Kungani Ama-spreadsheet Ehluleka Izikhungo Zezimali Ezincane: Izindleko Ezifihliwe

Uyawazi umzuzu. Umboleki uyashaya ucele eyakhe ibhalansi esele, futhi awukwazi ukuphendula ngaphandle kokuvula amafayela amathathu, ukuskrola ochungechungeni lwe-WhatsApp, nokushayela isikhulu segatsha esiqophe inkokhelo yokugcina.

Emizuzwini eyishumi kamuva, usunayo inombolo onethemba elingaphelele ngayo.

Leyo yindleko yangempela yokuqhuba isikhungo sezezimali ezincane ngama-spreadsheet, futhi akuyona indleko umuntu ayihlelela isabelomali.

Isikhalazo esivamile ukuthi i-Excel ikhipha amaphutha efomula, okuyiqiniso, kodwa inkinga ejulile isikhathi nokuhlukaniseka.

Uma idatha yakho yemalimboleko ihlala kumafayela ahlukene, abuyekezwa ngezikhathi ezahlukene ngabantu abahlukene, ugcina wenza izinqumo zanamuhla ngesithombe seviki eledlule sencwadi yakho yemalimboleko.

Kwi-MFI, lelo gebe likhathaza kabili. Unomthwalo wemfanelo wezohwebo wokugcina iphothifoliyo isebenza, kanye nowomphakathi wokugcina isikweletu sigeleza kubantu umkhakha wamabhange osemthethweni ongavamile ukuwusebenzela.

Ukufakwa kwezezimali akusekelwa izinhloso ezinhle kuphela. Kusekelwa ababolekisi abazi kahle ukuthi imali yabo ikuphi noma yimuphi umsuka.

Uma ungathanda ukuyibona kunokufunda ngayo, ungangenisa incwadi yakho yemalimboleko ekhona ye-Excel ku-Lendbox bese ubheka isimo sakho sangempela sephothifoliyo ngosuku olufanayo.

Iphuzu Lapho i-Excel Iyeka Ukuba Uhlelo Lwemalimboleko

Ama-spreadsheet awehluleki ngomsindo omkhulu. Ayaqhubeka evuleka, eqhubeka ebala, futhi eqhubeka ebukeka njengohlelo olusebenzayo isikhathi eside ngemva kokuba engasekho.

Ukwehluleka kubonakala njengokungahambisani okuncane, amafayela aphindwe kabili, nokuncika okukhulayo enkumbulweni yomuntu oyedwa.

Incwadi Yemalimboleko Eyodwa, Izinhlobo Eziningi Kakhulu

Izikhungo eziningi zezezimali ezincane azinayo i-spreadsheet eyodwa nje. Zinefayela eliyinhloko, ikhophi yegatsha, i-tracker yokuqoqa, kanye nohlobo umuntu aluthumele nge-imeyili emhlanganweni webhodi emasontweni amathathu adlule.

Ngayinye yalezo yayilungile ngesikhathi igcinwa. Ayikho kuzo elungile manje.

Inkinga iqala lapho abantu ababili bedinga ukuhlela ngesikhathi esisodwa. Omunye uyalinda, omunye usebenza ngaphandle kwe-inthanethi, futhi ukuhlanganisa akwenzeki noma kwenzeka kabi.

Ugcine nge-inkokhelo eqoshiwe kufayela elilodwa futhi ingekho kwelinye, futhi akukho ndlela esobala yokusho ukuthi yikuphi okulungile.

Kungani Ukuhamba Komsebenzi Wemalimboleko Kungangeni Emigqeni Ye-Spreadsheet

Imalimboleko ayiwona umugqa nje. Iwukulandelana kwezehlakalo: isicelo, ukuhlolwa, ukugunyazwa, ukukhishwa kwemali, uhlelo, izinkokhelo, mhlawumbe inhlawulo, mhlawumbe ukuhlelwa kabusha, bese kuvalwa.

