Ungamtholaphi futhi kanjani umtshalizimali - imiyalo yesinyathelo ngesinyathelo yokuthola abatshalizimali ukuqala ibhizinisi kusuka ekuqaleni + Izinketho ze-TOP-6 zokuheha izimali

Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Ukuqhubeka nesihloko sokutshala imali, sizobheka izingqinamba zokuthola ukutshalwa kwezimali kwebhizinisi, okuwukuthi, ungamtholaphi nokuthi kanjani umtshali-zimali ukuze aqale ibhizinisi kusukela ekuqaleni, okufanele akwenze ukuze avume ukuxhasa ngemali iphrojekthi yebhizinisi, njalonjalo.

Ngendlela, ubonile ukuthi idola selivele libiza malini? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Kulesi sihloko, sizobhala:

• Yini abatshalizimali abayisebenzisayo nokuthi bangaheha kanjani ngokufanele ukuqala ibhizinisi;
• Yiziphi izinyathelo okufanele zithathwe ukuthola umtshalizimali kusukela ekuqaleni;
• Yimiphi imithetho okufanele ilandelwe kwinqubo yokuthola umtshalizimali;
• Ngingaxhumana nobani ukuze ngithole usizo lokuthola abatshalizimali.

Ekupheleni kokuthunyelwe, uzothola nezimpendulo zemibuzo ebuzwa njalo.

I-athikili izoba wusizo kuwo wonke umuntu: njengosomabhizinisi abasha, nalabo asebenazo isipiliyoni ekuthuthukiseni ibhizinisi lakho... Futhi, i-athikili izonxenxa labo abanentshisekelo ngombono wezezimali nokutshalwa kwezimali.

Ukuthola imininingwane ewusizo ngokuheha abatshalizimali, funda indatshana yethu kuze kube sekugcineni.

Lapho futhi ungamthola kanjani umtshali zimali ukuze aqale ibhizinisi, yini okufanele uyibheke lapho ufuna abatshalizimali bebhizinisi elincane kusuka ekuqaleni - uzofunda ngakho konke lokhu nokuningi ku-athikili.

1. Bafuna umtshalizimali ngamuphi futhi ngasiphi isizathu 💰

Akunandaba ukuthi hlobo luni lomsebenzi, ibhizinisi lidinga imali. Uma ungakhulisi imali, noma iphrojekthi enhle kakhulu ongayithuthukisa ngeke... Lokhu kusongela ukuthi ibhizinisi lishabalale ngesikhathi sokuhlela.

Kufanele kuqondwe ukuthi ukuze kuthuthukiswe ngempumelelo ezamabhizinisi, kubalulekile ukuthi ungaphuthelwa umzuzu. Ngakho-ke, osomabhizinisi, njengomthetho, abanalo ithuba lokonga imali. Kukhona ubungozi obukhulu bokuthi yize kungenzeka ukuqoqa inani elidingekayo, umzuzu uzophuthelwa, futhi imakethe ezobhekana nayo ihlaselwe izimbangi ezisheshayo nezinamandla.

Ngesikhathi esifanayo, osomabhizinisi abasafufusa akumele babe namahloni ngokuthi imali yabo ayanele. Ngisho nezinkampani ezinkulu eziphumelelayo, lapho ziqala imisebenzi yazo, bezisebenzisa imali ebolekiwe.

Izinkampani ezisencane ezinamathemba entuthuko ephumelelayo imvamisa uzizwa uswele imali... Ngasikhathi sinye, banenani elikhulu lemibono edinga ukwenziwa "Lapha futhi manje».

Kuze kube manje ukuthola abatshalizimali sekube lula kakhulu: ngale njongo, a inani elikhulu lezimali nezinkampaniabavuma ukudlulisela izimali zabo kosomabhizinisi abasafufusa.

Kepha kufanele kuqondwe ukuthi akuwona wonke umuntu ongathola izimali ezikhwameni. Okokuqala, usomabhizinisi uzodinga ukukholisa abatshalizimali ukuthi batshale imali kuphrojekthi yakhe. Lokhu kuzodinga hhayi kuphela ukudweba uhlelo lwebhizinisi, kodwa futhi nokufakazela ukuthi iphrojekthi ethile yebhizinisi inesithakazelo kunaleyo yalabo abancintisana nabo, futhi futhi inamathemba angcono.

Iningi labatshalizimali abangochwepheshe banolwazi olunzulu lokutshala imali. Ngakho-ke, bakhomba kalula lawo maphrojekthi okungcono ukutshala imali kuwo ukukhulisa inzuzo.

Osomabhizinisi kumele bakhumbule ukuthi kanjani izisekelofuthi abatshalizimali abazimele unganikeli ngemali ekusizeni. Kusukela kumaphrojekthi abatshala imali, balindele ukubuya okuphezulu nokusheshayo.

Ngakho-ke, noma imuphi umthombo wezimali zokutshala imali, noma ngabe amabhange, izisekelo noma ezinye izinkampani ungakhiphi izimali ngaphandle kwesiqinisekiso esidingekayo. Yebo, ungazama ukuthola isibonelelo. Kodwa-ke, izinkampani ezibakhiphayo ziqinile nakakhulu ekukhetheni abafakizicelo.

Yini okufanele uyibheke lapho uheha abatshalizimali

2. Ungaheha kanjani abatshalizimali - izimo ezidingekayo 📋

Inhloso yanoma yimuphi umtshalizimali ukukhulisa imali ayitholayo. Iningi labo liyazi ukuthi imali etholwa ngamadiphozithi asebhange ayimbozi izinga lokwehla kwamandla emali. Ngakho-ke, ukutshalwa kwezimali okunjalo zimali ngokuphelele anganeliseki.

Abatshalizimali balwela ukuthola imali engenayo engeke ivimbe kuphela ukunyuka kwamanani, kodwa futhi iqinisekise impilo enethezekile.

Konke lokhu kuchaza ukuthi kungani labo abanemali enkulu babheka izinkampani ezinjalo ukuthi zizotshala kuzo, ezizokwazi ukubanikeza imali engenayo eyanele.

Osomabhizinisi abathandekayo, abaqala ukufuna ongaba ngumtshalizimali, kufanele bambone hhayi njengomkweletunjengomlingani. Kuvela ukuthi usomabhizinisi utshala umbono wakhe kuphrojekthi ethile, kanti umtshalizimali utshala imali yakhe. Ngakho-ke, isivumelwano esinjalo kufanele sizuzise izinhlangothi zombili.

Ochwepheshe abaningi bayavuma lokho cinga abatshalizimali - umsebenzi awunzima kangako. Into esemqoka lapha ilungile wethule umbono wakho... Uzodinga futhi ukukholisa umnikazi wezimali ukuthi ukutshala imali kuphrojekthi kuzothembisa impela futhi kuzoletha imali ebonakalayo.

