Ixabiso lentengo: ubuncinane, iindlela zokuzimisela, injongo kunye nobubanzi bokusetyenziswa

I-Capital, ngokwengqondo yezoqoqosho, ayichazi nje kuphela umphumo wemisebenzi yezoqoqosho kunye noqoqosho, kodwa nayo into ezimeleyo, indlela yokwandisa ixabiso lesantya. Oko kukuthi, igama elithi "imali lenza imali" alinakusetyenziswa ngokuthe ngqo ukufumana imali. Njengazo naziphi na iindlela zokuvelisa ingeniso, imali-mali inenani layo . Ixabiso lentengo lichongiwe liqela lezinto kunye nezibonakaliso zemali.

Eli gama liqondwa lizinga lemali elilindelekileyo lomtyalo ekutyalweni kweempahla zakhe zezimali. Ngamanye amazwi, intengo yemali yinqanaba lemali engenayo ukusuka ekubekeni utyalo-mali, otyalo-mali atyalindela ixesha elithile lokusebenzisa imali ngezinga elingenakwenzekayo lokungcipheka kotyalo-mali.

Njengoko kubonakala, iindleko zemali zikhutshwa yizinto ezinjengoku:

- ubungakanani bokubuyiselwa kolunye utyalo-mali. Kuhlala kwamukelwa ukuthelekisa inqanaba elilindelekileyo lokubuyela kwi-investment ngamanani omyinge omyinge kwixesha lokufaka imali, iibhanki zorhwebo kummandla;

- inani leengozi zotyalo-mali. Emva kwakho konke, ngokwemigqaliselo ye-theory yezoqoqosho kunye nokulawulwa kwemali, icandelo lebhanki linomngcipheko ophantsi kakhulu wokubekwa kwezimali, kwaye ngokufanelekileyo - inqanaba eliphantsi kakhulu lentengo-mali. Okuphakamileyo kwinqanaba lomngcipheko wotyalo-mali, iphakamileyo ixabiso lentengo. Ngako oko, abo bafuna ukukhawuleza benze ingozi enkulu yemali ngaphezu kootyalo-mali abakhetha inkxaso encinci kodwa ezinzile kwaye eqinisekisiwe evela kutyalo-mali.

I-entrepreneurship inezintlobo ezahlukeneyo zokuzuza. Ngokuxhomekeke ekukhetheni uhlobo lwezimali, ixabiso lentengo lixhomekeke. Ngokomzekelo, iintlobo ezingekho mthethweni okanye ezilinganiselweyo zenkxaso-mali yokufumana imali kwiingxowa-mali, amaxesha amaninzi aphezulu kunexabiso lentengo-mali. Kodwa inqanaba lomngcipheko liphezulu ngokukhawuleza, kuba isilwaphulo sobungozi singasongela. Umsebenzi osemthethweni wezoqoqosho uthetha umvuzo osisigxina wexesha elide, kodwa ngexabiso elincinci.

Ixabiso elilinganiselweyo lentengo yexabiso eliyinkunzi libekwe njengepesenti yexabiso lokutsalwa, ngokuqwalasela ixesha lotyalo-mali, kwaye kuthiwa liphulelo. Inkqubo yokubala iyalingana nokubala inzala yebhanki, eqinisweni, isaphulelo kwisityalo-mali kwicandelo lebhanki ngokudlulisela amalungelo ekulawuleni iimpahla zayo zeemali kwiqela lemali-mali elibandakanyekayo-kwiziko lebhanki.

Abadlali bemakethi abaqeqeshiweyo - amaziko eemali (amabhanki, iinkampani zomshuwalense, iimali ezihlangeneyo, iimanyano zemali kunye nabanye) ziqokelela imali kubasomali-mali (abatyala-mali), apho bafaka khona iiphothifoliyo, apho ixabiso kunye nesakhiwo esiphezulu sisisayina sokuhlengahlengisa . Ukongeza kumaziko emali, abatyali-mali bangaba ngabanye, amashishini kunye nabanikazi babo. Ixabiso lentengo-mali eyityalo-mali ihluke kwiimpawu zayo ezicacileyo: ixesha, ubukhulu kunye nobungozi.