Imali yokusebenza iwukucatshangelwa okubalulekile kwamabhizinisi anoma yiluphi uhlobo. Yilokho okubavumela ukuthi baqhubeke, bakhulise, futhi bakhulise imisebenzi yabo.
Nakuba amabhizinisi e-e-commerce angasebenza ngemali ephansi kakhulu, imali yokusebenza ibalulekile ekugcineni la mabhizinisi ephokophela phambili.
Lesi sihloko sizoxoxa ngezisekelo ze-e-commerce working capital yamabhizinisi, okuhlanganisa ukuthi iyini imali yokusebenza nokuthi kungani ibalulekile. Futhi, izohlanganisa ukuthi siyini isilinganiso semali esebenzayo nokuthi singabalwa kanjani.
Okuqukethwe
Iyini imali yokusebenza?
Ukubaluleka kwezimali zokusebenza zamabhizinisi e-e-commerce
Iyini isilinganiso semali esebenzayo?
Indlela yokubala isilinganiso semali esebenzayo
Ukuhunyushwa kwesilinganiso semali esebenzayo
Izindlela zokuthuthukisa imali yokusebenza kwe-E-commerce
Imicabango yokugcina
Iyini imali yokusebenza?
Inhloko yokusebenza yimali amabhizinisi akwazi ukufinyelela kuyo yokukhokha izikweletu, ukuphatha imisebenzi, kanye nokutshala imali ekukhuleni. Ingabalwa ngokukhipha izikweletu zamanje ezimpahleni zamanje.
Imali yokusebenza ingabandakanya leyo ewuketshezi kanye naleyo engenziwa kalula ukukhokha izikweletu nezinye izindleko.
Ukuqala kwe-E-commerce kungathola imali yokusebenza ngemali mboleko yebhizinisi, imigqa yezikweletu, noma abatshalizimali.
Ukubaluleka kwezimali zokusebenza zamabhizinisi e-e-commerce
Imali yokusebenza ibalulekile emabhizinisini e-e-commerce ngoba iwavumela ukuthi agcine imisebenzi yawo yamanje futhi atshale ekukhuleni okuzayo.
Isisho esithi "kudinga imali ukwenza imali" sifingqa ngokunembile inani lemali yokusebenza. Isibonelo, uma ungenayo imali yokuthenga imikhiqizo ukuze ugcine uhlu lwakho lwempahla, akunakwenzeka ukuthengisa noma yini ukuze ukhiqize ukuhamba kwemali.
Ngaphandle kwemali yokusebenza, kunzima kumabhizinisi e-e-commerce ukukhokhela imisebenzi yawo yansuku zonke noma aqhubekisele phambili amabhizinisi awo.
Iyini isilinganiso semali esebenzayo?
The isilinganiso semali esebenzayo ibonisa isilinganiso phakathi kokuthengiswa kwensalela nemali yokusebenza. Ngokuyisisekelo, lokhu kulinganisa ukuthi wenza malini ekuthengisweni okuhlobene nemali onayo yokuxhasa ukusebenza kwebhizinisi lakho.
Isibonelo, uma wenza u-$5 ngedola ngalinye lemali oyisebenzisayo, isilinganiso sakho semali esebenzayo singu-5 kuya ku-1, noma simane si-5.
Indlela yokubala isilinganiso semali esebenzayo
Kulula ukubala isilinganiso semali esebenzayo. Okufanele ukwenze nje ukuxhuma izinombolo kufomula elandelayo:
isilinganiso semali esebenzayo = ukuthengiswa kwensalela / (impahla isiyonke - izikweletu eziphelele)
Izimpahla zihlanganisa ukheshi, okulingana nemali, ama-akhawunti atholwayo, nempahla, futhi izikweletu zifaka isikweletu nama-akhawunti akhokhelwayo.
Ake sithi ibhizinisi le-e-commerce linokuthengiswa okuphelele kuka-$1,000,000, u-$750,000 wesamba sempahla, kanye no-$250,000 ezikweletini. Ifomula izobukeka kanje:
isilinganiso semali esebenzayo = 1,000,000 / (750,000 - 250,000)
Uma uxhuma lokho kusibali sakho, uzothola isilinganiso semali esebenzayo engu-1,000,000/500,000, esenza kube lula ku-2.
Ukuhunyushwa kwesilinganiso semali esebenzayo
Isilinganiso esiphezulu semali esebenza ngaso sonke isikhathi sibonisa ukuthi ibhizinisi lisebenzisa ukheshi ngokuphumelelayo ukuze likhulise ibhizinisi lalo, futhi isilinganiso esiphansi senzuzo yemali esebenzayo sibonisa ukuthi ibhizinisi linendawo yokuthuthukisa.
Isilinganiso semali esebenzayo esingu-1 singabonisa ukuthi ibhizinisi liyaphuka ngisho nangokutshalwa kwezimali kwemali yalo yokusebenza. Isilinganiso semali esebenzayo esikhulu kuno-1 siyinkomba yokusebenzisa kahle kakhulu idola ngalinye, futhi isilinganiso esingaphansi kuka-1 sibonisa ukusetshenziswa okungenampumelelo kwedola ngalinye.
