Inani lamanje nokubaluleka kwalo

Into enjengale inani lamanje ongagcini nje ukuxazulula izinkinga zomnotho umfundi, kodwa futhi ngokwenza ibhizinisi langempela. Kuyasiza hlola inzuzo ukutshalwa kwezimali, isikhathi payback ukutshalwa kwezimali noma imiklamo. ikhanda ngalinye lenkampani kumele kucace ukumela nokuphuma kwemali, izindleko kanye nomthelela emali, okuzenzakalelayo nezinye yokuguqukela kwesinye isimo somnotho.

definition

Yethula value - loku kusho ukuthini ukuthi kwakudingeka namuhla ngoba lemali ebekiwe esikhathini esizayo ngaphansi kwezimo inikezwe. Ukuze uqonde lokhu kangcono, singakunikeza isibonelo. Ake sithi emva kweminyaka emihlanu, inkampani ungathanda ukuthola ngokweqile uma utshala imali yabo nenani $ 100,000. izimo umnikelo ziyabonisa futhi ofeleba izimali at 10% inzuzo. Ngakho, inani lamanje lemali edingekayo kuze kube manje lemali cishe $ 18.200. Lokhu kusho ukuthi kufanele bazinike kule phrojekthi manje $ 18.200, iminyaka engu-5 ukuthola $ 100,000.

ifomula

Inani lamanje kunqunywa fomula elandelayo:

PV = FV / (1 + i) ^t,

lapho PV - inani lamanje;

FV - lemali abagcini zimali niyithole;

i - izimali lenzalo;

t - ubude investimenti.

Ifomula silula, futhi uma kudingekile, ungakwazi ukuthola lemali okumele elitholwe yiNkampani esikhathini esizayo izindlela ezitholakalayo:

FV = PV * (1 + i) ^t

isicelo

Ungasebenzisa lolu lwazi hhayi kuphela ukunquma inani elifunekayo, kodwa futhi ukubala inzuzo elindelekile. Ngenxa yale njongo, inani lamanje, okukhombisa inani iholo net utshalomali. Ukusebenzisa le nkomba, ungabona isikhathi of kabusha. Lokhu kubalulekile ikakhulukazi uma amanani amakhulu, kuba njalo kubalulekile ukwazi fast kanjani ukuthi inani uzoqala imali. Inani lamanje kusiza ukuba sihlaziye inzuzo ukutshalwa kwezimali, kanye ukuze ukhethe amaphrojekthi lapho utshalomali kuyovuzwa ngokushesha inani eyabelwe isikhathi.

Inani lamanje kungasiza nasekunciphiseni ukubala Receivables kanye okumele zikhokhelwe. Kuyaziwa ukuthi ukukhuphuka kwamanani ezimpahla kuholela ukwehla kwentengo imali, futhi kanjalo, uma ukubambezeleka yokukhokha amandla wokuthenga we inani izikweletu kuyehla. Kufanele kucatshangelwe kulesi sibalo nabaphakeli namabhange. Kungenxa yalesi sizathu, izinkampani eziningi uncamela amakontileka eside imigomo yokukhokha ayilibalanga. Le ndlela ivumela ukuba uthenge izinto zokusetshenziswa kanye nemikhiqizo "amanani ubudala." Uma lezi ukuthenga eyenziwa imali eningi, imali zimane cwe.

Kufanele futhi ukuthatha leli ku-akhawunti kanye ekusebenziseni imisebenzi njengoba umphakeli noma umthengisi. Ekuphetheni izivumelwano kubalulekile ukuhlinzeka i-wenzuzo abeke ezengeziwe isithakazelo lemali ngaleso ukubambezeleka yokukhokha. esinokulinganisela kwezomnotho kuzosiza izinkampani sikulindele nanoma yiziphi izinkinga kungenzeka kulesi sibalo, kanye ukutshala ngendlela enenzuzo kakhulu.