Iimarike zamasheya kwihlabathi liphela ziye zaxabisa ngaphezulu kwama-20% kwiiseshoni ezimbalwa kakhulu zokurhweba kwaye okwangoku lixesha lokwandiswa kwecoronavirus. Kungenxa yokuba enyanisweni okona kuthotyelwayo kumaxabiso ezabelo kukuba imisebenzi yezoqoqosho ibuyela kumazwe aphambili kwihlabathi. Ngale ndlela, isalathiso esikhethiweyo sengeniso yelizwe lethu, i-Ibex 35, isukile kumanqanaba amanqaku angama-6.600 8.000 ukuya kusithintelo esinamanqaku angama-XNUMX. Kukhuphiswano oluphezulu oluthe lwatsala umdla wenxalenye elungileyo yabatyali mali abancinci nabaphakathi abathe kwiimeko ezininzi bashiywa ngaphandle kwizikhundla kwezi asethi zemali.
Kodwa abahlalutyi bezemali abambalwa bacinga ukuba le meko ayinakwenzeka emva kokuphulukana nengeniso yeenkampani ezidweliswe kwiimarike zezabelo. Ukusuka kule ndawo yokujonga, akunakugwetywa ngaphandle ukuba uhlengahlengiso kumaxabiso obuninzi obunokwenzeka kwiintsuku ezizayo. Ngale ndlela, ayinakulityalwa ukuba amacandelo afana neebhanki okanye ukhenketho alugcinile ukonyuka kwamaxabiso ngaphezulu kwama-30% okanye nangaphezulu kwizindululo ezithile. Ukuya kuthi ga kwinqanaba elingenangqondo kuxhomekeke kwinyani eboniswe zezi nkampani zidwelisiweyo.
Ukusuka kule ndawo yokujonga, esona sicwangciso silungileyo sotyalo-mali esinokuthi sithathwe kukuba sikhethe ngakumbi kunangaphambili ekumiseleni ipotifoliyo yethu ukusukela ngoku. Kule meko ngokubanzi, akukho mathandabuzo ukuba abatyali zimali abancinci nabaphakathi banokuwela kukugqithisa kwethemba. Ngokunikwa isilumkiso esicacileyo esivela kubahlalutyi beemarike zezabelo ukuba le ngxaki izakuba mbi kakhulu kunokuba bekulindelwe kwaye iimarike zigxile kumanyathelo okhuthazo oorhulumente kunye neebhanki eziphambili. Ngale ndlela, kunokuthiwa ukuba iimarike zezemali zenziwe zedopoli kwaye imeko inokutshintsha kwangoko xa isiphelo siphela.
Iingozi zamva nje: izibonelelo ezimbalwa
Enye yeengxaki ezijamelene neemarike zesitokhwe kukuba inzuzo yeenkampani ezidwelisiweyo yehlile ngenxa yemeko edalwe kukwandiswa kwe-coronavirus kwihlabathi liphela. Imeko eya kuthi okungenani ithathelwe ingqalelo kwikota yesibini nakwisithathu sonyaka. Apho iiakhawunti zakho zeshishini ziya kusokola kule meko ibalulekileyo kwixesha elifutshane. Ngempembelelo kwangoko kumaxabiso ezabelo ezi nkampani. Ngokusika okunokwenzeka kumaxabiso eenkampani ezininzi ezidweliswe kwimarike yemasheya ngokubhekisele kumaxabiso azo. Okwangoku kugqithiswe ngokucacileyo, ngakumbi kwamanye amacandelo afanelekileyo kwiimarike ze-equity.
Kwelinye icala, ayinakulityalwa ukuba lo nyaka awuzukuba kwimeko entle kwezoqoqosho kwezi ntsuku kwaye le yenye yezinto ezidlala ngokuchasene nokunyuka kwemarike yemasheya kwiinyanga ezizayo. Kunye nenyaniso yokuba ukuthengisa kuya kusokola kula maxesha kwaye ke ixabiso lezabelo zalo kuya kufuneka lihlengahlengiswe kwiinyanga ezizayo okanye ubuncinci iiveki. Ngale ndlela, kufuneka sikhathalele kakhulu into enokwenzeka kwiimarike zemali ukusukela ngoku ngokubhekisele kwinto enokwenzeka kwiimarike zezemali. Ngokukodwa ukuba kukho iliza lesibini kulwandiso lwe-coronavirus kwaye kwimeko apho esi siphumo sokwehla kuya kuphuculwa. Lo ngumba ekufuneka abatyali zimali abancinci nabaphakathi bahlawule ingqalelo kuwo.