Amabhizinisi angahlola ukusebenza kahle kwenani lemali esebenzayo ngokuyiqhathanisa namanye embonini yawo. Lokhu kunikeza uhlaka lwereferensi namabhizinisi anamamodeli ebhizinisi afanayo.
Izindlela zokuthuthukisa imali yokusebenza kwe-E-commerce
Ukuthuthukisa imali yabo yokusebenza kunikeza abathengisi be-e-commerce ukuguquguquka ukwenza ukutshalwa kwezimali okungcono emabhizinisini abo. Ngemali eningi yokusebenza, amabhizinisi angathatha ubungozi obudingekayo ekukhuleni nasekukhuliseni.
Nayi amasu ambalwa ongayisebenzisa ukuthuthukisa imali yakho yokusebenza.
Lungiselela imijikelezo yokusebenza
Uma unenkinga yokuhamba kwemali, ukufinyeza imijikelezo yakho yokusebenza kungaba yisixazululo. Amabhizinisi angakwenza lokhu ngokwenza umfutho oqinile ekuthengisweni ukuze aqinisekise ukuthi i-inventory ithengiswa ngesikhathi.
Kwesinye isikhathi, abathengisi be-e-commerce basingatha ukuthengisa kwangaphambili ukuze baqiniseke ukuthi i-inventory yabo izothengisa. Futhi, ngokukhokhisa ngaphambili, umthengisi unemali emaphaketheni akhe maduze nje.
Enye indlela yokuthuthukisa imijikelezo yokusebenza ukuthola amasu kakhudlwana lapho uthenga i-inventory ngokunaka kakhulu amathuluzi okubikezela okufunwayo.
Izimali zezimpahla ezingashintshi ngokuhlakanipha
Iphutha elilodwa elikhulu elenziwa amabhizinisi e-e-commerce ukuxhasa ngezimali izimpahla ezingaguquki ngemali yokusebenza. Njengoba izimpahla ezinkulu ezingashintshi, njengezindlu ezithengiswayo, okokusebenza, imishini, nezimoto, kuvame ukumba eqolo, zingadla imali yakho yokusebenza ngokushesha.
Cabangela izinketho zezimali zesikhathi eside ukuze ukhokhele lezi zimali. Lokhu kuzosiza ukugcina imali eningi yokusebenza mahhala ukuze uyisebenzise.
Susa izindleko ezingadingekile
Enye indlela yokwandisa imali yakho yokusebenza ukunciphisa izindleko zakho. Lokhu ungakwenza ngokunciphisa izindleko ezingadingekile. Buyekeza izindleko zakho ukuze ubone ukuthi kukhona yini ibhizinisi lakho elikukhokhelayo okungasasebenzi ekusebenzeni kwakho.
Isibonelo, uma kukhona okubhaliselwe otshale kukho iqembu lakho elingasakusebenzisi, kukhansele. Futhi, bheka noma yiziphi izimo lapho okungenzeka ukuthi ukhokhiswe kakhulu umkhiqizo noma isevisi.
Ungakwazi futhi ukunciphisa izindleko ezingadingekile ngokususa isikweletu esibi. Uma kunesikweletu esingahlanganiswa noma siqedwe, kwenze.
Sebenzisa imigqa yebhizinisi yekhredithi
Imigqa yebhizinisi yezikweletu ingasebenza njengesisetshenziswa esibalulekile samabhizinisi e-e-commerce adinga ukufinyelela emalini yokusebenza eyengeziwe.
Uma ungayazi, umugqa wesikweletu uyisamba semali ongayiboleka kumabolekisi phakathi nesikhathi esimisiwe. Ihlukile kunemalimboleko ngoba ukhokha inzalo kuphela kulokho okusebenzisayo.
Isibonelo, uma uthola umugqa webhizinisi wekhredithi ngo-$100,000 iminyaka engu-10, ungakwazi ukuboleka kuze kufike kulelo nani ngesikhathi. Uma ukhokha ibhalansi yakho, ungakwazi ukuboleka emugqeni wesikweletu futhi.
Ukusesha okusheshayo "kwemigqa yebhizinisi yekhredithi" kuzoletha imiphumela kumabhange nababolekisi abaseduze nawe. Kungumqondo omuhle ukuthenga yonke indawo ukuze uthole imigomo nezintshisekelo ezingcono kakhulu zezidingo zakho ezithile. Kuyaphawuleka ukuthi inzalo kulolu hlobo loxhaso ingabiza noma yikuphi phakathi kuka-2% no-30%.
Imicabango yokugcina
Abanikazi bebhizinisi le-E-commerce kanye nabaqhubi badinga ukuqonda ukungena nokuphuma kwemali yokusebenza. Lolu lwazi lubanika amandla okwenza izinqumo ezingcono zamabhizinisi abo futhi lubaqondise ekuthuthukisweni kwezimali ezinkulu zokusebenza kwe-e-commerce.
Hlola I-Cooig.com Business Blog ukuze ufunde kabanzi mayelana nokuqala nokukhulisa ibhizinisi lakho le-e-commerce.
