Izinsiza zingasiza ibhizinisi lisebenze ngokushesha, lithathe imisebenzi emikhulu noma lithuthukise ikhwalithi. Umshini, imoto noma ithuluzi ethembekile lingaba umehluko phakathi kokuthola umsebenzi nokuluwala.
Kodwa ukuthenga izinsiza ngokushesha, noma ukuthenga izinsiza ezingalungile, kungabamba imali engenayo esimweni esingazikhokheli. Ngaphambi kokuthenga, hlola izindleko eziphelele kanye nesizathu sebhizinisi, hhayi intengo kuphela esilinganisweni.
Kungani izindleko eziphelele zibalulekile
Izinsiza zisebenzisa imali engenayo ibhizinisi elingase lisadinga isitoko, imiholo, abahlinzeki noma izimo eziphuthumayo. Ngokuhlukile ekuthengeni okukodwa esitolo, izinsiza zebhizinisi kuvame ukudala izindleko zokusebenza isikhathi eside ngemva kokuba usuyikhokhile, uphethiloli, ugesi, ukugcinwa, ukulungiswa, umshwalense nokugcinwa.
Into ethobayo ingabiza kakhulu ngokuhamba kwesikhathi uma iphuka njalo, idinga izingxenye ezibizayo noma ihlala ingasebenzi ngoba beyingafanele umsebenzi.
Incazelo
Izindleko eziphelele zokuba nayo
Izindleko eziphelele zokuba nayo yizinto zonke ibhizinisi ezichitha kuzinsiza impilo yazo yokusebenza: intengo yokuthenga, ukulethwa, ukufakwa, ukuqeqeshwa, uphethiloli noma amandla, ukugcinwa, ukulungiswa, umshwalense, ukuma nokushintshwa ekugcineni.
Intengo yokuthenga iyisiqalo kuphela.
Umshini othobayo owabiza kakhulu
Umnikazi webhakery udinga isixhumi sesibili sokuthatha ama-oda amakhulu. Umhlinzeki A uqouta u-R45 000. Umhlinzeki B uqouta u-R32 000.
Isixhumi esithobayo sidinga ukulungiswa okuvamile, asinomhlinzeki wezingxenye wendawo futhi siphuka ngempelasonto elibusy. Ukuma ngakunye kusho ukuthengisa okulahlekile, ukulungiswa okusheshayo namakhasimende angajabuli.
Umphumela: Intengo yokuthenga ephansi ayizange ilondoloze imali. Ukuma nezindleko zokulungisa zenze isinqumo sibe sbiza kunalokho umshini ongcono okungaba khona.
Bheka ngaphezu kwentengo yokuthenga
Ngaphambi kokuqhathanisa izilinganiso, bhala zonke izindleko izinsiza ezingazidalela, hhayi kuphela okhokhayo ngosuku oluthenga ngalo.
Hlola ukulethwa, ukufakwa nokuqeqeshwa. Buza ngempilo, ugesi, izinto ezisetshenziswayo, ishedyuli yokugcinwa nezindleko zokulungisa ezivamile. Cabangela ngomshwalense, ukuphepha nokugcinwa. Cabanga ngempilo yokusebenza, ukutholakala kwezingxenye nokwenzeka ebhizinisini uma izinsiza ziphuka ngesikhathi esibusy.
Umkhuba owasizayo ukulinganisa izindleko zokusebenza zanyanga zonke ngisho nezinsiza ozithenga ngokuphelele. Lokho kukusiza ubone ukuthi ibhizinisi lingaphatha yini izinsiza ezinyangeni eziphansi, hhayi kuphela ngesikhathi sokudayiswa okuphezulu.
| Izindleko | Okufanele uhlolwe | Kungani kubalulekile |
|---|---|---|
| Intengo yokuthenga | Isilinganiso, idiphozithi, ukulethwa | Isebenzisa imali ngokushesha |
| Ukusetha | Ukufakwa, ukuqeqeshwa, izinto ezengeziwe | Kudingeka ngaphambi kokuba izinsiza ziqale ukwenza imali |
| Izindleko zokusebenza | Uphethiloli, amandla, izinto ezisetshenziswayo | Ziyaqhubeka njalo ngenyanga |
| Ukugcinwa | Izikhathi zokulungiswa, izingxenye, umsebenzi | Kuvimbela noma kuphatha ukuma |
| Ukuma | Imali engenayo elahlekile ngenkathi izinsiza zingasebenzi | Kuvame ukuba yindleko efihlekile enkulu |
| Ukuvikela | Umshwalense, ukuphepha, ukugcinwa | Kuvikela impahla yebhizinisi ebalulekile |
Buza ukuthi izinsiza zizokwenza kanjani imali
Ngaphambi kokuthenga, cacisa ukuthi izinsiza zizosiza kanjani ibhizinisi.
