Konke mayelana nemali yokusebenza

Imali yokusebenza namuhla kunzima ukuqonda ngezinye izinkampani. Ukwazi ukuthi ibhizinisi lifana nesitimela, lidinga uphethiloli ukuze liqhubekele phambili. Imali yokusebenza yilokhu uphethiloli odingwa yinkampani.

Nguye onikeza ithuba lokuba inkampani ikhiqize inani futhi iqhubeke nokuthuthukisa. Sinezinhlobo zezimoto ezidla kakhulu kunezinye, kwesinye isikhathi ziyawohloka.

Kuyafana nangamabhizinisi. Uma ungafuni ukuzithola uphelelwa igesi phakathi nomgwaqo noma uphahlazeka, uzodinga ukubheka isitoko sakho. Kudingeka izimali.

Kulesi sihloko sikutshela konke mayelana nemali yokusebenza (FR). Kodwa ngaphambi kokuba siqale, nansi kanjani ukuphuma ezikweletini?

Asambe!!

🌿 Iyini Imali Esebenzayo?

I-FR yiyona isilinganiso esifanele sempilo yezezimali kanye nokusebenza kahle kwenkampani. Imele inani lezimpahla zamanje inkampani enazo ukuze ixhase izibopho zayo zesikhashana kanye nokusebenza kwansuku zonke.

Izimpahla zamanje zihlanganisa ukheshi, ama-akhawunti atholwayo (imali ekweletwa ibhizinisi amakhasimende alo) kanye nempahla (izimpahla ezithengiswayo).

Ngakolunye uhlangothi, izibopho zesikhathi esifushane, ezaziwa nangokuthi izikweletu zamanje, kuhlanganisa ama-akhawunti akhokhelwayo (imali inkampani eyikweleta abahlinzeki bayo), amaholo namaholo, nezintela. Imali yokusebenza ibalwa njenge ukususa izikweletu zamanje zezimpahla zamanje.

Un I-RF positive kubonisa ukuthi inkampani inezimpahla ezanele ukuhlangabezana nezibopho zayo zesikhathi esifushane futhi ixhase ngezimali ukusebenza kwayo. Nokho a FR negative kubonisa ukuthi ibhizinisi lingase libe nobunzima bokukhokha ama-invoyisi alo ngesikhathi. Le nkomba isetshenziswa kakhulu uma ukuhlaziywa kwezimali.

🌿 Ungayiphatha kanjani imali yokusebenza ngempumelelo?

Kunezindlela ezimbalwa amabhizinisi angazisebenzisa ukuze aphathe ngempumelelo imali yawo yokusebenza. Nazi ezimbalwa:

✔️ Ukwenziwa ngcono kwamazinga esitoko

Ukuphatha amazinga okusungula kuyisici esibalulekile sokuphathwa kwe-RF. Ibhizinisi elinempahla eyeqile lingahlanganisa izinsiza ezibalulekile ezingasetshenziswa ngokuphumelelayo kwenye indawo.

Ngakolunye uhlangothi, inkampani egama layo izitoko ziphansi kakhulu kungase kube nzima ukuhlangabezana nesidingo samakhasimende futhi kuphuthelwe amathuba okuthengisa.

✔️ Ukuxoxisana ngezinsuku zokugcina zokukhokha kwabahlinzeki

Amabhizinisi angaxoxisana ngemibandela yokukhokha evumayo nabahlinzeki bawo ukuze bathuthukise isimo sabo semali yokusebenza.

Isibonelo, inkampani ingase ikwazi ukuxoxisana ngemibandela yokukhokha isikhathi eside ukuze ithole ama-oda amakhulu noma izaphulelo zevolumu.

✔️ Iqoqo elithuthukisiwe lama-akhawunti ekhasimende

Ukuphathwa kwama-akhawunti atholwayo kungenye ingxenye ebalulekile yokuphatha imali yokusebenza. Ibhizinisi elikwazi ukuqoqa ama-akhawunti alo atholwayo ngesikhathi lizoba nemali yokusebenza eqinile.

✔️Ama-akhawunti okuphatha akhokhelwayo

Amabhizinisi angaphinda aphathe i-FR yawo ngokuphatha ngokucophelela ama-akhawunti awo akhokhelwayo. Lokhu kungase kuhilele ukuxoxisana ngemibandela yokukhokha evumayo nabahlinzeki, ukusebenzisa izaphulelo zokukhokha ngaphambi kwesikhathi, nokusebenzisa amasu okulawula ukugeleza kwemali njengokuhlanganiswa kwenkokhelo nokuhlanganiswa kwabahlinzeki.

