Isiqalo Esiqinileyo Sengqondo Yakho Engenzi Inzuzo
Ngaphandle kweBabhu yeVangeli esebenzayo, uxwebhu lwemiba yoluntu lunokuthi lube yinto edibeneyo, ngokukhawuleza ilibale. Kunoko, le projekthi idale izicwangciso zesenzo kwiifilimu ezithiwa njenge "Food Inc.," "Siyakwamkela eShelbyville?" kunye "noMvakalisi."
Kodwa uLabhu yeLizwi eliSebenzayo alisebenzisi lodwa . Kunoko, isebenza nomxhasi wezemali obizwa ngokuba yiNkqubo yoLuntu yaseSan Francisco.
Amawaka eemibutho kulo lonke elase-US kwaye nakwamanye amazwe sele akhethe ukusebenza kunye nabaxhasi bemali.
Uxhasomali lwezezimali luye lwazo kwiminyaka yamuva. Ngesinye isikhathi, le ngcamango yayingaphezulu kunokuba icacile, kwaye ezinye iingcali zathi zi lumkise ngazo.
Kodwa, ngokubulela kwimibutho ekhangele phambili kunye nomsebenzi omningi kunxalenye yabaxhasayo bezezimali ngokwabo, i-set of best practices has emerged, kwaye inkxaso yoxhasomali ibonisa ukuba iyabaluleka.
Imbali yoxhaswa kwezeMali
Ndabuza uMelanie Beene, umlawuli olawulayo woLuntu lweNkqubo kunye nenkokeli kwinkalo yokuxhaswa kwezemali, ukuze ndikuncede ukuba ndiqonde indlela inkxaso yezimali ngayo kunye nendlela inhlangano inokukhetha ngayo ukubandakanya ilungiselelo lokuxhaswa kwemali kunokuba ihambe yodwa.
Amanyathelo asekuhlaleni ayeyinxalenye yeSan Francisco Community Foundation. Le ntlangano yabona imfuneko yendlela ethile "yokubambisa" iiprojekthi ezingenzi-nzuzo ezingaqhubela phambili ukuba zibe yimibutho engekho inzuzo ngokuzenzekelayo.
Kwakukho abanye abaxhasi bezimali kwilizwe lonke, ngokugqithiseleyo i-Tide Centre, Abalingani boLuntu, kunye ne-Earth Island Institute, yonke e-California; Iziko leZiko loPhuhliso lweNorth of Noprofit; kunye neCandelo lesithathu iNew England eBoston.
Iqela elikhulu labaxhasayo bezezimali bahlanganisana ngo-2004 ukuze baqulunqe iNethiwekhi kaZwelonke yabaSekeli bezeMali.
I-Network iye yabamba iintetho kwilizwe lonke kwaye yabambisana kwizikhokelo kunye neendlela ezilungileyo ezichaphazela abangaphezulu kwama-140 abaxhasi bemali.
Yiyiphi iNkxaso-mali yeeMali kwaye ayikho
UBeene wayefuna kuqala ukucacisa iingcamango ezingalunganga malunga nokuxhaswa kwezemali: ngokukodwa abaxhasi bemali banike inkxaso ngemali okanye banokufumana inkxaso yeprojekthi efuna inkxaso-mali. Akunjalo ke abaxhaswa ngemali, wathi.
Nabani na ophandle indlela eya kwimeko engenzi-nzuzo uyazi ukuba akulula.
UBeene uthi uxhaso lwemali, "... yindlela engabizi, ngokukhawuleza, elula, nangendlela efanelekileyo yokwenza umsebenzi wakho wokuncedisa kunokuzama ukuseka i-corporation yakho-501 (c) (3). ixesha lokubona ukuba ingcamango yakho isebenza, kwaye inokunika nokuzithemba kubantu abanokuxhaswa ngezimali abahlala bexhala ukubonelela ngenkxaso kwizinto ezintsha ezingenzi nzuzo. "
Umxhaswa ngemali unakho nawuphi na owenziwe ngu-501 (c) (3) ovuma ukwamkela uxanduva lwezemali kwiprojekthi yakho. Kodwa kukho inzuzo yokuba nenhlangano ezinikele ekuxhaseni ngemali, kunye neeprojekthi ezininzi kwiipotifoliyo zayo.
Imibutho enjalo inokubonelela ngoqoqosho lwezinga xa lifika ekukhuselekeni izinto ezifana ne- inshurensi .
Baya kunika isibonelelo esibalulekileyo malunga nokulawula, uncedo ngokufakela ingxelo kunye nokugcina iirekhodi.
Umxhaswa ngemali angaba yi-ofisi ye-back efanelekileyo kunye nexabiso eliyimpumelelo kwiprojekthi entsha, evumela ukuba igxile kwimisebenzi kunye neenkqubo zayo.
Uxhasomali lwezemali ekuqaleni lwacatshangwa njengesilinganiselo sokumisa amaqela amatsha ngokuqalisa. Nangona kunjalo, ngoku ingaba yinto emfutshane, ephakathi okanye ede.
