Kuphatfwa Kwekugeleza Kwemali Ekwakheni eNingizimu Afrika | Umhlahlandlela Wembakhi

Kuphatfwa kwekugeleza kwemali ekwakheni eNingizimu Afrika ngiko lokukhulu kakhulu lokuncuma kutsi bosonkontileka bayaphila yini noma bayawa. Akusiko kushoda kwemsebenti, akusiko ikhwalithi lembi noma kukhuphuka kwetindleko tetintfo kuphela. Sizatfu lesikhulu lesenta bakhi nebosonkontileka behluleke kuphela kwemali emkhatsini wesikhatsi labayisebentisa ngaso nesikhatsi labakhokhelwa ngaso.

Emkhakheni wekwakha waseNingizimu Afrika, leli gebe lekugeleza kwemali liyabuhlungu kakhulu. Imijikelezo yekukhokha yemalanga la-60-90 ivamile. I-retention ibamba 5-10% wenani lenkontileka yakho tinyanga noma iminyaka. Tindleko tetintfo tekucala tidzonsa i-akhawunti yakho yasebhange ungakafaki ngisho i-invoyisi yelirandi linye. Futsi uma kufika load shedding, umsebenti wehla, emalanga ekuphela ayahlehla, bese titifiketi tekukhokha tiyabambezeleka - lokwenta inkinga yekugeleza kwemali ibe yimbi kakhulu.

Lo mhlahlandlela uchaza kabanti kutsi ungayincoba kanjani indzaba yekuphatfwa kwekugeleza kwemali ebhizinisini lakho lekwakha. Sitawuhlanganisa tindlela tekubikezela, emasu esikhatsi sekukhokha, kuphatfwa kweretention, kanye nendlela yekubhekana nekukhokha lokubambezeleka - konkhe kuhambisana neligcobo lekwakha eNingizimu Afrika.

Kuphatfwa Kwekugeleza Kwemali Ekwakheni: Kungani Kuhlukile Kutsi Kube Lukhuni

Kugeleza kwemali ekwakheni kwehluke kakhulu kulamanye emabhizinisi. Etitolo, utsengisa umkhicito bese uyakhokhelwa masinyane. Ekwenteni tintfo tebungcweti, ufaka i-invoyisi njalo ngenyanga bese ukhokhelwa emalangeni la-30. Ekwakheni, kungahambisani kwesikhatsi emkhatsini wekusebentisa nekutfola imali kwakha ingcikitsi lengapheli.

Umjikelezo Lomude Wekukhokha

Tinkontileka tekwakha eNingizimu Afrika tivamise kusebenta ngemjikelezo wemalanga la-30 kusukela esitifiketini kuya ekukhokheni. Kodvwa liciniso nali: ucedza umsebenti ngeviki 1, uthumele sitifiketi sekukhokha ngeviki 2, ulindze kuvunywa ngeviki 3, ufake i-invoyisi ngeviki 4, bese ugcine sewutfola imali emalangeni la-30 emva kwe-invoyisi - uma unenhlanhla.

Loko kusho emalanga la-60-90 kusukela lapho usebentisa imali etintfweni nasebasebentini kuya lapho utfola khona kukhokhwa. Kulowo mgodzi, nguwe loxhasa iphrojekthi ngemali yakho yekusebenta.

Kugcinywa kwe-Retention

Tinkontileka letinyenti tekwakha eNingizimu Afrika tinekugcinywa kwe-retention - ngokuvamile 5-10% yesitifiketi ngasinye sekukhokha ibanjwa kuze kube practical completion, kantsi kwesinye sikhatsi kuze kube sekupheleni kwe-defects liability period (ngokuvamile tinyanga leti-12).

Ephrojekthini ye-R5 million lene-retention ya-10%, loko ngu-R500,000 lobanjiwe tinyanga letingaba ngu-18-24. Lemali ayikukhiciteli inhlawulo - ihlala ku-akhawunti yeliklayenti kantsi sewuyisebentisile etintfweni nasebasebentini.

