Kwimarike yemasheya kukho uthotho lwamaxabiso axhomekeke ikakhulu kwimvume yeemveliso zayo. Le yimeko ethile yeFarmamar kwaye yintoni eyenza ukuba idlule njengenye yezona zinto zikhuselekileyo kwezentengiso zaseSpain eziqhubekayo. Ukuya kwinqanaba lokuba iiyantlukwano zabo kwixabiso ziphezulu kakhulu. Amanqanaba angaphezulu kwe-5% kwiiseshoni ezininzi zorhwebo. Le nto yenza ukuba ibe yinxalenye elungileyo yabatyali mali abakhohlakeleyo bajonge kuyo ukuvula izikhundla kwaye bazame ukwenza inzuzo ngokulondolozwa kwabo ixesha elifutshane. Kodwa kanye ngenxa yesi sizathu yenye yeendlela zokubheja kwizabelo zamazwe ezibandakanya iingozi eziphezulu kwiintshukumo.
Ukuvela kwamaxabiso kwiFarmamar kuyahamba kuxhomekeke kwintengiso yeemveliso zakho. Ngale ndlela, xa ujonga ulindelo lokuba ezinye zazo zinokukhutshwa kwiimarike, ixabiso lazo liyaxatyiswa kwiimarike zezemali. Ngenxa yeli nyathelo, ayothusi into yokuba izabelo zabo zinokuhla kwakhona kufutshane ne-10% kwiseshoni enye yorhwebo. Kungenxa yokuba kudala ulindelo olomeleleyo phakathi kwabatyali mali. Ephakamileyo, ewe, kunamanye amaxabiso aqhelekileyo kwizabelo zamakhaya.
Ukusuka kule meko ngokubanzi, akukho nyaniso iyinyani yokuba ukuba ezi zinto zilindelweyo azifezekiswa, inkqubo ingahluka ngokupheleleyo. Ngokuhla kwexabiso ngaphezulu kwesiqhelo kwaye oko kunokukhokelela ekubeni ulahlekelwe yinxalenye elungileyo yeminikelo yakho yezemali kwiintsuku ezimbalwa okanye nakwiiyure. Akumangalisi ukuba uzinzo lwamaxabiso ayo ayisiyiyo enye yezona zinto zixhaphakileyo kweli xabiso zibonakaliswa yimarike yaseSpain. Kuba kuyingozi njengabanye abambalwa, kwaye apho unokufumana khona imali eninzi, kodwa ngenxa yesizathu esifanayo, shiya ii-euro ezininzi endleleni.
UFarmamar ulinde iindaba
Okwangoku, le nkampani yenye yezona zishushu ngokwexabiso lamaxabiso. Kuba ilinde isigqibo sokuvunywa kwelinye lawona mayeza afanelekileyo kwicandelo. Imalunga ne Iaplidin eyenzelwe iinkqubo ezininzi ze-myeloma neyathi yangeniswa ngo-Okthobha ka-2016. Ewe, ngeli xesha izenzo zayo ziye zaxatyiswa njengesiphumo sokwamkelwa kwayo okuqinisekileyo kwezentengiso. Ngale ndlela, abanye abatyali-mali abaqikelelweyo bavule izikhundla kwixabiso ukuzama ukwenza ukuba intshukumo ibe yinzuzo.
Kodwa kwiintsuku zamva nje ingqayi yamanzi abandayo ishukumisile abatyali zimali abancinci nabaphakathi. Isizathu kungenxa yokuba inkampani ye-biotechnology isandula ukunxibelelana neKhomishini kaZwelonke yoThengiso lwezoKhuseleko (CNMV), esekwe kuvavanyo lokuqala lweKomiti yamaYeza oSetyenziso lwaBantu lwe-EMA (iArhente yamaYeza yaseYurophu), akulindelwanga isigqibo esifanelekileyo ukuthengisa kwakho i-Aplidin. Oku kuvelisa izikhundla zabathengisi ezinyanzeliswayo kwezi ntsuku kwabo babathengi.
