Ibhizinisi-uhlelo ikhefi: isibonelo izibalo. Vula cafe kusuka ekuqaleni: isampula business plan izibalo. Ready Iqhinga Lebhizinisi Cafe

Kunezikhathi lapho kukhona umbono wenhlangano ibhizinisi, uzimisele futhi uyakwazi nekuwusebentisa futhi ukusebenza nokusebenzisa okudingekayo kuphela isikimu efanelekayo zebhizinisi. Ezimweni ezinjalo kungenzeka ukugxila ibhizinisi uhlelo coffee shop. Isibonelo izibalo kuzosiza sithole idatha yomthombo adingekayo ukuqala ibhizinisi, kanye ukubikezela umphumela wokugcina okungaba umphumela walokho engase idale. izibonelo Iphele kungaba Orient izitayela emakethe oguqukayo, ukunikeza ababezibheka zabuzwa imisebenzi. Kuba yisikhathi futhi lapho izinga business plan coffee shop, isibonelo izibalo of utshalomali sokuqala, inzuzo payback isikhathi kuyosisiza ukuheha abatshalizimali umsebenzi okuhleliwe.

isifinyezo

Injwayelo yokufuna ukuba ikhofi ukusetshenziswa ziyahlukahluka kusuka eyishumi kuya kweyishumi. Manje-ke akuyona nje isiphuzo eqabulayo, satellite nesikhathi esimnandi e kwesiyingi nabangane nabantu obajwayele, osebenza nabo kanye abantu obathandayo. Kungani ungenzi ikhofi isikhathi yokushintshisana kwamasiko kanye nekutfokotela nokucabanga imisebenzi yobuciko wesimanje?

Phakathi kwezinye izinto, ukusungulwa ikhofi izitolo akuyona kuphela elichumayo inzuzo, kodwa futhi unalo ikhono elikhulu ekuthuthukiseni. izinhlobo ezahlukene, nangendlela ezinikezwa ngayo nezindlela ukwesekwa, nenqwaba izenzakalo, okungase zihluka yokuchitha isizungu evamile.

Abasebenzi yasekuqaleni ingaphakathi, friendly, nenobuchule, nemibukiso recitals kuzodala umoya ezikhethekile namasiko ezokwenza ukuheha izivakashi for kokuhlala ezimnandi nentuthuko engokomoya.

Endabeni ka ukugcwaliseka ngempumelelo iphrojekthi ingaqala bacondze etindzaweni letehlukene. Kungenzeka ukwakha inethiwekhi amagatsha ezikhethekile kakhulu - esitolo sokudla tetemibhalo, imidlalo yaseshashalazini, ikhofi izitolo yabaculi, amathilomu nge jazz bukhoma umculo, njll

Ukuzivumelanisa nezimo ezithile zangaphakathi nezangaphandle, sokunquma yokuqala ibhizinisi uhlelo amagugu, izibalo isampula, kungenzeka ukuhlela elichumayo, isikhathi ukuthola isikhundla salo ukuncintisana kanye ukusebenzisa amandla aphelele we etshaliwe. Nokho, isibonelo iqukethe incazelo izibalo obuvamile izimakethe eziningi ezingaba khona. Ukuchaza ngokugcwele imininingwane, izimo ezithile khona, idokhumenti kumele kulekelelwa uhlaziyo mncintiswano, hlela izintengo izinto zokusetshenziswa kanye namathuluzi eziyisisekelo eziphathelene esifundeni, okuzosebenza kokuqendwa business plan coffee shop.

umkhiqizo incazelo

Le phrojekthi ihlose ukwakha ikhofi tetemibhalo "Murakami", okuyinto ihlose abe "isiqhingi kwamasiko". Yezinjongo eziyinhloko, okuhlanganiswayo kokuqendwa coffee shop business plan kuyinto ukugxilisa uthando intsha ukuba izincwadi kanye nentshisekelo yobuciko wesimanje, ukusekela neziphiwo abasha futhi kwenyuswe ukuthuthukiswa yamasiko umphakathi.