Tindleko Tetintfo Tekucala

Kungafani nemabhizinisi etinsita, kwakha kudzinga kufakwa kwemali lokukhulu ekucaleni etintfweni. Ungase usebentise R200,000 kukhonkholo, ensimbini nasetitfini ungakacedzi umsebenti lowenele kufaka i-invoyisi ye-R150,000. Lesimo sekungelezi kahle kwemali sichubeka kuyo yonkhe iphrojekthi, ikakhulu etigabeni tekucala.

Kubambezeleka Ngenxa Yetulu ne-Load Shedding

Simo setulu saseNingizimu Afrika kanye ne-load shedding kuletsa kubambezeleka lokungabikezeleki. Uma imvula imisa umsebenti liviki lonkhe, noma i-load shedding yehla umkhiqizo ngemaphesenti la-30, titifiketi tekukhokha tiyabambezeleka. Kodvwa tindleko takho letingashintshi - emaholo, irenti, imishini - tiyachubeka noma ngabe kwentekani.

Lokubambezeleka kwandzisa leli gebe lekugeleza kwemali. Sewusebentise imali etintfweni nasebasebentini, kodvwa awukwati kufaka i-invoyisi uze ucedze umsebenti. Futsi uma i-load shedding ikuvimba kutsi ucedze, awukwati kufaka i-invoyisi - kodvwa usafanele ukhokhele licembu lakho.

Sikhatsi Sekukhokha Bosonkontileka Labancane

Uboshwe emkhatsini wemijikelezo lemibili yekukhokha: liklayenti lakho lingakukhokha emalangeni la-60-90 emva kwe-invoyisi, kodvwa bosonkontileka labancane balindzele kukhokhwa emalangeni la-30 emva kwema-invoyisi abo. Uma unganaki, ungatitfola sewukhokha bosonkontileka labancane ungakatsoli imali yeliklayenti - loko kudala ingcindzetelo yemali.

Igebe Lekugeleza Kwemali: Uma Usebentisa vs Uma Ukhokhelwa

Kucacisa leli gebe lekungeleza kwemali kubaluleke kakhulu. Asihlukanise umzila lovamile wephrojekthi yemakhaya ye-R2 million:

Inyanga 1:

Kusebentisa: R300,000 (tintfo, basebenti, imishini)
Kutfola: R0
Kugeleza kwemali: -R300,000

Inyanga 2:

Kusebentisa: R400,000 (umsebenti uyachubeka, tintfo letinyenti)
Kutfola: R0 (usasalindzele kuvunywa kwesitifiketi sekucala sekukhokha)
Kugeleza kwemali: -R400,000
Inani lelihlanganisiwe: -R700,000

Inyanga 3:

Kusebentisa: R350,000
Kutfola: R270,000 (sitifiketi sekucala sekukhokha, kukhishwe i-retention ya-10%)
Kugeleza kwemali: -R80,000
Inani lelihlanganisiwe: -R780,000

Inyanga 4:

Kusebentisa: R300,000
Kutfola: R360,000 (sitifiketi sesibili sekukhokha)
Kugeleza kwemali: +R60,000
Inani lelihlanganisiwe: -R720,000

Lesimo lesibi sekungeleza kwemali sichubeka kuze kusondzele ekupheleni kwephrojekthi, lapho sewufake khona ema-invoyisi lamanyenti kulaloko lokusebentisile. Kodvwa ngaleso sikhatsi, sewuxhase R700,000-R800,000 ngemali yakho yekusebenta.

Kubosonkontileka labaphatsa emaphrojekthi lamanyenti, loko kuyaphindzeka. Emaphrojekthi lamatsatfu e-R2 million asho kutsi ungase udzinge R2-R2.5 million yemali yekusebenta nje kuvala leli gebe lekungeleza kwemali - ungakenti ngisho nenzuzo.

Kubikezela Kugeleza Kwemali Emaphrojekthini Ekwakha

Kubikezela kugeleza kwemali kukukhombisa kutsi utophela nini imali, utawudzinga malini, nekutsi utawubuyisa nini. Ngaphandle kwako, awunako kubona kahle simo semali sakho sesikhatsi lesitako.

