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Naliphi na ishishini linesidingo semali , unokukhangela ababolekisi abangakwazi ukufaka imali kwi shishini lakho. Oku kuza ngokugqithiseleyo kwimo yemboleko ehlawulwa kwikamva ngokuxhomekeke kwisivumelwano somsebenzi. Kwimali-mboleko yebhankini, kufuneka bahlolisise idatha yoshishino lakho kwaye balinganise ukuba inkampani yakho ixabise imali yabo yoshishino.
Abanini-mboleko abaninzi banomlinganiselo wokujonga ukuba ishishini lakho lifanelekile yini imali okanye ayikho. Le fomyula iqulethwe ngamaphupha eenkcukacha ezahlukeneyo malunga neshishini lakho. Ukuba idatha yakho yezoshishino iyanelisayo, imali iya kufumaneka kodwa ukuba idatha ingaphantsi kwezilindelo zabo, kunokuba kunzima ukufumana inkxaso-mali. Nantsi ingqiqo yokuvula iso kwiinkcukacha ezahlukeneyo zoshishino ezisetyenziswe ngababolekisi ukujonga ikhono lakho lokuxhasa ngemali .
I mboleko
Amanqaku akho ekhredithi yemali evela kwi-arhente yokubika ngetyala iyasetyenziselwa ngababolekisi ekuqaliseni ukuba ngaba uya kuhlawula ibhizinisi lakho okanye cha.
Amanqaku ahlukaniswe ngamacandelo amathathu; ezilungileyo, ezilinganayo / ezilungileyo kunye ezimbi. Ukuba amanqaku akho akwiqela elungileyo, unethuba eliphezulu lokuxhaswa ngemali ngumboleki . Khumbula ukuba ukulinganiswa kweentengo zemboleko kuthetha ukuba uhlawula zonke iindleko zakho ngexesha kunye nokuba kungenzeka ukuba ulahlekelwe ukubuyisela imali mboleko kumboleki-ke kakhulu.
Ngakolunye uhlangothi, ukuba unemilinganiselo embi / engafanelekanga kwikhredithi, kukho amathuba aphezulu okuba bambalwa ababolekisiweyo baya kukulungele ukwandisa nayiphi na uhlobo lekhredithi kwi shishini lakho . Imbali yebhanki embi ibonakalisa indlela obubi ngayo ekuhlawuleni amatyala akho okanye iimali. Ababolekisi abaninzi bakubheka njengengozi enkulu kwiimali zabo kuba unokulahlekelwa kwiintlawulo. Yiyo imeko ngamnye umntu osomabhizinisi angeke afune ukungena kuzo. Nangona kunjalo, ukuba ukhona kulo ngoku, unako ukujikeleza ukulinganiswa ngokwenza iintlawulo zakho ngexesha ukwenzela ukuphucula amathuba akho okufumana inkxaso-mali.
Ingeniso
Imbuyekezo ibaluleke gqitha kwaye yenza izinto zihambelane ngokukhawuleza nangakumbi. Yenza ishishini lisebenze, likhule kwaye lihlawule iibhilikhwe ngexesha. Ngokuqhelekileyo, imali yintoni eyenza amashishini asebenze kakuhle. Xa kuziwa ekubolekeni, ababolekisi baya kusebenzisa idatha yakho yemali ekufumaneni ukuba unako ukubuyisela umrhumo wemboleko ofaka isicelo. Ephakamileyo imali engenayo ebhankini lakho liqokelela kwixesha elichanekileyo, mhlawumbi uya kuba nako ukufumana iimali-mboleko ezinkulu. Iingcamango apha nguthengi-mboleko kukuba imali yakho iya kwenza kube lula kuwe ukuba ubuyisele imali eboleweyo.
Ngakolunye uhlangothi, ukuba imali yakho yerhwebo iphantsi kakhulu, abaninzi ababolekayo baya kukuboleka kuphela ngemboleko encinci.
