Umcebisi wezezimali ligcisa elixatyiswe kakhulu kwihlabathi lezoshishino. Uyingcali kwinkalo yezoqoqosho. Inezitshixo ezinqwenelekayo ukwenza izigqibo ezifanelekileyo kumxholo othile. Umzekelo, yingcali eqeqeshiweyo ekhokela iinkampani kunye nabathengi babucala ekwenzeni utyalo-mali olusebenzayo.
Kuqhelekile ukuba abantu babeke usukelo olutsha lwemali ekuqaleni konyaka omtsha. Nangona kunjalo, kuqhelekile ukuba ezinye zezi njongo zihlale zilindile ngenxa yokunqongophala kocwangciso. I injongo yokonga iphinda ivele kwiintsapho (kwakunye nenkqubo idla ngokuzisa imingeni eyahlukeneyo).
Ingcali enikezela ngolwazi kunye nenkxaso ukufezekisa iinjongo zemali
Kodwa ukuyilwa kwengxowa-mali kufuneka kuhlale kucwangciswe kwimeko apho isicwangciso sokusebenza siza kuphuhliswa. Ukungabikho kwesicwangciso sokwenene kunokusingela phantsi injongo engundoqo ekujonganeni nezo ziganeko zingalindelekanga ezinokuvela kwixesha eliphakathi okanye elide elizayo. Umzekelo, kukho iindleko ezongezelelekileyo ezithi ziguqule ngokubanzi ubalo lwenyanga. Kwaye isicwangciso esinokwenzeka sibonelela ngempendulo enokwenzeka kwezo ziganeko ezinokuthi zivele kumakhaya nakumashishini.. Ewe, umcebisi wezezimali ligcisa elixhasayo, elikhaphayo kwaye linceda abathengi. Yabelana ngolwazi oluxabisekileyo ngeprofayile nganye.
Usondele kuye wonke umntu ofuna ukufezekisa injongo ebalulekileyo. Akunjalo nje kuphela ekuzalisekeni kwenjongo, kodwa iphinda idibaniswe kwinkqubo. Uyingcali enikezela ngolwazi oluphambili ukuyila isicwangciso esihambelana ngokuthe ngqo nenjongo. Ngokomzekelo, umntu ofuna ukwenza utyalo-mali ufumana izitshixo zokugxila kwinjongo eyinyani, kodwa ngaphandle kokuthatha ingozi enkulu kunokuba kuyimfuneko.
Ukufundwa kwenyani yezemali akukho mgca, nangona kunjalo, imeko nganye kufuneka ihlalutywe ngokupheleleyo. Oko kukuthi, kubalulekile ukuba nombono womxholo phambi kokuphuhlisa iinkcukacha zesicwangciso somsebenzi. Kubalulekile ukuba umxhasi azive ekhululekile ngemephu yendlela. Ke ngoko, ngaphambi kokubona indlela eqinisekileyo, kubalulekile ukuvavanya ezinye iindlela ezizezinye ezivezwa njengokhetho oluyinyani. Umcebisi wezezimali uyingcali efunda inyaniso ngendlela edibeneyo kwaye, ngoko ke, ukufunda kwakhe kubonisa umbono wemeko ehamba ngaphaya kwezinto ezibonakalayo.
Ke ngoko, umcebisi wezezimali ligcisa elinokukukhokela ukuba ufezekise iinjongo zakho. Ifunda imeko nganye ngabanye: ithathela ingqalelo umxholo kunye neemfuno ngqo kumxhasi ngamnye.
Kutheni abathengi befuna uncedo kumcebisi wezezimali?
Ngokufuthi, bafuna ukufunda nokugcina imikhwa emitsha yemali eshiya ngasemva imikhwa enganikeli miphumo mihle. Ukukhatshwa kwengcali ngokukhawuleza kuchaphazela izinto eziphambili: ukukhuthaza, ukuzinikela kunye nokubandakanyeka kwisicwangciso esamkelweyo.
Kwelinye icala, kuqhelekile ukuba abathengi bafune uncedo kuba befuna ukucwangcisa ikamva labo kwixesha eliphakathi okanye elide ngokwemali. Kwaye bafuna ukuba nezixhobo eziphambili kunye neendlela zokuhamba kwelo cala lithile. Kwezinye iimeko, umxhasi ufuna ukwandisa uhlahlo lwabiwo-mali olukhoyo ngendlela efanelekileyo. Oko kukuthi, ufuna ukuphepha iimpazamo eziphindaphindiweyo.
Mhlawumbi umxhasi unqwenela ukufumana imveliso yemali, kodwa ngaphambi kokuthatha inyathelo, bafuna ukuba nombono opheleleyo weenzuzo kunye neenzuzo ezibonelelwa yifomathi. Kukho imibuzo emininzi enokuthi umcebisi wezezimali ayiphendule yonke imini yomsebenzi kuba imeko nganye ikhethekile.