I-Ercros ingesinye sezibambiso zemali emincane naphakathi naphakathi ezinemali eningi kakhulu yezinkontileka ngenxa yokuthi ingenye yezintandokazi zabatshalizimali abaqagelayo kakhulu. Lapho bezama ukwenza inzuzo ngokulondolozwa kwabo ngesikhathi esifushane kakhulu, yize kungenzeki ngaso sonke isikhathi ngenxa ye- ukuguquguquka okukhulu kwamasheya abo. Kuyinto ejwayelekile ukubona ukuthi ukuphepha kwabo kuthokozela noma kwehla kanjani ngamandla amakhulu futhi kuzo zonke izimo ezingaphezulu kwamanani azinzile kunkomba ekhethiwe yezimali ezweni lethu, i-Ibex 35. Ngamazinga angatholakala kalula. sondela ku-5%.
Kunoma ikuphi, u-Ercros wenza izindaba kula masonto okuqala onyakeni ngoba kubukeka sengathi kuthathe umfutho owenyukayo ongaholela kumanani entengo athe xaxa kunalawo akhonjiswa njengamanje. Ngoba asikwazi ukukhohlwa ukuthi manje intengo yale nkampani ithathe ikhefu ekunyuseni kwangaphambilini emasontweni edlule. Kepha okubaluleke kakhulu, ngaphandle kokuguqula isakhiwo salo esikhulayo phezulu esikhathini esimaphakathi nesikhathi ikakhulukazi. Ngaphandle kokuthi ivolumu yokuthengwa kwayo yehliswe kakhulu, okunganciphisa amandla okwenyuka kwayo okulandelayo entengweni.
Kunoma ikuphi, kungenye yamanani ngengozi ephakeme emisebenzini emakethe yezwe eqhubekayo. Ngoba noma yiliphi iphutha ekuthatheni izikhundla kungasho ukuthi ushiya ama-euro amaningi emgwaqeni. Ngokwesiko bekungelona inani elizinzile, kepha kunalokho libhekane nokushintshashintsha ngokweqile kwentengo yalo eminyakeni yamuva, njengoba kungabonakala ekuhlaziyweni kwalo kwezobuchwepheshe. Lapho noma yikuphi ukudonsa kulo mkhuba, ngandlela thile, kungaholela ezimweni eziqhuma kakhulu. Njengoba kuyisihloko esihamba kalula kakhulu ngevolumu encane kakhulu yokuqashwa.
I-Ercros: igoli lokuqala kuma-euro ama-3
Intengo yayo okwamanje isondele kuma-euro angu-2,75 kusabelo ngasinye futhi ngenhloso ephambili ukufinyelela ama-euro ama-3 ngesikhathi esingesikhulu ngokweqile. Ngemuva kokuqala i-uptrend ecace kakhulu kusukela yakha inhlabathi ngama-euro angu-1,60. Kodwa kungakhohlwa ukuthi leli xabiso lalihweba ngaphezu kwama-euro ayishumi ngaphambi nje kwenkinga yezomnotho eyenzeka ngo-10. Ukuba nokwehla okuqonde mpo okuholele ekutheni ihwebe eduze kakhulu neyunithi elilodwa le-euro nangemva kokuthuthukisa i-downtrend evelele. Ngamanye amagama, abatshalizimali abancane nabaphakathi nendawo bashiye imali eningi ezikhundleni zabo nokuthi kuzobabiza kakhulu ukuyithola, nokuthi uma bengake bayithole.
Ngenkathi ngakolunye uhlangothi, ingxenye yayo yokuqagela nayo kufanele ivezwe ngoba iyinto yokuthengwa kwesikhashana. Ayikho inhloso yokuhlala unomphela noma ukwakha ibhange lokulondoloza elingazinzile eminyakeni embalwa ezayo. Ngakolunye uhlangothi, ibonakala ukuthi ayinikezi noma isabalalise izinzuzo kubaninimasheya futhi lokhu kubangela ukuthi ukunyakaza emakethe yamasheya kuhlale isikhathi esifushane kakhulu, ngokungafani nalokho okwenzeka ngokuphepha okuhlanganiswe ku-Ibex 35. Ngokusebenza okufushane kakhulu nangezifiso zokuzikhipha esikhathini esifushane kakhulu okukhuthaza ukuqagela okuningi kuleli nani elikhethekile.
