbale Wachikristu​—kuikidwa m’ndende.b Kodi imeneyi inali njira yolondola kuitenga? Tidzawona.

Mikangano ndi kusamvana chifukwa cha ngongole za ndalama chiri chochititsa chobwerezabwereza cha kuwonongedwa kwa maunansi pakati pa anthu kuzungulira dziko lonse. Panthaŵi zina ingakhaledi chochititsa chakusagwirizana pakati pa Akristu. M’maiko ochuluka ngongole za ku banki ziri zovuta kupeza, chotero kaŵirikaŵiri anthu osoŵa ndalama amafikira mabwenzi awo ndi achibale. Komabe, chokumana nacho chomvetsa chisoni cha Pedro ndi Carlos, chimafotokoza mwafanizo kuti kusiyapo ngati malamulo amakhalidwe abwino a Baibulo atsatiridwa mosamalitsa ndi onse aŵiri wobwerekayo ndi wobwereketsa, mavuto aakulu angabuke. Pamenepa, kodi njira yoyenera ya kusamalirira pempho la loni kwa Mkristu mnzanu ndiyotani?

Kuŵerengera Mitengo Yakubwereka

Baibulo silimalimbikitsa kubwereka kosafunikira. “Musakhale ndi mangawa kwa munthu aliyense, koma kukondana ndiko,” akuchenjeza motero mtumwi Paulo. (Aroma 13:8) Chotero musanalowe m’ngongole, werengerani mtengo wakutero. (Yerekezerani ndi Luka 14:28.) Kodi palidi kufunika kwa kubwereka ndalama? Kodi iri nkhani yakupeza zofunika zamoyo kuti musamalire banja lanu? (1 Timoteo 5:8) Kapena kodi mlingo waumbombo ukulowetsedwamo​—mwinamwake chikhumbo chakukhala ndi moyo wamataya koposerapo?​—1 Timoteo 6:9, 10.

Mbali ina yofunika ndiyakuti kaya kuloŵa m’ngongole kukakukakamizani kugwira ntchito kwa maora ochulukirapo ndipo mwinamwake kunyalanyaza misonkhano ndi utumiki wakumunda. Ndiponso, kodi kulidi koyenera kuika ndalama za wina paupandu? Bwanji ngati bizinesi kapena ntchito ilephereka? Kumbukirani, “woipa akongola, wosabweza.”​—Salmo 37:21.

‘Kulankhula Zowona’ kwa Obwereketsa

Pambuyo pakupenda mbali zoterozo, mungalingalirebe kuti ngongole za bizinesi ziri zofunika. Ngati singapezeke kuchokera ku banki, sikuli kwenikweni kolakwika kufikira Mkristu mnzathu, popeza kuti kuli kofala kutembenukira ku mabwenzi m’nthaŵi yakusoŵa, monga momwe Yesu anasonyezera pa Luka 11:5. Komabe wina ayenera kutsimikiza ‘kulankhula zowona.’ (Aefeso 4:25) Longosolani mowona mtima mfundo zonse zolowetsedwamo​—kuphatikizapo maupandu, ngakhale amene angawonekere kukhala osatheka. Ndipo musakwiitsidwe ngati wobwereketsa woyembekezeredwayo afunsa mafunso achindunji ambiri kotero kuti atsimikizire kuti ali ndi chinthuzithuzi cholondola.c

Kodi kukakhala kulankhula zowona kubwereka kaamba ka chifukwa china ndiyeno kugwiritsira ntchito ndalamazo kaamba ka chifukwa chosiyana? Kutalitali. Mwini banki ku Latin America akulongosola kuti: “Banki lidzathetsa ngongole yanu, ndipo ngati simunalipirire ngongole yanu nthaŵi yomweyo, iwo akapeza chilolezo cha khothi chakutenga katundu wanu.” Ngati ndalama zibwerekedwa ndi lingaliro lakuti zidzawonjezera phindu la bizinesi, kuzigwiritsira ntchito kaamba ka chifuno china kumaberadi wobwereketsayo chitsimikiziro chake chakuti ngongoleyo ingalipiridwe. Zowonadi, simungawopedi zilango zalamulo pamene mukubwereka kuchokera kwa Mkristu mzanu. Chikhalirechobe, “wokongola ndiye kapolo wa womkongoletsa,” ndipo muli ndi thayo lakukhala wowona mtima kwa iye.​—Miyambo 22:7.

Kugwiritsira Ntchito Lamulo Lamakhalidwe Abwino m’Bizinesi

Yesu anati: “Chifukwa chake zinthu zirizonse mukafuna kuti anthu achitire inu, inunso muwachitire iwo zotero.” (Mateyu 7:12) Mmene kuliri kofunika nanga kuti lamulo limeneli litsatiridwe pamene tikuchita bizinesi ndi wokhulupirira mnzathu! Mwachitsanzo, kodi mukachita motani ngati mbale anakana pempho lanu la loni? Kodi mukalingalira kuti iye wawononga ubwenzi wanu? Kapena kodi mukalemekeza kuyenera kwake kwakukana pempho lanu, mukuzindikira kuti iye angafunikirenso ndalama zake kapena angawone maupandu kukhala aakulu kuposa mmene mukuchitira? Iye mowona mtima angakaikire kukhoza kwanu kwakusamalira bwino ndalama. M’chochitika chotero, kukana kwake kungakhaledi ponse paŵiri kopindulitsa ndi kwachikondi.​—Miyambo 27:6.

