Ukucindezeleka Kwemisebenzi Yinkampani Ebiza Izindleko $ 300 Billion ngonyaka
Ngezinombolo, ukucindezeleka kulinganiselwa ukuthi kubiza amabhizinisi ase-US $ 300 billion ngonyaka-noma $ 2,000 ngomsebenzi ngamunye unyaka ngamunye, ngokwembiko ka- 2015 Work Benefits Report: Ukusiza abasebenzi ukuthi baphile impilo yabo engcono kakhulu yezezimali .
Isizathu esisodwa sokucindezeleka ukucindezeleka kwezezimali, ngombiko omusha ukufakazela ukuthi abasebenzi abangu-85% babike okungenani ezinye zezinga lezimali, ngokusho kwe- American Psychological Association ne- Financial Finesse
Izinombolo aziqambi amanga, futhi zimise ukukhiqizwa kwemali kanye nokwehla kwemali okubangelwa ukucindezeleka kwabasebenzi, abasebenzi be-HR bacindezelwe kunanini ngaphambili ukubhekana nenhloko yenkinga.
Khokha imali Euphoria
Abaningi bajwayele izihloko ezimbili ezihamba phambili zezindaba ezihlobene nezithiyo zezezimali zabasebenzi. NgoJanuwari, i-Walmart yamemezela ukuthi abangaphezu kwezigidi ezingu-1.2 abahlobo bayo bazothola ukwanda kwenkokhelo ngaphansi kweminyaka emibili yenkampani, ukutshalwa kwemali eyizigidi eziyizigidi ezingu-2,7 ezisebenzini. Ukuphakama kwentela kungenye yezinsuku ezikhulu kunazo zonke, ukukhushulwa kwentela yangasese.
I-Seattle-based Gravity Payments nayo yabe ishicilelwe lapho i-CEO ithi ibeka isamba esisha semali engama-dollar angu-70 000 kumsebenzi ngamunye.
Kamuva wathola ukubuyela emuva lapho amakhasimende aqinekile eshiya ibhizinisi njengoba ukuthutha kubhekwa njengesitatimende sezombangazwe noma isizathu sokwandisa imali.
Akumangalisi ukuthi enye yezindlela ezinhle kakhulu zokuthuthukisa ukuphathwa kahle kwezezimali - nokunciphisa ukucindezeleka okuhambisana nokukhokha okukhokhelwayo-ngokukhokha - ngokukhipha inkokhelo yokuhola yenkampani.
Ngeshwa, kubaqashi abaningi, lokhu akuyona into engokoqobo, kungenzeka, noma ngezezimali. Akuyona into engabaphathi abaningi abangayikekela.
Uzohlale ufuna ukukhokhela ukukhokhelwa nokukhokha kwamanje ngezikhawu zezinga likazwelonke lokukhokha ingxenye yeresiphi yakho yokufeza izinhloso zenhlangano. Kodwa, unganciphisa ingcindezi yezezimali zabasebenzi ngezinye izindlela. Ungakwenza lokhu ngokulandela lezi zinyathelo ezintathu - akukho okunye okudinga ukhethe amanani entengo ukuze usebenzise.
Isinyathelo 1: Bheka Ngaphandle Kokuhlelwa Kwemhlalaphansi
I-SHRM isanda kubheka umthelela wezinselelo zezezimali emsebenzini ukuze uzame kangcono ukuthi kungani abasebenzi beqhubeka behlupha ngokwezimali, njengoba umnotho uphuthukisa. Ngokusho kochwepheshe be-HR kwi- Findings Survey ye-SHRM: UkuPhepha Kwezezimali Emsebenzini , ukuhlelwa komhlalaphansi kwahlatshwa umkhosi njengoba umnikelo wezezimali ukhathazeka kakhulu kubasebenzi.
Kufanele njalo ukhuthaze abasebenzi bakho ukuba balungiselele ikusasa. Noma kunjalo, ochwepheshe be-HR kudingeka baqonde ukuthi ubuhle bezezimali abukho futhi buyenziwe. Izinketho ezifana nohlelo lwama-401 (k) aluvame ukuphendula ngokususa ukucindezeleka kwezezimali. Futhi akuzona ngokushesha ukuthokozisa ama-76% wabasebenzi baseMelika abaphila ngokukhokhwa okukhokhelwayo, ngokusho kohlolo lweBhangerate.com .
Uma ubheka i-lens yomsebenzi, ukukhathazeka kwabo kwezezimali okuphezulu akutholakali okwanele kokonga izindleko zezindleko ezingalindelekile. Leli qiniso liqinisekiswe ocwaningweni lwamuva lwe-PwC.
Ukunciphisa ukucindezeleka kwezimali kanye nokukhathazeka, abaqashi kufanele bahlole ukunikeza izinzuzo zemali enempilo ezivumela abasebenzi ukuba benze ukuthenga okukhulu, okungalindelekile, noma okuphuthumayo, ngaphandle kokusebenzisa izindlela eziphakeme ezibiza emakethe namuhla.
Lesi yisisombululo sangempela sempilo esingabahlinzeka ngabasebenzi ngokukhululeka kokucindezeleka futhi futhi, indawo yokusebenza ekhulayo futhi egxile kakhulu.