Ama-spreadsheet agcina isimo samanje. Awakwazi kahle ukugcina ukulandelana, futhi amabi kakhulu ekukuphoqeleleni.

Akukho lutho ku-Excel oluvimba ukukhishwa kwemali ukuthi kuqoshwe ngaphambi kokugunyazwa. Akukho lutho oluvimba inhlawulo ukuthi ikhanselwe ngaphandle kwesizathu.

Akukho lutho oluphoqa inkokhelo ukuthi yabelwe inzalo ngaphambi kwenani eliyinhloko. Leyo mithetho ihlala emakhanda eqembu lakho, okusho ukuthi iyahlukahluka ngomuntu ngamunye futhi iyashintsha ngokuhamba kwesikhathi.

Izimpawu Zokuxwayisa Zokuthi Ithimba Lakho Selikhule Ngaphezu Kwamafayela Enziwe Ngesandla

Cishe usudlulile kulelo phuzu uma ezimbili noma ngaphezulu zalezi zikujwayele:

• Ukukhiqiza uhlu lwamanje lwe-zikweletu ezingakhokhiwe kuthatha isikhathi esingaphezu kwehora
• Umuntu oyedwa kuphela ongahlela ngokuphepha ifayela eliyinhloko
• Izikhulu zibika izinkokhelo nge-WhatsApp bese othile uzithayipha kamuva
• Ukuvalwa kokuphela kwenyanga kuncike ekwakheni kabusha izinombolo kunokuba uzibuyekeze.
• Izikhulu ezimbili zingabela inkokhelo eyingxenye efanayo ngendlela ehlukile.
• I-backup yakho ephelele yokugcina kwakuyikhophi eyalondolozwa kwi-desktop ye-laptop.

Indlela Amarekhodi Okubhalwa Ngesandla Alimaza Ngayo Ukulawulwa Kwephothifoliyo

Ukulawulwa kwephothifoliyo akusiyona nje indlela yokubika. Kuyikhono lansuku zonke lokubona ukuthi yiziphi izimalimboleko ezisebenza kahle, yiziphi ezishelelayo, nokuthi yisiphi isikhulu noma igatsha elithwele umthwalo.

Amarekhodi okubhalwa ngesandla acekela phansi konke lokhu okuthathu, ikakhulukazi ngokungahambisani nokubambezeleka kunamaphutha amakhulu.

Inzalo, Izinhlawulo kanye Nezinkokhelo Ezisetshenziswa Ngokungahambisani

Inzalo ebalwa ngesandla inokungaguquguquki okulingana nomuntu oyibalayo ngalolo suku. Izikhulu ezimbili ezisebenzisa umkhiqizo ofanayo wemalimboleko zizosebenzisa inkokhelo eyingxenye ngendlela ehlukile ngaphandle uma umthetho uphoqelelwa wuhlelo, hhayi nje incwadi yokuqeqesha.

Izinhlawulo zithinteka kakhulu. Zivame ukweqiwa lapho obolekayo ekhona futhi enesimo esidabukisayo, zisetshenziswe lapho ifayili selibuyekezwa kamuva, futhi zikhohlwe ngokuphelele lapho isikhulu simatasa.

Umphumela uba iphothifoliyo lapho imali engenayo oyishilo kanye nelungelo lakho langempela kuhlukane buthule.

Emalimbolekweni ezingamakhulu ambalwa, lokhu akusiyona indaba yokusondeza izinombolo. Yimali yangempela, futhi ayibonakali.

Izikweletu Ezingakhokhiwe Ezitholakala Ngemva Kokuba Zivele Zikhulile

Emisebenzini yama-spreadsheet, izikweletu ezingakhokhiwe zivame ukutholakala ngesikhathi sokubuyekeza esikhundleni salolo suku ezenzeka ngalo. Lokho kubuyekeza kungase kube masonto onke. Emaqenjini amancane acindezelekile, kungase kube nyanga zonke.

Obolekayo ophuthelwe inkokhelo ezinsukwini eziyisishiyagalombili ezedlule usengxoxo nje. Lowo obolekayo ofanayo ezinsukwini ezingamashumi amane uyicala lokuqoqa elinezinga eliphansi kakhulu lokuthola imali.

