Ewe okwangoku, ngoku elinye lamashishini asakhasayo amelwe yi-ecommerce. Kodwa nangona kungabizi kangako ukuyenza ngokuziqhelanisa, ngokuqinisekileyo akukho ngaphandle kweendleko. Hayi kangako. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka Ukuqokelela imali eyaneleyo kwizinto, uphuhliso lwenkampani kunye nokufikelela kubaboneleli. Kwaye ukuba ityala liya kuba mandundu ukuba kukho abasebenzi kwinkampani yethu.
Njengoko sele kubonisiwe, kukho uthotho lweendleko ekufuneka zijongane ngokungaphephekiyo. Ngaphantsi kweenkampani ezibonakalayo, kodwa oko makwenziwe ngokusesikweni kwisithuba esifutshane kakhulu sexesha. Eyona ndlela yokuyisombulula le ngxaki kukuba nemali eyoneleyo yokungaxhomekeki kwezinye izisombululo ekuhambeni kwexesha ezinokubiza kakhulu. Zombini ezi ntlawulo zenziweyo kunye nexabiso lenzala eliveliswe lolu hlobo imisebenzi yekhredithi.
Kuba kuyinyani ukuba ekugqibeleni ekuphela kwesibonelelo esiza kuba naso kukuya kumgca wekhredithi obonelelwa ngamaziko emali kunye namatyala okwangoku. Kodwa kuya kubiza malini ukusayina ukusebenza kwezi mpawu? Siza kuzama ukucacisa ukuba iikhredithi zinikwa njani amandla kwintengiso kwaye zenzelwe ukumilisela i-ecommerce okanye urhwebo lwe-elektroniki.
Ukuxhasa ngezimali i-ecommerce
Le mithombo yenkxaso-mali yabantu ibonakaliswe ngaphezu kwako konke kuba ayixhaphakanga ukuyifumana kwisibonelelo esikhoyo. Kuzo naziphi na iimeko, unikwa iindlela ezizezinye zokwenza eli bango lisebenze kuphuhliso lweshishini ledijithali, nokuba lunjani kunye neemveliso, iinkonzo okanye izinto ozinika abathengi okanye abasebenzisi.
Kule meko ngokubanzi, kufanele kuqatshelwe ukuba unemithombo emininzi yenkxaso-mali. Akukho namnye njengoko unokukholelwa ekuqaleni. Ukusuka kwimigca yamatyala emveli kwiimodeli ezithile zolu hlobo lweshishini ledijithali. Ngeemeko ezahluka kakhulu ukusuka kwenye ukuya kwezinye iifomathi. Zombini ngokumalunga nexabiso lenzala elisetyenziswe zezi mveliso zezezimali kunye nemigaqo yokuhlawula kunye nekhomishini okanye inkcitho kulawulo okanye kulondolozo.
Ngayiphi na imeko, siza kukunika ukusukela ngoku ukuba yeyiphi imithombo yezemali onokuthi uye kuyo ukwanelisa le mfuno yobungcali unayo. Uya kubona ukuba ezinye ziqhelekile, kodwa ezinye ziya kutsala umdla wakho ngenxa yentsusa kunye notshintsho kusasazo lwabo. Nangona ulumke kakhulu kwibango lakho kuba umngcipheko kunye nemidla ethathelwa ingqalelo xa ubhenela kuyo ihlala ixhaphaza.
Iikhredithi ze-ICO
Zezona ziluncedo kakhulu kwiminqweno yakho phakathi kwezinye izizathu kuba zezona ziya kukuhlawula imali encinci ekubuyeni kwabo. Ngaphakathi Imigca yezemali enikezelwa liZiko eliSemthethweni leKhredithi, kukho umntu ozinikele ngokukodwa kubasebenzi abaziqeshileyo kwiinkampani eziqala umsebenzi wazo, kule meko ezo zithathwe kwicandelo ledijithali.
