Kwenzekani Uma Ibhizinisi Lihluleka Ukubolekwa Imali? Imiphumela Nezinketho

Uma ungayibuyiseli imali mboleko noma ikhadi lesikweletu e-United Arab Emirates (UAE), imiphumela eminingana ingase ibe khona, ithinte impilo yakho yezezimali nokuma kwezomthetho. I-UAE inemithetho eqinile mayelana nokukhokhwa kwesikweletu, futhi kubalulekile ukuqonda le mithelela ukuze ugweme imiphumela emibi. Nakhu ukubuka konke okuningiliziwe:

Imithelela Esheshayo Yezezimali

• Izimali Zokukhokha Sekwephuzile: Ukweqiwa komnqamulajuqu wokukhokha kuvame ukuholela ezindlekweni zokukhokha sekwephuzile, okwandisa inani eliphelele elikweletwayo.
• Izinga Lenzalo Enyukile: Amanye amabhange angase akhuphule izinga lenzalo kubhalansi yakho esalele, ahlanganise isikweletu.
• Isilinganiso Esiphansi Sesikweletu: Ukungakhokhi kungaholela ekwehleni kwesikolo sakho sesikweletu, kuthinte ikhono lakho lokuthola imalimboleko noma isikweletu esikhathini esizayo.

Imiphumela Esemthethweni Neyesikhathi Eside

• Isinyathelo Somthetho: Amabhange nezikhungo zezezimali zingathathela izinyathelo zomthetho abangakhokhi. Lokhu kungase kuhlanganise nokuvula icala ezinkantolo ze-UAE.
• Ukuvinjelwa Kokuhamba: Ezimeni ezibucayi zokungakhokhi izikweletu, iziphathimandla ze-UAE zingafaka ukuvinjelwa kokuvakasha, ukuvimbela owephule umthetho ukuba ashiye izwe kuze kube yilapho isikweletu sesiphelile.
• Icala Lomphakathi: Umbolekisi angase afake icala lomphakathi ukuze abuyise isikweletu. Uma inkantolo ikhipha isinqumo ngokumelene nongakhokhi, ingase ikhiphe umyalelo wokuthi kuthathwe impahla noma iholo ukuze kukhokhelwe isikweletu.
• Izindleko Zobugebengu: Uma isheke elinikezwe umebolekisi libhampa ngenxa yemali enganele, lokhu kungaholela ecaleni lokubulawa e-UAE.

Umthelela Ekuqashweni Nendawo yokuhlala

• Ubunzima Bokuqashwa: Abaqashi e-UAE bahlola izikweletu, futhi irekhodi elibi lesikweletu lingathinta amathuba akho omsebenzi.
• Izinkinga Zokuvuselela I-Visa: Izinkinga zezikweletu zingaphinda zibe nomthelela ekuvuselelweni kwama-visa, kuthinte ikhono lakho lokuhlala ezweni.

Izinyathelo Zokunciphisa Imiphumela

• Ukuxhumana Nabakweletayo: Uma ubhekene nezinkinga zezimali, kubalulekile ukuxhumana nabakweletayo. Amabhange amaningi ahlinzeka ngezinhlelo zokuhlela kabusha ukusiza ukuphatha ukukhokha.
• Ukuhlanganiswa Kwezikweletu: Cabangela ukuhlanganisa izikweletu zakho zibe yimalimboleko eyodwa enenani lenzalo eliphansi ukuze wenze ukukhokha kulawuleke.
• Ukubonisana Kwezomthetho: Ukufuna iseluleko kuchwepheshe wezomthetho mayelana nokuphathwa kwezikweletu kunganikeza amasu okuzulazula kulesi simo ngempumelelo.

Ukwehluleka ukukhokha imali ebolekiwe noma yekhadi lesikweletu e-UAE kungaholela emiphumeleni ebalulekile yezezimali, ezomthetho, neyomuntu siqu. Kubalulekile ukuthatha izinyathelo ezisheshayo zokuphatha izikweletu futhi ufune izeluleko zochwepheshe uma ubhekene nobunzima. Khumbula, ukugwema noma ukungayinaki inkinga kungase kubhebhethekise isimo, kuholele emiphumeleni emibi kakhulu.

Okuzenzakalelayo kokuthi a imali mboleko yebhizinisi kungaba serious zezimali, zomthetho, futhi isikhathi eside imiphumela yezinkampani nabanikazi. Lo mhlahlandlela uhlola ukuthi kusho ukuthini ezenzakalelayo, imiphumela yonkana ezahlukene Mboleko izinhlobo, namasu okubuyisela uma udonsa kanzima buyisela.

Yini Ehlanganisa Ngokusemthethweni Ukuzenzakalelayo Kwemalimboleko?

