Dziko lazachuma likuyenda modumphadumpha ndi njira zatsopano, njira ndi mapulogalamu momwe ndalama zimatha kusunthira ndi bata komanso ufulu m'misika, zomwe zimapindulitsa onse omwe akufuna kuyika ndalama kapena kulowa kwathunthu mu izi mutu.

Izi zikuwonjezeredwa kuti chuma chikukhala chokongola kwambiri ndipo mwanjira zake chitha kupezeka chochuluka, chomwe chimalimbikitsa anthu opitilira m'modzi omwe akufuna kukhala azachuma.

Pokumbukira izi, ndikofunikira kuti munthuyo adziwe bwino zida zosiyanasiyana zomwe amagwiritsidwa ntchito pazogulitsa, monga renti yokhazikika. Ponena za lingaliro ili, nthawi zambiri limatanthawuza ndalama zomwe zatulutsidwa ndi zomwe zatchulidwazi kapena zotetezedwa zomwe zimatha kuyambira m'matangadza, mpaka kumakalata, makalata, pakati pa ena. Zachidziwikire, ziyenera kukumbukiridwa kuti chida ichi chitha kugwiritsidwa ntchito pamtundu uliwonse wazachuma, makamaka ngati ndi kudzera munjira zosungira.

Kufotokozera kwa ndalama zochepa

La ndalama zochepa Nthawi zambiri amakhala ngongole zomwe zimagwiritsidwa ntchito nthawi zambiri ndi mayiko ndi makampani, makamaka akamalowa m'misika yayikulu yazachuma. Makhalidwe oterewa akhala ngati inshuwaransi ya ngongole yomwe imakhala ndi ma bond ndi mitundu ina yamakalata amtundu wolipira monga makalata. Kubwerera ku ligi yayikulu, zitha kunenedwa kuti munthu yemwe ali ndi mutu wa okhazikika, atha kukhala wobwereketsa kampani yomwe ikupempha ngongoleyo. Nthawi zambiri chiwongola dzanja china chimaperekedwa panthawi yomwe ngongole imalipidwa.

Mwa zotetezedwa zazikulu mkati mwazomwe zingatchulidwe ndalama zochepa, Mutha kubweretsa ma cetes, ma bond savings, madipoziti a nthawi kapena zolembera, maudindo, kulandila kubanki, akaunti yosungira, ma repos, pepala lazamalonda, maakaunti aku banki kapena aphunzitsi, makhadi a kirediti kapena kirediti. Kwa awa mutha kuwonjezeranso kale ndi tebulo la ndalama.

Malingaliro oti muganizire mozungulira ndalama zochepa

Tiyenera kunena kuti njirayi siyofanana ndi kupeza phindu nthawi zonse. Wogulitsa ndalama mchitidwewu atha kuchita izi, zomwe zitha kudziwa phindu kapena chiwopsezo. Kumbali imodzi, imatha kukhala ndi mutuwo mpaka kukhwima, ngakhale itha kugulitsanso mutuwo isanathe kwa wochita bizinesi wina mumsika wotchedwa msika wachiwiri.

Mwinanso, kusakhazikika kumatha kuchitika ngati pali amene sanapereke ndalama kwa amene amapereka, omwe amadziwika kuti chiwopsezo changongole kapena kubweza ngongole.

Ikhozanso kukhala nkhani ya a ndalama zochepa Izi zitha kukhala zokhudzana ndi malonjezo (zotetezedwa ndi ngongole) zomwe cholinga chake ndikulipira zosowa kwakanthawi kwamakampani abizinesi. Apa chiopsezo chimadalira mtundu wa kampaniyo

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