Owona mqobo mkhulu ekubhaliseleni kwezi modeli kwezemali kukuba ifuna iimfuno ezifanayo nezifanayo Inkxaso mali yebhanki yemveli. Oko kukuthi, ngekhe ufumane izibonelelo ezongezelelweyo kwimvume yayo. Nangona ekugqibeleni uyakufumana umyinge wenzala okhuphisanayo ngakumbi kuwe, isishumi sepesenti esisezantsi kunemali mboleko yebhanki yemveli.
Ukuxhasa ngezimali ngeebhanki
Yeyona ndlela ilula kunazo zonke, kodwa inokubiza ngaphezulu kwezinye iifom zezemali zabucala. Inxamnye nayo, inyani yokuba baya kucela iimfuno ezingaphezulu: ukuboniswa kweprojekthi, iiakhawunti zobungcali kwaye kwezinye iimeko isiqinisekiso sobuqu. Kanye njengoko unokufuna isiqinisekiso sezindlu nomhlaba kurhwebo lwakho lwe-elektroniki okanye enye ipropathi yakho.
Kwelinye icala, inqanaba lenzala abanokufaka isicelo kulo mveliso wemali linokufikelela amanqanaba ukuya kwi-9%. Kule nto kufuneka sibe neekhomishini kunye nenkcitho kulawulo nolondolozo ezinokunyusa iindleko zayo zokugqibela ukuya kuthi ga kwi-3% eyongezelelweyo. Phakathi kwala maxabiso, ukurhoxiswa kwangethuba, ukubekwa kwindawo engeyiyo okanye ezinye izinto ezenziweyo kumgca wekhredithi.
Enye into ekufuneka uyiqwalasele lixesha lokuhlala ngokusisigxina kolu didi lweekhredithi ezihamba kuluhlu olusuka kwiinyanga ezilishumi elinambini ukuya kwiminyaka elishumi. Apho uyakuba nenkqubo yezavenge rhoqo inyanga nenyanga kwimeko yenqanaba lexesha elimisiweyo kunye nepesenti yemali engachazwanga kumgangatho oguqukayo.
Olukhetho olunomdla ngakumbi ukuba uyazi indlela yokuxoxisana neziko lakho letyala kwaye ufumane ezinye iimeko ezingcono ekuqeshweni kwakho. Ukongeza, sisicwangciso esifumanekayo kubo bonke oosomashishini abancinci nabaphakathi kwicandelo ledijithali. Ngezinikezelo ezicebisa kakhulu nangona zifika ngexesha xa zikhutshwa.
Enye into encomekayo yile iboniswe ngamashishini ezemali angengawo amabhanki kwaye adityaniswe namaqonga ezemali eCommerce yakho. Ziimodeli ezilungelelaniswe ngakumbi kwiimfuno zakho nangona zibuye zivelise umdla omkhulu kwasekuqaleni.
Omnye wemirhumo yabo kukuba akaphathi zindleko. Ziliqhezu kuphela ulwazi olufunekayo ukuze ufunde okungakumbi malunga neshishini lakho. Ukuya kwinqanaba lokuba ukubuya kwakho ngaxa lithile kunokubonisa ingxaki engaphezulu kwesinye.
Iinkxaso-mali zikarhulumente nezengingqi
Uncedo lwayo luvela kwinto yokuba inikwa ngeendlela ezimbini: kwinqanaba likarhulumente nakwingingqi. Qho ngonyaka kunikezelwa ikakhulu izibonelelo ezingabuyiswayo, ngemeko yokuhlangabezana nothotho lweemfuno ezahluka ngokuxhomekeka kuhlobo loncedo oza kulufuna ukusukela ngoku. Ngelixa kwelinye icala, kwaye njengeyona nto iphambili, kukwakho nenkxaso-mali yoosomashishini abasetyhini kunye nabo bangaphantsi kweminyaka engama-35 yobudala kwezinye iindawo ezizimeleyo, ngaphandle komsebenzi oqalisiweyo.
