{"id":3121030,"date":"2025-01-01T02:05:00","date_gmt":"2025-01-01T07:05:00","guid":{"rendered":"https:\/\/www.friendsjournal.org\/kuoanisha-fedha-na-imani\/"},"modified":"2025-10-12T00:33:31","modified_gmt":"2025-10-12T04:33:31","slug":"kuoanisha-fedha-na-imani","status":"publish","type":"post","link":"https:\/\/www.friendsjournal.org\/sw\/kuoanisha-fedha-na-imani\/","title":{"rendered":"Kuoanisha Fedha na Imani"},"content":{"rendered":"\n

Safari ya Mkutano Mmoja Kuelekea Uhusiano wa Kulia<\/strong><\/h3>\n\n

Kama mkutano mkubwa wenye historia ndefu huko Philadelphia, Central Philadelphia (Pa.) Mkutano unajikuta ukiwa na majaliwa muhimu ambayo washiriki wake hawakuwa na mkono wa kuunda lakini sasa wana jukumu la kusimamia. Kama mmoja wa washirika watatu katika Kituo cha Marafiki katikati mwa Philadelphia (pamoja na Kamati ya Huduma ya Kila Mwaka ya Philadelphia na Kamati ya Huduma ya Marafiki wa Marekani), pia tuna gharama zisizobadilika na za juu kabisa za kukaa, na tunategemea kurudi kutoka kwa uwekezaji\u2014pamoja na michango ya wanachama\u2014ili kusaidia kulipia gharama hizi na nyinginezo zinazohusiana na mkutano. Kwa miaka mingi, tumekuwa na fursa mbalimbali za kufikia uadilifu tunapojihusisha na pesa. <\/p>\n\n

Mfuko wa Kumi na Mbili wa Mtaa<\/strong><\/h3>\n\n

Mnamo 1970 tulimiliki nyumba mbili za mikutano, matokeo ya mgawanyiko ambao ulikuwa umegawanya Mkutano wa Mwaka wa Philadelphia hadi kuponywa katika miaka ya 1950. Philadelphia ya Kati iliundwa kwa kuunganishwa kwa mkutano wa Hicksite na mkutano wa Orthodox. Baada ya kutafakari sana, uamuzi ulifanywa wa kuuza jumba la mikutano la Mtaa wa Kumi na Mbili; takriban robo tatu ya bei ya mauzo ya $700,000 ilitumika kuunda Mfuko wa Kumi na Mbili wa Mtaa. <\/p>\n\n

Wakati uamuzi mgumu wa kuuza ulipofanywa, mwanachama Henry Cadbury alisimama na kusema, ”Fedha hizi zitakuwa uharibifu wa mkutano huu.” Maneno hayo yalichukuliwa kwa uzito sana. Kamati ya Mapato, iliyoundwa kimakusudi na watu wanaowakilisha maoni mbalimbali, ilishiriki mkutano huo katika mchakato wa mwaka mzima wa kuwaleta watu wenye maoni tofauti pamoja katika vikundi vidogo. Mchakato huo ulizaa matunda: mapendekezo ya kamati yalipoletwa kwenye mkutano wetu wa kila mwezi wa biashara, umoja ulifikiwa katika kuidhinisha ripoti hiyo baada ya majadiliano ya dakika 45 tu. <\/p>\n\n

Jambo moja muhimu la tofauti\u2014haishangazi\u2014ilikuwa ikiwa mkuu wa Hazina ya Mtaa wa Kumi na Mbili anapaswa kuhifadhiwa na riba pekee kutolewa. Kamati ya Mapato ilishughulikia hili kama ifuatavyo: <\/p>\n\n

\n

Tumejitolea sio kuhifadhi au kusambaza pesa, lakini tunapendekeza kwamba tusonge mbele katika kutoa pesa kama Roho anavyotuongoza.<\/p>\n<\/blockquote>\n\n

Jambo la pili la tofauti lilikuwa kama kuangalia kwa ndani mahitaji ya mkutano na washiriki wake au kuangalia nje kwa jamii pana inayotuzunguka. Kamati ilihisi: <\/p>\n\n

\n

wito wa wazi kwamba kukidhi mahitaji ya wanachama wetu ni njia inayoonekana ya kujaliana katika jumuiya ya mkutano. . . wazi pia ni hamu ya kufikia jumuiya ya mijini zaidi ya mkutano ili kusaidia kurekebisha ukosefu wa usawa uliopo huko na kutafuta njia za kuendeleza sababu ya amani, katika jiji hili na duniani kote.<\/p>\n<\/blockquote>\n\n

