Kungenzeka ukuthi uke wazibuza ukuthi kusho ukuthini kanye nomsebenzi wamakhredithi Isikhwama esilahlekile, uma lokhu kuyindaba yakho ngempela, usendaweni efanele, kuso sonke lesi sihloko sizozama ukuxazulula le mibuzo emibili neminye eminingi ongase ube nayo ngalolu hlobo lwemali mboleko noma isikweletu. Ngakho-ke, ngaphandle kokuchitha isikhathi, ake siqale ngalo lonke ulwazi esikuphathele lona.
Izimali mboleko ezingabuyiswa yilezo ezinikezwa uhulumeni ukuze kuthuthukiswe imibono yakho yezamabhizinisi, ukuguqula amaphupho akho abe ngokoqobo.
Ayini amakhredithi angabuyiswa noma imalimboleko?
Uma ulapha kungenxa yokuthi ngesinye isikhathi uke waba nemibono yebhizinisi futhi awazi ukuthi uzoyiqhuba kanjani ngenxa yokuthi awunayo imali egcwele yokukwazi ukuyenza, ngaleyo njongo amakhredithi noma imalimboleko engabuyiswa yadalwa futhi ngale ndlela singakusiza ufeze amaphupho akho okuba nenkampani yakho.
Ngakho-ke uma ungumqali kukho konke okuhlobene nezindaba zezamabhizinisi, sizozama ukukuqondisa ukuze ukwazi ukusebenzisa le nzuzo futhi uqale imibono yakho.
Ake siqale sichaze imali ebolekiwe engabuyiswa, lena imali ebolekiwe, eyemali noma yokweseka umnotho, enikezwa osomabhizinisi nguhulumeni ngqo, iphuzu ukuthi ukuze ujabulele lo mhlomulo ongagcini nje ngokuletha isamba semali. , kodwa amakhomishini awaceliwe futhi awakhiqizi noma yiluphi uhlobo lwenzuzo, umncintiswano kufanele unqotshwe.
Iyini inhloso kahulumeni yokuthuthukisa lolu hlobo lwamabhizinisi amancane noma inkampani?
Kulula nje, basungula ukuthi ngokunikeza lolu hlobo losizo, abakwenzayo kuqinisekisa ukuthi kamuva le mibono yezamabhizinisi ingaba izinkampani ezikhokha intela, ezikhiqizela umbuso izinzuzo futhi, zona, zingakhiqiza imisebenzi nemikhiqizo emikhulu. noma izinsiza kubantu. Ngakho kungaba win-win lapho ubona khona.
Manje ungase uzibuze ukuthi yiziphi izikhungo noma izinhlaka zikahulumeni ezinikeza lolu hlobo losizo? Kunezinhlelo eziyisi-6 eziyinhloko zokuhlinzeka ngezimali, lezi yilezi: uhlelo lokusekelwa loMnyango Wezolimo, Imfuyo, Ukuthuthukiswa Kwezindawo Zasemakhaya, Izinhlanzi kanye Nokudla, owaziwa nangokuthi i-SAGARPA, uhlelo lokusekelwa lweNational Institute of Social Economy, igama eliphelele kunikezwe isifinyezo esithi INAES, iqoqo lamakhredithi anikezwe i-Secretariat of Social Development noma i-SEDESOL.
Olunye lwezinhlelo zezimali ezizwakala kakhulu yileso seKhomishana Kazwelonke Yokuthuthukiswa Kwabantu Bomdabu, eyaziwa nangokuthi i-CDI futhi ekugcineni sinemalimboleko enikezwe i-National Institute of the Entrepreneur, i-INADEM kanye neKhomishini Kazwelonke Yezindawo Ezivikelekile Ezivikelwe, lapha sibala kuphela eziyisi-6 eziyinhloko, kodwa kanye nalezi kukhona ezinye ezengeziwe.
Ngenxa yalesi sizathu, sikumema ukuthi ufake amakhasi asemthethweni ngamunye wabo ngale ndlela uzokwazi ukwazi ngokujulile hhayi kuphela zonke izidingo zabo, kodwa futhi wazi ngokuningiliziwe amanani angabolekwa. Ngale ndlela, sikushiyela lo msebenzi osalindile.
Ungayiwina kanjani imali mboleko noma isikweletu esibi?
Njengoba sishilo ngaphambili, ukuze ukwazi ukufinyelela kwenye yalezi zinhlelo zokuxhasa ngezimali, kumele kunqotshwe umncintiswano, lokhu kuhlanganisa ukudlula izihlungi ezintathu ikakhulukazi futhi ngale ndlela, uhlaka lukahulumeni lukhetha ukuthi yimaphi amabhizinisi angcono kakhulu angakwazi ukweseka. futhi ulunikeze lolu hlobo lwezinsiza, sizobe sesichaza lezi ngokujula okwengeziwe:
Okuvamile
Okokuqala, kunezihlungi zokulawula, kuleli qophelo ukuhlolwa okuphelele kwenziwa kuwo wonke amaphepha nemibhalo yenkampani yakho noma ngaleso sikhathi, ukuhweba.
