Kushanda mari inodiwa zvakadzama

Le kushanda mari inodiwat inogona kutsanangurwa sehuwandu hwemari iyo kambani inoda kuvhara zvinodiwa zvinokonzerwa nekusawirirana pakati pemari inopinda nekubuda. Inoenderana nemari iyo kambani inofanirwa kupa mari kuti igadzirise gap riri pakati mari yekubvisa uye kuunganidza. Hazvifanirwe kuvhiringwa nazvo Kushanda Capital.

Chokwadi, iyo kambani inofanirwa kubhadhara vatengesi vayo isati yawana mubhadharo wevatengi vayo inoda mari yekushanda kuti iwane mari. Kuwanda kwemasheya uye nguva dzekutungamira, iyo kambani inowedzera njodzi yekuve ne yakakosha mari yekushandisa inodiwa.

Hukuru hwechinodiwa chemari yekushanda hunoenderana nematanho akati wandei: chikamu chebasa, mamiriro ekutengesa, mamiriro ekutenga, nguva yekutenderera kwemasheya uye huwandu hwechiitiko. Muchinyorwa chino, tinopa iyo inoshanda capital inodiwa zvakadzama. Handeyi!!

🌿 Chii chinodiwa mari yekushandisa?

Chinodiwa chemari yekushanda imari inodiwa kuti kambani ikwanise kubhadhara mari yayo yese iripo ichimirira kupihwa mubhadharo kubva kune vatengi vayo vakasiyana. Inotsanangura kuzvimiririra kwemari kwekambani munguva pfupi.

Ichi chiratidzo chinomiririra mari inodiwa kubhadhara mari yekambani pasina iyo inoda kuunganidza zvikwereti zvevatengi vayo panguva imwe chete.

Kana iwe ukaverenga mari yekushanda yekambani inodiwa uye woziva kuti ndizvo kupfuura 0, saka ongororo inofanirwa kuitwa ndeyekuti inofanirwa kubhadhara vatengesi vayo mukati memazuva makumi matatu.

Mabhizinesi mazhinji nhasi ane mari yekushanda inodiwa padyo ne zero, saka zvinoreva kuti vanofanirwa kutsvaga mari yekubata nekusawirirana kwemari.

✔️ Mamiriro chaiwo

Kusiyana nemakambani anounganidza mari asati aibvisa, iwo makambani anowanzo kuve anoda mari yekushandisa isingasviki 0.

Muchiitiko ichi, tichataura nezvekushanda mari yekushandisa. Isu tine semuenzaniso, makambani ari muchikamu chekutengesa ayo anowanzo mune iyi kesi, nekuti vatengi vavo vanobhadhara zvinhu mumari.

Kubatsira kukuru kwemari yekushanda inodiwa ndeye kupa mari kutenderera kwekambani. Inozadzisa zvinoreva mari yekushanda inobuda kubva mufomula uchishandisa capital capital uye yakagadziriswa assets.

🌿 Maitiro ekuverenga mari yekushandisa inodiwa?

Mari yekushanda inodiwa inowanzoverengerwa muhuwandu hwemazuva ekuchinja. Paunenge uchigadzira kana kutenga bhizinesi, kuona yekushanda mari zvinodiwa idanho risingafanirwe kuregeredzwa. Kana ikakanganiswa kana kuita zvisina kunaka, chinogona kunge chiri chikonzero chikuru chekunyangarika kwekambani.

Nekuda kwekuda kwemari yekushandisa, maneja wekambani anogona ongorora kushanda kwebhizinesi rako nekungoongorora mhinduro dzakasiyana dzakawanikwa.

Iwo maverengero anogona kuve evhiki nevhiki, pamwedzi, nekota kana gore, anofanirwa kuenzaniswa uye kudzidzwa. Kuti aite izvi, maneja anofanira kuzvibvunza mibvunzo iyi:

• Pane shanduko here kubva mugore rapfuura, hafu yegore rapfuura, kota yapfuura kana mwedzi wapfuura?
• Zvinoita here kutsanangura shanduko iyi?
• Kana zvisina kunaka, kugadzikana kwemari kungadzorerwa sei?
• Kana ichidiwa, ingachengetedzwa sei, kana kuti kunyange kuvandudzwa?

✔️ kambani inopa sevhisi

Kana kambani inyanzvi mukupihwa kwesevhisi, saka haina stock yezvinhu. Zvisinei neizvi, inofanirwa kufambisira mberi machaji emazuva ano kuitira kuti ikwanise kubhadhara mabhenefiti nemasevhisi ainopa.

Idzi mhosva dzazvino dzinowanzo kunyorwa pasi pezwi rokuti " basa riri kuenderera mberi". Panguva ino, iyo mari yekushanda inodiwa inoverengerwa nekurangarira iyo inotevera data:

• Mitoro yezuva rekushanda;
• Zvose zvinodhura zvinosanganisirwa (kusanganisira mubhadharo);
• Nguva inodiwa kupedzisa sevhisi kana sevhisi yakarairwa nemutengi.