Miningi imisebenzi ikhofi:

• ikhofi yezinga eliphezulu kanye iziphuzo kofesoderzhaschie.
• Sibambe nemibukiso.
• kusihlwa Literary.
• Krossbuking.

ikhofi Amaklayenti ungakwazi ukujabulela eliphezulu ikhofi kanye kofesoderzhaschimi iziphuzo sihambisana okuphumuzayo lounge-umculo katsatfu ngeliviki izobanjelwa kusihlwa tetemibhalo, mini-lokwentiwako, isithombe nemibukiso yezobuciko of wesimanje avant-garde abaculi, okuyokwenza neziphiwo abasha ukuba baveze imizwa yabo, futhi amakhasimende ikhofi ngijwayele okwenzeka namuhla art. Lezi zinyathelo awahlanganisi noma iyiphi imali noma izindleko.

Liphinde esitolo ikhofi linikeza amakhasimende ayo ukuze iqhaza ukunyakaza komphakathi - krossbukinge, okuyinto kuhilela ukwenana tincwadzi letifundvwe. Igumbi ikhofi ifakwe emashalofini yokuqala lapho wonke umuntu angakwazi uhlale ufunda incwadi amukele ukubuya washiya lapho omunye umuntu. Isimo esikhululekile esitolo ikhofi inikeza endaweni ethule ukuze ulifunde ukhululekile.

Coffees kanye iziphuzo kofesoderzhaschih, izindlela kanye intengo:

igama isiphuzo	ukwakheka	Intengo, rbl.
Espresso «Reader»	Isiphuzo yekhofi eyenziwe odlulayo amanzi anomfutho, nge ukushisa, ngokusebenzisa lemifanekiso nge zekhofi.	40,00
Americano «Avangard»	Espresso kulekelelwa amanzi ashisayo, ukudlulisa ukujabulela yalesi siphuzo.	50,00
Mokkachino "Haruki"	Isiphuzo yekhofi ubisi cocoa.	60,00
Espresso Macchiato "Ngaseningizimu Border"	Espresso camera ubisi Foam.	55,00
Vanilla Latte "Poslemrak"	Latte ngokungeza vanilla akhiphe kanye obukhulu Foam alube.	60,00
Latte "Izinkuni Norwegian"	Espresso, ushokoledi esimhlophe, ubisi, ubisi Foam.	55,00

The main inzuzo yokuncintisana itholakala ikhofi yayo ubuchwepheshe, ngoba lolu hlobo izikhungo thematic kuthiwa insufficiently ithuthukiswe emadolobhaneni yesifundazwe. Kunengqondo ukuphetha ngokuthi original cafe uhlelo lwebhizinisi (isibonelo izibalo). ikhofi Takeaway kungabuye kufakwe zinsiza ikhofi.

Izindleko imikhiqizo imiqulu anda kuzonciphisa lempahla njengoba fixed kanye variable ngenxa ukuthenga ngobuningi izinto zokusetshenziswa. Umqondo ikhofi zamanani wabeka izindleko indlela ukudayisa izibonelelo, esekelwe izikhungo okwakhe. Ligcizelela emkhathini creative futhi okwakhe imisebenzi.

SWOT-ukuhlaziywa

izinzuzo	amaphutha
emkhathini ekhethekile izikhungo isiko Original ikhofi Quality neziphuzo Krossbuking Ithuba livela exchange Cultural	Ongakabi isithombe elakhiwe Ukungabikho amakhasimende njalo Ukuswelakala kokusebenza ngokuhlanganyela ubudlelwano ezimisiwe nabaphakeli
amathuba	esisongela
ukunwetshwa ububanzi Ukwakha ubuhlobo nabantu kubatshali bezimali abasha Ukukhethwa kwe-abahlinzeki elihle kunawo amakhasimende Qotho	Neqiniso lokuthi ingozi izimbangi Ukwenqatshwa esisokayo emphakathini

nezithameli

Inkampani eligxile izilaleli ephansi futhi phakathi, ikakhulukazi:

• abantu yokudala abasha nabafundi (iminyaka 17-25 ubudala);
• e amakhasimende phakathi-abaneminyaka abanentshisekelo yobuciko wesimanje (iminyaka 26-45).

