Ukuze wenze umsebenzi omhle wokubikezela ngemali kwi-shishini elincinci, umnini kufuneka akhulise isethi epheleleyo yeengxelo zezimali ezicetywayo.
Ezi nkcazo zemali ezicetywayo, ezibizwa ngokuba yizitatimende zezimali zepro forma, zincedisa iinqanaba ezizayo zeakhawunti yekharityhulam kunye neenzuzo kunye nokulindeleka ukuboleka. Ezi nkcazo zemali zenkxaso- mali ziyi-plan yezemali yomnini-mncinci.
Kutheni amaShishini amancinci adinga iNgxelo zeeNgxelo
Ukuba nesi sicwangciso sezemali sivumela umnini ukuba alandele imicimbi ekhoyo malunga nesicwangciso sezemali kwaye wenze utshintsho njengoko unyaka udlulayo. Oku kubaluleke kakhulu kumnini ukuze kugcinwe ishishini ngaphandle kweengxaki zemali kwiimeko zoqoqosho ezitshintshayo. Ukuba iseshishini leshishini lifuna umboleko webhanki okanye enye i-finance, ezi nkcazo zezimali zifunekayo.
Amashishini amancinci angathuthukisa iinkcazo zabo zeengxelo zemali zexesha elihlukeneyo. Ixesha eliqhelekileyo lixesha lenyanga okanye ezintandathu. Izikripthi zeengxelo zezemali zeprojekthi zengxelo zezemali zithuba ezintathu okanye ezintlanu zonyaka zivame ukuphuhliswa kwiibhanki okanye abatyali-mali abalinganayo xa befuna imali.
Bobabini abaxhasi bezentengiselwano kunye neendwendwe-mali zithunywa zezulu zifuna iingxelo zemali zeprogram.
Ukuze ulungiselele isicwangciso-mali esiphezulu, indlela efanelekileyo kukuqala ukulungiselela isitatimende sezimali somgaqo-nkqubo. Emva koko, uya kufuna ibhajethi yemali kwaye, ekugqibeleni, ifowuni yebhajethi yeprogram. Nantsi ingqikquthela yezinto ezi zilandelayo.
Inkcazo yeNgeniso yePro Forma
Isitatimende sengeniso yeprojekthi yenkxaso-mboleko inikeza ubungqina bokuba inzuzo engakanani inkokhelo ekulindeleke ukuba izuze ixesha elithile. Ngokuqhelekileyo, umnini-shishini omncinci ulandela amanyathelo amane okuphuhlisa isitatimenti se ngeniso seprojekthi:
- Ukusekwa kwemveliso yokuthengisa
- Ukuseka ishedyuli yokuvelisa
- Bala ezinye iindleko
- Qinisekisa inzuzo yakho elindelekileyo
Emva kokusebenzisa iprojekthi yakho yokuthengisa njengento yokuqala, usebenzisa isimiso sakho sokuvelisa ukubala iindleko zeempahla ezithengiswayo xa uthengisa umkhiqizo. Ukuba uthengisa inkonzo , ngoko kufuneka ubeke ixabiso kwinkonzo yakho kwaye ufake indawo leyo yeendleko zeempahla ezithengisiwe.
Ezinye iindleko ozikhuphayo kwiintengiso ziquka iindleko jikelele kunye nezolawulo, iintlawulo, izabelo kunye neendleko zenzalo. Kule ngxaki, ufika kwi-estimate yakho yenzuzo , yinjongo yakho kwiteti yengeniso yeprojekthi .
Uhlahlo lwabiwo mali
Abanikazi bamashishini amancinci abanako ukucinga ukuba nje ngenxa yokuba babonisa inzuzo ekulindelekileyo kwishishini labo ukuba konke kulungile. Inzuzo ayifani neyofana nemali kwixesha. Ukuhlawula phambili kuyimfuneko ukuqhuba imisebenzi yemihla ngemihla. Ngenxa yoko, abanikazi bamashishini amancinci kufuneka bahlakulele ibhajethi yemali eqikelelweyo ukwenzela ukuba baqinisekise ukuba baya kuba nemali eyaneleyo kwixesha elizayo ukuze baqhube.
Uhlahlo lwabiwo mali luyenziwa rhoqo ngenyanga. Iimali zerhafu okanye ezithengayo, eziqhelekileyo zengeniso yokuthengisa, zisekelwe kwimilinganiselo yokuthengisa evela kwitetimenti engenayo ekulindelekileyo. Inkcitho yenkcitho okanye ukuphuma kwemali kubalwa ngokufanayo. Ukwahlula phakathi kwabo kukungena kwemali . Umnini-shishini kufuneka athatyathelwe ukuba ngaba akavumelekanga ukuba abathengi bahlawule ngekhredithi kunye neakhawunti xa bebala imali yokungena xa befumana.
Ngenyanga nganye, umnini-shishini-omncinci uya kubala ukuba ngaba kukho imali eyaneleyo yokuhlangabezana nokulinganisela kwemali emfutshane kunye neemfuno zemali zeenkampani zenyanga. Ukuba akunjalo, umnini uya kuboleka. Ukuba kukho imali engaphezulu kwemali, umnini unakho ukuhlawula imali mboleko yangaphambili. Ngalo ndlela, umnini-shishini unokugcina isigxina esihle kwi-cash position ye-firm.
Iphepha le-Pro Forma Balance
Emva kokuphuhlisa isitatimenti sengeniso seprojekthi kunye nebhajethi yemali, umnini-shishini-mncinci unalo lonke ulwazi oluyimfuneko ukuphuhlisa ifom ye-balance form.
Isalathisi seprogram yesalathisi sibonisa utshintsho olwenziwe kwiqumrhu emva kwexesha.
Umnini ufuna kwakhona ulwazi ukusuka kwiphepha le-balance sheet lonyaka. Isixa somhlathi ngamnye kwisalathisi sinokufumaneka kwenye yale maxwebhu amathathu. Ezinye ze-akhawunti kwi-balance, mhlawumbi ityala lexesha elide kunye / okanye i-stock efanayo, iya kuhlala ingatshintshi.
Ukuba iimpahla zenkampani zikhuphuka kwixesha elidlulileyo, umnini-mveliso kufuneka abhekise kwicala elijongene nesalathisi kwaye afumane apho ukunyuka kunamatyala okuxhasa ukunyuka kwamaxabiso. Yiyo kuphela enye imeko enokwenzeka ngayo kumnini-shishini.