Oku kubangelwa ukuba inzuzo ephantsi ayiyi kukwazi ukubuyisela umboleko omkhulu okanye ishishini linokuba nzima ukubuyisela imali. Yingakho abanini-mboleko banokukwazi ukukunika imali encinci okanye ukukhanyela nayiphi na indlela yokuboleka imali. Uninzi lwamashishini amatsha kweli candelo kwaye kwiimeko ezininzi kunqongophala mali. Into engcono kakhulu enokuyenza ngeli nqanaba libuyisela inzuzo evela kwishishini kunokuxhomekeka kubani-mboleko.
Ubukhulu beNtengiso
Ubungakanani bemarike yakho isetyenziselwa ukuchonga inani lemali-mboleko oyifanelekele kuyo kumboleki. Okukhudlwana ubukhulu bemakethe, okwandisa amathuba okuthengisa ngokuthe ngqo okuza kubonakaliswa kwimali eqokelelwayo. Ababolekisi basebenze ekucingeni ukuba idatha ephathelene nobukhulu ukuba imarike ukuba ishishini liyakuthi okanye liboniswe kwimveliso kunye neengeniso.
Imali yokuthengisa eyenzayo ngosuku okanye ngenyanga okanye kwiveki isetyenziselwa ukulinganisa ubukhulu bemakethi osebenzayo.
Iphakamileyo yokuthengiswa, ubuninzi bobukhulu bemarike kwaye ngoko ke inkulu mboleko mboleko okanye umgca wekhredithi oyifanelekayo ukususela kwimiqulu yokuthengisa ukuba i-transactions zoshishino zinakho ukubuyisela imali mboleko enkulu. Ngakolunye uhlangothi, ukuba ubhalise ukuthengisa okuphantsi, kucingwa ukuba ibhizinisi lakho linomakethi omncinci kwaye ubuchule bakho bokubuyisela imali ephezulu yemali mboleko. Uya kulungelelanisa iimali-mboleko ezincinci ezingenakukwenza ezininzi ngokuzalisekisa iimfuno zakho.
Imidiya yokuncokola
Okwangoku, imbono yokuthengisa ngeendlela zendabuko ishintshile kwi-intanethi. Uninzi lwabantu bathanda ukuthenga i-intanethi. Imizekelo engcono kakhulu ibandakanya ama-Amazon kunye no-Alibaba abanini abanabantu abacebile kakhulu kwihlabathi. Oku kuthetha ukuba ininzi yeemarike iyafumaneka kwi-intanethi kwaye ngoko wonke umnini-shishini kufuneka enze okungakumbi kwaye anike iinkonzo ze-e-yorhwebo. Iiprojethi zeendaba ezentlalo enabantu abaninzi abathengi ziquka i-Facebook, Twitter, Instagram kunye ne-YouTube. Kufuneka usebenzise imidiya yoluntu ukuqhuba ukuthengisa kwakho, uphendule kubathengi bakho kwaye ufunde iimpendulo malunga nemveliso yakho. Olu hlobo lokusebenzisana lunceda ekuphuculeni umveliso kunye neenkonzo.
Ababolekisi namhlanje basebenzisana neentengiso zentlalo njengentsebenziswano ekufumaneni ukuba ingakanani imali enokunikezelwa kwishishini lakho njengemboleko. Ubungqina bunokulinganiswa ngabafundi abaninzi (abonwa njengabaxhasi abanakho) onayo kwishishini lakho kunye nobungakanani bokuthengisa owenzayo kwi-intanethi. Iphakamileyo yokuthengisa, okwenza imali eyongezelelweyo kwaye ngoko ke uya kufumana imali mboleko. Kulixesha lokuba ngamnye umnini-shishini enze ukwanda kwezopolitiko zabo zentlalo eziza kukhulisa ngokuzenzekelayo iimveliso kwaye zenze ukuba ufanelekele nayiphi na imali yemali mboleko onokuyifumana.
Umyinge wokuboleka
Ixesha apho uboleka khona iifom inxalenye yedatha yoshishino abanokubheka ababolekayo xa usenza isicelo semboleko. Isilinganiso sokuboleka sisisiseko ekuqaliseni indlela ibhizinisi lakho elizinzile ngayo . Ukuhlala uboleka kubonisa ukuba ishishini lakho alinamatheli amaninzi kumaxesha ngoxa ungakhokhelwa kaninzi luphawu lokuba ishishini liyakwazi ukuzinza. Yilokho ababolekisi basebenzise ukuphonononga iziphakamiso zakho zemboleko.
