Iingxowa-mali zenkonzo zisebenza njani kwiimali-mboleko zoshishino
Iyintoni iNkonzo yeMatyala?
Inkonzo yematyala ngumlinganiselo wemali efunekayo kwixesha lokuhlawula amatyala. Iquka ukuhlawula:
- nqununu kunye nomdla
- kunye nokuqeshisa iintlawulo (kwizithuthi zoshishino, umzekelo)
Le mali ibalwa ngokubaluleka kunyaka.
Makhe sithi ukhangele i-$ 100,000 ukunyuka kwithuba elikhulu. Inzala ye-6% kwiminyaka eyi-10, iintlawulo zenyanga zi-$ 1110.21, okanye i-$ 13,322.52 ngonyaka. Yiyo inkonzo yakho yamatyala kunyaka.
Ibhanki iya kukubuza ukuba ibhizinisi lakho liyakwazi njani ukufumana ingeniso eyaneleyo yokwenza ezo ntlawulo zenyanga, ukuba uza kunceda njani ityala.
INkonzo yeMatyala njengeNkqakanyo ebalulekileyo kwiNkcitho yeMashishini
Inkonzo yamatyala ngowenye ye- 4 C yeNtengiso yeNtengiso (inkunzi, ibhondi, amandla kunye nomlinganiso.) Iinkonzo zamatyala zimela amandla okubuyisela imali mboleko. .
Umboleki uya kuboleka imali kwishishini lakho ukuba benelindelekile ukuba umboleko uya kuhlawulwa. Esinye seziganeko ezibuyiselwayo kubuyiselwa ngetyala langoku liqhutyelwa ngumboleki. Ewe, ishishini lakho lokuthenga ngetyala liya kubonisa oku, kodwa ababolekisi baye bafumana inkonzo yenkohlakalo ukuba ibe yinkqubo ethembekileyo yokubuyisela imali.
Yiyiphi i-Ratio yeNkonzo yeMatyala?
Njengoko kuphawuliwe ngasentla, umbuzo oyintloko nawuphi na umboleki ufuna ukwazi: "Ngaba le nyala entsha iya kukubeka (umbolekayo) kwindawo yokuzihlawula ukuhlawula amatyala akhoyo kunye nale matyala amatsha?"
Akwanele ukwazi inani lemali efuna ukuhlawulwa ngaphaya kwexesha lonyaka. Kwakhona kubalulekile ukwazi ukuba ingeniso engakanani imali engayisebenzisela ukuhlawula loo matyala.
Nanku ukubalwa kweeNkonzo zoTyala lweeTyala:
Ukwahlula umvuzo womsebenzi womnxeba wonyaka ngomyinge wetyala elipheleleyo elihlawulwayo (e-serviced) ngaloo nyaka.
Imali engenayo yomsebenzi isetyenzisiweyo kuba le mali ingeniso evela kwimveliso yonyaka kunye neenkonzo, kodwa kungekhona kwimithombo eyongeziweyo njengeniso-mali.
Ngokomzekelo: Ibhizinisi linemali ebolekileyo yemali epheleleyo (kunye nenqununu kunye nomdla) i-$ 100,000, kunye nokuqeshisa imoto yezoshishino eneentlawulo zonyaka eziyi-8,000. Oko kuzalisa i-$ 108,000 kwiinkonzo zetyala.
Kunyaka ophelileyo, ishishini linemali engenayo yemali eyi-156,000. Uhlula i-$ 156,000 ngama-108,000 kwi-intengo yenkonzo yematyala ye-1.44%.
Umlinganiselo we-1 ukuya ku-1 uyingcipheko. Kuthetha ukuba yonke inzuzo yomnatha wonyaka ngamnye kuya kufuneka isetshenziswe ukuhlawula ityala elikhoyo. Umlinganiselo we-.8 ukuya ku-1 uthetha ukuba kuphela i-80% yesikweletu esele sikhokhelwa kwiholo lomvuzo.
Inkonzo Yomatyala Isebenza njani kwiNkampani entsha?
Ekubeni ishishini elitsha alikho irekhodi lomzila wenzuzo engenayo, kunenkathazo enkulu ekukhombiseni umboleki ukuba unakho ukuhlawula ityala layo. Amashishini amatsha mhlawumbi aya kufumana iimboleko zendabuko kwaye kufuneka afune iindlela zokuxhasa imali kuze kube yilapho bengabonisa imali engenayo yokunciphisa inkonzo yetyala.
Inkonzo yeMatyala NjengeNkoqobo Ukujonga kwiindleko
Amabhanki kunye nabanye ababolekisi bakhetha ukuba uluhlu lweenkonzo zetyala ngokwahlukileyo kwiNgxelo yakho yeNgeniso (P & L). Inkonzo yematyala ithathwa njengendleko ekhoyo kwishishini lakho. Ukubeka inkonzo yeetyala njengendleko ibonisa indlela eyongezelela ngayo ezinye iindleko xa kuthelekiswa nomvuzo wakho ishishini liya kufumana inyanga nganye.
Nangona inkonzo yenkundla ityala ingaba yinxalenye enkulu yeendleko zeshishini lakho, akuyena kuphela. Kulo mzekelo ungentla, inzuzo engenayo yomsebenzi kufuneka ihlawule zonke iindleko zeshishini lakho, kungekhona nje iintlawulo zenyanga kwireti lakho. Jonga kule ntetho kubandakanywa nenkonzo yematyala ukwenza inkcazelo yangempela phambi kokuba uthathe isicelo sakho semboleko kwibhanki.
Inkonzo yeMatyala kunye neNtlawulo Yakho Yoshishino
Ngenjongo yerhafu yengeniso, inzala kwimali-mboleko yezoshishino (kunye neentlawulo zeenqununu ezithile) ithathwa njengendleko yezoshishino ezithintekayo, ngelixa inqununu ayikho.