Ukuhla ekukhuleni koqoqosho
Enye into ekufuneka ilungisiwe ukusukela ngoku kukuhla kokukhula koqoqosho kumazwe anesisindo esikhulu emhlabeni. Ukuya kwinqanaba lokuba inokubangela ukuba ixabiso lesitokhwe liye ezantsi kwiintsuku okanye kwiiveki ezimbalwa ezizayo. Ngokuhla okubonakalayo kokuhla kwabo badweliswe ngeli xesha kwaye oko kungakhokelela ekuphulukaneni nemali eninzi kwimisebenzi evulekileyo kwiimarike ze-equity. Ukusuka kolu luvo, kukhethwa ukuba ungaphandle kweemarike zezemali ukuze ngale ndlela izabelo zeenkampani zithengwe ngexabiso elilungelelaniswe ngakumbi kunangoku. Ngokwehla okungaphezulu kokunokwenzeka kwipotfoliyo yotyalo-mali kule nxalenye yalo nyaka.
Ngelixa kwelinye icala, okungabalulekanga kangako kukuba ukusukela ngoku iziphumo zecoronavirus ziya kubonakala ngakumbi kwiiakhawunti zeenkampani ezidwelisiweyo. Ngokwehla kweentlawulo zabo kwaye oku kuya kubangela ukuba amaxabiso abo kwisabelo ngasinye abe sezantsi kunokuba beqikelelwe ngalo mzuzu kanye. Esinye isiphumo sale meko intsha kwiimarike zamashishini ezingenanzala emisiweyo kukuba ekugqibeleni ukunqongophala kokukhula kuchaphazela iiakhawunti zeenkampani ezidwelisiweyo ngokwazo. Ukuza kuthi ga kwinqanaba lokuba kungangumlinganiso wokuqala umdyarho we-bearish ubuncinci kwixesha elifutshane, ngokuhla okukhulu kuqikelelo lwamaxabiso abo kwiimarike zezemali.
Ukulungiswa kwexabiso
Ewe, ayinakulityalwa ukuba zonke iimarike zokulingana zikhule iminyaka emininzi. Ukuza kuthi ga kwinqanaba lokuntywiliselwa kwelona xesha liphawuleka kakhulu kule minyaka ingama-78 idlulileyo kwaye akukho mathandabuzo ukuba le meko kufuneka iphele kungekudala okanye kamva. Akumangalisi ukuba, akukho nto inyukayo ngonaphakade, kuncinci kwiimarike ze-equity. Ukusuka kule ndawo yokujonga, ukulungiswa kwamaxabiso eenkampani ezidwelisiweyo kuya kuba yinto eqhelekileyo kwaye isengqiqweni. Kuba ngokwenyani, iya kuba yindlela yokuziqhelanisa nomthetho wonikezelo kunye nebango kwezi asethi zemali. Akunakulityalwa ukuba iimarike zezemali zixabise kakhulu nokuba zithathela ingqalelo i-bearish ukutsala njengesiphumo sokwandiswa kwe-coronavirus.
Ngelixa kwelinye icala, kufuneka sigxininise into efanelekileyo yokuba ukulungiswa kwexabiso yenye yeenkqubo eziqhelekileyo kwiimarike zezabelo. Akufanelanga ukuba nexhala kakhulu ngale nto kwaye, endaweni yoko, inokusinceda ukuba sizithenge izabelo ngexabiso eliqine kakhulu kunangoku. Ukuze ngale ndlela, sikwimeko yokuba sibe nakho ukubanakho ukuphinda siqwalasele izindululo zephothifoliyo yethu yezokhuseleko. Eli licala elihle kakhulu kubatyali zimali abancinci nabaphakathi abakwizikhundla zokuthenga kwaye bakunika ithuba lokuthatha ithuba lamathuba okwenene oshishino aveliswa ngala maxesha. Kwaye ke lixesha lokuyisebenzisa, ukuba le meko siyicebisayo iyenzeka.
Lungisa iiphothifoliyo zotyalo-mali
Enye into ekufuneka ilungisiwe ukusukela ngoku yile inxulumene nethuba elinikezelwa ziimarike zezemali ukutshintsha ipotfoliyo yotyalo-mali. Ngotshintsho esinokuthi siluthathe kunye neeasethi zemali ezibonisa ezona ndlela zibalaseleyo ngalo mzuzu kanye. Ukujongana nabanye ababonelela ngobuchwephesha obungcono kwaye babonelele ngeendlela ezingcono zokwenza ukonga kunenzuzo kutshintsho lweqhinga lotyalo-mali. Yinkqubo ekufuneka yenziwe ngabo bonke abatyali-mali amaxesha ngamaxesha ukunika imodeli yotyalomali inkqubela phambili kwaye ke bayiphucule ngokwembono yenzuzo yabo. Kananjalo nenyani yokuba ayizukunika mathuba matsha okujongana nezinye ii-asethi eziyimali ebesingenazo ukuza kuthi ga ngoku. Inokuba ngumzuzu wokuyenza ngendlela entsha kunye nokuziqhelanisa neemeko ezikhoyo zoqoqosho lwamanye amazwe.