Neqiniso ikhasimende yekhofi yethu izitolo - onobuqambi o-creative, ngifuna bona, isithakazelo izitayela ubuciko, efuna ugqozi, nomqondo ofanayo abantu noma ukuhoxa ethokomele.

ikhofi indawo

Indawo ethilomu kulindeleke enxanxatheleni yezitolo eduze nedolobha, eduze ezikoleni, amaqoqo abantu kule ndawo. Ikamelo ngaphansi inkontileka ngeke yaqashiswa ukuba esiyiminyaka engu-5. Intengo Okuqhashiwe ayizinkulungwane 180. Ukukuthinta. ngonyaka.

yokuthengisa ukukhuthazwa

amakhasimende Ukukhuthaza iyokwenziwa izindlela ezilandelayo:

Ugqozi umdlalo	Ukuziphatha ukuheha izenzakalo kuzokhulisa traffic esitolo ikhofi kanye nokwazisa umphakathi khona.
isikhangiso	ukukhuthazwa Active coffee shop imithombo inthanethi kanye nezinye izindlela yemithombo yezindaba.
inkonzo Ukukhuthaza	Ithuba ukuvakashela yomcimbi wokuqala kufanele ukhuthaze amakhasimende ukuvakashela esitolo ikhofi bese ukusakaza izwi phakathi abangane nezihlobo.
eziyizikhumbuzo	Patrons banelungelo ukukhulula ikhofi ukufeza inombolo ethile ukuvakashelwa.

Iqhinga Lebhizinisi Cafe (isampula ukubala) inikeza izinketho eziyisisekelo ukuthi kungaba zonke izinhlobo indlela ziyahlukahluka, kokucubungula izindleko nezinzuzo zezimali ingxenye.

inqubomgomo zamanani

amanani umkhiqizo izobalwa esekelwe umthamo isidingo ezingaba, izindleko kanye inzuzo. izimiso zamanani, iphesenti yomdwebo is esabekwa ibhizinisi. Ahluke izinkampani ezahlukene, kungaba business plan Unido cafe (isibonelo izibalo), ukudla okusheshayo yokudlela, noma elinye ibhizinisi kwebhizinisi yokudlela.

Umthamo yokuthengisa kanye namanani entengo e inkampani izobalwa ngendlela elandelayo:

Intengo kwekhofi iziphuzo
igama	Isisindo,%	Inani / ukukhonza, deda.	Lv. bargaining. Nadb.,%	Ivolumu akukho. / Year (ukukhonza.)
Espresso "The Reader"	0.15	40,00	15,00	15768
Americano «Avangard»	0.20	50,00	15,00	21024
Mokkachino "Haruki"	0,10	60,00	20,00	10512
Espresso Macchiato "Ngaseningizimu Border"	0.15	55,00	20,00	15768
Vanilla Latte "Poslemrak"	0.05	60,00	25,00	5256
Latte "Izinkuni Norwegian"	0,10	55,00	20,00	10512
Imali yokuthengisa esijwayelekile:		53,33

isikhangiso

Omunye nezindaba primary ekuvulweni inkampani ukwazisa umphakathi (ngokukhethekile, amakhasimende ezingase zizibangele) mayelana kuvulwa futhi kamuva izindaba, imicimbi kanye ukukhushulwa.

Kulokhu, kuhlelwe imisebenzi asetshenzisiwe kanje:

izikhangiso Banner:

• e - 1;
• ngaphandle - 1;
• ngu gorodu- 3.

Izindleko ukubeka ibhena - ruble ayizigidi 2 ..