I-S-Curve: Kusebentisa Lokuhlelwe Kusengaphambili vs Kweqiniso

Emaphrojekthi ekwakha alandzela iphethini ye-S-curve ekusebentiseni imali: kuhamba kancane ekucaleni (kulungisa indawo, tisekelo), kushesha emkhatsini (sakhiwo lesikhulu, kucedza), bese kuyaphindze kwehle ekugcineni (kulungisa emaphutsa lamancane, kuniketa).

Kubikezela kwakho kugeleza kwemali kufanele kulandzele kokubili kusebentisa lokuhlelwe kusengaphambili nekweqiniso ngalokuphikisana ne-S-curve:

Kusebentisa lokuhlelwe kusengaphambili - Kususelwa ohlelweni lwephrojekthi nasebhajethini
Kusebentisa kweqiniso - Loko lokukhokhile ngekweliciniso
Kwehluka - Umehluko emkhatsini walokuhleliwe nalokwentiwe

Uma kusebentisa kweqiniso kuhlala kuhambe embili kwalokuhleliwe, ushisa imali ngekushesha kakhulu kunaloko lokubekulindzelekile - lesi sisibonakaliso sebungoti lesidzinga sinyatselo lesisheshako.

Kulandzelela Tindleko Letibophekile vs Kukhokha Kweqiniso

Kubikezela kwakho kugeleza kwemali kufanele kwehlukanise tindleko lotivele watibophela nato nekukhokha kweqiniso:

Tindleko letibophekile - Purchase orders letikhishiwe, tinkontileka letisayiniwe, tintfo leti-odariwe
Kukhokha kweqiniso - Imali lephuma ngekweliciniso ku-akhawunti yakho yasebhange

Tindleko letibophekile tikutjela loko lofanele ukukhokha. Kukhokha kweqiniso kukutjela kutsi imali iphuma nini. Kokubili kubalulekile, kodvwa ekubikezeleni kugeleza kwemali, lokubaluleke kakhulu kukukhokha kweqiniso.

Kuphatfwa Kwekugeleza Kwemali Emaphrojekthini Lamanyenti

Uma uphatse emaphrojekthi lamanyenti, kubikezela kugeleza kwemali kuba lukhuni kakhulu. Kufanele:

Uhlanganise kubikezela - Hlanganisa kugeleza kwemali kwawo onkhe emaphrojekthi lasebenta
Ubone ticu netincenye letiphansi - Utawuba nemali lenengi nini? Utawusilela nini?
Uhlele kudluliselwa kwemali emkhatsini wemaphrojekthi - Ungasebentisa imali yePhrojekthi A kusekela iPhrojekthi B kwesikhashana?
Ubale retention - I-retention itawukhululwa nini? Utawutfola malini?

Kubikezela lokuhle kugeleza kwemali kukukhombisa ibhalansi yasebhange viki ngalinye, iphrojekthi ngephrojekthi, kuze ubone kahle kutsi utawudzinga nini imali lengetiwe.

Kuphatfwa Kwe-Retention Nemphumela Wako Ekungelezeni Kwemali

I-retention yintfo ledzinga kucutshungulwa ekwakheni eNingizimu Afrika. Ivikela emaklayenti emaphutseni, kodvwa ibamba imali yakho tinyanga noma iminyaka.

Kucondza Imigomo Ye-Retention

Tinkontileka letinyenti tinetinhlobo letimbili te-retention:

Interim retention - Ibanjwa kusitifiketi ngasinye sekukhokha (ngokuvamile 5-10%)
Final retention - Ibanjwa kuze kube practical completion noma kuphele defects liability period

Ephrojekthini ye-R5 million lene-retention ya-10%:

R500,000 ibanjiwe kuyo yonkhe iphrojekthi
Utfola R450,000 kusitifiketi ngasinye se-R500,000
Le-R500,000 ikhishwa kuphela emva kwe-practical completion ne-defects liability period (kungatsatsa tinyanga leti-18-24)

Emalanga Ekukhululwa Kwe-Retention

Landzelela emalanga ekukhululwa kwe-retention ngekucophelela. Kufanele wazi:

Kutsi practical completion ilindzeleke nini
Kutsi defects liability period iphela nini
Kutsi yimaphi emaphutsa ladzinga kulungiswa ngaphambi kwekukhishwa
Kutsi ungalindzela nini kukhokhelwa

Beka tikhumbuto ekhalendeni emalangeni ekukhululwa kwe-retention. Landzelela ngesibindzi - ungasilindzeli liklayenti kutsi likhumbule kukhupha i-retention yakho.