Kuya kufuneka silinde de uphele unyaka
Ngayiphi na imeko, akukho sigqibo siqinisekileyo kwaye kule ndlela kuya kufuneka linda kude kube ziintsuku zokugqibela zonyaka ukuqinisekisa into eza kugqitywa ngeli chiza. Phakathi kwiveki yesibini neyesithathu kaDisemba kuyaziwa ukuba kuyakwenzeka ntoni ngorhwebo olunokubakho, kwicala elinye nakwelinye. Ngayiphi na imeko, akukho mathandabuzo ukuba iya kuba nefuthe elikhulu ekuxabisweni kwamaxabiso akho. Ukuya kwinqanaba lokuba kungangqinelani kakhulu ukucinga ukuba baya kuba nakho ukuya phezulu kakhulu kunexabiso langoku. Okanye ngokuchaseneyo, ukuwa ukuba isigqibo asithandi abatyali mali. Ngoku iya kuba ngumcimbi wexesha kuphela ukwazi ezi ndaba zibalulekileyo kwimidla yeFarmamar.
Nangona kunjalo, lixabiso elikhulayo phantsi kwamarhe okuba bayagxalathelana ukuya kwiimarike zamasheya. Ngale ndlela, isaphulelo esinye okanye esinye imeko ngolindelo oluthile. Ngeentshukumo ezinobundlobongela kwaye ngokuyinxalenye kude nayo nayiphi na isenzo esiqhelekileyo kwiimarike zezemali. Kukulezindululo zemakethi yesitokhwe apho kunokuthiwa kusetyenziswa intetho ethembekileyo phakathi kwabatyali abancinci nabaphakathi, ethe yabhekisa "kufuneka uthenge ngehlebe kwaye uthengise ngeendaba". Kulungile, yile ntshukumo ekufuneka uyenzile kunye nexabiso elithile lezabelo zeSpain.
Ukwehla okubonakalayo kumaxabiso
Iziphumo zokuqala zala magqabaza kukuba eli chiza aliyi kuthengiswa ukulwa iinkqubo zethumba. Apho udweliso lwayo lurhoxisiwe okwexeshana ukukhusela umdla wabatyali mali abancinci nabaphakathi. Kwimeko nayiphi na into, kwimizuzu yokuqala ngaphezulu kwe-20% ishiyekile ekwenziweni kwamaxabiso abo. Ngenxa yokuhla kwexabiso, amaxabiso kaFarmamar okwangoku ngama-2,457 euros kwisabelo ngasinye. Inqanaba elithetha ukungena kwi-downtrend kwixesha elifutshane neliphakathi. Ngeempembelelo ezimbi ezinokuthi zibe nazo kwimidla yakho.
Kwelinye icala, awungekhe ulibale ukuba kude kube ziintsuku ezimbalwa ezidlulileyo, ixabiso layo lalinjalo ngaphezulu kwenqanaba lama-euro angama-3. Ukuza kuthi ga kwinqanaba lokudibanisa ithemba lokuba uninzi lwabatyali mali babenalo kwesi sicelo sengxowa. Akumangalisi ukuba eli xabiso libe yinto entsha yokuchasana ekufuneka inyanzelisiwe ukuze ithemba libuyele kwiimarike zezemali. Oko kunokwenzeka, kungonakaliswa ukuba ekugqibeleni iyeza alivunywanga kwiiveki zokugqibela zikaDisemba. Akumangalisi ke ukuba amathandabuzo afakiwe kwizigqibo eziza kwenziwa ngabatyali zimali abancinci nabaphakathi ukusukela ngoku.
