Isaphulelo sebhili, noma mhlawumbe eyaziwa kangcono njengesaphulelo sezentengiselwano, iyithuluzi elinamandla kakhulu elitholakala ezinkampanini ezincane nezinosayizi omaphakathi ukulungisa izinkinga zabo zokukhokha imali ye-akhawunti.
Ngokuyisisekelo kusekelwe ukukhiqiza imali ngesikhathi esifushane esekelwe ezakhiweni ezimbili eziyisisekelo. Ngakolunye uhlangothi, iqhutshwa emsebenzini wayo hhayi ezintweni zangaphandle futhi ngakolunye, eyenziwa ngaphandle kokuphakamisa izinga lesikweletu yenkampani.
Kodwa empeleni, yimuphi umnikelo oyinhloko walo mkhiqizo wezezimali? Hhayi-ke, iqiniso lokuthi livumela izinkampani ukuthi zizinikeze imali yemali kuma-akhawunti azo ngendlela esheshayo nelula.
Kodwa omunye wemiphumela emibi yokumiswa kwayo ukuthi ngeke badinge ukwenza inkontileka noma imuphi umugqa wesikweletu ngezinkampani zamabhange. phakathi kwezinye izizathu ngoba yimali okungeyabo ngakho-ke azidingi ezinye izici zezimali.
Iminikelo yalo mkhiqizo
Le modeli ye-accounting ibonakala ngaphezu kwakho konke ngoba ifaneleka kakhulu izimo lapho izikweletu zohwebo zilindile ukuqoqwa. Ezimeni lapho la manani emali ebaluleke kakhulu ekuthuthukisweni noma ekumisweni kwenkampani.
Nakuba ngakolunye uhlangothi, akunakulibaleka ukuthi zisetshenziswa kakhulu izitolo, amabhizinisi nezinkampani ezincane ukuze zithole inkokhelo yazo. Ngaphandle kokuphendukela kwezinye izinhlelo eziyinkimbinkimbi noma okungenani ezidinga imali enkulu ekuphathweni kwazo.
Ngakolunye uhlangothi, kufanele futhi sihlole ukuthi iyisevisi esiza ukuqeda izinqubo zokuphatha ezingadingekile ihlinzekwa eminye imikhiqizo enezici ezifanayo.
Uyini umphumela wangempela kubamangali bakho? Ngokuvamile, bazokwazi ukukuphatha ngokunethezeka okukhulu nangokushesha ukuze babe nethiphu ye-liquidity ngaphambi kokuphelelwa yisikhathi.
Enye yezinzuzo zesaphulelo sezikweletu ukuthi nakuba zinenzalo ethile, Ngeke abe phezulu njengamakhredithi ajwayelekile. Ngomehluko ovuna owokuqala kwamaphesenti ambalwa amaphuzu ekugcineni azosiza ukuqukatha izindleko enkampanini.
Naphezu kweqiniso lokuthi kwezinye izimo, abaziwa kahle ngosomabhizinisi futhi leli qiniso libakhuthaza ukuthi babhalisele uhlobo oluthile lwekhredithi enwetshiwe kanye nezimo zenkontileka ezingabazuzisi kangako ngezintshisakalo zabo.
Isaphulelo semiphumela: yendabuko kanye ne-forfait
Kunoma yikuphi, leli thuluzi lezezimali alilona i-monolithic futhi linikeza amamodeli amabili akhona ezimakethe futhi ahluke ngesakhiwo sabo sokuhweba. Omunye wabo, futhi mhlawumbe ovame kakhulu kuze kube yiminyaka embalwa edlule, yilokho okubizwa ngokuthi yindabuko futhi lokho kuyisaphulelo esisungulwa maqondana nezinsuku ezingaphambi kweqoqo ngokuphathelene nokuphelelwa yisikhathi.
