Bonke abathengisi baneemali ebekwe bucala ukuze bancede ukukhuthaza ukuthengiswa kweemveliso zayo kwiivenkile zokuthengisa. Le mali ngokuqhelekileyo ihluka ukusuka kwi-1 ukuya ku-3% yokuthengwa kweevenkile. Abathengisi abaninzi banciphisa okanye bathabatha inani lemali abazimisele ukuyithengisa kumthengisi ngokuthengiswa kweYTD kumthengisi.
Ngoko ke, xa uthenga ngakumbi, ngaphezulu kwezi mali ufikelela nazo. Ngokuqhelekileyo ibizwa ngokuba yimali-co-op, ezi mali zihlala ziyingxenye yesicwangciso somthengisi - kodwa ahlala esichazela ngaso ngaso sonke isikhathi.
Kwelinye, abathengisi bangasindisa le mali kwiakhawunti zabo ezinkulu njengendlela yokukhuthaza ukuthengwa kwezinto zokuthengisa. Kwamanye amaxesha, umthengisi usebenzisa iimali zokubeka intengiso kwiimarike eziqhelekileyo ukwenzela ukwazisa nge-brand. Nangona le ntengiso inokukunceda ekubeni umthengi uvumelekile ukuthenga umkhiqizo ukuba baye bakuva ngetekisi ngaphambili, akusikho impembelelo ngqo kwiintengiso zakho.
Ukusetyenziswa okusemgangathweni kweemali-co-op kukukhuthaza ukuthengiswa kwemveliso yomthengisi kwisitolo sakho. Ngokomzekelo, abathengisi babonise iintengiso kwiibhodi zebhilidi okanye amabhendi okanye iibhentshi ezibhekiselele kwisibhengezo (ngamanye amaxesha zibizwa ngokuba yimingxuma ye-donut) ukuba ufake ulwazi lwakho lwevenkile njengedilesi, inombolo yefowuni, iwebhusayithi, njl.
Ezi ntengiso zikhululekile kuwe-zithetha ukuba iindleko zokudala isikhangiso sele zihlawulwe. Naliphi na indawo oqhuba ngayo isikhangiso kwi ( ROP , ngaphandle, njl.) Lowo mboneleli uya kuvuya ngokufakela ulwazi lwakho lwesitoregi kwisichazi-mfanekiso esivela kuso kumthengisi mahhala. Emva koko, bafumana imali yakho ukuhlawula ukubekwa.
Kodwa ukusetyenziswa ngokugqithiseleyo kwemali-co-op kukufumana umthengisi ukuba ahlawule ukufakwa kwesibhengezo. Cinga ngako ngale ndlela, ukuba uthengisa i-20k yeemveliso ezivela kumthengisi, mhlawumbi banakho imali engama-200 ukukunceda ukuthengisa. Buza ukuba bahlawule i-ad ad placement kwimveliso yabo ngaloo mali. Amaxesha amaninzi, unokwenza ikhathalogu yabathengisi unikezela ngamnye iphepha layo kwaye emva koko uzihlawule ukuba zisencwadini (usebenzisa i-co-op funds). Ndaphumelela kakhulu ngale ndlela kwaye yaphakamisa uphawu lobuncwane kuba ndifumene imifanekiso esemgangathweni kunye neentengiso ezivela kubathengisi - imifanekiso engenakukwazi ukuyenza yedwa.
Elinye igama lokulumkisa, abathengisi abaninzi baya kusebenzisa i-co-op yakho imali ukuze kukunike iirhafu eziphazamisayo ukuze uhlalutye . Okokuqala, kufuneka batshintshe loo mveliso, kodwa qaphela ukuba ufuna uncedo lokuthengisa kunye nokunika imali kwi-invoyisi yakho elandelayo njengendlela yokuhlawula umatshini wokuthengisa. Oku kulungile, kodwa qiniseka ukuba ayikuphuma kwii-co-op zezimali. Isicwangciso esingcono senzathelo apha kukufumana imvume yokubuyisela (RA) evela kumthengisi kwaye usebenzise loo ngxowa-mali ukuthenga i-inventory engcono.
Inyaniso kukuba kubaninzi abathengisi abancinci, abathengisi abalokothi bathethe izixhobo ezifana ne-co-op okanye imali yokumakisha okanye ukubuyiswa kwempahla ekuncedeni ukuthengisa iimpahla zabo.
Ngaba ungawagxeka? Kuthetha ukuba umthengisi wenza imali encinci. Kuye kuwe ukuba usebenze ekufikeleleni kwezixhobo zokuthengisa njengemali-co-op ukukunceda ukugcina. Buza umthengisi wakho malunga nalo. Unayo. Bangakuxelela ukuba kufuneka ukwandise ukuthenga kwakho ukufikelela kuwo, kodwa ukuba uvavanya i-inventory yakho ngokuchanekileyo. ezininzi iimveliso ezivela kumthengisi onokufumana imali ephezulu kunokuba ngumgaqo ofanelekileyo. Ngamanye amagama, bayeke ukuthenga kubantu abangenakukunceda nokuqala ukuthenga kwabo bafuna.