Ngokwemalimboleko Isivumelwano, okuzenzakalelayo ngokuvamile kusho a obolekayo:

• Igeja kaningi izinkokhelo
• Iphula eminye imigomo njengokwehluleka ukunakekela umshwalense
• Amafayela ezinqubo zokuqothuka noma zokungabi nazimali

Ukushoda nje kwenkokhelo eyodwa ngokuvamile ubuhlongandlebe. Kodwa izinkokhelo ezigejiwe zilandelana ziqhubekela esimweni esimisiwe.

Kahle kahle zingaki izinkokhelo eziphuthelwe noma yiziphi izikhathi ezinqunyiwe ezichazwe kulokho okucacisiwe isivumelwano semalimboleko. Izimalimboleko ezivikelekile futhi kuvame ukuba nezibangeli ezizenzakalelayo eziyinkimbinkimbi njengokuncipha kwemali engenayo yebhizinisi noma inani eliphelele lomnikazi.

Uma kumenyezelwe ngokusemthethweni ku ezenzakalelayo, ibhalansi egcwele yemalimboleko ngokuvamile iba khona ngokushesha. Ukwehluleka buyisela izovula i obolekayo amalungelo okuthola kabusha ngezinqubo zomthetho.

Imiphumela Ebalulekile Yokuzenzakalelayo Kwemalimboleko Yebhizinisi

Imithelela yokungaphumeleli idlulela kuzo zonke izindawo zezimali, zokusebenza, zomthetho ngisho nezomuntu siqu:

1. Ukulimaza Izikolo Zezikweletu kanye Nokuxhaswa Ngezimali Kwekusasa

Okuzenzakalelayo kulimaza kakhulu iphrofayela yebhizinisi lesikweletu, eboniswa emibikweni yezikweletu zezentengiselwano ezivela kuma-ejensi afana ne-Experian ne-D&B.

Amaphuzu aphansi enza ukuvikeleka ngezimali ngezidingo ezifana nemishini, i-inventory, noma ukukhula okunzima kakhulu ukuya phambili. Amanani enzalo futhi ngokuvamile liyakhuphuka ngoba ibhizinisi manje selithathwa njengengozi enkulu.

2. Isenzo Sezomthetho, Amacala, Nokuqothuka

Ngokuzenzakalelayo, ababolekisi bangamangalela the inkampani yokuboleka ngokuqondile ukuzama ukubuyisela amanani akweletwayo. Uma abanikazi banikeze a isiqinisekiso somuntu siqu, izimpahla zabo zomuntu siqu nazo zisengozini.

Uma izibopho zingeke zifezwe, ibhizinisi noma ngisho nezomuntu siqu ukuphazamiseka kungaba yiyona ndlela kuphela. Le mithelela yalokhu kugcwaliswa iqhubeka iminyaka ikhinyabeza ukufinyelela kwezikweletu nokusebenza kwayo.

3. Ukuthathwa Kwempahla kanye Nokuqedwa Kwempahla Ebambisanayo

Okokusekelwa kwempahla "ivikelekile” imalimboleko, izibangeli ezizenzakalelayo the obolekayo ilungelo lokuthatha kanye nokuqeda isithembiso ukubambisana njengempahla, okokusebenza noma ama-akhawunti atholakalayo. Bafaka isicelo semali etholiwe enanini lemalimboleko esidlulelwe yisikhathi.

Ngisho nangemva kokuqedwa kwesibambiso, amabhalansi asele angakatholwa kusafanele abuyiselwe yibhizinisi ngokusekelwe ku- Imibandela kusayiniwe.

4. Ukulimala Kokusebenza Nesithunzi

Imiphumela ye-domino kusukela ekunciphiseni ukufinyelela capital ngemuva kokwenza iphutha kungakhubaza ukusebenza isikhathi eside. Lezi zindaba ziphinde zibe sengozini enkulu yokulimala kwesithunzi nge amakhasimende, abathengisi kanye nozakwethu uma besakazwa.

Lokhu kunciphisa amathuba kanye nokuncintisana ikakhulukazi kumabhizinisi amancane aqhutshwa ukuthengisa noma lawo asebenza ibhizinisi-kuya-bhizinisi.

Izinhlobo Nemiphumela Ethize Yemalimboleko

Okuzenzakalelayo ramifications ziyehluka ngokusekelwe Mboleko inhloso, isakhiwo nokuphepha:

Izikweletu Zebhizinisi Ezingavikelekile kanye Nemigqa Yesikweletu

Okujwayelekile kokunye ababolekisi or izinkampani ze-fintech, lezi zimali mboleko "azikho isibambiso" zishiya okuncane izimpahla sengozini ngokuzenzakalelayo. Nokho, uhlobo oluthile isiqinisekiso somuntu siqu kusuka kubanikazi kuvamile.

Izinkokhelo eziphuthelwe amakholi nezincwadi zokuqoqa ngokushesha, okulandelwa ukuhlotshiswa kwamaholo okungaba khona noma amacala omphakathi ngokumelene nempahla yabanikazi ngesiqiniseko ngasinye. Izikweletu ezingavikelekile nazo azivamile ukudedelwa uma ucwile.

