Ukufunyanwa kunye nokulawulwa kwezinto ezizinzileyo
Igama elithi "uhlahlo lwabiwo-mali-mali" yinkqubo yokumisela ukuba yeyiphi i-investment-capital yexesha elide kufuneka ikhethwe ngumbutho ngexesha lexesha elithile ngokubhekiselele ekungeneni inzuzo, kwaye ke kubandakanywe kwisabelo-mali salo-mali.
Uhlahlo lwabiwo-mali lubaluleke kakhulu kwiifemu kuba iiprojekthi zentengo yotyalo-mali zenza ezinye zezobalo-mali ezibaluleke kakhulu. Ezi projekthi zisoloko zibandakanya imali eninzi kunye nokwenza izigqibo zokutsalwa kwezimali ezingenakunokuthi zibe nefuthe elibi kwishishini.
Ulwabiwo-mali olwabiwo mali
Inkqubo yohlahlo lwabiwo- mali lweeprojekthi ezinkulu zokutsalwa kwezimali , njengokuthenga isiqwenga sezixhobo, kunye nokuhlawula iindleko ezifunekayo ukuqhuba ibhizinisi kufuna iindlela ezahlukeneyo, nangona zombini zimela imali ezicwangcisiweyo zokusetyenziswa kwemali.
Amashishini angenza iiprojekthi ezithile zeprojekthi ezisekelwe ngokukodwa "kwinqwelo enqwenelayo" yeenjongo zexesha elizayo, ngelixa iindleko zihlala ziqhutywa zidingo okanye imfuno. Iinkampani kaninzi kufuneka zenze iindleko ezingenzi ngokukodwa inzuzo, njengendleko yoqashiso, iindleko zengqesho, kunye ne-inshorensi yoshishino, ngelixa inkampani inokufumana inzuzo kwaye ibe nempembelelo emalunga neendleko zeeprojekthi zabo ezinkulu ngokusebenzisa ulawulo olufanelekileyo lwemali.
Iintlobo zeProjekthi zoTyalo-mali
Iiprojekthi zentengo yotyalo-mali ziyakwazi ukwahlula zibe ziintlobo ezimbini: iiprojekthi ezizimeleyo kunye neeprojekthi ezizimeleyo. Iiprojekti zokutsalwa kwezindlu ezinkulu ezizimeleyo zizo iiprojekthi ezingachaphazeli ukuhamba kwemali kwezinye iiprojekthi.
Iiprojekti zokutsalwa kwezimali ezizodwa zodwa zizo iiprojekthi ezifanayo okanye ezifanayo nezinye iiprojekthi zentengo yotyalo-mali ezichaphazela ukuhamba kwemali kwezinye iiprojekthi.
Umahluko phakathi kwezi zimbini iiprojekthi zophuhliso-mali zifuna uhlalutyo lwemali olulungele ukulungiselela zonke iinkalo ezifunekayo ukukhetha okanye ukulahla iiprojekthi zophuhliso.
Ukukhetha iProjekthi
Xa kuqwalaselwa iphrojekthi enkulu kunye nebhajethi yayo, umnini-shishini kufuneka athelekise izinga lokubuyiswa kweprojekthi eliza kubalwa ngokuchasene neendleko ezilinganiselweyo zokulinganiswa kwemali , nokuba yiphi inkampani ehlawulelayo ukufumana ityala okanye ukuxhaswa kwemali eya kusebenzisa ukuhlawula le projekthi.
Iinkampani zihlala zisisebenzisa isigqibo somgaqo othi, ukuba izinga lokubuyela likhulu kunexabiso eliqhelekileyo leendleko zemali , ke yamkela kwaye utyalomali kule projekthi. Ukuba izinga lokubuya kweprojekthi lingaphantsi kwexabiso elilinganiselwayo lemali yenkcitho, ngoko ke uyalahla kwaye ungayinalo kule projekthi.
Eli nqanaba lokubuyisela limela iindleko zithuba. Ngamanye amazwi, izinga lokubuyela lilingana neendleko zokutshala imali kwiprojekthi enye ngokuchasene nomnye.
Iingxowa-mali zoTyalo-mali
Ukuthelekisa izinga lokubuyisela kwiprojekthi kwixabiso eliqhelekileyo leendleko zexabiso eliyinkunzi alilona lilula njengoko lizwakala. Inkqubo ibandakanya uhlalutyo lwemali olunzima olunokuthi umnini-shishini kufuneka enze ukufumana impendulo.
Cinga ngoncedo lwezakhono kwi-finance okanye kumcebisi weengxelo.
Umnini-shishini kufuneka aqikelele ukuhamba kwemali eya kuveliswa yiprojekthi ekhethiweyo kwibhajethi-mali. Ngokuqhelekileyo, ukuhamba kwemali kuba yinto elula kunzima ukuqikelela xa uzama ukufumana izinga lokubuyela kwiprojekthi.
Bobabini ubungakanani kunye nexesha lokuhamba kwemali yeprojekthi kufuneka kuqwalaselwe. Ukuba ubhala isicwangciso seshishini, umzekelo, kufuneka uqikelele malunga neminyaka emithathu ukuya kweyesihlanu ukuhamba kwemali . Ngokuqhelekileyo, uqikelelo lwemali luqikelelwa kubomi bobuxhakaxhaka beprojekthi kusetyenziswa iingcamango zeprojekthi ezizama ukudala ukuchaneka kangangoko kunokwenzeka.