✔️Ukwenza ngcono ukuphathwa kwemali

Ukuphatha ukheshi okusebenzayo okubalulekile ekuphatheni imali yokusebenza. Lokhu kungase kuhilele ukusebenzisa amasu anjengokunciphisa izindleko ezingadingekile, ukuqinisa ibhalansi yemali, nokusebenzisa inqubo yokubikezela imali.

✔️ Ukusetshenziswa kwezinsimbi zezimali 

Izinkampani zingasebenzisa amathuluzi ezezimali njengemigqa yezikweletu noma imali mboleko yesikhashana ukuze zilawule i-RF yazo.

Lawa mathuluzi angahlinzeka ngomthombo wezimali wesikhashana ukuze ahlangabezane nezibopho zesikhashana futhi athuthukise isikhundla se-RF yenkampani.

✔️ Sebenzisa ezezimali ze-supply chain

I-Supply chain financing iyindlela yokuxhasa ngemali ehilela ukusebenzisa inkampani yangaphandle ukuxhasa ngezimali ama-akhawunti enkampani akhokhelwayo. Lokhu kungathuthukisa isikhundla se-FR yenkampani ngokukhulula imali ebingaboshelwa kuma-akhawunti akhokhelwayo.

🌿 Kungani ulondoloze izinga elihle lemali yokusebenza?

Kubalulekile ukuthi amabhizinisi abuyekeze njalo amazinga emali yawo yokusebenza. Nazi ezinye izizathu:

✔️ Ngamabhizinisi anemisebenzi yesizini

Ibhizinisi elisebenza embonini yezinkathi ezithile zonyaka kungase kudingeke linakekele izinga eliphezulu le-FR ukuqinisekisa ukuthi inokungena nokuphuma kwemali okwanele ukuhlangabezana nezibopho zayo ngesikhathi esiphansi.

Ibhizinisi elinomjikelezo omude wokusebenza lingadinga futhi ukugcina a Inani eliphakeme kakhulu lama-FR ukuqinisekisa ukuthi inemali eyanele yokukhokhela izindleko zokusebenza kwayo ngesikhathi ilinde ukuthi imikhiqizo yayo ithengiswe bese iguqulwa ibe ukheshi.

✔️ Izinkampani ezinomjikelezo omude

Ngokufanayo, inkampani ekhiqizayo enomjikelezo omude wokusebenza ingase idinge i-RF ephakeme kunenkampani yesevisi enomjikelezo wokusebenza omfushane.

Ngaphezu kwalokho, inkampani enezinga eliphezulu lobungozi ingase idinge imali yokusebenza evamile ukuze iqinisekise ukuthi inezinsiza ezanele ukumelana neziphepho ezingaba khona.

🌿Ungabala kanjani imali yokusebenza?

Ibala imali yokusebenza ilula impela. Uma usuyitholile i-FR, ungatolika umphumela otholiwe:

✔️ Imali esebenza kahle 

Ifanelekela imali enqwabelene yensiza. Ngakho-ke lokhu kusho ukuthi inkampani yakho inezinsiza ezengeziwe eziyivumela ukuthi ikwazi ukuxhasa ngezimali izidingo ezihlukahlukene engase ihlangabezane nazo. Kuleli qophelo, udinga ukuqhathanisa i-FR yakho nezidingo zakho zemali yokusebenza ukuze uqinisekise ukuthi imali yakho ingaphatha futhi ihlangabezane nezidingo zakho.

✔️ Imali yokusebenza engalungile

Lokhu kusho ukuthi yakho ibhizinisi lisebunzimeni nokuthi ayinayo imali edingekayo yokubhekana nazo zonke izidingo zayo.

Kuleli qophelo, kuzomele azame ukuzixhasa ngezimali ukuhamba kwemali yesikhashana. Kulesi simo, siphakamisa ukuthi wenze ukukhushulwa kwemali, okuzokwandisa izinsiza zakho ezitholakalayo enkampanini.

✔️Imali esebenzayo inguziro

Lokhu kubonisa ukuthi inkampani yakho ingakwazi ukuxhasa ngokugcwele ukutshalwa kwayo. Kodwa mayelana nezidingo zayo zesikhathi esizayo, ngeke akwazi ukubekezelela.

Ngakho, akuyona a ukuma okuhle kakhulu kuyodingeka ilwe nezinqubo ezivumela ukuthi ikhulise izinsiza zayo ezifana, isibonelo, ukuthatha imali mboleko yesikhathi eside. Ngokwenza kanjalo, izokwazi ukumboza lesi sidingo futhi iqhubeke nemisebenzi yayo ku izimo ezivumayo.

