Ewe kunjalo, imeko yezabelo zaseSpain ayilunganga, okomzuzwana. Kodwa ngamaxabiso ayingozi kwimarike yemasheya. Ayisiyonyani euphoric nokuba, kodwa igcina ezinye iimeko ezikuvumela ukuba tyala imali oyigcinileyo ngoxolo lwengqondo. Ubuncinci ukuba imisebenzi yakho ijolise kwixesha elifutshane, okanye mhlawumbi enye into ukuba iindlela zakho zotyalo-mali zigcinekile. Ngayiphi na imeko, kukho uthotho lwamaxabiso anokukwenza ukuba udlale umzuzu ombi nangaliphi na ixesha. Kangangoko ndinako ngumphunga Inxalenye yemali etyalomaliweyo. Ujongene nale meko, kuya kufuneka ulumkiswe kwangaphambili kwaye uphephe nakuphi na ukuthengwa, nokuba amaxabiso abo abiza malini ngalo mzuzu.
Ezi zixabiso eliyingozi kakhulu kwaye azihambi ngeyona meko intle ngalo mzuzu kanye. Kufuneka ke, ngokuzilinda ngaphambi kwento enokwenzeka kwizenzo zabo. Ayothusi into yokuba unokuninzi okuphulukene noku kunokuzuza. Kwaye okwahlukileyo koku kufanele ukuba kukhokele isenzo sakho ukusukela ngoku. Awungekhe uphumle phantsi kwazo naziphi na iimeko kwaye uphephe ukunxibelelana kwabo ukuze bangabenzi nzima ubomi bakho kubudlelwane bakho nehlabathi lemali.
Ke ukuba unoluvo olusondeleyo lokuba amaxabiso amele ntoni, akukho nto ingcono kunokufumana esinye sezindululo eziyingozi. Iya kuba sesona sicwangciso silungileyo sokugonya ukuvezwa okunzima kakhulu kwizenzo zakho. Ewe kunjalo, ayiloxabiso elinye, kodwa aliqela kwaye ahlukile. Babandakanya phantse onke amacandelo ezabelo zamashishini ezingenanzala emisiweyo, ngaphandle kokukhetha. Nangona siza kukuveza kuphela kwimizekelo efanelekileyo yezona zinto zixabisekileyo kwiimarike zamasheya. Ungathandabuzi ukuba uya kuba nokumangaliswa okungaphezulu kwesinye kolu khetho silungiselele lona.
Amaxabiso ayingozi: ngoba?
Kucatshangelwa ukuba ukhuseleko oluyingozi luyehla kakhulu kwaye lunokubangela ukuba linciphise ngamandla kakhulu kwiiseshoni ezilandelayo. Kananjalo kwezo meko imeko yakho yeshishini ayisiyiyoyona intle onokuyivelisa. Ukwazisa malunga nokuncitshiswa kwamaxabiso ezabelo zabo anokusokola. Ngayiphi na imeko, akufuneki uvule izikhundla phantsi kwazo naziphi na iimeko. Ngesizathu sokuqala kwaye ayikho enye into ngaphandle kwe imali eninzi ungaphulukana nayo. Nokuba sisiqingatha okanye ngaphezulu kwesixa semali otyale ngaso.
Zimele umngcipheko omkhulu kwimidla yakho kubudlelwane bakho namashishini. Ayothusi into yokuba banokukunika into engaphezu kwesinye ngexesha elingalindelekanga. Ngapha koko, amanye ala maxabiso zichongwa kakhulu ngenxalenye elungileyo yabatyali mali abancinci nabaphakathi. Zombini kuhlalutyo lobuchwephesha kunye neendaba ezivela kwishishini layo. Eyona meko imbi enokuza ngendlela yakho kukuba uneendawo ezivulekileyo kwezinye zezi zindululo zokulingana. Kuba ngokwenyani, uya kuba nengxaki enkulu.
Ukukunceda kulo msebenzi, akukho nto ilunge ngakumbi kunokubhengeza ukuba zeziphi ezinamaxabiso agxile kule nkqubo inzima. Ngamanye amaxesha, baya kuba baziqhelanisa nawe, kodwa ngokuqinisekileyo kwabanye baya kuba yinto emangazayo eya kutsala umdla omkhulu. Ke ngoko, ezi zezinye zexabiso ezibonisa imeko enokwenzeka.
