Isabelomali saminyaka yonke sokuhlanza izisele akuvamile ukuba sibe into eqashelwa kakhulu. Ihlala ndawana thize kwisabelomali sokulungisa, ihlanganiswe nezinye izinsiza zezitshalo, ezivamise ukuthathwa njengezindleko ezimile ezingakwazi ukulawulwa. Lokhu kuyiphutha.
Izindleko zokuhlanza isilo zingaphathwa futhi zincishiswe. Okubalulekile wukuqonda ukuthi imali iya kuphi nokuthi yini eqhuba lezo zindleko. Ngalokho kuqonda, abaphathi bezitshalo bangakha icala lebhizinisi lokutshala impahla engcono, izindlela ezahlukene, noma izinhlelo zokuvimbela ezinciphisa kokubili izindleko kanye nengozi.
Lesi sihloko sihlinzeka ngohlaka lokuhlaziya izindleko zokuhlanza izisele, ukuhlonza amathuba okonga, nokwakha ikesi lebhizinisi eligunyazwayo. Isebenzisa izibonelo ezingokoqobo kanye nezibalo ezilula ezingasebenza noma yimuphi unjiniyela wezitshalo.
Lapho Ingena Khona Imali
Ukuqonda izindleko zokuhlanza izisele kuqala ngokuzihlukanisa zibe izigaba. Izindleko eziphelele zomcimbi wokuhlanza zihlanganisa umsebenzi, okokusebenza, ukulungiswa kokuphepha, ukuphatha imfucuza, ukulahlekelwa kokukhiqiza, kanye nesikhathi sokuphatha.
Umsebenzi ngokuvamile yizindleko eziqondile ezinkulu kakhulu. Ukuhlanza mathupha, abasebenzi bahlanganisa amaholo abasebenzi abahlanzayo, ukugadwa, abasebenzi abalindile ezokuphepha, kanye nabasebenzi abalungisayo befekthri abeseka umsebenzi. Emishinini esetshenziswa kude, izindleko zabasebenzi ziphansi ngoba kudingeka abantu abambalwa futhi umsebenzi uyashesha.
Izindleko zezisetshenziswa ziyahlukahluka kakhulu. Amathuluzi ezandla abiza kancane. Izisetshenziswa ezinamandla zibiza ngaphezulu. Imishini esetshenziswa kude ingabiza amashumi ezinkulungwane zamadola ukuhlanganisa. Ukukhethwa kwemishini kushayela isakhiwo sezindleko.
Ukulungiselela ukuphepha kuvame ukubukelwa phansi. Ukuhlolwa komkhathi, ukungena komoya, ukulinda kokuhlenga, kanye nempahla yokuzivikela yomuntu siqu konke kunezela izindleko. Lezi zindleko zenziwa kungakhathaliseki ukuthi ukuhlanza kuthatha isikhathi esingakanani.
Ukuphatha imfucuza kubandakanya ukukhishwa kwempahla esiseleni kanye nokulahlwa kwayo noma ukubuyiselwa ekucutshungulweni kwayo. Uma impahla iqinile noma ingcolisiwe, izindleko zokulahla zingadlula umsebenzi wokuhlanza.
Ukulahlekelwa kokukhiqiza kuvame ukuba yizindleko ezinkulu kodwa akuvamile ukulandelelwa. Uma isisele siphansi, ukukhiqizwa kuyama noma kuhamba kancane. Umnikelo olahlekile kulowo mkhiqizo uyizindleko zangempela zomcimbi wokuhlanza.
Isikhathi sokuphatha sihlanganisa amahora achithwa abaphathi bemishini, abaphathi bezokulungisa, nonjiniyela bephendula umcimbi nokuphatha umsebenzi. Lesi sikhathi siyizindleko ngoba sisusa ukunaka kwezinye izinto ezibalulekile.
Izindleko Zokuhlanza Okusebenzayo
Izikhungo eziningi zihlanza izisele ngokuqhubekayo. Zilinda kuze kume ukugeleza noma kuze kube yilapho isisele sesigcwele ukunqwabelana kangangokuthi amandla alahlekile. Bese bebiza usonkontileka bese bekhokha noma yini ebiza ukubuyisela ukusebenza.
