Ewe zininzi iiklasi zokutyala imali oyigcinileyo. Kwaye enye yazo ihanjiswe ngendlela yakho yokucinga okanye ukuqonda ubomi. Ngokuqinisekileyo yindlela yokutyala imali ngaphezulu koqobo Ukunxibelelana nehlabathi lemali ngothotho lweendlela iinqobo ezisemgangathweni okanye imigaqo yokuziphatha esekwe ukuqonda ubomi. Ayizukuba lixabiso elongeziweyo ukuphucula inzuzo yakho ukusukela ngoku. Kodwa ubuncinci kuya kukunceda ukuba uhambelane ngakumbi nendlela yakho yokucinga. Ngokudibana ngqo neemarike zezemali.
Ukuze ufezekise ezi njongo, unothotho lwezicwangciso zotyalo-mali ezinokuhambisa ngokufanelekileyo imfuno yakho. Ayisiyokuba le ndlela yokusebenza igcwele kakhulu. Ewe akunjalo, kodwa uya kuba neendlela ezifanelekileyo zokulinganisela izimvo zakho kunye nomsebenzi wotyalo-mali. Hayi kuphela ngemveliso enye yemali, kodwa ngokusebenzisa uninzi oluhlangabezana nezi mfuno zikhethekileyo. Intoni enye indlela nakwiimodeli eziqhelekileyo, zombini kwingeniso emiselweyo nakumahluko.
Ukusukela ngoku ukuya phambili siza kukubonisa into ekufuneka uyenzile iyahambelana noluhlu lweenqobo ezisesikweni zokuziphatha onazo kunye nezo ungafuniyo ukuzipaka. Ngeyona njongo iphambili yokwenziwa komsebenzi ukuze ufumane inzuzo ephezulu. Ayizukuba ngumsebenzi olula kakhulu ukuwenza, kodwa iya kufuna iindlela ezahluke ngokupheleleyo zotyalo-mali kwabo ubusenza isicelo kude kube ngoku. Ngaba uyafuna ukuba lolunye uhlobo lomgcini?
Gcina imali kwixabiso lentlalo
Ukusukela ngoku uya kuba namathuba angaphezu kwelinye ukutyala imali oyigcinileyo kwiinqobo zokuziphatha okanye zentlalo. Ukusukela iindlela ezahlukeneyo kutyalo-mali. Ukusuka kwiimveliso eziqhelekileyo njengemali yotyalo-mali ukuya kuthi ga ngakumbi ethe yahlengahlengiswa ngokusekwe kwezi mpawu zichazwe kakuhle ngokweenjongo abazilandelayo kwasekuqaleni. Ukuza kuthi ga kwinqanaba lokuba banokusebenza njengeyona ndlela intsha kwizinto zakho zokutyala imali.
Kungenxa yokuba, kukho inani leemali ezisekela isicwangciso-qhinga sabo kwezi ndlela zichaphazela ubuntu bakho. Kuba baphuhlisa iimveliso kunye neenkonzo ezinxulunyaniswa namanyathelo okanye imisebenzi ebandakanya a Inzuzo kwezentlaloUkuphuhliswa korhwebo olunobulungisa, ukusebenzisana nemibutho engekho phantsi kukarhulumente, ukukhuselwa komntu, kwanamalinge endalo esingqongileyo. Ngezindululo ezahlukeneyo kuxhomekeke ekubeni ngoobani abaphathi abazikhuphelayo ngentengiso.
Ayithethi ukubuya okuphezulu okanye okuphantsi kunezinye iimali. Umahluko wabo usekubhejo kwiinjongo zabo. Ngeekhomishini ezifanayo kunye nenkcitho kulawulo lwayo njengoko kusetyenziswe ezinye iimodeli zezi mveliso zezezimali. Basebenza ukwanelisa iindlela ezizezakho ngokwembono eyahlukileyo, ekude kakhulu kwizikhokelo eziqhelekileyo kwilizwe lotyalo-mali.
Iimali ezinoxanduva kwezentlalo
Unokufumana kwisibonelelo sangoku kunye notyalo mali olubizwa ngokuba loluntu olunoxanduva kwaye ezihlangabezana nezi mfuno zichazwe kakuhle. Ngokuqinisekileyo uya kubazi ngelinye igama njengotyalomali lokuziphatha kwaye lubonakaliswa ngokufaka isicelo iikhrayitheriya zentlalo nezokusingqongileyo, ukongeza kwiindlela zokuthatha imali ngokwesiko. Utyalomali oluhle ngokuziphatha luhanjiswa ngokweemali ezihlangeneyo. Nangona ezinye iidipozithi zekota zikwabonisa ezi fomathi.