Ukutshela umtshali-zimali ngale phrojekthi, lezi zihloko ezilandelayo kufanele zimbozwe ngokugcwele ngangokunokwenzeka:

• ukwehluka nokubaluleka komkhiqizo / isevisi enikelwe ukukhiqizwa;
• inani lotshalo-mali oludingekayo;
• kuhlelwe ngasiphi isikhathi ukubuyisa utshalomali;
• izinga elilindelekile lenzuzo;
• siyini isiqinisekiso sokubuyiselwa ekutshalweni kwemali.

Uma usomabhizinisi echaza kahle ngayinye yalezi zinkinga, amathuba okukholisa umtshali-zimali ukuthi iphrojekthi ingaletha inzuzo enhle azonyuka kakhulu. Ngenxa yalokho, umtshali-zimali uzothatha isinqumo ngokwabiwa kwezimali zakhe.

3. Ungamthola kanjani umtshalizimali kusukela ekuqaleni - umhlahlandlela wesinyathelo nesinyathelo wokuthola umtshalizimali webhizinisi 📝

Lapho ufuna umtshali-zimali, kubalulekile ukuthi wenze ngokungaguquguquki ngokuya ngezincomo ezenziwa ochwepheshe. Ngale ndlela uzokwazi ukuthola impumelelo ngokushesha ekutholeni abatshalizimali.

Enqubweni yokuthola imithombo yotshalo-mali, kubalulekile ukubheka izintshisekelo zomnikazi wezimali. Kubalulekile ukuqonda ukuthi abatshalizimali baqondiswa izintshisekelo zabo kwezohwebo lapho benza ukutshala imali.

Abatshalizimali abangaba khona anginantshisekeloukuthi umsebenzi uzoba misha kangakanani, nokuthi uzoletha inzuzo yini kumnikazi webhizinisi. Bakhathazekile ngokwanda, kanye nokuphepha kwenhlokodolobha yabo.

Abanye abatshalizimali akubalulekile imibono yebhizinisi, njengoba befuna imali engenayo, bekhathele ukuthuthukiswa kwebhizinisi okusebenzayo. Sebevele bekwazile ukuthola imali yabo yokuqala ngokusebenza kanzima. Manje okuwukuphela kwesifiso sabatshalizimali abanjalo ukuthi imali ibe nenzuzo ngaphandle kokwenza noma yini.

Ngasikhathi sinye, bafuna izinketho zokutshala imali ezizoletha imali ethe xaxa kunezimali zendabuko - idiphozi emabhange, izimali ezihlangene kanye nezinsimbi ezifanayo zezimali.

Imiyalo yesinyathelo ngesinyathelo yokuthi ungamfuna kanjani nokuthi kanjani umtshali zimali ukuze avule ibhizinisi

Ngakho-ke, lapho ufuna umtshali-zimali, kubalulekile ukumqinisekisa ukuthi bangayithola imali enjalo. Kubaluleke kakhulu ukulandela imiyalo yesinyathelo ngesinyathelo, esizoyichaza ngezansi. Lokhu kuzosiza ukukhulisa amathuba okusesha okusheshayo nekhwalithi ephezulu yezimali ezidingekayo.

Isinyathelo # 1. Ukudweba uhlelo lwebhizinisi

Okokuqala, lapho bekhetha into yokutshala imali, abatshalizimali banaka uhlelo lwebhizinisi. Kufanele yakhelwe kahle, ngaphandle kwalokho amathuba okuthola izimali angaba yize.

Ngaphandle kokuhluleka, uhlelo lwebhizinisi oluhlelwe kahle kufanele luqukethe imininingwane elandelayo:

• incazelo yephrojekthi;
• ukubalwa kwemali edingekayo;
• ukuhlaziywa kwemihlomulo yezohwebo umtshalizimali azoyithola;
• isikhathi sokubuyiselwa kwephrojekthi, okusho ukuthi, imali ezokwamukelwa yokuqala izotholwa ngasiphi isikhathi;
• ayini amathemba okuthuthuka okuqhubekayo kwenhlangano.

Ochwepheshe bancoma ukugxila kuyo yonke imininingwane emincane lapho benza uhlelo lwebhizinisi.

Ukwethenjwa kufanele kubangelwe yikho konke - kusuka kukhwalithi yekhasi lapho idokhumenti inyatheliswa khona, kanye nefolda lapho isidleke sayo, kuze kusetshenziswe abahleli bezithombe ezinobungcweti ekwakhiweni kwezikimu ezidingekayo.

Sabhala ngokuningiliziwe ukuthi singalakha kanjani uhlelo lwebhizinisi encwadini ehlukile.

Isinyathelo # 2. Ukukhetha indlela efanele yokubambisana

Ukusebenzisana phakathi komnikazi webhizinisi nomtshalizimali kungathatha amafomu amaningi. Kubalulekile ukuhlaziya kusengaphambili ukuthi yini engasebenza kakhulu enkampanini efuna izimali.

Abatshalizimali bayavuma ukuhlinzeka ngemali ngokuhola imali ngezindlela ezilandelayo:

1. njengephesenti lemali etshaliwe;
2. njengephesenti lenzuzo ngesikhathi sonke sephrojekthi;
3. njengesabelo ebhizinisini.

Umnikazi webhizinisi, esenqume ukuthi iyiphi inketho eyamukelekayo kuye, kufanele nakanjani akubonise ohlelweni lwebhizinisi. Noma kunjalo, kuvame ukuba nzima kumabhizinisi osafunda ukuthola izimali ezidingekayo.

Ngakho-ke, uma umtshalimali ongaba khona engavumelani neze nemodeli ekhethiwe, efuna ukusebenzisa enye indlela yokubambisana, kufanele ihlolwe. Imvamisa kungcono uvumelane nemibandela yabatshalizimalikunokushiywa ngaphandle kwemali.

Isinyathelo # 3. Thola usizo kosomabhizinisi abanolwazi

Abasomabhizinisi abasafufusa bangaqiniseka: akekho ozoziqonda kangcono kunosomabhizinisi abanolwazi asebenze ngempumelelo emkhakheni ofanayo isikhathi eside. Abaningi babo bazisa ngokuzithandela abaqalayo ukuthi baqhubeke kanjani. Lokhu kuyiqiniso ikakhulukazi kulawo macala lapho ngokuzayo ukubambisana okuzuzisayo kungenzeka phakathi kwabo.

Osomabhizinisi abanokuhlangenwe nakho bavame ukuthatha abafikayo ngaphansi kwabo: bangatshala imali emibonweni yabo noma bancome iphrojekthi yokutshala imali kwabanye abatshalizimali. Noma lokhu kungenzeki, kungenzeka ukuthi ochwepheshe bazonikeza izeluleko nezincomo ezinjalo ezizosiza ngokuzayo.