Iyo formula yekuona iyo yekushanda capital inodiwa mune iyi kesi ndeiyi inotevera:

• WCR = Basa riri kuenderera mberi + In progress average “ zvinogamuchirwa » - In progress average “ mutengi deposits »
• WCR = mumatanda + Zvinogamuchirwa (zvinogamuchirwa zvekutengeserana uye zvakasiyana-siyana zvinogamuchirwa) - Zvikwereti (zvese zvikwereti zvisiri zvemari).

🌿 Misiyano inopesvedzera mari yekushandisa inodiwa

Zvikamu zvinoverengeka zvinopesvedzera kuverengerwa kwezvinodiwa capital capital

✔️ Nguva yekubhadhara (iyo yakataurirana nevashambadziri) 

Kuverenga mumazuva: (kutengesa kunobhadharwa / kutenga kunosanganisira mutero) x 360. Mhedzisiro yacho ndeyekuti isu tinowana ipapo inoenderana nematemu ekubhadhara anopihwa nevatengesi kukambani. Kazhinji, tine nguva yekubhadhara ye30 kusvika ku60 mazuva.

✔️ Nguva yekubhadhara (iyo iyo kambani inopa kune vatengi kana ichiodha) 

Kuverengera mumazuva ekuchinja : (zvinogamuchirwa zvekutengesa/zvekubuda zvinosanganisira mutero) x 360. Mhedzisiro yakawanikwa yakaenzana nenguva yekubhadhara kune zvese zvigadzirwa izvo kambani yako inotengesa kune vatengi vayo. Uku kusiyanisa kunoenderana nezvakawanda zvinhu zvakaita sechikamu chako chechiitiko, mutengi wako, nezvimwe.

Kungofanana nenguva yekubhadhara yawakapihwa nevatengesi vako, nguva yekubhadhara iri pakati pe30 ne60 mazuva.

✔️ Nguva yekutenderera kwestock.

Uyezve verenga mumazuva: (avhareji yekutenga/kugadzira kana mutengo wekugadzira) x 360. Mhedzisiro yauchawana inozoona kuti zvigadzirwa zvinotengwa riini uye kana zvigadzirwa izvi zvatengeswazve, kureva huwandu hwemazuva zvigadzirwa izvi zviri mustock.

🌿 Kuongororwa kwezvinodiwa mari yekushandisa

Kuti ive yakavimbika zvakakwana, iyo mari yekushanda inodiwa inobva kune yekushanda kwekambani, inomiririra chero chinodiwa kana imwe mari yekushandisa inozvarwa kubva kune chikuru chiitiko chekambani. Iyo yekushanda capital inodiwa saka musiyano pakati pemabasa nekushandisa zviwanikwa.

✔️ Chii chekuita kana mabasa achipfuura zviwanikwa?

Kana mabasa ari makuru pane ekushandisa, kambani inofanirwa kupa mari yainoda kwenguva pfupi nemari yayo yekushanda kana kuti zvikwereti zvayo zvemari.

Zvekushandisa zvinozoita kuti zvikwanisike kuvhara mabasa ekushanda. Iyo kambani haizove nemari inoda. Asi haizove neimwe mari yakasara zvakare.

✔️ Chii chekuita kana zviwanikwa zvakakura kupfuura mabasa?

Kana zviwanikwa zvakakura kudarika kushandiswa kunoshandiswa. The company ipapo hazvizodi mari uye iyo yakasara inogadzirwa inodya mari yayo mambure uye kudzivirira kuunganidzwa kwemari, inogona kuiswa muhumwe.

Kushanda capital Inobvumira kambani kupa mari yekushanda kwayo mari inoda. Ndiwo musiyano uripo zvachose misoro (equity pamwe nechikwereti chenguva refu) uye Investments yekambani.

Saka inomiririra capital iyo inofanirwa kuramba iri mukambani kuvimbisa kutenderera kwekushanda kwekambani. Iyo yakakura kukosha kwemari yekushanda, iyo yakakura kuzvimiririra kwemari kwekambani.

🌿 Chii chekuita mushure mekuona mari yekushandisa inodiwa?

Kana iyo mari yekushanda inodiwa yatemwa, uye iwe waiongorora (angave ari positive, zero kana negative), iwe unofanirwa kufunga nezve izvi mukuenderera mberi kwechiitiko chako uye zvakatonyanya kana mari yako yekushandisa iri yakanaka. Muchiitiko ichi, uchafanira kuzvipa mari.

Panguva ino, sarudzo dzinoverengeka dziripo kwauri. Saka zviri kwauri kuti usarudze iyo inoenderana nezvinangwa zvako.