Imalunga neZeltia yakudala
Mhlawumbi iFarmamar ayisiyo ireferensi yenxalenye elungileyo yabatyali zimali zentengiso. Kodwa ukuba siyabaxelela ukuba indala UZeltia Ngokuqinisekileyo uluvo lwakho luya kwahluka kakhulu. Kuba ayinakulibala ukuba i-biotech yaseGalician yayisaziwa kakhulu ngabasebenzisi abakhohlakeleyo kwiimarike zezemali. Ngonqanaba eliphezulu kakhulu ekuqeshweni kwabo ukuba basebenzise ukungazinzi okukhulu okuveliswe ngamaxabiso abo. Apho ngolunye usuku izabelo zabo zinokunyuka nge-10% kwaye usuku olulandelayo lwehle ngamandla afanayo okanye nangaphantsi kwepesenti ephezulu. Ngayiphi na imeko, yayilukhuseleko oludumileyo phakathi kwezinye iiarhente okanye abalamli bezezimali.
Ngokuchasene noko, ngaphandle kokuhlaziywa kwayo, ukungqinelana kwayo kuyafana neminyaka embalwa eyadlulayo xa igama layo yayilelo leZeltia. Ndifumana phi ukucaphula? ngaphezulu kwe-euro ezingama-6 ngesabelo ngasinye. Oko kukuthi, isiqingatha sento exabisekileyo ngalo mzuzu. Kungenxa yokuba kuyinyani ukuba ukubonwa kwakhona kunokuphakama kunakwamanye amaqela ezabelo zeSpanish. Kodwa okoko kulindelweyo kwenziwa kwiimarike zezemali kuyafezekiswa. Akumangalisi ukuba, enye yeempawu zayo ezifanelekileyo zihlala kwinto yokuba kunzima kakhulu ukumisela ukuba yeyiphi imeko yamaxabiso ayo. Into ebuhlungu kakhulu ukuze ukwazi ukuphuhlisa naluphi na uhlobo lwezicwangciso zotyalo-mali.
Unokwenza ntoni ngeli xabiso?
Kukhuseleko olunzima kakhulu ukurhweba nezikhundla zakho kwaye kuya kufuna amanyathelo okhuseleko amakhulu. Esi sesinye sezizathu zokuba kutheni kungacetyiswanga ukuba wabele yonke imali oyigcinileyo kule kubhejo kwii-equities. Ngapha koko, yenzelwe kuphela amaxesha amafutshane kakhulu yexesha. Apho ungathatha khona ukunyakaza okunyusayo kunye nezikhundla ezikufutshane kwisithuba esifutshane sexesha. Kukwaboniswa kakhulu ukuba ayisiyiyo eyona mali yakho iphambili kutyalo-mali. Ukuba akunjalo ngokuchaseneyo, iba yinto yokubheja yesibini egcwalisa ezona zibalulekileyo. Ngokukodwa, ngenxa yomngcipheko oveliswe yimisebenzi yayo. Nasiphi na isicwangciso osisebenzisayo ukusukela ngoku.
Ngayiphi na imeko, yonke imisebenzi e-Pharmamar kufuneka ikhawuleze kakhulu. Zombini malunga nokuthenga kunye nentengiso. Kuya kuba yimfuneko ngakumbi kunangaphambili ukulungisa amaxabiso. Kuba umahluko omncinci unokuthetha i-euro ezininzi ezisemngciphekweni. Ukuya kuthi ga kwinqanaba apho inokumisela khona ukuvela kotyalo-mali. Ngale ndlela, kuya kufuneka ubenegazi elininzi elibandayo ukulawula isenzo sabo. Ngamandla amakhulu kunezinye iintlobo zokhuseleko. Nayiphi na impazamo kubalo olwenziwe inokubangela ingxaki engaphezulu kwesinye kwaye oko kuyakwenza ukuba uzisole ngesigqibo osithathileyo.
Okwangoku, esona sigqibo sihle onokuyenza kukulinda de kube kucace gca ukuba kuya kwenzeka ntoni na xa kuthengiswa eli chiza lichasene nethumba. Ngale ndlela, uya kuthintela ukuba nengxaki engaphezulu kwesinye kubudlelwane bakho nemarike yemasheya. Awunakukhetha ngaphandle kokuhlalutya ubalo phakathi komngcipheko kunye nenzuzo njengoko ikukubonelela ngeli xabiso likhethekileyo njengeFarmamar. Ngayiphi na imeko, enye yeeasethi ngemihla yokugqibela.