Ukuthatha isigqibo sokuthatha akuyonto ilula, ngakumbi kuba uzibhenca ngokubeka inxalenye yemali yakho emngciphekweni ungazi ukuba iya kusebenza na okanye hayi, ukuba ukhethe icebo elilungileyo kwaye liyaphumelela. Ngoko, oosomashishini abaninzi baziqalisa befuna inkxaso-mali: iikhredithi, iimali-mboleko, ukufaka izinto...
Sifuna ukukuboleka isandla kwaye, ngenxa yesi sizathu, namhlanje sifuna ukuthetha nawe malunga nezo iingcebiso ngezezimali kunye namaqhinga anokuthi abe luncedo ukuba ungomnye woosomashishini abatsha abathathe isigqibo sokuthatha inyathelo kwaye benze ishishini lakho. Kutheni ungayenzi ngeenzuzo ezongezelelweyo?
Amaqhinga okuxhasa ngemali ukwenza ngokukhuselekileyo
Akukho mathandabuzo ukuba ushishino luyingozi. Unokuba nowona mbono ulungileyo kwihlabathi kwaye ungazi ngokuthe ngqo ukuba iya kusebenza okanye hayi, ukuba abathengi baya kukwazi, bathenge, bancome kwaye bathenge kwakhona. Kwaye oku kubandakanya ukubeka izinto ezininzi emngciphekweni. Yiyo loo nto enye ye Imiqobo emikhulu xa uqalisa ishishini kukuxhasa ngemali, oko kukuthi, ukuba nemali efunekayo ukuhlangabezana nazo zonke iindleko, zonke iintlobo, ezikhoyo kwishishini.
Enye yeengcebiso zokuqala ezihlala zinikwa nawuphi na usomashishini omtsha kukuba ithathele ingqalelo onke amathuba akhoyo okuxhasa iprojekthi ngemali kuba, amaxesha amaninzi, ezi "aids" inokuba lutyhilo olufunekayo ukuze ishishini liphumelele. Okanye ubuncinci ukuba ibambe kwaye iqhubele phambili.
Ngaba ufuna iingcebiso ezingakumbi? Qwalasela.
Qwalasela imithombo yenkxaso-mali ekhoyo
Le yinto abangayijongi abaninzi kuba becinga ukuba ayifanelekanga, kufuneka ibuyiswe, okanye ayinikwa nabani na. Kwaye eneneni yimpazamo ukucinga ngolo hlobo. Ingakumbi ukuba awuzazisi ngazo ngaphambili. Uyabona, eSpeyin azikho iindidi ezininzi, kodwa ubuncinane sinazo. Zezi:
- Eyakho yezemali. Oko kukuthi, inkunzi onokuthi ube nayo ukuze uqale ishishini. Le yinto elula kuba iya kuxhomekeka kugcino onalo nakwimali onokuthi uyinike ukuqalisa inkampani yakho.
- Ukuxhaswa ngemali kwezi zintathu fs. Ngokukodwa: usapho, abahlobo kunye "nezidenge" (usapho, abahlobo kunye nezidenge). Kubandakanya ukusebenzisa inkunzi othe usapho lwakho, abahlobo okanye abantu abakholelwa kuwe bakunika inkampani yakho ngendlela yokuba ufumane imali eninzi. Inxaxheba yakho inokusekelwe kwimali-mboleko, iminikelo okanye izabelo kwinkampani.
- Ukugcwala kwabantu kunye nokubolekisa ngemali. Lumka, kuba zombini azifani. I-Crowdfunding ngamaqonga amancinci okuxhasa. Ngelixa i-crowdlending ibhekisa kubantu ababonelela ngemali ngenzala (uhlobo lwemali-mboleko kunye naloo mntu okanye inkampani).
- Inkxaso. Le yenye yezona ziyaziwa kakhulu, kodwa amaxesha amaninzi kufuneka ufunde ushicilelo oluncinci kakuhle ukwazi ukuba unomdla okanye hayi. Amaxesha amaninzi, oko akuthethi ukuba nemali ukuze uqale ishishini lakho, kodwa kufuneka ube neminye imithombo yemali. Kwaye kukuba ezi zibonelelo ngamanye amaxesha zithatha ixesha elide ukuqala kwaye ezinye zifuna ukuba inkampani sele iyasebenza.
