Iyintoni Indleko Yangempela YeeRikhuso zeNtengiso?
Kuqikelelwa yiinkcenkceshe ukuba amashishini amancinci ahlala anama-40 ekhulwini ekuxhaswa kwabo ngemali kwintengo-mboleko yoshishino-into abaya kubaxhamla ngayo.
Ngokuqinisekileyo lixanduva elilodwa elona likhulu kunazo zonke ezisemgangathweni kwishishini elincinci . Incinci ifom, iphakamileyo ipesenti yentengo yekhredithi njengesixanduva samanje.
Usebenza njani ngeNtengo yeMboleko?
Xa inkampani ithenga kumthengisi, loo mthengisi uhlala ekulungele ukuvumela inkampani ukuba ilibale ukuhlawula. Xa umthengisi evumela ukuhlawulwa kwexesha, ngokuqinisekileyo umthengisi ukwandisa imali kwiinkampani. Le ngxowa iba ngumthombo wenkxaso-mali yokuxhasa imali yenkampani. Kuba amashishini amancinci kunye neenkampani zokuqala, i-credit yekhredithi ingaba yinkxaso-mali kuphela. Abathengi bayazi oku kwaye bahlala bejonge kwiakhawunti zabo ezifunyenweyo kunye neenkampani ezithatha iikhredithi ngabo.
Khetha Abathengi Bakho Ngokucophelela
Xa iingcango zezoshishino zivulekile, enye yemisebenzi yakho yokuqala kufuneka ukuba ukhethe abacwangcisi bakho ngokucophelela. Ufuna ukukhetha abathengi bakho kungekuphela kuphela kwimveliso abanokukunika yona kodwa nangemigangatho yabo yorhwebo ngetyala.
Ukuba unomashishini omtsha okanye okhulayo, ngokuqinisekileyo ufuna ukukhetha abathengisi ababonelela ngeentengo zemarike kwaye ngokukhethekileyo abo banikela ngemigangatho yemirhwebo yokuthengisa.
Xa ukhetha ababoneleli, ngokubanzi uza kwenza umboniso okanye ukucebisa abo bathengi. Qinisekisa kwaye ugxininise ukuba uluhlu olunjani oluza kulufunwa kunye nokuba uluhlu olunjani olulindele ukuba luye phambili phambili.
Ufuna ukwenza inkampani yakho ibonakale ikhangele kumthengisi njengenkampani efanelekileyo yokuthengisa ngetyala. Ubume beshishini owenzayo nomthengisi, ukuphucula imeko yakho yokuxoxisana kuya kuba malunga nemimiselo yorhweba yorhwebo kunye nomthengisi.
Iindleko zoRhwebi-mali
Oku kuthethi, kukho iindleko ezihambelana nokuba neentengo zemarike ezinikezelwa kwinkampani yakho ngababoneleli bakho. Abathengi mhlawumbi banesimo esifanayo malunga nokuhamba kwemali, ngoko ke indleko efanelekileyo yento oyithengayo kubathengi ngokuqhelekileyo iphezulu kunokuba uhlawula imali. Akukuphela nje ukuba ufumene intengo ephakamileyo yokuthenga, kodwa kufuneka ufumane iindleko zangempela zeentengo zemarike.
IiFirms ezinikezela ngetyala lakho lorhwebo lenkampani inomgaqo-mboleko wentengo, njengokuba unomgaqo-mboleko kumthengi wakho. Lo mgaqo-nkqubo wemali-mboleko unokuba nemigangatho yorhweba ekhangele into efana nale: 2/10, net 30. Le nto ithetha ukuba umthengi uya kukunika isaphulelo sepesenti ezimbini xa uhlawula ibhilikhi yakho kwiintsuku ezili-10. Ukuba awuwuthathi lo phulelo, ngoko umrhumo-mali ufanelekile kwiintsuku ezingama-30. Ukuba unikwe le migqaliselo yorhwebo ngumthengisi, bathetha ntoni?
Umzekelo Wexabiso Eliyinyaniso LoRhwebi Lorhwebo
Apha sinokusebenzisa ifomula ukubala iindleko zentengo yekhredithi.
Le fomyula ikwabizwa ngokuba yindleko yokungathathi isaphulelo. Masithi inkampani yakho inikezwa ngemigangatho yokurhweba kwe-2/10, inombolo 30. Ngoku, kufuneka sicinge ngeso simo apho inkampani yakho ayikwazi ukuthatha isaphulelo sesi-2 sepesenti. Ngamanye amagama, awunayo ukuhamba kwemali ukuhlawula ibhilikhi uze ufumane isaphulelo kwisithuba seentsuku ezili-10, yintoni le eya kukubiza?
Nantsi ifomula yokubala indleko yokungathathi isaphulelo:
Ipesenti yepesenti รท (i-1-Discount%) x [360 / (epheleleyo ivumelekile iintsuku zokuhlawula - iintsuku zokuhlawula)]
Nantsi inkcazo ngeyathelo lefomula usebenzisa umzekelo owenziwe ngentla: 2/10 net 30.
- Hlukanisa ipesenti yepesenti, i-2%, ngo-100% -2%), umahluko we-100% ngaphantsi kwepesenti e-2% yokuphumula. Ilingana no-2.0408%
- Ukwahlula ama-360 - iintsuku ezikhethiweyo ngonyaka - ngesibalo seentsuku zokuhlawula ezivumelekileyo ezipheleleyo (iintsuku ezingama-30) zichithwe iintsuku eziye zavunyelwa (iintsuku ezili-10). Ilingana no-18.
- Ukwandisa umphumo we-2.0408% ngo-18. Ulingana nama-36.73%, inzala yenzalo yonyaka ehlawulwayo.
Ngokomqathango kumzekelo wethu ngasentla, ipesenti ezingama-36.73 yindleko yokungathathi isaphulelo. Unokufumana inkontileka yemboleko okanye umboleko webhanki kwisilinganiso esingaphantsi kwaleyo.
Ngaba I-Your Company isebenzise I-Trade Credit?
Ingaba inkampani yakho kufuneka isebenzise i-credit credit ukuze ithenge i-inventory yayo kunye nempahla okanye enye imithombo yokuxhasa imali ? Ukuba inkampani yakho ine- flow flow cash ukuze ithathe isaphulelo esinikezwe ngokwemigaqo yekhredithi, yebo ewe. Nangona kunjalo, kufuneka ubale iindleko zemarike yorhwebo, okanye iindleko zokungathathi isaphulelo, njengale candelo elingentla.
Ukuba awunayo ukuhamba kwemali ukuba uthathe isaphulelo, ngokuqhelekileyo ulunge ngakumbi ngefom ephantsi. Kuhlala kulungele ukufumana ukuhamba kwemali eyaneleyo ukuze uthathe isaphulelo.