⛳️ Iyini imali yokusebenza evamile?

I-normative working capital is izinga elincane lemali yokusebenza ukuthi inkampani okulindeleke ukuthi iyinakekele ukuze ihlangabezane nezidingo zayo zezezimali nezokusebenza. Ibalwa ngokusekelwe kumazinga emboni kanye nezimo ezithile zenkampani.

Kunezici ezimbalwa ezingathonya i-FRN yenkampani, okuhlanganisa uhlobo lwemisebenzi yayo, ubude bomjikelezo wayo wokusebenza kanye nezinga lobungozi obuhlobene nemisebenzi yayo. Ukugcina izinga elanele lemali yokusebenza evamile kubalulekile ku ukuzinza kwezezimali kanye nempumelelo yesikhathi eside yebhizinisi.

Ibhizinisi elinemali yokusebenza enganele lingase libe nzima ukuhlangabezana nezibopho zalo zesikhashana. Futhi ukungakwazi ukusebenzisa amathuba okukhula nokwanda.

Ngakolunye uhlangothi, inkampani imali yayo yokusebenza ingu ngokweqile kungamosha izinsiza ezingase zisetshenziswe kangcono ukwenza inzuzo noma ukuxhasa ngezimali ezinye izimali.

🔰 Izindlela zokunquma imali yokusebenza evamile

Ibalwa ngokusekelwe kumazinga emboni kanye nezimo ezithile zenkampani. Kunezindlela eziningana ezingasetshenziswa ukubala imali yokusebenza evamile, kuhlanganise nalezi ezilandelayo:

Izinkomba zemboni 

Le ndlela ihlanganisa ukuqhathanisa imali yokusebenza yenkampani nezilinganiso zemboni ukuze kutholwe ukuthi isezingeni elifanele yini..

 Isibonelo, inkampani esembonini yokudayisa ingaqhathanisa imali yayo yokusebenza nesilinganiso somkhakha ukuze ibone ukuthi ingaphezulu noma ingaphansi kwejwayelekile.

Umjikelezo wokusebenza 

Le ndlela ihlanganisa ukubala umjikelezo wokusebenza kwenkampani nokunquma inani lemali yokusebenza edingekayo ukuze kuxhaswe lo mjikelezo. Umjikelezo wemali isikhathi esisithathayo ukushintsha izinto zokusetshenziswa zibe izimpahla eziqediwe bese zibe ukheshi.

Isilinganiso semali yokusebenza 

Le ndlela ihlanganisa ukubala isilinganiso semali esebenzayo, okuyisilinganiso esiphakathi kwezimpahla zamanje nezikweletu zamanje.

Isilinganiso semali yokusebenza engu-1,0 sibonisa ukuthi inkampani inenani elilinganayo lezimpahla zamanje nezikweletu, kuyilapho isilinganiso esikhulu kuno-1,0 ibonisa ukuthi inkampani inezimpahla zamanje eziningi kunezikweletu, futhi a isilinganiso esingaphansi kuka-1,0 kubonisa ukuthi inkampani inezikweletu eziningi kunezimpahla.

Umjikelezo Wokuguqulwa Kwemali

Le ndlela ihlanganisa ukubala umjikelezo wokuguqulwa kwemali. Okusho ukuthi, isikhathi esisithathayo ukuze inkampani iguqule izinto zayo zokusetshenziswa zibe ukheshi. Umjikelezo wokuguqulwa kwemali ubalwa ngokukhipha inani lezinsuku ezithathwayo ukuthengisa uhlu lwempahla enanini lezinsuku ezithathayo ukukhokha ama-akhawunti akhokhwayo.

Indlela yomjikelezo wokusebenza

Indlela yomjikelezo wemali ibala imali yokusebenza evamile. Lokhu kusekelwe esikhathini esisithathayo ukuze ibhizinisi liguqule izinto zokusetshenziswa zibe izimpahla eziqediwe bese zibe ukheshi.

Le ndlela icabangela umjikelezo wokusebenza wenkampani othize kanye nezinga lobungozi elihlobene nokusebenza kwayo.

Amaphesenti agxilile endlela yokuthengisa

Iphesenti elinqunyiwe lendlela yokuthengisa ibala i-FRN njengephesenti lokudayiswa okulindelekile kwenkampani. Le ndlela isekelwe embonweni wokuthi inani elithile lemali yokusebenza liyadingeka ukuze kusekelwe iyunithi ngayinye yokuthengisa.

