Izinyathelo Zokuphatha Ekuphathweni Kwezezimali
Ukuphathwa kwezezimali okuphumelelayo nokuphumelelayo kuyisici esibalulekile sempumelelo yebhizinisi nenhlangano. Ngaphandle kokuphathwa okufanele, inhlangano ingabhekana nezinselele ezahlukene zezimali ezingasongela ukusimama kwayo. Ukufinyelela ukuphathwa kwezezimali okuhle kudinga izinyathelo zokuphatha ezihlelwe kahle. Lesi sihloko sizoxoxa ngezinyathelo ezibalulekile ezihilelekile ekuphathweni kwezezimali.
1. Ukuhlela Ezezimali
Isinyathelo sokuqala ekuphathweni kwezezimali ukuhlela ezezimali. Ukuhlela ezezimali kuhilela ukunquma imigomo yezezimali yesikhathi esifushane neyesikhathi eside kanye namasu okuzifeza. Kulesi sinyathelo, izinhlangano kumele zicabangele izici ezahlukahlukene njengemali engenayo, izindleko, ukutshalwa kwezimali, kanye nezidingo zemali.
Imigomo Eqondile: Ukubeka imigomo ecacile, engokoqobo, nelinganisekayo kubalulekile. Isibonelo, ukwandisa imali engenayo ngo-20% ngonyaka owodwa noma ukunciphisa izindleko zokusebenza ngo-10% ezinyangeni eziyisithupha ezizayo.
Ukuhlela Isabelomali: Ukudala isabelomali kuyingxenye ebalulekile yokuhlela ezezimali. Isabelomali esihle sivumela inhlangano ukuthi yabe izinsiza ngendlela efanele, inciphise ukusetshenziswa kwemali ngokweqile, futhi iqinisekise ukuthi yonke imisebenzi ixhaswa ngendlela efanele.
2. Ukuqopha kanye Nokubhala Imibhalo
Ngemva kokuhlela, isinyathelo esilandelayo ukurekhoda nokubhala phansi. Ukuphathwa kahle kwezezimali kudinga uhlelo lokurekhoda olunembile lwazo zonke izinkokhelo zezimali. Ukugcinwa kahle kwamarekhodi kwenza kube lula ukuqapha nokubika.
Uhlelo Lokubala Imali: Sebenzisa uhlelo olufanele lokubala imali ukuze uqophe ukuthengiselana kwansuku zonke. Lolu hlelo lungaba isofthiwe yokubala imali ekwazi ukuqopha imali engenayo, izindleko, imali ekhokhwayo, kanye nemali ekhokhwayo.
Imibhalo Yokuthengiselana: Gcina yonke imibhalo yokuthengiselana esekelayo, njenge-invoyisi, amarisidi, kanye nezinkontileka. Imibhalo efanele izosiza ekulungiseleleni imibiko yezezimali kanye nokuhlolwa kwamabhuku.
3. Ukulawulwa Kwezezimali
Ukulawula ezezimali inqubo yokuqinisekisa ukuthi izimali zenhlangano ziphathwa ngokwezinhlelo ezimisiwe. Izinyathelo zokulawula ezezimali zifaka phakathi ukuqapha isabelomali, imikhawulo yokusebenzisa imali, kanye nokuhlaziywa kokuguquguquka.
Ukuqapha Okuvamile: Yenza ukuqapha kwezezimali njalo ukuze uthole ukuphambuka ohlelweni. Lokhu kungenziwa ngokuqhathanisa imibiko yezezimali nesabelomali esimisiwe.
Ukulawula Kwangaphakathi: Sebenzisa izilawuli zangaphakathi ukuvimbela ukukhwabanisa kanye nokusetshenziswa kabi kwezezimali. Lokhu kungafaka phakathi ukukhawulela ukufinyelela kwedatha yezezimali kanye nokuhlukanisa imisebenzi phakathi kwabasebenzi ukuvimbela ukungqubuzana kwezintshisekelo.
4. Ukubika Ngezezimali
Ukubika ngezezimali kuyinqubo yokudlulisa ulwazi lwezezimali kubabambiqhaza, kokubili abangaphakathi nabangaphandle. Imibiko yezezimali kumele ilungiselelwe ngezikhathi ezithile futhi ngokuhambisana nezindinganiso zokubala ezifanele.
Imibiko Yezezimali: Lungiselela imibiko yezezimali efana nezitatimende zemali engenayo, ama-balance sheet, kanye nezitatimende zemali engenayo njalo. Le mibiko izohlinzeka ngesifinyezo sempilo yezezimali yenhlangano.
Ukuhlaziywa Kwemibiko: Hlaziya imibiko yezezimali ukuze uthole ukuqonda ngokusebenza kwezezimali kwenhlangano. Lokhu kuhlaziywa kungafaka phakathi ukuhlaziywa kwesilinganiso sezezimali, izitayela, kanye nokuqhathaniswa kwemboni.
5. Ukuhlola Nokulungisa
Isinyathelo sokugcina ekuphathweni kwezezimali ukuhlola nokulungisa. Ukuhlola njalo imiphumela yezezimali kubalulekile ukuqinisekisa ukuthi imigomo yezezimali iyafezwa futhi kutholakale izindawo okufanele zithuthukiswe.
Ukubuyekezwa Kokusebenza: Yenza ukubuyekezwa kokusebenza njalo ukuze kuhlolwe ukusebenza kahle kanye nokusebenza kahle kwamasu ezezimali asetshenzisiwe. Lokhu kubalulekile ukuze kunqunywe ukuthi izabelomali kanye nezinhlelo zezimali ziyasetshenziswa yini ngempumelelo.
Ukulungiswa Kwezinhlelo: Ngokusekelwe emiphumeleni yokuhlola, yenza izinguquko ohlelweni lwezezimali ukuze ulungise amaphutha futhi uhlele kabusha imigomo. Lezi zinguquko zingafaka phakathi ukubuyekeza isabelomali, ukushintsha amasu okutshala imali, noma ukuthatha ezinye izinyathelo zokulungisa.
Isiphetho
Ukuphathwa kwezezimali okuhle akukhona nje ukugcina ibhalansi phakathi kwemali engenayo nezindleko; kuhlanganisa nokuhlela ngokucophelela, ukugcinwa kwamarekhodi ngokucophelela, ukulawula okuqinile, ukubika okusobala, kanye nokuhlola okuqhubekayo. Ngokulandela lezi zinyathelo zokuphatha, izinhlangano zingaqinisekisa ukuphathwa kwezezimali okungcono kanye nokusimama kokusebenza. Ngenkathi inhlangano ngayinye inezinselelo zayo zokuphathwa kwezezimali ezihlukile, izimiso eziyisisekelo ezichazwe ngenhla zingasetshenziswa ngokuvamile ukufeza imigomo yezezimali efiselekayo.
