Ezezimali iwebhusayithi eyazalwa ngo-2006 ngenjongo ecacileyo: ukupapasha ulwazi oluyinyani, olunekhontrakthi kunye nomgangatho malunga nelizwe lezoqoqosho nezemali. Ukufezekisa le njongo kubalulekile ukuba neqela labahleli abaziingcali kwicandelo kwaye abangenangxaki ekuthetheni inyani njengoko injalo; akukho mdla umnyama okanye nantoni na enjalo.
Kwi-Economics ye-Finanzas unokufumana ulwazi olwahluka-hlukeneyo olususela kwizigama ezisisiseko ezinje zithini iVAN kunye neIRR kwezinye ezintsonkothileyo ezinje iingcebiso zethu zokwahlula utyalomali lwakho ngempumelelo. Zonke ezi zihloko kunye nezinye ezininzi zinendawo kwiwebhusayithi yethu, ke ukuba ufuna ukufumanisa yonke into esithetha ngayo, eyona nto intle yile ngenisa eli candelo apho uza kubona uluhlu olupheleleyo lwe zonke izihloko ezigutyungelweyo.
Iqela lethu lipapashe amanqaku amanqaku ngezoqoqosho, kodwa zisekho ezinye izihloko ekufuneka sizigubungele. Ewe Ngaba ufuna ukujoyina iwebhusayithi yethu kwaye ube yinxalenye yeqela lethu lababhali kufuneka nje gcwalisa le fomu Kwaye siya kunxibelelana nawe ngokukhawuleza.
Abahleli
Uqoqosho yinto enomdla kuthi ukusukela kumzuzu wokuqala sijongana nendlela yokuphila. Nangona kunjalo, asifundi kakhulu kolu lwazi. Ngesi sizathu, ndiyathanda ukunceda abanye baqonde iikhonsepthi zoqoqosho kwaye ndinike amaqhinga okanye izimvo zokuphucula ukonga okanye ukuzifezekisa. Ndingu-Encarni Arcoya kwaye xa ndandifunda isidanga sam, izifundo ze-economics yayizezona zazinzima kum kuba ndandingaziqondi kakuhle iikhonsens. Kwaye, xa bakuchazela, yonke into iya icace ngakumbi. Kumanqaku am ndizama ukusebenzisa ulwazi endinalo ukuze izinto ziqondwe ngokusemandleni kwaye yingakho ndithanda ukubhala ngendlela elula ukuze wonke umntu aqonde iingqiqo zoqoqosho.
Ngaphezulu kweminyaka elishumi yamava kwezoqoqosho nakwizemali, ndizinikele kumsebenzi wam wokuhlalutya iindlela zeemarike kunye nokucebisa malunga nezicwangciso zotyalo-mali. Ugxininiso lwam kukuzinza kunye nokusungula izinto ezintsha zemali, ndihlala ndikhangela amathuba avelayo. Ndibe negalelo kupapasho oluninzi oludumileyo, ndinikela iimbono ezibukhali kunye noqikelelo oluchanekileyo. Ukuthanda kwam imfundo yezemali kubangele ukuba ndithathe inxaxheba kwiinkomfa kunye neesemina, ndizibophelele ekwabelaneni ngolwazi oluxhobisa abantu kunye neenkampani ukuba benze izigqibo zemali ezinolwazi.
Ngemfundo yaseyunivesithi kwi-Sociology kunye nezifundo ezahlukeneyo kwiNtengiso yeDijithali, ndiye ndanceda iinkampani ukuba ziphucule impilo yazo yezemali kunye nokwakha iiprojekthi eziqinileyo ngokusebenzisa iindlela zokusika kunye nezicwangciso zokuthengisa ezijolise kubathengi. Indlela yam yentlalontle indivumele ukuba ndiqonde ngokunzulu ukuziphatha kwabathengi, ngelixa amava am ekukhangiseni nasekuthengiseni aqhube iziphumo zezemali zamashishini amancinci kunye nokuqala okuphakathi. Okwangoku, ukuzinikela kwam kukuwe. Ndifuna ukwabelana ngolwazi lwam kule bhlog, apho uya kufumana iingcebiso zam ezilungileyo kunye nezicwangciso zokusebenzisa kwishishini lakho, kukunceda ufezekise kwaye uqonde iinjongo zakho zemali kunye nokuthengisa ngendlela ecacileyo.