Indlela yokufumana umxhasi ofanelekileyo wezimali kwiprojekthi yakho
Yintoni omele uyicabange ngayo xa ucinga ngobudlelwane kunye nomxhasi wezimali? UBeene uthi ukhangele ezi zikhokelo ezifanelekileyo:
- Khangela umxhasi wezemali olufanelekileyo ukufumana umsebenzi. Abaxhasi bemali basebenza ngokubanzi kwiiparitha ezithile. Abanye bafana namaqela ezobugcisa ngelixa abanye banolwazi kwiinkonzo zabantu. Fumana enye into efanelekileyo yokuthunywa kwakho.
- Khangela iindleko zokusebenza nomxhasi wezimali. UBeene uthi i-10% yengeniso yonyaka iyinto eqhelekileyo, kodwa ingaba ngaphezulu kwiirhafu zorhulumente ezifuneka ziphicothwe, kunye / okanye xa zihlawulwa imali, oku kuthetha ukuba iphrojekthi kufuneka ichithe imali ize ihlawulwe ngumniki-mali. Abaxhasi bezezimali bangafakwa kwindawo yokutshiza imali engaphambili. Kwakhona, uninzi lwezibonelelo zorhulumente ziphicothwa yinkampani yesibonelelo ngamnye ngonyaka.
- Khangela uxhaso olusebenzayo ... kungekhona nje ukudlula, okungekho mthethweni. Umxhasi osebenzayo kufuneka anikeze uphando lwezemali kunye neenkqubo kwaye angabonelela ngamathuba emfundo kunye neemeko zokunxibelelana.
- Ngaba umxhasayo ulandela iindlela ezilungileyo? Ingaba kunika ingxelo ngezimali rhoqo? Isivumelwano esibhaliweyo? Khangela izikhokelo zeNkcazo ezipheleleyo kunye neZikhokelo zoBunikelelo boBuhlomulo bezeMali.
- Jonga ezinye iinkonzo ezinikezelwa ngumxhasi wezimali. Kufuneka ulawulo lwezemali kunye nokubonelelwa kwe-grant, kwaye unike indlela yokuthenga i-inshorensi. Abanye abaxhasi bemali banikela indawo yeofisi, indawo yokuhlala kunye nokufikelela ekuthengeni okuninzi. Ininzi inika indlela yokukhupha imali kwi-intanethi. Ingaba inikeza uqeqesho? Ngaba ikhona ngokufanelekileyo? Zihlala zivame kangakanani ukuhlola? Yaye yintoni ubuntu kunye nodumo? Ziziphi ezinye iiprojekthi ezizithethayo ngabo?
Yintoni abaxhasi bezimali abafuna kuwe
UBeene ubonisa ukuba umxhasi wezemali uza kukukhangela nawe. Baya kujonga le miqondiso:
- Ingaba iprojekthi yakho inenjongo engekho inzuzo ? Ingaba i-IRS ingacinga ukuba lo msebenzi osemthethweni ongenzi nzuzo xa ufake isicelo sesimo esingenzi nzuzo ? Uxhasomali lwezemali alukho indlela efanelekileyo malunga neemfuno ezingenzi nzuzo.
- Ingaba iprojekthi yakho ine-traction eyaneleyo yokufumana imali kule ngcamango? Ngaba uxoxe nabaxhasi? Ingaba unayo ingundoqo yabanikeli ngabanikiweyo ngabanye? Ngaba ufumene imithombo yengeniso kwaye waqala ukuhlola ezo ndlela?
- Abaxhasi bemali abayifumani imali kwaye abamkeli iiprojekthi ezingakulungele. Ngokomzekelo, iiNkqubo zoLuntu zifuna iiprojekthi zibe neyona mali engaphantsi kwe-24,000 yengeniso, ngelixa i-Tides Centre inomlinganiselo we-$ 100,000. Kwakhona, umxhasi wezimali uhlawula iinkonzo. Unokuhlangabezana neemfuno zemali?
Iphuzu, uBeene uthi, ukuba inkxaso yoxhaso lwemali ayiyindlela yokufumana ukukhanya kwemini, nokuba yindlela yokuba iqela lifumane inkxaso yenkxaso engazange ikwazi ukuyifumana yona . Uxhasomali lwezezimali luboleka ukuthembeka kwiprojekthi yakho, kodwa kuphela ukuba unengcamango enhle kunye nokukwazi ukukhohlisa umxhasi ukuba atyala imali yakho kwingcamango yakho.
Ufumana phi abaxhasi bemali?
Kukho uhlaziyo lwemali oluxhasayo lwemali oluluhlu lwabaxhasayo bemali kuma-32 ase-Washington DC, nase-Ontario, eCanada. Abaxhaswa ngemali kwi-directory bahlala kwikhaya malunga namawaka eeprojekthi kunye nokulawula inkxaso-mali yokufikelela kwi-$ 1 billion. Unokujonga kwakhona malunga noluntu lwakho kwaye ubuze ezinye iprojekthi ezingenzi nzuzo malunga nabaxhasi bezimali zabo.
Izibonelelo malunga nokuxhaswa kwezeMali:
- Ukuxhaswa kwezeMali kuPhakamileyo njengoMhlaba, uMelanie Beene, Abanikeli beeGrant kuBugcisa beBanga loLwazi, iVol. 21, uNombolo 3, ukuwa kwe-2010.
- Ukuxhaswa kwezeMali kuNcedisa njani iNgeniso, uJonathan Spack, Icandelo lesithathu iNew England,
- Uxhasomali lwezezimali: 6 iindlela zokwenza okulungileyo, uGregory L. Colvin, i-Study Centre Press (2006).