Ukuhlanza okusebenzayo kuyindlela ebiza kakhulu yokuhlanza. Ukuphuthuma kusho ukuthi asikho isikhathi sokuthenga amabhidi ancintisanayo. Usonkontileka angakhokhisa ama-premium rates. Umsebenzi wenziwa ngesikhathi sokuphumula esingahleliwe, lapho ukulahlekelwa kokukhiqiza kuphezulu kakhulu.
Iphethini iyaphinda ngoba izindleko zomcimbi ngamunye zirekhodwa njengezindleko zesikhathi esisodwa. Akekho ohlanganisa isamba phakathi nonyaka. Akekho oqhathanisa nezindleko zokuhlanza okuvimbelayo. Umjikelezo osebenzayo uyaqhubeka.
Cabangela indawo enezisele eziyisithupha ezingaphumeleli kabili ngonyaka. Lokho yimicimbi eyishumi nambili yokuhlanza minyaka yonke. Uma umcimbi ngamunye ubiza amadola ayizinkulungwane ezingamashumi amabili ngezindleko eziqondile kanye nezinkulungwane ezingamashumi amane zamadola ekulahlekelweni kokukhiqiza, inani lezindleko zonyaka zingamadola ayizinkulungwane ezingamakhulu ayisikhombisa namashumi amabili.
Leyo nombolo inkulu. Kodwa ngenxa yokuthi isatshalaliswa unyaka wonke futhi ibonakala njengama-invoyisi ahlukene, ayivamisile ukuthi iqalise isicelo semali yezinto zokuvikela.
I-Preventive Alternative
Ukuhlanza okuvimbela kusho ukuhlanza ngaphambi kokuba kwenzeke ukwehluleka. Isisele sihlolwa njalo. Uma ukunqwabelana kufinyelela emngceleni onqunywe kusengaphambili, ukuhlanza kuhlelwa ngesikhathi sokuphumula esihleliwe. Umsebenzi wenziwa ngaphansi kwezimo ezilawulwayo ngaphandle kokulahlekelwa ukukhiqizwa.
Ukuhlanza okuvikelayo kubiza kancane umcimbi ngamunye. Ngenxa yokuthi umsebenzi uhleliwe, isikhungo singaxoxisana ngamanani angcono nosonkontileka. Ngenxa yokuthi izinto azihlanganisiwe kancane, umsebenzi uyashesha. Ngenxa yokuthi isisele asinalutho, ukukhiqizwa kuyaqhubeka phakathi nesigaba sokuhlola nokuhlela.
Umnotho wokuhlanza okuvimbelayo uqondile. Qhathanisa izindleko zonyaka zokuhlanza okusebenzayo nezindleko zonyaka zokuvikela ukuvikela kanye nezindleko zohlelo lokuvikela.
Esikhungweni esinama-silo ayisithupha kanye nemicimbi eyishumi nambili ngonyaka, ukuhlanza kabusha kubiza amadola ayizinkulungwane ezingamakhulu ayisikhombisa namashumi amabili. Uma ukuhlanza okuvimbelayo kunciphisa imicimbi kusukela kweshumi nambili kuya kwezintathu, futhi umcimbi ngamunye wokuvimbela ubiza uhhafu njengesenzakalo esisebenzayo, izindleko zokuhlanza zonyaka zehla zisuka ezinkulungwaneni ezingamakhulu ayisikhombisa namashumi amabili kuya ezinkulungwaneni ezingamashumi ayisishiyagalolunye. Lokho kuwukonga izinkulungwane ezingamakhulu ayisithupha namashumi amathathu zamarandi ngonyaka.
Uhlelo lokuvimbela lungase luhlanganise imishini yokuhlola, ukuqeqeshwa, futhi mhlawumbe nezinye izinsiza zokugeleza noma iziqhumane zomoya. Ngisho nalezi zindleko, ukonga kukhulu.
Ukwakha Icala Lebhizinisi
Ukwakha ikesi lebhizinisi lezinto ezingcono zokuhlanza izisele noma uhlelo lokuvikela kudinga izinto ezine: isisekelo, isiphakamiso, isiqhathaniso, kanye nezincomo.
Isisekelo yizindleko zamanje zokuhlanza izisele. Lokhu kufanele kufake izindleko eziqondile, ukulahlekelwa kokukhiqiza, kanye nesikhathi sokuphatha. Isisekelo kufanele sibhalwe ngedatha yangempela evela ezenzakalweni zakamuva. Izilinganiso zikholisa kancane kunezinombolo ezivela kuma-invoyisi namarekhodi okukhiqiza.