Ngati bwenzi lavomereza kukubwerekani ndalama, malongosoledwe okwanira ayenera kuperekedwa mwakulembedwa, kuphatikizapo kuchuluka kwa ndalama zobwerekedwa, chimene ndalamazo zidzagwiritsiridwa ntchito, chuma chimene chiri chikole kaamba ka loniyo, ndi mmene ndi pamene idzalipiridwa. M’zochitika zina kulidi kwanzeru kuti chipanganocho chilembedwe kapena kuyang’aniridwa ndi loya ndi kusungidwa ndi boma. Mulimonse mmene zingakhalire, pambuyo poti panganolo lasainidwa, “manenedwe anu akhale Inde, Inde; Iyayi, Iyayi.” (Mateyu 5:37) Musawone mopepuka kukoma mtima kwa bwenzi lanu mwakulephera kukwaniritsa pangano lanu kwa iye mwamphamvu monga momwe mukanachitira ku banki.

Obwereketsa Ochenjera

Kodi bwanji ngati mwafikiridwa kaamba ka loni? Zochuluka zidzadalira pa mikhalidwe yophatikizidwa. Mwachitsanzo, mbale Wachikristu angagwere m’vuto la ndalama osati mwakudzifunira iyemwini. Ngati muli wokhoza kutero, chikondi Chachikristu chidzakusonkhezerani ‘kumpatsa iye zosoŵa za thupi lake.’​—Yakobo 2:15, 16.

Kukakhala kupanda chikondi chotani nanga kupindula ndi kusoŵa kwa mbale mwakulipiritsa chiwongola dzanja m’chochitika chotero! Yesu anafulumiza kuti: “Koma takondanani nawo adani anu ndi kuwachitira zabwino, ndipo kongoletsani osayembekeza kanthu konse.”​—Luka 6:35; yerekezerani ndi Levitiko 25:35-38.

Komabe, bwanji ngati mukupemphedwa kokha kulipirira chochitika cha bizinesi kapena kupereka loni? Kaŵirikaŵiri, nkhani zoterozo zimasamalidwa bwino monga malonda opereka chiwongola dzanja. Baibulo momvekera bwino limafulumiza kukhala ochenjera, likumachenjeza kuti: “Usakhale wodulirana mpherere, ngakhale kumperekera chikole cha ngongole zake.”​—Miyambo 22:26.

Popeza kuti ziri choncho, choyamba muyenera kutsimikizira kuti mungakhozedi malonda opereka chiwongola dzanjawo. Kodi akakudzetserani vuto la zandalama ngati bizinesiyo ilephera kapena ngati wobwerekayo ali wosakhoza kulipira loniyo panthaŵi yake? Ngati muli wokhoza kupereka loni ndipo mapindu adzapangidwa, mulinso ndi kuyenera kwakuwagaŵana mwakulipiritsa chiwongola dzanja choyenera pa loni yanu. (Yerekezerani ndi Luka 19:22, 23.) Miyambo 14:15 amachenjeza kuti: “Wachibwana akhulupirira mawu onse; koma wochenjera asamalira mayendedwe ake.” Eni mabizinesi ena ochenjera nthaŵi zonse achita mosasamala pochita bizinesi ndi Akristu anzawo. Chinyengo chakulipiridwa chiwongola dzanja chokulira chakokera ena kuchita malonda aupandu opereka chiwongola dzanja mwa amene iwo ataya ponse paŵiri ndalama zawo ndi unansi wawo ndi Akristu anzawo.

Mokondweretsa, eni mabanki mobwerezabwereza amapenda mfundo zitatu potsimikizira mmene loni ingakhalire paupandu: (1) makhalidwe a munthu wopempha loniyo, (2) kukhoza kwake kwakubwezera, ndipo (3) mikhalidwe imene iri yofala mumtundu wa bizinesi lake. Kodi sikukakhala kusonyeza “nzeru yeniyeni” kupenda nkhaniyo mofananamo pamene mukulingalira zakubwereketsa ndalama zanu zopezedwa mwa thukuta kwa wina?​—Miyambo 3:21.

Mwachitsanzo, kodi mbiri ya mbale wofuna ndalamayo ndiyotani? Kodi iye amadziŵika kukhala wokhulupirika ndi wodalirika kapena wosasamala ndi wosakhazikika? (Yerekezerani ndi 1 Timoteo 3:7.) Ngati akufuna kuwonjezera bizinesi yake, kodi iye waiyang’anira mwachipambano kufikira panthaŵiyo? (Luka 16:10) Ngati ayi, chithandizo chopindulitsa m’kusamalira ndalama zake chingakhale chothandiza koposa m’kupita kwa nthaŵi kuposa kumbwereka ndalama zimene zingawonongedwe.