Abahleli bangaphambili
Ukuthabatheka kwam kwezoqoqosho kwaqalisa njengentlantsi yokufun’ ukwazi yaye kuye kwaba lidangatye elikhokelayo kumsebenzi wam. Nsuku zonke, ndintywila ekuhambeni rhoqo kwedatha kunye nohlalutyo, ndikhangele amabali emva kwamanani anokuthi axhobise abantu kwizigqibo zabo zemali. Ngokuzibophelela okungagungqiyo kwinjongo, ndizama ukubonisa ulwazi lwezoqoqosho ngendlela efikelelekayo neluncedo kumntu wonke. Ukuzimela lilitye lembombo lomsebenzi wam, ukuqinisekisa ukuba abafundi bam bafumana iingcebiso ezingakhethi cala abanokulithemba. Ekugqibeleni, injongo yam kukwenza lula ukuntsonkotha kwezoqoqosho ukuze wonke umntu akwazi ukulawula impilo yakhe yezemali.
Ukusukela ngeentsuku zam zomfundi, amandla emalike yezemali athimbe ingqalelo yam. Ndachukunyiswa yindlela iipateni zoqoqosho eziphembelele ngayo izigqibo zehlabathi kunye nendlela utyalo-mali oluhlakaniphile olunokuba nefuthe ngayo. Ngokuhamba kwexesha, lo mdla waguquka waba ngumsebenzi ozinikele kuhlalutyo lwezoqoqosho. Kangangeminyaka, ndityala imali ngokwam kwiimarike, ndifunda ukuzulazula ubunzima bazo ngomonde kunye nesicwangciso. Ndikhe ndafumana uchulumanco lwamahla-ndinyuka emarike, kwaye amava ngamnye abe sisifundo esibalulekileyo esindenze ndaliqonda kakuhle ilizwe lezemali. Indlela yam ibisoloko iphelele; Andithembekanga kuphela kwithiyori yezoqoqosho, kodwa nasekuqwalaseleni ngononophelo iintsingiselo zangoku kunye nembali yezemali. Uhlaziyo oluqhubekayo malunga nophuhliso lwezoqoqosho kunye nezezimali lubalulekile kum, kwaye ndinikezela inxalenye ebalulekileyo yexesha lam kwimfundo eqhubekayo kunye nohlalutyo olunzulu lweemarike.
Ukusukela ebutsheni bam, bendithabathekile yindlela entsonkothileyo yeemarike kunye nokuhamba okungapheliyo kwemali yehlabathi. Ukuthanda kwam ukwazi kwandikhokelela ekubeni ndifunde ezoqoqosho, apho ndafumanisa ukuba imodeli yezoqoqosho intle nokuchaneka kwe-accounting. Ngalo lonke i-balance sheet ndiye ndalinganisa kwaye yonke intsingiselo yemarike endiyihlalutyileyo, ukuthanda kwam le ntsimi kwakhula kuphela. Ngoku, njengombhali wezoqoqosho, ndizinikele ekutyhileni iimfihlakalo zezoqoqosho kubafundi bam. Yonke imihla lithuba elitsha lokuphonononga ubunzulu bomgaqo-nkqubo wemali, ukuguquguquka kwemarike yemasheya, kunye neepatheni ezivelayo zorhwebo lwamazwe ngamazwe. Ndizama ukuguqulela ijargon yobugcisa kulwimi olufikelelekayo, ukuze i-neophytes kunye neengcali ngokufanayo zikwazi ukuxabisa ama-nuances alolu qeqesho.