Isinyathelo sesi-2: Buyela emuva kuZisekelo
Iseluleko esiphezulu sesabelomali kanye nemfundo singakwazi ukukhuluma ngokugcwele kumsebenzi wanamuhla. Isimo sezezimali somuntu wonke kanye nokucindezeleka okuhambisana naye kuyahlukile kubo, kodwa ungakwazi ukwabelana ngemigomo eyisisekelo, engapheli isikhathi esizosiza abasebenzi ukuthi baqondise izimali.
Cabanga ukudala ilabhulali yezemali ukubeka imikhuba enomthwalo wemfanelo. Yithenge ngokuqukethwe okufaka isabelomali, ukuzuza okungenzeka, ukuchitha imali, umhlalaphansi kanye nokulondolozwa.
Uma ithimba le-HR lifuna ukuthatha imtapo yamathuluzi ezingeni elilandelayo, ingahlola isidlo sasemini-futhi-ifunda lapho uchwepheshe wezezimali ehamba ngesihloko ngasinye ngokuningiliziwe. Isibonelo, isihloko sokwabiwa kwesabelomali singagxila ekubalukeleni kokukhokha izikweletu ngesikhathi, ukugcina izindleko ezilawulwayo, kanye nobunzima bekhredithi evukelayo.
Kungakhathaliseki ukuthi uthatha indlela, i-HR kufanele ikhulume ngokuphumelelayo nokutholakala komnikelo wokukhuthaza ukubamba iqhaza futhi ubone imiphumela.
Uma umtapo wezincwadi wezezimali weqile ukhathazekile, thola induduzo ngoba izinkampani zizohambisa ngokucacile lolu lwazi kubaqashi mahhala, zingabi naso isibopho kwithimba le-HR.
Isinyathelo sesi-3: Yiba Nsiza Yezokuphepha Ezokuphepha Nezingaphephile
Lapho kuhlaziywa ukuthi kungani ukucindezeleka kwezezimali kusebenza emsebenzini, kunzima ukungazinaki iqiniso lokuthi izinhlelo eziningi zokuphila kahle zihlelwe ngokungahlosiwe ngezidingo zokuphepha ngokwezimali. Bayiqaphele izidingo zalabo abanokuphepha ngokwezimali.
Iseluleko sokutshala izimali kanye nokuhlelwa komhlalaphansi kuhle. Awukwazi ukuphika ukuthi angasiza ekunciphiseni ukucindezelwa okuvamile. Kodwa-ke, la maqhinga angeke ahlinzeke izinhlangano ngokubuya kwawo okuhle njengoba zihambisana nenani labantu abasebenza ngokugcwele.
Manje ukuthi uyazi ukuthi ukukhathazeka okuphezulu kwezezimali kwabasebenzi abaningi kunemali yezindleko ezingalindelekile, engeza izinhlelo zabasebenzi ababhekana nalesi sidingo. Hlola izinketho ezifaka izinhlelo zokuthenga ezingenasithakazelo.
Ngezibalo, abasebenzi abangu-94% bavumelana noma bavuma ukuthi ukufinyelela ohlelweni lokuthenga abasebenzi kunciphisa ukucindezeleka kwabo kwezezimali nokucindezeleka ngokusho kocwaningo olubheka umthelela we "9 kuya ku-5" wokucindezeleka kwezezimali. Ukugcwalisa i-gap yezinzuzo zezimali zenkampani ngalolu hlobo lwenqubo ingenye yezindlela ezilula zokukhululeka abasebenzi bezinkinga zemali yokukhokha.
Futhi, izinketho zanamuhla zenzelwe ukuqinisekisa ukuthi i-HR pros ingaqalisa uhlelo kungakapheli amahora angu-24. Lokhu kunciphisa ukukhathazeka kokuthatha enye inzuzo edla isikhathi esiningi. Ukugcinwa kwezindleko okubuyiselwa kwenkampani nge-talent yokuthola, ukugcinwa , ukwethembeka, ukuzibandakanya , kanye nokukhiqiza kungakwazi ukubeka ngokushesha i-HR ithimba njengabaholi abaqhubekayo abathuthukisa idumela lenhlangano yabo.
Okubalulekile
Ayikho i-wand magic ezokwenza ukuthi ukucindezeleka kwendawo emsebenzini kungabikho, kodwa ukuphuma emithonjeni yayo kungasiza ukubeka izinkampani endleleni eya empumelelweni.
Ucwaningo lubonisa ukuthi abaqashi abafaka imali ekufundiseni abasebenzi ngemali yabo siqu bazobona ukubuyiselwa kwe-3 kuya kwe-1 ekutshalweni kwezimali, bakhulise umgomo wabo, futhi bajabulele abasebenzi abanelisekile nabakhulayo. ("Isikhathi Sokudala Abasebenzi Bokufunda Ngezezimali Ukuthuthukisa I-Bottom Line." Izinzuzo Zokuxhaswa I-Digest 46 (4): 1, 11-14)
Ngabasebenzi abathathu kwabayisishiyagalombili abahlala ekhokha-pay-paycheck, isici sokucindezeleka kwesisebenzi angeke siphume ubusuku bonke, kepha akukaze kube yisikhathi esingcono sokubhekana nalolu daba ngosizo oluvela ezinzuzweni eziphumelelayo zempilo.