Izindleko zalolu hlobo yokukhangisa kuyoba eyodwa-off futhi ngeke azisizi 2 * 5 = 10 (ayizinkulungwane. Hlikihla.).

It is futhi ehlela yokukhangisa la maqembu amabili "Vkontakte", okusho ukuthi yimaphi amaqembu kukhona ethandwa kakhulu phakathi ezakhamuzini zaleli dolobha.

Izindleko ukubeka 1 THS. Hlikihla. ngonyaka, ukukhangisa izokwenziwa unyaka ngamunye:

1 * 2 = 2 eyinkulungwane. (Deda. Per ngonyaka)

Ifomu ephumelela kunazo yokukhangisa - secondary. Uma iklayenti uyaneliseka ukuvakashelwa sikhungo, kangakanani ukwaba nakho nabangani kanye nomndeni futhi isazoqhubeka zingenzeki wedwa.

Loluhlelo ukukhiqizwa

Capital izindleko ukuthengwa imishini yephrojekthi

Uhlobo imishini	Intengo, rbl.	Inombolo amayunithi.	Izindleko, deda.	Inani ngaphandle i-VAT, rbl.
1. Ikhishi
umshini Coffee	18720	2	37440,00	31200,00
efrijini	43680	1	43680,00	36400,00
setha izitsha	1800	5	9000,00	7500,00
iketela	800	2	1600,00
2. Hall
Hlukanisa	18000	2	36000,00	30,000.00
ibha counter	20000	1	20,000.00	16666,67
ithebula	3600	8	28800,00	24000,00
ekhoneni usofa	3200	4	12800,00	10666,67
esihlalweni	200	20	4000,00	3333,33
umculo uhlelo	23000	1	23000,00	19166,67
wokudlala	12000	1	12000,00	10,000.00
3. Imali
yemali	6000	1	6,000.00	5000,00
ikhompyutha	12400	1	12400,00	10333,33
Ubude:			246720

Inani lonyaka yezindleko elungisa, ukugcinwa of imishini - 2% yezindleko imishini.

Uhlu imishini edingekayo uyahluka izinhlobo ezahlukene amabhizinisi yokudlela ibhizinisi. Ngakho-ke, isibonelo, uhlelo ibhizinisi okwesikhathi ukudla okusheshayo yokudlela, udinga ukubala izindleko uhlu ohluke ngokuphelele kwezimali ezimpahleni ezingasuki phansi.

Ukubalwa inani kanye nesakhiwo utshalomali kokuqala ngaphansi project utshalomali
WN / n	izinhlobo izindleko	Cond. Symbol.	Ubude, izinkulungwane. Deda.	Sp. wt.%	Inani ngaphandle i-VAT, THS. Hlikihla.
1	Ubude capital investment	hf	290,72	71,76%	242,27
	kufaka ngenxa:
	loan	ZKOF	290,72	71,76%	242,27
	izimali siqu	SKOF
2	Ukutshalwa kwezimali Equi-e-ak wena		114,40	28,24%	95,34
	kufaka ngenxa:
	loan	ZKOA
	izimali siqu	SKOA	114,40	28,24%	95,34
3	Inani inani lotshalo mali yangempela		405,12	100.00%	337,60
	kuhl ngenxa ..:
	loan	ZK	290,72	71,76%	242,27
	izimali siqu	Umshwalense	114,40	28,24%	95,34

Ukusebenzisa iphrojekthi ngokohlaka olulandelayo:

Kusisa - ruble ayizigidi 290,72 ..

Ukutshalwa kwezimali kokusebenza - ruble ayizigidi 114,40 ..

Isamba okudingeka ukuba etshaliwe - ruble ayizigidi 405,12 ..