Ababolekisi abaninzi baya kuhamba kunye nembali yakho yentlawulo ukuze babone ukuba imali ebolekileyo oyithathileyo ihlawulwa. Ukuba uyahlawulwa ngokupheleleyo, nangona uhlala uboleka kangakanani, ukufumana mboleko kuqinisekisiwe. Nangona kunjalo, ukuba loo mboleko yangaphambili ayizange ihlawulwe, akukho bani-mboleko abaya kufuna ukudibanisa nawe. Ngakolunye uhlangothi, ukuba awukho umboleki, ubolekisi bakho baya kujonga ishishini lakho njengezinzile ngokukwazi ukuhlawula imali eboleweyo. Ngoko ke, ukuba ube kwicala elikhuselekileyo, kufuneka uyanciphise izinga lakho lokuboleka abantu ukuba babone ishishini lakho njengezinzileyo kwaye kungekhona inkampani ebolekayo. Le yindlela kuphela yokuqinisekisa ukuba abaninzi ababolekisile ukuboleka imali ngaphandle kokungabaza.
Ikhredithi yeBhanki
Ukuba uqalise usomashishini, kufuneka uqalise ukulinganiswa kwemali kwishishini lakho. Ukuba usebenza nabathengisi, kuyacetyiswa ukuba uhlawule iimali zakho okanye amatyala usebenzisa igama loshishino ngokuchasene negama lakho lomntu. Oku kuya kwenza kube lula kuwe ukuphakamisa ishishini lokuthenga ngetyala kwishishini lakho. Ibhizinisi elinomlinganiselo omhle wokuthenga ngetyala liyakhangeleka kubathengi. Amanqaku akhombisa indlela olungileyo ngayo ekuhlawuleni iibhilikhwe zeshishini, abathengisi bakho kunye nayiphi na enye indlela yokuhlawula ehlawulwa yi shishini lakho.
Nayiphi na ishishini elinomlinganiselo wokuthenga ngetyala lithetha ukuba inkampani yenza iintlawulo ngexesha. Akukho mboleko-mali oya kuhlawula umboleko owenziwe yishishini kunye nembali enamandla. Oku kungenxa yokuba. Uyaqiniseka ukuba ishishini liya kuhlonipha imigqaliselo yokuboleka kwemboleko kunye nokugcina zonke ezinye izinto zihlala zihlala.
Ngakolunye uhlangothi, ukuba ishishini lakho linomlinganiselo ombi wesikweletu, abaninzi ababolekisi baya kuphepha ukuboleka nayiphi na uhlobo lekhredithi. Unengozi yokusebenza kunye kwaye mhlawumbi awuyi kubuyiselwa kwakhona. Ngaloo ndlela, ishishini lakho lokuthenga ngetyala lingaba ntsikelelo kunye nesiqalekiso. Sebenza ekuphakanyeni amanqaku ekhredithi yebhanki lakho ukwenzela ukwandisa amathuba okuxhaswa ngemali xa kunesidingo.
Imbuyiselo yeMatyala yeMali
Naliphi na uhlobo loshishino lwenza iindleko, iibhilikhwe kunye neboleka ngenye ixesha okanye enye. Umahluko phakathi kwezoshishino ezilungileyo kunye nolawulo olubi lwezoshishino lithembela kwindlela umnini-shishini ohlawula ngayo imali yokuboleka kunye nayiphi na enye yemali ehlawulwa yoshishini kubalimi. Ibhizinisi elihlawula kwaye lihlonipha izivumelwano zalo zezimali lakha idumela elihle kwaye libhekwa linyanisekile ekusebenzeni. Yileyo ndlela umlando wokubuyiswa kwetyala uchaphazela ngayo ishishini lakho kwaye ngoko kukukuqinisekisa ukuba ibhizinisi lakho lihlawula onke amatyala alo ngoku ukugcina ikusasa lakho.