Konke kufanele kube kulokho okwaziwa njengomyalelo wezomthetho, ngale ndlela, kuzoba lula kakhulu esikhungweni esenza ukuhlaziya, ukwenza ukuqinisekiswa okufanele kanye nokuqinisekisa lonke ulwazi olunikeziwe, iphuzu elibalulekile ukuthi kufanele kucatshangelwe ukuthi kufanele ube usesikhathini lonke udaba lwezibopho zezimali, ukukhokhwa kwezintela nezintela, ukuze ukwazi ukudlulisa isihlungi ngokugculisayo.
Ezobuchwepheshe
Khona-ke konke okuhlobene nengxenye yezobuchwepheshe kwenzeka, kulo mzuzu ukuhlaziywa okuphelele kokungenzeka kwezobuchwepheshe ukukwazi ukukufeza kuzokwenziwa, kanye nokwenza ukuhlolwa okufanele kwesabelomali okungenzeka futhi ngale ndlela, ukwazi ukuba nesilinganiso sanoma yini edingekayo ukuze iphrojekthi isebenze. Uma lesi sihlungi sidluliswa, sidluliselwa kwesesithathu nesokugcina.
Sikumema ukuthi ufunde mayelana imalimboleko ebambe iqhaza, ngalokhu kufanele ufake isixhumanisi sangaphambilini, ukuze ukwazi lonke ulwazi oluvela kokuthi Kuyini? Kuze kube yiziphi izinzuzo ongazithola lapho ukhetha lolu hlobo lwekhredithi? Ngakho-ke zizwe ukhululekile ukungena futhi ufunde okwengeziwe ngakho.
Ukuze uthole enye yalezi zikweletu kufanele uphumelele izihlungi ezintathu okuyizi: Ukulawula, Ubuchwepheshe kanye Nokukhethwa.
Ukukhethwa
Lokhu kuhambisana nesihlungi sokugcina, kulesi sikhathi kuphela labo abadlula yonke inqubo yokulawula nezobuchwepheshe bafika, ngalesi sikhathi bonke abakhethiwe bayaziswa ukuthi imali ebolekiwe inikezwe, kuboniswa ukuthi yimalini, lokhu kuzobe kusekelwe imiphumela etholwe ngokusekelwe kuzihlungi ezichazwe ngenhla.
Izici ezengeziwe mayelana nemali mboleko engabuyiswa
Isici esibalulekile okufanele usicabangele, njengoba kuyisikweletu sesikhwama esilahlekile, awucelwa ukuthi ubuyisele imali, futhi awukhokhiswa inzalo, nanoma iyiphi ikhomishini ngayo. Kodwa-ke, kubalulekile ukuthi ucace ukuthi, noma ungacelwa ukuthi ubuyisele imali, uzocelwa ukuthi ukhombise ngezikhathi ezithile ukuthi imali isetshenziswa ekutshalweni kwephrojekthi ehloliwe.
Kuzona zonke izinhlangano ebesingazibala phambilini, enezinga eliphezulu lezingcingo zalolu hlobo yiNational Institute of the Entrepreneur noma eyaziwa ngele-INADEM, lokhu kuxhumene naleyo eyaziwa ngele-Ministry of Economy, okuyiNational Institute of the Entrepreneur. phakathi Umgomo Wayo ukusekela izinkampani ezincane neziphakathi, ukuze kamuva zibe izimboni ezinkulu zakusasa.
Okuthakazelisa kakhulu ukuthi ukuze ubambe iqhaza kunoma yimiphi imiqhudelwano yakho kufanele ube yisakhamuzi, oneminyaka yobudala esemthethweni (okungukuthi, okungenani ube neminyaka eyi-18), ube nokubhaliswa kwakho kwentela kwamanje kanye nokwakamuva futhi ube nebhizinisi elincane noma umcabango othile.
Ngesikhathi ufaka isicelo sokuthi ukwazi ukubamba iqhaza kunoma iyiphi yalezi zingcingo, kufanele ugweme ukubamba iqhaza kunoma yisiphi esinye isikhungo ukuze ulwazi lungashayisani futhi ube nethuba elingcono lokukhethwa, lesi yisiphakamiso sokuthi sikunikeza ukuze yonke inqubo ibe egculisayo.
Okokugcina, sikukhumbuza ukuthi lolu hlelo lwemalimboleko alunikezwa yinoma iyiphi inkampane yasebhange, lunikezwa ngokuqondile uhulumeni ngemuva kokuphumelela enqubeni yokukhetha ebesiyichaza kulesi sihloko futhi sedlulise izihlungi ezintathu eziyinhloko, ngakho-ke kufanele. qaphela ukuthi amanani azonikezwa azosuselwa kwisabelomali esigunyaziwe, ukuze kuqhubeke umsebenzi owethulwayo.
Sithemba ukuthi ngalesi sihloko sikusizile ukwazi konke mayelana nendlela yokufaka isicelo ngendlela efanele emqhudelwaneni ukuze ukukhethwa okungenzeka kunikezwe imali ebolekiwe yesikhwama esilahlekile, noma kunjalo, siyazi ukuthi kungase kuhlale kunokungabaza okwengeziwe kanye nezinye izici ezingekho. acace 100%, ngalokho sikushiyela ividiyo elandelayo. Sikumema ukuthi uyibone ngeso lengqondo, thatha imizuzu embalwa yalokhu.