Isiphakamiso ukutshalwa kwezimali okunconywayo. Lokhu kungaba imishini yokuhlola, okokuhlanza okusetshenzelwa kude, izinsiza zokugeleza, noma inhlanganisela. Isiphakamiso kufanele sichaze ukuthi yini ethengwayo, izosetshenziswa kanjani, nokuthi ubani ozoyisebenzisa.
Ukuqhathanisa kukhombisa umehluko phakathi kwesisekelo nendlela ehlongozwayo. Lokhu ukulondoloza okuzokwenziwa yi-investimenti. Ukuqhathanisa kufanele kufake iminyaka eminingi ngoba okunye ukutshalwa kwezimali kunezikhathi ezinde zokubuyisela.
Isincomo siyasho ukuthi yini okufanele yenziwe futhi nini. Kufanele ifake umugqa wesikhathi, isabelomali, nohlelo oluzosetshenziswa.
I-Payback Calculation
Isikhathi sokukhokha yisikhathi esidingekayo ukuze ukonga kulingane nokutshalwa kwezimali. Iyimethrikhi evamile kakhulu yokuhlola ukutshalwa kwezimali kokulungisa.
Ifomula ilula. Isikhathi sokukhokha silingana nokutshalwa kwezimali okuhlukaniswa ngokonga konyaka.
Cabanga ngerobhothi lokuhlola elibiza izinkulungwane ezingamashumi amabili zamaRandi. Uma kuvimbela umcimbi owodwa osebenzayo ngonyaka ngesamba sezindleko zamadola ayizinkulungwane ezingamashumi ayisithupha, ukonga konyaka ngamadola ayizinkulungwane ezingamashumi ayisithupha. Isikhathi sokukhokha izinkulungwane ezingamashumi amabili zihlukaniswa yizinkulungwane ezingamashumi ayisithupha, noma izinyanga ezine.
Cabanga ngemishini esetshenziswa kude ebiza amadola ayizinkulungwane eziyikhulu namashumi amahlanu. Uma inciphisa izindleko zomcimbi ngamunye ukusuka ezinkulungwaneni ezingamashumi ayisithupha ukuya ezinkulungwaneni ezingamashumi amabili zamadola ngokususa izindleko zosonkontileka kanye nokunciphisa isikhathi sokuphumula, futhi uma isikhungo sihlangabezana nemicimbi emithathu ngonyaka, ukonga konyaka ngamadola ayizinkulungwane eziyikhulu namashumi amabili. Isikhathi sokukhokha izinkulungwane eziyikhulu namashumi amahlanu zihlukaniswa ngezinkulungwane eziyikhulu namashumi amabili, noma izinyanga eziyishumi nanhlanu.
Cabanga ngokuklama kabusha isisele esibiza amadola ayizinkulungwane ezingamakhulu amathathu. Uma inciphisa imvamisa yomcimbi isuka kokuthathu iye koyedwa ngonyaka futhi umcimbi ngamunye ubiza amadola ayizinkulungwane ezingamashumi ayisithupha, ukonga konyaka kuyikhulu namashumi amabili ezinkulungwane zamadola. Isikhathi sokukhokha ngamakhulu amathathu ezinkulungwane ezihlukaniswa yizinkulungwane eziyikhulu namashumi amabili, noma izinyanga ezingamashumi amathathu.
Izinkampani eziningi zidinga izikhathi zokukhokha ezingaphansi kweminyaka emithathu ukuze kutshalwe imali yesondlo. Utshalomali oluningi oluchazwe ngenhla luyahlangabezana nale mfuneko.
Ukubala Ukulahleka Kokukhiqiza Ngokufanelekile
Ukulahlekelwa kokukhiqiza kuvame ukuba yizindleko ezinkulu kakhulu zomcimbi wokuhlanza isisele, nokho iwona ovame ukubukelwa phansi. Isizathu siwukuthi abaphathi bezitshalo bagxila ezindlekweni zokuhlanza ngokuqondile futhi banganaki ukubaluleka kokukhiqiza okulahlekile.
