Kutheni Iispredishithi Zisilela Amaziko eMicrofinance: Iindleko Ezifihliweyo

Uyalwazi umzuzu. Umboleki uyafowuna aze abuze intsalela yakhe engahlawulwanga, kwaye awunakuphendula ngaphandle kokuvula iifayile ezintathu, ukuskrola kwingxoxo ye-WhatsApp, nokufowunela igosa lesebe elirekhode intlawulo yokugqibela.

Emva kwemizuzu elishumi, unenani othembela kulo ngesiqingatha kuphela.

Leyo yindleko yokwenene yokuqhuba iziko lemali-mboleko encinci kwiispredishithi, kwaye akufane ibe yindleko nabani na ayicwangcisayo.

Isikhalazo esiqhelekileyo kukuba i-Excel ikhupha iimpazamo zefomyula, nto leyo eyinyani, kodwa ingxaki enzulu lixesha nokwahlukana kolwazi.

Xa idatha yakho yemali-mboleko ihlala kwiifayile ezahlukeneyo, ihlaziywa ngamaxesha ahlukeneyo ngabantu abahlukeneyo, ugqibela usenza izigqibo zanamhlanje ngomfanekiso weveki ephelileyo wencwadi yakho yemali-mboleko.

Kwi-MFI, loo msantsa ubaluleke ngokuphindwe kabini. Unoxanduva lwezorhwebo lokugcina ipothifoliyo isebenza, kunye noxanduva lwentlalo lokugcina amatyala egeleza ebantwini abangafane bancedwe licandelo lebhanki elisemthethweni.

Ukubandakanywa kwezemali akugcinwa ziinjongo ezintle. Kugcinwa ngababolekisi abazi kakuhle ukuba imali yabo iphi nangowuphi na umso.

Ukuba ukhetha ukuyibona kunokufunda ngayo, ungayingenisa incwadi yakho yemali-mboleko ye-Excel ekhoyo ku Lendbox kwaye ujonge imeko yakho yokwenene yepothifoliyo kwangolo suku lunye.

Indawo Apho i-Excel Iyeka Ukuba YiNkqubo Yemali-Mboleko

Iispredishithi aziphazamiseki ngokuvakalayo. Zihlala zivuleka, zihlala zibala, kwaye zihlala zikhangeleka njengenkqubo esebenzayo kudala emva kokuba zingaseyiyo.

Ukungaphumeleli kubonakala njengokungangqinelani okuncinci, iifayile eziphindiweyo, kunye nokuxhomekeka okukhulayo kwinkumbulo yomntu omnye.

Incwadi Enye Yemali-Mboleko, Iinguqulelo Ezininzi Kakhulu

Uninzi lwamaziko emali-mboleko encinci alunayo ispredishithi enye kuphela. Anayo ifayile engundoqo, ikopi yesebe, umkhondo wokuqokelela, kunye nenguqulelo umntu awayithumela nge-imeyile kwintlanganiso yebhodi kwiiveki ezintathu ezidlulileyo.

Nganye kwezo yayichanekile xa yayigcinwa. Akukho nanye kuzo echanekileyo ngoku.

Ingxaki iqala xa abantu ababini kufuneka bahlele ngaxeshanye. Omnye uyalinda, omnye usebenza ngaphandle kwe-intanethi, kwaye ukudityaniswa akwenzeki konke konke okanye kwenzeka kakubi.

Ugqibela unayo intlawulo erekhodiweyo kwenye ifayile kwaye ingekho kwenye, kwaye akukho ndlela icacileyo yokwazi ukuba yeyiphi echanekileyo.

Kutheni Iindlela Zokusebenza Zemboleko Zingangeni Kwiimiqolo Zespredishithi

Imboleko ayisiwo nje umqolo. Lulandelelwano lweziganeko: isicelo, ukuvavanywa, ukuvunywa, ukukhutshwa kwemali, ishedyuli, iintlawulo, mhlawumbi isohlwayo, mhlawumbi uhlenga-hlengiso, emva koko ukuvalwa.

Iispredishithi zigcina imeko yangoku. Azikwazi kakuhle ukugcina ulandelelwano, kwaye zimbi ngakumbi ekulunyanzeliseni.

Akukho nto kwi-Excel ethintela ukuba ukukhutshwa kwemali kurekhodwe phambi kokuvunywa. Akukho nto ithintela ukuba isohlwayo sixolelwe ngaphandle kwesizathu.

