# Pūmanawa Kaute Pai rawa atu mō ngā SME
Ko ngā Pakihi Iti me te Waenga (SME) te pou tuarā o ngā ōhanga o ngā whenua maha, tae atu ki Initonīhia. Ehara i te mea ko ngā Pakihi Iti anake te takoha nui ki te Hua Whenua Katoa (GDP) engari ka waihanga hoki i ngā whai wāhitanga mahi nui. Heoi, he maha ngā wero e pā ana ki ngā Pakihi Iti, tae atu ki te whakahaere pūtea. Waimarie, nā te whanaketanga o te hangarau, ka taea te whakahaere pūtea me te kaute mā te whakamahi i te pūmanawa kaute i hangaia motuhake hei whakatutuki i ngā hiahia o ngā Pakihi Iti. I roto i tēnei tuhinga, ka matapakihia e mātou te pūmanawa kaute pai rawa atu hei āwhina i ngā Pakihi Iti ki te whakahaere i ā rātou pūtea me te whai hua.
## He aha te hiranga o te pūmanawa kaute mō ngā pakihi me ngā pakihi iti (SME)?
He mahi tino uaua te whakahaere ā-ringa i ngā pūtea, inā koa i tēnei ao matihiko. Ko te tuhi hapa, te whakaroa i ngā pūrongo, me te uaua ki te aroturuki i te rere o te moni ētahi o ngā raruraru noa e pā ana ki ngā SME me te kore he taputapu aunoa tika. Ka taea e te pūmanawa kaute te āwhina ki te whakatika i ēnei raruraru mā te tuku i ngā āhuatanga e whai ake nei:
1. Te Tuhi Aunoa: Mā te pūmanawa kaute ka taea te tuhi aunoa i ngā whakawhitiwhitinga, ā, ka whakaitihia te tūponotanga o ngā hapa tangata.
2. Pūrongo Wā-Tūturu: Mā te pūmanawa kaute, ka taea e ngā kaipakihi te uru atu ki ngā pūrongo pūtea hou i te wā-tūturu.
3. Te Whakahaere Taake Katoa: He mahi uaua te whakahaere taake. He maha ngā āhuatanga o te pūmanawa kaute hei āwhina i te tatau, te tuku pūrongo, me te pupuri i ngā rēkoata taake.
4. Haumarutanga Raraunga: He tino tairongo ngā raraunga pūtea. Kei roto i te pūmanawa kaute ngā āhuatanga whakamuna me te tārua raraunga hei pupuri i te haumarutanga o ngā mōhiohio.
## Paearu mō te Kōwhiri i te Pūmanawa Kaute mō ngā SME
I mua i te kōrero mō ngā taunakitanga mō te pūmanawa kaute pai rawa atu, he maha ngā paearu hei whakaaroaro māu i te wā e whiriwhiri ana i te pūmanawa kaute mō ngā SME, arā:
1. Ngāwari ki te Whakamahi: Me whakarite kia ngāwari te whakamahi i te pūmanawa, ahakoa e te hunga kāore he wheako kaute.
2. Ngā Āhuatanga e ai ki ngā Hiahia: Kōwhiria he pūmanawa kei a ia ngā āhuatanga e rite ana ki ngā hiahia o tō pakihi.
3. Utu: Whakaarohia te utu o te pūmanawa, ā, kia rite te utu ki ngā painga ka puta.
4. Tautoko Kaihoko: Kōwhiria he pūmanawa e tuku ana i ngā ratonga tautoko kaihoko pai.
5. Te Whakaurunga ki Ētahi Atu Pūnaha: Me whakarite ka taea te whakauru i te pūmanawa ki ētahi atu taupānga e whakamahia ana e koe, pērā i te POS, i ngā pūnaha hokohoko īpurangi rānei.
## Ngā Tohutohu Pūmanawa Kaute Pai rawa atu mō ngā SME
Anei ētahi tūtohutanga mō ngā pūmanawa kaute e tika ana mō ngā pakihi iti me ngā pakihi iti (SME):
### 1. Pukapuka nā Mekari
Ko Jurnal nā Mekari tētahi o ngā pūmanawa kaute rongonui rawa atu i Initonīhia. He mea hanga motuhake mā ngā pakihi iti me ngā pakihi iti (SME), ā, he maha ngā āhuatanga a Jurnal hei āwhina i te whakahaere pūtea kia māmā ake, kia whai hua ake hoki.
– Ngā Āhuatanga Matua:
- Te tuhi tauwhitinga aunoa
- Pūrongo pūtea wā-tūturu
– Te whakahaere taonga
– Te whakahaere taake
– Utu: He maha ngā momo utu kei a Jurnal ka taea te whakarite kia rite ki ngā hiahia me te rahi o tō pakihi.