Umphumela We-Retention Ekungelezeni Kwemali

I-retention yakha legebe lelingapheli lekungeleza kwemali. Uma une-R2 million ku-retention emaphrojekthini lamanyenti, loko ngu-R2 million loyisebentile kodvwa longakwati kuyifinyelela. Kufanele ukubale loko ekubikezeleni kwakho kugeleza kwemali nasohlelweni lwemali yekusebenta.

Labanye bosonkontileka bafaka i-retention etindlekweni tabo - benyuse ema-margin kuvikela kubambezeleka kwemali. Labanye baxoxisana ngamaphesenti e-retention laphasi noma emalanga ekukhululwa langasekucaleni. Kodvwa kumathenda laphikisanako, ungaba nelikhono lelingancane lekushintja.

Emasu Esikhatsi Sekukhokha

Sikhatsi sekukhokha lesihlakaniphile singayitfutfukisa kakhulu simo sakho sekungeleza kwemali. Nawa emasu lasebenta emakethe yaseNingizimu Afrika:

Kuhambisanisa Kukhokha Kwebosonkontileka Labancane Netitifiketi Takho

Ungabakhokhi bosonkontileka labancane ungakakhokhelwa yikliklayenti lakho. Hlela imigomo yabo yekukhokha ihambisane netitifiketi takho tekukhokha:

Khipha titifiketi tekukhokha kuliklayenti lakho njalo ngenyanga
Uma tivunyiwe bese ufake i-invoyisi, khokha bosonkontileka labancane incenye yabo
Loko kwenta kutsi ungasixhasi kukhokhwa kwabo ngemali yakho

Labanye bosonkontileka labancane batawuphocelela kukhokhwa masinyane. Yima ucine - kugeleza kwemali kwakho kuncike kulokuhambisana. Uma sonkontileka lomncane aphikelela emigomweni yemalanga la-30, faka tindleko tekungeleza kwemali enanini lakhe.

Sikhatsi Sekutsenga Tintfo

Hlela ema-oda etintfo ahambisane nelihlelo lephrojekthi, hhayi kubikezela kwemali kuphela. Kodvwa sebentisa emasu:

Ku-oda ngekukhulukati - Ku-oda tintfo ngebuningi kunciphisa tindleko, kodvwa kubamba imali ngaphambi kwesikhatsi
Ku-oda ngesikhatsi sekudzingeka - Ku-oda tintfo uma tidzingeka kutfutfukisa kugeleza kwemali, kodvwa kungaletse kubambezeleka
Imigomo yekukhokha yebaphakeli - Xoxisana ngemigomo yemalanga la-30-45 nebaphakeli kuze ihambisane nemijikelezo yakho yekukhokha

Indlela lencono incike esimeni semali sakho, budlelwane nebaphakeli, nelihlelo lephrojekthi. Uma unebhafa yemali lecinile, ku-oda ngebuningi kunganciphisa tindleko. Uma imali icinile, ku-oda ngesikhatsi sekudzingeka kugcina imali yekusebenta.

Front-Loading vs Back-Loading Emasheduli

Labanye bosonkontileka bafaka umsebenti lonenani leliphakeme ekucaleni kwesheduli - baqedze kusenesikhatsi kuze kutfutfuke kugeleza kwemali. Labanye bafaka umsebenti lonenani leliphansi ekucaleni kuze kunciphe bungoti.

Front-loading itfutfukisa kugeleza kwemali kodvwa yenyusa bungoti uma iphrojekthi ihlangabetana nenkinga kusenesikhatsi. Back-loading yehla bungoti kodvwa idala ingcindzetelo yemali etigabeni tekucala.

