Isicwangciso socwangciso seshishini soshishino libala ngemisebenzi eyenziwe yenkampani iminyaka emihlanu kwixesha elizayo. Uhlahlo lwabiwo-mali alucwangciswanga ngokubanzi malunga nobude bexesha. Ngokubanzi, uhlahlo lwabiwo-mali lucwangciswa unyaka omnye.
Iifisi zinokubikezela iibhajethi ngakumbi kwixesha elizayo ukuba zizama ukuboleka imali yebhanki okanye enye indlela yokuxhaswa ngemali, kodwa ngenxa yezizathu ezifanelekileyo, uhlahlo lwabiwo-mali lunokuthi luchaneke ngokuchanekileyo kunyaka owodwa. Ulwabiwo-mali lwemali lubonakalisa iinjongo zenkampani ezixhomekeke kwisicwangciso sesicwangciso senkampani. Baphinde babonise isicwangciso soshishino senkampani, ngokukodwa isicwangciso sesenzo soshishino.
Iyintoni injongo yeBhajethi yeMali
Uhlahlo lwabiwo-mali luyakunceda iqumrhu ekucwangceni nasekulawuleni malunga nokungena kwayo kunye nokuphuma kwemali kunye nesimo sayo semali sonke. Xa kuthelekiswa, uhlahlo lwabiwo-mali luchaza imisebenzi eyenza imali engenayo yenkampani. Uhlahlo lwabiwo-mali luhlala lukulungele kuqala ngenxa yokuba imisebenzi eninzi yezimali ayiyaziwa kwada kwaziwa uhlahlo lwabiwo-mali oluhlukeneyo. Ngokomzekelo, uhlahlo lwabiwo-mali kunye nohlahlo lwabiwo - mali kufuneka luziwe phambi kokuba uhlahlo lwabiwo-mali lungalungiswa.
Nasi uhlahlo lwabiwo mali lwebhedlele. Inika umzekelo wendlela uhlahlo lwabiwo-mali olubi ngayo. Olu luhlahlo lwabiwo-mali luquka ubhajethi osebenzayo nangona kufuneka luhluke.
Uhlahlo lwabiwo-mali?
Uza kubona ezininzi iibhajethi zezimali eziza kubhajethi kuphela kwingxelo yengeniso. Nangona iindleko zenzalo zivela kwi-budget-mali, awuyi nje uhlahlo lwabiwo-mali kwi-statement engenayo.
Ukwahlahlo-lwabiwo mali. Ukuba uhlahlo lwabiwo-mali, unokubona iimfuno zakho zokuhamba kwemali yakho yonke yakho. Ukuba uhlahlo-mali kuphela kwingxelo yengeniso, awuyi kuthatha nayiphi na inkcitho enokufuneka uyiqwalasele njengento yokuthenga izityalo ezintsha kunye / okanye izixhobo. Ukuba uthenge ixabiso lempahla entsha, kufuneka kwakhona uhlahlo lwabiwo-mali lwenkonzo yamatyala kulezo zixhobo.
Amacandelo eBhajethi yeMali
Kukho amacandelo amathathu kuhlahlo lwabiwo-mali:
- Uhlahlo lwabiwo-mali : Lo mzekelo ubonisa uhlahlo lwabiwo-mali oluqhelekileyo ngokungena, ukuphuma, kunye nokuhamba kwemali. Iifom zoshishino zingabonisa inzuzo kodwa zingaphumeleli ngenxa yexesha lokuhamba kwemali. Amashishini amancinci kakhulu adingeka ukuhlawula imali kubathengi bawo kodwa athengise abathengi abo ngekhredithi. Ngenxa yoko, bahlala beqhuba ingxaki yokuhamba kwemali. Ukuphuhlisa ibhajethi yemali njengoko ufumene kule mzekelo yindlela efanelekileyo yokugcina umkhondo wakho wokuhamba kwemali kwaye uyazi ukuba unokuhlala kumkhondo. Abanikazi bamashishini kunye nabaphathi bezemali kufuneka bahlale bekhumbula ukuba uhlahlo lwabiwo-mali aluyinkqubo ekhoyo kodwa kunenkqubo enamandla. Xa ulwazi malunga neenkqubo zezimali zenkampani ziguquka, kufuneka zivele ngokukhawuleza kwibhajethi yemali. Amafestile amaninzi asebenzisa uhlahlo lwabiwo mali. Abanye bafumene kuncedo ukusebenzisa iibhajethi zemali zangeveki kunye nabanye baze bahambe kunye nebhajethi yemali yemihla ngemihla.
- Ishicilelo seBhalance Budget: I-balance sheet ibhajethi ngumkhiqizo wezinye iibhasjethi kwinkqubo yohlahlo lwabiwo-mali; ngokukodwa, uhlahlo lwabiwo-mali kunye nemali ehambelana nayo.
- Uhlahlo lwabiwo-mali Iimali : Abaphathi bezemali okanye abanini-shishini kufuneka bathathe isigqibo, ngezikhathi ezithile, nokuba bathathe indawo yezityalo kunye nezixhobo okanye ukuba bathenge izityalo ezintsha kunye nezixhobo zokukhula. Ezi zibizwa ngokuba yinkcitho-mali. Ukuthengwa kweempahla eziyinkunzi kufuna ukuxubusha ngokukhethekileyo kuba kukuthengwa okukhulu, ukubiza imali eninzi, nokuhlala iminyaka emininzi. Iingxaki ezinjengexabiso lexesha lemali kunye nokuhla kwexabiso kufuneka kuthathelwe ingqwalasela xa kuqwalaselwa ukuba okanye ungathengi impahla yexabiso. Ngokuqhelekileyo, iifemu zoshishino zinomsebenzi-mali ohlahlo lwabiwo-mali olwenziwe kule njongo.