Ukwanda kwemali: yintoni, kwenziwa nini, njl.

inkunzi Ewe kunjalo, ukuba ungumtyali mali omncinci nophakathi, uyazi ukuba ukonyuka kwemali eyinkunzi yinkqubo leyo inxibelelene ngokusondeleyo neemarike zezabelo. Ukuza kuthi ga kwinqanaba lokuba ungade ufumane imali ngale misebenzi ikhethekileyo. Kuyinyani ukuba ukwanda kwemali akufuneki kuchaphazele iinkampani ezidweliswe kwiimarike zezemali. Ewe akunjalo, kodwa yinto esiza kujongana nayo ukusukela ngoku ukuya phambili ukuze wazi ukuba kuya kufuneka wenze ntoni ngalo lonke ixesha isenzeka enye yezi ziganeko.

Ukunyuswa kwemali enkulu kukusebenza kwemali ekujongwe ukuba kwandiswe izibonelelo zenkampani ukuze ikwazi ukuxhasa ngezimali utyalo-mali olutsha. Oko kukuthi, oko kukuthi, eyona njongo yayo yile ukuqokelela izixhobo Ukujongana neemfuno zakho zoqoqosho, nangona kwiimarike zezemali kunokuba nokutolikwa okuphindwe kabini okusisitshixo ekuqinisekiseni ukuba ingaba kuyanceda na kwimidla yakho yokuthengisa. Kuba eneneni, kwiimeko ezininzi kunzima kakhulu ukwazi ukuba kutheni inkampani edwelisiweyo inyusa intshukumo yezi mpawu.

Okokuqala, inokuba yeyokufuna kuphela utyalo-mali kwaye kwimeko apho inokuba yinto enenzuzo yokwenyani kwaye apho unokufumana khona inzuzo enkulu. Kwelinye icala, isenokuba yindawo yokuqhubela phambili ukonyuka kwemali kwiimfuno zemali. Oko kukuthi, awunakukhetha ngaphandle kokuya kulo msebenzi wobalo ukuze ufumane izibonelelo zemali ngenxa ye imeko embi yeshishini kwinkampani. Esi sesona sizathu sokuba bamkelwe kakubi ziimarike zemali. Ngerhafu yokuthengisa xa uthenga.

Ukwanda kwemali: kutheni?

bolsa Ezi ntshukumo zidibeneyo zaziswa kwimfuno yokuphendula kwinkampani uqobo. Kuya kufuneka wandise phesheya, ungene kwezinye iindlela zeshishini okanye nokuba ufuna ezinye iimali zemali ukuze uzixhase. Njengoko ubona, zininzi izizathu zokuba uziphumeze kwaye zonke zinendalo eyahlukileyo. Ngenxa yoku banokwahluka ukutolikwa ngabameli bezemali Ewe, kuya kufuneka ujongane nokuba yintoni injongo yokubaphumeza, ngakumbi kwiimarike zezemali. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko.

Ngayiphi na imeko, ukunyuka kwemali ayisiyiyo intshukumo kwi iimarikeIya ngaphaya kwezi zinto zixabisekileyo. Kungenxa yokuba ayifani xa inkampani esempilweni iqhuba ukonyuka kwemali njengexa ekugqityiwe ukuba iinkampani zibe kwimeko yezezimali kunye neyezemali. Ayilolize, kwaye njengoko usazi kakuhle bayamkelwa ngeedigri ezahlukeneyo zentshiseko ngabatyali mali abancinci nabaphakathi. Nantsi into enokunyuka ngenkunzi ube nenzuzo kwaye endaweni yoko akunjalo. Xa enyanisweni zikwangumbutho ofanayo.

Zithini iziphumo?

Kuzo zonke iindlela, kuyakubanzima ukwazi ngokweenkcukacha ukuba zeziphi izinto ezivela kokukonyuswa kwemali eyinkunzi. Kuba iya kukunika umbono ongaqhelekanga apho iintshukumo zakho kufuneka ziye kula maxesha achanekileyo. Hayi ngelize, sithetha ngokunyuka kwemali ngokwembono yotyalo-mali kwaye ayisiyiyo eyahlukileyo ethe ngqo okanye yobuchwephesha ejolise kuhlalutyo lwenkampani. Ewe, ngaphambi kokuba intshukumo yezi mpawu ingathandabuzi nakancinci ukuba inkampani echaphazelekayo iya kuba nakho ukwandisa imali phantsi kweendlela ezininzi ezahluke ngokupheleleyo kwaye siza kukuveza ngezantsi.

Eyokuqala kwaye kwangaxeshanye eyona ixhaphakileyo kuzo zonke ukukhupha izabelo ezitsha. Nangona inamacala amabini kwaye oko kukuba banokujolisa kubanini zabelo abatsha okanye esele zikho. Oku kuthetha ukuba kuya kufuneka ufunde iimeko zokonyuswa kwemali ngokweenkcukacha ukuze ungangeni nakweyiphi na impazamo enkulu onokuyihlawula kakhulu ukusukela ngoku.

Enye yeenkqubo ezisetyenziswa ziinkampani ukwenza ukonyuka kwemali eyinkunzi yile ukwandisa ixabiso lezabelo ezikhoyo. Isicwangciso seshishini apho babhenela khona ngakumbi nangakumbi kuba yindlela yokudala ixabiso kwinkampani okanye kwishishini.

