Nenzuzo Inkomba utshalomali

Ngoba wonke umuntu sina onomusa ozifunela inzuzo kakhulu ukutshala izimali zabo noma ikhasimende, inqubo ezinkulu zezimali ukuba uthole ukuthi iyini yizinkomba zezomnotho ebaluleke kakhulu investimenti phrojekthi. Omunye wabo izindleko net yephrojekthi. Okunqumayo ezicini eziningana, kuhlanganise umthamo zokukhiqiza kanye yokuthengisa ezithile Braga, kanye nenani le-investimenti. Ngakho-ke, ukusebenza kahle utshalomali is hhayi njalo sihambisana net kwempahla value, futhi ukubala ukuthi ipharamitha main wasebenzisa ezengeziwe ithuluzi zezimali okuthiwa isivuno Inkomba utshalomali. Ngalo izonqunywa eseduze engenayo utshalomali iphrojekthi ethile yemali etshaliwe kuwo. Income ngokweqile uma utshala imali kuyokwenziwa ngokushesha ehlisiwe kwemali, kodwa hhayi umholo ophelele.

Nenzuzo Inkomba, ebizwa nangokuthi i-Index nenzuzo kanye Inkomba inzuzo kuyinto inkomba ebonisa kahle utshalomali kwanoma iyiphi iphrojekthi ibhizinisi. nenzuzo Inkomba anda ilingane ratio ukubaluleka nokuphuma kwemali ukuze izindleko sokuqala le phrojekthi, ekuhlaseleni ukutshalwa okuhloswe ngazo ekwenzeni lokho okuhleliwe. Inkomba ubalwa kusetshenziswa ifomula: ID = NA / I. HC - kuyinto inzuzo yangempela labo notshwala imali, futhi - lena isamba sazo zonke izimali, okuyinto yenzelwa ukugcwaliseka iphrojekthi. Endabeni utshalomali olwenziwe ngaphambilini, izindleko futhi inciphise kule.

Uma ukubaluleka isivuno Inkomba esilingana noma esingaphansi, kusho ukuthi iphrojekthi akunakunisiza. Kuleso simo basuke sinqatshiwe ngoba abakwazi ukuletha zimali i imali eyengeziwe. Ngokuvamile waqaphela yilabo kuphela Inkomba mkhulu kwelilodwa kabani nenzuzo. Uma Inkomba lingana kuze fike ke iphrojekthi ubhekwa ikhefu-ngisho.

Nenzuzo index - kuyinto inkomba isihlobo ukuthi inquma lizinga engenayo per unit izindleko. I emikhulu ukubaluleka, ayanda nembuyiselo ekutshaleni imali. Yingakho lapho ekhetha eziningana imiklamo okunye inzuzo Inkomba isetshenziswa.

izinhlobo ezimbili ukubuya Inkomba isetshenziswa izibalo ezivamile wezimali:

• Inkomba nenzuzo yokutjala (isilinganiso elehlisiwe isamba sazo ehlisiwe nokuphuma kwemali);
• isivuno izindleko Inkomba (ratio ukuba isamba izindleko inzuzo) Kulolu hlu, kanye elisetshenziselwa ziyamaniswa nokungangeni ukubala enikeziwe yiziphethu kwezomnotho ingase.

Kukhona Inkomba inzuzo ehlisiwe ukutshalwa kwezimali, ngayo nefunda ngayo axazulula izinkinga ezaziba khona uma isilinganiso sangaphakathi senzuzo. It ikuvumela ukuba akushaye indiva emihle noma emibi nokuphuma kwemali e ukubikezela engu-. Njengoba ekuhlaziyweni ithuluzi ehlisiwe isivuno Inkomba underutilized. Lokhu zingachazwa ngezinqubo yokuthi iningi labantu ebambe isikhundla sokuphatha, uma bazi ukuthi kukhona Inkomba ehlisiwe, abakwazi ukukwenza.

Ngoba isilinganiso sangaphakathi senzuzo ukuzethemba score amaphesenti amane. Lokhu kusikisela ukuthi iphrojekthi muhle kakhulu, kodwa ngezinye izindaba ukuthi Inkomba ehlisiwe inzuzo yephrojekthi kuyinto 1.10, okungaziwa kungaba ukuhunyushwa kwalesi Empeleni. Kusukela Inkomba inzuzo kuchazwa nokuphuma kwemali, noma iliphi inani lokhu isilinganiso, naphezu kweqiniso lokuthi lidlula 1.0, kubhekwa ezamukelekayo nombono kwezomnotho.

Ngakho, kufanele kuphawulwe ukuthi ukwanda engenayo zimali 'kungenziwa kakhulu ngokunembile ibalwa ngokusebenzisa amathuluzi kwezomnotho oshiwo ngenhla.