Isinyathelo # 4. Ingxoxo

Imvamisa isinqumo esihle sabatshalizimali sokutshala imali kuphrojekthi kunqunywa ngokuxoxisana okunekhono... Ngisho nalabo abathola kalula ulimi kubantu kufanele bawulungiselele ngokucophelela umhlangano.

Kuzodingeka hhayi kuphela ukukholisa umtshalimali ongaba khona ngamathemba wephrojekthi, kepha futhi nokuphendula yonke imibuzo anayo. Ngakho-ke, kuyalulekwa ukucabanga kusengaphambili ngalokho usomabhizinisi angabuzwa ngakho futhi ulungiselele izimpendulo ezinengqondo.

Kusukela emhlanganweni wokuqala, abatshalizimali bavame ukulindela ukwethulwa okunekhono kwephrojekthi, kanye nohlelo lwebhizinisi.

Kungaba lusizo kosomabhizinisi ukumema ongoti obambe iqhaza ekwakhiweni kwephrojekthi yezingxoxo. Kungenzeka impela ukuthi uzocacisa kahle yonke imikhakha yephrojekthi, futhi futhi aphendule imibuzo evelile.

Isinyathelo # 5. Isiphetho senkontileka

Isigaba sokugcina sezingxoxo, uma kufinyelelwe esivumelwaneni, ukusayinwa kwesivumelwano sokubambisana noma sokutshalwa kwezimali. Kubalulekile ukutadisha ngokucophelela ngokuphelele yonke imibandela yesivumelwano esenziwe; kuzosiza ukufaka ummeli ochwepheshe kule nqubo.

Kubalulekile ukunaka ukuthi isivumelwano siqukethe:

• isikhathi sokubambisana;
• inani lotshalo-mali;
• amalungelo, kanye nezibopho ezinikezwe amaqembu.

Ngokuya ngesivumelwano esiphelile, imali idluliselwa kusomabhizinisi ezimweni ezithile. Ingqikithi yabo ukuthi imali kufanele itshalwe ngqo ekusebenzeni kwephrojekthi.

Kubalulekile kumtshali-zimali ukuthi isivumelwano esisayiniwe singafaki ithuba lokusebenzisa izimali ngaphandle kwenhloso ehlosiwe, noma yingxenye yemali etshaliwe akufanele iya ezidingweni ezingahlobene nokuqaliswa kwephrojekthi.

Isiphetho sesivumelwano sokutshala imali - isampula

Isibonelo sesivumelwano sokutshalwa kwemali singalandwa kusixhumanisi esingezansi:

Isivumelwano sokutshalwa kwephrojekthi yebhizinisi (isibonelo, isampula)

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Ngakho-ke, kubalulekile ukulandela ukulandelana okuthile ekuheheni izimali zabatshalizimali. Usomabhizinisi kufanele aqondiswe yimiyalo yesinyathelo ngasinye echazwe ngenhla. Lapho-ke ukuqongelela imali kuzosebenza ngempumelelo ngangokunokwenzeka.

Izindlela eziyisisekelo zokuthi ungabathola kanjani futhi kuphi abatshalizimali

4. Ungamtholaphi umtshali-zimali - izinketho ezi-6 zokuheha utshalomali 🔎💸

Sesivele sibhalile ngokubaluleka kokwenza uhlelo lwebhizinisi olunekhono esigabeni sokuqala sokuthungathwa kotshalomali. Kodwa-ke, akubona bonke osomabhizinisi abazi ukuthi bangamfuna kuphi umuntu ozovuma ukuhlinzeka ngezimali zokwenza umsebenzi wabo.

Noma kunjalo, kunezinketho eziningi, futhi ngayinye yazo ifanelwe ukunakwa osomabhizinisi.

Inketho 1. Vala abantu

Ukuthola abatshalizimali ukukhokhela ibhizinisi - awukho umsebenzi olula... Ngakho-ke, kuyinto efiselekayo ukufaka izihlobo nabangane abaningi ngangokunokwenzeka kule nqubo. Le nketho ilungele labo abasanda kuqala ibhizinisi labo futhi abanalo ulwazi noma ukuthandwa. Ngaphezu kwalokho, ukubolekwa kwezihlobo nabangane akunangozi kangako.

Uma iphrojekthi ingadingi izimali ezinkulu zokuqala, kungenzeka ukuthi unikeze ngezimali ukuvala abantu ngephesenti elincane elizokhokhwa lapho ibhizinisi lithola inzuzo.

Inketho 2. Osomabhizinisi

Kuwo wonke amadolobha (ikakhulukazi amakhulu ngokwanele) kunenani elikhulu losomabhizinisi asebethole imali enkulu. Manje bafuna ukuthola imali engenayo ngokutshala imali ebhizinisini elithile elinenzuzo.

Kunengqondo ukuphendukela kosomabhizinisi abanjalo ukuze bathole izimali zokuthuthukisa ibhizinisi labo.

Imvamisa, abathengisi bakhipha imali ngokwesikimu esisodwa kwezimbili (ezimbili):

• ngendlela yemalimboleko enezinkokhelo zenzalo;
• njengesabelo kuphrojekthi entsha yebhizinisi.

Ngesikhathi esifanayo, kufanele kuqondwe ukuthi indlela yesibili iholela ekuvinjelweni okukhulu kwenkululeko yokwenza izinqumo ngusomabhizinisi osemusha. Ngakho-ke, kufanelekile ukucabanga kaningi ngaphambi kokukhetha le nketho.

Inketho 3. Izimali

Enye indlela yokuthola abatshalizimali bebhizinisi ngezimali ezikhethekile - utshalomali futhi ukugqugquzela amabhizinisi amancane... Kodwa-ke, ukuthola imali ezinkampanini ezinjalo kungaba nzima.

Kuzofanele sikhombise ukuthi iphrojekthi entsha yebhizinisi iyasebenza. Futhi kufanele kukhunjulwe ukuthi umuntu oqala emkhakheni wezamabhizinisi kumele abe nezimali zakhe, afuna ukuzitshala kulo msebenzi kanye nalabo abakhangayo. Ngakho-ke, imali ifaneleka kakhulu kulabo asebevele benebhizinisi elisebenzayo.

Ukuze isinqumo sokutshala izimali sibe okuhle, kuzodingeka uhlaziye imisebenzi yamanje yenkampani, futhi wakhe uhlelo lokuthuthuka kwayo okuqhubekayo.

Labo abafuna umtshali zimali kufanele futhi bafunde ngemisebenzi yezimali zikahulumeni. Imvamisa bahlinzeka ngemali kumaphrojekthi webhizinisi athembisa kakhulu ngokuhlela imincintiswano yale nhloso.

