Nzwisisa pfungwa dzekutanga mune zvemari

Kuti uve nechokwadi chekutonga kwemari kunoshanda, zvakakosha kugona pfungwa dzekutanga mune zvemari. Aya mafungiro akakosha anokutendera iwe kuti utore zvirinani zviwanikwa zvako zvemari uye kuita sarudzo dzine ruzivo. Heano mamwe mazwi akakosha ekuziva:

  1. Assets and Liabilities: Assets inomiririra zvivakwa nezviwanikwa zvine bhizinesi, nepo zvikwereti zviri zvikwereti uye zvisungo zvemari. Musiyano uripo pakati pemidziyo nezvikwereti unoumba kuenzana kwekambani.
  2. Mari dzinowanikwa uye Zvinoshandiswa: Mari inowanikwa huwandu hwemari inogadzirwa nebhizinesi kuburikidza nemabasa ebhizinesi, nepo mari inodiwa iri mari inowanikwa mukuita mabasa aya. Musiyano uripo pakati pemari inowaniswa nemari inoshandiswa ipurofiti kana kurasikirwa kwebhizinesi.
  3. Profitability: Profitability inoyera kugona kwekambani kugadzira purofiti zvichienderana nemitengo yayo. Inowanzo kuratidzwa sechikamu uye inogona kushandiswa kuenzanisa kushanda kwemari kwemakambani akasiyana kana kuongorora kushanda kwekudyara.
  4. Budget: Bhajeti chirongwa chemari chinofanotaura mari yebhizimisi uye mari yenguva. Inobatsira kuteedzera kuita kwemari, kudzora mitengo, uye kuona mikana yekuvandudza.
  5. Kuyerera kwemari: Kuyerera kwemari kunomiririra kupinda nekubuda kwemari kubva kukambani panguva yakatarwa. Kushanda zvakanaka kwekuyerera kwemari kwakakosha kuti uve nechokwadi chekuti kambani ine liquidity uye solvency.

Ongorora zvirevo zvemari kuti uite sarudzo dziri nani

Zvinyorwa zvemari zvinopa ruzivo rwakakosha pamusoro hutano hwemari hwebhizimisi uye zvakakosha pakuita zvisarudzo zvine ruzivo. Heano mamwe akakosha ezvemari uye maitiro ekuaongorora:

  1. Balance Sheet: Balance sheet inoratidza zvinhu, zvikwereti uye kuenzana kwebhizinesi panguva yakatarwa. Inobatsira kuongorora solvency uye kugadzikana kwemari kwekambani. Kuti uongorore pepa rekuenzanisa, enzanisa zvinhu uye zvikwereti kuti uone kukwanisa kwekambani kubhadhara chikwereti uye kukura kwemari.
  2. Chirevo chemari: Chirevo chemari chinopa mari, mari uye purofiti kana kurasikirwa kwebhizinesi pane imwe nguva yakapihwa. Inoshandiswa kuongorora purofiti uye kuita kwemari kwekambani. Kuti uongorore chirevo chemari, ongorora mari uye mafambiro emari uye wozvienzanisa nekufanotaura kwebhajeti kuti uone misiyano nemikana yekuvandudza.
  3. Chirevo chekuyerera kwemari: Chirevo chekuyerera kwemari chinoratidza mari inopinda uye kubuda kwekambani panguva yakatarwa. Iyo inoteedzera liquidity uye kugona kwekambani kugadzira kuyerera kwakanaka kwemari. Kuti uongorore chirevo chekuyerera kwemari, tsvaga kwainobva mari uye zvakashandiswa uye ongorora kugona kwekambani kubhadhara mashandiro uye kubhadhara chikwereti.
  4. Mari reshiyo: Huyero hwemari midziyo yekuongorora inoyera kushanda kwemari kwekambani nekuenzanisa data rezvemari rakasiyana. Mareshiyo aripo anosanganisira profit margin, liquidity ratio, solvency ratio uye return on equity. Kuti uongorore zviyero zvemari, zvienzanise kune maindasitiri ratios uye nhoroondo yekambani ratios kuti uongorore hukama hwekuita.

Tonga njodzi dzemari kune bhizinesi rakasimba uye rakagadzikana

Kugadzirisa njodzi dzemari kwakakosha kuti uve nechokwadi chekugadzikana uye kusimba kwebhizinesi. Nekuona uye kudzikisira njodzi dzemari, unogona kugadzirira zvirinani bhizinesi rako kutarisana nekusagadzikana uye matambudziko. Heano mamwe maitiro ekugadzirisa zvinobudirira njodzi yemari:

  1. Diversification: Paridza mari yako uye masosi emari kuti uderedze kutsamira pane chimwe chiitiko kana musika mumwe. Diversification inogona kukubatsira kugadzirisa kushanduka kwemusika uye kuderedza njodzi dzine chekuita nekudonha kwekudiwa mune imwe chikamu.
  2. Kuronga kwemari: Gadzira hurongwa hwemari hwakasimba hunosanganisira mari uye mari yekufungidzira, zvinangwa zvekukura, uye nzira dzekudyara. Urongwa hwemari hwakanyatsogadzirwa huchakubvumidza kuti utarise matambudziko emari uye kutora matanho ekuadzikisa.
  3. Scenario ongororo: Ita ongororo yemamiriro ezvinhu kuti uone kukanganisa kwezviitiko zvakasiyana pahutano hwemari hwebhizinesi rako. Izvi zvichakubatsira iwe kutarisira njodzi dzinogona kuitika uye kugadzira zvirongwa zvekuita kuti udzikise maitiro avo.
  4. Cash Management: Ramba wakatarisisa mafambisirwo emari ekambani yako uye uve nematanho aripo kuti uve nechokwadi chekutonga kwemari. Kubata kwakanaka kwemari kuchakubvumidza kuti ubate nezvisingatarisirwe uye chengetedza iyo solvency yebhizinesi rako.
  5. Inishuwarenzi: Tora inishuwarenzi yakakodzera kuchengetedza bhizinesi rako kubva kune njodzi dzemari dzine chekuita nezviitiko zvisingafanoonekwi, setsaona, njodzi dzinongoitika dzoga kana kukwidza nyaya. Inishuwarenzi inogona kukubatsira kudzikisira kurasikirwa kwemari uye kuchengetedza kuenderera kwebhizinesi rako.

Nekushandisa aya mazano ekugadzirisa njodzi dzemari, iwe unosimbisa kugadzikana uye kusimba kwebhizinesi rako pakatarisana nematambudziko emari uye nekuona kusimba kwaro kwenguva refu.

 

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