Gara shure, zorora, uye ugadzirire nzira yekutanga yeruzivo pamusoro pekugadzirisa kukuru uye nei ichikosha kune iwe uye zvikamu mukati memari yako yekushambadzira!
Capital Structure - Chii Chaicho uye Nei Zvichikosha
Izwi iro guru rakarongeka rinoreva huwandu hwemari (mari) inoshanda mubhizinesi nerudzi. Kunyanya kutaura, kune marudzi maviri emari: kubhadhara mari uye chikwereti. Mhando imwe neimwe yemari ine zvigaro zvayo uye zvipingamupinyi uye chikamu chikuru chekuita kwehutungamiri hwehutungamiri uye kutarisira kuri kuedza kuwana zvakakwana sarudzo yehutano maererano nehutano / mubayiro wezvipo kune vagovhani. Izvi ndezvechokwadi kumakambani Fortune 500 uye kune vadzidzisi vemabhizimisi maduku vanoedza kuongorora kuti mari yavo yekutanga inofanira kuibva sei kune chikwereti chebhangi pasina kupangidzira bhizinesi.
Kunyatsoongorora Mitemo Yakasiyana-siyana yeChishanu muBanor's Balance Sheet
Ngatitorei kwechinguva kutarisa idzi mbiri dzemhando zvishoma zvakanyanya.
Equity Capital
Equity capital inoreva mari yakasimwa uye inowanikwa nevanosara (vadzidzisi). Kazhinji, mari yakaenzana inoumbwa nemhando mbiri: 1. yakapiwa mari, iyo mari yaimbova inotengeswa mubhizinesi mukutsinhanisa zvikamu zvezvitoro kana wehuyo uye 2. yakachengetwa kuwanikwa , iyo inomiririra mari kubva kumakore akapfuura yakachengetedzwa iyo kambani uye yakashandiswa kusimbisa bhadha rekuyera kana mari yekukura, kuwana, kana kuwedzerwa.
Vakawanda vanoona kuenzana kwekutengesa kuva iyo inodhura zvakanyanya mari yekambani inogona kushandisa nokuti iyo "mari" ndeyo kudzoka iyo firimu inofanira kuwanikwa kuti inokwezva utsvaga. Imwe kambani inofungidzirwa kumigodhi inotarisira sirivha mune imwe nzvimbo iri kure yeAfrica inogona kuda kudzoka kwakakwirira zvakakwana pakuwana vatengesi kutenga sengo pane imwe yakadai seProter & Gamble, iyo inotengesa zvinhu zvose kubva pamaguchi emasuo uye shampoo kuvhara uye kunaka zvigadzirwa.
Chikwereti Capital
Chikwereti chikuru mumakambani makuru ekambani chinoreva kubhadhara mari iri kushanda mubhizinesi. Nzira yakachengeteka inowanzotarisirwa kusungirirwa kwenguva refu nokuti kambani ine makore, kana zvisati makumi emakore, inouya nemukuru wechikoro apo ichibhadhara chido chete panguva ino.
Mimwe mhando yemari chikwereti inogona kusanganisira pfupi pfupi pepanhau rekushandisa rinoshandiswa nemagamba makuru akadai saWal-Mart uye General Electric ayo anokwana mabhiriyoni emadhora mukwereti makumi maviri nemaviri kubva kumakambani makuru kuti asangane zuva nezuva kumashandira mari yakadai se payroll uye utility bills. Mari inokwana chikwereti mumutungamiri mukuru inoenderana nehutano hwebhadharo rekambani - katatu AAA yakarongwa yakasimba ichakwanisa kukwereta pamatunhu akaderera zvakanyanya nekambani inofungidzira ine matarenda emari, iyo inogona kubhadhara 15 peresenti kana kupfuura kuchinjana chikwereti.
Kunze kwekutengesa uye chikwereti chemari, kune dzimwe mhando dzemari dzakadai sevatengesi vemari apo kambani inogona kutengesa zvinhu zvisati zvafanirwa kubhadhara mubhadharo kune mutengesi, iyo inogona kuwedzera zvakanyanya kudzoka kwehutano asi haitengi kambani chero chii zvacho. Ichi chaiva chimwe chezvinhu zvakavanzika zvakaitwa naSam Walton paWal-Mart. Akanga achigona kutengesa Tide detergent asati abhadhara chikwereti kuMutter & Gamble, chaizvoizvo, achishandisa mari yePG kukura mutengesi wake.
Munyaya yekambani yeinishuwarenzi, iyo policyholder "float" inomiririra mari isati iri yekambani asi iyo inoshandiswa kushandisa uye inowana mari yekutsvaga kusvikira yaifanira kuribhadhara kunze kwezviitiko kana zvikwereti zvemishonga, munyaya yacho yebhaji rebhasi. Mari inoshandiswa nemamwe maitiro ehukuru muhutano hukuru hunosiyana zvikuru panyaya-ne-kesi uye inowanzosvika kune tarenda uye kurangwa kwevatariri.
Kutsvaga Chakanakisisa Nheyo Yakakura
Vazhinji vatengesi vepakati-kati vanotenda kuti chinangwa muhupenyu ndechekusununguka chikwereti (ona Ndinofanira Kubhadhara Kubvisa Chikwereti Changu Here? Apo iwe unosvika mahedheni ekumusoro emari, zvisinei, iyo pfungwa haisi yakananga. Makambani mazhinji emakambani akabudirira kwazvo pasi pose anoisa ruzivo rwehutano hwavo pane imwe chete inofungidzirwa - iyo mari yemari.
Kana iwe ukakwereta mari pa7 muzana kwemakore makumi matatu muzana munyika ye3 muzana yekutengesa uye kuidzosera mumakona ekugadzirisa pa15 kubva muzana, iwe ungadai wakachenjera kucherechedza makumi mana kubva kuzana kubva ku50 muzana mune chikwereti chikuru mumutengo wako wose wekushandiswa zvikurukuru kana kutengesa kwako uye mari yezvigadzirwa zvisinganyatsogadzikane.
Kana iwe ukatengesa chinhu chinonyanya kukosha icho vanhu vanongofanira kuva nacho, chikwereti chichava dambudziko rakanyanya kuderera kudarika kana iwe uchishanda paki yepamusoro mumutaundi wevatasviki pakureba kwekambani yepamusoro. Zvakare, iyi ndiyo iyo kutarisira tarenda, ruzivo, uye uchenjeri hunovapo.
Vakuru vatungamiri vane knack yokuramba vachideredza kuyerwa kwavo kuyerwa kwemazana emari yekuwedzera mari kuburikidza nekuwedzera michero, vachitsvaga michina yepamusoro yekudzorera, nezvimwewo. Ichi ndicho chikonzero iwe unowanzoona mabhizimusi ekubhadhara mabhizimusi makambani achitora mukana wechikwereti kwenguva refu nekubudisa mabhizimisi ehurumende .
Kuti unzwisise zvakananga pfungwa yekugadzirisa, iwe unoda kutora nguva shomanana yekuverenga Kudzoka paEquity: Dhupont Model kuti uwane ruzivo rwekuti masimba makuru anomiririra sei chimwe chezvinhu zvitatu mukugadzirisa mukana wekudzorera kambani ichawana pane mari iyo varidzi vayo vakaisa mari iyo. Pasinei nokuti iwe une dhipatimendi kana kuti uri kufunga nezvekutsvaga mari mumatokari, ndeye ruzivo rwaunofanira kunge uine kana iwe uchida kukudziridza zviri nani nezvezviitiko nemubairo unotarisana nemari yako.