Akukho nto inyanzelisa ukuba intlawulo yabelwe inzala phambi kwemali eyintloko. Loo mithetho ihlala ezingqondweni zeqela lakho, nto leyo ethetha ukuba iyahluka ngomntu kwaye iyaguquka ngokuhamba kwexesha.

Iimpawu Ezilumkisayo Zokuba Iqela Lakho Likhule Ngaphaya Kweefayile Zezandla

Mhlawumbi sele uyigqithile loo ndawo ukuba ezimbini okanye ngaphezulu kwezi zivakala njengeqhelekileyo kuwe:

• Ukuvelisa uluhlu lwangoku lweentsalela ezingekahlawulwa kuthatha ngaphezu kweyure
• Ngumntu omnye kuphela onokuhlela ngokukhuselekileyo ifayile engundoqo
• Amagosa axela iintlawulo nge-WhatsApp kwaye umntu azichwetheze kamva
• Ukuvalwa kokuphela kwenyanga kuxhomekeke ekwakheni kwakhona amanani kunokuba kuwaphononongwe
• Amagosa amabini anokwaba intlawulo efanayo engaphelelanga ngeendlela ezahlukileyo
• I-backup yakho yokugqibela epheleleyo yayiyikopi egcinwe kwidesktop yelaptop

Indlela iiRekhodi zeZandla eziyonakalisa ngayo uLawulo lwePotfoliyo

Ulawulo lwepotfoliyo alusiyiyo nje into yokwenza iingxelo. Kukukwazi kwemihla ngemihla ukubona ukuba zeziphi iimali-mboleko ezisebenza kakuhle, eziphi ezityibilikayo, nokuba leliphi igosa okanye isebe elithwele umthwalo.

Iirekhodi zezandla ziyonakalisa zontathu, ubukhulu becala ngenxa yokungangqinelani nokulibaziseka kunokuba kube ziimpazamo ezinkulu.

Inzala, iZohlwayo kunye neeNtlawulo ezisetyenziswa ngokungangqinelani

Inzala ebalwa ngesandla ingqinelana kanye njengomntu oyibalayo ngaloo mini. Amagosa amabini asebenzisa imveliso yemali-mboleko efanayo aya kusebenzisa intlawulo engaphelelanga ngeendlela ezahlukileyo ngaphandle kokuba umthetho unyanzeliswa yinkqubo, hayi nje yincwadi yoqeqesho.

Izohlwayo zezona zichaphazeleka kakhulu. Zihlala zitsitywa xa umboleki ekhona kwaye enovelwano, zisetyenziswa xa ifayile ijongwa kamva, kwaye zilityalwe ngokupheleleyo xa igosa lixakekile.

Isiphumo yipotfoliyo apho ingeniso yakho echaziweyo kunye nelungelo lakho lokwenyani ziye zahlukana ngokuzolileyo.

Kwiimali-mboleko ezingamakhulu ambalwa, oku akusiyiyo ingxaki yokusondeza amanani. Yimali yokwenene, kwaye ayibonakali.

Amatyala asemva afunyanwa emva kokuba sele ekhulile

Kwimisebenzi yespredishithi, amatyala asemva adla ngokufunyanwa ngexesha lokuphonononga endaweni yokuba afunyanwe ngomhla enzeka ngawo. Olo phononongo lunokuba lweveki. Kumaqela amancinci aphantsi koxinzelelo, lunokuba lwenyanga.

Umboleki ophose intlawulo kwiintsuku ezisibhozo ezidlulileyo usengomxholo wencoko. Umboleki ofanayo kwiintsuku ezingamashumi amane ulityala lokuqokelela elinezinga lokubuyiswa eliphantsi kakhulu.

Iibhakethi zobudala kwiintsuku ezingama-30, ezingama-60, nezingama-90 zinceda kuphela ukuba ziyazihlaziya ngokwazo. Xa zakhiwe kwakhona ngesandla, zikubonisa ukuba incwadi yayiphi.

Ukusebenza kweSebe neGosa kufihlwe kwiiFayile ezahlukeneyo

Xa isebe ngalinye ligcina ifayile yalo, i-ofisi enkulu ibona umfanekiso odityanisiweyo kuphela emva kokuba umntu ewudibanisile. Loo nkqubo ihlala isusa iinkcukacha ezazibalulekile.

Awunakubona ukuba ipotfoliyo yegosa elinye esemngciphekweni (i-PAR), isahlulo sencwadi yemali-mboleko eneentlawulo ezisemva, iphindeke kabini kwiiveki ezintandathu, kuba iimali-mboleko zelo gosa zidityaniswe kwingqokelela yesebe.

Ngexesha ipateni ivela kwingxelo, ukuwohloka sele kunembali.