Zizokuvumela ukwenza umsebenzi omningi ngesikhathi esifanayo? Zizothuthukisa ikhwalithi ukuze ukhokhise ngokufanele noma uthole amaklayenti angcono? Zizocutha enye indleko, efana nokuqasha izinsiza oziqashayo manje? Ingabe ukudayiswa kwamakhasimende kuzosekela ikhono elengeziwe?
Bese ulinganise ukuthi ibhizinisi lingathatha isikhathi esingakanani ukubuyisela izindleko. Uma izinsiza zizohlala zingasebenzi isigamu seviki, izibalo zishintsha ngokuphelele.
Qathanisa izinketho zakho
Thola izilinganiso ezingaphezu kwenye lapho kungenzeka. Qathanisa intengo, ikhwalithi, iwaranti, ukwesekwa kokugcinwa, ukuthembeka komhlinzeki, isikhathi sokulethwa, insizakalo ngemuva kokuthengisa nokutholakala kwezingxenye.
Ungakhethi nje inketho ethobayo kakhulu. Umhlinzeki othembekile onezingxenye ezitholakalayo angase avikele ibhizinisi kangcono kunentengo ephansi enokwesekwa okubuthaka.
Kufanele futhi uqhathanise indlela yokuxhasa ngemali ukuthenga:
- Ukusebenzisa ukonga kugwema isikweletu kodwa kunciphisa imali etholakalayo ezinyangeni eziphansi nezimo eziphuthumayo.
- Ukusebenzisa ukuxhaswa ngezimali kugcina imali eyengeziwe ebhizinisini manje kodwa kudala ukubuyisela, izimali nenzalo ngokuhamba kwesikhathi.
Ngakubili, izinsiza kufanele zibe nencazelo yebhizinisi ngokwazo, ukuxhaswa ngezimali kuhlukanisa noma kushintsha kuphela izindleko; akuzisusi.
| Inketho yokuxhaswa ngezimali | Izinzuzo | Ubungozi |
|---|---|---|
| Ukonga | Akukho ukubuyisela nenzalo | Imali encane esele yezimo eziphuthumayo nezinyanga eziphansi |
| Ukuxhaswa ngezimali | Kuthenga izinsiza manje kugcinwa imali ethile | Ukubuyisela kuyaqhubeka ngisho noma imali engenayo ilibaziseka |
| Ukuqasha noma ukuqasha | Kusiza kumaphrojekthi amafushane noma ukuhlola ukudayiswa | Izindleko eziqhubekayo ngaphandle kokuba nayo |
| Linda | Kugwema ukuthenga okungalungile | Ithuba lingadlula uma ukudayiswa kuqondile |
Hlola isinqumo sezinsiza
Sebenzisa isinqumo ngendlela efanele. Uma izinombolo zingahambisani, ukulinda kuyinketho evumelekile.
Imibuzo
Kwesinye isikhathi ukuthenga kuyadingeka ukuze uwine noma ulethe umsebenzi. Kulowo mqhudelwano, hlola izindleko zangaphambili, isikhathi sokukhokha nokwenzeka uma isivumelwano libaziseka noma sikhanseliwe. Uma ubungozi bukhulu, ukuqasha noma ukuthenga ngezigaba kungase kube kuphephile.
Ukuqasha noma ukuqasha kungafanele amaphrojekthi amafushane, umsebenzi wesizini noma izinsiza ofuna ukuhlola ngaphambi kokuzibopha. Kungabiza kakhulu ngosuku kunokuba nayo, kodwa kugwema ukubamba imali engenayo esimweni esisetshenziswa kancane.
Amathuluzi, izimoto nemishini eminingi ebalulekile kufanele avikelwe. Hlola ukuthi ibhizinisi selivele linini nokuthi izinsiza ezintsha zishintsha yini ubungozi.
Iphutha elivamile
Ukuqhathanisa nje izintengo zokuthenga futhi ungabheki ukugcinwa, umshwalense, ukuma nokuthi ukudayiswa kwamakhasimende kusekela yini ikhono elengeziwe. Intengo ephansi ephepheni ingaba yinkinga ebizayo empilweni yangempela.
Isinyathelo sakho esilandelayo
Khetha isinsiza esisodwa ibhizinisi elingase lidinge ezinyangeni ezizayo. Bhala izindleko zokuthenga, izindleko zokusebenza zanyanga zonke ezilinganisiwe nokuthi zizosiza kanjani ibhizinisi ukwenza imali noma ukonga. Uma ungakwazi ukuchaza ukubuyisela ngolimi olulula, linda kuze kube yilapho izinombolo zicaca.
Qhubeka ufunda
Isihloko esilandelayo sihlola ukuthi isivumelwano esikhulu siphatheka kangakanani njengoba sibonakala kuqala. Izinsiza zingase zibe yinye yezindleko okufanele zikhokhwe ngaphambi kokuba iklayenti elikhulu likhokhe ibhizinisi.
Okungadawunilodiwe
Uhlu lokuhlola ukuthenga izimpahla