Ukuba uzinikezela rhoqo kwimarike yemasheya, kuya kufuneka wazi esinye seziqendu ezikunceda kakhulu kutyalo-mali, njenge-BPA. Ewe, ziyahambelana nesalathiso esibala icandelo le- Inzuzo yenzuzo yenkampani isasazwa kwisabelo ngasinye esenza imali eyinkunzi. Kubaluleke kakhulu ekukhetheni kwezokhuseleko ocinga ukuba zinokuqhuba kakuhle kule minyaka izayo. Akumangalisi ukuba ibe Ipharamitha Eyona nto isebenzayo kwimarike yemasheya kwaye kuyo nayiphi na imeko yimitha esetyenziselwa uhlalutyo lokulinganisa ukulinganisa ixabiso elinokufikelela kumaxabiso esitokhwe. Kwelinye icala, yiparameter elandelwa ngokubanzi ngabatyali mali abafuna ukwenza imisebenzi yabo kwimarike yemasheya ngesiqinisekiso esikhulu sempumelelo.
Nokuba siphi na isicwangciso sakho sotyalo-mali, alithandabuzeki elokuba umvuzo ngesabelo ngasinye awusoze usilele kuhlalutyo lwakho lobuchwephesha. Ukuya kwinqanaba lokuba inokumisela ukuba ukhetha isitokhwe esithile ukuze wenzakalise abanye. Ngenxa yokuba, njengoko ubona, i-EPS yahlukile kolunye lwezokhuseleko ezibhalwe kwiimarike zezabelo. Nokuba ku Umthombo wakho wohlalutyo uhlala ufana yabo bonke. Kwelinye icala, awungekhe ulibale ukuba le parameter yentengiso yesitokhwe yenye yezona ndawo zibalaseleyo ezaziwayo kwaye unokufumana nakuphi na ukupapashwa kwezemali. Inokude ikunike nendawo yokungena ukuze wenze imali kubutyebi bakho.
Kwakhona kwaziwa ngesiNgesi njenge-EPS (imivuzo ngeSabelo ngasinye), ukuze uyazi ngcono, icandelo lenzuzo epheleleyo yenkampani edweliswe kwiimarike zezemali. Uninzi lwabahlalutyi bezemali babhekisa kwi-BPA njengomnye wabo imithombo yolwazi ukucebisa ngezokhuseleko eziza kwenza ipotifoliyo yabathengi yokutyala. Nokuba iphambi kokuqwalaselwa kobuchwephesha kwaye mhlawumbi ikwindawo yokujonga esisiseko. Ayothusi into yokuba banokunika isikhokelo esingaphaya kwesinye malunga nokuba yeyiphi na imeko yezenzo. Into engasoloko ilula kwaye ilula, njengoko isaziwa ngabatyali mali abanamava ngakumbi kwiimarike zezemali.
BPA: ngaba le parameter inokuthenjwa?
Into yokuqala oza kuyazi ukusukela ngoku ukuya phambili kukuba ingaba ingeniso yesabelo ngasinye kufuneka sithathelwe ingqalelo ukwenza utyalomali lwakho. Ewe, kule ngqondo akukho nto ibhetele kune idatha ebalulekileyo ukwenza lo msebenzi kwiimarike zesitokhwe. Okokuqala, kuba akukho kukrexeza kwidatha, ukuba akunjalo, ngokuchaseneyo, sisibonakaliso esineenjongo malunga nexabiso lemarike yemasheya. Ukongeza, ayisosiphumo sokuqikelela kwedatha, okanye uhlalutyo olunomdla lwenxalenye enkulu yabalamli bezezimali. Zisekwe kwidatha ye-accounting yeenkampani ngokwazo ezidweliswe kwiimarike ze-equity.
