Vele, okwamanje elinye lamabhizinisi asafufusa limelwe yi-ecommerce. Kepha yize kushibhile ukukwenza ngokuzijwayeza, ngokuqinisekile akunazindleko. Hhayi kancane. Uma kungenjalo, kunalokho, kufanele ukuqoqa imali eyanele okokusebenza, ukuthuthukiswa kwenkampani kanye nokufinyelela kwabahlinzeki. Nokuthi icala lizobhebhethekiswa uma kukhona abasebenzi enkampanini yethu.
Njengoba sekubonile, kukhona uchungechunge lwezindleko okufanele lubhekane nazo ngokungagwemeki. Ngaphansi kwezinkampani ezibonakalayo, kepha lokho kufanele kwenziwe ngokusemthethweni ngesikhathi esifushane kakhulu. Indlela enhle yokuxazulula le nkinga ukuba nemali eyanele ukuze unganciki kwezinye izixazululo ekuhambeni kwesikhathi ezingabiza kakhulu. Kokubili ukukhokhelwa okwenziwe kanye namazinga wenzalo akhiqizwe yilolu hlobo lwe imisebenzi yesikweletu.
Ngoba kuyiqiniso ukuthi ekugcineni okuwukuphela kwensiza esizoba nayo ukuya kulayini wesikweletu ezinikezwa yizikhungo zezezimali nezikweletu okwamanje. Kepha kuzobiza malini ukusayina ukusebenza kwalezi zici? Sizozama ukuchaza ukuthi amakhredithi anikwe amandla kanjani emakethe futhi enzelwe ukuqala i-ecommerce noma ukuhweba ngogesi.
Ukuxhaswa kwe-ecommerce
Le mithombo yezimali yabantu ibonwa ngaphezu kwakho konke ngoba akuvamisile ukuyithola ekunikezelweni kwamanje. Kunoma yiziphi izimo, unikezwa ezinye izindlela eziningi zokwenza lesi sidingo sisebenze ekuthuthukiseni ibhizinisi ledijithali, noma ngabe luhlobo luni kanye nemikhiqizo, izinsizakalo noma izinto ozinikeza amakhasimende noma abasebenzisi.
Ngalesi simo jikelele, kufanele kuqashelwe ukuthi unemithombo eminingana yezimali. Akukho noyedwa njengoba ungakholelwa ekuqaleni. Kusuka kolayini bendabuko besikweletu kumamodeli athile alolu hlobo lwebhizinisi ledijithali. Ngezimo ezihluka kakhulu kusuka kolunye kuya kolunye uhlobo. Kokubili maqondana namazinga wenzalo asetshenziswa yile mikhiqizo yezezimali nemibandela yokukhokha kanye namakhomishini abo noma izindleko zokuphatha noma zokulungisa.
Kunoma ikuphi, sizokunikeza kusukela manje kuqhubeke okuyimithombo yezimali ongaya kuyo ukwanelisa lesi sidingo sobungcweti onaso. Uzobona ukuthi ezinye zivamile ngandlela thile, kepha ezinye zizodonsela ukunaka kwakho ngenxa yokuvela kwazo nezinto ezintsha ekusakazweni kwazo. Yize uqaphele kakhulu kwisimangalo sakho ngoba izingozi nezintshisekelo ezicatshangelwayo lapho usebenzisa kuzo kuvame ukuhlukumeza impela.
Izikweletu ze-ICO
Impela zizuzisa kakhulu izintshisekelo zakho phakathi kwezinye izizathu ngoba yizo ezizokubiza imali encane ekubuyiseni kwazo. Ngaphakathi kwe- imigqa yezimali enikezwa yi-Official Credit Institute, kukhona eyodwa ezinikele kuphela kubasebenzi abazisebenzayo ezinkampanini eziqala umsebenzi wazo webhizinisi, kulokhu lezo ezitholakala emkhakheni wedijithali.
