Khipha izinhlobo zamajika omkhiqizo esigabeni, ufingqe izincazelo zawo, bese uwafaka ohlwini lwezinhlamvu.
Context:Ayikho ikhefu elilodwa lenzuzo elichaza izindleko zemali kuwo wonke umuntu. Isici esibaluleke kunazo zonke ekunqumeni ijika lenzuzo yimali lapho izibambiso zibizwa khona. Isimo sezomnotho samazwe nezinkampani ezisebenzisa imali ngayinye siyinto eyinhloko ekunqumeni ijika lenzuzo. Izikhungo ezihlukahlukene ziboleka imali ngamanani ahlukahlukene, kuye ngokuthi zinamandla kangakanani okuthenga ngesikweletu.  Ama-yield curve ahambelana nama-bond akhishwe ohulumeni ngemali yabo abizwa ngokuthi i-government bond yield curve (i-government curve). Amabhange anamazinga aphezulu okuthenga ngesikweletu (Aa/AA noma ngaphezulu) aboleka imali komunye nomunye ngamanani e-LIBOR. Lezi zinhlayiya zokukhiqiza ngokuvamile ziphakeme kancane kunezinkomba zikahulumeni. Zibaluleke kakhulu futhi zisetshenziswa kabanzi ezimakethe zezimali, futhi zaziwa ngezindlela ezihlukahlukene ngokuthi i-LIBOR curve noma i-swap curve. Ukwakhiwa kwe-swap curve kuchazwe ngezansi.  Ngaphandle kwejika likahulumeni kanye nejika le-LIBOR, kunamajika ezinkampani (inkampani). Lezi zakhiwa ngenzuzo yezibopho ezikhishwe izinkampani. Njengoba izinkampani zingenawo amandla okuthenga ngesikweletu kunohulumeni abaningi namabhange amakhulu, lezi zinzuzo ngokuvamile ziphakeme. Amajika enzuzo ezinkampani avame ukucashunwa ngokuya "ngokusabalala kwesikweletu" ngaphezu kwejika lokushintshanisa elifanele. Isibonelo, iphuzu le-curve yemivuzo yeminyaka emihlanu ye-Vodafone lingacashunwa njenge-LIBOR + 0.25%, lapho i-0.25% (evame ukubhalwa njengamaphuzu ayisisekelo angama-25 noma amaphuzu angama-25bps) iyinzuzo yesikweletu.
1. Izinkomo Ijika likahulumeni. Lokhu kufanelana nezibopho ezikhishwe ohulumeni ngemali yabo. 2. Izingelosi I-LIBOR curve (noma i-swap curve). Lokhu kufanelana nezinga amabhange amakhulu aboleka ngalo imali komunye nomunye (okubizwa nangokuthi izinga le-LIBOR). 3. Izindaba Ezinhle Ijika lenkampani (noma ijika lenkampani). Lokhu kwakhiwa ngokubuya kwezibopho ezikhishwe yizinkampani.