Ixesha elizayo kwiimarike zezemali zenziwe kwisivumelwano esinyanzela amaqela angena kwisivumelwano ukuba athenge okanye athengise inani elithile lempahla okanye izinto ezikhuselekileyo (oko kubizwa kwimarike yemasheya njengempahla esisiseko) kumhla othile wexa elizayo. Kodwa kunye nexabiso elisekwe kwangaphambi koko, yiyo loo nto ibeka ixabiso kwiimarike zezabelo. Ngenye indlela kukuthenga ngokwesiko kunye nokuthengiswa kwezabelo kwimarike yemasheya. Kwaye kunokuba yimpendulo elungileyo kwimfuno kunye neemfuno zabatyali mali abancinci nabaphakathi.
Kwelinye icala, kuya kuba yimfuneko ukusukela ngoku ukuba ikamva lesitokhwe lidweliswe ngamaxesha apho iimarike zentengiso zivaliwe. Ukuvumela ukuba kungabikho zikhefu ukuze abatyali mali benze ukonga kwabo kunenzuzo ngalo naliphi na ixesha. Ngaphandle kothotho lokuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Kungenxa yokuba, ikamva lesitokhwe linokubandakanya imisebenzi enobungozi ngakumbi kunaleyo yesiqhelo. Apho unokufumana imali eninzi, kodwa uphulukane nee-euro ezininzi apha endleleni.
Ngelixa kwelinye icala, le mveliso yemali ibonakaliswa ngaphezulu kwako konke kukungaziphathi kakuhle okukhulu. Ngengqiqo yokuba zibonelela ngeziphene ezinokuthi ziphuhle kwimisebenzi eqhelekileyo okanye yesiqhelo. Ngumahluko omkhulu phakathi kwamaxabiso aphezulu kunye neyona incinci kwaye avumela ngcono i iintshukumo zorhwebo njengokuba kunjalo kwiimarike zemali. Akumangalisi ukuba ikamva lokurhweba kwimarike yemasheya ayifuni ixesha elide. Ukuba akunjalo, ngokuchaseneyo, banokuzinziswa ngeeyure ezimbalwa kakhulu nakwiseshoni enye yokuthengisa.
Akukho ingqokelela yesahlulo
Olunye lweempawu ezintle zale mveliso yezemali kukuba ukusetyenziswa kwayo kwiiasethi eziyimali kukuba musa ukuhlawula izabelo kwaye ke ngoko azithathelwa ngqalelo xa kubalwa ixabiso lekamva labo. Ngokungafaniyo nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya kwaye ke ngoko awunakuwujonga lomvuzo kubanini zabelo xa usenza ngokusemthethweni ezi modeli zotyalo mali. Ngale ndlela, enye yezona zinto zinomtsalane ekuthatheni izikhundla kwiimarike ze-equity ayisebenzi. Ungakulibali ukusukela ngoku ukuba awufuni kuthatha isimanga esingathandekiyo kwiminqweno yakho.
Ixesha elizayo lesitokhwe ikwayindlela yokutyala imali ngokuzimeleyo kuba zithengiswa zodwa ngendlela. Ukuya kwinqanaba lokuba kumaxesha amaninzi ukwahluka okubalulekileyo kuveliswa ngokubhekisele kwizalathiso zesitokhwe esiphindaphindayo. Ngale ndlela, ikamva liyimveliso kakhulu ekuthiwa ziimveliso zesalathiso, kodwa ngaphandle kokugcina imeko efanayo. Nangona ngokubanzi ihlala iqhelekile, kodwa ayifani ngokufanayo. Umahluko omncinci onokuba ngumdla kakhulu kwezinye zeeprofayili zabatyali mali abancinci nabaphakathi.
Iindleko zokusebenza
Enye into ekufuneka uyijongile kwikamva lesitokhwe lixabiso lilonke lokuhamba kwabo. Kuyinyani ukuba akukho mahluko mkhulu xa kuthelekiswa nokuthengwa ngokwesiko kunye nokuthengiswa kwezabelo kwimarike yemasheya. Izipikili zivuliwe iikhomishini ezikumgca omnye kwaye azinabisi kakhulu ukuba ekupheleni kosuku sityala imali efanayo ekusebenzeni. Ngayiphi na imeko, amanye amaziko kunye namaqonga ayile uthotho lwezibonelelo kunye nokwenyusa okunokusongela imali minyaka le. Ngamaxabiso aqine ngakumbi ngakumbi xa inani lezinto ezenziwayo zenziwa rhoqo ngenyanga lenyuka.
Kwimeko nayiphi na into, yintoni akukho zinga lithe tyaba ukusebenza ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Ukusuka kule ndawo yokujonga, amathuba okunciphisa ixabiso lemveliso asezantsi kakhulu kwaye kuya kufuneka uzinciphise kumaxabiso abekwe ngabaqhubi bezemali. Kuphela kungamaqonga athile akwi-Intanethi apho unokufumana amaxabiso okhuphiswano ngakumbi apho unokugcina khona phantse ama-50% kumaxabiso okuqala. Ngokufikelela kuzo zonke iintlobo zexesha elizayo kwizabelo, zombini kwiimarike zesizwe nangaphandle kwemida yethu.
Zidwelisiwe kwiimarike ezilawulwayo
Enye yezinto ezinomdla kakhulu yile inento yokwenza neemarike zezemali apho izabelo zazo zidwelisiwe. Ngale ndlela, akukho ndawo yokuthandabuza kuba ikamva lithengiswa kwiimarike ezisemthethweni nezicwangcisiweyo, ezifanayo kakhulu kwiimarike zezabelo. Ukusuka kule ndawo yokujonga akuyi kubakho naluphi na uhlobo lweengxaki okanye izehlo zabatyali mali abancinci nabaphakathi. Ziimarike ezilawulwayo apho kungayi kubakho loyiko akukho mpembelelo imbi Kuzo zonke izinto ezenziwayo.