Isithathu sibonakalisiwe ngentlawulo ku Inzuzo engasasazwanga yenkampani. Kuthetha ntoni oku? Ewe, into elula njengaleyo yabanini zabelo ayizukunikela ngemali kwaye ngale ndlela bayakufumana izabelo ezikhutshiweyo. Oko kukuthi, simahla ngaphandle kwentlawulo ukuya kwinqanaba lokuba ube ngumsebenzi onenzuzo kuninzi lwemisebenzi esebenza phantsi kwezi mpawu zikhethekileyo. Hayi ngelize, awuzukujongana nayo nayiphi na imali kwaye uya kuba nakho ukwandisa ubukho bakho kubanini zabelo benkampani echaphazelekayo ngokonyuka kwemali eyinkunzi.

Yintoni ipremiyamu yesabelo?

usasazo Enye yezona zinto zibaluleke kakhulu yile inento yokwenza nepremiyamu yomcimbi kwaye ebaluleke kakhulu ekuqondeni ngokuchanekileyo ukuba luyintoni unyuso lwenkunzi. Ngale ndlela, awuzukukhetha ngaphandle kokwazi ukuba umrhumo weprimiyamu yi intlawulo eyongezelelweyo ukubhatala ngesabelo ngokunxulumene nexabiso laso okanye igama lethiyori. Ke uya ngokusebenzisa esi sicwangciso seshishini ngokusebenzisa amanyathelo amatsha. Okanye mhlawumbi unokuqinisa izikhundla zakho kunye nezinye izabelo ezenziwe emva kokuqala kokonyusa imali.

Ngokubanzi, le ntshukumo yenzeka ngokwaziwa njengamalungelo okubhalisela. Kodwa ziyintoni kanye kanye? Ewe, akukho nto ingaphantsi kwaye akukho nto ingaphezulu kwesixhobo semali osele unaso ngena okanye womeleze izikhundla zakho kwinkampani, kudweliswe ngokubanzi njengoko usazi kakuhle. Akumangalisi ukuba ilungelo lokurhuma liyinto ekuvumela ukuba ubhalise izabelo ezintsha ngalo mzuzu ungqalileyo wokwenza ulonyuso lwenkunzi kumbuzo.

Ilungelo lomrhumo

Ewe, eli nani likuvumela ukuba uthathe izikhundla ezintsha kwinkampani. Nangona kunjalo, ukuba unqwenela ukungayi kunyuso lwenkunzi, ewe awuyi kunyanzeleka nanini na. Ukuba akunjalo, ngokuchaseneyo, unako thengisa amalungelo akho ngexabiso lentengiso Ngale ndlela uya kuba nakho ukuvelisa izibonelelo zoqoqosho, nangona umda kakhulu kwaye kuyo nayiphi na imeko ngaphandle kokujoyina inkampani ngezenzo ezitsha. Lelinye lamathandabuzo ahlasela iinkampani ezincinci neziphakathi xa ukunyuswa kwemali kwenziwe ngokusemthethweni. Apho abazi ukuba mabenze ntoni ngamalungelo abo kwaye kufuneka babuyele kwiibhanki zabo ukuze benze isigqibo malunga noku.

Kwelinye icala, enye yezinto ekufuneka uzivavanye kule ntshukumo ibalulekileyo yile inento yokwenza nefuthe lokuxutywa kwayo. Oko kukuthi, ukuhla kwexabiso elihlupheke zizabelo zenkampani evela kunyuso lwenkunzi. Kungenxa yokuba ekuqaleni ungathandabuzi ukuba izabelo ezivela kunyuso lwenkunzi ziphulukana nexabiso lazo. Ngaphaya koko ixesha eliphakathi nelide inokuhlaziywa kwaye mhlawumbi nangendlela eyonelisayo kakhulu kwiminqweno yakho. Ngokukodwa xa kufikwa kumalungelo abizwa ngokuba awodwa okukhethekileyo. Okubangela umdla nangakumbi kukubhalisela kunyuso lwenkunzi.

Iiklasi zonyuso lwenkunzi

ulwandiso Okokugqibela, lixesha lokuba ufumanise iintlobo zonyuso lwenkunzi ezinokwenziwa. Kwaye zininzi njengoko uza kubona apha ngezantsi kuba ayisiyonto ehambelana ngokupheleleyo.

  • Ngokwesiqendu: kuxa ixabiso lokukhutshwa kwezabelo ezitsha lihambelana nexabiso eliphantsi. Kule meko, akuyi kubakho khetho ngaphandle kokuya kuthengwa kwezabelo ezitsha kwaye yipaspoti yokufika kule nxalenye yenkqubo.
  • Ndikunye nomzala: Umahluko wabo ulele kwinto yokuba ixabiso lentengo liphezulu kunexabiso eliphantsi. Kwaye oko kugqitywa yinto ebizwa ngokuba yiprimiyamu.
  • Kukhutshwa: ilingana nexabiso elisezantsi, kodwa inkampani isebenzisa inxenye yoovimba bayo ebenza imali. Ukuba inyuswe ngokupheleleyo imali, kuphela ngabanini zabelo abatsha abaya kuhlawula. Ngelixa ngokuchaseneyo, ukuba inyuselo-mali elihlawulelweyo, inxenye yesabelo iya kuba yimfuneko.

Kuzo zombini ezi meko, asisayi kubakho esinye isisombululo ngaphandle kokuhlalutya ukunyuswa kwemali nganye ukubonisa ukuba umsebenzi unenzuzo okanye hayi. Ayizukuba luhlalutyo olulula kuba luya kufuna ulwazi lwe-accounting ukucacisa into onokuyiphumeza ngalo msitho wequmrhu. Uya kudinga neengcebiso zomsebenzi oqeqeshiweyo kwibhanki yakho ukuze akunike isikhokelo sokwenza inyuselo-mali.


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