Option 4. Venture utshalomali

Le nketho isakazeke kakhulu kwamanye amazwe athuthukile. Uma ufuna ukuheha imali ebhizinisini ngosizo lotshalo-mali lwebhizinisi, kufanele kukhunjulwe ukuthi izimali ezinjalo zitshala kuphela kumaphrojekthi ayingozi anamathemba amahle.

Ngesikhathi esifanayo, amaphrojekthi webhizinisi avame ukuxhaswa ngezimali umkhakha omusha, Isayensi, futhi Ubuchwepheshe be-IT.

Ngaphansi kakhulu, kepha izimali zezimali ezisetshenziswayo zitshala imali kwezohwebo, nasemkhakheni wezinsizakalo.

Sibhale ngokuningiliziwe ngokutshalwa kwemali ebhizinisini, ikakhulukazi ukuthi yiziphi izimali zebhizinisi ezikhona nokuthi zenzani, ku-athikili ehlukile.

Ngokutshala imali ebhizinisini, izimali eziyinhloko zifuna ukuthola imali ejwayelekile. Kuze kube manje, benza ingxenye ethile yebhizinisi ibe semthethweni. Ngaphezu kwalokho, banengxenye yenkampani iminyaka embalwa kuphela, ngemuva kwalokho bayithengisela abantu besithathu.

Option 5. Business incubators

I-incubator yebhizinisi iyipulatifomu ekhethekile eyenzelwe ukuqaliswa kwamaphrojekthi webhizinisi ahlukahlukene.Ukuze uthole izimali zokutshala imali nge-incubator, kubalulekile ukwenza uhlelo lwebhizinisi olunekhono.

Ngaphezu kwalokho, kuzodingeka uwine umncintiswano noma uqedele ngempumelelo ingxoxo ekhethekile.

Option 6. Amabhange

Uma ungakwazi ukuthola umtshali-zimali, ungazama ukuthola imali mboleko yasebhange ukuze uqale ibhizinisi. Kodwa-ke, ukuthola inani elikhulu ngokwanele ngokuvamile kunzima. Ngakho-ke, le ndlela yokusesha umtshali-zimali ifanelekile uma udinga inani elincane lokutshala imali.

Izinhlangano zezikweletu zihlinzeka ngokwanele kulabo abangahle baboleke imali izidingo eziphezulu... Ukuze uthole imali, ungadinga ukuhlinzeka ngempahla njengesibambiso, ama-guarantors, uqoqe uhlu olukhulu lwamadokhumenti ahlukahlukene.

Uma ofake isicelo semalimboleko engakwazi ukufeza okungenani imfuneko eyodwa yesikhungo sezikweletu, ngeke akwazi ukuthola imalimboleko.

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Ngale ndlela, funa umtshalizimali webhizinisi - leli akulona ibhizinisi elilula nelide. Ngakho-ke, usomabhizinisi uzodinga ukubekezela okuningi. Kubalulekile ukuhlola zonke izinketho ezingaba khona, ukuhlaziya ubungozi obuvelayo. Ngemuva kwalokho ungaqiniseka ukuthi ukusesha kwakho kuzothweswa umqhele ngempumelelo.

Kunendatshana kuwebhusayithi yethu lapho sikhulume khona ngokuthi ungathola kuphi imali kubatshalizimali abazimele nokuthi ungayakha kanjani kahle i-IOU - sincoma ukuthi siyifunde.

Imithetho eyisisekelo yokuthola abatshalizimali kanye nokutshalwa kwemali kwabo

Imithetho ebalulekile ye-5.5 yokuthola abatshalizimali 📌

Nsuku zonke kunezinhlobonhlobo zamaphrojekthi webhizinisi adinga ukutshalwa kwezimali. Umnikazi womqondo akanayo njalo imali edingekayo. Kodwa-ke, iningi lemibono kudinga ukuqala okusheshayo nentuthuko... Mayelana nalokhu, kukhulu inani losomabhizinisi lifuna umtshalizimali ozosebenzisa iphrojekthi.

Imvamisa le nqubo ibambezeleka, futhi kaningi ngokuphelele kugcina ukwehluleka... Ukukhulisa amathuba akho okuphumelela, kubalulekile ukulandela imithetho eyisisekelo (5) eyisisekelo. Bavumela osomabhizinisi ukuthi bazethembe ngokwengeziwe ekutholeni abatshalizimali, futhi sondela kahle enqubeni yokukhetha.

Umthetho # 1. Usesho kufanele luqale ngokushesha ngangokunokwenzeka

Wonke umuntu ongusomabhizinisi kufanele akuqonde lokho ukufuna umtshali zimali inqubo ende... Kuthatha isikhathi esiningi kusuka lapho beqala ukuthola izimali.

Kungakho qala funa umtshalizimali ngokushesha ngangokunokwenzeka... Ngokufanelekile, lokhu kufanele kwenziwe vele lapho kuhlelwa imisebenzi yesikhathi esizayo, futhi sekucacile nokuthi ungayethula kanjani kangcono inzuzo yephrojekthi kubatshalizimali abangahle babe khona.

Kubalulekile ukuqondaukuthi ubungozi bomtshali zimali bungaphezulu kobomnikazi wephrojekthi. Nguye otshala imali ebhizinisini obeka engcupheni imali yakhe, ukulahlekelwa yisikhathi nedumela.

Ngakho-ke, unelungelo lokumisa ukutshalwa kwezimali noma ngisho nokuxoxisana uma ethatha isinqumo sokuthi izinga lobungozi liphezulu kakhulu kuye.

Ngaphezu kwalokho, abatshalizimali bavame ukubhekisisa inkampani abahlela ukutshala imali kuyo. Bahlaziya umlando wenkampani, impumelelo yayo nokwehluleka kwayo, amathemba okuthuthuka okuqhubekayo. Konke lokhu kuholela eqinisweni lokuthi kungcono ukuqala ukufuna umtshalizimali kusaqalwa.

Izimali ezizimele ezitshaliwe ebhizinisini zivame ukuphela ngokushesha okukhulu. Ngenxa yalokhu, ukukhuphuka okukhulu ekuqaleni kwephrojekthi kungashintshwa ukuwa ngisho nangaphambi kokuqala kwemali engenayo yotshalo-mali, futhi lesi simo singahlukanisa iningi labatshalizimali.

Umthetho # 2. Kubalulekile ukuqoqa imininingwane eminingi ngangokunokwenzeka mayelana nomtshalimali ongaba khona

Ekufuneni umtshalizimali, akusona isisombululo esihle kakhulu sokubambisana nomuntu wokuqala ukunikela ngemali yakhe. Kuyadingeka ukuqoqa imininingwane eminingi ngangokunokwenzeka mayelana nalowo ozotshala imali.