Iphakathi kuka-2 no-4 euros
Into ejwayelekile ukuthi intengo yamasheya ayo ihamba phakathi kwale mikhakha yokulamula. Yize uhlala ukhumbula ukuthi ekugcineni konyaka we-2018 wawunentengo esondele kakhulu kuma-euro angama-5, okuyinani lentengo yalo ephezulu kule minyaka eyishumi edlule. Futhi kunoma yikuphi, njengenye yezinhloso zayo ezifanele kakhulu eminyakeni ezayo. Uma kunjalo, kuzoba namandla we ukuvuselelwa okusondele ku-50%. Njengecebo lokutshala imali elingathathwa njengelinolaka, kepha lokho kungamela ithuba lebhizinisi langempela lokwenza imali etholakalayo emakethe yamasheya yezwe lethu inenzuzo. Kuyiqiniso futhi ukuthi ngenxa yesimo sayo samanje maningi amathuba okuthi ikhuphuke kunokwehla ezinsukwini ezizayo.
Ngakolunye uhlangothi, akulona iqiniso elincane ukuthi ukunyakaza kwabo kuhle kakhulu kunakwamanye amasheya. Ngoba zenzeka ngokushintshashintsha okukhulu kwamanani azo futhi lokho kukhuthaza ukuvalwa kwezikhundla ngesikhathi esifushane kakhulu. Kunoma ikuphi, amasheya e-Ercros ahamba nezihloko ezimbalwa kakhulu, ezinganciphisa ukwethembeka ekunyakazeni okwenziwa yile nkampani. Futhi ngoba ikhona kuphothifoliyo yokutshala imali yabanye abalamuli bezezimali abathemba ukuvela kwaleli nani lemakethe yamasheya. Njengenye yezinhlaka ezijwayelekile ezifanele kunazo zonke eyethule iminyaka eminingana.
Amasu okutshala imali
Abatshalizimali abancane nabaphakathi bangathatha izikhundla ngokulingene ukuze babe nethemba lokuthi lingakwazi finyelela kuma-euro angama-3 ngalesi semester yokuqala yalo nyaka. Ngenkathi ngakolunye uhlangothi, kufanele kwaziswe ukuthi i-Ercros iyinkampani imiphumela yayo yebhizinisi engagculisi ngokuphelele kuma-ejenti emkhakheni wokutshalwa kwezimali. Ngale ndlela, elinye lamasu angathathwa ngalesi sikhathi esiqondile yilo elixhumene nokwedlula la mazinga kuzintengo zawo. Ngakolunye uhlangothi, kungalindelwa nokuthi intengo yayo ifike emazingeni ema-euro amabili ukuvula izikhundla futhi ibe namandla amaningi okubuyekeza kabusha ukuze isebenze kahle.
Kuzo zonke izimo, kufanele kube ukusebenza kwesikhathi esifushane kakhulu futhi uma ulinda ukuthi kwenzeke okuningi, phinda uvuselele ngenxa yengozi yalokhu kuhamba. Akumangalisi ukuthi leli xabiso libonakala ngomkhuba oqhubekayo maqondana nesikhathi esifushane. Lapho ungalahlekelwa khona ama-euro amaningi endleleni ngaphandle izimali aziyeki ngesikhathi, njengenye yezikhiye zokuphuma uphila emzameni wokuhweba ngaleli nani lemali engenayo yezwe lethu. Akumangalisi ukuthi yehlukile kumishini yayo evela ezinkampanini ezibalwe enkombeni ekhethiwe, i-Ibex 35.