Ukuze ubale ukulahlekelwa kokukhiqiza ngendlela efanele, sebenzisa imajini yomnikelo kunenani lokuthengisa. Umkhawulo womnikelo uwukuthengisa intengo kukhishwe izindleko eziguquguqukayo ezifana nezinto zokusetshenziswa kanye namandla. Uma ukukhiqiza kuma, lezi zindleko eziguquguqukayo azenziwanga, ngakho akufanele zibalwe njengemali engenayo elahlekile.
Isibalo siwukulahlekelwa kokukhiqiza kulingana namahora wesikhathi sokuphumula esiphindaphindwa ngezinga elivamile lokukhiqiza eliphindwe ngesilinganiso somnikelo ngeyunithi ngayinye.
Imboni kasimende ikhiqiza amathani angamakhulu amabili ngehora ngenani lomnikelo lamadola ayishumi ngethani. Umcimbi wesikhathi sokuphumula wamahora ayishumi nambili udala ukulahleka kokukhiqiza kwamadola ayizinkulungwane ezingamashumi amabili nane. Uma imboni isebenza ngenani elincishisiwe amahora ayisishiyagalombili ngaphambi kokumiswa okuphelele, engeza ukulahlekelwa okuvela kulokho okuncishisiwe.
Ukubala ukulahlekelwa kokukhiqiza ngendlela efanele kungaphinda kabili noma kathathu izindleko ezisobala zomcimbi wokuhlanza isisele. Lokhu kwenza icala lebhizinisi lokutshalwa kwezimali kokuvimbela libe namandla kakhulu.
Inani Lengozi Egwenyiwe
Ezinye izinzuzo zemishini yokuhlanza engcono kunzima ukuzilinganisela kodwa zingokoqobo. Lokhu kufaka phakathi ukuncipha kwengozi yezingozi, ukunciphisa ukuchayeka ngokomthetho, kanye nokuthuthukiswa kwezimilo zabasebenzi.
Ingozi ngesikhathi sokuhlanza izisele ingadla izigidi zamaRandi ngezindleko eziqondile nezingaqondile. Izindleko eziqondile zihlanganisa ukwelashwa, isinxephezelo sabasebenzi, nezindleko zezomthetho. Izindleko ezingaqondile zihlanganisa ukulahleka kokukhiqiza, isithunzi esilimele, kanye nezinkokhelo zomshwalense ezandayo.
Izijeziso ezilawulayo zokwephula ukuphepha zingaba nkulu. Ukwephulwa komthetho okukodwa nje kungabiza amashumi ezinkulungwane zamaRandi. Iphethini yokwephulwa komthetho ingabiza kakhulu.
Ukuziphatha okuthuthukisiwe kwabasebenzi kunzima ukukukala kodwa kubalulekile. Abasebenzi abazizwa bephephile bakhiqiza kakhulu futhi maningi amathuba okuthi bahlale nenkampani. Inzuzo ephezulu iyabiza.
Lezi zinzuzo kufanele zifakwe endabeni yebhizinisi, ngisho noma zichazwe ngendlela efanele kunokuba zilinganiselwe.
Ukuxhasa Ngezimali Investment
Isithiyo esikhulu sokutshala imali ezintweni ezingcono zokuhlanza izisele akuzona izindleko. Iwuhlelo lokwabiwa kwezimali. Izabelomali ezinkulu zisethwa minyaka yonke. Uma isicelo singangeni emjikelezweni wamanje wesabelomali, singahlehliswa unyaka noma ngaphezulu.
Kunezindlela eziningana zokuxhasa lezi zimali. Ukuqashisa okusebenzayo kuvumela isikhungo ukuthi sisebenzise izinto zokusebenza ngaphandle kwezindleko ezinkulu. Izinkokhelo zokuqashisa ziyizindleko zokusebenza, okungaba lula ukuzigunyaza kunesicelo semali.
Izivumelwano zokuqasha zingenye inketho. Okokusebenza okusetshenziswa ngezikhathi ezithile, ukuqasha kungase konga kakhulu kunobunikazi. Isikhungo sikhokhela imishini kuphela lapho sidingeka.
Ubunikazi bosonkontileka inketho yesithathu. Abanye osonkontileka banemishini esetshenziswa kude futhi bayakhokhisa ngokuyisebenzisa njengengxenye yesevisi yabo. Lokhu kugwema ukutshalwa kwezimali kwezimali ngokuphelele.