Ukutshalwa kwemali kuzokwenziwa ngezithukuthuku credit imithombo, utshalomali izimpahla zamanje - ngezindleko zabo.

umthamo ukukhiqizwa

On imishini ekhona, inkampani abone ngosuku:

ivolumu yokuthengisa
igama	Ivolumu Umq. / Day (servings.)	Ivolumu akukho. / Year (ukukhonza.)
Espresso "The Reader"	43.2	15768
Americano «Avangard»	57,6	21024
Mokkachino "Haruki"	28,8	10512
Espresso Macchiato "Ngaseningizimu Border"	43.2	15768
Vanilla Latte "Poslemrak"	14.4	5256
Latte "Izinkuni Norwegian"	28,8	10512
Ubude:	216	78840

izindleko Distribution (e ayizinkulungwane. Hlikihla.)
inkomba	unyaka ongu-1	ngonyaka 2	ngonyaka 3	ngonyaka 4	ngonyaka 5
1. Izindleko Material	2173,88	2173,88	2173,88	2173,88	2173,88
2. Rents	180,00	180,00	180,00	180,00	180,00
3. Imiholo kwabasebenzi isihluthulelo + UST	527,64	527,64	527,64	527,64	527,64
4. Imiholo ye ezizohlala UST +	70,43	70,43	70,43	70,43	70,43
5. Imiholo kwabasebenzi nezokuphatha UST +	305,36	305,36	305,36	305,36	305,36
6. Izindleko ukulungisa	3.96	3.96	3.96	3.96	3.96
7. Ukukhangisa Izindleko	12,00	2.00	2.00	2.00	2.00
Ubude izindleko yokusebenza	3273,27	3263,27	3263,27	3263,27	3263,27
amortization	62,66	45,44	32,96	23,91	17,34
Ubude izindleko ukwelashwa	3335,93	3308,72	3296,23	3287,18	3280,61

Article kwakungenxa efanayo amabhizinisi yokudlela ibhizinisi, kungakhathaliseki izici kanye nemisebenzi ehlukahlukeneko. Ukuhlela izindleko izinto ezifanayo zingasetshenziswa ukubala kwebhizinisi plan ye cafe yezingane.

Ukwehla kwentengo ibalwa inkampani ngokunciphisa inani asalile

Kubalwa izindleko ezimpahleni ezingasuki phansi eminyakeni, ikhumbula ukwehla
inkomba	unyaka ongu-1	ngonyaka 2	ngonyaka 3	ngonyaka 4	ngonyaka 5
St-Th, izitshalo kanye nempahla ekuqaleni konyaka, rbl.	228,10	165,44	120,00	87,04	63,13
amortization	62,66	45,44	32,96	23,91	17,34
St-Th, izitshalo kanye nempahla ekupheleni konyaka, rbl.	165,44	120,00	87,04	63,13	45,79

uhlelo yenhlangano

ukuphathwa kwenkampani athweswe uMqondisi, ngubani kanyekanye enze imisebenzi ye-accountant, ngenxa yokuthi ikampani isakhasa, iyakunqanda lokuqala ukuba ongeyona inyama, akukho izimali kanye nesidingo ukubandakanya abasebenzi ezimali.

Njengoba Umqondisi ikhanda umuntu enomthwalo wezimali omele izithakazelo yenkampani izimo, udonsa i-akhawunti yasebhange, bahlelekela izinkontileka kanye namanye amadokhumenti, ama-oda elikhiphe, ilawula ukwamukelwa nokuxoshwa kwabasebenzi, ukusetshenziswa nezibonelelo noma izinhlawulo.

Njengomgcini wamabhuku ezimali, umqondisi obhekene ngokuziphatha imisebenzi reception, ukubhaliswa, ukusatshalaliswa futhi isitoreji yemali. Wabuye igcina amarekhodi ezimali, ihlola ukunemba ulwazi wathola, iqondisa ukuhambisana kube nesisekelo esingokomthetho sokuthethelela bachitha imithombo. Imfundo ephakeme, ulwazi ezimali inkampani kwebhizinisi yokudlela.