Ewe kunjalo, enye yezinto ekufuneka ziqwalaselwe kumvuzo ngamnye kwisabelo yile ibhekisa kwinto yokuba inokunika a imeko yexabiso umbuzo. Ukuba akunjalo kwixesha elide, ngokuqinisekileyo abo basondeleyo, oko kukuthi kwixesha elifutshane neliphakathi. Apho ulwazi olunokubaluleka okukhethekileyo ukuze abatyali mali abancinci nabaphakathi benze isigqibo ngokubhekisele kumaxabiso esitokhwe ukuba babe kwiipotifoliyo zabo kwiiveki ezizayo.
Ibalwa njani i-BPA?
Lixesha lokuba uchaze ubucukubhede bokwazi ngokuqinisekileyo imivuzo ngesabelo senkampani esidweliswe kwiimarike zezabelo. Ewe, kwaye ukunqanda ukungaqondani, ukubala kwayo akubonakali kakhulu. Kungenxa yesiphumo sokusebenza kwe Yahlula-hlula inzuzo yenkampani phakathi kwenani lezabelo zizonke enyakeni. Ngale ndlela umphumo uya kufezekiswa ngaphandle kobunzima obagqithisileyo. Nangona kunjalo, kuyinto enqwenelekayo ukuba lo mlinganiselo ubalulekileyo wentengiso yesitokhwe uhambisane ngokufanelekileyo nabanye. Isizathu kukuba kukho amathuba okuba inkampani ehlalutyiweyo iya kwenza ingxelo yayo. Nangona le ntsebenzo ingqinelana kuphela nesitokhwe esincinci. Ewe ayizizo iitshiphusi ezinkulu eziluhlaza kwimarike yesitokhwe sikazwelonke.
Kwelinye icala, kukho i-BPA enzima ngakumbi leyo ihlanjululwe. Kule meko ibhekisa kwiinkampani ezineeasethi ezingcolisa inzuzo yesenzo. Le meko inokonakalisa isicwangciso esiza kuthathwa ngabatyali mali kwiintsuku ezizayo. Kungenxa yokuba ii-ratios zinokudideka kwixesha elingaphezulu okanye elingaphantsi kobunzima beenkampani ngokwazo. Ukuza kuthi ga kwinqanaba lokuba kunzima kakhulu ukwenza isigqibo malunga nokhuseleko ekufuneka senze iphothifoliyo yethu yokhuseleko. Apho kunzima kakhulu ukuqonda elona xabiso lokwamkelwa ngesabelo ngasinye. Ngenxa yeziphene zalo msebenzi.
Ichaphazela njani amaxabiso?
Ewe umvuzo kumvuzo ngamnye okanye, ngamanye amagama, i-EPS inokuchaphazela ukusebenza kweenkampani ezidweliswe kwiimarike zezabelo. Iziphumo zayo zininzi kwaye ngenxa yesi sizathu sichanekileyo kufuneka uyithathele ingqalelo le nto xa usenza imisebenzi. Ngenxa yokuba ingakulungeli ukuba le datha iya kukunika ngaphezulu kwesiginali enye malunga nokuba kufuneka utyalomali lwakho lusiya phi ukusuka ngoku. Kule meko ngokubanzi, ezi zezinye zeemeko ezinokuthi zivele kwiimalike zemali ezilinganayo.
Ukuba ufumanisa ukuba inkampani inemivuzo ephantsi ngesabelo ngasinye kunokuthetha ukuba isitokhwe asixabisekanga. Kodwa kunokwenzeka ukuba kwikamva elingekude kakhulu isicatshulwa sakho singaphucula ubukhulu becala, kwixesha eliphakathi nelide. Nangona kungenjalo kuzo zonke iimeko esi siphumo sinqwenelekayo siveliswa ngabatyali mali abancinci nabaphakathi.
Izibonelelo eziyinxalenye ye- Umyinge wenzuzo kwaye ke lithuba elilungileyo lokufumanisa eyona nto ikhoyo yezokhuseleko apho ufuna ukutyala imali oyigcinileyo. Kungenxa yokuba ekupheleni kosuku baya kukunika ukuba zeziphi izindululo zentengiso yesitokhwe eziza kuphendula kakuhle kwiimarike zezemali kwezi nyanga zizayo okanye kwiminyaka. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko.