Izici zenani
I-Ercros akuyona ukuphepha okulula ukusebenza futhi kuncane kakhulu ukwakha isu elilula lokutshala imali kanye neziqinisekiso ezithile zempumelelo. Ngoba ekugcineni kosuku kuhamba ngevolumu yokuhweba ephansi kakhulu kuzo zonke izikhathi zokuhweba. Ngalesi sizathu, kunzima kakhulu ukulungisa izintengo zokungena nezokuphuma. Ngephrofayili echazwe kahle kakhulu ngabatshalizimali abancane nabaphakathi, lapho kubaluleke khona ukuthola Inzuzo enkulu ngokushesha engozini yokuphepha kokusebenza. Ngamagama aqanjiwe aqagelayo enza ukuthi ukunyakaza kuqinise kakhulu.
Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi i-Ercros njengamanje igcina ukuthambekela okuya phezulu ngokusesilinganisweni abasebenzisi bemakethe yamasheya abangasebenzisa ngokunenzuzo ukulondolozwa kwabo ukwenza inzuzo kusukela manje. Ngaphandle kokukwazi ukunciphisa ukuguquguquka kokucushwa kwamanani abo. Akumangalisi ukuthi kungenye yezikhathi ezibalulekile ukuhamba ngandlela-thile, lapho uhamba phakathi kwama-2 nama-3 euros ngesabelo ngasinye. Kuzofanele silinde size sidlule noma yiliphi kulawa mazinga bese sithatha izikhundla, kungaba phezulu noma phansi, kulokhu ngokusebenzisa lokho okubizwa ngemikhiqizo ehlehlisayo noma ukuthengiswa kwezikweletu. Kunoma ikuphi, kungaba ngenye yezindinganiso zokuba nayo ku-radar emasontweni azayo, uma kungenzeka kube yisikhathi esifanele ukuvula izikhundla isikhathi esifushane kakhulu. Futhi-ke, ngokuqapha okukhulu ekunyakazeni okwenziwe kulo nyaka.
Izinqubomgomo zokusimama
U-Ercros, njengomkhiqizi nomkhangisi wemikhiqizo yamakhemikhali neyemithi, uthuthukisa umsebenzi wakhe esebenzisa izindlela zokusimama nokuzibophezela kwezenhlalo, futhi ubheka ukuthi ukuphepha nempilo yabantu, ukuvikelwa kwemvelo lapho iqhuba khona imisebenzi yayo nokweneliseka yamakhasimende ayo ngaphakathi kohlaka lokuvikelwa komkhiqizo yimigomo eyisisekelo yokuphathwa kwawo, ngokuya ngohlelo lwe-Responsible Care ebelililungu layo kusukela ngonyaka we-1994.
Ukufeza lokhu kuzibophezela, i-Ercros isekela inqubomgomo yayo yokusimama kulezi zimiso ezilandelayo:
Thobelana ngaso sonke isikhathi nezimfuneko zomthetho ezisebenza endaweni ngayinye yomsebenzi kwezempilo nokuphepha emsebenzini, imvelo kanye nekhwalithi yomkhiqizo. Ngokunjalo, landela izivumelwano zokuzithandela lapho inkampani noma izikhungo zayo zilandela, ngaphansi kohlaka lohlelo lwe-Responsible Care, kanye nanoma yiziphi ezinye izidingo ezisebenza esikhungweni ngasinye kulezi zindaba.
Qhubeka uthuthukise isimilo esihlobene nokuvinjelwa kobungozi emsebenzini, imvelo kanye nekhwalithi, ukwenza ngcono ukusebenza kahle kwezikhungo zethu kulezi zindaba.
Ukusungula izinhloso ezakhiwe ezinhlosweni nasezinhlelweni, ukuhlinzeka ngezindlela zokuzifeza.
Gcina uhlelo lokuphathwa olubhaliwe olususelwa kuzinqubo ezihambisanayo, ezihlanganiswe ekuphathweni okujwayelekile kwenkampani njengento ehlukanisayo.