Ukuboleka kosomabhizinisi ngabanye - imibandela nezizathu zokwenqaba imali mboleko

Kunzima kakhulu kusomabhizinisi ngamunye hhayi ukuthola imali mboleko yebhizinisi kuphela, kepha nokusebenzisa imali mboleko ejwayelekile yomthengi. Kunezizathu eziningi zokuthi kungani amabhange engafuni ukwamukela izicelo zamabhizinisi amancane. Ake sibone ukuthi kungani osomabhizinisi ngabanye benganikeli ngemalimboleko.

Izizathu zokwenqaba usomabhizinisi ngamunye emalimboleko

Abanye osomabhizinisi abahlangabezani nezidingo zamabhange zababolekisi bezinkampani:

• Impilo yebhizinisi... Umsebenzi kufanele wenziwe okungenani izinyanga eziyisithupha. Cishe akunakwenzeka ngosomabhizinisi abangabaqalayo ukuthi bathole imalimboleko. Amanye amabhange aqinise le mfuneko futhi amukela kuphela izicelo ezivela kosomabhizinisi abangaphezu kweminyaka engu-1-3 ubudala.
• Ukwenza izinto obala kwezebhizinisi... Ngenxa yesifiso sokufihla ingxenye yemisebenzi yabo kanye nemali engenayo evela kuhulumeni, osomabhizinisi bavame ukwenza ukugcinwa kwamabhuku "kabili", kungakhombisi ukuhamba kwemali kwezebhizinisi. Imfihlo isithinta kabi isimo sezimali senkampani ngokusho kwedatha yokubika neminye imibhalo amabhange ayisebenzisayo ukwenza isinqumo ngesicelo.
• Izinga lemali engenayo... Ngesizathu esifanayo, osomabhizinisi abahambisa izimemezelo "zero" ukuze banciphise umthwalo wentela bayenqatshwa. Ibhange likuthatha njengobumbano olwanele lapho izibopho eziceliwe zenziwa ngenzuzo yenzuzo, ngaphandle kokukhipha imali ekusakazweni.
• Ukuntuleka kwesibambiso soketshezi... Omunye usomabhizinisi ngamunye angasebenza njengesiqinisekiso sikasomabhizinisi, kepha kuthiwani uma naye engakwazi ukufakazela imali engenayo? Osomabhizinisi bavamise ukwenza amafa enza inzuzo kubantu - izihlobo nabangane, bathenge izimoto nezinto zokusebenza ezandleni zabo ngaphandle kwemibhalo efanelekile. Ngakho-ke, lapho kukhethwa isibambiso esifanele, ibhange libhekene nobunzima bokuthola impahla engamanzi enezincwadi zamatayitela.
• Umlando omuhle wesikweletu... Ungawuthola kanjani umlando wesikweletu uma kunzima kakhulu ukuthola imali mboleko? Amanye amabhange abheka isipiliyoni sokubolekwa kwebhizinisi kanye nokubolekwa komuntu uqobo kukasomabhizinisi uqobo.

Izizathu ezingenhla zokwenqaba ukuboleka zihlobene nosomabhizinisi ngamunye othola imali mboleko yezidingo zomthengi. Ibhizinisi elincane liwumsebenzi onobungozi futhi ongazinzile, ngakho-ke kunzima ukubheka umholo wosomabhizinisi njengowenzeka njalo nokwenza izibikezelo. Lokhu kungumphumela wokwenqaba ukunikeza imali mboleko kubantu ababandakanyeka emisebenzini yezamabhizinisi.

Izimo zokubolekiswa kosomabhizinisi ngabanye

Uma usomabhizinisi evula wonke amakhadi futhi ekhombisa ukubala okusobala nokubika, ngokuya ngokuthi kunenzuzo eyanele ukukhokha izibopho, ibhange linganikeza inani elidingekayo.

Banikela ngokuzithandela ngezinhloso zokutshala imali: ukuthengwa kwezezakhiwo, imishini, izimoto ezintsha nemishini. Impahla etholwe ngezimali zemalimboleko kuthenjiswa njengesibambiso semalimboleko.

Amanani emalimboleko enjalo yebhizinisi ayi-15-28% ngonyaka, imigomo ifinyelela eminyakeni engu-3-7. Uma inhloso yokubolekiswa kungukugcwaliswa kwemali yokusebenza nokuthengwa kwenqwaba yezimpahla elandelayo, isilinganiso sikhuphukela ku-22-39% ngonyaka.

Ngaphandle kokuhluleka, usomabhizinisi kuzodingeka ukuthi aphothule inqubomgomo yomshuwalense wempilo yomuntu siqu kanye nomshuwalense wezempilo, umshwalense wempahla yezimpahla nesihloko sesithembiso. Uma unomshado obhaliswe ngokusemthethweni, udinga ukuvikela isibambiso somlingani womboleki.

Izimalimboleko zabathengi zosomabhizinisi ngabanye zingatholakala ngezinga eliphansi ngokuheha amalungu omndeni noma abaqinisekisi - abantu obajwayele abaqashwe ngokusemthethweni njengababambisene nabo. Amanani emalimboleko yemali asezingeni elingu-15-25%. Inani lingaba ama-ruble ayizigidi eziningana, imigomo ifinyelela eminyakeni engu-5-7. Imvamisa kuba nenzuzo enkulu kosomabhizinisi ukuthatha imalimboleko ejwayelekile yezidingo eziphuthumayo zabantu ngabanye futhi batshale le mali ebhizinisini. Ngemuva kwalokho kuhlala kukhokha imali mboleko ngokushesha.

Inketho enhle kakhulu yosomabhizinisi ngamunye kungaba ukuxhumana nebhange lapho kuvulwa khona ama-akhawunti amanje. Ukwazi inzuzo kwi-akhawunti yenkampani, ibhange lingenza isinqumo esihle futhi linikeze ngemalimboleko ngokwemibandela ekhethiwe yomuntu ngamunye. Abaphathi bemalimboleko bazokweluleka ngohlobo lwemalimboleko kusomabhizinisi futhi banikeze nohlu lwezinto ezingabanjiswa kanye nemibhalo yokwehlisa izinga nokukhokhwa ngokweqile.