Kutenda kuGlobal Inforination, maitiro ekutsinhana kwedata pakati pemakambani emari ave achinyatsokurumidza. Uye kubuda kwechimiro chakadai seBki kwakaita kuti zviwedzere kuwedzera kugona kwekukweretesa. Kubatana kwakazara kwevatengi nemabhangi anokudzwa nhasi kunogoneka chete kana paine yakanaka bhizinesi mukurumbira webhizinesi. Iko kushomeka kwenhoroondo yechikwereti hachisi chiratidzo chemucherechedzo wekukwereta, uye Chivabvu, pane zvinopesana, shanda sechikonzero chekuramba mari. Maitiro Ekugadzirisa mamiriro acho ezvinhu?
Sarudzo Nhamba 1: "MFO Rubatsiro"
Iyi nzira inokodzera avo vanokwereta vakagadzirira kushandira pamwe naMfis. Masangano akadaro anogamuchira zvikumbiro zvekukwereta zvese pamhepo uye mumahofisi avo. Kugadziriswa kure nhasi kunonyanya kufarirwa nekuti kunobvumira mashandiro ese pasina kusiya imba. Mamiriro ekutanga ekutengeserana kwakabudirira ndiko kuwanikwa kweInternet.Urwu rudzi rwemari rwakanaka nekuti:
- Izvo hazvitore zvinopfuura awa;
- Uchishandisa masevhisi eMfis anogona kushandiswa kubva kune chero mudunhu renyika;
- Kukweretesa mamiriro akarerutswa zvakanyanya sezvinobvira (hapana chinodiwa kubva kune anokwereta, kunze kwepasipoti);
- Mari inogona kuverengerwa chikumbiro chemutengi pane kadhi, chikwama chemagetsi, kana chinotumirwa imwe yemasisitimu ekushandura masisitimu (zvichienderana nesarudzo dzekuti iyo yakasarudzwa kambani inopa);
- Kunyangwe vatengi vasina chero mari isingaperi vanogona kutora mukana wezvikwereti zvepamhepo, kana kuti hapana mukana wekusimbisa mari muCertification kubva kune accounting.
Zvakakosha: Kuti aumbe nhoroondo yeChikwereti, inodikanwa kuti utaure nesarudzo yechikwereti chemhepo zvakanyanya sezvinobvira. Iyo central bank inosungira masangano ese eMicrofinance inosanganisirwa muRegistry, tumira ruzivo kuBKA. Kana iyo kambani yaunosarudza isiri mune yakatarwa rondedzero, zviri nani kuramba kutengeserana.
Sarudzo Nhamba yechipiri: "Capital Card Card Limit"
Izvo ndezve nzira yakadaro yemari, sebhangi mabhangi. Rudzi urwu rwekukweretesa rwakaenzana nezviyero zvakajairika, nekuti ruzivo nezvekutengeserana kwakadaro kunoratidzwa muBKO Report.
Makadhi echikwereti anowanikwa kune anenge munhu wese. Kuti uwane mari, iye anokwereta anofanirwa kutevedzera mamwe ezera maitiro. Pane mukana wekuti hausi kushanda sekadhi repurasitiki mubhangi rakakura kubva panguva yekutanga. Mune ino kesi, zvine musoro kuonana nesangano diki. Kuti ureraure maitiro esarudzo, nyanzvi dzakasarudza makadhi ekurapa akanakisa kwauri uye akavapinza mudhairekitori yakakosha.
Pakati pezvakanakira rudzi urwu rwekukweretesa:
- kuvapo kwenyasha nguva;
- kodzero yekushandisa chikamu chete chemari;
- Iko kugona kwekuchengetedza, nekuda kwekufarira kwakakosha.
Kunyanya kuitika, huwandu hwekutanga huchave hushoma. Nekudaro, kana iwe ukashandisa "kiredhiti kadhi" nguva dzose, uye chikwereti chinodzima nguva, bhangi rinowedzera muganho. Kukwikwidza kwakarongeka kune zviwanikwa zvekambani kuchakubvumidza kuti ugone kuumba nhoroondo yeKwereti.
Sarudzo Nhamba 3: "Mabhangi ane hushamwari"
Kana iwe usingakwanise kuverenga nekufarirwa kwekufarirwa nemakambani makuru echikwereti, iwe unogona kuedza kuita chikwereti mubhangi risingazivikanwe. Masangano akadaro anoshingairira kushandira kuwedzera chigadziko chemutengi, uye nekuda kwekuvimbika kutarisa nguva zhinji. Iko kushomeka kwenhoroondo yechikwereti ndechimwe chazvo. Kunyanya kuitika, huwandu hwakabvumidzwa huchave hushoma, asi gare gare, kana kudzorera kuchaitika pasina kuwanda, mutengi anotarisira kusarudzika kwemari yemari uye muganho wakakurisa.Sarudzo Nhamba 4: "Kupokana Kunobatsira Kutenga"
Imwe nzira inoshanda yekuumba nhoroondo yekwereti ndeyekugadzira zvikwereti zvekutenga zvinhu muzvitoro, i.e. zvikwereti zvemidziyo. Iyi ndiyo sarudzo yakapusa uye inokurumidza kuwana iyo inodiwa mari. Zvibvumirano zvinopedzwa nevashandi vemabhangi akakurumbira munzvimbo dzekutengesa. Nguva dzekutanga dzekutengeserana kwakadaro, semutemo, usapfuure mwedzi gumi nemaviri.
Iko kukwezva kwakanyanya kwezvikwereti zvemidziyo ndezvekuti kuzadzisa mhedzisiro yaunoda, zvakaringana kutenga chimwe chinhu chisina kudhura zvakanyanya. Chinhu chikuru ndechekuti kubhadhara kunoitwa nenzira yakakodzera uye izere.
Sarudzo Nhamba 5: "Yakapihwa Kutengeserana"
Mabhangi anokoshesa vatengi vasina hanya nekusimbisa vavariro yavo yakakura nezvakaitika. Uye kana iwe ukagadzirira kupa rubatso zvinhu zvakakosha, zvinogona kukanganisa zvakanyanya sarudzo yekambani kiredhiti. Mota dzinonyanya kutorwa sezvinobvira. Zvinhu zvivakwa zvezvivakwa zvakavhenekerwa zvishoma, sezvo paine zvinodikanwa zvakanaka zvekuongorora kwavo.
Uye pakupedzisira : Usa "bvunzo" zvese zviri pamusoro sarudzo panguva imwe chete. Imwe neimwe nyaya yekukwidza nyaya kune iyo kiredhiti kiredhiti yakanyorwa muBka mushumo, uye zviito zvako zvinogona kusatungamira kumhedzisiro yaunotarisira.