Kutheni iDatha eLibazisekileyo ivelisa iZigqibo eziButhathaka

Inkqubo yolwazi lolawulo (i-MIS) ilulungiselelo nje oluguqula umsebenzi wemihla ngemihla ube ngamanani onokuthatha isigqibo ngawo. Iispredishithi zingavelisa amanani, kodwa ziwenza kancinci, ngamathuba athile, kwaye kuphela xa umntu othile ekhona ukuze awavelise.

Iingxelo ezingaguqukiyo azinakubonisa imeko yanamhlanje

Ingxelo yespredishithi ngumfanekiso. Yayichanekile ngalo mzuzu yayiqulunqwa ngawo kwaye iqala ukuguga ngoko nangoko.

Oko kuyanyamezeleka kuphononongo lonyaka. Yingxaki yokwenene xa uthatha isigqibo sokuba ukhuphe imali-mboleko entsha ngale mvakwemini, kwaye imeko yakho yemali isekelwe kumanani aqulunqwe ngoLwesihlanu odlulileyo.

Uvavanyo olusebenzayo: unako na ukuphendula ukuthi "yintoni ibhalansi yethu epheleleyo engekahlawulwa ngoku?" ngaphantsi komzuzu, ngaphandle kokubuza mntu? Ukuba akunjalo, sonke isigqibo esixhomekeke kwelo nani senziwa ngoqikelelo.

Xa iiNkqubo zoLwazi loLawulo zixhomekeke kuMntu omnye weSpredishithi

Phantse yonke i-MFI esebenzisa i-Excel inomntu omnye oyiqondayo ngokwenene ifayile. Iifomula, iikholamu ezifihliweyo, ithebhu ekungafuneki ukuba ihlelwe.

Loo mntu uba yi-MIS. Xa ekwikhefu, egula, okanye eyekile, ukunika ingxelo kuyayeka.

Ndibukele umphathi wemisebenzi echitha iiveki ezintathu ehlalutya incwadi yomsebenzi yomntu owandulelayo, kwaye wafumana ireferensi yeseli ekhomba kumqolo owasuswa kwiinyanga ezidlulileyo. Akukho mntu waqaphelayo kuba itotali yayisabonakala ivakala.

Imida yoHlalutyo lweDatha kwiiRekhodi ezingadityaniswanga

Uhlalutyo oluluncedo lufuna iirekhodi ezidibanayo. Umboleki kwimali-mboleko, imali-mboleko kwishedyuli, intlawulo kungeno lwejenali.

Kwifayile ezahlukeneyo, olo nxibelelwano lwenziwa ngesandla ngokukhangela nokukopa nokuncamathisela, kwaye ukudibanisa ngakunye kulithuba lokuphulukana nerekhodi okanye ukuyiphinda kabini.

Ngoko ke uhlalutyo luhlala lungenzulu: iitotali nee-avareji, kunqabile ukuba kube kukuziphatha kweqela okanye ukusebenza komboleki ophindayo. Uphela usazi ukuba ipotfoliyo yakho yenze ntoni, ngaphandle kokwazi kakuhle ukuba kutheni.

Ubalo-mali, uLawulo nokuThobela kufuna iRekhodi ecacileyo

Ulawulo lwemboleko nokugcinwa kweencwadi ngokwenene ngumsebenzi omnye orekhodwa kabini. Xa zihleli kwiinkqubo ezahlukeneyo, ziyaphambukana, kwaye ukuphambukana kufunyanwa kuphela ngexesha elibi kakhulu.

Umsebenzi Wemboleko neeNcwadi Ziyaphambukana

Intlawulo nganye, imbuyekezo nganye, umrhumo ngamnye, kunye nesohlwayo ngasinye sisiganeko sobalo-mali. Kumsebenzi wespredishithi, umntu kufuneka aphinde afake ngalinye lazo ezincwadini.

Aziyi kufakwa zonke. Ezinye ziya kufakwa kabini. Ezinye ziya kuphela kwi-akhawunti engeyiyo.

Ukuphela kwenyanga ke kuya kuba luphando kunokuba kube kukuvala. Iiplatifomu ezivelisa amangenelo ejenali ngqo kumsebenzi wemboleko, njengoko uLendbox esenza ngobalo-mali lwakhe oluphindwe kabini olwakhelwe ngaphakathi, zisusa ngokupheleleyo inyathelo lokuphinda kufakwe idatha, nto leyo esusa udidi lwempazamo kunye nalo.

