Imali yokusebenza ingumthamo wezimpahla zamanzi ukuthi inkampani ikhona. Imali yokusebenza iyadingeka ukukhokha izindleko ezihleliwe nezingalindelekile, ukuhlangabezana nezibopho zesikhathi esifushane zebhizinisi, nokwakha ibhizinisi. Ukuntuleka kwemali yokusebenza kwenza kube nzima ukuheha abatshalizimali noma ukuthola izikweletu zebhizinisi noma ukuthola isikweletu.
Iyini Imfomu Yokubika Ukunquma Ibhizinisi Lokusebenza?
Ifomula yokubalwa kwemali esetshenziselwa ukubala imali ekhona yokusebenza yebhizinisi yilezi:
Impahla Yamanje - Amathente Amanje = I-Capital Capital
Imali yokusebenza ingabonakaliswa njengenombolo enhle noma engalungile kuye ngokuthi ingakanani isikweletu esithwala ibhizinisi.
Kuphi Ukusebenza Kwezingqalasizinda Ezivela Kuzo?
Kusukela ekubonweni kokuphendula, imali esebenzayo ivela ku:
- Umholo ophelele;
- Imalimboleko yesikhathi eside (izikweletu ezingekho zamanje);
- Ukuthengiswa kwezimpahla ezinkulu (okungezona okwamanje); futhi
- Izikhwama zanikelwa ngabanikazi nabatshalizimali (abanikazi bamasheya).
I-Capital Capital iyadingeka ukuthi iqale futhi ikhule ibhizinisi
Lapho uqala ibhizinisi udinga imali yokuqala yokusebenza kusukela ibhizinisi lingakenzi imali ukuze lizinakekele. Isizathu esisodwa isizathu sokuthi amabhizinisi amaningi ahluleka ngesikhathi sokuqala kweminyaka emibili yokusebenza ngenxa yokungabi nemali yokusebenza.
Ukuba nekhwama elisebenzayo elisebenzayo akusizi kuphela ukuhlangabezana nezibopho zakho, kubalulekile ekukhuleni ibhizinisi lakho.
Izindlela Zokuvuselela Ukusebenza Kakhulu
Njalo ibhizinisi elisha libhekene nenselelo yokukhulisa imali yokusebenza.
Nazi ezinye zezindlela ongayenza ngazo imali eyinhloko yebhizinisi lakho elisha noma elikhona:
- Ukuboleka Imali Evela Emndenini Noma Abangane - Uma uboleka kumuntu onomuntu obuseduze naye kubalulekile ukuthi usaphatha zonke izenzo zezezimali njengebhizinisi. Qinisekisa ukuthi zonke izikweletu noma izimali ezivela kubathintana nabo zilotshiwe. Ukuze uthole iziqondiso ezisebenzayo zokuthengiselana kwebhizinisi namalungu omndeni nabangane, funda " Indlela Yokubuza Umndeni Nabangane Ngayo Imali Yebhizinisi."
- Ukuxhaswa Kwesikweletu (Thatha Imali) - Izinhlobo zemali mboleko ezitholakala kuwe zizoxhomeke kakhulu kukhredithi yakho, uhlobo lwebhizinisi oqalayo, nohlobo lwesakhiwo sebhizinisi oye wanquma. Kunezinhlobo eziningi zemali yokukhokhela izikweletu okufanele zicatshangelwe ezihlanganisa imithwalo yempahla, ama-microloans, kanye nemithombo kahulumeni.
- Ukukhulisa iziKhwama ngokusebenzisa ama-Crowdsourcing - Abanini-zimabhizinisi abaningi abaqhamukayo baye baphakamisa imali yokusebenza ngokubheka abantu abaningi.
- I-Groupon - Lapho umnotho wehla ngo-2008, abanikazi bebhizinisi abaningi basebenzisa i-Groupon ukuze kutholakale ukheshi okusheshayo. Qaphela lapho usebenzisa amaspredishithi wokukhangisa ne-voucher njenge-Groupon ngoba ungaqeda ukulahlekelwa imali eyengeziwe ekufanele uyenze ngokuhamba kwesikhathi.
- Izibonelelo - Kunezinhlelo eziningi zezinhlangano zikahulumeni nezesifundazwe ezinikeza izibonelelo ekuqalisweni okusha. Qala ngokubiza ikamelo lakho lendawo yezohwebo bese ubuza ukuthi kukhona yini izibonelelo noma izinhlelo zokukhuthaza ukuqala ibhizinisi elisha endaweni yakho.
Isifingqo
Imali yokusebenza yimali oyidingayo ukumboza izindleko zebhizinisi , ukuhlangabezana nezibopho zesikhashana, nokukhulisa ibhizinisi lakho. Imali eyinhloko yokuqala-yimali oyidingayo ukuqala ibhizinisi kuze kube yilapho ikhiqiza imali eyanele yokukhokha yona. Ukuqala nokukhishwa kwemali kungabalwa ngemalimboleko, izibonelelo, abatshalizimali kanye nabalingani, kodwa abesifazane abaningi bebhizinisi basebenzisa izinsiza zabo zezimali ukuze baxhashe amabhizinisi abo.