Umthengisi wezeMali kunye noRhwebo lweNkxaso
Umthengisi ngemali ngumsebenzi oqhelekileyo kumashishini. Abathengisi iinkampani ozenza ishishini. Abathengisi bangaba:
- Ababoneleli ngeenkonzo, ezifana nenkonzo yokuhlawula okanye inkonzo yokucoca
- Abathengi, ezifana nevenkile yokubonelela ngeofisi okanye indlu yokubonelela
- Abavelisi bezixhobo
- Inkampani enika izixhobo okanye izinto.
Ukuthenga ngetyala kukufana nokuthengisa ngemali. Yinkqubo yokuthenga izixhobo kunye neempahla ezivela kubaboneleli okanye abathengisi kwaye ubavumela ukuba bathenge iimali zakho. Ngamanye amagama, urhwebo lweentengo okanye umthengisi wezimali "uthenge ngoku, hlawula kamva."
Abanye abanikezeli banikezela le "akhawunti evulekile," kuba bagcina i-akhawunti yakho ivulekile kwaye unokuthenga kuyo ngetyala xa nje uqhubeka uhlawula rhoqo. Iingxowa-mali zorhwebo zingasetyenziselwa okanye ukwandiswa okanye kwimisebenzi yeshishini eqhelekileyo.
Umzekelo, ungaya kwi-ofisi yokubonelela ngeofisi kwaye usethe iakhawunti kwaye uthenge ifenitshala yakho yeofisi, ikhomputha kunye neefisi ezivela kule nkampani. Umthengisi uya kufuna ukuba uzalise isicelo sekhredithi kwaye usebenzise ikhadi lekhredithi okanye inkampani yenkxaso ukujonga i-credit yakho kwaye ikunikezele ngemali.
Ukusebenzisa iMali-mboleko yezoRhwebo kwiZimali zeBhizinisi lakho Ukuqalisa okanye ukuNyuselwa
Xa ucinga malunga nokufumana inkxaso-mali yokuqalisa ukuqala okanye ukunyusa, okanye ukuxhaswa kwemali, udla ukucinga ukuba uye ebhanki. Kodwa ibhanki ayinakuba yindlela efanelekileyo yokuqalisa ukushishina ishishini lakho. I-credit card ingasetyenziselwa ukuthenga i-inventory yakho yokuqalisa.
Kule meko, usenokufuneka usebenzise ingxelo yebhanki yakho, ekubeni ibhizinisi lakho elitsha aliyi kuba nembali yekhredithi.
Ukuseka iTyala leRhwebo
Xa ususe isakhiwo seshishini lakho elitsha, qalisa ukusebenzisana nabanikezeli beendawo ngokusetyenziswa kwezixhobo, ukubonelela kunye ne-inventory. Ngamanye amagama, fumana i-credit ngqo kubathengisi, njengezitolo zokubonelela ngeeofisi, ababoneleli bezixhobo ezizodwa malunga nohlobo lwenkampani yakho , kunye ne-inventory okanye izinto. Buza umthengisi ngamnye ukuba uya kukuvumela ukuba ukhokhe "nge-akhawunti" uze uqiniseke ukuba uhlawula i-akhawunti nganye ngenyanga. Kubathengisi abakhulu belizwe, cela enye yamakhadi abo, kwaye uyihlawule inyanga nganye.
Indlela yokuThengwa kweMvumelwano yeMatyala
Ukusebenzisa inkokhelo yezorhwebo kunokufumana imigaqo engcono kumathengi-shishini. I-Shari Waters, i-Expert Extension, ichaza ukuba amashishini anika ithuba elifanelekileyo lokuxhaswa kwabathengi abalungileyo. Uthi:
Emva kokuba kusekwe ukuba ishishini linokuhlawula iindleko zaso ngexesha, kunokwenzeka ukuxoxisana ngetyala leemarike kunye nemigqaliselo yabathengisi.
Ezi zentengiso zemvumelwano zentengiso zingabandakanya izaphulelo zokuhlawula ibhalansi ngenxa yokuqala.
Indlela iRhwebi leRhwebo elisiza ngayo ishishini lakho
Ukusebenzisa ityala lezorhwebo kukho izinto ezine zoshishino lakho:
- Kukunceda uthenge izinto ozidingayo ngaphandle kokuya kwibhanki kwaye usebenzise imali eyimali yakho.
- Ikunika ibhondi yekredithi yokusetyenziswa xa kufuneka uhambe ebhanki ngemboleko.
- Ikuvumela ukuba ugcine imali yebhanki yokuphucula iinjongo eziza kubangela ukubuyiswa okunye.
Kuthatha umsebenzi ukuthetha nabathengisi abaninzi kunye nabathengisi kunye nokuseka i-credit nganye, kodwa ihlawulela ekupheleni, njengoko ubona ishishini lakho lokuthenga imali kunye nokukwazi ukuboleka imali kwi-bhanki kwanda.
Buyela kwiindlela ezi-5 zezeMali kwiBhizinisi lakho kwiMali yeeMali eziNzima