Ukunikezela ngokusasaza kunyanzeliswa ngokukhawuleza ukunciphisa ityala. Ngokukodwa, kuthetha ukuthintela ipesenteji ezihambelanayo, okanye inani elithile leedola, kwesahluli-mali ehlawulwa ngetyala.
Inokuthi iyenze mhlawumbi ngokuvelisa imali engaphezulu okanye ukuthengisa izinto ezifana ne-real estate, amasheya, iibhondi, izahlulo, iinkxaso-mali, njl njl. Injongo yokwehliswa kweyona nto idla ngokukhawuleza ukunciphisa umngcipheko (xa ukuchithwa komsebenzi kuqhutywa ngokuzithandela) okanye ukuphepha i-bankruptcy ( xa ukuchithwa komsebenzi kwenziwa ngenxa yenguqu kwimeko yezemali).
Ukuze uqonde i-mechanics yokuchithwa kwempahla, kufuneka uqonde ukuba ii-asethi kwi-balance sheet kufuneka zixhaswe ngemali. Kwiimeko ezininzi, umthombo wezimali okhuselekileyo unobulungisa ngabanini-mali. Le yimali eyiyo ngqo ngaphandle kwayo. Unokuhlawula imali kunye nokuboleka. Ngokomzekelo, ukukhutshwa kwemali kwindlu kukuvumela ukuba ukhuphe ixabiso elikhulu lokuthenga, kunye nebhanki ephethe ezinye.
Thatha umntu ophethe i-asethi, njengefayili yokuqala yeoli ebiza i-$ 100,000. Ukuba uhlawula yonke into ekuthengiweyo kunye nabalingani-nxaxheba, okanye ukubaluleka kwexabiso, kunye nomsebenzi wobugcisa banda kwixabiso eli-10%, bahleli kwi-R10 000 yokufumana intlawulo engaphambili.
Ngokufanayo, ukuba ixabiso lepeyinti liyancipha i-10%, bafumana ulahleko lwentlawulo ngaphambi kokuhlawula irhafu.
Ngoku, cinga ukuba intengo yokuthenga ixhaswe ngemali engama-50% ngokulingana kunye ne-50% yeetyala-oko kukuthi, babeka phantsi i-$ 50,000 kwaye bathabatha imali-mboleko yeminyaka engama-50,000 ukuze bahlawule imali. Ukwanda okanye ukwehla okufanayo kuya kubangela ukuba i-gain okanye ilahleko ephindwe kabini kwimimiselo yepesenti, ngaphantsi kweendleko zemali eboleweyo.
Ukuba kuthatha unyaka ukuthengisa umzobo kwintlawulo kwaye inzala yemali mboleko yayingu-8%, kwaye ukunyuka kweepesenti kuya kuba ngu-18.4% (i-$ 10,000 eyinzuzo - i-$ 4,000 inzala = i-$ 6,000 inzuzo engenayo igalelwe kwi $ 50,000 equity = .12, okanye 12%). Ukulahleka kuya kuba ngu-28% (i-$ 10,000 yokulahleka + i-$ 4,000 iindleko zenzalo = $ 14,000 ukulahleka + i-$ 50,000 ukulingana = $ 36,000 i-net net = 28% ukulahlekelwa).
Ulwalamano olunjalo lweemathematika yinto eyenza umgangatho uphumelele kakhulu kwicala elihle kwaye liwonakalisa kwicala elibi. Xa inkampani okanye umntu ekudlulayo, ukunciphisa umngcipheko wokutshatyalaliswa kwemali xa izinto zihamba ezantsi. Kodwa, kuncitshiswe nokunciphisa oko bangayifumana xa izinto zichanekile. Nangona ngamanye amaxesha lithetha ukuyeka ezinye iinjongo ezingenako, ukuchithwa kwemithwalo kuthatha ingozi enkulu etafileni ngoko kugxininisa ukulungisa isiseko soshishino okanye ukufumana ukuphefumula kwezezimali.
Umzekelo oqingqileyo wokuchithwa kweminye kwiminyaka elishumi edlulileyo i-BP, plc, ioli yeBritani kunye negesi yendalo yegesi. Emva kokuchithwa kweoli kwiGulf yaseMexico ngo-2010, ifayili yathengisa iiligidi zeebhiliyoni kwiimpahla, zinciphisa ubungakanani bendawo yokubamba kwayo kwaye zityhoxisa iimali zayo. Oku kwaye kwasindisa ukuba ihlawule iibhiliyoni zeedola ngokuhlawulwa kunye nezohlwayo.