Amabhakede okuguga ezinsukwini ezingama-30, 60, kanye nama-90 asiza kuphela uma ezivuselela wona ngokwawo. Akhiwa kabusha ngesandla, akubonisa lapho ibhuku lalikhona.

Ukusebenza Kwegatsha Nesikhulu Kufihlwe Emifayeleni Eyehlukene

Lapho igatsha ngalinye ligcina ifayela lalo, ihhovisi elikhulu libona isithombe esihlanganisiwe kuphela ngemva kokuba othile esihlanganisile. Leyo nqubo ivamise ukususa imininingwane eyayibalulekile.

Awukwazi ukubona ukuthi iphothifoliyo esengozini yesikhulu esisodwa (PAR), ingxenye yebhuku lezikweletu enezinkokhelo eziphuzile, isiphindaphindeke kabili emasontweni ayisithupha, ngoba izimalimboleko zaleso sikhulu zixutshwe nesamba segatsha.

Ngesikhathi iphethini livela embikweni, ukuwohloka sekunomlando.

Kungani Idatha Ebambezelekile Ikhiqiza Izinqumo Ezibuthaka

Uhlelo lolwazi lokuphatha (MIS) lumane luyindlela eguqula umsebenzi wansuku zonke ube izinombolo ongathatha isenzo ngazo. Ama-spreadsheet angakhiqiza izinombolo, kodwa akwenza kancane, ngezikhathi ezithile, futhi kuphela lapho umuntu othize ekhona ukuze azikhiqize.

Imibiko Emile Ayikwazi Ukukhombisa Isimo Sanamuhla

Umbiko we-spreadsheet uyisithombe. Wawunembile ngesikhathi uhlanganiswa futhi uqala ukuguga ngokushesha.

Lokho kuyabekezeleleka ekubuyekezweni kwaminyaka yonke. Kuyinkinga yangempela lapho unquma ukuthi ukhiphe imalimboleko entsha namhlanje ntambama, futhi isimo sakho semali sincike ezibalweni ezahlanganiswa ngoLwesihlanu odlule.

Ukuhlolwa okungokoqobo: ungakwazi yini ukuphendula ukuthi "siyini isamba sethu sebhalansi esele njengamanje?" ngaphansi komzuzu, ngaphandle kokubuza noma ubani? Uma kungenjalo, zonke izinqumo ezincike kuleyo nombolo zenziwa ngokulinganisa.

Lapho Izinhlelo Zolwazi Lokuphatha Zincike Kumuntu Oyedwa Womnikazi We-spreadsheet

Cishe yonke i-MFI esebenza nge-Excel inomuntu oyedwa oqonda ngempela ifayela. Amafomula, amakholomu afihliwe, ithebhu okungamelwe ihlelwe.

Lowo muntu uba yi-MIS. Lapho esekhefini, egula, noma eyekile, ukubika kuyama.

Ngabona imenenja yokusebenza ichitha amasonto amathathu ihlaziya kabusha ibhuku lokusebenzela lowandulelayo, futhi isathola ireferensi yeseli ekhomba umugqa owasuswa ezinyangeni ezedlule. Akekho owaphawula ngoba isamba sasisabukeka sinengqondo.

Imikhawulo Yokuhlaziywa Kwedatha Kumarekhodi Angaxhumene

Ukuhlaziywa okuwusizo kudinga amarekhodi axhumanayo. Obolekayo kuye emalimbolekweni, imalimboleko kuye ohlelweni lwezinkokhelo, inkokhelo kuye ekufakweni kujenali.

Emifayeleni eyehlukene, lokho kuxhumana kwenziwa ngesandla ngama-lookup nangokukopisha nokunamathisela, futhi ukuhlanganisa ngakunye kuyithuba lokulahlekelwa irekhodi noma ukuphindaphinda elilodwa.

