Kaute Whakaemi
Ko te kaute kohikohinga tētahi o ngā huarahi tino nui i roto i te kaute pūtea o ēnei rā, nā te mea he whakaata pono ake i te āhua ōhanga o tētahi hinonga. He rerekē ki te pūtake moni, e tuhi ana i ngā whakawhitiwhitinga ina whiwhi moni, ina utua rānei, ka mōhio te pūtake kohikohinga ki ngā moni whiwhi me ngā whakapaunga ina puta, ina puta rānei ngā tika me ngā herenga, ahakoa ngā rerenga moni e haere tahi ana. Nō reira, he tika ake ngā pūrongo pūtea e puta mai ana i te aromatawai i te mahi me te tūnga pūtea o tētahi whakahaere, ahakoa he umanga, he kore-moni, he tari kāwanatanga rānei.
Whakamāramatanga me ngā Mātāpono Taketake
He māmā noa iho, ko te kaute e ahu mai ana i te kohikohinga moni he tikanga tuhi e mōhiotia ana te moni whiwhi ina whiwhihia, ā, e mōhiotia ana hoki ngā whakapaunga ina puta. He hononga tata tēnei mātāpono ki te mātāpono taurite, e kī ana me tuhi ngā whakapaunga i te wā kotahi me te moni whiwhi e pā ana kia whakaatahia ai te hua me te mate i te mahi tuturu o te wā.
Hei tauira, ki te hokona e te kamupene ngā taonga mā te nama i te marama o Poutū-te-rangi, ā, i te marama o Paenga-whāwhā anake ka whiwhi utu, ka mōhiotia tonutia ngā moni whiwhi i te marama o Poutū-te-rangi nā te mea i puta te hoko me te tuku o ngā taonga i taua marama. I tua atu, ko ngā utu i puta hei whakaputa i te hoko—pērā i te utu o ngā taonga i hokona, ngā utu tuku, ngā komihana hoko rānei—ka tuhia hoki i te marama o Poutū-te-rangi, ahakoa kāore pea ētahi e utua tae noa ki Paenga-whāwhā.
Te rerekētanga i waenga i te Pūtake Whakaemi me te Pūtake Moni
Ko te rerekētanga matua i waenga i te kaute pūtake moni me te kaute pūtake moni kei roto i te wā o te mohiotanga tauwhitinga:
1. Pūtake moni: ka tuhia te moni whiwhi ina whiwhi moni, ka tuhia ngā whakapaunga ina utua te moni.
2. Pūtake kohikohinga: ka tuhia te moni whiwhi ina whiwhihia, ka tuhia ngā whakapaunga ina puta.
He māmā ake te pūtake moni, he pai mō ngā pakihi iti he iti noa ngā tauwhitinga. Heoi, he maha ngā wā ka puta he whakaaro pōhēhē i te pūtake moni nā te mea kāore e whakaata i ngā nama e tika ana kia utua, ngā nama e utua ana, me ētahi atu nama e pā ana ki te āhua pūtea. He rerekē, he uaua ake te pūtake kohikohinga nā te mea me tuhi ngā pūkete pēnei i ngā nama e tika ana kia utua, ngā nama e tika ana kia utua, ngā whakapaunga kua utua mua, ngā moni whiwhi kāore anō kia whiwhihia, me te hekenga uara o ngā rawa.
Ngā Wāhanga Matua i roto i te Kaute Pūtea-Whakapūmau
I roto i te mahi, he maha ngā tikanga me ngā tikanga e kitea whānuitia ana:
1. Ngā Pūkete Whiwhinga
Ka puta ngā nama nama ina hokona e te kamupene ngā taonga, ngā ratonga rānei, engari kāore anō kia whiwhi utu. I raro i te kaupapa kohikohinga moni, ka mōhiotia te moni whiwhi ina puta te hoko, ko ngā nama nama ka tuhia hei rawa. Kātahi ka whakaitihia ēnei nama nama ina utua e te kiritaki.