IDeoleo: iingxaki ngeoyile
Ukuba kukho ixabiso eliphikisanayo kwingeniso eyahlukileyo yesizwe ayikho enye ngaphandle komvelisi weoyile. Kungenxa yokuba ukuvalwa kweeakhawunti zeshishini kulo nyaka uphelileyo ngekwakungatyhafisi kubo bonke abanini zabelo. UDeoleo urekhode i Iziphumo ezingalunganga zomnatha kwizigidi ezili-179 zeerandi. Ezi lahleko zibangelwe ikakhulu sisigqibo sebhodi yabalawuli sokurekhoda ukonakala kweempahla ze-96,3 yezigidi zeerandi kunye notshintsho kwimigaqo yerhafu.
Ayililo ixesha elilungileyo, ke ngoko, lokuvula izikhundla kwinkampani. Ngaphantsi kwezehlo kwaye ukuba utyalomali ngalo mzuzu, kufuneka uhambe ngokukhawuleza. Umzuzu olungileyo uya kuba xa kukho isaphulelo kumaxabiso abo. Nangona yonke into izakuxhomekeka kwixabiso lokuthenga olwenzile ngokusemthethweni kwiimarike zemali. Iya kuba yindlela efanelekileyo kakhulu yokuphelisa ingxaki. Hayi ngelize, kuyakuhlala kulunge ukuphulukana nee-euro ezimbalwa kunokuba phantse lonke igalelo lezoqoqosho ngexabiso.
Isilumkiso neBanco edumileyo
Abatyalomali kule bhanki iphakathi balahlekelwe phantse ngama-90% olondolozo lwabo. Ayizizo ezona zizathu zibalulekileyo zokubeka esi sitokhwe sikhohlisayo kwi-radar. Hayi kangako. Nangona kuxhomekeke kumgaqo-nkqubo wakho omtsha weshishini, unokutshintsha imeko yakho kwixesha elifutshane okanye eliphakathi. Nangona kungumsebenzi ogcinelwe kuphela abatyali mali abanesibindi kunye nabathandi beemvakalelo ezinamandla kwiimarike zezemali. Ngaba le yimeko yakho?
Ayothusi into yokuba inewonga lokufaka igalelo kolunye lwezona zinto zinexabiso eliphantsi kwintengiso yesizwe eqhubekayo kule minyaka idlulileyo. Kunjalo ayisiyondawo ilungileyo yokuqalisa ukusebenza. Kwaye kuncinci kakhulu ngokungaqiniseki okukhulu apho izabelo zazo zidweliswe kwiimarike zezemali. Kuya kuba ngcono, ke ngoko, ukuba uzishiye izenzo zakho kumaxesha angcono kwixabiso lakho.
I-Tecnocom: ukuba uqaphele kakhulu
Iintshukumo zamva nje kubanini bezabelo zenza ukuba zihambelane nexabiso eliyingozi kakhulu kwiinyanga ezimbalwa ezizayo. Kwaye ukuba inokukunika isimanga esihle, awungekhe ulibale ukuba kuya kuthanda ukukhula iintshukumo eziphambeneyo kakhulu kwiimarike. Ukuza kuthi ga kwinqanaba lokuba inokuba yenye yeenkampani apho ushiya khona indawo ebaluleke kakhulu kwimali otyale ngayo. Imingcipheko yayo ingaphezulu kokufihla okwangoku kwaye ayisiyiyo enye yexabiso elicetyiswayo ukuqala ukuthatha izikhundla ngexesha elifutshane.
Ngokuchasene noko, olona khetho lufanelekileyo kukubeka izabelo zakho kude kube ulinde amaxesha angcono okonyusa utyalomali. Ngokwembali besisindululo sokulingana kakhulu, nge ukuguquka okukhulu kumaxabiso abo. Umahluko ongaphezulu kokuqaphelekayo phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Ukuba khange bahambisane nayo njengenye indlela enikezela ngethemba elihle lokuphucula imbuyekezo kulondolozo nakweyiphi na imeko yezemali. Ayothusi into yokuba unexabiso elinenkangeleko engcono. Zombini kuhlalutyo lwayo lobuchwephesha kunye nolusisiseko.