Akukho Mkhondo Uthembekileyo Wokuba Ngubani Otshintshe Ntoni

I-Excel ayikuxeleli ukuba ngubani owanciphisa ibhalansi, nini, okanye kutheni. Imbali yeenguqulelo iyanceda kancinci kwiifayile zelifu ekwabelwana ngazo, kodwa ayingomkhondo wophicotho ngayo nayiphi na ingqiqo ephathekayo.

Oku kubalulekile ngezizathu ezibini. Iimpazamo zokwenyani azikwazi ukulandelwa zibuyele emthonjeni wazo, ngoko ziyaphindeka. Kwaye apho inani litshintshwe ngabom, akukho nto inokuphononongwa.

Umkhondo wophicotho awungomrhanelo. Umalunga nokukwazi ukuphinda wakhe indlela eyathi inani labakho ngayo.

Kutheni Imigaqo Yokufikelela Ibalulekile Kuwo Onke Amasebe

Kwi-spredishithi, ukufikelela kukonke okanye akukho nto. Nabani na onokuvula ifayile unokubona kwaye atshintshe yonke into ekuyo, kuquka ababoleki bamanye amasebe nawo onke amanani embali.

Ukufikelela okusekelwe kwindima kuwutshintsha umbuzo ukusuka ku"ngubani onayo ifayile?" ukuya ku"yintoni ekufuneka lo mntu akwazi ukuyenza?" Igosa lemali-mboleko lirekhoda iintlawulo kubaboleki babo. Umphathi wesebe ubona isebe labo. Umcwangcisi-mali ubona ileja.

Isoftware ayizisi ukuthobela imigaqo yolawulo ngokwayo. Ikunika iirekhodi nolawulo ezenza ukuba ukubonisa indlela elungileyo yokusebenza kwenzeke.

Okuvezwa ziiMeko eziKhwankqisayo zakutsha nje ngoKuqina kwee-MFI

Amaziko emali-mboleko encinci asemngciphekweni wokuchaphazeleka zizothuso ngendlela ababolekisi abakhulu abangachaphazeleki ngayo. Ababoleki bagxile kumacandelo afanayo nakwiindawo ezifanayo, ngoko uxinzelelo lubetha yonke ipotfoliyo ngexesha elinye, hayi ngemboleko ngemboleko.

Ubhubhane we-COVID-19 Wenza Ulwazi Olufika Emva Kwexesha Lwabiza Kakhulu

Ngexesha lobhubhane we-COVID-19, ababolekisi benza izigqibo zokuhlenga-hlengisa kunye nokumisa iintlawulo qho ngeveki, ngamanye amaxesha yonke imihla. Ii-MFI ezazimelana kakuhle zazidla ngokuba zezo ezazikwazi ukubona imeko yazo ngokukhawuleza ngokwaneleyo ukuba zithathe amanyathelo.

Ukuba kwakuthatha iveki ukufumanisa ukuba ngabaphi ababoleki ababeyekile ukuhlawula nokuba yimalini umngcipheko owawukho kumacandelo achaphazelekileyo, impendulo yayisoloko ilisemva ngenyathelo elinye emva kwengxaki. Ukulibala kwiimeko eziqhelekileyo akusebenzisi kakuhle. Ukulibala ngexesha lesothuso kuyazitshintsha iziphumo.

Kutheni Uphando oluvela ePeru luqinisa iMfuneko yeDatha eThembekileyo

IPeru inelinye lamacandelo emali-mboleko encinci aphandwe kakhulu, ngokuyinxenye kuba iye yadlula kuzo zombini ukukhula okukhawulezayo namaxesha oxinzelelo olukhulu. Uphando oluvela kuloo marike luhlala lukhomba kwizinto zeziko kunokuba kumgangatho wababoleki kuphela njengonobangela wobunzima be-MFI: ulawulo lwangaphakathi olubuthathaka, ukujongwa kakubi kwepotfoliyo, kunye nolawulo olusebenza ngolwazi olungaphelelanga.

Oku ayisosiprofeto ngeziko lakho. Sisikhuthazo esinengqiqo sokubuza ukuba ingaba ukujonga kwakho kungakubamba kwangoko ukuwohloka, okanye kungakuqinisekisa kuphela emva kwesiganeko.

Ukuqukwa kwezeMali Kuxhomekeke kuCwangco lokuSebenza

I-MFI ephulukana nolawulo lwepotfoliyo yayo iyayeka ukubolekisa. Xa iyeka ukubolekisa, ababoleki ababengenalo olunye ukhetho lwetyala baphulukana nokufikelela ngokupheleleyo.