IiDepositi zeBhanki
Ibhizinisi elizinzileyo elinokuthi lithengiswe ngemali yokuhamba kwemali iqokelela imihla ngemihla, ngeveki okanye kwenyanga. Ukuba ukunyuka kwemali kukuphakamileyo kakhulu kunokuba kukho ukuphuma kwemali, ngoko ishishini libonakala lizinzile ngokwezimali. Nangona kunjalo, ukuba i-reverse iyinyaniso, ngoko ishishini lingaba nzima ukufikelela kwimigangatho. Ephakamileyo ukunyuka kwemali eyenziwa yoshishino, iphakamileyo iiphozithi ziboniswe kwiakhawunti yebhanki. Ababoleki basebenzisa olu lwazi ukuqinisekisa ukuba ngaba unelungelo lokubaluleka kwemali oyifake isicelo okanye awuyiyo.
Ukuba ubeka imali kwi-akhawunti yakho yebhanki rhoqo ngoku, ibonisa ukuba imali yakho ephezulu kwaye akukho nkonzo-mboleko uza kuguqula isicelo sakho semboleko. Oku kungenxa yokuba abaninzi abathengi banqwenela ukusebenzisana namashishini azinzileyo kwizezimali zabo. Ibhizinisi lakho liya kubakhokelela kubo kwaye nanini na lakho ishishini liphuma ngaphandle kwemali, bonke baya kukulungele ukukunceda. Ngakolunye uhlangothi, ukuba iirhafu zokurhoxa zigqithise inani lemali-mali, ababolekisi baya kuba nembono yokuba ishishini lingaqinisekanga kwaye liyakwazi ukuhlawula ingxaki yemali kungekudala.
Umthetho-Ukugcina
Enye into enokubonakala ingaqhelekanga kodwa ngamanye amaxesha ibhekiswe ngababoleki ukuba ingaba ishishini liyimpahla esemthethweni . Ingaba ibhaliswe kuburhulumente okanye isebenza ngokungekho mthethweni? Oku kungenxa yokuba xa kwenzeka ukulahlekelwa kwimbuyekezo yokuboleka imali, umbolekisi angathatha isenzo somthetho kwi shishini lakho. Oku kuthetha ukuba ababolekisi abaninzi bafuna ukusebenza kunye namashishini abhalisiwe ngokuchasene nalawo asebenza ngokungekho mthethweni. Ngoko ke, ukwandisa amathuba okusebenzisana nabanikezeli abalungileyo kwiimarike, kufuneka uqiniseke ukuba ibhizinisi lakho libhaliswe kwaye liyahambelana nayo yonke imithetho karhulumente kunye nomthetho.
I-Balance Sheet
Isalathisi ngenye yeefayile eziphambili ezisetyenziselwa ukubonisa ngantoni na ukuba ishishini lakho limi ngemali . Kwishishini elizinzile, i-asethi ekupheleni kwebhanki kufuneka ibe phezulu xa kuthelekiswa namatyala amaninzi okwangoku ishishini. Ababoleki kuphela abafuna ukufumana ibhajethi kodwa kunye nezinye iingxelo zemali ezifana nezitatimende zebhanki. La maxwebhu abaluleke kakhulu ekunqumeni ukuba ingakanani imboleko yakho inkampani yakho ifanelekileyo . Ukuba ngaba amanani ayengakholisi, kunokwenzeka ukuba ininzi yezicelo zemboleko okanye imigca yeetyala inganqatshiswa. Ngaphezu koko, ukuba ishishini liye lithengisa impahla, bhetele amathuba okufumana imali ephezulu yemali-mboleko kuba enye yezinto ezinokusetyenziswa ingasetyenziselwa ukuxhamla.
Zonke ezi zinto zingentla zihlolwe ngababolekisi ukufumanisa ikhono lokuxhasa imali. Ngoko ke kubaluleke gqitha ukuqinisekisa ukuba ishishini lakho libhekise kwicala elincinci lokukhanga ababolekisi kunokuba bahluke.