Ukusuka kule meko, iMicrobank Fondo Ético yingxowa mali exubeneyo, ngaxeshanye Ukuziphatha kakuhle nokuxhasa Ezama ukudibanisa ukukhangela inzuzo kunye neenqobo ezinxulumene noxanduva kwezentlalo. Ibonakaliswe ngokusisiseko ngokudibanisa iikhrayitheriya zemveli zotyalo-mali kunye neenqobo zokuziphatha ezinoxanduva kwezentlalo. Ngayiphi na imeko, ayisiyiyo kuphela imveliso enezi mpawu, kodwa ezinye iinkampani zolawulo ziphuhlise iimodeli zotyalo-mali ezineempawu ezifanayo.
Iindlela zolu tyalo mali zininzi kakhulu kwaye zinokwahluka okunamandla ekwakhiweni kweephothifoliyo zabo. Ukusukela iindlela ezigqwesileyo zendalo Apho ukhuselo nokhuselo lokusingqongileyo kunikwa kuqala kolo tyalo mali olungenayo njengeziko ekubhekiswa kulo ekuvelisweni kwezixhobo okanye ngokuchasene nezenzo ezithile ezichasene nokuxhatshazwa ngokwesondo okanye kwihlabathi lomsebenzi. Ngothotho lweemali ezithile ezihlangabezana neemfuno zokuba noxanduva kwezentlalo kwiindlela zabo.
Gcina imali kubumbano
Enye imodeli yokulawula ukonga kwakho isekwe kwesi sicwangciso. Kananjalo ngokusebenzisa imali yotyalo mali. Kodwa yintoni imali yokubambisana ngokwenene? Ewe, ngokusisiseko kwesizathu esahlula kwezinye iintlobo zeemveliso. Kuba, enyanisweni, inokufumana amanqaku engxowa mali yotyalo-mali esisigxina, eyahlukileyo okanye edibeneyo. Kodwa ngokungafaniyo noku, izinikele ekuphuhliseni utyalomali ngokusekwe kuthotho lobumbano okanye imigaqo yokuziphatha. Ukuze ngale ndlela, ube kwimeko yokutyala imali ngokweyakho iinkolelo zakho.
Isithembiso esenziwa ziinkampani zolawulo kunye neebhanki ngokwazo zibanzi kakhulu. Uluhlu olubanzi lwezi mveliso zemali. Ukuza kuthi ga kwinqanaba lokuba ungakhetha phakathi kweemodeli ezininzi ezinezi mpawu. Ngeentlobo ngeentlobo zemiba ebaluleke kakhulu ekufuneka uyithathele ingqalelo xa uza kubhalisa nayiphi na kwezi mali zotyalo-mali. Awuyi kuba nayo akukho ndleko zongezwa, nkqu iikhomishini eziphakamileyo. Into ekufuneka uyijongile kukuba bakunika eyona ntsebenzo ifanelekileyo. Ayothusi into yokuba yeyona ngxaki iphambili oya kuyifumana ukusukela ngoku.
Enye into ekufuneka uyivavanyile inxulumene nayo Umda kutyalo-mali lwakho. Kuba ngokwenyani, bayazenza kwaye bagubungela amakhonkco amaninzi eshishini. Kuya kufuneka uyazi ukuba ipotifoliyo yemali yobumbano ayibandakanyi iinkampani ezingaphumeleliyo ukuthobela imithetho echasene nokusingqongileyo, ukukhankanya nje omnye wemizekelo yezi ndlela zotyalo-mali. Okwangoku ngekhe ubenobunzima bokuzibhalisa kulo naliphi na iziko lemali. Nokuba kwibhanki yakho yobomi bonke.
Zininzi iindlela zokuziphatha
Ukwanazo nezinye iindlela zokujoyina ezi nkqubo. Hayi ngokuthe ngqo njengotyalo-mali lwakho. Kodwa ngeli xesha njengomthengi weziko kwezi mpawu. Ekuqeshweni kwazo zonke iintlobo ze iimveliso zemali. Iiakhawunti zangoku, iidiphozithi, iimali mboleko zakho okanye nokwenziwa ngokusemthethweni kobambiso. Ngale ndlela, unokufaka isandla kwezi ndlela zentlalo kwasekuqaleni. Ngaphandle kokubandakanya nayiphi na into ekhethekileyo yokusebenza kwakho njengomsebenzisi oqhelekileyo weziko.
