Ungayikhetha kanjani imali mboleko yebhizinisi elincane
Noma yiliphi ibhizinisi ngezigaba ezihlukene zentuthuko lidinga ukutshalwa kwemali okwengeziwe. Ngaphambi kokufaka isicelo semalimboleko ebhange, usomabhizinisi ngamunye kufanele asilinganise kahle lesi sinqumo futhi ahlaziye amandla akhe okubuyisa imali ayicelile.
Ukukhetha umkhiqizo omuhle wemalimboleko
Amabhange ahlinzeka osomabhizinisi ngemalimboleko ejwayelekile, imali ebolekwayo yezentengiselwano, imigqa yesikweletu, amakhadi esikweletu ajikelezayo, okweqile kwemali ekhokhwayo, noma imali ebolekwayo eguqukayo. Ngokuya ngomkhakha womsebenzi kanye nenhloso yokubolekisa, ungakhetha imali mboleko yebhizinisi ekhethekile yamabhizinisi emkhakheni wezohwebo, izinsizakalo, ezolimo. Lapho ukhetha umkhiqizo wemalimboleko, udinga ukunaka isikhathi sonyaka kanye nezinto ezihlukile zebhizinisi, ngoba amabhange ngawodwana asondela ekwakhiweni kohlelo lokukhokha nokunikezwa kwe- "amaholide esikweletu".
Ukukhetha isikhathi esifanele semalimboleko
Uma inhloso yokuboleka kungukugcwalisa izimali zokusebenza zebhizinisi elincane, khona-ke isikhathi semalimboleko asidluli unyaka owodwa, noma isikhathi somjikelezo webhizinisi elilodwa lenkampani. Lapho uthenga izimpahla ezingaguquki: ezokuthutha nemishini, isikhathi semalimboleko asikwazi ukudlula isikhathi sokusebenza nesikhathi sokubuyisela - iminyaka engu-1-5. Uma umgomo utshala imali, wethula iphrojekthi entsha futhi uthenga izindlu, isikhathi sokuboleka siyiminyaka engu-5-7.
Ukuhlolwa kwenani lemalimboleko elidingekayo
Isicelo semalimboleko kufanele singavunyelwa nje kuphela ngesifiso sokuthola imali ebolekiwe, kodwa ngohlelo lwebhizinisi lokuqalisa iphrojekthi, edinga ukuxhaswa. Ungayikhipha nakuwebhusayithi yebhange. Usomabhizinisi kufanele abale ubungozi obungaba khona bokuqhubeka kwemisebenzi yebhizinisi, acabangele izibopho eziceliwe, futhi aphakamise izindlela zokunciphisa lezi zingozi. Ibhizinisi kufanele likhokhe izinkokhelo zemalimboleko ezibophezelekile ngenzuzo yenzuzo, ngaphandle kokukhipha imali yamahhala etholakala enkampanini.
Imibandela yokunikeza ababolekisi ngamalimboleko
Ubunikazi bomboleki
Lapho uboleka osomabhizinisi abangabodwana, enye yezindlela ezibalulekile okumele zihlolwe ngumbolekisi ubunikazi bomboleki, ngoba ubhekele imisebenzi yenkampani kanye nezinqumo zabaphathi ezithathiwe. Ukuchuma kwesikhathi esizayo kwenkampani kuncike ekutheni ukuqonda kwakhe kangakanani imininingwane yebhizinisi lakhe, nokuthi luyini ulwazi lwakhe lwebhizinisi.
Izeluleko eziwusizo. Ngaphambi kokuya ebhange, kufanele ulungiselele kancane. Ibhange elibolekisayo alihlolisisi kuphela idumela lebhizinisi nomlando wesikweletu webhizinisi, kepha futhi nolwazi lwalo somabhizinisi lokuboleka njengomuntu ngamunye.
Ukuphepha
Ibhizinisi kufanele linikeze iziqinisekiso ezingeziwe zokukhokhwa kwemali mboleko. Okulandelayo kusebenza njengokuvikeleka:
- izimpahla eziletha imali kusomabhizinisi, etholwe ngemali etholakele yemalimboleko,
- umshuwalense kasomabhizinisi nempahla yakhe,
- isibambiso sabalingani bebhizinisi, amalungu omndeni, abantu obajwayele ngabanye nezinhlangano zomthetho.
Njengeziqinisekiso ezengeziwe zokubuya, amanye amabhange anikeza ababoleki ukwenza isivumelwano esengeziwe esivumelwaneni se-akhawunti yasebhange, esithola ukugeleza kwemali okuyinhloko kusuka emisebenzini ye-IP.
Ngokwalesi sivumelwano, ibhange lingahlangani, uma iklayenti lephula imigomo yesivumelwano, lingasula inani elihambisanayo lesikweletu esidlulelwe yisikhathi, ngaphandle kokwazisa obolekayo. Leli lungelo lokusula ngqo lisetshenziswa ngabaphathi bezentela lapho beqeda ukukhokha intela nemali ekhokhwa sekwephuzile kwi-akhawunti yomboleki.
Ukwenza izinto obala kwezebhizinisi nokuba semthethweni
Ukuhlanzeka kwesimo sezezimali sikasomabhizinisi kanye ne-accounting enekhono kukhulisa amathuba okuvuma isicelo semalimboleko yebhizinisi. Izinhlelo ze "Grey" zebhizinisi kanye nokubalekela intela kungaba yizizathu zokwenqaba, ngoba azivumeli ukuhlola isimo sangempela sezinga kanye nezinga elisemthethweni lemali engenayo yenkampani. Akumangalisi, ngoba ibhange alikhokhi ukuthengwa kwefenisha yasekhishini noma izinto ezincane zasendlini.
Uma usukulungele ukuthola imalimboleko ngezimo ezithile futhi ulingana nemibandela eyinhloko yebhange, kwanele ukuxhumana nenhlangano yezezimali neyezikweletu ngephakethe eligcwele lemibhalo eqinisekisa ilungelo lokuqhuba ibhizinisi futhi ugcwalise isicelo semali edingekayo. Ngemuva kwalokho, isikhulu semalimboleko sizovakashela indawo yakho yebhizinisi futhi sihlole isimo sezinto ebhizinisini ukuze senze isinqumo sokugcina ngesicelo.
Ibhange linikeza amaklayenti alo imibandela yezikweletu engcono kakhulu, ngakho-ke, okokuqala, kufanelekile ukuxhumana nebhange lapho kuvulwa khona i-akhawunti yosomabhizinisi. Ibhange liyakwazisa ukwethembeka okunjalo futhi lizokhombisa ukuzethemba kumakhasimende alo ajwayelekile ngokunikeza amagama aguquguqukayo nezinga lenzalo eliphansi emalimboleko.