Kama ningekuwa na pesa zaidi, ningefungua akaunti ya pili katika benki ile.

If I had more money, I would open a second account in that bank.

Breakdown of Kama ningekuwa na pesa zaidi, ningefungua akaunti ya pili katika benki ile.

• kuwa na: to have
• katika: in
• pesa: the money
• ya: of
• kama: if
• zaidi: more
• pili: second
• kufungua: to open
• akaunti: the account
• benki: the bank
• ile: that

Questions & Answers about Kama ningekuwa na pesa zaidi, ningefungua akaunti ya pili katika benki ile.

What is the function of kama at the beginning of this sentence?

Kama here means “if…” and introduces a conditional clause (protasis). It sets up a hypothetical situation: “If I were to have more money…”

Why is ningekuwa na used rather than nilikuwa na or nitakuwa na?

• ni- = first‑person singular prefix (“I”)
• -nge- = conditional marker (“would”)
• kuwa na = “to have”
  Together, ningekuwa na means “I would have.”
• nilikuwa na is simple past (“I had”).
• nitakuwa na is future (“I will have”).

How is ningefungua formed?

Breakdown of ningefungua:

• ni- = “I” (subject prefix)
• -nge- = conditional marker (“would”)
• fungua = verb “open” (root fung-
  • extension -ua
    • final vowel -a)
      So ningefungua means “I would open.”

Why does zaidi follow pesa instead of coming before it?

In Swahili descriptive words (adjectives/adverbs) generally follow the noun. Here:

• pesa = “money”
• zaidi = “more”
  So pesa zaidi = “more money.”

How do we form “second account” in Swahili, and why is it akaunti ya pili?

Ordinals are formed by linking ya (for N‑class nouns) + the ordinal word.

• pili = “second.”
  Thus akaunti ya pili = “second account.”

Why is it benki ile instead of ile benki?

Demonstratives in Swahili typically follow the noun.

• benki = “bank”
• ile = “that.”
  So benki ile = “that bank.” (Putting ile in front feels like an English calque.)

Can I use ikiwa instead of kama to say “if” in this sentence?

Yes. ikiwa is a more formal/standard equivalent of kama for “if.”
You could also say: Ikiwa ningekuwa na pesa zaidi, ningefungua akaunti ya pili katika benki ile.

How would you express a real (likely) condition instead of a hypothetical one?

Use a future-perfect or present-future marker instead of -nge-:

• Kama nikipata pesa zaidi, nitafungua akaunti ya pili katika benki ile.
• Kama nitakapopata pesa zaidi, nitafungua akaunti ya pili katika benki ile.
  Both mean “If I get more money, I will open a second account at that bank.”