Ngale nto Isicwangciso esikhethekileyo kwaye kwangaxeshanye ukwenza izinto ezintsha, uya kufumana amaziko ezemali ukuxhasa amanyathelo okuqala, iinkampani kunye namaziko akhuthaza ulondolozo lwezixhobo zendalo kunye nokubonelela ngezisombululo ezitsha nezinyanisekileyo zeteknoloji, ehlonipha okusingqongileyo. Ngendlela elula kwaye ayizukubandakanya iingxaki ezininzi ukubeka ezi zimvo kuzo. Esona siphendu ekuphenduleni esi sicelo sodwa kukuba awuyi kuba neendlela ezininzi. Kodwa endaweni yoko, kunqabile kunikezelo lwangoku.
Ngayiphi na imeko, banikezela ngemveliso zebhanki kunye neenkonzo ezinxibelelene ngqo nozinzo. Izenzo njengemihla ngemihla njenge ukuvula i-akhawunti yokugcina, ukuhlawula amatyala ngqo okanye ukwenza ukuthenga kwethu okuncinci imihla ngemihla kube negalelo kuluntu olunobulungisa kunye neplanethi ecocekileyo. Ukongeza, kuyacetyiswa ukuba iimveliso zibandakanye ixabiso elongeziweyo, njengokusebenzisa iiplastikhi ezinokuboliswa ziintsholongwane kumakhadi okuthenga kunye nakwikhadi letyala, iphepha le-FSC, umnikelo kwiiakhawunti kunye needipozithi okanye ukulinganiswa kwamandla kubambiso.
Zithini iinjongo ekufuneka kufikelelwe kuzo?
Ngayiphi na imeko, iyakwenza ukuba wenze uthotho lwezenzo eziza kukunceda ukuba uhambelane ngakumbi nendlela yakho, hayi kubudlelwane bakho ngqo kunye nehlabathi lotyalo-mali, kodwa njengomthengi oyinyani. Ukusuka kwezi ndlela, kuya kubakho iinjongo ezininzi onokuzigubungela. Ngaba uyafuna ukwazi ezinye zazo? Ewe, nikela ingqalelo encinci.
- Baya kuba kwimeko yokukubeka njenge umtyali mali wemveli kwaye ngaphandle kolu khetho lungaqhelekanga.
- Uya kunika impendulo echanekileyo kwi indlela yokucinga okanye yokwenza. Ngaphandle kokubandezeleka ngokobuqu okanye ngokuziphatha.
- Kule ndlela yotyalo-mali unako yenza imali oyigcinileyo inenzuzo. Nangona kungekho siqinisekiso kwipesenti yoko. Ukhuseleko aluyi kuba lelinye lamagalelo akho aphambili.
- Ukuhanjiswa kwezi mveliso kuyahamba ukwanda ngokukodwa kule minyaka idlulileyo. Ukuya kwinqanaba lokuba uyilo lwezi mveliso zezezimali luqheleke ngakumbi. Iimodeli ezintsha kunye nezinto ezintsha ezivuselelayo.
- Kukho neebhanki ezilawulwa phantsi kwezi iinkqubo zokuziphatha. Apho ungabhalisela khona iakhawunti yokonga okanye ufake isicelo semali-mboleko yokuthenga indlu Amajelo avulwa ngakumbi kwimidlalo yakho yobuqu.
- Kuzo zonke iimveliso zezezimali, ziingxowa-mali zotyalo-mali apho unelona nani liphezulu lezindululo zokuhambisa oku imfuno okhethekileyo. Nditsho nokwenziwa kweqelana ngaphakathi kwale mali inye.
La ngamacandelo anokukhula okukhulu, njengokusebenza kakuhle kwamandla, ezolimo nendalo, ulwakhiwo oluzinzileyo, imiboniso bhanyabhanya, ukudityaniswa kwezentlalo, ukhathalelo lwabantu abaxhomekeke kubo kunye nemfundo. Nayiphi na kuzo inokuba yinto ekujongwa kuyo. Ukuya kwinqanaba lokuba inokusebenza njengokuncedisa kwimisebenzi yakho yesiqhelo kwiimarike zezemali. Ekuthengweni nasekuthengisweni kwezabelo, ukubhaliswa kweziqinisekiso okanye ezinye iimodeli zotyalo-mali.