Mfundo ina ikakhala kukhoza kwa mbaleyo kubwezera ngongole. Kodi alandira ndalama zingati? Kodi ali ndi ngongole zotani? Kuli kokha koyenera kuti akhale wowona mtima kwa inu. Komabe, chikondi Chachikristu chiyenera kufungabe. Mwachitsanzo, mungafune kukhala ndi chitsimikiziro cha kulipiridwa kwa ngongoleyo ndi chuma chokhoza kugulitsidwa cha mbaleyo. Chilamulo cha Mose chinaletsa kulanda zofunika zamoyo za munthuyo kapena zinthu zake zofunika kuti kulipiridwa kwa loniyo kutsimikiziridwe. (Deuteronomo 24:6, 10-12) Chotero, mbale Wakumwera kwa Amereka amene ali mwini bizinesi akunena kuti akabwereketsa kokha theka la kuchuluka kwa chuma chokhoza kugulitsidwa cha mbale. “Ndipo sindimawona ziwiya za ntchito yake kapena nyumba yake kukhala chuma chokhoza kugulitsidwa,” akufotokoza motero. “Ndithudi sindikafuna kukakamiza mbale wanga kuchoka m’nyumba yake ndi kutenga nyumba yakeyo kuti ndibwezeredwe ndalama zanga.”

Pomalizira pake, muyenera kupenda mowona mtima mikhalidwe ya bizinesi yofunga kumene mumakhala. Tikukhala ndi moyo mu “masiku otsiriza,” mwa amene anthu ali “okonda ndalama, . . . achiwembu.” (2 Timoteo 3:1-4) Pamene kuli kwakuti bwenzi ndi mbale wanu angakhale wowona mtima, anzake m’zamalonda, olembedwa ntchito, ndi makasitoma, sangakhale otero. Monga Mkristu, iye sangatembenukire ku chiphuphu ndi kunama​—maluso amene olimbana naye angagwiritsire ntchito kuubwino wawo. Ndiponso zoyenera kulingaliridwa ndizo masoka a “nthaŵi ndi zobuka zamwadzidzidzi.” (Mlaliki 9:11, NW) Mtengo wa katundu ungatsike mwadzidzidzi. Kuchepa mphamvu kwa ndalama kosalamulirika kungawononge bizinesi kapena kuchepetsa kotheratu mtengo wa loni. Kuba, ngozi, kuwononga dala chuma, ndi kuvulala ziri zochitika zenizeni zosakondweretsa za bizinesi. Muyenera kulingalira mbali zonsezi popanga chosankha chanu.

Kulephera

Panthaŵi zina, mosasamala kanthu za malangizo onse, Mkristu angakhale kokha wosakhoza kubwezera loni yake. Lamulo Lamakhalidwe Abwino liyenera kumsonkhezera kulankhula nthaŵi zonse ndi womkongoletsa. Mwinamwake malipiro ochepa chabe ali othekera kwakanthaŵi. Komabe, Mkristu sayenera kulingalira kuti malipiro achiphamaso akummasula kukupanga kudzimana kwenikweni kuti wakwaniritse mathayo ake. (Salmo 15:4) Wokongoletsa amene ali Mkristu alinso ndi thayo lakusonyeza chikondi. Ngati akulingalira kuti wachitiridwa mwachinyengo, iye angagwiritsire ntchito uphungu wa pa Mateyu 18:15-17.

Kuloŵetsamo olamulira adziko, monga anachitira Pedro m’nkhani yotchulidwa poyamba, sikukakhala koyenera kwenikweni. Mtumwi Paulo akuti: “Kodi akhoza wina wa inu, pamene ali nawo mlandu pa mnzake kupita kukaweruzidwa kwa wosalungama, osati kwa woyera mtima? . . . Kodi nkutero kuti mwa inu palibe mmodzi wanzeru amene akakhoza kuŵeruza pa abale, koma abale anena mlandu ndi mbale ndikotu kwa wosakhulupirira? Koma pamenepo pali chosowa konse mwa inu, kuti muli nayo milandu wina ndi mnzake. Chifukwa ninji simusankhula kulola kuipsidwa? Simusankhula chifukwa ninji kulola kunyengedwa?”​—1 Akorinto 6:1-7.

Pangakhale mikhalidwe ina​—yonga ngati kuphatikizidwa kwa anzawo amalonda osakhulupirira, opereka zinthu akudziko, kapena nkhani za inshuwaransi​—zimene zimawonekera kufunikira kuthetsedwa mumakhothi akudziko kapena ndi oimira boma. Koma m’zochitika zambiri, Mkristu akasankha kutaikiridwa ndi ndalama kwakutikwakuti mmalo mwakuchititsa mpingo manyazi amene kupereka mbale ku khothi chifukwa cha loni yosalipidwa kungadzetse.

M’zochitika zambiri zotulukapo zoipa motero zingapewedwe. Motani? Musanabwereketse kapena kubwereka kuchokera kwa mbale, zindikirani za maupandu othekera. Gwiritsirani ntchito kuchenjera ndi nzeru. Koposa zonse, “zanu zonse,” kuphatikizapo nkhani za bizinesi, “zichitike m’chikondi.”​—1 Akorinto 16:14.

[Mawu a M’munsi]