Indlela lencono incike esimeni semali sakho nasekutsi uyemukela kangakanani bungoti. Uma unemali yekusebenta lecinile, back-loading inganciphisa bungoti. Uma imali icinile, front-loading iyasita kugeleza kwemali kodvwa idzinga kuphatfwa kahle kwebungoti.

Indlela Yekubhekana Nekukhokha Lokubambezeleka

Kukhokha lokubambezeleka kuvame kakhulu ekwakheni eNingizimu Afrika. Emaklayenti ayabambezeleka titifiketi tekukhokha, aphikise ema-invoyisi, noma angakhokhi ngesikhatsi. Nansi indlela yekutivikela:

Tinkhombandlela te-CIDB ngeKukhokha Lokubambezeleka

Construction Industry Development Board (CIDB) inetincomo ngemigomo yekukhokha nenzalo yekubambezeleka. Yize kungesiko lokubopha ngemtsetfo sonkhe sikhatsi, kubeka lizinga lemkhakha:

Kukhokha kufanele kwentiwe emalangeni la-30 emva kwe-invoyisi
Inzalo yekukhokha lokubambezeleka kufanele ibe ku-prime + 2%
Tingcoco tekuphikisana kufanele tilungiswe masinyane kuze kugwemeke kubambezeleka

Khomba letincomo etinkontilekeni nakuma-invoyisi akho uma ulandzelela kukhokha. Nemininingwane yetinga lenkontileka mayelana netitifiketi nesikhatsi, buka umhlahlandlela wetfu wesitifiketi sekukhokha se-JBCC.

Imigomo Yenzalo Etinkontilekeni te-JBCC/NEC

Tinkontileka letinyenti tekwakha eNingizimu Afrika tinezigaba tenzalo yekukhokha lokubambezeleka:

Tinkontileka te-JBCC - Tivamise kufaka inzalo ye-prime + 2% ekukhokheni lokubambezeleka
Tinkontileka te-NEC - Tifaka imigomo yenzalo, kodvwa emarates ayehluka ngenkontileka
Tinkontileka te-GCC - Tifaka imigomo yenzalo, ngokuvamile ku-prime + 2%

Faka lemigomo etinkontilekeni takho bese uyayisebentisa. Khokhisa inzalo ekukhokheni lokubambezeleka - lilungelo lakho, futsi kukhutsata emaklayenti kutsi akhokhe ngesikhatsi.

Kuphikisana Ngesitifiketi Sekukhokha

Kuphikisana ngesitifiketi sekukhokha kuyimbangela levamile yekubambezeleka kwekukhokha. Emaklayenti aphikisana nekhwalithi yemsebenti, bukhulu bemsebenti, noma tingucuko, bese kubambezeleka kukhokha kantsi sewusebentise imali.

Kunciphisa kuphikisana:

Bhala konkhe phansi - Titfombe, dayari yesayithi, tingucuko letisayiniwe, kubhalelana nge-imeyili
Tfumela titifiketi tekukhokha leticacile - Kwehlukanisa ngemniningwane umsebenti lophelile, tintfo letisetjentisiwe, tingucuko letifuniwe
Phendvula kuphikisana masinyane - Ungakuvumeli kuhudvule; kulungise ngekushesha kuze kukhishwe kukhokha

Uma kuphikisana kuchubeka, cabanga ngemlamuli noma ngekwehlulela ngekweMigomo yenkontileka yakho. Ungavumeli emaklayenti kutsi asebentise kuphikisana njengesisekelo sekubambezeleka lokungapheli.

Tinchubo Tekwenyuselwa Esigabeni Lesiphakeme

Yiba netinchubo leticacile tekwenyuselwa uma kukhokha kubambezeleka:

Sikhumbuto - Sikhumbuto semusa emalanga la-5 ngaphambi kwelanga lekukhokha
Kulandzelela - Kulandzelela lokusemtsetfweni ngalelo langa lekukhokha
Satiso senzalo - Satiso sekukhokhiswa inzalo uma kukhokha sekubambezeleke emalanga la-7
Sinyatselo semtsetfo - Cabanga ngesinyatselo semtsetfo uma kukhokha sekubambezeleke emalanga la-30+

Nyusela esigabeni lesiphakeme uma kudzingeka. Kukhokha lokubambezeleka kuyakubhadalisa; khokhisa inzalo futsi, uma inkontileka ivuma, misa umsebenti kuze kube kukhokha kuyatfolakala. Ngalokwengetiwe mayelana nekutinikela ibhizinisi lakho, buka kukhokha lokubambezeleka ekwakheni eNingizimu Afrika.