Kulokhu, kufanele uthole:

• yiziphi izindawo ajwayele ukutshala imali kuzo;
• izimali ezingaba khona zezimali ezitshaliwe;
• okuthandwa ngabatshalizimali maqondana nendlela nezimiso zokubambisana.

Yonke imininingwane eqoqiwe kufanele iqhathaniswe nezifiso zikasomabhizinisi uqobo. Kufanele usebenze nomtshalizimali ongcono kakhulu. Lokhu kusho okulungile kakhulu, hhayi okukhulu kakhulu futhi okudume kakhulu.

Kubalulekile ukuqondaukuthi noma yikuphi ukuxhumana nomtshali-zimali kufanele kuthathe isimo sokubambisana okuzuzisayo.

Ngasikhathi sinye, bobabili usomabhizinisi kanye nomtshalizimali uqobo kumele bacabange ukuthi bakusiphi isigaba sokuxhumana, nokuthi kuzokwenzekani ngokulandelayo.

Umtshalizimali olungile, uma azi ukuthi wenzani, uzohlinzeka ngosizo olukhulu ekuthuthukisweni kwephrojekthi. Omubi uzokona ngisho nomqondo omuhle.

Kulinganiselwa inani lotshalo-mali, kufanele ukuqondaukuthi, uma kunesidingo, Ama-dollar ayizigidi ezingama-50-100 akunangqondo ukuphendukela kumuntu otshale izigidi ngokwesiko. Kungashiwo okufanayo ecaleni elihlukile: akunangqondo ukufuna izimali ezinkulu kumuntu ongenazo nje.

Imininingwane enkulu eqoqiwe ingenza kube lula kosomabhizinisi ukubamba iqhaza ezinhlelweni zokuxoxisana nomtshalizimali. Ungacabanga ngohlelo olunzima lokuxoxisana kusengaphambili, futhi unqume ukuthi yimiphi imibuzo ongayibuza umtshalizimali.

Ngaphezu kwalokho, unikezwe imininingwane eyanele kungabikezelwaimiphi imibuzo umnikazi wezimali azoyibuza usomabhizinisi, bese uthatha isinqumoungabaphendula kanjani. Imininingwane emayelana nokutshalwa kwezimali okwedlule kungasiza kakhulu ngesikhathi sokuxoxisana.

Ngisho nangaphambi kokuhlangana nomtshali-zimali, usomabhizinisi kufanele anqume ukuthi uzoziphatha kanjani ohlelweni lokuxoxisana. Umtshalizimali kumele akholelwe ukuthi umthengisi akadingi imali nje kuphela, kepha ubambisana ngokubambisana.

Uma ukuxhumana kwekhwalithi kutholakala phakathi kwezinhlangano, ungaqiniseka ukuthi ukuxhumana kuzoba yinzuzo kubo bobabili abathintekayo.

Kunezibonelo eziningi emlandweni ezisebudlelwaneni obuhle phakathi kosomabhizinisi nomtshalizimali ngisho nokuvela kwamaphutha nokwehluleka okuncane, kusatshaliwe izimali ebhizinisini. Ekugcineni, impumelelo yazuzwa emisebenzini.

Umthetho # 3. Inani lokutshalwa kwemali kumele lihlelwe ngokucophelela

Usomabhizinisi kufanele akhumbule ukuthi inani lotshalo-mali kufanele likhonjiswe ikakhulukazi ngezinombolo, hhayi ebangeni. Umtshalizimali cishe uzokwenqaba ukutshala imali uma ecelwa inani kusuka ku-100 kuya ku-200 ayizinkulungwane zamaRandi.

Kulokhu, umnikazi wezimali angaba nenani elikhulu lemibuzo, okuzoholela impela ezingxoxweni ekugcineni.

Usomabhizinisi kumele atshele umtshalizimali inani elithileokufanele kube okunengqondo. Usayizi wotshalo-mali kufanele ucabangele zonke izimo ezingaba khona zokwenziwa kwemicimbi, ngenxa yokuthi ibanga lingavela.

Umthetho # 4. Gxila ezinhlosweni

Lapho usungula izinhloso zentuthuko yenkampani edinga ukuqoqwa kwezimali, ungazihlanganisi ngokweqile.

Imibono emikhulu kakhulu, kanye nesifiso sokumboza inani elikhulu lezinkinga, imvamisa kwenza abatshalizimali bangabaze ukuthi kukhona ithuba lokukusebenzisa ngempumelelo.

Ngakho-ke, izinhloso ezibekwa ngusomabhizinisi kufanele cacisa ngangokunokwenzeka... Kumele bakhawulelwe ngamakhono abo kanye nezidingo zabo. Izinhloso zikasomabhizinisi kufanele zicaciswe ngisho nangaphambi kokuba athole umtshalizimali.

Noma ezimeni lapho esikhathini esizayo kuhlelwe ukuthi kuthuthukiswe iphrojekthi ibe sezingeni lomhlaba jikelele, akusizi ngalutho ukuwuchaza lo mbono ngokushesha. Ukuhumusha okunjalo kuvame ukucisha abatshalizimali.

Labo abanolwazi lokutshala imali, kanye nokuthuthukisa amaphrojekthi amabhizinisi, bavumelana nombono wokuthi amandla okusizakala kwembulunga yonke ahlakazekile, kepha ukusebenza ngokufanele akudingeki.

Ngakho-ke, umtshali-zimali kufanele abhekwe ngaphansi ukuxazulula izinkinga ezithile futhi izindaba zebhizinisi.

Umthetho # 5. Kufanele uthembeke futhi uvule ngangokunokwenzeka

Enkambisweni yokuxoxisana, futhi ngemuva kwalokho lapho kwenziwa imibiko, usomabhizinisi akufanele amanga futhi godla.

Ngenkathi kwenziwa ibhizinisi, kuyinto ejwayelekile ukuphambuka ohlelweni lokuqala, kepha amaqiniso anjalo akukwazi ukufihlwa kumtshali-zimali... Unelungelo lokwazi ngalesi simo.

Ngasikhathi sinye, kubalulekile ukuchazela umtshali zimali ukuthi kungaziphi izizathu kube khona ukuphambuka kuhlelo, ukuthi lokhu kungaholelaphi, nokuthi kuhlelwe kanjani ukuqhubekela phambili.

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Ukuhambisana nayo yonke le mithetho engenhla kwandisa amathuba okuthi kutholakale umtshali-zimali omuhle. Okungukuthi, lokhu kuyisihluthulelo sokuqala ngempumelelo kunoma yimuphi umsebenzi.

6. Ukunikeza usizo lochwepheshe ekutholeni abatshalizimali 📎

Labo abangakwazi ukuthola umtshalizimali webhizinisi labo bebodwa bangaxhumana nabasizi abangochwepheshe.