Maombi ya ruzuku au mikopo yalipokelewa na kufanyiwa kazi na Kamati ya Mapato katika kipindi cha miaka kumi au zaidi iliyofuata. Mema mengi yalifanyika na baadhi ya masomo magumu yalijifunza. Kwa mfano, kununua nyumba iliyorekebishwa na kuweka rehani ili kuwezesha familia ya kipato cha chini kuinunua ilikuwa kazi yenye manufaa lakini ikawa maumivu makali familia ilipoacha kulipa rehani. <\/p>\n\n

Enzi ya kusimamia Hazina ya Kumi na Mbili ya Mtaa ilifikia kikomo mwishoni mwa 1984 wakati Kamati ya Ushauri ya Fedha ilipoleta ripoti kwenye mkutano wa kila mwezi, ikibainisha kwamba tangu kuanzishwa kwake hazina hiyo ilikuwa imetoa zaidi ya $1,000,000 za ruzuku, mikopo, na zawadi. Walipendekeza kwamba, kwa kuzingatia salio la chini katika hazina (takriban $160,000), lisifunguliwe tena kwa maombi ya ruzuku kutoka nje, na kwamba: <\/p>\n\n

\n

fedha kuu za Mfuko zinapaswa kuwekezwa katika Mfuko Mkuu wa Mkutano unaofanyika Friends Fiduciary na mapato yanayotumika katika kila bajeti ya sasa kuhusu masuala ya kijamii na matunzo ya jumuiya ya Marafiki.<\/p>\n<\/blockquote>\n\n

Mkutano uliidhinisha, na enzi hii ya kujihusisha na jumuiya pana kupitia mali yetu ya kifedha isiyo na vikwazo ilifikia kikomo, isipokuwa mambo mawili. Kwanza, sehemu ($40,000) ya salio iliwekezwa katika Hazina ya Uwekezaji wa Jumuiya ya Delaware Valley, ambayo ilisaidia mahitaji ya mtaji wa mpango wa makazi na malezi ya watoto katika eneo la Philadelphia kupitia mikopo ya riba nafuu. Pili, fedha zilizozuiliwa (kwa hatua ya wafadhili) zilizowekwa katika jalada letu, kubwa zaidi ambalo ni kwa ajili ya elimu ya ”watoto maskini weusi,” ziliendelea kutolewa kama kawaida. <\/p>\n\n

Ikiwa rasilimali zetu za kifedha na imani yetu zingelingana vizuri, je, hilo lingeonekanaje? Je, tunafikiri vipi kuhusu rasilimali za kifedha za mkutano: Je, ni \u201cfedha zetu\u201d au \u201cfedha ambazo sisi ni wasimamizi wa sasa kwazo\u201d? <\/strong><\/p>\n\n

Miaka ya Kamati ya Michango<\/strong><\/h3>\n\n

Juhudi zetu za pili za kimakusudi za kujihusisha na uadilifu na fedha zetu zilikuja mara baada ya mwanzo wa karne hii, wakati mapato yatokanayo na uwekezaji yalikuwa juu sana, na matokeo yake kwamba mapato yetu yalizidi mahitaji yetu. Hii ilitufanya tuunde Kamati ya Michango yenye jukumu la kuleta mapendekezo kwa mkutano wa kila mwezi wa vikundi na juhudi za kuunga mkono ziada hiyo. Ruzuku zilikuwa ndogo na chache kuliko zile za Mfuko wa Kumi na Mbili wa Mtaa, lakini tulisikitika, hata hivyo, juu ya kama tulikuwa tukifanya mema zaidi iwezekanavyo na ikiwa tunachagua mashirika bora na yanayostahili zaidi. Ilisaidia wakati mshiriki alitukumbusha kwamba ”hizi sio pesa zetu, sisi ni wasimamizi wa kile tumerithi, na tunapaswa kuzingatia kutawanya badala ya usimamizi mdogo.” Baada ya miaka mitano au zaidi, uchumi ulidorora, ziada ikatoweka, na Kamati ya Michango ikawekwa. <\/p>\n\n

Wakfu wetu unashikiliwa na kusimamiwa na Friends Fiduciary Corporation. Wanachuja ”mbaya” za kitamaduni za Quaker (kamari, pombe, silaha) na pia hubeba wasiwasi ili kushuhudia kikamilifu kwa kutumia kura zao za wakala, wakihimiza makampuni kuwa raia wazuri wa mashirika. Takriban miaka kumi iliyopita, washiriki wa mkutano wetu, pamoja na wengine katika Mkutano wa Kila Mwaka wa Philadelphia, walikuwa wakikosa raha kwa kuwekeza pesa zetu katika nishati ya visukuku. Wajumbe wa mkutano wa kila mwaka, katika usanidi mbalimbali, walishiriki wasiwasi huu na Friends Fiduciary. Walipoanzisha Mfuko tofauti wa Kijani, mkutano wetu ulichukua hatua haraka ili kuhamisha baadhi ya wakfu wetu kwenye hazina hiyo mpya, tukielewa kwamba hatungeweza kuahidiwa faida kubwa. <\/p>\n\n