Nakuba, ngokuphambene nalokho, isaphulelo se-ski pass, esidala kakhulu, sibonakala ngokukhokha inani elingashintshi ngendlela yenzalo ezikhungweni zezimali futhi kungakhathaliseki ukuthi zingakanani izinsuku ngaphambi kwenkokhelo ngokusekelwe ekuphelelweni kwayo yisikhathi.
Le fomethi yokugcina ingaba usizo kakhulu ezinkampanini, futhi naphezu kokukhokha inzalo ekusebenzeni, ngenxa yokuguquguquka kwemodeli yayo. Banesikhathi esiningi sokuphromotha lokhu kukhokhiswa ku-akhawunti ngakho-ke abanankinga nokukhokha izindleko zalezi zici ngoba kuwumsebenzi ongabanxephezela ngesikhathi esithile emsebenzini wabo wobuchwepheshe.
Ukukhetha isigaba esisodwa noma esinye sesaphulelo somphumela, kuzodingeka uhlaziye, okokuqala, isidingo sokuthola isikhathi esanele ngokuphathelene nosuku lokuphelelwa yisikhathi. Okwesibili, endabeni yesaphulelo se-forfait, hlola ukuthi siyayinxephezela yini izindleko zokukhokha inzalo.
Izinzuzo kanye nokubi kwezikweletu zesaphulelo
Kokuqala, igqama ngokubaluleka kwayo okukhethekile ngoba iwumsebenzi ofinyeleleka kakhulu kunoma iyiphi iphrofayili eyethulwe yinkampani. Okusho ukuthi, akudingi ukufunda okukhethekile ekukhishweni kwayo. Ngokuphambene nalokho, kuyinto elula njenge-advanced on payments ngokusebenzisa amarisidi noma izikweletu zokushintshisana phakathi kweminye yemikhiqizo yayo yezezimali.
Kodwa kukhona nezinye izinzuzo ezingaletha, ikakhulukazi ezinkampanini ezincane neziphakathi. Njengalezi esethula ngezansi:
- Yakhiwe ngo-a umugqa olula kakhulu wezezimali futhi kulula ukuyiqonda futhi lokho ngokuvamile akuvamisile ukuveza izinkinga ekuphathweni kwayo.
- La isivinini sokusebenza Kuvuna kakhulu izintshisekelo zezinkampani, ikakhulukazi uma kuqhathaniswa neminye imikhiqizo yezezimali enezici ezifanayo.
- Ivumela ukwenza ukulindela inkokhelo kalula futhi ngale ndlela bhekana nesimo esingaba yinkinga kakhulu ngezintshisakalo zezinkampani.
Kodwa akuzona zonke izinzuzo, ngokuphambene nalokho, kuhlanganisa nochungechunge lwezinkinga ukuthi kulula kakhulu ukuthi uzicabangele uma uzosebenzisa isaphulelo somphumela kusukela manje kuqhubeke. Futhi phakathi kwazo kukhona okulandelayo:
- Kuyinto a umkhiqizo obiza kakhulu kunokujwayelekile. Ngezindleko kanye namakhomishini avame ukunwebeka kakhulu kuzo zonke izimo.
- Ukwenza kwawo ngokusemthethweni Akwenzi kube nokwenzeka ukukhansela noma ukuguqula izindleko nenzalo usuvele wanelisekile. Into engenza ukuhlinzwa kubize kakhulu.
- Esimeni sokushoda kwezimali, inkampane izothatha isinyathelo ngokumelene nenkampani ukuqoqa isikweletu futhi lesi senzo sizodinga ezinye izindleko ezengeziwe ezazingabalwanga ekuqaleni.
- Uma izinzuzo zokungabi namathuba zalolu hlobo lwesaphulelo sezihlaziyiwe, kuzoba yisikhathi sokukala ukuthi kufanelekile yini ukuqashwa noma cha. Ngokwengxenye, lesi sinqumo sizonqunywa izidingo zangempela zenkampani ngokwayo kanye nezinye ezinikezwa imakethe yezezimali okwamanje. Ngokubulawa okungalingani esimweni esisodwa noma kwesinye.