Kunamapulatifomu akhethekile kwi-Intanethi asiza hhayi kuphela labo abafuna ukutshala imali, kepha nalabo abafuna imali yokuthuthukisa imisebenzi yabo.

Amasayithi adume kakhulu akhuluma isiRussia angama-2 (amabili):

1) EMPUMALANGA

Okukhethekile kwezinsizakusebenza ukufuna ukutshalwa kwezimali kokutshalwa kwezimali kumabhizinisi akhona nalawo asetshenziswayo. Ukuze usebenzise izinsizakalo, kwanele ukubhalisa, bese uthinta labo abahlinzeka ngemali. Isisetshenziswa sikuvumela ukuthi ugcine isikhathi hhayi kuphela, kepha namandla.

Ochwepheshe bezinkampani benza ukuhlaziywa kwebhizinisi, ngemuva kwalokho kunqunywa amandla alo. Lokhu kwenziwa ngokuphelele free futhi kusiza ukuheha abatshalizimali. Isisetshenziswa lesi besisitshale imali isikhathi esingaphezu kweminyaka eyishumi.

Ngokubhalisa kusayithi, usomabhizinisi uthintana nabatshalizimali abayishumi nambili ngasikhathi sinye. Lokhu kwandisa kakhulu amathuba okuthola izimali. Izindleko zensizakalo yokusesha yabatshalizimali zibalwa ngamunye kumsebenzisi ngamunye. Ngasikhathi sinye, akukho okudingekayo ukukhokha kuze kube yilapho kutholwa izimali.

Kulula kakhulu ukusebenzisa izinsiza zesayithi. Kwanele ukudlula ezinyathelweni ezimbalwa:

• thumela isicelo sakho;
• thola ukubonisana kwamahhala kumqashwa wenkampani;
• sayina isivumelwano nenkampani ngokunikezwa kwezinsizakalo zokulamula;
• insiza uqobo lwayo ixoxisana nomtshali-zimali;
• Usomabhizinisi ungena esivumelwaneni esizuzisa umtshalizimali.

2) Qala2Up

Lo mthombo uwuhlobo lwebhodi lezaziso lapho Iziphakamiso zabatshalizimali, osomabhizinisi, ukuqalangifuna abalingani bebhizinisi.

Ngenxa yesiza, labo abanezimali bangathola ukuthi bangazitshala kuphi. Ngasikhathi sinye, osomabhizinisi abasafufusa banethuba lokuphothula isivumelwano nabatshalizimali abakulungele ukuxhasa iphrojekthi yabo.

Zonke izikhangiso ezithunyelwe kusayithi zihlukaniswe ngamaqembu kuya ngesifunda, kanye nomkhakha womsebenzi.

Imigqa yebhizinisi ethandwa kakhulu lapha yile:

• i-Internet;
• Ubuchwepheshe be-IT;
• imfundo;
• ubuciko kanye namasiko;
• isayensi;
• impahla.

Kukhona nezinye izindawo ezethembisayo zomsebenzi.

Isiza sisetshenziswa amakhulu osomabhizinisi nabatshalizimali. Laba ngabantu hhayi baseRussia kuphela, kodwa futhi abavela eBelarus, kanye nakwamanye amazwe aseYurophu. Ngakho-ke, amathuba alabo ababhaliswe kusayithi ukuthola otshalomali akhula kakhulu.

Isayithi liqukethe izinhlinzeko ezingamakhulu amaningana thenga ukuqala, tshala imali ezindaweni ezihlukene zebhizinisi, futhi thuthukisa umkhiqizo okhona.

Ngaphezu kwalokho, ngosizo lwephrojekthi, ungathenga noma uthengise impahla yezinkampani zamashalofu. Ungakwazi ukulandelela izindaba ze-portal usebenzisa iqembu le-Facebook.

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Ngakho-ke, labo abakuthola kunzima ukuthola abatshalizimali bephrojekthi yabo bangaphendukela kuzinsizakusebenza ezithandwayo ze-Intanethi ukuthola usizo.

Futhi, ungakhohlwa mayelana nokuxhaswa kwemali yesikhulumi. Ngenxa yokutshalwa kwezinkumbi zabantu (uhlobo lwembuyiselo yabantu), ungakhulisa nemali evela kubahlanganyeli abanentshisekelo kumasayithi ukuze bahlanganyele ekuqaleni.

7. Izimpendulo zemibuzo ebuzwa njalo 📑

Isihloko sokuthola abatshalizimali siyinkimbinkimbi impela. Ngakho-ke, osomabhizinisi banenqwaba yemibuzo maqondana nalokhu. Ukushicilelwa bekungeke kube okuphelele uma singaphenduli okuvame kakhulu.

Umbuzo 1. Ungayitholaphi imali yebhizinisi lakho?

Ukuthola imali yokukhulisa ibhizinisi kungadida noma ngubani ofisa ukuba ngusomabhizinisi. Lokhu kuyiqiniso ikakhulukazi ekwakhiweni nasekuthuthukisweni okuqhubekayo kweziqalo. Thuthukisa noma iyiphi iphrojekthi yebhizinisi ngaphandle kokuqongelela imali cishe akunakwenzeka... Sabhala ngokuthi ukuqala kuyini, yiziphi izigaba okufanele kudlule kuzo, ukuthi ungayenza kanjani imali, njll.

Wonke umuntu osomabhizinisi osemusha ufuna izinketho zakhe zokuthola umtshalizimali. Ngakho-ke, kubaluleke kakhulu ukuhlola kabusha izindlela zokuthola izimali.

Indlela 1. Gcina

Le nketho ilula kakhulu. Njengoba esethole imali, usomabhizinisi ngeke ancike kwabanye abantu ngokwezezimali, uzokwazi ukuqhuba ibhizinisi ngokuzimela ngokuphelele, ngaphandle kokubika kunoma ngubani futhi ngaphandle kokunikeza noma ubani ingxenye yenzuzo.

Ngaphezu kwalokho, ukuze wonge imali, udinga kuphela isifiso esikhulukanye nezezimali ukuzikhuza... Kwanele ukwengeza izindleko zakho ukuqala ukuqongelela imali. Ngenkuthalo efanele, esevele yenzelwe i- Izinyanga eziyi-6-12 ungaqoqa inani elikhulu lemali.

Le nketho ilungele labo abakwaziyo ukonga. Uma ukwazi ukubekela eceleni ukuthenga okukhulu noma iholide, le ndlela yokuqongelela imali izokusebenzela. Ngaphezu kwalokho, le nketho isiza ukufunda isimo esihle semali, esizosiza ngokuzayo lapho kuqaliswa iphrojekthi yebhizinisi.