Uxhaso lwangaphakathi luyindlela ejwayelekile kakhulu. Umphathi wefekthri uhlanganisa ukutshalwa kwezimali esicelweni sesabelomali sekhepita sonyaka. Isicelo siqhudelana namanye amaphrojekthi okuthola uxhaso.
Ukuthola Ukuvunywa
Ukuthola imvume yokutshala imali yesondlo kudinga okungaphezu kokubala okuhle. Kudinga ukwethula udaba ngendlela abenzi bezinqumo abayiqondayo futhi abasekele ngayo.
Qala ngenkinga. Chaza isimo samanje nokuthi kungani singagculisi. Sebenzisa izibonelo ezithile ezivela ezenzakalweni zakamuva. Yenza inkinga ibe ngokoqobo.
Yethula ikhambi. Chaza ukuthi utshalomali luzokwenzani nokuthi luzoyixazulula kanjani inkinga. Chaza ukuthi izosetshenziswa kanjani futhi ngubani ozoba nesibopho.
Khombisa izinombolo. Yethula izindleko eziyisisekelo, izindleko ezihlongozwayo, nokonga. Sebenzisa amathebula namashadi alula. Gcina ukuhlaziya kuqondakala.
Bhekana nezingozi. Yini engase ingahambi kahle nge-investimenti? Zizolawulwa kanjani lezo zingozi? Akukho ukutshalwa kwezimali okungenabungozi. Ukuqaphela ubungozi nokuba nezinhlelo zokubulawula kwakha ukuzethemba.
Ncoma isinqumo. Yisho ngokucacile ukuthi yini ofuna umenzi wesinqumo ayigunyaze. Nikeza umugqa wesikhathi kanye nesabelomali. Kwenze kube lula ukuthi yebo.
Iqhaza Ledatha
Idatha enhle iyisisekelo sebhizinisi elihle. Izinsiza ezilandelela izindleko zokuhlanza izisele zinenzuzo ecacile lapho zenza izicelo zokutshala izimali.
Idatha kufanele ifake izindleko zomcimbi ngamunye wokuhlanza, ubude besikhathi sokuphumula, ukulahlekelwa kokukhiqiza, nesizathu sokuhlanza. Le datha kufanele iqoqwe ngokuqhubekayo futhi ibuyekezwe njalo.
Ngokuhamba kwesikhathi, idatha ibonisa amathrendi. Ingabe imicimbi iba njalo? Ingabe ziyabiza kakhulu? Ingabe amasilo athile ayinkinga kakhulu kunamanye? Lawa mathrendi asekela udaba lwebhizinisi lokuvikela ukutshalwa kwezimali.
Idatha isiza futhi ukubeka phambili ukutshalwa kwezimali. Isisele esinezindleko eziphezulu zomcimbi kufanele sithole ukunakwa kuqala. Isisele esinemicimbi evame kakhulu kufanele silandele. Lokhu kubeka phambili kwenza ibhizinisi libe namandla ngoba kukhombisa ukuthi ukutshalwa kwezimali kuqondiswe enkingeni enkulu.
Uhlelo Lokuqalisa
Indaba yebhizinisi echaza ukutshalwa kwezimali kodwa hhayi uhlelo lokuqalisa ayiphelele. Uhlelo lokuqalisa lukhombisa ukuthi utshalomali luzosetshenziswa kanjani.
Uhlelo kufanele lubandakanye ukuqeqeshwa. Ubani ozosebenzisa imishini? Bazokutholaphi ukuqeqeshwa? Kuzothatha isikhathi esingakanani ukuqeqeshwa?
Uhlelo kufanele luhlanganise nokugcinwa. Ubani ozonakekela imishini? Yiziphi izingxenye ezisele ezidingekayo? Kuzosingathwa kanjani ukuphuka?
Uhlelo kufanele lubandakanye izinqubo. Izosetshenziswa kanjani imishini? Yiziphi izinqubo zokuphepha ezisebenzayo? Izobhalwa kanjani imiphumela?
Uhlelo kufanele lufake umugqa wesikhathi. Izothengwa nini imishini? Izolethwa nini? Izosebenza nini?
Uhlelo olunemininingwane yokuqaliswa lubonisa ukuthi umfakisicelo uye wacabanga ngezici ezingokoqobo zokutshalwa kwezimali. Lokhu kukhulisa ukuzethemba futhi kuthuthukisa amathuba okugunyazwa.