Nangona kunjalo, ngalo mzuzu kanye wokuthenga okanye ukuthengisa ikhontrakthi yexesha elizayo, iziqinisekiso kufuneka zifakwe ukunqanda ukonakala kwelinye iqela. Ngokufanelekileyo, kumthengi okanye kumthengisi Kuba yenye yezona zinto zixhaphakileyo kule klasi yokusebenza inemarike yengeniso eyahlukileyo. Ngesi sizathu, kukhethwa ukuba ubonelele ngokufunda ngaphambi kokuthatha isikhundla kwiasethi yemali ebonelela ngolu phawu. Ayothusi into yokuba ngabatyali zimali abancinci nabaphakathi abanamava ngakumbi abakhetha ukwenza iikhontrakthi kwezi mveliso ukuba zisebenze kwintengiso yesitokhwe.
Imisebenzi yexesha elifutshane
Ngelixa kwelinye icala, awungekhe ulibale ngale mizuzu yento efanelekileyo kakhulu. Ayikho enye into ngaphandle kokuqhelekileyo kukusebenzisa ikamva yorhwebo lwexesha elifutshane, kodwa ayisiyiyo kuphela kwendlela ebesikhe saqinisekisa ngayo ngaphambili. Ukuba ufuna ukwenza urhwebo ukusukela ngoku ukuya phambili, akukho mathandabuzo okuba iimarike zekamva lukhetho olufanelekileyo lokwenza ukonga kunenzuzo. Kuba unemida engakumbi yokuphucula inzuzo yokusebenza. Njengesiphumo somahluko omkhulu onokubakho phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Ngale nto unenqanaba eliphezulu lokwenza imisebenzi kwaye ubenze babe nenzuzo ukusukela ngoku.
Enye into ebaluleke kakhulu kwintengiso yekamva kukuba fumhla WOKUPHELELWA ikhontrakthi yexesha elizayo iyaphelelwa kwaye ayisekho. Sesinye sezizathu eziphambili zokuba kutheni ukusebenza kwezi asethi zemali kuhlala kuyingozi. Ngamanye amagama, umngcipheko uphezulu kunangexesha lokuthenga nokuthengisa izabelo kwiimarike zezabelo. Ukuya kwinqanaba lokuba unako ukuvelisa ukukhubazeka okuphezulu kunakwifomathi yesiko. Ngesi sizathu, ikamva ayisiyo mveliso yemali eyenzelwe zonke iiprofayili zabatyali mali abancinci nabaphakathi. Ukuba akunjalo, ngokuchaseneyo, ijolise kweyona ndlongondlongo kwaye ngendlela ethile abafuna intelekelelo kolu hlobo lwentshukumo.
Ezinye izinto zale mveliso
Kukho amanye amanqaku afanelekileyo okuchaza le modeli yotyalo-mali ekhethekileyo kwindawo elungileyo yabatyali mali abancinci nabaphakathi. Inxulumene isicatshulwa sekamvas iguquka ngokuhambelana nexabiso lempahla yexabiso. Lo ngumahluko omncinci owahlulahlula ekuthengeni nasekuthengiseni izitokhwe kwimarike yemasheya. Ukuza kwinqanaba lokuchaza imodeli yayo yotyalo-mali kuko konke ukubanakho kwaye inokwenza inzuzo kakhulu kwezinye iimeko. Nangona kuyinyani ukuba umngcipheko unokulawulwa ngokugqibeleleyo.
Ukongeza, uneeshedyuli ezininzi zokukhetha olu hlobo lotyalo-mali kwiimarike zezabelo. Ngokukodwa ngamaxesha asebusuku, kulapho la manqaku exesha elizayo ephuhla kakhulu. Zombini kwezo zibhekisa kwizikwere zelizwekazi elidala nakwezinye iindawo zejografi. Oko kukuthi, unokhetho oluninzi onokukhetha kulo ukuba ekugqibeleni ukhetha le mveliso yemali. Apho, uya kuba nelizwi lokugqibela ngokwakho.
Ukurhweba ngamasheya
I-MEFF inenjongo yokwazisa ngezivumelwano kuninzi lokhuseleko oludweliswe kwiNtengiso yeSizwe eQhubekayo. Okwangoku, phantse bonke abo badityanisiwe kwifayile ye- isalathiso esikhethiweyo sengeniso yaseSpain, Ibex 35. Kodwa eyona nto inika umdla malunga nesi siphakamiso sotyalo mali kukuba ikamva kunye nezinto ezinokukhethwa zinokuqeshwa kubume beenkampani ezidweliswe kwii-indices eziphambili zaseYurophu. Umzekelo, kwizitokhwe ezikhulu ezikhulu ezikwizabelo zamazwe aseYurophu.
Ngenxa yesi sicwangciso sotyalo-mali sikhethekileyo, umsebenzisi unelungelo lokuba angabheja kuluhlu olude lwamaxabiso ongezwe kule minyaka imbalwa idlulileyo. Ziinkampani eziqinileyo, ezinesisindo esomeleleyo kwizalathiso zazo kwaye zinomthamo omkhulu wokugaya abantu. Ngokuchasene noko, iinkampani ezincinci zokwenza imali azikho kolu luhlu njengoko zingahlangabezani neemfuno eziyimfuneko zokudwelisa kwintengiso yezemali. Ukuba akukho njalo, ngokuchaseneyo, akusayi kubakho limbi ngaphandle kokwenza imisebenzi kutshintshiselwano lwesitokhwe sikazwelonke.