Kuphatfwa Kwekugeleza Kwemali Emaphrojekthini Lamanyenti Kumabhizinisi Lakhulako

Njengobe ibhizinisi lakho likhula futsi utsetse emaphrojekthi lamanyenti, kuphatfwa kwekugeleza kwemali kuba lukhuni kakhulu. Nayi indlela yekukwenta:

Kubikezela Kugeleza Kwemali Ngelizinga lePortfolio

Ungabikezeli emaphrojekthi ngamunye kuphela - bika iportfolio yonkhe. Hlanganisa kugeleza kwemali kwawo onkhe emaphrojekthi lasebenta kuze ubone simo sakho sonkhe:

Ngeniso yonkhe - Utawutfola nini kukhokha kuwo onkhe emaphrojekthi?
Kuphuma yonkhe - Utawukhokha nini bosonkontileka labancane, baphakeli, emaholo?
Simo senetha - Siyini simo sakho senetha sekungeleza kwemali viki ngalinye?

Lombono weportfolio ukukhombisa kutsi utawuba nemali lenengi nini (litfuba lekutjala imali noma kutsatsa umsebenti lomusha) nekutsi utawusilela nini (sidingo sekulungiselela imali noma kubambezeleka kukhokha).

Kudluliselwa Kwemali Emkhatsini Wemaphrojekthi

Uma iphrojekthi lenye inemali lenengi bese lenye isilela, cabanga kudlulisa imali emkhatsini wemaphrojekthi. Kodvwa caphela:

Landzelela kudlulisa - Gcina emarekhodi lacacile ekudluliselwa kwemali emkhatsini wemaphrojekthi
Khokhisa inzalo - Cabanga kukhokhisa inzalo etikweletini temaphrojekthi kuze kubonakale tindleko temali
Buyisela masinyane - Cinisekisa kutsi kudluliswa kuyabuyiselwa uma iphrojekthi leyamukele imali seyikhokhelwe

Kudlulisa imali emkhatsini wemaphrojekthi kungashelelisa kugeleza kwemali, kodvwa kudzinga kuphatfwa lokucotfo kuze kugwemeke kudideka nekucinisekisa accounting lefanele.

Kuhlela Imali Yekusebenta

Njengobe ukhula, utawudzinga imali leningi yekusebenta kuxhasa emaphrojekthi lamanyenti. Hlela kusenesikhatsi:

Bala sidzingo - Udzinga malini imali yekusebenta kulayini wakho wemaphrojekthi wamanje?
Lungisa imali yeksikhashana - Hlela i-overdraft, sikweleti noma imali yabatjali ungakayidzingi
Landzelela ema-ratio - Landzelela i-ratio yemali yekusebenta (ema-assets amanje / tikweleti tamanje) kuze ucinisekise kutsi unemali leyenele

Ungalindi uze usilele imali ngaphambi kwekulungisa sisombululo semali. Emabhange nebakhiphi betikweleti badzinga sikhatsi sekucubungula ticelo; cala kusenesikhatsi.

Kungani Spreadsheets Nemathulusi e-Accounting Ajwayelekile Ehluleka

Spreadsheets nesofthiwe ye-accounting lejwayelekile akukakhiwanga kuphatfwa kugeleza kwemali ekwakheni eNingizimu Afrika. Sikhatsi lesisekelwe ephrojekthini (titifiketi tekukhokha, retention, S-curve) asihambisani kahle ne-general ledger noma emamojula e-invoyisi. Ugcina sewugcina emashejuli emaphrojekthi, emalanga etitifiketi nemalanga ekukhululwa kwe-retention emafayeleni lehlukene, kungekho mbono munye wekutsi imali itawungena nini ku-akhawunti yakho. Tinkhundla tekwakha tase-US noma taseYurophu tivame kungasekeli emafomethi etitifiketi tekukhokha te-JBCC, NEC ne-GCC, i-CIDB grading noma kubikezela nge-Rand. Kubakhi nebosonkontileka labadzinga kubona kusebentisa lokuhlelwe kusengaphambili vs kweqiniso ngephrojekthi nangekuma-portfolio, lithuluzi lelifanele ngulelakhiwe ngenkontileka yase-SA nekulandzela umtsetfo.