Isibonelo secala - Irobhothi Lokuhlola
Indawo yokucubungula okusanhlamvu yayinezisele eziyisishiyagalombili ezazidinga ukuhlanzwa kabili ngonyaka. Umcimbi ngamunye wokuhlanza ubize izinkulungwane eziyishumi nanhlanu zamadola ezinkokhelweni zosonkontileka futhi ubangele ukulahleka kokukhiqiza kwamadola ayizinkulungwane ezingamashumi amabili. Izindleko zonyaka bezingamadola ayizinkulungwane ezingamakhulu amahlanu namashumi ayisithupha.
Lesi sikhungo sihlongoze ukuthi kuthengwe irobhothi elihlola amarandi ayizinkulungwane ezingamashumi amabili nanhlanu. Irobhothi lizosetshenziselwa ukuhlola isisele ngasinye ngekota. Uma ukunqwabelana kwakungaphansi komkhawulo, kwakungekho ukuhlanza okwakudingeka. Uma ukunqwabelana kwakungaphezu komkhawulo, ukuhlanza kwakuhleliwe ngesikhathi sokuphumula esihleliwe.
Ngemva konyaka owodwa wokusebenzisa irobhothi, imicimbi yokuhlanza yase yehlile isuka kweyishumi nesithupha yaya kwemine ngonyaka. Imicimbi emine yenziwa ngesikhathi sokuphumula esihleliwe, ngakho-ke akuzange kube khona ukulahlekelwa kokukhiqiza. Izimali zosonkontileka beziphansi ngenxa yokuthi umsebenzi wawuhleliwe futhi okokusebenza bekungahlanganiswanga kangako.
Izindleko zonyaka zehle zisuka ezinkulungwaneni ezingamakhulu amahlanu namashumi ayisithupha zamarandi zaya ezinkulungwaneni ezingamashumi ayisithupha zamadola ngezindleko zosonkontileka kanye nenani elincane lesikhathi somsebenzi. Ukongiwa bekungamadola ayizinkulungwane ezingamakhulu amahlanu ngonyaka. Isikhathi sokukhokha serobhothi besingaphansi kwenyanga eyodwa.
Isibonelo sekesi – Izisetshenziswa ezisetshenziswa kude
Isitshalo sikasimende sasinesisele esikhulu esasivaleka kathathu ngonyaka. Ukuvinjwa ngakunye kwakudinga izinsuku ezinhlanu zokuhlanza mathupha. Ukuhlanza mathupha kubiza izinkulungwane ezingamashumi amane zamadola ezinkokhelweni zosonkontileka futhi kubangele ukulahleka kokukhiqiza kwamadola ayizinkulungwane ezingamashumi ayisithupha. Izindleko zonyaka bezingamadola ayizinkulungwane ezingamakhulu amathathu.
Ifekthri iphakamise ukuthi kuthengwe imishini esetshenziswa kude ngezinkulungwane eziyikhulu namashumi ayisishiyagalombili zamadola. Izinto ezisetshenziswayo zazizosetshenziselwa ukuhlanza isisele ngaphandle kokungena. Umsebenzi wawuzothatha izinsuku ezimbili esikhundleni sezinhlanu, wehlise ukulahleka kokukhiqiza.
Ngemva kokuthenga izinto zokusebenza, imicimbi yokuhlanza yehla isuka kwemithathu iye kwemibili ngonyaka ngenxa yokuthi izinto zazihlanzeke kakhulu futhi zivimbele ukuphinda ziphindeke. Le micimbi emibili ibiza izinkulungwane ezingamashumi amabili zamaRandi isikhathi ngasinye kanye nokugcinwa kwe-opharetha. Ukulahlekelwa kokukhiqiza kwehlisiwe ngoba umsebenzi wawushesha.
Izindleko zonyaka zehle zisuka ezinkulungwaneni ezingamakhulu amathathu zamadola zaya ezinkulungwaneni ezingamashumi amane. Ukongiwa kube ngamadola ayizinkulungwane ezingamakhulu amabili namashumi ayisithupha ngonyaka. Isikhathi sokukhokha sasicishe sibe izinyanga eziyisishiyagalombili.