Ukukhuthaza utyalomali olutsha
Kwelinye icala, ukulungisa iiphothifoliyo zotyalo-mali kungasinceda ukusukela ngoku ukukhuthaza utyalomali olutsha ngesiqinisekiso esikhulu sempumelelo kunangoku. Ukusuka kule ndawo yokujonga, ngumsebenzi omtsha ekufuneka abatyali zimali abancinci nabaphakathi benze. Njengefomyula yokuphucula iziphumo zotyalo-mali lwethu nokubakho kwiimarike zezemali zazo zonke iintlobo nendalo. Ekupheleni kosuku, sisenzo esinokuba sihle kubo bonke abasebenzisi kwaye kwinqanaba elikhulu okanye elincinci kufuneka lenziwe ngohlalutyo olungqongqo lweeasethi zemali ekufuneka bekhethe ukuphucula utyalo-mali lwabo, iimodeli ezizezinye ebesingenazo ngalo mzuzu.
Kuya kufuneka sijolise kwenye inyani efanelekileyo efana naleyo ivela kumgangatho wayo wokucoca. Oko kukuthi, ukugxila kwezona asethi zibalaseleyo zezemali ngalo mzuzu kwaye ngenxa yoko sisebenzise imali eyinkunzi esinayo kolu hlobo lwemisebenzi kubudlelwane bethu nehlabathi lemali. Ngokuphathelene noku, kufanele kuqatshelwe ukuba iframe yabatyali-mali isasazeka ngendlela ingxaki ye-coronavirus eya kuthi ichaphazele ukukhula kunye nendlela oosomashishini abafuna imali kwilizwe elinengeniso ephantsi.
Utyalomali olukhuselekileyo
Kwezi veki zidlulileyo, umfelandawonye omtsha kunye neenzame zisungulwe ukuze basebenzisane ngcono. Abanye babona ithuba lotshintsho kushishino lwezezimali kunye nokudityaniswa kweziphumo, ngelixa abanye bexhalabile ukuba imali ingabaleka ikhangele oko abanye abatyali mali babona njengotyalo-mali olukhuselekileyo. Ingxowa-mali entsha ifuna ukwandisa ifuthe lotyalomali ngamanyathelo adityanelweyo. Ingxowa-mali yokuThintela amaNqaku, esungulwe liqela leziseko, ijolise ekuncedeni ukwakha icandelo lefuthe lotyalo-mali. Nantsi indlela eya kusebenza ngayo kwaye yintoni oza kugxila kuyo kuqala.
Ukunyuswa kwezoqoqosho kwindyikityha ye-COVID-19 kukhokelele ekubeni abatyali mali abaninzi balahlekelwe yimali, uninzi lwabo luthathe uhlobo lokugcinwa, kunye nenani elikhulu lokurhoxa kutyalo-mali kumazwe anengeniso ephantsi. INkomfa yeZizwe eziManyeneyo kwezoRhwebo noPhuhliso iqikelela ukuba utyalomali lwangaphandle ngqo kwilizwe jikelele lunokwehla phakathi kwama-30% nama-40% ukusuka kowama-2020-2021, kwaye ukwehla okubonakalayo sele kuqatshelwe kumazantsi eSahara eAfrika kwiinyanga ezininzi.
Kukhawuleziswe isantya sotyalo-mali
Ukanti uninzi lwabatyali zimali lusaqhubeka nokutyala imali, iingcali kunye nabatyali zimali baxelele u-Devex, bezama ukunceda iinkampani abasebenza nazo ukuba zikhawuleze ukuphendula ubhubhane okanye bajonge phambili ukubona ukuba loluphi utyalo mali olunokunceda ukubuyela kwimeko yesiqhelo kunye nokwakha ukomelela kwixa elizayo.
Ubhubhane "luvavanyo kwicandelo lotyalo-mali lwempembelelo," utshilo uSean Hinton, umphathi weNgxowa-mali yoPhuhliso lwezoQoqosho eSoros, kwingxelo. U-Amit Bouri, u-CEO we-Global Impact Investing Network, uthe utyalomali lwefuthe "lubaluleke kakhulu kunangaphambili" kwaye wacela abatyali zimali ukuba "beme ngalo mzuzu."
Imeko yenkxaso-mali yoosomashishini bezentlalo ayenzi ukuba izinto zibe lula, kodwa abatyali zimali bajonge ekusebenzisaneni ngcono ukukhawulezisa isantya sotyalo-mali kunye nokulungelelanisa imilinganiselo kunye nezenzo. Abanye bakholelwa ukuba oku kunokuba yinto yokuguqula iinkqubo zezezimali zehlabathi, iingcali kunye nabatyalomali baxelele uDevex.