Isibalo sabasebenzi ukukhiqizwa kuyoba ngokohlelo lweSitatimende zibheke sokusebenza. ukushaja uhlelo inkokhelo kusekelwe amaholo, izibonelelo kanye amabhonasi kuxhomeke ukukhiqizwa langempela kanye nokufinyelela emiphumeleni. Lapho ufika imiphumela uhlelo lokukhokha zingashintsha futhi ube isakhiwo sabo amaphesenti kusuka ukudayiswa iziphuzo. Ibala inani le- kwenziwa ngoba kucatshangwa ukuthi esitolo ikhofi uzobe esisogwini azungeze eduze isikhungo, noma uma indawo yebhizinisi kudinga ukugeleza esikhulu samakhasimende, inani lezisebenzi ezidingekayo ukuze sandise. Ngokwesibonelo, uma uhlela ukuqala ibhizinisi uhlelo coffee shop (isibonelo izibalo) isikhungo umsebenzi endleleni.

WN / n	ihhovisi	Inani labantu	Salary / mo., Rbl.	Shoot / ngenyanga tariff, ruble.	iholo engeziwe for indondo ngenyanga		Payroll ngenyanga, deda.	Payroll yonyaka, THS. Hlikihla.	A umnikelo owodwa nomphakathi
					coeff.	lemali, RUR.
1	ukuphathwa kwabasebenzi
	umqondisi -buhgalter	1	15000	15000	0.295	4425	19425	233,1		72,2
2	abasebenzi Core:
	cashier	2	4000	8000	0.12	960	8960	107,5		33.3
	barista	2	6000	12000	0.295	3540	15540	186,5		57,8
	iventor-sijwayeleke	1	7000	7000	0.295	2065	9065	108,8		33,7
	abasebenzi Ukusekela:
3	yokuhlanza owesifazane	1	4000	4000	0.12	480	4480	53,76		16.7

Operating ikhofi Imodi: kusukela ngo 10:00 kuya 22:00. Daily.

uhlelo lwezimali

Lwezezimali Iqhinga Lebhizinisi Cafe (isibonelo ukulinganisa) wenza sikwazi ukuhlola ikhono iphrojekthi ukunikeza imali ageleza eyanele ukusevisa udumo lemali okusekelwe ngezimali payback isikhathi. Ithemu ekubalweni uhlelo lwebhizinisi - iminyaka 5.

Zonke ezimpahleni ezingasuki phansi, inkampani uhlela ukuthenga ngezithukuthuku credit imithombo. Ibhange inikeza ebolekiswe ku-18% ngonyaka. Kusolwa ukuthi usomabhizinisi ihlele ukuvula cafe ngeqanda. Uhlelo lwebhizinisi yakhelwe ukuze azikho Amasheya Nama imiphumela zezimali imisebenzi esidlule.

Ukubalwa isithakazelo izinkokhelo ku yemali ebolekwayo:

izinkomba	esewonke
Inani izindleko akhokhe inzalo ebhange loan	39,47	19,79	6.00	65,27
Inani enkokhelweni loan	290,72
ngonyaka 1st	87,22
ngonyaka 2nd	87,22
ngonyaka 3rd	116,29
Inombolo izinkokhelo ngonyaka	12
Bank senzalo ngonyaka	18%
Bank senzalo ngenyanga	0.015
Izinga lokwehla kwamandla emali e-coeff ngenyanga.	2.25%

Inani ngokweqile ukusetshenziswa wesikweletu nomnotho ayizinkulungwane 65,27. Hlikihla.

