Inzuzo yezezimali Kusho ukuthini?

El isicelo sezimali Kuyindlela emangalisayo yokwenza utshalomali. Ukuze uyisebenzise ngendlela efanele, kubalulekile ukucabangela amaphuzu nezici ezihlukahlukene, okuzochazwa ngokuningiliziwe kumaphuzu alandelayo.

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Inketho enkulu yokutshala imali

Ukulungiswa kwezimali

Kuyimalimboleko yezezimali edingekayo ukuze ukwazi thwala kuqediwe alukuhlinzwa okuthile. Lapho kuzotshalwa imali, isikhwama somuntu siqu singasetshenziswa kanye nesikweletu noma isikweletu. Ngokuvamile, le nketho yokugcina ivumela ukutshalwa kwezimali ukuthi kube nokwenzeka kokukhula, okuyinzuzo ephezulu ukuze umgomo ufinyelelwe, ngakho-ke, ngokuvamile kuthiwa amandla ezezimali avumela ukukhuphuka kwemali.

Iphuzu okumelwe licatshangelwe ukuthi alifani nokubolekwa imali, lifana kakhulu, kodwa ngenxa yokuthi imali ebolekiwe iyinani lemali ebolekiwe kanye nenzuzo yezimali igqamile, ngaphezu kwemali mboleko, ukuthola amanani emali. kusuka enhlokodolobha okungeyona eyakho. Lokhu kuyinzuzo enkulu, njengoba inzuzo ingase ikhule, noma kunjalo, ngendlela efanayo kufanele uqaphele ukuthi umphumela omuhle utholakala ngempela.

Phakathi kwamanye amaphuzu okufanele kucatshangelwe ukukwazi ukubala kahle isikweletu futhi kulokhu kusetshenziswa indlela yokulinganisa yezimali, okungukuthi: Isilinganiso senzuzo yezezimali: Isamba semali etshaliwe / Imali Eyakhelwe

Lapho ukutshalwa kwezimali kwenziwa ngemalimboleko, inani lamasheya lizokhuphuka ngokuhamba kwesikhathi futhi livumele inzuzo enkulu ukuthi itholakale ekuthengisweni kwawo. Ngakho-ke, kuyadingeka ukuthi ibhizinisi elenziwe libonise imiphumela emihle, ngendlela yokuthi ukwanda kwenzuzo kuqinisekile, ngoba uma umphumela ungalungile, khona-ke icala lokungenamali lizoboniswa, eliyinkimbinkimbi kakhulu.

Lapho uzokwenza imisebenzi yokubolekwa kwemali kanye nezezimali, kubalulekile ukuba nolwazi lwazo zonke izimali, sincoma ukuthi ufunde mayelana amazinga enzalo ezezimali

Izici ezibalulekile

Uma umsebenzi wenziwa ngenani elincane lokuzuza ngokwezimali, kusho ukuthi ukutshalwa kwezimali kwenziwa ingxenye enkulu kusetshenziswa imali yomuntu siqu futhi imalimboleko eceliwe iwukukwazi ukuqedela okudingekayo, okugqamisa ukuthi lezi amacala avame ukuboniswa

Kubalulekile ukukhumbula ukuthi kukhona iphesenti lenzalo okufanele likhokhwe kanye nenani elibolekiwe, ngakho-ke ngenani elitholiwe, kokubili imali ebolekiwe kanye nenzalo kufanele kukhokhwe futhi ngendlela efanayo kutholwa inani elikhulu lenzuzo. lokho kuvumela ukubona ukwanda kwenzuzo.

Ngokufanayo, kubalulekile ukuqaphela ubungozi obukhona kulolu hlobo lwenqubo, kungenzeka ukuthi ngokuhamba kwesikhathi, isibonelo, ngonyaka, inani lamasheya alizange likhuphuke kakhulu, okuzoba yingozi eyaziwayo njengoba izoba. dala ukulahlekelwa, ngoba inani elizokhokhwa likhulu ngoba inzalo kufanele icatshangelwe.

Uma kungekho isicelo sezimali, ukulahlekelwa emalini yomuntu siqu kuzoqokonyiswa, futhi uma imali ebolekiwe itholakala, khona-ke isikweletu esikhulu siyaboniswa okufanele sikhanselwe futhi ukulahlekelwa nakho kuzophindaphindwa. Okubi kakhulu okungenzeka ukuthi inani lamasheya alikhuphuki nhlobo, okusho ukuthi ukulahlekelwa okuphelele futhi ukukhokhwa kwesikweletu ngeke kwenzeke, kukhombisa ukuhluleka.

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Amafomula

Usizo olunikezwa yinqubo yokusizakala kwezezimali luphezulu kakhulu, uma kubhekwa ukuthi lunikeza umuntu inani lezimali ukuze enze i-investimenti, lapho kugqanyiswa khona ukubaluleka kokwenza izinqubo nemisebenzi efanele ukuze imiphumela etholiwe ibe yenhle futhi ibe ngcono ekwazi ukwandisa inzuzo futhi kungenzeka ukukhansela isikweletu futhi uthole inzuzo.

Ngokuvamile, emabhizinisini, ezinkampanini, nokunye okudinga ukuphathwa, zisebenzisa amandla ezezimali, ngoba kuyindlela elula kakhulu yokukwazi ukukhiqiza imali ngamanani amakhulu nokuthi ukuphindaphindeka kwenzuzo kwenzeka, uma kungenzeki. khona-ke izinkinga zizoqala ukuvezwa ezizoba nemiphumela emkhakheni wezomnotho nokunye.

Ngokunikeza isilinganiso phakathi kwemali umuntu onesikweletu anayo, kuvumela ukutholwa kwemali mboleko ukuthi kwenzeke, njengoba ibhange elihlinzeka ngosizo olushiwo lisungula amaphuzu athile okufanele afezeke ngoba kufanele aqinisekise ukutholwa kwemali. Ngokuvamile, uma usebenzisa lolu hlobo lwemisebenzi, kuyoba lula kakhulu ukuba endaweni yokuhweba ngenxa yokuthi ukutshalwa kwezimali kuyizinzuzo ezinikezwa umsebenzi.

Ngakho-ke, izinga lenzuzo yezezimali okufanele licelwe kufanele licatshangelwe, njengoba liphakeme, izingozi nazo zizokwanda.Lapho izinkampani ezinkulu noma izinhlangano zisebenzisa lolu hlobo lwecala, kufanele ziqinisekise ukuthi zithola umphumela ofanele, owumphumela. ibiqala ngo amafomula okusizakala kwezezimali, namuhla egqamisa intuthuko edume kabi ethathwa njengomzila osebenzayo.

Ngalolu hlobo lwenqubo, ngokuvamile yizinkampani ezihlobene, njengoba zingase zidinge uxhaso lwezimali, sincoma ukuthi ufunde mayelana incazelo ye-factoring


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