Vele kunezigaba eziningi zokutshala imali oyongile. Futhi enye yazo ihanjiswe ngendlela yakho yokucabanga noma yokuqonda impilo. Nakanjani kuyindlela yokutshala imali okwangempela ukuxhumana nomhlaba wemali ngochungechunge lwezindlela izindinganiso noma izimiso zokuziphatha ezisuselwe ukuqonda impilo. Ngeke kube yinani elengeziwe lokuthuthukisa inzuzo yakho kusukela manje kuqhubeke. Kepha okungenani kuzokusiza ukuthi uhambisane ngokwengeziwe nendlela yakho yokucabanga. Ngokuxhumanisa ngqo nezimakethe zezezimali.
Ukuze ukwazi ukufeza lezi zinhloso, unochungechunge lwamasu okutshala imali angahambisa kahle ukufunwa kwakho. Akukhona ukuthi le ndlela yokusebenza igcwele ngokweqile. Vele akunjalo, kepha uzoba neziteshi ezifanele zokulinganisela imibono yakho nomsebenzi wokutshala imali. Hhayi ngomkhiqizo owodwa wezezimali kuphela, kodwa ngambalwa ohlangabezana nalezi zidingo ezikhethekile. Ini okunye ngisho namamodeli ajwayelekile kakhulu, kokubili kumali engenayo engaguquki nasekuguqukeni.
Kusukela manje kuqhubeke sizokukhombisa okumele ukwenze ukuze ube kuhambisana nochungechunge lwezindinganiso zokuziphatha onakho nalabo ongafuni ukupaka. Ngenhloso enkulu yokwenza imisebenzi isebenze ukuthola inzuzo enkulu yemali. Ngeke kube ngumsebenzi olula ukuwenza, kepha kuzodinga izindlela ezahluke ngokuphelele zokutshala imali kulabo obukade uzifaka kuze kube manje. Ngabe ufuna ukuba ngolunye lolu hlobo lwesilondolozi?
Faka imali kumagugu omphakathi
Kusukela manje uzoba nethuba elingaphezu kwelilodwa lokutshala imali oyilondolozile kuzindinganiso zokuziphatha noma zenhlalo. Kusukela izindlela ezahlukahlukene ekutshalweni kwezimali. Kusuka emikhiqizweni ejwayelekile njengezimali zokutshala imali ziye kokunye okushintshiwe okususelwa kulezi zici ezichazwe kahle ngokuya ngezinjongo abazilandelayo kusukela ekuqaleni. Ukufika ezingeni lokuthi bangasebenza njengenketho entsha kakhulu ezindleleni zakho zokutshala imali.
Ngoba empeleni, kunezimali eziningi ezisekela isu lazo kulezi zinqubo ezihambisana nobuntu bakho. Njengoba benza imikhiqizo nezinsizakalo ezixhunywe kuzinyathelo noma imisebenzi ebandakanya a inzuzo yomphakathi: ukuthuthukiswa kokuhweba okulungile, ukusebenzisana nezinhlangano ezingekho ngaphansi kukahulumeni, ukuvikelwa komuntu, kanye nezinhlelo zemvelo. Ngeziphakamiso ezahlukahlukene kuya ngokuthi obani abaphathi ababanikeza ukumaketha.
Akusho ukuthi kunezinzuzo eziphakeme noma eziphansi kunezinye izimali. Umehluko wabo usekubhekeni kwezinhloso zabo. Ngamakhomishini afanayo nezindleko ekuphathweni kwayo njengalezo ezisetshenziswe ngamanye amamodeli ale mikhiqizo yezezimali. Zisebenza ukwanelisa izindlela zomuntu siqu ngombono ohlukile, okude kakhulu nemikhombandlela ejwayelekile ezweni lotshalo-mali.
Izimali ezibhekele umphakathi
Ungathola futhi ekunikezelweni kwamanje ngezimali zotshalo-mali ezibizwa ngokuthi ezibhekele umphakathi futhi ezihlangabezana nalezi zidingo ezichazwe kahle. Impela uzobazi ngelinye igama njengokutshalwa kwezimali ngendlela yokuziphatha futhi okubonakala ngokufaka isicelo izindlela zenhlalo nezemvelo, ngaphezu kwenqubo yendabuko yokutshala imali. Ukutshalwa kwemali kokuziphatha kuvame ukuhanjiswa ngezimali ezihlangene. Yize amanye amadiphozi wethemu nawo aveza lawa mafomethi.