Ngubani Lona Lomhlahlandlela Lawakhelwe Yena

Lo mhlahlandlela ungowabakhi bemakhaya, bosonkontileka bemabhizinisi nabatfutfukisi betindlu labadzinga kubikezela nekulawula kugeleza kwemali ephrojekthini yinye noma letinyenti. Uma ufaka titifiketi tekukhokha ngaphansi kwe-JBCC, NEC noma GCC, ubamba noma wemukela i-retention, noma uxhasa tintfo nabasebenti ungakakhokhelwa, lemigomo lapha iyakusebentela. Bosonkontileka nabatfutfukisi labaphatsa emaphrojekthi lamanyenti batatfola tigaba teportfolio tileto letibaluleke kakhulu; bakhi labancane bangagxila ekubikezeleni iphrojekthi yinye nasekuphatheni sikhatsi sekukhokha.

Indlela iWakha Lesekela Ngayo Kuphatfwa Kwekugeleza Kwemali Ekwakheni

IWakha isita bakhi baseNingizimu Afrika kulandzela kugeleza kwemali nge-R ngephrojekthi ngayinye nangekuma-portfolio: kusebentisa lokuhlelwe kusengaphambili vs kweqiniso (S-curve), sikhatsi sesitifiketi sekukhokha, emananri e-retention nemalanga ekukhululwa, kanye netindleko letibophekile vs kukhokha kweqiniso. Ungabona kutsi utawusilela nini noma utawuba nensalela nini futsi ukhiphe titifiketi tekukhokha te-JBCC, NEC ne-GCC kusuka epulatifomini yinye. Emalanga ekukhululwa kwe-retention alandzelwa ngetisatfu kuze ulandzele ngesikhatsi lesifanele. Kubosonkontileka labaphatsa emaphrojekthi lamanyenti, loku kususa spreadsheets ne-accounting lehlukene ngenhloso yekutsi kube nemibono yinye yekutsi imali ingena nini iphume nini.

Imibuto Levame Kubutwa

Ngidzinga malini imali yekusebenta ephrojekthini ye-R2 million?

Ngesilinganiso lesivamile, utawudzinga 30-40% wenani lephrojekthi njengemali yekusebenta kuvala legebe lekungeleza kwemali. Ephrojekthini ye-R2 million, loko ngu-R600,000-R800,000. Loko kufaka legebe emkhatsini wesikhatsi losisebentisa ngaso imali nesikhatsi lotfola ngaso kukhokhwa, kanye ne-buffer yekubambezeleka noma kuphikisana lokungakalindzeleki.

Ngingaxoxisana yini ngemigomo lencono yekukhokha kuze kutfutfuke kugeleza kwemali?

Yebo, kodvwa emandla akho ekuxoxisana ancike esimeni semakethe nasebudlelwaneni neliklayenti. Kumathenda laphikisanako, ungaba nelikhono lelingancane lekugucula. Kodvwa etinkontilekeni letixoxiwe noma emsebentini lokuphindzaphindiwe, ungaxoxisana nga:

Imijikelezo lemifishane yekukhokha (emalanga la-21 esikhundleni sa-30)
Emaphesenti e-retention laphasi (5% esikhundleni sa-10%)
Emalanga ekukhululwa kwe-retention lasengakucala
Kukhokhwa kwasekucaleni kwetintfo

Ngaso sonkhe sikhatsi faka kugeleza kwemali etindlekweni takho - uma ungeke utfole imigomo lencono, beka intengo ngendlela leyo.

Kufanele ngente njani uma liklayenti lihlala likhokha sekwephuzile?

