Xa abaphathi begqiba ukuba imali yokufumana imali kufuneka igcinwe, kufuneka iphendule kubo kwibhalansi phantsi kokulingana kwabanini-mali . Oku kuvumela abatyali-mali ukuba babone ukuba imali eye ibekwe kwishishini ngaphaya kweminyaka. Emva kokuba ufunde ukufunda isitatimenti sengeniso , ungasebenzisa isibalo sokufumana imali esigcinwe ukugqiba ekubeni ulawulo olufanelekileyo luhambisa njani kwaye lutyalo imali yabanini- mali. Ukuba uqaphela inkampani iyalima yonke imbuyekezo yayo emva kwayo kwaye ayikho ukukhula okuphezulu ngokungaqhelekanga, unokuqiniseka ukuba abanini-zimpahla babeya kuba bhetele xa ibhodi yabalawuli ibhengeze isahlulelo esikhundleni.
Ekugqibeleni, injongo yolawulo oluphambili ukudala i-$ 1 kwixabiso lemarike yonke i-$ 1 yemali efunyenweyo. Nayiphi na ishishini elomeleleyo ekugcineni inzuzo eyayikuwe, umnini, ngaphandle kokuthumela imali kuwe kwifomu yesahlulo okanye ukwandisa ubutyebi bakho ngokufumana imali eyinzuzo ephezulu ayiyi kuba nenzuzo enkulu.
Ukutshala imali ngokuphathelele ukubeka imali namhlanje ngemali engaphezulu kwixesha elizayo. Akukho mntu onengqiqo uza kuqhubeka ebambe isigxina kwinkampani engazange ivumele nayiphi na imivuzo yokugqithisela kumnini-mboleko.
Ukugcinwa kwemizekelo yeziphumo ezivela kwiinkampani zangempela
Makhe sijonge umzekelo wokufumana umvuzo kwisalathisi:
- UMicrosoft uye wagcina i-$ 18.9 yezigidigidi kwimali engenayo kwiminyaka. Unamaxesha angaphezu kwama-2.5 loo mali kwi- equity equity equity ($ 47.29 billion), akukho matyala, kwaye ifunyenwe ngaphezu kwe-12.57% ngokulingana kwayo kunyaka odlulileyo. Kucacile ukuba, inkampani isebenzisa imali engumnini-mali. Ngentengo yeemarike ezingama-314 zamawaka ezigidi, i-software enkulu enkulu yenza umsebenzi omangalisayo.
- I-Lear Corporation yinkampani eyenza izixhobo zangaphakathi zeemoto kunye nezixhobo zombane wonke umntu ovela kwi-General Motors ukuya kwi-BWM. Ngowe-2001, inkampani yayigcine ngaphezu kwe-1 billion yezigidi kwiimali ezifumana imali kwaye ibe nexabiso elibonakalayo elibonakalayo lemali eyi-1.67 billion! Kwakubuyiselwa kwi-equity of 2.16%, leyo, ngelo xesha, yayingaphantsi kwe-akhawunti yokugcina i-passbook. Le nkampani yayingumlinganiselo wexabiso ngeenkwenkwezi kwii-79.01 amaxesha afunyanwayo kwaye ibe nekhredithi yemarike eyi-$ 2.67 yezigidigidi. Ngamanye amagama: Abanikazi abanini-mali bahlawulela iiligidi ezigidi zeedola imali yabo kwinkampani kwaye bafumana ntoni ngokubuyisela? Baye batyala imali eyi-1.67 yezigidigidi. Oko kutyalo-mali.
Umzekelo weLear ufanele ukhangele ngakumbi. Unokuzibuza ukuba inkampani leyo ibingakanani ixabiso leencwadi ezingama-$ 23.77 ngesabelo ngasinye, kodwa ke abanini-mali babeneemali ezigidigidi neyesigidi. Ukuba ubheka i-balance sheet yeLear, uya kuphawula ukuba ubonise ukulingana kwabanikazi abanani-mali be $ 1.6 billion kunye neempahla ezibonakalayo ze-$ -1.665 billion.
Oku akukhangeleki njengento embi kakhulu kuba ufumanisa i-$ 3.27 yezigidi zeempahla kwi-balance sheet yenkampani enokwenene. Ubulungisa bezabanikazi babelungelelaniswa nomfanekiso wenkxaso - ngaphandle kwayo, abanini-zimali bashiywe bahlawula imali kubabolekisi beenkampani.
Kuyabonakala ngokukhawuleza ukuba abanini-zimali babeya kuba ngcono xa inkampani ihlawula igalelo layo njengenzuzo. Ngelishwa, i-economics yenkampani yayimbi kakhulu ukuba inzuzo ihlawulwe, ishishini mhlawumbi liye laphazamiseka. Imali ehlawulwayo yabuyiselwa kwakhona kwizinga elingaphantsi kwembuyekezo. Ngeli xesha, umtyalo-mali uza kuzuza ngaphezulu kwimvuzo ngokuyibeka kwi-CD okanye kwingxowa-mali yemakethe kunokubuyiselwa kwi shishini.