Indlela yokuchaza ukuPhathwa kweMali yokuSuka kweMali kunye nokuSombulula iingxaki zeNgxowa-mali
Ukubaluleka koLawulo lweMali yokuHlola
Ngokomsebenzi owenziwa nguJessie Hagen wase-US Bank, ama-82% amashishini ahluleka ngenxa yokuphathwa kakubi kokuhamba kwemali.
Ukuba ishishini lakho lihlala lichitha ngaphezu kokuba lifumana unengxaki yokuhamba kwemali.
Kwimashishini amancinci, umbandela obaluleke kakhulu wokulawula ukuhamba kwemali kukuphepha ukunyuka kwekheshi , okwenziwe ngokuba negalelo elikhulu phakathi kwemali engenayo kunye nokuphuma. Ngeke ukwazi ukuhlala kwishishini ukuba awukwazi ukuhlawula iibhilikhwe zakho nayiphi na ubude besikhathi!
Imizekelo yeengxaki zokuLawula kweMali yeCash in Business
Ukuphuhliswa kwezindlu zangasese kuye kwaba yinkampani ekhuselekileyo kwaye abaphuhlisi bahlala bexhomekeka kwiingxaki zemali. Uphuhliso lwezakhiwo lufuna utyalo-mali oluphambili lwentengo kunye nokuphuma kwemali eqhubekayo yokusebenza, kwaye ngaphandle kokuba ezinye okanye zonke ezo zophuhliso zingathengiswa ngaphambi kokwakhiwa, abaphuhlisi bavame ukuqhuba iingxaki zokuhamba kwemali ngaphambi kokuba uphuhliso luqale ukuthengiswa, ingakumbi ukuba iimarike zepropati kwenzeka ukuba kulungiswe ngexesha lokwakha. Abakhi bepropati abaninzi baye baphoqeleka ukuba bangene kwi- bankruptcy ngenxa yokungena kwemali engapheliyo ixesha elide.
Naliphi na ishishini elijongene nokwanda ngokukhawuleza linokungena kwiingxaki zokuhamba kwemali. Ukwandiswa kwamashishini kubandakanya ukunyusa iindleko zabasebenzi njengabasebenzi abatsha abaqeshwayo , ukunyuka kwerenti yendawo eyongezelelweyo, iindleko eziphakamileyo zentengiso , kunye nolwabiwo-mali olongezelelweyo lwezibonelelo ezintsha, izixhobo, njl. Ukugcinwa kwamanqanaba okwandiswa kwempahla kunokukhawuleza kudle imali engaphezulu.
Ukwandisa ikhredithi kwamanye amashishini yindlela enye eqhelekileyo yokuba amabhizinisi asebenze kwiingxaki zokuhamba kwemali. Ukukhishwa kwemfesiso kuvame ukuqhutyelwa kwimigangatho engama-30 okanye engama-60 kwaye akuqhelekanga ukuba abathengi banokulibaziseka intlawulo, enokushiya ibhizinesi lakho ngokukhawuleza kwemali.
Nasi umzekelo we shishini kunye neengxaki zokulawula ukuhamba kwemali - ibhalansi yemali ayibiyo kunyaka:
| Acme, Inc. - Ingxelo yeNgqikembe yeMali yoNyaka ophela ngomhla wama-31, 2016 |
| Ukuhamba kwemali evela kwimisebenzi | $ |
| Iimbuyekezo | |
| Invoyisi zabaThengi | $ 80,000 |
| Okunye | $ 1,500 |
| Ukuhlawula | |
| Imivuzo yabasebenzi | - $ 45,000 |
| Abaxhasi | - $ 25,500 |
| Okunye | - $ 5,000 |
| Intlawulo yeeNkcitho zeNkcitho evela kwiiNkonzo | $ 6500 |
| Ukuhlawula kwemali evela kwiiNgxowa-mali | |
| Izixhobo zokusebenza kunye neNkqubo zeTeknoloji | - $ 5,500 |
| Intlawulo yeeNkcazo eziNgeleyo ezivela kwiiNtsalo | - $ 5,500 |
| Ukuhamba kwemali evela kwiMali | |
| Ukuhlawula imali | - $ 3,300 |
| Izabelo zeSabelo | - $ 5,000 |
| Intlawulo yeeMali eziMali ezivela kwiNkxaso-mali | - $ 8,300 |
| Utshintsho lweNtshukumo kwiCash Balance | - $ 7,300 |
UkuSombulula iingxaki zeCash Flow
Njengomnini-shishini, kufuneka wenze uhlalutyo lwemali rhoqo kwaye usebenzise ukubikezela ukuhamba kwemali ukwenzela ukuba uthathe amanyathelo afanelekileyo ukukhupha iingxaki zokuhamba kwemali . Uninzi lweenkqubo zeengxelo ze- software zakha izixhobo zokunika ingxelo ezenza lula ukuhlalutya kwemali.
Le nyathelo lokuqala lokulawulwa kwemali .
Isinyathelo sesibini solawulo lokuhamba kwemali kukuphuhlisa nokusebenzisa izicwangciso eziza kugcina ukuhamba kwemali eyaneleyo kwishishini lakho. Esinye sezicwangciso ezinokubaluleka kwamashishini amancinci kukunciphisa ixesha lokuguqula imali yakho ukuze ibhizinisi lakho lingenise imali ngokukhawuleza.
Ukuba ishishini lakho landa, ungadinga enye okanye ngaphezulu injini yemali ngexesha lokukhula. Oku kungathatha ifom ye- mboleko yezoshishino kwiziko lemali ( ukuxhaswa kwetyala ), okanye inkxaso-mali yabanini- mali.
Ukuxhaswa kwetyala kuqhelekileyo kwizinto eziphathekayo ezifana nezixhobo, izakhiwo, umhlaba okanye umatshini apho ixabiso elizithengwa lisetyenziselwa njengokhuseleko ( ityala ) lomboleko. Inzuzo ebalulekileyo ekuxhaseni kwetyala ngokuxhaswa kwemali yonyaniso ngumnini-shishini (okanye) umnini-shishini akufanele anikezele ubunini benkampani ebunini kwaye ugcine ulawulo olupheleleyo.
Ngethuba elifutshane lokungabikho kwemali yokuhamba, abaninzi abanikazi bamashishini abancinci basebenzisa amakhadi-mboleko okanye imigangatho yeebhanki .
Ukuxhaswa kwemali kubandakanya ukunyusa imali kwizithunywa-mali okanye abatsha -mali . Ukuxhaswa kwemali kungabikho mngcipheko kakhulu kuloo mali ekutyalomali ayiyi kubuyiselwa ukuba ishishini lingaphumelelanga; nangona kunjalo, ngokutshintshiselwa ukuxhaswa kootyalo-mali (investors (s) kuba ngabanikazi benxalenye kwaye ngoko bathatha inxaxheba yeenzuzo kwaye banokuthi bathetha njani ukuba ishishini lisebenze.
Naluphi na uhlobo lokuxhaswa kwemali olufunekayo kubalulekile ukuba ube nesicwangciso soshishino oluhlaziyiweyo ukuza kubonelela kumaziko emali okanye abatyali-mali. Isicwangciso soshishino kufuneka sibonise imfuno (kunye nemiphumo) yokuxhaswa ngezimali kwixesha elizayo le shishini.
Imizekelo: Ngokulawulwa kwemali ngokukhawuleza, uMonique wakwazi ukuguqula ibhedi yakhe kunye nesidlo sasekuseni kwi shishini elinenzuzo.