Indlela emaphakathi yemboni

Indlela emaphakathi yemboni ibala imali esebenza ngokujwayelekile ngokusekelwe emazingeni emali esebenzayo aphakathi kwezinye izinkampani ezisembonini efanayo. Le ndlela isuselwe embonweni wokuthi izinkampani ezisembonini efanayo zinezidingo ezifanayo zezimali zokusebenza.

Kubalulekile ukuqaphela ukuthi ayikho indlela yokulinganisa eyodwa yokubala i-FRN. Amabhizinisi kufanele acabangele isimo sawo esithile futhi akhethe indlela ehlangabezana nezidingo zawo kangcono.

🌿 Kungani imali yokusebenza evamile ibalulekile?

Ukugcina izinga elanele lemali yokusebenza okujwayelekile kubalulekile ekuzinzeni kwezezimali nempumelelo yesikhathi eside yebhizinisi.

Ibhizinisi elinemali yokusebenza enganele lingase lithwale kanzima ukuhlangabezana nezibopho zalo zesikhashana futhi lingakwazi ukusebenzisa amathuba okukhula nokwanda. Lokhu kungase kuholele ebunzimeni bezimali noma ngisho nokuqothuka.

Lokhu kungase kubangele izinzuzo eziphansi zokutshalwa kwezimali kanye nokwehliswa kwenani labanikazi bamasheya. Ngakho-ke, kubalulekile ukugcina izinga elanele lemali yokusebenza evamile ngezizathu eziningana:

Ukuzinza kwezezimali

Ibhizinisi elinemali yokusebenza enganele lingase lithwale kanzima ukuhlangabezana nezibopho zalo zesikhashana futhi libe sengozini yokucindezeleka ngokwezimali. Lokhu kungaholela ebunzimeni bokuthola imali, kube nzima ukukhokha izikweletu ngesikhathi, futhi okungenzeka ngisho nokuqothuka.

Ukusebenza kahle

Imali yokusebenza isetshenziselwa ukuxhasa imisebenzi yansuku zonke yebhizinisi. Ibhizinisi elinemali yokusebenza enganele lingase lithwale kanzima ukuhlangabezana nezidingo zalo zokusebenza futhi lingakwazi ukusebenza ngempumelelo.

Ukukhula nokwanda

Ibhizinisi elinemali eyanele yokusebenza lizoba nezinsiza zokusebenzisa amathuba okukhula nokwanda. Lokhu kungaholela ekwenyukeni kwenzuzo kanye nenani labanikazi bamasheya.

Ukuzethemba kwabatshalizimali

Abatshalizimali nabahlaziyi bezezimali bavame ukusebenzisa imali yokusebenza ukuze balinganise impilo yezezimali nokuzinza kwenkampani. Inkampani enezinga elinempilo le-FRN maningi amathuba okuthi ihehe abatshalizimali futhi idale ukuzethemba kwabatshalizimali.

Ngakho-ke kubalulekile ukuthi izinkampani zilawule ngokucophelela imali yazo yokusebenza evamile. Lokhu kuzobenza bakwazi ukuthola ibhalansi enempilo phakathi kwezimali ezanele kanye nokusebenzisa kahle izinsiza. Lokhu kungasiza ukuqinisekisa ukuzinza kwezezimali kanye nempumelelo yesikhathi eside yebhizinisi.

🌿 I-FAQ: Konke mayelana nemali yokusebenza

✔️Iyini imiphumela yemali enganele yokusebenza?

Imiphumela ye-FR enganele ingabandakanya ukucindezeleka kwezezimali, ubunzima bokuthola imali, ubunzima bokukhokha izikweletu ngesikhathi, noma ngisho nokuqothuka. Kungase futhi kuholele ekungasebenzini kahle kanye nobunzima bokusebenzisa amathuba okukhula.

✔️Ingabe ukubalwa kwemali yokusebenza kuyadingeka?

Njengoba nje umshayeli onekhono ehlola imoto yakhe ngemva kwesikhathi esithile, ungumphathi webhizinisi omuhle kufanele ihlole impilo yezezimali wenkampani yakhe ukuze aqiniseke ukuthi uzokwazi ukuhlangabezana nezibopho zakhe phakathi nesikhathi esinqunyiwe esilindelekile. Kulokhu, elinye lamathuluzi angcono kakhulu ukuzimisela imali yokusebenza.

Siqedile. Sithemba ukuthi imali yokusebenza ayinazo izimfihlo zakho. Sishiyele umbono wakho kumazwana.