Ucwangco lomsebenzi alungqubani nenjongo yentlalo yemali-mboleko encinci. Yiyo eyenza injongo ikwazi ukuzinza.

Iirekhodi ezichanekileyo, ukulandelwa kwangoko kweetyala ezingahlawulwanga, kunye nengxelo ethembekileyo zikhusela ababoleki kanye njengephepha lobalo-mali.

Ukufudukela kwiNkqubo yoLawulo lweMboleko eLawulwayo

Ukufuduka kuvakala kunobungozi kunokuba kunjalo. Umngcipheko wokwenyani kukuhlala kwinkqubo apho kungekho mntu unokungqina amanani anamhlanje, kwaye uninzi lwee-MFI lufumanisa ukuba ukufuduka kuthatha iintsuku kunokuba kube ziinyanga ezazisoyikwa.

Yintoni Inkqubo eZinikeleyo emele ukuyifaka endaweni enye

Okungenani, indawo enye kufuneka ibambe:

• Umjikelo wemboleko: Isicelo, ukuvunywa, ukukhutshwa kwemali, ishedyuli, iintlawulo, ukuvalwa
• Izibalo: Inzala, imirhumo, kunye nezohlwayo ezifakwa ngomgaqo, hayi ngesandla
• Ubalo-mali: Amangenelo ejenali aphindwe kabini aveliswa kumsebenzi wemboleko
• Ufikelelo: Iindima kunye nokubonakala kwinqanaba lesebe kumsebenzi ngamnye
• Imbali: Umkhondo wokuhlola weenguqu, kunye noogcino oluzenzekelayo
• Ingxelo: Ibhalansi eseleyo yangoku, amatyala asemva, iibhakethi zobudala, PAR

Eyona nto ayilulo uluhlu lweempawu. Kukuba ezi ziyeke ukuba ziifayile ezahlukeneyo ezigcinwa ngabantu abahlukeneyo.

Indlela yokufudusa incwadi yemali-mboleko ekhoyo ukusuka kwi-Excel

Ulandelelwano olusebenzayo lomsebenzi:

1. Qala ngokucoca uluhlu lwababoleki. Susa amagama aphindaphindiweyo kwaye ulungelelanise izichongi phambi kokuba ujonge iimali-mboleko.
2. Beka umhla wokunqumla. Yonke into ephambi kwaloo mhla iba ziibhalansi zokuqala. Nantoni na emva kwawo? Leyo ingena kwinkqubo entsha.
3. Ngenisa ababoleki, emva koko iimali-mboleko, emva koko imbali yokuhlawula. usebenzisa i-Excel okanye i-CSV. Yenze ngolo landelelwano—ndithembe, kulula.
4. Thelekisa isampuli. Thatha iimali-mboleko ezingamashumi amabini kwiimveliso namasebe ahlukeneyo. Jonga ukuba iibhalansi ziyahambelana na, ukuya kutsho nakwisenti.
5. Qhuba zombini ngaxeshanye iiveki ezimbini. Ngokunyanisekileyo, musa ukuyitsala ixesha elide. Ukuba uyayitsala, abantu baya kubambelela kwispredishithi endala ngonaphakade.

Ukuba ifayile inesiphithiphithi, yithumele nje endaweni yokuzama ukuyilungisa wedwa. Iqela le-Lendbox lingakumisela iakhawunti yakho ngqo kwifayile yakho ye-Excel.

Imibuzo emayibuzwe phambi kokutshintsha iinkqubo ezenziwa ngesandla

Buza umboneleli ezi zinto ngqo:

• Ngaba ubalo-mali luvela kwimisebenzi yemali-mboleko, okanye yimodyuli eyahlukileyo ekufuneka ndiyichwetheze kwakhona?
• Ngaba igosa lemali-mboleko lingahlaziya intlawulo lisendleleni ngefowuni, kwanakumasebe angenayo intanethi?
• Yintoni kanye kanye erekhodwa ngumkhondo wokuhlola?
• Ngaba iimpawu zilawulwa sisicwangciso, okanye kuphela zizihlalo namasebe?
• Ngubani ojongene nokungeniswa kwedatha, kwaye kubiza malini?

Iimpendulo apha zihlala ziveza okungaphezulu kunokuba nayiphi na idemo inokuze iveze.

Xa sele unayo incwadi yakho endaweni enye, jonga imeko yepotfoliyo yakho yokwenyani—kuquka amatyala asemva—kwaye ubone ukuba isondela kangakanani kwinani obusebenza ngalo. Ungothuka, okanye mhlawumbi akunjalo. Nokuba kunjalo, kufanelekile ukuba ujonge.