Kulesi simo, iMicrobank Fondo Ético iyisikhwama esixubekile, ngasikhathi sinye Ukuziphatha okuhle nokusekela okuzama ukuhlanganisa ukuseshwa kwenzuzo nemibandela exhunyaniswe nesibopho senhlalo. Kubonakala ngokuhlanganisa izindlela zokutshalwa kwezimali zendabuko nezinqubo ezibhekele umphakathi. Kunoma ikuphi, akuwona ukuphela komkhiqizo onalezi zici, kepha ezinye izinkampani zokuphatha zenze amamodeli wokutshala imali anezici ezifanayo.
Izindlela zalokhu kutshalwa kwezimali ziningi kakhulu futhi zinokwehluka okunamandla ekwakhekeni kwamaphothifoliyo abo. Kusukela izindlela ezivelele zemvelo lapho ukuvikelwa nokuvikelwa kwemvelo kunikezwa kuqala kulokho kutshalwa kwezimali okungenakho ukukhiqizwa kwezikhali njengesikhungo sokukhomba noma okuphikisana nemikhuba ethile ephikisana nokuxhashazwa ngokocansi noma emhlabeni womsebenzi. Ngochungechunge lwezezimali ezithile ezihlangabezana nezidingo zokuzibophezela emphakathini ezindleleni zabo.
Faka imali kuzimbangela zobumbano
Enye imodeli yokuphatha imali oyongile isuselwa kuleli su. Futhi ngezimali zokutshala imali. Kepha ziyini izimali zobumbano ngempela? Yebo, ngokuyisisekelo ngesizathu esihlukanisa nezinye izinhlobo zemikhiqizo. Ngoba empeleni, ingathola izici zesikhwama sokutshala imali esihleliwe, esiguqukayo noma esihlanganisiwe. Kepha ngokungafani nalokhu, izinikele ekuthuthukiseni utshalomali lwayo ngokuya ngochungechunge lobumbano noma izindlela zokuziphatha. Ukuze ngale ndlela, usesimweni sokutshala imali ngokwakho izinkolelo zomuntu siqu.
Ukunikezwa okunikezwa izinkampani zokuphatha namabhange uqobo kubanzi impela. Ngobubanzi obubanzi bale mikhiqizo yezezimali. Kufike ezingeni lokuthi ungakhetha phakathi kwamamodeli amaningi analezi zici. Ngama-nuances ahlukahlukene abaluleke kakhulu futhi ukugcina engqondweni lapho uya kobhalisela noma iyiphi yalezi zimali zokutshala imali. Ngeke ube nayo akukho zindleko ezingeziwe, ngisho namakhomishini aphakeme kakhulu. Okufanele ukubheke ukuthi bakunikeza ukusebenza okufanele kakhulu. Akumangalisi ukuthi kuyinkinga enkulu ozoyithola kusukela manje kuqhubeke.
Esinye isici okufanele usihlole sihlobene ukulinganiselwa ekutshalweni kwakho. Ngoba empeleni, bayakwenza futhi bahlanganisa izixhumanisi eziningi zebhizinisi. Kufanele wazi ukuthi iphothifoliyo yezikhwama zobumbano azibandakanyi izinkampani ezihluleka ukulandela imithetho emelene nemvelo, ukusho esinye sezibonelo zalawa maqhinga okutshala imali. Njengamanje ngeke ube nobunzima bokuzibhalisa kunoma yisiphi isikhungo sezezimali. Ngisho kusuka ebhange lakho lempilo yonke.
Izindlela zokuziphatha eziningi
Ubuye ube nezinye izindlela zokujoyina lezi zinhlelo. Hhayi ngqo njengokutshala kwakho imali. Kepha manje njengeklayenti lebhizinisi lalezi zici. Ekuqashweni kwazo zonke izinhlobo ze imikhiqizo yezezimali. Ama-akhawunti wamanje, amadiphozithi, ukubolekwa komuntu siqu noma ukwenziwa ngokusemthethweni kwempahla ebanjiswayo. Ngale ndlela, ungafaka isandla kulezi zindlela zenhlalo kusukela ekuqaleni. Ngaphandle kokubandakanya noma yikuphi ukukhishwa okukhethekile ekusebenzeni kwakho njengomsebenzisi ojwayelekile webhizinisi.