Kuzo zonke iimeko, esona sigqibo sihle kukuzazisa ngenxa yokuba zeziphi iifom zezimali, uhlobo loncedo okanye lwesibonelelo, onokusebenzisa eli xesha ukuqala ishishini okanye ivenkile ye-elektroniki. Ingakumbi ukwazi ukuba iyangena kuhlahlo-lwabiwo mali lwakho okanye iingcali. Ngayiphi na imeko, inokukunika ikhefu ngaphambi kokucela umgca wekhredithi kwibhanki yakho yesiqhelo.
Le yeyona modeli yanelisayo kwiminqweno yakho kunye neyakho yobungcali okoko unokuya kuyo kwaye isicelo sakho samkelwe. Ngeemeko zesivumelwano esoloko sithambile kuneminye imithombo yezemali yorhwebo lwe-elektroniki. Uyakonga phi imali ngexesha lokugqitywa komsebenzi, inzala kunye neekhomishini kunye nenkcitho kulawulo nolondolozo.
Ukuxinana
Lo indlela entsha yezemali Ibe yeyona fomathi intsha kuzo zonke kwaye ngokuqinisekileyo ihleli kwindawo yesizwe. Aba ngabatyali mali babucala abathi, ngokusebenzisa iqonga le baxhasa ngemali iiprojekthi zazo zonke iintlobo, kwaye kule meko zigcinelwe iiprojekthi zedijithali okanye amashishini. Nokuba yeyiphi na indalo kunye nemodeli yolawulo. Kuba ekupheleni kosuku yintoni malunga nokuba unenkcitho encinci yokuxhasa le projekthi ukusukela ngoku.
Enye into ekufuneka uyivavanyile xa ubhekisa kwinto ekuthiwa yeyokuxinana kukuba ikuvumela ukuba ubonelele ngenkcitho encinci ukusukela ekuqaleni. Ngenxa yenyani yokuba yinkxaso-mali ekhethekileyo yeenkampani okanye yeeprojekthi kwaye ibonakaliswe ngaphezulu kwako konke ngokuba yimodeli eyahlukileyo kubo bonke abanye. Apho ikuvumela khona ukuba uxhase ngezimali ngabantu basezimalini ngaphandle kokubhenela kwiinkonzo zebhanki okanye elinye iziko lemali lemveli. Kwaye apho ngokucacileyo umngcipheko kunye nemidla ethathelwa ingqalelo xa ubhenela kule mveliso yokuqala yezemali ihlala inganampatho mbi.
Oomatshini bayo basekwe ikakhulu kwinto yokuba Abatyalomali bathatha isigqibo sokuba batyale na okanye hayi kwiprojekthi yakho. Kungenxa yoko le nto ihlala ifikeleleka ngakumbi kwiinkampani ezingasekelwanga ngokupheleleyo kwicandelo, kodwa zona njengembuyekezo zinikezela ngakumbi iqinisekisa ekuhlawulweni kwayo. Kodwa apho isixa sivela kubatyali mali babucala kwaye ungaze uvela kulo naluphi na uhlobo lwaseburhulumenteni okanye amaziko aqhelekileyo.
Kwelinye icala, kufanele ukuba kugxininiswe ukuba kunokubakho ezinye iindlela ezizezinye zokuxhasa ngemali ezisekwe kwizicwangciso ezahlukeneyo. Umzekelo, ezinye iindlela zenkxaso-mali ezibonelela ngokwenyani yokufikelela kwiinkunzi ziinkampani. iinkampani zamatyala ezingabhaliswanga ezibonelela ngobulungisa babucala. Kodwa kwiimeko ezininzi phantsi kwexabiso lenzala elihlukumezayo. Ukuza kuthi ga kwinqanaba lokuba banokudlula kumanqanaba angama-20%. Oko kukuthi, ngababolekisi bakudala abanomdla wabo kwimali yenzala kuthathelwa ingqalelo ukungabinakho ukukubonelela ngexesha elinikiweyo. Yeyiphi eyona njongo yayo iphambili emva kwayo yonke loo nto.