Isaphulelo Coefficient

Phakathi amaphuzu enkulumo ayisihluthulelo ukuqaliswa ngempumelelo kwesu yebhizinisi ukubala isaphulelo isici. Isikhathi esining impela, uhlelo lwebhizinisi, amakhasimende abe nombono ofiphele ngokubaluleka lokhu ipharamitha, futhi ngezinye izikhathi musa ngisho ukuqonda ukuthi kungani kubalulekile ukubala baragele phambili.

Discounting - iyona ekubalweni notshwala imali ezihlobene nesikhathi esizayo. Ngamanye amazwi - lena incazelo nomholo esizayo okwamanje samanje.

discounting isici kwenza ukulinganisa ingozi utshalomali nesikhathi isici. Isikhathi iyiphi iphrojekthi kuyisici ezibucayi ebalulekile, ngoba izimali ezitholwa okwamanje, ezwakala phezu imali, okuyinto kulindeleke esikhathini esizayo. Phela, "namuhla" kusho ungakwazi ukutshala noma ugcine, futhi uthole iphesenti iholo.

Ukuze sithole isikhathi yephrojekthi, kufanele pre-setha lokuvala ngemva kokuqedwa kwalo, inani kulindeleke zeminyaka (izinsuku noma izinyanga), ngemva kwalokho lo msebenzi kuyothathwa ngobuchwepheshe kungamukeleki. Kuze kube yilolo suku, kungagcini, isibonelo, ukusetshenziswa eside imishini, iphrojekthi uzokwazi ukwenza izinzuzo. Ngokunemba ukufakwa sikhatsi lesitsite kubalulekile, njengoba kubonakala kulesi sibalo izindleko esizayo kanye nezinzuzo nokuqhuba ibhizinisi. Ayewukela noma kunciphisa okuyisikhathi sokwenza umsebenzi inquma ebangeni lesikhathi lapho accrual olulindelekile izindleko kanye inzuzo. Ngakho-ke, isikhathi ukuhlolwa phrojekthi kumelwe ibe enengqondo, kungakhathaliseki ukuthi side kangakanani ngeke ukwandisa noma ukunciphisa ukukhanga yayo.

Inani lemali ucabangela ukuthola izimali esizayo ingena ngqo ukukhanga yokuhlaziya phrojekthi. Ngenxa yale njongo, izinga isaphulelo ibalwa notshwala zezimali. azihlole kwenza kube nokwenzeka ukuhlola izindleko nezinzuzo flow kulo lonke umjikelezo wokuphila iphrojekthi, sibonakalisa ezezimali ezithile ageleza ngayinye esibekwe kwesikhathi (ngokuvamile unyaka, inyanga , noma iminyaka emihlanu). Lokhu kubonakala izinzuzo kanye nezindleko phakathi naso sonke isikhathi lomjikelezo ukuphila has eziningi eziwusizo abalele yokuthi ungakwazi ukuhlonza ngokucacile eziyinhloko ezinomthelela isakhiwo notshwala zezimali. Lokhu kungase kube ezingeni emali, izinguquko amanani kanye ukungaqiniseki noma ingozi.

Lapho abantu bakhuluma ngokuthuthukisa isaphulelo, ngaphezu nephuzu ngokuvamile okukhulunywa lesaphulelo. Ngamagama kwezomnotho, lokhu isilinganiso sokubuyisela ku etshaliwe. Ngamanye amazwi, izinga isaphulelo kwenza kube nokwenzeka ukubala inani ukutshalwa kwezimali kuze kube manje ngenxa imali okulindeleke esikhathini esizayo. Ngakho-ke, inani layo has nomthelela obalulekile ebaluleke kakhulu (ukhiye) izixazululo. Ngokuvamile, ukuze ukubala rate isaphulelo njengoba isaphulelo kuthatha ukubaluleka inani lenzalo. Nokho, phakathi imiqondo le abe umehluko kancane.

Izinga lenzalo yemali mboleko - iyona imali yonyaka ngoba loan, wezwakalisa njengoba amaphesenti. inkokhelo enjalo kwenzeka ngesikhathi buyiselo imalimboleko. Uma, ukwenza isibonelo, ukuthatha 1000 USD unyaka owodwa futhi inani lenzalo 20%, bese ekuqaleni kwesikhathi ibhange izokhipha 1,000 USD izandla, futhi ekugcineni yakhe uzodinga ukubuyela 1000 USD, kanye nenzalo ku loan (200 USD), inani - 1200 USD.

Izinga Isaphulelo angasetshenziswa ukuveza izindleko zesikweletu, kodwa kulokhu inani loan kuyehla inani isithakazelo kuyo. Uma ibhange inikeza ukukhipha boleko $ 1000 USD unyaka owodwa nge rate isaphulelo 20%, izingalo ekhishwe USD 800, futhi ekupheleni kwethemu uzodinga ukubuyela 1000 USD.

Ngakho, discounting Ngokuzayo iwukwenza inani lemali ukubaluleka kosuku wamanje, ngokunciphisa ukuba ngamunye predetermined kathi of iphrojekthi.

Ukubalwa rate isaphulelo ngokuvumelana ifomula:

Kd - discounting isici,

i - isaphulelo (isithakazelo) isilinganiso,

n - inombolo okwesingaki kwesikhathi. Ngokwesibonelo, ngonyaka wokuqala kuba 1 for yesihlanu - 5.