Enye into ekufuneka uyithathele ingqalelo kukuba kwiimeko ezithile iinkampani ezidwelisiweyo ziye izabelo ezikhethiweyo. Ngenxa yoku kugqwetha okubalulekileyo, musa ukulibala ukuba ukubalwa kwe-EPS kuyahluka kancinci. Kuya kuba kubaluleke kakhulu ekumiseleni eyona meko yesitokhwe esithengiswa kwii-equities.
Ukusuka kwenye indawo ukujonga, khumbula ukuba umvuzo ngesabelo ngasinye ukwabonisa ukuba zithini ixabiso indlela yokuziphatha engcono banokuba nekamva elingelide kakhulu. Kwaye ngesizathu esinye, isiphumo esichaseneyo, esinokuphuhlisa ukuwa okuphawulekayo kunye nokuhla kwexabiso lemali oyityalileyo kwiinyanga ezimbalwa ezizayo. Kuzo zombini iimeko, kuya kuba yimfuneko kakhulu ukuba ubekho kwindaleko yayo kwaye ke ngale ndlela ukwimeko yokuthatha isigqibo esifanelekileyo.
Ithemometha yokufumana inzuzo
Kwelinye icala, lo mlinganiselo ulinganisa inzuzo efunyenwe yinkampani edweliswe kwiimarike zesitokhwe. Apho iphezulu imivuzo ngesabelo ngasinye okanye i-EPS, kokukhona kuya kuba nokusebenza kwayo xa kuziwa kudweliso kwiimarike zesizwe okanye zamazwe aphesheya. Ngale ndlela, kubaluleke kakhulu ukuba uyazi ukuba sisiqwenga solwazi ukuba ibonelelwe phantse ngawo onke amaqonga ezemali Kwimeko apho ungamangalela ibhanki apho ubeke khona iziqinisekiso zakho okanye i-inshurensi yotyalo-mali. Baza kukunika ngaphandle kweengxaki ezigqithileyo kuba lulwazi oludlangalaleni kubo bonke abatyali mali abancinci nabaphakathi.
Ngomnye umthambo, i-BPA nayo ithathela ingqalelo ityala kwaye hayi ixabiso lentengiso kuphela. Oku kunzima kakhulu ukubala kwaye ke kufuna uthotho lweengxelo eziza kuchazwa ngakumbi ngabalamli bezezimali. Ukuya kwinqanaba lokuba kuya kuba nzima ngakumbi ukutolika kwaye usenokungabi nakho ukufunda okuyimfuneko ukukugqithisela kutyalo-mali lwakho. Ke ngoko, awuzukukhetha ngaphandle kokulandela izikhokelo ezicetyiswe ngumcebisi wakho wentengiso yesitokhwe. Ngubani oya kuba nakho ukuxabisa ezi zilungelelaniso kwihlabathi elihlala linzima
Ubudlelwane ngqo ne-PER
Okokugqibela, kufanele ukuba kukhankanywe ukuba umvuzo kwisabelo ngasinye unxibelelene ngokuthe ngqo nokubalwa kwesinye sezalathi ezisetyenziswa kakhulu ngabatyali mali kwimarike yemasheya kwaye yi-PER. Idatha yentengiso yesitokhwe ngumlinganiso ohambelana ngokuthe ngqo kwixabiso lesabelo kwi-EPS. Ngesi sizathu, unxibelelwano lwabo lungaphantsi kokudibeneyo kwaye ngokudibeneyo ikuvumela ukuba ube nohlalutyo olupheleleyo ngakumbi lwezokhuseleko ezibhalwe kwiimarike zesitokhwe. Apho ukubala kwempazamo kuya kuba sezantsi kakhulu kwaye kuya kukunceda uphucule utyalo-mali lwakho nakuluphi na uhlobo lwezicwangciso kwaye ngaphandle kokukhetha naluphi na uhlobo, njengakwezinye iiparameter.