Izici Zomphumela Wesaphulelo
Uma la mamodeli ehlukaniswa ngokuthile eziteshini ezisetshenziselwa ukukhokha, kungenxa yokuthi lolu hlobo lwezimali luvumela izinkampani ukuthi zifinyelele inhloko-dolobha yama-invoyisi azo. Lapho ukwazi ukukuqoqa ngaphambi kosuku olumisiwe kufanele uye esikhungweni sezikweletu esenza kube nokwenzeka ukulindela noma yiliphi inani lemali ngaphambi kwaleyo mali. Okusho ukuthi, inomshini ocacile ukuze iqondwe ngabanikazi bayo.
Nakuba ngakolunye uhlangothi, enye yeminikelo yayo ebaluleke kakhulu ukuthi uma inkampani isesimweni sokufuna ukukhokha imali ngokushesha, ingase iqhubeke nokwehlisa izikweletu njengenye yezindlela ezingasetshenziswa ngayo emakethe yamabhange. Kusukela ekugcineni kosuku okukhulunywa ngakho wukulindela imali yesikweletu senkampani kanti namanje ayikaqoqwa.
Olunye uphawu oluhambisana kakhulu lusekutheni lezi zaphulelo Azidingi inani eliphakeme noma elincane ukwenza lolu hlobo lwemisebenzi. Nakuba ngokwemibiko yakamuva elungiselelwe izinhlangano zamabhange, zenziwa ngaphansi kwezikhathi ezingaphansi kwezinyanga eziyishumi nambili. Okusho ukuthi, futhi ukuyiqonda kangcono, kuyimali yesikhashana futhi uma kwenzeka ukuthi ukusebenza kuphinde kwenzeke, amabhange ayoba namandla okufaka inqubomgomo ngokumelene nengozi yokungakhokhi. Ngokungeziwe ekubekeni unilaterally inani lengozi enkulu, kanye nezinga lenzalo kanye nezindleko ezikhiqizwa kusukela enkontilekeni yayo.
Isaphulelo sezikweletu kanye nokusetshenziswa kwaso ekuphathweni komgcinimafa
Mayelana nokuphathwa kwalo mkhiqizo kumgcinimafa, kufanele kugcizelelwe ukuthi umphumela wawo omkhulu ungabonakala emibonweni emibili ehlukene. Njengoba kusengaphambili, akuyona inkampani okufanele yenze ukuthumela lokho kunyakaza kwezimali. Okungenani ngosuku okuzokwenziwa ngalo umsebenzi, njengoba izikhungo zezikweletu zizobe ziphethe ukuhambisa imali. Ngenkathi ngakolunye uhlangothi, izinkampani kuzofanele zishintshe ngokuhamba kwesikhathi ngezindleko ezibiza kakhulu ngenxa yenzalo kanye namakhomishini ahambisana nesaphulelo somphumela.
Kuboniswa ukuthi indima yayo yokubala iyagaywa kuye ngama-ejenti abandakanyekayo ohlelweni kanye nomthelela ongalingani ekuphathweni komgcinimafa. Ngenkathi izinkampani, abantu noma abazimele okuqondiswe kubo lo mkhiqizo wezezimali bazoba nenzuzo enkulu yokuthi bazokwazi ukuqoqa imali yabo ngokushesha kunalokho abebekucabanga ekuqaleni. Ngokukhokhwa kwezindleko nge-akhawunti ngezinsuku ezibalulwe kulo mbhalo. Ukuze ngale ndlela, kube khona imali eyengeziwe ebhokisini lakho yokuyabela noma iyiphi injongo: ukwandisa ibhizinisi, ukuthenga amathuluzi noma impahla ephathekayo noma ukhokhe ngisho nezikweletu ozenze inkontileka nesikhungo sakho sezikweletu. Okusho ukuthi, kuhlala kuvumelana nezintshisekelo zakho zebhizinisi.