2. Ngā Pūkete Utu (Ngā Pūkete Utu)
Ko ngā nama nama he herenga a te kamupene ki te utu i ngā kaiwhakarato mō ngā taonga, ngā ratonga rānei i riro mai. Ka tuhia te whakapaunga e pā ana ina riro mai ngā taonga/ratonga, ehara i te mea ina utua. Mā tēnei ka āwhina i ngā kaipupuri moni me ngā kaiwhakahaere ki te tautuhi i ngā nama e toe ana.
3. Ngā Whakapaunga Kua Kohia
Ka puta ngā whakapaunga kua kohia ina kua puta kē ngā whakapaunga engari kāore anō kia utua. Hei tauira, me utu te utu o te kaimahi i te mutunga o te marama, engari ka utua i te tīmatanga o te marama e whai ake nei. Ka tuhia e te kamupene ngā whakapaunga utu me ngā utu e utua ana i te mutunga o te marama.
4. Ngā Moni Whiwhi kua Kohia
Ka puta te moni whiwhi kua kohia ina kua tukuna e te kamupene ngā ratonga, kua tukuna rānei ngā taonga engari kāore anō kia tukuna he nama ki te kiritaki. Hei tauira, kua oti pea i te kaitohutohu tētahi kaupapa i te mutunga o te marama, engari kāore te nama e tukuna tae noa ki te wiki e whai ake nei. Ka tuhia tonutia ngā moni whiwhi i te marama i oti ai te kaupapa.
5. Ngā Moni Whiwhinga Kāore i Whiwhihia me ngā Whakapaunga Kua Utua i Mua
Ka puta te moni whiwhi kāore anō kia whiwhihia ina whiwhi te kamupene i te utu i mua i te tukunga o ngā ratonga, pērā i te ohaurunga ā-tau i utua i mua. Ka tuhia tēnei hei nama, ā, ka mōhiotia hei moni whiwhi i roto i te wā. Ko ngā whakapaunga kua utua i mua ko te ritenga kē: ka utua e te kamupene ngā utu i mua, pērā i te reti, te inihua rānei, ā, ka mōhiotia ēnei hei whakapaunga i roto i te wā e whai hua ana rātou.
6. Te whakahekenga uara
I raro i te pūtake kohikohinga moni, kāore ngā rawa pumau pēnei i ngā waka, ngā mīhini, ngā whare rānei e whakapaua tonutia ana i te wā i hokona ai. Ka tohaina ō rātou utu puta noa i ō rātou wā whai hua mā te whakahekenga uara. He mea nui tēnei kia rite ai te utu whakamahi i te rawa ki te moni whiwhi i puta mai i te rawa i roto i te wā.
Ngā Painga o te Kaute Pūtea-Whakapūmau
He maha ngā painga o te kaute e ahu mai ana i te kohikohinga moni, ā, koinei te paerewa whānui mō ngā pūrongo pūtea:
1. He tirohanga whānui mō te mahi tika ake
E whakaata ana te tauākī moni whiwhi i ngā moni whiwhi me ngā whakapaunga i te wā e puta ai ēnei, nō reira kāore ngā hua e "pekepeke" nā te rerekētanga o te wā utu.
2. E whakaatu ana i te tūnga pūtea tuturu
Kei roto i te pepa toenga ngā nama e tika ana kia utua mai me ngā nama e tika ana kia utua, kia taea ai e ngā kaipupuri hea te aromatawai pai ake i te tere me te āheinga ki te utu.
3. Tautoko i te whakatau kaupapa
Ka taea e ngā kaiwhakahaere te aromatawai tika ake i te hua mō ia hua, mō ia kaupapa, mō ia wā rānei, nā te mea e ōrite ana ngā utu me ngā moni whiwhi.
4. Whakanuia te kawenga me te māramatanga
Mō ngā whakahaere nunui, mō ngā tari kāwanatanga rānei, ka āwhina ngā kohikohinga moni ki te hura i ngā nama roa, tae atu ki ngā nama me ngā herenga e toe ana.
5. Whakangāwari i ngā arotake me te tutuki i ngā paerewa
He maha ngā paerewa kaute pūtea e hiahia ana ki te pūtake kohikohinga moni nā te mea he pai ake te whakamahi mō ngā kaiwhakamahi o ngā tauākī pūtea.
