Lo mxholo ulandelayo uguqulelwa kumthombo wamaTshayina ngoguqulelo lwamatshini ngaphandle kokuhlelwa kweposi.
Eli nqaku liza kubonelela ngohlalutyo oluneenkcukacha zesicwangciso sokusebenzisana phakathi kweearhente zokuguqulela ngokubhekisele kwimbono yemali. Okokuqala, siya kuhlalutya imfuneko kunye nokubaluleka kokusebenzisana, uphonononge indlela yokukhetha i-arhente yokuguqulela, yazisa ukuba zezona zinto ziphambili zesicwangciso sentsebenziswano, kwaye emva koko sishwankathele izicwangciso zokumiliselwa kweentsebenziswano zotshintsho lwentsebenziswano.
1. Imfuneko kwaye ibaluleke kakhulu kwintsebenziswano yemali
Kwimali, unxibelelwano lolwimi sisithintelo esikhulu xa uthethathethwano namaqabane asemzini. Ke ngoko, ukusebenzisana neearhente zokuguqulela kunokusombulula izithintelo zoLwimi, ukuphucula ukuSebenza ngokuSebenza nokuSebenza.
Imfuneko yokusebenzisana kwezemali ilele kwimigaqo eyahlukeneyo yezemali kunye nemithetho kumazwe ahlukeneyo, kunye nokuguqulelwa kolwimi kuya kuba yinto ebaluleke kakhulu kwiingxoxo zommandla. Amaqabane anokubona ngcono iinjongo zabanye kunye nentsebenziswano.
Ukubaluleka kokusebenzisana kuxhomekeke kwinto yokuba i-arhente efanelekileyo yokuguqulela inokunceda ukukhusela iimfuno zawo omabini amaqela, nqanda ukungaqondi kakuhle kwemisebenzi, kunye nokukhuthaza intsebenziswano ephumelelayo phakathi kwamaqela aphumelelayo phakathi kwamaqela aphumelelayo.
2. Khetha i-arhente efanelekileyo yokuguqulela
Xa ukhetha i-arhente yokuguqulela, imali kufuneka iqwalasele ubungcali be-arhente kunye nodumo. Iqela labaguquleli kuphela elinemvelaphi yobungcali kwicandelo lezemali inokuqonda ngokuchanekileyo isigama sezemali kunye nomxholo, ukuqinisekisa ukuba umgangatho wokuguqulela.
Ukongeza, udumo lweearhente zoguqulelo zibalulekile. Kuyenzeka ukuba uqonde ukuthembeka kunye nomgangatho wenkonzo weearhente zokuguqulela ngeendlela ezifana nokuphononongwa kwabathengi, ukuqinisekisa intsebenziswano egudileyo.
Ukuthathela ingqalelo ubungcali kunye nodumo lweziko, imali kunokukhetha i-arhente efanelekileyo yokuguqulela ukuze isebenzisane nokuqinisekisa uthethathethwano olugudileyo.
3. Izinto eziphambili zesicwangciso sokusebenzisana
Xa kusekwa izicwangciso zentsebenziswano, iimfuno zemali ukuqwalasela izinto ezininzi. Okokuqala, cacisa iinjongo zentsebenziswano kunye neemfuno zomabini amaqela, kwaye umisele umxholo womsebenzi kunye nobungakanani be-arhente yokuguqulela.
Okwesibini, ukuseka indlela yentsebenziswano yonxibelelwano kunye nokusebenza komsebenzi ukuqinisekisa unxibelelwano ngexesha elifanelekileyo kunye nengxelo yolwazi, kunye nokuphucula ukusebenza kakuhle.
Ukongeza, ukuseka ishedyuli yentsebenziswano efanelekileyo kunye nohlahlo-lwabiwo mali lweendleko ukuqinisekisa intsebenziswano kunye nengozi yemali engalawulekiyo.
4. Icebo lokuphumeza
Kwisishwankathelo, isicwangciso sokumiliselwa kwesicwangciso sokusebenzisana neearhente zoguqulelo ngezemali kufuneka zibandakanye indlela yokukhetha iiarhente zoguqulelo ezifanelekileyo kwaye icacisa izinto eziphambili zesicwangciso sokusebenzisana.
Ngokukhetha ngokungqongqo iiarhente zokuguqulela, ukuseka iinjongo zentsebenziswano, ukuseka iindlela zonxibelelwano kunye nendlela yokusebenza, ezemali zinokuqhuba ngokukhetha iingxoxo zommandla kwaye ziqinisekise ngenkqubela phambili yokusebenzisana.
Intsebenziswano phakathi kweearhente zezezimali nezoguqulelo zibaluleke kakhulu kwiingxoxo zommandla zommandla. Ngokukhetha iiarhente ezifanelekileyo zokuguqulela kunye nokuphuhlisa izicwangciso ezifanelekileyo zokusebenzisana, ukuchaneka kwentsebenzo kunokuphuculwa, kwaye inkqubela phambili egudileyo yentsebenziswano inokuphakanyiswa.
IXESHA LOKUQALA: UPE-06-2024