Yintoni imathematika yezemali

Yintoni imathematika yezemali

Ukuba imathematika yinto ekungekho mntu uyithandayo yinyani. Bambalwa abantu abaziva bekhululekile ukwenza okanye ukufunda imathematika. Nangona kunjalo,Ngaba uyazi ukuba zinokudityaniswa kunye zemali? Ngaba uyazi ukuba yintoni imathematika yezemali?

Ukuba uye wahamba ungenanto ngenxa yokuba awuzange uve eli gama ngaphambili, yazi ukuba zilula kakhulu ukuziqonda kwaye zinosetyenziso oluninzi. Okulandelayo, sityhila yonke into ekufuneka uyazi.

Yintoni imathematika yezemali

Yintoni imathematika yezemali

Ekuqaleni kweli nqaku sichaze ukuba yintoni imathematika yezemali ngokuthi ibiyimathematika neyezemali.

Igama lekhonkrithi elichazwa ngalo eli gama kukuba banjalo "imathematika isetyenziswa kwezemali". Ngamanye amazwi, kunjalo indawo engaphakathi kwimathematika ephonononga izibalo ukufumanisa ukuba yintoni na ixabiso lemali ngaphakathi kokusebenza kwemali nangexesha elithile.

Oko kukuthi, zama ukufunda ngeefomula ukuba ixabiso lemali liya kunyuka okanye lehle kangakanani ekusebenzeni kwemali.

Njengoko usazi, xa umsebenzi uqalwa (ndiyaqonda oku njengotshintshiselwano phakathi kwenkunzi yangoku neyexesha elizayo), imali inexabiso x. Kodwa ekupheleni komsebenzi, loo mali inokuba nexabiso elahlukileyo. Kulapho imathematika yezemali ingena khona.

Imathematika yezemali yenzelwe ntoni?

Imathematika yezemali yenzelwe ntoni?

Uyazazi ukuba ziyintoni na. Kodwa kunokwenzeka ukuba awukawuboni ngamehlo abomvu umsebenzi abanawo, oko kukuthi, besenzela ntoni. Ziyinxalenye ebaluleke kakhulu yale misebenzi kuba, ngaphandle kokuyenza, ungenza ithuba elinokwenzeka kwixabiso kunye nenzuzo yemveliso oza kutyalela kuyo.

Ke ngoko, usetyenziso lwemathematika yezemali lu kwiibhondi, kwiimali-mboleko, kwiidiphozithi, kwizabelo...  Nayiphi na imveliso efuna utyalo-mali oluyinkunzi kunye nesiphumo sexesha elide ukwazi ukuba iluncedo okanye hayi.

Ngokwenene umsebenzi wayo kukuhlalutya loo mveliso kunye neziphumo ezinokufumaneka. Nangona kunjalo, nangona kusetyenziswa izinto eziphambili (inkunzi, ixesha, inzala ...) kunokwenzeka ukuba umphumo wokugqibela awuchanekanga kuba kunokubakho ezinye izinto eziphakamisa okanye ezinciphisa inani lokugqibela.

Sekunjalo, kusemngciphekweni wokuthathwa, nokuba kungemathematika yezemali okanye ngaphandle kwayo. Ngoko ke, phakathi kwezixhobo ezisetyenziswayo kukho ukwenzeka, izibalo kunye nokubala ngokwahlukileyo.

Ngoku, into abangayaziyo abaninzi kukuba olu hlobo lwemathematika lukwanazo nezinye izicelo zemihla ngemihla, ezinje:

  • Ukulawulwa kweendleko. Ngengqiqo yokuba ingeniso kunye neendleko zihlalutywa, kujongwe ukuba yeyiphi kuzo zonke enokuchithwa okanye kungasetyenziswa. Ngaloo ndlela, kukho ukulungiswa kwezinto ezifakiweyo kunye noko kuchithwayo.
  • Ikuvumela ukuba uhlalutye ukunyuka kwamaxabiso. Ngengqiqo yokuba, ngokwazi ukuba yiyiphi ixabiso lokwenene lemali ngamaxesha ahlukeneyo, kunokwenzeka ukwazi ukuba ukunyuka kwamaxabiso kuya kuziphatha njani. Ewe, luqikelelo, kuba lunokwenzeka okanye lungenzeki.
  • Lungiselela iitafile ze-amortization. Ngokuphathelele kwiikhredithi, iimali-mboleko, njl. kuba oku kunceda ukucwangcisa ukonga nokulawula ngcono iindleko.

Iintlobo zezibalo zemali

Iintlobo zezibalo zemali

Kwimathematika yezemali, kufuneka uhlale ukhumbula ukuba kukho iindidi ezimbini, ezinye zisebenza ngemisebenzi elula kwaye ezinye zisebenza ngobunzima. Sizichaza ngokweenkcukacha ngakumbi.

Izibalo zemali ezilula

Zizo ezo Hlalutya kwaye ufunde i-evolution enokuba nayo inkunzi enye. Ukwenza oku, balawula inkunzi ekuqaleni kwaye benze izibalo ukuze bazi ukuba kuya kuba yintoni ekupheleni kwaloo msebenzi.

Ngaphakathi koku, umdla onawo ungalula kakhulu, udibanise kakuhle.

imathematika entsonkothileyo

Ngokungafaniyo nabanye, apha ikomkhulu alikho linye, kodwa kukho ezininzi. Kunokuthiwa kwakhona ukuba ezahlukeneyo «irenti».

Kule meko, zikwalawula ukuvela kweenkunzi ezahlukeneyo. Ukongezelela, uhlalutyo lunokuthi luqhutywe ngokwexesha elithile, ngaphandle kwento ethile okanye yintoni eya kuba yingeniso engapheliyo.

Zeziphi iifomula ezisetyenziswayo kwimathematika yezemali

Kwimathematika yezemali, njengoko besinixelele ngaphambili, kukho uluhlu lweefomula ezisisiseko ezisetyenziswa ziingcali. Zezi:

Ifomula yomdla jikelele elula

Ifomula iyakuba:

Cf = C + I = C (1+ni) Ukuba intengiselwano yezemali ingaphezulu konyaka.

Cf = C × ( 1 + n.i / q) Ukuba intengiselwano yezemali ingaphantsi konyaka.

  • Phi Cf yiyo inkunzi yokugqibela.
  • C yiyo inkunzi.
  • I yiyo isixa sisonke senzala efunyenweyo.
  • i yiyo inzala yonyaka.

Ifomula yenzala edityanisiweyo

Ifomula iyakuba:

Cf = C × ( 1 + i) inyuselwe kwi-n

Ifomula yokubuyisela imali

Ifomula iyakuba:

RF = (iNgeniso yeNgeniso / iiNgxowa-mali ezizezakhe) x 100

Njengoko ubona, ukuba yeyiphi imathematika yezemali ayikho nzima ukuyiqonda kunye nokusetyenziswa kwayo, nangona kunokubonakala ngathi kuya kuchaphazela iinkampani kuphela, kunokuba nefuthe kwiindleko zabantu, ii-freelancers, njl. Ngaba uyathandabuza? Sibuze.


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