Inkinga enkulu ekubhaliseni lezi zinhlobo ngezimali ukuthi ifuna cishe izidingo ezifanayo neze- ezezimali zebhange lendabuko. Lokho, ngeke uthole izinzuzo ezingeziwe ekunikezelweni kwayo. Yize ekugcineni uzothola inzalo yokuncintisana kakhulu kuwe, amaphesenti ambalwa eshumini ephansi kunalokhu okubolekwe ngamabhange wendabuko.
Ukuxhaswa ngezimali ngamabhange
Kuyindlela elula kunazo zonke, kepha kungabiza ngaphezu kwamanye amafomethi ezezimali ezizimele. Kuphikisana nayo, iqiniso lokuthi bazocela ezinye izidingo: ukwethulwa kwephrojekthi, ama-akhawunti ochwepheshe ngisho nakwezinye izimo isiqinisekiso somuntu siqu. Njengoba nje ungafuna isiqiniseko sokuthengiswa kwezindlu ngokuhweba kwakho ngogesi noma enye impahla yomuntu siqu.
Ngakolunye uhlangothi, isilinganiso senzalo abangasisebenzisa kulo mkhiqizo wezezimali singafinyelela amazinga afinyelela ku-9%. Kulokhu kufanele sibe namakhomishini nezindleko ekuphathweni nasekulondolozweni okungakhuphula izindleko zayo zokugcina kuze kufike ku-3% owengeziwe. Phakathi kwalezi zilinganiso, ukukhanselwa kwangaphambi kwesikhathi, ukukhishwa kwesikhashana noma eminye imisebenzi ngaphakathi kolayini wesikweletu kuyabonakala.
Esinye isici okufanele usicabangele isikhathi sokuhlala unomphela kwalesi sigaba samakhredithi ahamba ebangeni elisuka ezinyangeni eziyishumi nambili kuphela liye cishe eminyakeni eyi-10. Lapho uzoba nohlelo lwezitolimende ezingaguquguquki njalo ngenyanga uma kuyisilinganiso senzalo yesikhathi esinqunyiwe nephesenti lenani elingafakwanga inani ngezinga eliguqukayo.
Kuyindlela ethakazelisa kakhulu uma wazi ukuthi ungaxoxisana kanjani nesikhungo sakho sesikweletu bese uthola okuthile izimo ezingcono ekuqashweni kwakho. Ngaphezu kwalokho, isu elitholakala kubo bonke osomabhizinisi abancane nabaphakathi nendawo emkhakheni wedijithali. Ngokunikezwa okusikisela kakhulu yize kugcina isikhathi ekusakazweni kwabo.
Enye indlela yileso esethulwe yizinhlangano zezimali ezingezona ezasebhange futhi ezihlanganiswe kuzingxenyekazi zezimali ze-eCommerce yakho. Zingamamodeli alungiswa ngokwengeziwe kuzidingo zakho yize ngokubuyisela akhiqiza izintshisekelo eziphakeme kusukela ekuqaleni.
Enye yeminikelo yabo ukuthi abaphathi izindleko. Kudingeka izingcezu ezimbalwa zolwazi ukuze ufunde kabanzi ngebhizinisi lakho. Ukufika ezingeni lokuthi kwesinye isikhathi ukubuya kwakho kungamela inkinga engaphezu kweyodwa.
Uxhaso lukahulumeni nolwesifunda
Inzuzo yayo ivela eqinisweni lokuthi inikezwa ngeziteshi ezimbili: ezingeni likahulumeni nelesifunda. Njalo ngonyaka kunikezwa ikakhulukazi izibonelelo ezingabuyiswa, ngombandela wokuhlangabezana nochungechunge lwezidingo ezahlukahluka kuye ngohlobo losizo ozolufuna kusukela manje kuqhubeke. Ngenkathi ngakolunye uhlangothi, futhi njengendaba esemqoka, kukhona nemixhaso yosomabhizinisi besifazane nalabo abaneminyaka engaphansi kwengama-35 kweminye imiphakathi ezimele, kungakhathalekile ukuthi uqalwa msebenzi muni.