Indlela 2. Thola imali mboleko

Labo somabhizinisi abazi kahle imithetho yokuqondiswa kwezezimali kungenzeka uthathe imali mboleko yasebhange ukuthuthukiswa kwemisebenzi.

Ingozi yale ndlela ilele ekutheni ekuqaleni kwebhizinisi, izinkampani cishe zihlala zisebenza onqenqemeni lokulahleka. Ngakho-ke, kungenzeka kakhulu ukuthi ngeke kube khona lutho ongakhokha ngalo imali mboleko.

Le ndlela ilungele kuphela labo abaqinisekile ukuthi ibhizinisi lizoba nenzuzo ngisho nangaphambi kokuqala kokukhokha kwemali mboleko. Kufanele kuqondwe ukuthi izikhungo ezibolekisa ngemali akuvamile ukuthi zitshale ekuqaleni. Kaningi bakhipha imali mboleko yokuthuthukisa ibhizinisi eselivele likhona. Kodwa-ke, isinqumo ngaso sonke isikhathi senziwa ngakunye.

Usomabhizinisi kufanele nakanjani acabangele ukuthi ezimweni eziningi inzalo iyona hhayi ngaphansi kuka-15%... Ngaphezu kwalokho, kubalulekile ukuxhumana namabhange ahloniphekile.

Ukwenza lula umsebenzi wosomabhizinisi, itafula libala amabhange amahle kakhulu amabhizinisi amancane naphakathi nendawo.

Ibhange	Igama lesikweletu	Isilinganiso senzalo esincane
I-Sberbank	Ukuvuselela amabhizinisi amancane naphakathi	Ngokuya ngokuhlukaniswa njengomzuzi, kuqala kusuka ku-11
I-Alfa Bank	Uzakwethu	Kusuka ku-14%
Raiffeisen Bank	Express Overdraft	Kusuka ku-16%
I-VTB	Umbono webhizinisi	Kusuka ku-16%
UBRIR	Ilungelo lebhizinisi	Kusuka ku-16.5%

Indlela 3. Uxhaso lukahulumeni

Umbuso uyazama ukuxhasa ngenkuthalo amabhizinisi amancane. Noma imuphi umuntu ofisa ukuba ngusomabhizinisi angabamba iqhaza emincintiswaneni yoxhaso.

Uma ufisa, ungaxhumana ne-Employment Center ukuthola isibonelelo sokuzisebenza. Inani lolu hlelo luyehluka ngesifunda, kepha ngokwesilinganiso kunjalo 90-100 ayizinkulungwane ruble.

Ngaphezu kwalokho, okubizwa ngokuthi ama-incubators kudaliwe ezweni (imvamisa kakhulu ngesisekelo sezikhungo zemfundo ephakeme kakhulu ezifundisa isihloko se "economics").

Izinhlaka ezinjalo zixhaswe ngemali yesabelomali. Inhloso yalezi zinhlangano ukudala izimo ezifanele zokuthuthukisa ibhizinisi.

Indlela 4. Vala abantu

Le nketho ingabhekwa njengecala elidlulele, ngoba kungaba nzima kakhulu ukwenza ibhizinisi nomndeni nabangane. Akekho othanda ukukhipha imali yakhe kanjalo nje, ngakho-ke nabantu abasondele kufanele babe nentshisekelo. Ungabanikeza iqhaza ebhizinisini.

Kukhona nezinzuzo zale ndlela yokuthola imali. Okokuqala, kulula ukuvumelana ngemibandela yokubuyiselwa kwemali nabathandekayo. Okwesibili, ukuthola imali kushesha kakhulu, ngoba awudingi ukuqoqa inani elikhulu lamadokhumenti, kanye nokulinda isinqumo sabantu besithathu.

Indlela 5. Abatshalizimali abazimele

Kwezinye izimo, azikho ezinye izindlela ngaphandle kokuboleka imali kubatshalizimali abazimele. Kungenzeka ukuthi uthole izimali ezivela kubatshalizimali abazimele ngokushesha okukhulu futhi ngaphandle kwezinkinga ezingadingekile.

Iningi lamadolobha amakhulu linamasayithi e-inthanethi athumela izikhangiso ezifanele. Ngasikhathi sinye, ukuthola imali mboleko, kwanele qinisekisa ubuwena bese ubhala irisidi... Abanye abatshalizimali abazimele badinga okuphoqelekile ukwaziswa kwalo mbhalo.

Umbuzo 2. Ungaqala kuphi ukufuna umtshalizimali wamabhizinisi amancane?

Kunezinyathelo ezimbalwa eziyinhloko ezizosiza umtshalizimali we-novice ukuthi azulazule kwinqubo yokusesha yabatshalizimali.

Isinyathelo 1. Ukwenza uhlelo

Usomabhizinisi kumele enze uhlelo lwebhizinisi olusezingeni azolusebenzisa njengesethulo kubantu abatshala imali ebhizinisini. Kuluhlelo oluzosiza ekuqinisekiseni umtshalizimali ukuthi iphrojekthi kasomabhizinisi iyakwazi ukwenza inzuzo ebonakalayo.

Okubalulekileukuze uhlelo lwebhizinisi lungafaki nje kuphela incazelo yenkampani uqobo, kepha futhi nokufunda ngesikhundla emakethe, kanye namathemba okuthuthuka aqhubekayo.

Kubalulekile futhi ukubala izimali ezidingekayo kanye nesikhathi lapho iphrojekthi izoqala ukwenza inzuzo.

Isinyathelo 2. Khetha uhlelo lokutshala imali

Kunezindlela eziningi ongakhetha kuzo zokuthola imali. Abatshalizimali bangathenga imishini emisha, ngokunikeza imalimboleko ngamaphesenti athile. Abanye batshala imali ngokufuna ngenkani ngokubuyisela isabelo enkampanini.

Kunoma ikuphi, usomabhizinisi kufanele anqume kusengaphambili ukuthi yiziphi izikimu ezimfanele kakhulu. Kuzoba wusizo ukukhombisa lokhu ohlelweni lwebhizinisi uqobo.

Isinyathelo 3. Usizo oluvela kubachwepheshe

Osomabhizinisi abanesipiliyoni banganikeza izeluleko ezibalulekile kukho kokubili ukuqoqwa kwemali nokuqhuba ibhizinisi.

Isinyathelo 4. Ukucinga izinsiza zokutshala imali kwi-Intanethi

Kunamawebhusayithi akwi-Intanethi avumela izingelosi zebhizinisi ukwethula amaphrojekthi. Ngemuva kokuthumela imininingwane yabo uqobo kuzinsizakusebenza ezinjalo, osomabhizinisi bavame ukubona ukwanda kwenani leziphakamiso ezivela kubatshalizimali.