Huu pia ulikuwa wakati ambapo katibu wetu na mweka hazina walichukua changamoto, kwa ombi la mkutano, kuhamisha mali zetu za kioevu kutoka kwa benki moja kubwa hadi umoja wa mikopo wa ndani, hatua nyingine ndogo katika safari yetu kuelekea uadilifu katika uhusiano wetu na pesa.<\/p>\n\n

\"\"<\/a>
Picha na Morgan Housel kwenye Unsplash<\/figcaption><\/figure>\n\n

Uwekezaji wa Athari<\/strong><\/h3>\n\n

Sura inayofuata mashuhuri katika safari yetu ilianza mnamo 2021. Katika nakala kwenye jarida la mkutano, mshiriki aliandika: <\/p>\n\n

\n

Kila mwezi katika mkutano wa biashara na katika mikutano yetu ya kamati tunauliza: ”Je, uamuzi huu unasaidiaje CPMM [Mkutano wa Kila Mwezi wa Philadelphia wa Kati] katika lengo lake la kubadilika kuwa jumuiya ya imani inayopinga ubaguzi?” Ningependa kupendekeza kwamba usimamizi wa mkutano wa rasilimali zetu, haswa fedha zetu tulizowekeza, unahitaji uchunguzi kulingana na hoja hii. <\/p>\n<\/blockquote>\n\n

Wengine katika mkutano walikubali kwamba ilikuwa mada inayostahili kuchunguzwa, na mkutano wa kila mwezi ulianzisha kikundi cha kazi kilichopewa jukumu la kuratibu mchakato wa kukusanya habari ili kujenga msingi wa utambuzi wa kikundi kazi na uamuzi wa mwisho wa mkutano. Baada ya miezi sita ya kazi, kikundi kilileta ripoti ya habari ambayo ilipokelewa vyema, na kwa mara ya kwanza, ”uwekezaji wa athari” ukawa sehemu ya msamiati wa mkutano. Tunaelewa uwekezaji wa athari kuwa ule unaofanywa kwa nia ya kuzalisha athari chanya, inayoweza kupimika kijamii na kimazingira pamoja na faida ya kifedha, ambayo inaweza kuanzia chini ya soko hadi viwango vya soko. <\/p>\n\n

Utambuzi kuhusu hatua zinazofuata ulirejeshwa kwa Kamati ya Ushauri ya Fedha. Mafanikio yalikuja wakati wajumbe kadhaa wa kamati, pamoja na mjumbe ambaye alikuwa akifanya kazi katika kikundi kazi na alikuwa na uzoefu wa kina wa uwekezaji wa kifedha, walikutana na wafanyakazi kutoka Friends Fiduciary. Ilibainika kuwa walipenda sana kutafuta uwezekano wa kusaidia uwekezaji wa matokeo kwa vikundi kama vile mikutano ya kila mwezi, na walikuwa tayari kufanya kazi na mkutano wetu kufanya majaribio. <\/p>\n\n

Kwa muda wa miezi 18, kikundi hicho kidogo kilikutana nao mara kadhaa, na Ushauri wa Fedha ulikuwa na majadiliano ya kina kuhusu athari nyingi zinazowezekana za kuchukua hatua kama hiyo. Suala hilo liliibuliwa katika mkutano wa biashara katika majira ya kuchipua ya 2024 ili kuona kama mkutano huo utakuwa wazi kwa pendekezo la kuhamisha $ 500,000 kwa uwekezaji ambao ulizingatia maeneo matatu ya jumla: kukidhi mahitaji ya Wanafiladelfia wasio na huduma nzuri, kushughulikia masuala ya hali ya hewa na mazingira ndani ya nchi, na kusaidia jumuiya za kiasili. Jibu lilikuwa la shauku na Ushauri wa Fedha uliidhinishwa kufanya kazi na Friends Fiduciary na kurudi na pendekezo maalum. <\/p>\n\n

Kazi zaidi ilifanyika katika majira ya joto na mapema msimu wa joto, na mnamo Oktoba pendekezo la kuhamisha $500,000 ya mali katika jalada letu hadi kwa mashirika matatu ambayo yanalingana na ufafanuzi wa uwekezaji wa athari ililetwa kukutana kwa biashara. Faida ya uwekezaji kati ya hizo tatu ilianzia chini ya soko hadi juu kidogo ya soko lakini kwa usawa ilidumisha mapato sawa na yale ambayo uwekezaji wetu mwingine na Friends Fiduciary huleta. Mkutano uliidhinisha pendekezo la Ushauri wa Fedha bila shida na kwa shukrani, na kwa hivyo hatua inayofuata katika safari yetu imechukuliwa. Ni hatua ndogo na ya kihafidhina kabisa, lakini tunatumai itatufungua kwa uchunguzi zaidi wa uhusiano wetu sahihi na pesa. <\/p>\n\n