Inhlangano yekhofi - ibhizinisi zatratoomky. Ingxenye izindleko okuguquguqukayo intengo kwezimpahla ngaphandle i-VAT - 80%. Ikhumbula izimali kuhlelwe, singasho ukuthi ibhizinisi kuyodingeka stock enkulu nokusimama kwezomnotho, njengoba kugqekezwa ngisho iphuzu kuyinto kakhulu. Uma ikhasimende noma umtshali wemali uyobe onganelisekile labo izibalo, okuyinto ethulwa nokuqhuba ibhizinisi, kungashiwo esekelwe Ngokwesibonelo neziqondiso ukwenza umsebenzi onjalo bebodwa, ukujwayeza yona ngokoqobo olungokoqobo, ngokwesibonelo, ukubala kwebhizinisi plan ye cafe komgwaqo. Isibonelo izibalo kumane orientation.

Leli yokuthengisa izimali:

Izimali ezivela yokuthengisa imikhiqizo (deda.)
inkomba	1	2	3	4	5
Espresso "The Reader"	630720	630720	630720	630720	630720
Americano «Avangard»	1051200	1051200	1051200	1051200	1051200
Mokkachino "Haruki"	630720	630720	630720	630720	630720
Espresso Macchiato "Ngaseningizimu Border"	867240	867240	867240	867240	867240
Vanilla Latte "Poslemrak"	315360	315360	315360	315360	315360
Latte "Izinkuni Norwegian"	578160	578160	578160	578160	578160
Ubude:	4073400	4073400	4073400	4073400	4073400

Ibhizinisi-uhlelo ikhefi nge izibalo wabikezela inzuzo kulo msebenzi utshalomali ikhombisa yi imingcele elandelayo:

izinkomba	ngonyaka 1st	ngonyaka 2nd	ngonyaka 3rd	ngonyaka 4th	ngonyaka 5th
1. Imali etholakala yokuthengisa	4073,4	4073,4	4073,4	4073,4	4073,4
2. I-VAT	678,9	678,9	678,9	678,9	678,9
3. Gross izindleko	3375,4	3328,5	3302,2	3287,2	3280,6
kufaka
amortization	62,66	45,44	32,96	23,91	17,34
Inzuzo ngaphambi kwentela	19.1	66,0	92,3	107,3	113,9
Tax on inzuzo	3.8	13.2	18.5	21.5	22.8
Inzuzo net inani lesikhathi esizayo	15.3	52,8	73.8	85,9	91,1
Isaphulelo Coefficient	.7874	.6200	.4882	.3844	.3027
inzuzo Net (Inani lamanje)	12,03	32,73	36,03	33,00	27,58
Ukungena kwemali (inani lesikhathi esizayo)	77,94	98,24	106,77	109,76	108,45

Ukubala we ehlisiwe kwemali kanye payback

iminyaka	U rev.	DP iveze imiqumbe. Cm-Th	DP iveze imiqumbe. Cm-Th Accum.	Odds. dis-mina	DP Pres. Cm-Th	DP Pres. Cm-Th Accum.	isofthiwe
0	ayizinkulungwane. ukukuthinta.	-405,1		1	-405,1
1	ayizinkulungwane. ukukuthinta.	77,94	-327,2	.7874	61,4	-343,8	7,60
2	ayizinkulungwane. ukukuthinta.	98,24	-228,9	.6200	60,9	-282,8
3	ayizinkulungwane. ukukuthinta.	106,77	-122,2	.4882	52,1	-230,7
4	ayizinkulungwane. ukukuthinta.	109,76	-12,4	.3844	42,2	-188,5
5	ayizinkulungwane. ukukuthinta.	108,45	96,0	.3027	32,8	-155,7

Ukubalwa kwesikhathi payback, uthi kucatshangelwa discounting iphrojekthi kuyovuzwa ezingu-7 iminyaka nezinyanga 7. Inkathi, enikeza uhlelo cafe ibhizinisi (isampula izibalo) idlula ibalwa kanye kakhulu isikhathi esiningi amabhizinisi yokudlela ibhizinisi, kodwa kufanele acabangele yokuthi inzuzo akuyona injongo eyinhloko ukudalwa ibhizinisi, umgomo oyinhloko - ukukhulisa imfundo kwamasiko kubantu abasha kanye nokuthuthukiswa yobuciko wesimanje.