Ngakho ukuhlaziywa kuhlala kungashoni: amasamba nezilinganiso, kuyaqabukela ukuziphatha kweqoqo noma ukusebenza kwababoleka kaninginingi. Ugcina wazi ukuthi iphothifoliyo yakho yenzani, ngaphandle kokuqonda ukuthi kungani.

Ukubhalwa Kwamabhuku, Izilawuli Nokuthobela Kudinga Irekhodi Elicacile

Ukuphathwa kwemalimboleko kanye nokugcinwa kwamabhuku empeleni kungumsebenzi ofanayo oqoshwa kabili. Uma kusezinhlelweni ezihlukene, kuyahlukana, futhi ukuhlukana kutholakala kuphela ngesikhathi esibi kakhulu.

Umsebenzi Wemalimboleko kanye Namabhuku Kuyahlukana

Konke ukukhishwa kwemali, ukubuyiswa, imali ekhokhiswayo, kanye nenhlawulo kuyisenzakalo sokubhalwa kwamabhuku. Ekusebenzeni ngesipredishithi, umuntu kufanele afake kabusha ngakunye kwalokho emabhukwini.

Angeke afakwe wonke. Amanye azofakwa kabili. Amanye azogcina esesikhundleni esingesona.

Ukuphela kwenyanga bese kuba uphenyo esikhundleni sokuvalwa. Izinkundla ezikhiqiza amarekhodi ejenali ngqo kusuka emsebenzini wemalimboleko, njengoba kwenza i-Lendbox ngohlelo lwayo lwe-accounting lokufaka kabili olwakhelwe ngaphakathi, kususa ngokuphelele isinyathelo sokuphinda kufakwe imininingwane, okususa nohlobo lwephutha kanye naso.

Akukho Mkhondo Othembekile Wokuthi Ubani Oshintshe Ini

I-Excel ayikutsheli ukuthi ubani wehlise ibhalansi, nini, noma ngani. Umlando wenguqulo usize kancane kumafayela asemafini abelwayo, kodwa akuwona umkhondo wokuhlola ngomqondo obalulekile.

Lokho kubalulekile ngenxa yezizathu ezimbili. Amaphutha angempela angeke alandelwe abuyele emthonjeni wawo, ngakho ayaphindeka. Futhi lapho isibalo sishintshwe ngamabomu, akukho okungabuyekezwa.

Umkhondo wokuhlola awukhona ngokusola. Kumayelana nokukwazi ukwakha kabusha ukuthi isibalo safika kanjani.

Kungani Imithetho Yokufinyelela Ibalulekile Kuwo Wonke Amagatsha

Kusipredishithi, ukufinyelela kungakho konke noma kungelutho. Noma ubani ongavula ifayela angabona futhi ashintshe konke okukulo, kuhlanganise nababoleki bamanye amagatsha kanye naso sonke isibalo somlando.

Ukufinyelela okusekelwe endimeni kushintsha umbuzo kusuka kokuthi "ubani onalo ifayela?" kuye kokuthi "yini okufanele lo muntu akwazi ukuyenza?" A isikhulu semalimboleko siqopha izinkokhelo zababoleki baso. Umphathi wegatsha ubona igatsha lakhe. Umcwaningimabhuku ubona ileja.

Isofthiwe ayilethi ukuthotshelwa kwemithetho ngokwayo. Kodwa ikunikeza amarekhodi nokulawula okwenza ukubonisa izinqubo ezinhle kwenzeke.

Okwembulwa Ukushaqeka Kwakamuva Ngokuqina Kwama-MFI

Izikhungo ze-microfinance zichayeka ekushaqekeni ngendlela ababolekisi abakhulu abangachayeki ngayo. Ababoleki bagxile emikhakheni efanayo nasezindaweni ezifanayo, ngakho ingcindezi ishaya lonke ibhuku ngesikhathi esisodwa, hhayi imalimboleko ngemalimboleko.