Ukubolekwa Kwesikhathi Esivikelekile noma Ukuxhaswa Ngezimali Kwezisetshenziswa

Ixhaswa ngu ukubambisana njengemishini noma izimoto ezixhaswe ngezimali, ukungakhokhi lapha kuvumela umebolekisi ukuthi athathe ngenkani bese evala izimpahla ezishiwo ukuze abuyise izimali azikweletayo.

Noma iyiphi insalela ilandelwa ngecala, ikakhulukazi uma isekelwa iziqinisekiso zabanikazi. Kepha ukuvalwa kwemishini ebalulekile kungalimaza kakhulu ukusebenza.

Ukuthi Amabhizinisi Adonsa kanzima Angakwazi Kanjani Ukugwema Okuzenzakalelayo

Ukwenza kube ngcono ngaphambi kokulungiselela amabhizinisi abhekene nezinselelo zokungena nokuphuma kwemali ukuze agweme okuzenzakalelayo:

• Buyekeza ngokucophelela imibandela yemalimboleko ngaphambili ukwazi izinto ezingaba yimbangela.
• Gcina ukuxhumana okuvulekile nabo bonke ababolekisi uma ubhekene nobunzima bokukhokha. Ukuthula kuqinisekisa ukukhuphuka.
• Buza ngezinhlelo zobunzima, ukuguqulwa kwemali mboleko noma ukuxhasa ngezimali imikhiqizo eyehlisa umthwalo.
• Hlola ukupakisha okuncane imali ebolekiwe yokuhlanganisa izikweletu ukwenza izinkokhelo zibe lula.
• Xhumana nabeluleki bezezimali zebhizinisi abaqeqeshiwe njengabagcini bamabhuku noma abameli ukuze bathole isiqondiso.

Nakuba zingaphelele, lezi zinyathelo zingasiza ukuqinisekisa ukuthi amabhizinisi akhulisa ukusebenza ngendlela eyakhayo nababolekisi ukuze agweme okuzenzakalelayo.

Ukuthola Okuzenzakalelayo Kwemalimboleko Yebhizinisi

Uma sekumenyezelwe ngokuzenzakalelayo, ukuxhumana ngokuqhubekayo ukuze kuxoxiswane ngezinqumo noma ukukhokha kusabalulekile njengoba ababolekisi khetha ukugwema izinqubo zomthetho. Izinketho ezingaba khona zincike ezimweni ezithile kodwa zingabandakanya:

Izinhlelo Zokuhlela Kabusha Izikweletu

Ababolekisi bahlaziya i ibhizinisi' imininingwane yezezimali ebuyekeziwe futhi uvumelane nemibandela yokukhokha eshintshiwe njengamanani aphansi, ubude besikhathi obunwetshiwe noma izinsuku zokuqala ezibambezelekile ukusiza ukuzinzisa izimo.

Ukunikezwa kwe-Compromise (OIC) Settlements

Ibhizinisi lifakazela ukuthi alikwazi ukubuyisela ngokweqiniso inani eligcwele elimisiwe. Umbolekisi wamukela inkokhelo encane okuxoxiswene ngayo yesamba sesamba sokuhoxiswa kwamalungelo esimangalo esisemthethweni.

Ukufaka Isicelo Sokuqothuka

Uma ukuguqulwa kwebhizinisi okusebenzayo kuhlala kungenakwenzeka ngenxa yokuqina kokuzenzakalelayo, abanikazi basebenzisana nabeluleki ukuze bathole ukuvikeleka. Ababolekisi kufanele bayeke imizamo yokuqoqa kodwa futhi ngeke baphinde baxhase amabhizinisi anjalo kamuva.

Okuthathwayo Okubalulekile Ezimweni Ezizenzakalelayo Zemalimboleko Yebhizinisi

• Lindela umthelela onzima wezezimali, wezomthetho kanye nokusebenza lokho kungase kucekele phansi noma kucekele phansi ibhizinisi uma iphutha lenzeka futhi lihlala lingalungiswa.
• Ukwenza kusengaphambili ukuze uhlale uxhumene nababolekisi futhi ulungise noma unikeze kabusha imigomo lapho kuvela ubunzima kungasiza ukugwema ukunyukela kokuzenzakalelayo ngokuphelele.
• Ukusebenzisa izinsiza zokwelulekwa ngezikweletu kusenesikhathi kuwukuhlakanipha ukuqonda ubungozi obuthile kanye nezimo ezisekelwe ezakhiweni zemalimboleko. Hlola zonke izinketho ngaphambi kokuphetha ukwehluleka kwebhizinisi noma ukuqothuka kuba yinto engenakugwemeka ngenxa yezikweletu.

Ngezinhlelo ezenzelwe wena kanye nokuxoxisana kwesiguli noma sekwenziwe iphutha, amabhizinisi angakwazi ukusimamisa izimo futhi noma akhe izindlela zokuphuma ezinhle. Kodwa ukugwema ukubhekana nalesi simo kuqinisekisa ukwehluleka kwenkampani.