Akuyona nje imenenja onolwazi lwebhizinisi, kodwa ngisho nosomabhizinisi wokuqala kufanele azi ukuthi yinzuzo engakanani emkhakheni nokuthi yiyiphi ibhizinisi lokuthengisa. Siphakamisa ukuthola konke okuphathelene nalolu hlobo lwenzuzo kanye nokuthi yiziphi izinzuzo ezibonakalayo ezibonakalayo.
Iyini umkhawulo emnothweni?
Kuyavunywa ukuthi umkhawulo wezinzuzo ngumtheksthi emkhiqizo kusukela kumanani okudayiswa athola ngemuva kokunciphisa intengo yezindleko, kanye nezindleko zenzalo kusuka kumaphuzu asetshenziselwa ukuhwebelana. Ngokuvamile leli gama litholakala ngokuhwebelana ngokushintshisana nokusebenza kwamabhange, emkhakheni womshuwalense nokuhweba. Esiqondisweni ngasinye esithile, ama-nuances athile ayingxenye. Kulesi simo, umkhawulo uboniswa ngamaphesenti, noma ngobuningi.
Iyini inzuzo yangaphakathi?
Wonke umuntu osomabhizinisi kufanele aqaphele ukuthi inzuzo engaphansi kwayo yilehluko phakathi kwemali evela ekuthengiseni nasezindleko ezingavumelani. Ukufezekisa i-break-even, lolu hlobo lwenzuzo kufanele lufake izindleko ezijwayelekile. Ngesikhathi esifanayo, ukulinganisa kuthathwa yiyunithi ngayinye yokukhiqizwa futhi kuyo yonke indawo, noma ukuhlukaniswa iziqephu. Inzuzo encane yikwanda kwezinto ezibonakalayo kusukela ekuthengisweni kwempahla ethile. Lolu hlobo lwenzuzo lufana nezindleko ezivamile.
Kungani sidinga inzuzo yemali?
Akuzona zonke izomabhizinisi azi? yimuphi umkhawulo walokho futhi yiliphi izinga lezinzuzo eziphansi. Le nzuzo ibhekwa njengento eyinhloko yamanani kanye nenzuzo yezindleko zokukhangisa. Ingakwazi ukukhombisa ukuzuzisa kokuthengisa futhi kube umehluko phakathi kwentengo nezindleko. Ngokuvamile kuboniswa njengenzuzo noma njengephesenti yentengo eyisisekelo. Kukhona isibonakaliso esibonisa umehluko phakathi kwemali evela ekudayiseni kwemikhiqizo kanye nezindleko ezingezona zenkampani. Ngokuvame ukubizwa ngokuthi umkhawulo ophansi.
Umehluko wenzuzo evela enzuzweni yangasese?
Ngokuvamile abadayisi bebhizinisi abaqala ukuqala banesithakazelo kulokho umqondo wokuthola inzuzo emkhawulweni wezinzuzo ohlukile. Phakathi kokungafani okuyinhloko kukhona:
- Inzuzo iyinzuzo yebhizinisi, umehluko phakathi kwenzuzo ekudayiseni kwemikhiqizo yomsebenzi wayo futhi ubiza kuze kufike ekuthengiseni.
- I-margin kanye nenzuzo zilinganiselwe. Ukuphakama komkhawulo wenkampani, imali engenayo ingalindelwa. Ngakho-ke, singasho ukuthi umehluko oyinhloko phakathi kwenzuzo engaphansi kanye nenzuzo yilapho le mqondo isetshenziswa khona
Uyini umehluko emkhatsini wezintambo ezingapheli kanye nezinzuzo eziphansi?
Ngisho nosomabhizinisi wokuqala kufanele aqonde umehluko phakathi kwezinzuzo ezingenasipiliyoni kanye nezindleko ezinkulu:
- Ukubala inzuzo eyinzuzo, inani lemali eqondile libalwa kusukela kwimali engenayo, futhi inani leziguquko libalwe ngenani lemali engenayo.
- Inzuzo enkulu ayisoloko ilingana nomkhawulo, ngoba izindleko aziguquli ngaso sonke isikhathi.
- Inzuzo eningi ibonisa inkomba jikelele yenempumelelo yenkampani, futhi imali engenayo yemali ikuvumela ukuthi ukhethe indlela ebiza izindleko zokwenza ibhizinisi futhi unqume uhlobo nomthamo wezimpahla ezikhiqizwayo.
Indlela yokubala inzuzo ephansi?
Ukubala inzuzo ye-margin akulula kakhulu. Uma inkampani ikhiqiza izinto eziningana ngesikhathi esifanayo, inzuzo ye-margin kanye nokubala kwayo yingxenye ebalulekile yokuhlaziywa. Uma inkampani ikhiqiza kakhulu, kubiza kancane. Kungasebenza futhi ngokuphambene nalokho, ngoba lokhu kungafaka izindleko zokubala.
Ungathola mayelana nenzuzo yangasese usebenzisa ifomula ekhethekile. I-formula yezinzuzo ezingaphansi kwe- MP = PP-Zper ibonisa inani elihlanganisa izindleko zokukhiqiza. Lapha iPhalamende iyinzuzo engaphansi, kanti i- PE yinzuzo yenkampani, iZper iyinani eliguqukayo . Lapho imali ehola kuphela ihlanganisa izindleko zebhizinisi, khona-ke lihlala ngesikhathi sokuphumula.