Pachikhalidwe chake chofunikira kwambiri, ndalama ndizo ndondomeko ya bizinesi yokhala ndi ndalama zogwirira ntchito bwino. Nthawi zambiri zimatchulidwa kuti ndi nthambi yogwiritsira ntchito ndalama. Choncho, anthu omwe amadziwa bwino zachuma amamvetsetsa bwino ndalama, ngati si intuitively. Zina mwazofunika kwambiri pazinthu zachuma ndizo:
- Kusintha ndalama
- Kubwereka
- Kulipira
- Akusunga
- Kupereka ndalama
Pogwiritsa ntchito ndondomeko zachuma ndi njira, pamakhala ziganizo zapadera zogwirizana ndi mtundu wa bungwe lomwe liripo. Chotsatira chake, ndalama zambiri zimatchulidwa kukhala ndi magulu anayi akuluakulu:
- Ndalama zaumwini kapena ndalama zapanyumba kapena ogula ndalama
- Ndalama za bizinesi kapena mabungwe azachuma
- Ndalama zopanda phindu
- Boma la zachuma kapena zachuma
Mapulogalamu azachuma ndi Financial Management:
Koma kusiyana kotere kumayenera kukonzedwa pakati pa makampani azachuma ndi ntchito yosamalira ndalama . Tsatirani chiyanjano cha tsatanetsatane.
Mwachidule, mabizinesi azachuma amagwira maudindo ofunika awa:
- Kusunthira ndalama mwachangu pakati pa opulumutsa ndi okongoza
- Kukulitsa ndalama zamalonda ndi maboma
- Kupereka uphungu wamalonda
- Kusamalira ndalama za ndalama
- Kuchepetsa kuopsa kwa ndalama zowonongeka (chofunika cha inshuwalansi )
Panthawiyi, ntchito yosamalira ndalama ikupezeka m'njira zosiyanasiyana m'makampani, zopanda phindu komanso mabungwe a boma mofanana.
Anthu omwe ali m'ntchitoyi ali ndi udindo wogwiritsira ntchito ndalama, kayendedwe, koyenera komanso koyenera. Pankhani ya bizinesi yopindulitsa, abwana a zachuma amathandiza kwambiri pakupeza ndi kukhazikitsa njira zowonjezera phindu.
Financial Data:
Ndalama zimadalira kwambiri kusonkhanitsa, kukonzanso ndi kusanthula deta pa ndalama zothamanga, katundu (zomwe zilipo) ndi ngongole (zomwe zilipo).
Choncho, misonkhano yambiri yakhazikitsidwa pokhudzana ndi kusungirako ndalama ndi kuika malipoti, ndipo mabungwe abwino nthawi zonse amafunafuna kusintha kwa kayendedwe kawo kachitidwe ka kayendetsedwe ka ndalama . Mofananamo, anthu ndi mabanja omwe amayendetsa bwino ndalama zawo amatha kukhala okonzedwa bwino komanso oyenera pazolemba zawo.
Kuyeza ndi Kusamalira:
Khalidwe lakale kwambiri mu bizinesi ndikuti simungathe kusamalira zomwe simungathe kuziyeza. Ndalama zakhala ndi mbiri yakale kwambiri, ndipo mabwana ambiri m'mabungwe osiyanasiyana amayang'ana mabungwe awo azachuma kuti apereke ndi kutanthauzira deta yomwe ili yofunika kwambiri kuti igwiritse ntchito maluso.
Kuwerengera ndi Chilankhulo cha Bzinthu:
Kuwerengera kwa nthawi yaitali kwafotokozedwa ngati chinenero cha bizinesi. Ndipotu, buku lophunzirira lomwe linali pamtunda linali ndendende. Mfundo zowonongeka zowonongeka zimatsogolera kusunga ndi kusunga malipoti. Chotsatira chake, kukhala ndi chidziwitso chodziwika ndi mfundo zoyendetsera chuma ndizopindulitsa kwambiri, ngati sizikufunikira, kwa akatswiri ambiri azachuma.
Makampani owerengetsera ndalama , panthawiyi, apatsidwa udindo woonetsetsa kuti ndondomeko za ndalama zimagwiritsidwa ntchito poyendetsera ndalama, oyang'anira ndalama, olemba zachinsinsi ndi aphungu a zachuma (pakati pa ena ambiri) amadalira.
Ambiri mwa iwo amaperekanso maulendo othandizira ogwira ntchito omwe akuphatikizapo kupereka malangizo pa njira zothandizira ndalama.
Ndalama monga Chilango Cha Maphunziro:
Maphunziro a zachuma ndiwo zopereka zazikulu za sukulu iliyonse ya bizinesi, ponseponse maphunziro ophunzirira maphunziro apamwamba ndi omaliza maphunziro. Komanso, m'masukulu ambiri a zamalonda, ndalama zapamwamba kwambiri zakhala zikudziwika bwino kwambiri ndi ophunzira akutsatira zina zazikulu. Izi zikuwonetseratu ntchito zodziwika bwino zachuma pa ntchito.
Nkhani yosangalatsa ya mbiri yakale yokhudza mbiri yadziko lonse yoyamba yothandizira bizinesi, The Wharton School ya Yunivesite ya Pennsylvania. Pachiyambi chake mu 1881, dzina lake lonse linali Wharton School of Finance ndi Economy, anasintha kukhala Wharton School of Finance ndi Commerce mu 1902.
Kuchokera mu 1972 kakhala kokha Wharton School. Ngakhale zili choncho, anthu ambiri akupitiriza kuitcha kuti Wharton School of Finance, ndikuwonetsa zomwe zasintha kwambiri.
Chofunika kwambiri, mbiriyi ikuwonetsa kuti kufunika kwa ndalama monga chilango kumabwerera kumayambiriro kwa maphunziro a zamalonda. Onaninso kugwirizana pakati pa ndalama ndi zachuma monga maphunziro a phunziro, mu dzina loyamba la sukulu.
Chochititsa chidwi n'chakuti pamene omaliza maphunziro a Wharton's MBA amapeza madigiri akuluakulu monga ndalama, ma accounting, malonda kapena maulamuliro (pakati pa anthu ena ambiri), onse omwe amaphunzira maphunziro apamwamba akupeza BS muzochita zachuma, ngakhale kuti maphunziro awo ambiri ali muzinthu zamalonda monga ndalama, ndalama , malonda ndi maulamuliro, osati mmaganizo ophunzitsidwa monga ophunzitsidwa m'sukulu zamasewera olimba. Wharton akulongosola izi ponena kuti izi zokhudzana ndi bizinesi izi zikuphatikizapo ntchito zothandiza zachuma.