- Imali-mboleko. Zombini iibhanki kunye nokuthatha inxaxheba, oko kukuthi, ezo zenziwa ngokutshintshiselana ngokuba nenxaxheba kwinkampani.
- Ukhuphiswano koosomashishini. Kwimeko apho ungazi, eSpain amabhaso kunye nokhuphiswano bahlala bebanjwa injongo yabo ikukuvavanya iiprojekthi zoshishino. Imali efunyenwe kwezi idla ngokuba nejusi kakhulu kwaye ngamanye amaxesha yanele ukwenza ukutsiba.
- Imigca yoosomashishini. Ezi ikakhulu zisuka kwiibhanki kunye nee-ICO ezijolise koosomashishini ukuba babanike inkxaso-mali. Ukuba ewe, ukuyifumana kuyimfuneko ukuba iziqinisekiso kunye neziqinisekiso zinikezelwe.
- Iingelosi zoshishino. Bangabantu abathatha isigqibo sokutyala imali kwiiprojekthi zoshishino, oko kukuthi, kwiiprojekthi zamashishini amatsha. Ukubuyisela, abafumani nje inzuzo yezoqoqosho, kodwa banokuziva ngathi "ootitshala" kwaye babandakanyeke ekuqinisekiseni ukuba yonke into ihamba phambili.
- Iibhonasi. Umzekelo, xa uqesha abasebenzi okanye kwizabelo zabo baziqeshileyo. Yindlela yokufumana isaphulelo okanye abasebenzi ngexabiso eliphantsi ngenxa yolo kucuthwa kwemirhumo.
Ngokwenyani, mininzi imithombo yenkxaso-mali kwaye iingcebiso zethu kukuba sizithathele ingqalelo kuba ziyakwazi nceda iprojekthi yakho ibe nejelo lenkxaso-mali oko kukuvumela ukuba uzigcine kwaye uye phambili.
suka kancinci uye kokuninzi
Xa sicinga ngeprojekthi yoshishino, kuyinto eqhelekileyo ukuba sicinge nzulu. Kodwa le yeyona mpazamo inkulu onokuyenza. Kwaye kungenxa yokuba akukho projekthi inokuqhubeka kwaye ibe yinto "enkulu" xa ungenayo indlela efunekayo: imali, umsebenzi, unxibelelwano, intengiso ...
Kungenxa yoko, Xa uqala njengosomashishini, kufuneka uhambe kancinci kancinci, ukwazi ukuba iminyaka yokuqala yeyona nto inzima kwaye inzima, kodwa xa ufumene ukuba bakuqaphele, yonke into iya kuba ngcono kakhulu.
Yakha ingxowa-mali yexesha likaxakeka
Into eyenziwa ngoosomashishini abambalwa kukuba ne ngxakeko. Oko kukuthi, imali egcinelwe ukujongana neengxaki ezithile eziza ngokungalindelekanga. Ngokomzekelo, ukuba kwindawo yokugcina impahla abakunikeli izinto ngaphandle kokuyihlawula kuqala; ukuphangwa kwaye kufuneka utshintshe ifestile yevenkile yakho, njl.
Oku, okubonakala ngathi kubudenge, ngokwenene akunangqondo kuba ngaloo ndlela uya kuhlala unomqamelo wokujongana nezo ziganeko zingalindelekanga ngaphandle kokonakalisa into yeendleko kunye nengeniso onayo kuloo nyanga.
Soloko unesicwangciso esilungileyo sezemali
Inokuba yeyona nto idinayo kwaye ikruqulayo, kodwa eneneni kubaluleke kakhulu, kwaye kungenxa yokuba ngale ndlela uya kuqinisekisa ukuba yonke idatha iyavumelana kwaye akukho zingxaki zokubala okanye imali elahlekileyo kwinkampani.
Ngokulawula zombini iindleko kunye nengeniso, ufumana yazi indlela olawula ngayo imali kwaye ungonga kuyo nantoni na.
Nangona ezi zinokubonakala ngathi ziingcebiso ezisisiseko nokuba nabani na uya kuziphumeza, inyaniso yeyokuba oosomashishini abatsha abaninzi batsibela “echibini” bengakhange bathathele ingqalelo ezi ngcebiso. Kwaye ngamanye amaxesha yimpazamo enkulu.