Kwekucala, sebentisa imigomo yenkontileka yakho - khokhisa inzalo ekukhokheni lokubambezeleka njengoba kuchaziwe enkontilekeni yakho. Kwekwesibili, nyusela indzaba ngekubhekisa etinchubeni tekucazulula kuphikisana kwenkontileka yakho. Kwekutsatfu, cabanga kumisa umsebenti kuze kutfolakale kukhokha (hlola imigomo yenkontileka kucala). Ekugcineni, uma kubambezeleka kuchubeka, cabanga ngesinyatselo semtsetfo noma kuphelisa inkontileka.

Ungavumeli kukhokha lokubambezeleka kube yintfo levamile - kuyakubhadalisa futsi kubeka sibonelo lesimbi semsebenti wesikhatsi lesitako.

I-retention iyitsintsa kanjani kubikezela kwami kugeleza kwemali?

I-retention yakha legebe lelingapheli lekungeleza kwemali. Uma une-R1 million ku-retention emaphrojekthini lamanyenti, loko ngu-R1 million loyitfolele kodvwa longakwati kuyifinyelela. Faka i-retention ekubikezeleni kwakho kugeleza kwemali nasohlelweni lwemali yekusebenta. Landzelela emalanga ekukhululwa kwe-retention ngekucophelela futsi ulandzele ngesibindzi kuze kukhishwe ngesikhatsi.

Ngingasebentisa yini imali yephrojekthi yinye kuxhasa lenye?

Yebo, kodvwa caphela. Kudluliselwa kwemali emkhatsini wemaphrojekthi kudzinga kuphatfwa lokucotfo:

Gcina emarekhodi lacacile ekudlulisa
Cabanga kukhokhisa inzalo kuze kubonakale tindleko temali
Cinisekisa kutsi kudluliselwa kuyabuyiselwa uma iphrojekthi leyamukelako seyikhokhelwe
Ungadlulisi imali uma loko kufaka engotini iphrojekthi lephuma kuyo

Kudluliselwa kwemali emkhatsini wemaphrojekthi kungashelelisa kugeleza kwemali, kodvwa kudzinga inhlonipho yemitsetfo kuze kugwemeke kudideka nekucinisekisa accounting lefanele.

I-load shedding iyitsintsa kanjani kugeleza kwemali kwami?

I-load shedding iyitsintsa kugeleza kwemali ngetindlela letimbili: kwehla kwemkhiqizo kusho kutsi ucedza umsebenti lomncane, ngako ufaka ema-invoyisi lamancane, kodvwa tindleko takho letingashintshi tiyachubeka. Futsi, uma i-load shedding ikuvimba kucedza umsebenti, titifiketi tekukhokha tiyabambezeleka, lokusundvuta emalanga ekutfola kukhokha aye embili.

Faka i-load shedding emashejulini emaphrojekthi nakubikezela kugeleza kwemali. Yenta i-buffer yesikhatsi emashejulini, bese ucabanga ngemphumela wemali uma uhlela emaphrojekthi etikhatsini lapho i-load shedding iphakeme.

Siphetfo

Kuphatfwa kwekugeleza kwemali ekwakheni eNingizimu Afrika kwehlukanisa emabhizinisi laphumelelako nalawo layawako. Imijikelezo lemide yekukhokha, i-retention nekubambezeleka kwenta kubikezela, kuhambisanisa sikhatsi sekukhokha nekubamba ngci kukhokha lokubambezeleka kube ngiko lokubalulekile. Kusebentisa loko emaphrojekthini lamanyenti kudzinga kucophelela nemathulusi lakhiwe ngenkontileka yase-SA.

Bona kutsi iWakha isita kanjani bakhi nebosonkontileka baseNingizimu Afrika kuphatfwa kugeleza kwemali ekwakheni: kubikezela nge-R ngephrojekthi ngayinye nangeku-portfolio yakho, kulandzela i-retention nekukhipha titifiketi tekukhokha te-JBCC, NEC ne-GCC. Bona kutsi iWakha ingasekela kanjani kuphatfwa kwakho kugeleza kwemali ekwakheni.