"Mari yezvemari inogona kutyisidzira zvikuru mabhizinesi maduku," anodaro Raman Chadha, mukuru mukuru we Coleman Entrepreneurship Center paDePaul University.
"Izvo zvandinowana izvo vadzimai vemazana emabhizimisi vasingazivi nzira yekutarisa nhamba."
Bhizinesi rebhizimisi rehutatimende rezvemari richafukidza zvinhu zvitatu zvakasiyana-siyana: mutemo wemari, bhadharo uye mari yekubuda kwemari, imwe neimwe ine zvinyorwa zvakawanda. Izvi zvinotevera ruzivo rwekugadzira mari yezvigadzirwa zvebhizimisi uye hazvifanirwi kuva nhoroondo yakazara yehuwandu hwemari huchadikanwa.
The Statement Statement
Imwe nyanzvi yekuwana mari inoratidza kuti mari yakawanda kana kurasika iwe unotarisira kuva negore. Kune mabhizimisi matsva, zvinyorwa zvekuwana mari inofanira kuputsika pasi pamwedzi kana kwekota. Bhizimisi ravo rechipiri kusvika kunechishanu rekushanda rinofanira kuva nemitemo yegore roga roga kana gore rezvemari, iyo Small Business Administration inopa zano.
Dare rekuwana mari rinosanganisira:
- Revenue: "Kukura kwemari nguva dzose kunotora nguva yakareba kudarika iwe unotarisira," Taura zvinonyevera. "Wakachenjera kuve wakanyatsochengetedza" mumaonero ako, anodaro.
- Mariro: Inosanganisira kushandiswa kwezvinoshandiswa zvakadai sekubhadharwa kwezvinhu, zvikwereti uye mihomwe; kubhadhara chikwereti, kusanganisira kufarira; uye mari yevanopa mazano, kusanganisira vyemhosva nemabhengi.
- Mari Yezvinhu Zvakatengeswa: Mari yekutengeserana, kugadzira nekuunza chigadzirwa chako kumusika. Bhizimisi rebasa kazhinji harifaniri izvi.
- Mutengo Wakawanda: Kutengesa kwako kunodhura zvose zvinokonzerwa zvakananga neyekutengesa.
- Mutoro Unobatsira: Kambani yekambani yako mushure mokuderedza mari yako yekushanda kubva pfuma yakawanda.
Nharo Yese: Inoratidzirwa nokubvisa mari yekambani yako kubva pamari yose.
Nheyo Dzepamberi Mitero: Mari yehupfumi yakabhadharwa musati mitero inotorwa.
Nheyo DzeMitero Mushure Mokubhadhara Mutero
The Balance Sheet
Bhizinesi peji rinopa mufananidzo wegore negore webhizimisi rako rezvemari. Nhamba yacho inowanzoburwa kwezuva rimwe chete. Kana iwe usati washanda bhizinesi, American Express inokurudzira kuti iwe uite bhizimusi pepa kubva pfuma yako nemari yako.
Bhokisi re balance rinosanganisira:
- Nhaka Dzose: Inosanganisira mari, inoshandiswa, mabhizimusi anogamuchirwa sekwereti uye zvimwe zvikwereti zvinokweretwa nekambani, uye zvigadziriswa. Fixed assets inosanganisira mishonga, pfuma uye zvakanaka. Izvo zvinhu zvisingagoni kukurumidza kuchinjwa kuva mari.
- Zvikwereti: Mhemberero dzenguva pfupi dzinosanganisira zvikwereti zviri kuuya zvakadai semishaja uye mubhadharo wakafanira, kubhadharwa kwekodhi, iyo inobhadhara chikwereti chebasa, nemitero inokweretwa. Zvikwereti zvemazuva mazhinji zvinosanganisira kubhadhara zvikwereti uye zvisungo zvinokonzerwa mushure memakore mashoma.
Equity: Investments uye akachengetwa mubayiro. Kuchengetedzwa kwemari, iyo inonziwo mari yakakodzera, kuenzanisa zvikwereti nekubvisa zvikwereti kubva kune zvinhu.
Cash Flow Projections
Kujekesa mari yekambani yekambani yako kunogona kuva basa rakaoma, asi iyo inonyanya kukosha kune avo vanogona kukweretesa vanoda ruzivo rwemari yakawanda yaunofanira kubhadhara zvikwereti. Kune nyanzvi dzakawanda, kukwira kwemari ndiko kuti rubber inosangana nemugwagwa maererano nekusarudza kana bhizinesi rine utano.
Mari inoyerera inoyerera inosanganisira:
- Cash Inflow: Izvi zvinoratidza mari yakawanda yaunotenda ichauya mubhizinesi rako. Inonyanya kugadziriswa kutengeserana kwako kwekutengesa uye zvikwereti zvinowanikwa, kana zvichibvira.
- Cash Outflow: Izvi ndizvo zvaunotarisirwa mari mari. Iva nechokwadi chekufungisisa chero kuwedzerwa kunotarisirwa mumari, sezvinoita mushandi anomutsa kana kukwereta kuwedzerwa.
Mari yako yekuyerera inofanirwa ichave yako cash flowflow yakabviswa kubva mumari yako inowanikwa.
Zvose izvi zvinyorwa zvakaoma zvikuru, saka funga kuhaya muridzi wenhoroondo kuti ubatsire mukusika mari yebhizimisi rako.
Yakarongedzwa naAlyssa Gregory.