Ngā Wero me ngā Here
Ahakoa ōna painga e pā ana ki te kounga o ngā mōhiohio, he wero anō hoki kei te pūtake kohikohinga:
1. He uaua ake, ā, me whai pūnaha ma
Me whai pūnaha pupuri tuhinga, me whai whakatikatika ā-wā, me te mārama ki ngā hautaka whakatikatika i te mutunga o te wā.
2. Kei roto ko te aromatawai ngaio me te whakatau
Hei tauira, ko te aromatawai i te tahua mō ngā kaute ruarua, te whakatau tata i te roa o te oranga whai hua o tētahi rawa, te whakaae rānei ki ngā moni whiwhi kirimana. Ka taea e ēnei whakatau tata te whakaputa i ngā rerekētanga o te whakamaoritanga.
3. Kāore e whakaata i ngā āhuatanga moni i ngā wā katoa
Ahakoa te āhua whai hua o tētahi kamupene i runga i te tauākī kohikohinga moni, ka pāngia ia e ngā uauatanga rere moni nā te korenga o ngā hoko nama. Nō reira, he mea nui tonu te tauākī rere moni hei whakarato i ngā mōhiohio katoa.
Tauira Māmā o te Whakatinanatanga
Me kī, ka whiwhi tētahi kamupene ratonga hoahoa i tētahi kaupapa e $20.000.000 te uara i te 1 o Hune. Ka oti te mahi i te 25 o Hune, engari kāore te kiritaki e utu tae noa ki te 10 o Hūrae. I raro i te pūtake kohikohinga kaute, ka mōhiotia te moni whiwhi $20.000.000 i te marama o Hune nā te mea kua oti te ratonga. I te mutunga o Hune, ka tuhia e te kamupene he nama nama $20.000.000. Ina whiwhi moni te kamupene i te marama o Hūrae, ka heke te nama nama, ka piki te moni, ā, ka waiho te moni whiwhi o Hūrae kāore i rerekē.
I tetahi atu taha, mēnā he pire hiko tā te kamupene he Rp1.500.000 mō Hune, ā, i utua noa i te 5 o Hūrae, ka tuhia tonutia te whakapaunga hiko i te marama o Hune, ā, ka tuhia hei nama i te mutunga o Hune. Ina utua i te marama o Hūrae, ka whakaitihia te nama, ā, ka whakaitihia te moni.
Te Hiranga i roto i te Pakihi me te Kāwanatanga
He whānuitia te whakamahinga o te kaute e ahu mai ana i te kohikohinga moni e ngā kamupene nā te mea ka āwhina i ngā kaipupuri moni, ngā kaituku nama, me ngā kaiwhakahaere ki te aromatawai whānui ake i te hauora pūtea. I roto i te horopaki kāwanatanga, kei te kaha haere te whakatinanatanga o te pūtake kohikohinga moni hei whakapakari i te kawenga whakahaere tahua, hei aromatawai i ngā nama mō te wā roa, me te whakapai ake i te kounga o te whakaaturanga o ngā pūrongo pūtea ā-rohe/ā-motu. Mā te pūtake kohikohinga moni, ka taea te tuhi mārama ake i ngā rawa me ngā nama a te kāwanatanga pērā i te nama, ngā herenga penihana, ngā pire kāore anō kia utua.
Whakamutunga
Ko te kaute kohikohinga he tikanga tuhi e whakaatu ana i ngā moni whiwhi me ngā whakapaunga i runga i ngā whakawhitiwhitinga, kaua i runga i te rere o te moni anake. Mā tēnei huarahi ka puta he pūrongo pūtea whai kōrero ake nā te mea e whakaatu ana i ngā nama e tika ana kia utua, ngā nama e tika ana kia utua, te hekenga uara, me ētahi atu whakatikatika e whakaata ana i ngā āhuatanga ōhanga tuturu. Ahakoa e hiahiatia ana he pūnaha kaute matatini ake, me te whakauru i ngā whakatau tata, ko ōna painga ki te whakapai ake i te kounga o ngā mōhiohio pūtea, te māramatanga, me te whakatau kaupapa ka waiho te pūtake kohikohinga hei tūāpapa matua o te mahi kaute ngaio i ēnei rā.