Lapho Indaba Yebhizinisi Ibuthakathaka
Kwesinye isikhathi ikesi lebhizinisi lemishini engcono ayisebenzi. I-investimenti inkulu kakhulu uma iqhathaniswa nokonga. Isikhathi sokukhokha side kakhulu.
Kulezi zimo, cabangela ezinye izindlela. Imishini yokuqasha ingase yonge kakhulu kunokuthenga. Ukusebenzisa osonkontileka abanamathuluzi angcono kunganciphisa izindleko ngaphandle kokutshala imali enkulu.
Futhi cabanga ukuthi inkinga ingaxazululwa ngendlela ehlukile yini. Ukulungiswa kwedizayini yesisele kungase kunciphise ukunqwabelana kanye nokuhlanza imvamisa. Ukushintsha kwezinto ezibonakalayo kungase kunciphise isidingo sokuhlanza.
Uma ingekho inketho enhle ekhona, yamukela isimo samanje futhi usiqaphe. Izimo ziyashintsha. Okungekona kwezomnotho namuhla kungase kube umnotho esikhathini esizayo.
Ukubuka Kwesikhathi Eside
Ukuhlanza isilo akuwona nje umsebenzi wokulungisa. Kuthinta ukukhiqizwa, ukuphepha, kanye nenzuzo. Ukubuka kwesikhathi eside kubona lokhu kuxhumana.
Ukutshalwa kwezimali kumishini yokuhlanza engcono kunciphisa izindleko eziphelele zobunikazi besilo. Banciphisa ingozi. Bathuthukisa ukwethembeka. Benza isikhungo sibe nokuncintisana kakhulu.
Umbono wesikhathi eside uyabona futhi ukuthi isimo samanje asimile. Izindleko zabasebenzi zizoqhubeka zikhuphuka. Imithetho yezokuphepha izoqhubeka nokuqina. Imodeli yokuhlanza esebenzayo izobiza kakhulu ngokuhamba kwesikhathi.
Ukutshalwa kwezimali okwenziwe namuhla kuzokhokha iminyaka. Icala lebhizinisi kufanele licabangele impilo ephelele yokutshalwa kwezimali, hhayi nje unyaka wokuqala noma emibili.
Isiphetho
Ukwakha ikesi lebhizinisi lezinto ezingcono zokuhlanza izisele akunzima. Kudinga ukuqonda izindleko zamanje, ukukhomba amathuba okuthuthukisa, kanye nokwethula udaba ngokucacile.
Izakhi ezibalulekile ziyisisekelo sezindleko zamanje, isiphakamiso sokutshalwa kwezimali, ukuqhathanisa okubonisa ukonga, kanye nesincomo sesenzo. Isisekelo kufanele sifake izindleko eziqondile, ukulahlekelwa kokukhiqiza, kanye nesikhathi sokuphatha. Ukuqhathanisa kufanele kubonise isikhathi sokukhokha.
Idatha ibalulekile. Izinsiza ezilandelela izindleko zazo zokuhlanza izisele zinenzuzo ecacile lapho zenza izicelo zokutshala imali. Idatha isekela icala lebhizinisi futhi isiza ukubeka phambili ukutshalwa kwezimali.
Imbuyiselo yokutshalwa kwezimali kwemishini yokuhlanza izisele ezingcono ivame ukuba yinhle kakhulu. Izikhathi zokukhokha ezingaphansi kweminyaka emibili zivamile. Ukonga kuyaqhubeka unyaka nonyaka.
Kubaphathi bezitshalo abangakaze bakhe ibhizinisi lokuhlanza izisele, umzamo wokuqala ungaba obaluleke kakhulu. Izobonisa izindleko zangempela zendlela yamanje kanye namandla okwenza ngcono. Futhi izoqala inqubo yokusuka kokusebenza kuya ekuhlanzeni kokuvimbela.
Izinzuzo zidlulela ngale kwezindleko. Izisetshenziswa ezingcono zisho umsebenzi ophephile, ukusebenza okuthembeke kakhulu, kanye nengozi encishisiwe. Lezi zinzuzo kunzima ukuzilinganisela kodwa azizona ezangempela kancane.
Icala lebhizinisi akukhona nje ngezinombolo. Imayelana nokwenza isikhungo siphephe, sithembeke kakhulu, futhi siqhudelane. Lelo yicala okufanele lenziwe.