"Asinakuvumela impembelelo ukuba ingabikho kwiziko lokubuyiselwa kwimeko yesiqhelo kuba indlela esiya ngayo kwisigaba sokubuyisela iya kuchonga ukuba ngaba siya kwindlela entsha yoqoqosho nefuthe kwiziko," utshilo uSebastián Welisiejko, umlawuli womgaqo-nkqubo kwiGlobal Iqela elilawulayo loTyalo-mali lweMpembelelo.
Ngaba ikhona imali?
Ukutshatyalaliswa kwezoqoqosho, ukungazinzi kweemarike kunye nokungaqiniseki kuhlala kukhokelela kutyalo-mali ukuba luthathe amanyathelo okuzimela, kwaye ngelixa oko kuyinyani, abanye abatyali zimali ezichazayo ukuba bayaqhubeka nokwenza utyalomali olutsha. Ngelixa abanye abatyali mali beyekile ukwenza amashishini amatsha phakathi kokungaqiniseki, abatyali mali abachaphazelayo banamathuba ngakumbi, utshilo uMeredith Shields, umlawuli wempembelelo yotyalo mali kwiSorenson Impact Foundation, kwaye basakhangela iindlela zokukhupha ikomkhulu lakho ngaphandle kwemiceli mngeni.
Iminyaka emibini ezayo inokubuyela kumanqanaba otyalomali lwangaphambi kwentsholongwane e-Afrika, amacandelo efumana amazinga ahlukeneyo, kwaye ishishini lezokhenketho ikakhulu kulindeleke ukuba lihlupheke ixesha elide, utshilo u-Yemi Lalude. , kwisiganeko esikwi-intanethi esandula ukwenzeka. Ngelixa abatyali zimali kunqabile ukuba bangxamele kwiimarike ezisakhasayo xa bezibeka "ngaphandle kwengozi", eyona nto ibalulekileyo kweli thuba lotyalo-mali eAfrika alikatshintshi, utshilo.
Iimarike ezizezinye
Abatyalomali abasebenza kumazwe anengeniso ephantsi banokudlala indima ebaluleke ngakumbi, ngakumbi ekwenzeni inyameko efanelekileyo. I-Alitheia Capital ese-Nigeria iye yafumana abaguquleli ukuba bacele inkampani ukuba ikhokele imisebenzi efanelekileyo, utshilo uTokunboh Ishmael, umseki kunye nomlingane ophetheyo e-Alitheia.
IAlitheia Capital ihlala ijolise kutyalo-mali lwayo kumacandelo abalulekileyo anje ngononophelo lwempilo, ezemfundo, iinkonzo zezemali kunye namandla kwaye 'inethemba' lokuqhubeka nokutyala imali kwezi ndawo, ezinokuthi ziphinde zibuyele emva kwengxaki, utshilo. Ngelixa abanye abatyali mali banokuqhubeka nokuhambisa imali, indlela abenza ngayo iyatshintsha njengoko befaka umngcipheko omtsha. Ngenxa yoko, kuya kuba nzima ngakumbi koosomashishini ukufumana amaxabiso amakhulu, njengoko abatyali mali beya kufuna ukhuseleko njengokukhetha indawo yokuhlala kwezo ntengiso.
Kodwa iinkampani akufuneki zixhalabe ngoqingqo-maxabiso kunye nemigqaliselo-ukuba banokufumana imali ngoku, kufanele, utshilo u-Justin Stanford, umlingani jikelele we-4Di Capital. UIshmael uphindaphinde la macebo, wongeza ukuba iinkampani kufuneka zisebenze ngakumbi ekukhuliseni imali kunye nokuqonda ukuba zinokwenza njani oko banako ixesha elide.
Impembelelo entsha kutyalo-mali
Impembelelo Abatyali zimali bajoyina uthotho lweenzame zokusebenzisana ukulungelelanisa nokukhawulezisa impendulo yomzi bhubhane kwaye, kwezinye iimeko, ukuzibophelela ekwabelaneni ngolwazi ngemibhobho okanye iinkqubo zokukhuthala ngendlela engakhange yenze ngaphambili.
Uthungelwano lwezoTyalo-mali lweMpembelelo kwiHlabathi kutshanje luphehlelele uManyano loTyalo-mali lokuSabela, ukuBuyisa kunye nokuQiniseka ukuze kulungelelaniswe iinzame zotyalomali zokujongana neziphumo zentlalo nezoqoqosho zalo bhubhane. Umdibaniso uza kudibanisa abatyali mali kwaye ufune ukuqaqambisa amathuba otyalo-mali, uncede ekugcwaliseni izikhewu zenkxaso-mali kunye nokusasaza ngokukhawuleza imali.