• Le overdraft ; iwe uchafanirwa kusarudza mhinduro iyi kana zvaunoda zvemari zviri zvenguva pfupi.
• Mipiro mu maakaundi azvino ; imari inoitwa kuti iwanikwe kukambani nevadyidzani vakasiyana-siyana. Iwe uchafanirwa kutora iyi sarudzo semhinduro kana zvido zvako zvemari zviri zvenguva pfupi / zvepakati.
• Kuwedzera zviwanikwa zvenguva refu maringe nezvinodiwa zvenguva refu zvemari kana zvaunoda zviri zvenguva refu.

🌿 Chii chatinofanira kucherekedza nokuda kwokutarisirwa kwakanaka kweWCR yedu?

Kune manejimendi akanaka eWorking Capital Requirement (WCR), zvakakosha kuti tinyatso tarisisa mazinga ezvinyorwa kuitira kudzivirira kuwedzera kana kushomeka, izvo zvinogona kukanganisa kubuda kwemari. Mukuwedzera, hutungamiri hunobudirira hwezvinogamuchirwa nevatengi ndizvo zvakakosha kuderedza kunonoka kubhadhara uye kuchengetedza kuyerera kwemari kune hutano.

Kana zvasvika kune zvikwereti zvevashambadziri, zvakakosha kuti mutaurirane nezvemitemo yekubhadhara yakanaka muchidzivirira kunonoka kwakanyanya. Chekupedzisira, kugadzirisa maitiro ekushanda, senge manejimendi manejimendi uye invoicing, zvinogona kubatsira kuderedza WCR nekuvandudza hutano hwemari hwekambani.

Kuti uve nekutonga kwakanaka kwechido chako chemari yekushanda, zvinodikanwa kuti utarise chaizvo pane anotevera mapoinzi:

• Maakaunti ako anofanira kunge ari emazuva ano (kuyeresa kwemaakaundi evatengi);
• Iwe unozofanirwa kuve nechokwadi chekuti une yakanaka inventory manejimendi;
• Tonga chinzvimbo chemutengi zvakanaka: nekudzikamisa nguva dzekubhadhara (process invoice nekukurumidza, tevera nevatengi nekukurumidza uye kuunganidza);
• Nyatsodzora chinzvimbo chemutengesi (taurirana mazwi ekubhadhara kuti aite kureba);
• Sarudza nzira yakanaka yekubhadhara mari yezvaunoda, senge kubhangi overdraft uye factoring.

🌿 Kuvhara

Mukupedzisa, manejimendi anoshanda eWorking Capital Requirement (WCR) yakakosha kuve nechokwadi hutano hwemari kubva kukambani. Nekunyatsotarisisa mazinga ezvinyorwa, kubhadhara uye nguva dzekuunganidza, pamwe nemamiriro echikwereti emupi, kambani inogona kukwidziridza WCR yayo nekuvandudza mafambiro ayo emari.

Kunyatsotarisisa maitiro ekushanda uye kufembera kwekuyerera kwemari kunogonawo kubatsira kune kwakaringana manejimendi eWCR. Pakupedzisira, manejimendi proactive BFR inogona kubatsira bhizinesi kuchengetedza mari yakakwana yekushanda kwezuva nezuva uye kufambisa kukura kwakasimba.

🌿 Mibvunzo Inowanzo bvunzwa

Chii chinonzi Working Capital Requirement (WCR)?

Working Capital Requirement (WCR) inomiririra mutsauko uripo pakati pezviwanikwa zvenguva pfupi zvekambani (zviwanikwa, zvinogamuchirwa nevatengi) uye zvisungo zvayo zvenguva pfupi (zvikwereti zvemupi, zvikwereti zvakaunganidzwa).

Nei manejimendi eWCR yakakosha kukambani?

Kubudirira kwekutonga kweWCR kwakakosha nekuti inokanganisa zvakananga kubuda kwemari uye kugona kwekambani kuwana mari yekushanda kwayo kwezuva nezuva. WCR isingatariswe zvisina kunaka inogona kutungamirira kumatambudziko emari uye matambudziko emari.

Tinogona sei kuvandudza WCR?

WCR optimization inosanganisira kunyatsoongorora nhanho dzezvinhu, kuvandudza manejimendi anogamuchirwa maakaundi, kutaurirana nevatengesi nezvemitemo yekubhadhara yakanaka, uye kugadzirisa maitiro ekuderedza kubhadhara uye kuunganidza nguva.

Ndedzipi njodzi dzine chekuita neWCR isina kutarisirwa zvakanaka?

WCR isina kufambiswa zvakanaka inogona kutungamira kunetsa kwekuyerera kwemari, kunonoka mubhadharo, kushomeka kwemari uye kunyangwe matambudziko enguva refu ekugadzirisa. Inogonawo kukanganisa kukwanisa kwekambani kutora mikana yekukura.

Tapedza!! Ndapota siyai maonero enyu mumashoko. Asi musati mabva pano mashandisiro aunofanira kuita bhajeti yemhuri yako norugare.