Ixesha Mann - luphawu oluphambili le mali

Kwimeko beqokelela capital ngokwaneleyo (umntu Ukutsho ke ndithi, ukuvela intsalela of capital, ongayi inxaxheba kwishishini kwabo), abantu babucala kunye namaziko zemali ucinga indlela yokwenza imali ekhoyo okwethutyana ezamahala ukusebenza, ngenxa yokuba self-ukwandiswa capital na umsebenzi wayo ophambili . Ukuze siqonde indlela ngokukhawuleza lo usomashishini uqala ukuze bazuze imali utyalo Lixesha payback abaliweyo. Oko kuthetha nani nokuba ibalwe njani na, siya ukuchaza kweli nqaku.

Ithuba payback lotyalo ubonisa indawo apho ingeniso evela kutyalo-mali luya kugqithisela isixa mali ngokwawo kwaye le projekthi iza kuqalisa ukwenza ingeniso net. Kubalwe le salathisi kubalulekile-mali, kuba oko kunika ithuba ukuvavanya Umngcipheko projekthi kunye nexesha apho akakwazi ukusebenzisa resource olungisiweyo.

Nanku umzekelo olula. Ukuba le projekthi imali izigidi zeerandi yaye isixa-mali sengeniso yonyaka ezilikhulu lamawaka eerandi, ixesha payback uza kuba neminyaka elishumi. Ngophanya nje lweliso, kusenokubonakala ngathi ukuba ngokukhawuleza ngakumbi ukuhlawula le projekthi, kokukhona kuya kuba ukutyala imali, kodwa enyanisweni akunjalo, yaye ngezantsi siya kuchaza ukuba kutheni.

Ekubaleni isithuba payback lotyalo - njengenkqubo ebaluleke olwandulela isigqibo inxaxheba okanye ukwala ukuba bathathe inxaxheba ndicela le nto okanye loo projekthi. Kuxhomekeke kwixesha kweprojekthi, ingasetyenziswa iindlela ezahlukeneyo:

1. Ukuba iiprojekthi short-term (omnye), abaliweyo kwi eqhelekileyo sokubuyisa ixesha lotyalo - yabucala kwisahlulo lityale imali kwi yenyanga xa iyonke. Le nkqubo ikuvumela ukuba ukubala, xa imali yethu koko kuthiwa ixabiso elizayo.
2. Ukuba le projekthi iya kuba iminyaka embalwa, uyacebiswa ukubala ixesha payback ngesaphulelo lotyalo-mali evumela ukuba ukuqikelela xa siza kubuyela imali esityalwe ixabiso yangoku. Umahluko phakathi iindleko zangoku elizayo kukuba imali kuxhomekeke kwinkqubo emali, ithetha ukuba ukwehla. Ngoko ke, ukuba izigidi zeerandi namhlanje, unako ukuthenga inani elikhulu lamaxabiso ngokwenene kunokuba efanayo dollar yezigidi kwiminyaka elishumi. Ukuze uqonde, xa sibuyela isixa imali kwi xabiso elilo ngexesha zotyalo-mali, ibalwe ixesha payback ngesaphulelo. Ukuze kubalwe le salathisi yeeprojekthi zexesha elifutshane musa ukwenza ingqiqo, ekubeni uqoqosho ngaphezulu okanye ngaphantsi esitalini, ukunyuka kwamaxabiso kunyaka lo umyalelo 5-7 ekhulwini yaye ngokwemiqathango ebekiweyo ukuzitshintsha kwimeko engcono kakhulu iiveki ezimbalwa, ngokuba ishishini enkulu ngokubanzi ayikho ixesha, kuthathelwa ingqalelo. payback ngesaphulelo lula kubalwa ngolu hlobo lulandelayo: ixesha Simple liphindaphindwe isixa iiyunithi, kwaye avareji kwamaxabiso ngonyaka, bavuselwa igunya lilingana nenani leminyaka zotyalo-mali.

Kunye cash flow, ikamva kunye nexabiso langoku lemali, ixesha payback mali yenye yeempawu ezibalulekileyo esetyenziswa yi umphathi. Kubalulekile ukuqaphela ukuba ezinye payback ngokukhawuleza lidla ezinxulumene ne basengozini - eliphezulu izinga lokubuya, yingozi ngakumbi lihamba eziyimfuneko ukwenza ukuze kuphunyezwe oko. Ngoko ke, asingabo bonke Pozar yomtyali kwi izinga wokubuyiswa 300% kunye payback kwiinyanga ezine - ukuba kungenzeka ophezulu kakhulu ukuba utyalo-mali lwakhe uya ayitshise njengoko ngenxa yokungakhathali okanye okulawula. Investments efanayo imveliso ngaphantsi kunye payback ngokunxamnye elide, sithembele ngakumbi.