Inafurahisha kutazama nyuma na kutafakari juu ya kile tumejifunza na kile ambacho bado kinaweza kujifunza. Je, bado hatujanyooshwa tunapotafuta kuleta imani yetu ya Quaker na uwakili wetu wa rasilimali za kifedha katika uwiano mkubwa zaidi? Hakika tumejifunza kwamba kuzungumza juu ya pesa ni kazi ngumu na kwamba tunahitaji kuwa wapole kati yetu na kusikiliza kwa kina. <\/p>\n\n

Maswali yanayokuja akilini kwa kutafakari zaidi ni pamoja na yafuatayo: Ikiwa rasilimali zetu za kifedha na imani yetu zingelingana vizuri, je, hilo lingekuwaje? Je, tunafikiriaje rasilimali za kifedha za mkutano: Je, ni \u201cfedha zetu\u201d au \u201cfedha ambazo sisi ni wasimamizi wa sasa kwazo\u201d? Kiasi gani kinatosha? Jibu la swali hili linaweza au lisilingane na bajeti ya kila mwaka ya mkutano. Kwa kadiri mkutano wetu unavyokuwa na rasilimali ambazo zimekusanywa katika vizazi vingi, ni fursa gani imechangia mkusanyiko huo na tunaweza kushughulikia vipi ulipaji? Je, tunaelewa nini kuhusu jamii? Kuna, bila shaka, jumuiya ya mkutano, lakini ni kwa kiasi gani mpaka kati ya mkutano na jumuiya pana unaweza kupenyeka? Je, jibu letu la swali hili linataarifu vipi maamuzi kuhusu jinsi tunavyotumia\/kutoa pesa zetu? Tunatazamia ambapo uchunguzi wa uaminifu wa masuala haya utaongoza. <\/p>\n","protected":false},"excerpt":{"rendered":"

Safari ya mkutano mmoja kuelekea uhusiano sahihi.<\/p>\n","protected":false},"author":5090,"featured_media":3097216,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9822],"tags":[],"fpb_issue_category":[9874],"class_list":["post-3121030","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vipengele","fpb_issue_category-jinsi-makanisa-yanavyotumia-pesa"],"yoast_head":"\nUwekezaji wa Athari na Uwakili - Kulinganisha Imani na Fedha<\/title>\n<meta name=\"description\" content=\"Gundua jinsi Mkutano wa Kati wa Philadelphia unavyopitia usimamizi na uadilifu wa kifedha kupitia uwekezaji wa athari, juhudi za kupinga ubaguzi na ushiriki wa jamii.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.friendsjournal.org\/sw\/kuoanisha-fedha-na-imani\/\" \/>\n<meta property=\"og:locale\" content=\"sw_KE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kuoanisha Fedha na Imani\" \/>\n<meta property=\"og:description\" content=\"Gundua jinsi Mkutano wa Kati wa Philadelphia unavyopitia usimamizi na uadilifu wa kifedha kupitia uwekezaji wa athari, juhudi za kupinga ubaguzi na ushiriki wa jamii.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.friendsjournal.org\/sw\/kuoanisha-fedha-na-imani\/\" \/>\n<meta property=\"og:site_name\" content=\"Friends Journal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/friendsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-01T07:05:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-12T04:33:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.friendsjournal.org\/wp-content\/uploads\/2025\/01\/Kelly-Haines_featured.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1400\" \/>\n\t<meta property=\"og:image:height\" content=\"725\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Friends Journal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@friendsournal\" \/>\n<meta name=\"twitter:site\" content=\"@friendsournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Friends Journal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/kuoanisha-fedha-na-imani\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/kuoanisha-fedha-na-imani\\\/\"},\"author\":{\"name\":\"Friends Journal\",\"@id\":\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/#\\\/schema\\\/person\\\/315ffb22a36ecbabdf5dbdc09d7d1eb7\"},\"headline\":\"Kuoanisha Fedha na Imani\",\"datePublished\":\"2025-01-01T07:05:00+00:00\",\"dateModified\":\"2025-10-12T04:33:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/kuoanisha-fedha-na-imani\\\/\"},\"wordCount\":1624,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/kuoanisha-fedha-na-imani\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.friendsjournal.org\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Kelly-Haines_featured.jpg\",\"articleSection\":[\"Vipengele\"],\"inLanguage\":\"sw-KE\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/kuoanisha-fedha-na-imani\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/kuoanisha-fedha-na-imani\\\/\",\"url\":\"https:\\\/\\\/www.friendsjournal.org\\\/sw\\\/kuoanisha-fedha-na-imani\\\/\",\"name\":\"Uwekezaji wa Athari na Uwakili - 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