Ndalama zoyambirira (zomwe zimagwira ntchito monga ndalama zogwira ntchito) ziyenera kubweza ndalama zogwirira ntchito kwa chaka chimodzi kapena mpaka bizinesi ikhoza kupanga ndalama zokwanira kuti zikhalepo.
Ndalama zogwirira ntchito zikufunika kuti mabungwe onse atsopano azilipira ma licens ndi ndalama zina, zida zogula, malo obwereka, malonda oyambirira, malipiro, ndi ndalama zina zonse zomwe ziyenera kuchitidwa kufikira ndalama zanu zowonjezera ndalama zowonjezera ndalama zonse.
Njira Zowonjezera Kugwira Ntchito Boma Pamene Bzinesi Yanu Sili Kupanga Phindu
Musanayambe kupeza njira zopezera ndalama zogwirira ntchito, onetsetsani kuti mukuyamba kudula ndalama zonse zomwe mungathe. Kuchepetsa ndalama zomwe mumagula, ntchito yochepa yomwe mukufunika kuigwiritsa ntchito.
Ndalama zogwira ntchito zikhoza kuwonetsedwa ngati nambala yabwino kapena yolakwika malinga ndi ndalama zomwe bizinesi ikugwira. Ndondomeko yowonetsera ndalama yomwe ikugwiritsidwa ntchito powerengera ndalama zomwe zikugwira ntchito za bizinesi ndi:
Ndalama Zamakono - Zolakwitsa Zino = Ntchito Yogwira Ntchito
Ngati mutagwiritsa ntchito fomuyi ndikubwera ndi nambala yolakwika, mukufunikira ndalama zambiri zogwira ntchito.
Kuti mudziwe kuchuluka kwa ndalama zogwirira ntchito zomwe muyenera kuyamba ndi nambala yosayenerera (momwe muliri kale mu dzenje) ndi kuzichulukitsa ndi hasi 1.5. Mapangidwe a masamu amatenga kuchepa kwanu ndipo akuwonjezera ndalama zambiri zogwira ntchito. Izi ndizo ndalama zochepa zogwirira ntchito zomwe muyenera kubwereranso.
Mwachitsanzo:
Ndalama zamakono za $ 5,000 - Zolakwitsa zamakono za $ 12,000 = ($ 7,000) (muli mu khomo lalikulu la ndalama za $ 7,000)
(- $ 7,000) * (-1.50) = $ 10,500
Ngati muli ndizinthu zina zamtengo wapatali zomwe mukuyenera kuzilandira zimaphatikizapo ndalamazo.
Kodi Kumagwirira Ntchito Kumachokera Kuti?
Kuchokera kuzinthu zowerengera, ndalama zogwirira ntchito zimachokera ku:
- Zopeza asanachotse msonkho;
- Ngongole za nthawi yayitali (zochepa zomwe sizilipo);
- Kugulitsa chuma chamtengo wapatali (chosakhalapo); ndi
- Ndalama zomwe zimaperekedwa ndi eni eni komanso osunga ndalama (ogulitsa).
Kuchokera pamaganizo anu, ndalama zochepa zomwe mukuzigwiritsira ntchito panopa, zimakhala zovuta kwambiri kukumbitsani ngongole yobwereketsa ngongole kapena ngongole. Mungakhale ndi moyo wabwino ndi mngelo wamalonda kapena munthu amene mumamudziwa.
Njira zowonjezera zowonjezera ndalama zogwira ntchito:
- Momwe Mungaufunse Banja ndi Anzanu Chifukwa cha Ndalama Zogulitsa Zanu Zapang'ono
- Ntchito Yogwira Ntchito - Zimene Simuyenera Kuchita Pamene Bzinesi Yanu ikulimbana
- Malingaliro othandizira ndalama ndi zowonjezera kwa Amalonda Azing'ono
- Zopereka Zothandizira Amalonda Akazi