I-OHL ngomsila weenkampani zokwakha
Ukuba kukho ixabiso elinika ithemba elingenakutyeba lotyalo-mali ngaphandle kwenkampani ephethwe nguJuan Miguel Villar Mir. Iingxaki zakho kwiiakhawunti zakho zemali Kwaye iscandal esenziwe ngamanye amaxesha endisigqibile ukubasasaza asenzi sithandeke kakhulu ukuba ibe ngomnye wabagqatswa kwiphothifoliyo yakho yezokhuseleko kwiinyanga ezimbalwa ezizayo. Kodwa endaweni yoko, kwaye uzame ukuhlengahlengisa izikhundla kwimeko yokuba sele uvule izikhundla kule nkampani yokwakha.
Kwicandelo apho lidweliswe khona, iiakhawunti kunye Izindululo ezizezona zicetyiswayo kunye nokubonelela ngoqwalaselo olubonakalayo olunokubakho. Ukongeza, baveza izabelo ezinenzuzo kakhulu ezinokukhokelela kwinqanaba ukuya kuthi ga kwi-7%. Ngayiphi na imeko, igrafu ethiwe thaca yi-OHL ayimisi themba. Le yenye yeesampulu kwizabelo ezinokuthi zenze ukuba ulahlekelwe zii-euro ezininzi apha endleleni. Ayicetyiswa nokuba isebenze ngokuqikelela okanye nakwiseshoni efanayo yokuthengisa. Kuba, enyanisweni, unokulahlekelwa kokuninzi kunokuzuza. Ungalibali ukusukela ngoku ukuba ufuna ukunika ukhuseleko olukhulu kwipotfoliyo yakho yotyalo-mali.
Abengoa: ngaphezulu ngokufanayo
Le nkampani iyaqhubeka nokugcina imeko efanayo engalunganga kwiinyanga ezidlulileyo. Ayinakulindeleka ukuba ungasebenzisa nasiphi na isicwangciso. Kwicala elingalunganga, inokude ikhokelele kumanqanaba amaxabiso apho ulahlekelwe yinxalenye yolondolozo lwakho. Ayisebenzi nokuba uzisa amava amaninzi kwiimarike ze-equity. Kungenxa yokuba ekugqibeleni imeko yayo inokujoliswa nakweyiphi na imeko, nokuba phezulu okanye ezantsi. Nantoni na ingenzeka Uluhlu lwalo ngokwalo ngenxa yemeko yalo ebuthathaka. Zombini ngokoluhlalutyo lobuchwephesha kunye nokuhamba kwemibutho ebisoloko ikunikezela kubanini zabelo ixesha elide.
Okwangoku, akukho ndlela yokuhlalutya indlela abaziphethe ngayo nakweyiphi na imbono. Ngaphandle komda ukuze uqale nawuphi na umsebenzi kwiimarike. Apho kunokwenzeka ukuba ayeki ukuwa ngenxa yeengxaki ezinkulu zenkxaso-mali enayo inkampani. Akusekho mfuneko yokuba nezabelo zabo okanye wenze ngokusemthethweni ukuhamba ngokukhawuleza okwenza ukuba imisebenzi yakho ibe yinzuzo.
Kwindlela efanayo kukho elinye iqela leenkampani elibhalisiweyo kwizalathiso eziphambili zesitokhwe sesizwe. Elinye lawona amaxabiso amelweyo ngale ndlela yile ligeza. Emva kweminyaka yokungabhaliswa kwiimarike zezemali. Nangona okwangoku akaziphathanga kakubi kwaphela. Kodwa kuyo nayiphi na imeko, ayisosimemo esicacileyo sokuvula izikhundla.
I-FCC ikwavelisa iintshukumo ezingahambelaniyo ezikunceda ukuba ungabikho kwintengiso yemasheya akho. Okanye njengoko kwimeko yeinshurensi ezininzi ukuba abahambi kwelona xesha lihle. Ubuncinci ngokubhekisele kwikoteyishini yamaxabiso abo. Nge-downtrend ekufumanisa kunzima kubo ukuba bayeke kwelona xesha lifutshane kutyalo-mali lwabo.