Umbuzo 3. Ngifuna umtshalizimali ukuze aqale ibhizinisi kusuka ekuqaleni / ebhizinisini elivele likhona. Yiziphi izingosi / amasayithi nezinkundla okufanele uzifune?

Izinsiza ze-Intanethi ezidumile (amasayithi, izinkundla, izingosi) zokuthola abatshalizimali

Ukuthuthukiswa kobuchwepheshe be-Intanethi kwenza ukuthi kube lula ukwenza lula inqubo yokuthola abatshalizimali. Kunenani elikhulu kakhulu lezinsiza ze-Intanethi ezisiza kulo msebenzi onzima.

Nazi ezithandwa kakhulu:

1. Ukuqala.ru - ingosi edumile yokuthola abatshalizimali. Kukhona ithuba lokuthumela imininingwane mayelana nebhizinisi lakho. Uma ivunywa, amathuba okuheha abatshalizimali azonyuka kakhulu.
2. Ventureclub.ru - insiza ekuvumela ukuthi uthole abatshalizimali abakhulu ngokwanele.
3. Ngazibog.ru - yibhodi lezaziso elijwayelekile lapho abatshalizimali bethumela khona imininingwane ngabo.
4. Mypio.ru - lapha ungathumela imininingwane mayelana nebhizinisi lakho. Izikhangiso ezikule portal zibukwa nsuku zonke ngenani elikhulu labatshalizimali.
5. Ukuqala.ru - iphrojekthi enenani elikhulu leziphakamiso ezivela kubatshalizimali. Uma namuhla kungekho nketho efanelekile lapha, kungenzeka impela ukuthumela imininingwane ngephrojekthi yokubukwa ngabatshali bezimali abangahle babe khona.

Umbuzo 4. Ungamfuna kuphi umtshalizimali wokuqalisa noma ukuthi ungamthola kanjani umtshali-zimali ukuze asebenzise umbono?

Usomabhizinisi kufanele akhumbule ukuthi indawo efaneleke kakhulu yokuthola umtshalizimali kulapho kuqoqwa khona isibalo esiphezulu sazo. Kungaba njalo imibukiso ehlukahlukene, futhi isenzo sesethulo... Njengengxenye yemicimbi enjalo, amatafula azungezile wabanikazi bezimali ngokuvamile ahlelwa lapho ungajwayelana khona nomtshalizimali wesikhathi esizayo. Le nketho ilula impela, kepha ukusebenza kwayo kungabazeka kakhulu. Imicimbi enjalo ayivamile ngokwedlulele, kuyenzeka lapha ukuhlangana nomuntu ofanele akulula kangako.

Enye inketho elula - ukutshala imali kuphrojekthi yebhizinisi elisha ngokudlulisela imali kokudala, osekuvele kuthuthukisiwe. Ngokwemvelo, le ndlela ayamukeleki kulabo abafuna osomabhizinisi.

Abatshalizimali abazimele bangatholakala kwizinsizakusebenza ezahlukahlukene ze-Intanethi. Ungathola inani elikhulu le- iziphakamiso zokutshalwa kwezimali zebhizinisi. Kepha ungakhohlwaukuthi izindawo ezinqwabelene kakhulu zezimali zigcwele inani elikhulu labakhwabanisi. Imvamisa osomabhizinisi bathenjiswa ukuthi baqale ukutshala imali ngaphansi kwezindlela ezahlukene zokufaka imali ethile.

Kucatshangelwa indlela enhle yokuheha utshalomali usizo lomthengisi wezimali... Ngekhomishini encane, usomabhizinisi uhambisa izinkathazo zokuthola umtshalizimali emahlombe omunye umuntu. Kulokhu, uzodinga ukukhokha kuphela ekukhishweni kwezimali.

Usizo lwezingelosi zebhizinisi kuvame ukubhekwa njengokusebenza ngempumelelo.... Kodwa-ke, namuhla bambalwa kakhulu kwinani elikhulu labafakizicelo. Ngaphezu kwalokho, bavame ukudinga isabelo esibalulekile ebhizinisini abalakhayo.

Ama-Incubators ungahlose ukutshala imali kumaphrojekthi. Zenzelwe ukuhlinzeka ibhizinisi ngezimo ezifanele zentuthuko.

Umbuzo 5. Ungabasesha kanjani abatshalizimali bangaphandle? Ungabatholaphi abatshalizimali bangaphandle abazonikela ngemali?

Okwamanje, kunezindlela eziningana zokuthola umtshalizimali wangaphandle onentshisekelo ebhizinisini lakho:

1. Ukusebenzisa izinsizakalo zokulamula zezinhlangano zikahulumeni noma ezizimele kwezohwebo ekufuneni iziphakamiso zokutshala imali;
2. Ngokuthumela ulwazi mayelana nephrojekthi (ukuqala, imibono) kumasayithi akhethekile (izisekelo zamaphrojekthi wokutshala imali);
3. Ngokuhlanganyela emibonisweni ehlukahlukene ekhethekile nasemibukisweni.

Ama-ejensi amaningi ahlukene asebenza ngempumelelo emakethe yokutshala imali, enikezela ngezinsizakalo zobungcweti zokuthola abatshalizimali bangaphandle. Kubalulekile kubatshali bezimali bangaphandle abangahle babone amathemba ephrojekthi yebhizinisi lakho.

Uma ukufundile okuthunyelwe kuze kube sekugcineni, qiniseka ukuthi uthole imininingwane eyanele ukuheha umtshalizimali. Kubalulekile ukukhumbula ukuthi le nqubo ayilula futhi idinga ukulungiswa kwekhwalithi ephezulu.

Usomabhizinisi kufanele akhumbule ukuthi noma engathola inani elanele lemali, asikho isiqinisekisoukuthi iphrojekthi izophumelela.

Ukufunwa kotshalomali kuyisigaba sokuqala kuphela, ingxenye encane yendlela ende futhi enzima.

Njengoba eyalile imali, usomabhizinisi kumele enze yonke imizamo yokuthola imbuyiselo ayifunayo.

Ekuphetheni, siphakamisa ukuthi ubuke ividiyo mayelana utshalomali oluhlangene (ukubuyiselwa kwemali ngobuningi) - kuyini nokuthi kusebenza kanjani:

Futhi ne-webinar ethokozisayo "Ungakukhanga kanjani ukutshalwa kwezimali ebhizinisini" kusuka kuChamber of Commerce and Industry of the Russian Federation

Ithimba leMagazini ye-Ideas for Life lifisela inhlanhla nempumelelo ekuheheni umtshali-zimali omuhle futhi, nempumelelo ekuthuthukiseni amabhizinisi. Uma uneminye imibono noma imibuzo ngesihloko, bese ubabuza kumazwana angezansi.

Bukela ividiyo: Ska bhora moreki ZCC choir (Juni 2024).