Ukulinganiswa kokutshala izimali kanye nezici zayo zesakhiwo

Ukuhlola izimali kuyindlela, okudinga ukuthi umenzi abe namakhono athile kanye nendlela efanele. Udaba lokuthi umtshali-zimali unesithakazelo ekutholeni inzuzo enkulu, ngaleyo ndlela abe nesilinganiso esincane semingcipheko yokulahleka kwezitshalomali. Abaningi bamabhizinisi batsha imali imali kancane kancane, kuyilapho behlola izinga lokuthembeka kanye nenani lentengo. Uma wenza isinyathelo sokuphoqa, ungahle ulahlekelwe yonke imali.

Ukuhlolwa kokutshala izimali kubhekwa njengenye yezindlela zokuphatha izimali. Isimo salo sisezingeni lokuthi ochwepheshe benza ukuhlaziywa kwentuthuko yale phrojekthi kanye nezinga layo lokufaka ingozi, kanye nesikhathi sokukhokha sokutshala izimali. Ukuhlaziywa kuhlolisisa izimboni zezomnotho, ezombangazwe nezenhlalakahle, kanye nokuqinisekiswa kokuthembeka kwepulani lebhizinisi eliphelile. Le nqubo ikuvumela ukuba unqume ngokunembile izinkomba ezinkulu futhi unqume izinga lokusebenza kwazo.

Ngokuvamile, ukuhlolwa kokutshala izimali kuyadingeka ukunquma izimo ezinhle kakhulu zokuboleka imali noma ukutshala izimali, kanye nokuthola umtshali-zimali oyosiza ukufeza iphrojekthi ethile.

Umphumela wale nqubo ukulungiswa kombiko oningiliziwe oqukethe izimpendulo eziphelele ekusebenzeni kwezimali ezibekwe imali, kanye nenzuzo yokuzuza kanye nenzuzo yephrojekthi njengamanye. Ngokusekelwe kulolu datha, ikhasimende linganquma ukuthi kunengqondo yini ukutshala okuthile kule phrojekthi, yiziphi izinketho zokuthuthukisa nokucubungula kwayo.

Ngokuvamile, izimali zihlukaniswa zibe yisikhathi eside nesikhathi esifushane. Lesi sigaba sibheka imigomo yokuxhaswa. Ukuhlolwa kokutshalwa kwezimali isikhathi eside kuthatha isikhathi eside, ngoba osomabhizinisi kufanele ahlaziye ngokucophelela futhi ahlolwe ngezigaba zokuqala zomsuka nokuthuthukiswa kwalo msebenzi. Inqubo enjalo izosiza ukubala amathemba angenzeka eminyakeni embalwa ezayo. Uma lokhu kungenziwanga, ngakho-ke, cishe umtshali-zimali wenqabe ukunikeza uxhaso, ngoba angeke awazi uhlelo lokuthuthukiswa kwenhlangano.

Kukhona into enjengokuhlola ukuphumelela kokutshalwa kwezimali. Lena uhlelo lwezimiso ezithile ezenzelwe ukunquma ukusebenza kahle kokuzikhethela ekusetshenzisweni kwezinhloso ezithile zokutshala izimali. Kunezimiso eziningana zokwenza le nqubo:

1. Ukulinganisa, okuqhutshwa ngokusekelwe ezinkomba zokuhamba kwemali.
2. Ukunciphisa inani lamanje lemali yokugeleza kwemali kanye nesamba semali esetshenzisiwe.
3. Ukukhethwa kwesilinganiso sesaphulelo, esenziwa ngenkathi kwenziwa amaphuzu amabili.

Iphuzu liwukuthi uma ukutshala izimali kuhlonishwa kahle, lokhu kuyisihluthulelo sokuqiniseka ukuthi isinqumo sokutshala senziwe ngendlela efanele, futhi amathemba ahlolwa ngokucophelela okukhulu.

Kunezindlela eziningana zokwenza ukulinganiswa kokutshalwa kwemali, okusetshenziselwa ochwepheshe:

1. Ukunciphisa.
2. Ukubalwa kwesikhathi lapho lokhu kutshalwa kwezimali kungakhokha khona.
3. Ukubalwa kwesilinganiso sokubuyiselwa okulindeleke ukuthi kutholakale kuyo yonke imali
4. Ukunquma izindleko-ezisebenzayo ezenziwa ekukhiqizeni.
5. Umehluko phakathi kwemali engenayo nezindleko.
6. Ukuhlaziywa kokuqhathaniswa kwenzuzo ekutshaleni imali enkulu.

Ukuchithwa kokuhlolwa kokutshalwa kwezimali ngokuqondile kuxhomeke ekungenikeleni kohlelo oluyinkimbinkimbi.

Indlela ehambisana nokuphushulwa ikhumbula ukuphumelela kokutshalwa kwezimali esikhathini esithile, okumele kutholakale kusengaphambili. Njengomthetho, le ndlela isetshenziswa ukutshala izimali zesikhathi eside isikhathi esingaphezu kweminyaka emihlanu.