- Te nui rawa:
– Atanga kaiwhakamahi māmā
– Tautoko kiritaki aro nui
– E wātea ana mā ngā taputapu pūkoro
### 2. Zahir Accounting
He pūmanawa kaute a Zahir Accounting i hangaia i Initonīhia e whakamahia ana e ngā mano tini o ngā SME. E mōhiotia ana a Zahir mō tōna ngāwari ki te whakamahi me te whānuitanga o ngā āhuatanga.
– Ngā Āhuatanga Matua:
– Te tuhi aunoa i ngā tauwhitinga
- Pūrongo pūtea whakaritenga
– Te whakahaere rawa pumau
– Te kōwae taake katoa
– Utu: He maha ngā mōkihi utu a Zahir ka taea te whakarite kia rite ki ngā hiahia pakihi.
- Te nui rawa:
– He māmā te whakamahi, ahakoa e te hunga kāore he wheako kaute
– Ka taea te whakauru atu ki ētahi atu pūnaha, pērā i te POS me te hokohoko ipurangi
– He āhuatanga maha-moni mō ngā tauhokohoko o te ao
### 3. Tika Ipurangi
He pūmanawa kaute kapua rongonui a Accurate Online i Initonīhia. He mea hanga motuhake mō ngā pakihi me ngā pakihi iti (SME), ā, he maha ngā āhuatanga e tukuna ana e Accurate Online hei āwhina i a koe ki te whakahaere i ō pūtea kia pai ake ai.
– Ngā Āhuatanga Matua:
– Te tuhi aunoa i ngā tauwhitinga
– Pūrongo pūtea ka taea te whakarite
– Te whakahaere taonga
– Te kōwae taake katoa
– Utu: Kei a Accurate Online ngā utu whakataetae me ngā mōkihi ohaurunga marama ngāwari.
- Te nui rawa:
- He māmā ki te whakamahi
– Tautoko kiritaki aro nui
– E wātea ana mai i ngā wāhi katoa nā te mea kei runga i te kapua
### 4. Hiroki
He pūmanawa kaute me te HRIS a Sleekr i hangaia mō ngā SME. Ka āwhina a Sleekr i ngā pakihi ki te whakahaere i ā rātou pūtea me ngā rauemi tangata kia pai ake te whakahaere.
– Ngā Āhuatanga Matua:
– Te tuhi aunoa i ngā tauwhitinga
– Pūrongo pūtea wā-tūturu
– Te whakahaere i te utu me te haerenga mai o ngā kaimahi
– Ngā waeine Taake me te BPJS
– Utu: He maha ngā mōkihi utu a Sleekr ka taea te whakarite kia rite ki ngā hiahia pakihi.
- Te nui rawa:
– Te whakaurunga i waenga i te kaute me te HRIS
- He māmā ki te whakamahi
– E wātea ana mā ngā taputapu pūkoro
### 5. Ngaru
He pūmanawa kaute kore utu a Wave e tino rongonui ana i waenga i ngā SME. Ahakoa he kore utu, he maha ngā āhuatanga a Wave hei āwhina i a koe ki te whakahaere i ngā pūtea o tō pakihi.
– Ngā Āhuatanga Matua:
– Te tuhi aunoa i ngā tauwhitinga
– Pūrongo pūtea ka taea te whakarite
– Te whakahaere nama
– Wāhanga utu
– Utu: He pūmanawa kaute kore utu a Wave. Heoi, he utu tāpiri anō mō ngā āhuatanga utu me te utu.
- Te nui rawa:
– Kore utu te whakamahi
- He māmā ki te whakamahi
– He pai te tautoko kiritaki
## Whakamutunga
Mā te whiriwhiri i te pūmanawa kaute tika ka pā nui ki te mahi me te whai huatanga o ngā SME. Mai i Jurnal nā Mekari, Zahir Accounting, Accurate Online, Sleekr, ki Wave, he maha ngā āhuatanga o ia pūmanawa hei āwhina i te whakahaere i ngā pūtea pakihi kia māmā ake, kia whai hua ake hoki. I te wā e whiriwhiri ana i te pūmanawa kaute, kia mahara ki te ngāwari o te whakamahi, ngā āhuatanga e tutuki ana i ō hiahia, te utu, te tautoko kiritaki, me ngā āheinga whakauru ki ētahi atu pūnaha.
Ehara i te mea ko te whakamahi i te pūmanawa kaute anake te āwhina i te tuhi i ngā tauwhitinga me te pūrongo pūtea, engari ka taea hoki e ngā kaipakihi te tautuhi i ngā whai wāhitanga hei whakapai ake i te whai huatanga me te hua o te pakihi. Nō reira, ko te whakamahi i te pūmanawa kaute tika he haumitanga nui mō te angitu roa o ngā SME i tēnei ao matihiko.