Ngalesi isu elikhethekile kangaka futhi ngasikhathi sinye ukwenza izinto ezintsha, uzothola izinhlangano zezezimali ukuxhasa izinhlelo, izinkampani nezikhungo ezikhuthaza ukongiwa kwemithombo yemvelo futhi zinikeze izixazululo ezintsha nezingokoqobo zobuchwepheshe, ezihlonipha imvelo. Ngendlela elula futhi lokho ngeke kubandakanye izinkinga eziningi ukusebenzisa le mibono. Okuwukuphela kwempendulo yokwenza lesi siphakamiso esiyingqayizivele ukuthi ngeke ube nezinye izindlela eziningi kakhulu. Kepha kunalokho okuphambene nalokho, kunalokho bayindlala ngokunikezwa kwayo kwamanje.
Kunoma ikuphi, banikela ngemikhiqizo yasebhange nezinsizakalo ezixhumene ngqo nokusimama. Izenzo njengemihla ngemihla njenge vula i-akhawunti yokulondoloza, ukuqondisa izikweletu ezikweletwayo noma ukwenza ukuthenga kwethu okuncane kwansuku zonke kube nomthelela emphakathini olinganayo ngokwengeziwe naseplanethi ehlanzekile. Ngaphezu kwalokho, kuhloswe ukuthi imikhiqizo ifake inani elengeziwe, njengokusetshenziswa kwepulasitiki elibolayo kumakhadi asebhange nakwekhredithi, iphepha le-FSC, umnikelo kuma-akhawunti nakumadiphozithi noma isilinganiso samandla ekubambeni kwemali.
Yiziphi izinhloso okumele kuhlangatshezwane nazo?
Kunoma ikuphi, kukunika amandla okwenza uchungechunge lwezenzo ezizokusiza ukuthi uhambisane ngokwengeziwe nendlela yakho yokwenza, hhayi kuphela ebudlelwaneni bakho ngqo nezwe lokutshala imali, kepha njengeklayenti oyikho ngempela. Kulezi zindlela, kuzoba nezinhloso eziningi ongazibekela. Ngabe ufuna ukwazi ezinye zazo? Awu, naka kancane.
- Bazokwazi ukukusungula njengo- umtshali-zimali wendabuko futhi ngaphandle kwalezi zinqumo ezingavumelani.
- Uzonikeza impendulo efanelekile ku- indlela yokucabanga noma yokwenza. Ngaphandle kokuthi ubhekane nezinkinga zomuntu siqu noma zokuziphatha.
- Futhi ngale ndlela yokutshala imali unga yenza ukonga kwakho kube nenzuzo. Noma kungenasiqinisekiso sephesenti lalokho. Ezokuphepha ngeke zibe ngomunye weminikelo yakho eyinhloko.
- Ukulethwa kwale mikhiqizo kuyahamba kukhula ngokuphawulekayo eminyakeni yamuva. Ukufika lapho ukuthi ukwakhiwa kwale mikhiqizo yezezimali kuvame kakhulu. Ngamamodeli amasha nokuvuselelwa okusikisela okwengeziwe.
- Kukhona namanye amabhange alawulwa ngaphansi kwalezi izinqubo zokuziphatha. Lapho ungabhalisela khona i-akhawunti yokonga noma ufake isicelo semalimboleko yempahla ebanjiswayo. Iziteshi zivulelwa kakhulu ukusebenza kwakho komuntu siqu.
- Phakathi kwayo yonke imikhiqizo yezezimali, yizimali zokutshala imali lapho unezinombolo eziningi kakhulu zeziphakamiso zokuhambisa lokhu ukufunwa ekhetheke kakhulu. Ngisho kwakhiwa iqembu elincane ngaphakathi kwezimali ezifanayo.
Le yimikhakha enamandla amakhulu okukhula, njengokusebenza kahle kwamandla, ezolimo nemvelo, ukwakhiwa okusimeme, i-cinema, ukuhlanganiswa komphakathi, ukunakekelwa kwabantu abathembele kanye nemfundo. Noma iyiphi yazo ingaba yinto oyinakayo. Ukuthi ingasebenza njengomphelelisi wemisebenzi yakho ejwayelekile ezimakethe zezezimali. Ekuthengweni nasekuthengisweni kwamasheya, ukubhaliswa kwamawaranti noma amanye amamodeli wokutshala imali.