Ungayiphatha kanjani imali yakho ngempumelelo?

Ukuphatha imali yakho kuyindlela ebucayi. Ukuphathwa kwemali kuhlanganisa zonke izinqumo, imithetho nezinqubo okuqinisekisa ngezindleko eziphansi ukugcinwa kwebhalansi yezimali esheshayo yenkampani. Inhloso yawo eyinhloko uku ukuvimbela ubungozi bokuyeka ukukhokha. Okwesibili kube ukwenziwa kahle komphumela wezezimali (umkhiqizo wokugcina - izindleko zokuphela).

Kafushane, Finance de Demain Kulesi sihloko uzothola ukuthi ungaphatha kanjani imali yakho ngendlela efanele. Asambe !!!

🌿 Kuyini ukuphathwa kwemali??

Ukuphatha kanjani ukuhamba kwemali ngendlela efanele? Ukuphatha ukugeleza kwemali kusho ukunquma ibhalansi yokuhamba kwemali. Okusho ukuthi, ukuqinisekisa ibhalansi phakathi ukugeleza okuphumayo nokungenayo.

Umsebenzi womgcinimafa namuhla uhlanganisa ukulawulwa kwezinhlekelele okuguquguqukayo, ngokwengxenye okubangelwa ukwanda kokungaqiniseki kwezimakethe, ngaphandle kwalokho okungeke kube nokulawulwa kwangempela kwenqubomgomo yezimali.

Umnyombo womsebenzi womgcinimafa ukuphatha imali usuku lwenani. Inhloso yawo ukwehlisa izindleko zezimali noma ukukhulisa imikhiqizo yezezimali ngokwesimo senkampani. Umgomo oyisisekelo wokuphathwa kwemali yedethi yenani obizwa ngokuthi “umthetho we-zero cash".

Kubandakanya ukugwema amabhalansi emali avumayo, amanani enzalo aphansi noma amabhalansi okudonswa kwemali okuholela ezindlekweni zezimali.

Ngakho-ke kumabhalansi wesikweletu kukhona a coût d’opportunité. Ilingana nomehluko wesilinganiso phakathi kwe-investimenti okungenzeka ukuthi kuxoxiswene ngayo kanye neholo eliyisisekelo le-akhawunti.

Emabhalansi emali edonswayo, kukhona a izindleko ezicacile. Ilingana nomehluko phakathi kwe-overdraft kanye nokuxhasa ngezimali okungabizi kakhulu.

Ukuphathwa kokugeleza kwemali kuhambisana nombono wendabuko womsebenzi womgcinimafa. Ibhekene nokucutshungulwa kwamarisidi emali kanye nokukhishwa kwezimali. Futhi inentshisekelo ekuhambeni kwezimali ngaphakathi kweqembu noma inkampani.

Ngenxa yokuthuthukiswa kwezinhlelo zekhompiyutha, ngokuvamile i-automated. I-IT inikeza amabhizinisi ithuluzi elibalulekile ekuphathweni kwemali. Ukuzenzakalela kwezibalo kuletha isivinini, ukwethembeka kanye nokuguquguquka ekusunguleni izibikezelo.

🌿 Indlela yokuphatha ukheshi ngempumelelo

Ukuphathwa kwemali kuhilela inqubo enezinyathelo ezimbili:

✔️ Ukulungiswa kwesabelomali semali 

Kuyidokhumenti yesikhashana efingqa amarisidi enkampani kanye nezimali ezikhokhwayo esikhathini esithile.

✔️ Ukuthuthukiswa kohlelo lwemali

Iwumbhalo ovela kowangaphambili futhi ohlanganisa izindlela zokuthola imali yesikhashana kanye nokutshalwa kwezimali okungase kube khona.

Isabelomali semali senza kube nokwenzeka ukuhlola jikelele, sKukhona ukungaguquguquki phakathi kwezimali zokusebenza kanye nezidingo zemali yokusebenza. Isabelomali esihlala sishoda noma esinqwabelene sibonisa ukuntula Kwemali Esebenzayo Kudingeka Kwemali Esebenzayo.

Lokhu kungenzeki kufanele kusikhuthaze ukuthi sibuyekeze ukuqagela okwasungulwa ngakho ibhajethi phezulu. Lokhu ikakhulukazi kuthinta ama-hypotheses avumela sungula ibhajethi yokuthengisa, ukuthenga nokutshalwa kwezimali.

Uma isabelomali semali siyimali enqwabelene kanye neshoda ngokushintshana, sibonisa isimo esingachazwa njengesijwayelekile.

Ekuqeqeshweni kwethu okuphelele, singena ngokuningiliziwe ngamacala asebenzayo. Lokhu kuqeqeshwa kunamamojula ama-2.

I-Module 1: Le mojula izokuvumela ukuthi wenze izibikezelo ezinhle zokuhamba kwemali. Uzoba namacala angokoqobo kuleli fayela.

Iyunithi 2: Le mojula izokuvumela ukuthi ulawule ukutshalwa kwezimali kwakho okuhlukile. kuzokuvumela ngokwesibonelo ukwazi izinsuku ezivumayo zokwenza idiphozithi noma ukhiphe imali ebhange.

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