Kuzo zonke izimo, isinqumo esihle kakhulu ukuzazisa wena ngenxa yamafomethi wezezimali, uhlobo losizo noma uxhaso, ongalusebenzisa ngalesi sikhathi ukuqala ibhizinisi noma isitolo se-elekthronikhi. Ikakhulu ukwazi uma ingena ngaphakathi kwesabelomali sakho noma ochwepheshe. Kunoma ikuphi, kungakunika ikhefu ngaphambi kokucela umugqa wesikweletu ebhange lakho elijwayelekile.
Le yimodeli eyanelisa kakhulu yezintshisekelo zakho nezobuchwepheshe inqobo nje uma ungaphendukela kuyo futhi isicelo sakho samukelwe. Ngezimo zenkontileka ezihlale zithambile kuneminye imithombo yezimali yezentengiselwano kagesi. Lapho uzokonga khona imali ngesikhathi sokuphothula ukusebenza, ngenzalo nakumakhomishini nezindleko ekuphathweni nasekunakekelweni.
Isixuku
Lona indlela entsha yezimali Isibe yifomethi entsha kunayo yonke futhi nakanjani ifike yahlala enkundleni yesizwe. Laba empeleni ngabatshalizimali abazimele abathi, ngokusebenzisa i- platform online axhasa amaphrojekthi azo zonke izinhlobo, nokuthi kulokhu abekelwe amaphrojekthi edijithali noma amabhizinisi. Noma ngabe injani futhi imodeli yayo yokuphatha. Ngoba ekupheleni kosuku okumayelana nokuthi unezindleko ezincane zokuxhasa lo msebenzi kusuka manje.
Esinye isici okufanele usihlole lapho ubhekisa kulokho okubizwa ngokuthi yi-crowdlending ukuthi kukuvumela ukuthi ukhokhe ngezindleko eziphansi kusukela ekuqaleni. Ngenxa yokuthi kuyimali ethize kakhulu yezinkampani noma amaphrojekthi nokuthi ibonakala ngaphezu kwakho konke ngokuba imodeli ehlukile kubo bonke abanye. Lapho kukuvumela khona ukuthi uxhase ngezimali ngumphakathi wezezimali ngaphandle kokusebenzisa izinsizakalo zebhange noma esinye isikhungo sezezimali sendabuko. Futhi lapho ngokusobala ubungozi nezintshisekelo ezicatshangelwayo lapho kubhekiswa kulo mkhiqizo wezezimali wokuqala zivame ukungabi nokuhlukumeza okuncane.
Imishini yakhona incike kakhulu ekutheni abatshalizimali banquma ukuthi bazotshala imali yini noma cha kuphrojekthi yakho. Kungakho kuvame ukutholakala kalula ezinkampanini ezingasunguliwe ngokuphelele emkhakheni, kepha lokho okunikezwayo kube kukhulu kakhulu iqinisekisa ekwehleni kwayo. Kepha lapho inani livela kubatshalizimali abazimele futhi lingaze livele kunoma yiluphi uhlobo lwezikhungo ezisemthethweni noma ezijwayelekile.
Ngakolunye uhlangothi, kufanele futhi kugcizelelwe ukuthi kungahle kube nezinye izinhlelo zokuxhasa ezezimali ezithe xaxa ezisuselwa kumasu ahlukene. Njengesibonelo, ezinye izindlela zokuxhasa ngemali ezinikeza ithuba langempela lokuthola imali ngezinkampani. izinkampani zezikweletu ezingabhalisiwe ezinikeza ukulingana kwangasese. Kepha ezimweni eziningi ngaphansi kwamanani wenzalo ahlukumezayo. Ukufika ezingeni lokuthi bangeqa amazinga angama-20%. Lokho wukuthi, yibo ababolekisi bakudala abanentshisekelo yemingcele ekubolekiseni ngenzalo yemali engakunikeza yona ngesikhathi esithile. Okuyinjongo yayo enkulu ngemuva kwakho konke.