Ubhubhane lwe-COVID-19 Lwenza Ukwaziswa Kwephuze Kubize Kakhulu

Phakathi nobhubhane lwe-COVID-19, ababolekisi benza izinqumo zokuhlela kabusha kanye nokumisa izinkokhelo masonto onke, ngezinye izikhathi nsuku zonke. Ama-MFI abhekane kahle kakhulu ngokuvamile kwakuyilawo akwazi ukubona isimo sawo ngokushesha ngokwanele ukuze athathe isinyathelo.

Uma kwakuthatha isonto ukuthola ukuthi yibaphi ababoleki ababeyekile ukukhokha nokuthi ingakanani ingozi eyayisemikhakheni ethintekile, impendulo yayihlale inesinyathelo esisodwa ngemuva kwenkinga. Ukubambezeleka ezimeni ezijwayelekile akusebenzi kahle. Ukubambezeleka ngesikhathi sokushaqeka kushintsha imiphumela.

Kungani Ucwaningo Lwase-Peru Luqinisa Isidingo Sedatha Ethembekile

IPeru inomunye wemikhakha ye-microfinance efundwe kakhulu, ngokwengxenye ngenxa yokuthi isike yadlula ekukhuleni okusheshayo nasezikhathini zengcindezi enkulu. Ucwaningo oluvela kuleyo makethe luvele luhlale lukhomba izici zesikhungo kunekhwalithi yomboleki kuphela njengembangela yobunzima be-MFI: ukulawula kwangaphakathi okubuthakathaka, ukuqapha okungekuhle kwephothifoliyo, kanye nabaphathi abasebenza ngolwazi olungaphelele.

Lokho akusona isibikezelo ngesikhungo sakho. Kuyisikhuthazo esinengqondo sokubuza ukuthi ngabe ukuqapha kwakho kungakubamba ngokushesha ukuwohloka, noma kumane nje kukuqinisekise ngemva kwalokho.

Ukufakwa Kwezimali Kuncike Ekuqeqesheni Okusebenzayo

I-MFI elahlekelwa ukulawula iphothifoliyo yayo iyayeka ukubolekisa. Uma iyeka ukubolekisa, ababoleki ababengenayo enye indlela yokuboleka balahlekelwa ukufinyelela ngokuphelele.

Ukuqeqesha okusebenzayo akuphikisani nenjongo yomphakathi ye-microfinance. Yikho okwenza injongo iqhubeke.

Amarekhodi anembe, ukulandela izikweletu ezingakhokhiwe ngesikhathi, kanye nokubika okuqotho kuvikela ababoleki ngendlela efanayo ne-balance sheet.

Ukudlulela Enqubweni Elawulwayo Yokuphathwa Kwemalimboleko

Ukuthuthela kwesinye isistimu kuzwakala kuyingozi kunalokho okuyikho. Ingozi yangempela ukuhlala kusistimu lapho kungekho muntu ongafakazela izibalo zanamuhla, futhi iningi lama-MFI lithola ukuthi ukuthutha kuthatha izinsuku esikhundleni sezinyanga ezazizisaba.

Okufanele Kuhlanganiswe Isistimu Ezinikele

Okungenani, indawo eyodwa kufanele ibe nakho:

• Umjikelezo wemalimboleko: Isicelo, ukugunyazwa, ukukhishwa kwemali, uhlelo, izinkokhelo, ukuvalwa
• Izibalo: Inzalo, izimali ezikhokhiswayo, nezinhlawulo ezisetshenziswa ngomthetho, hhayi ngesandla
• I-accounting: Amarekhodi ejenali okufaka kabili akhiqizwa kusuka emsebenzini wemalimboleko
• Ukufinyelela: Izindima nokubonakala kwezinga legatsha ngomsebenzi ngamunye
• Umlando: Umkhondo wokuhlola wezinguquko, kanye nezisipele ezizenzakalelayo
• Ukubika: Ibhalansi esele yamanje, izikweletu ezingakhokhiwe, izigaba zokuguga kwesikweletu, i-PAR

Inhloso akulona uhlu lwezici. Ukuthi lezi ziyeka ukuba amafayela ahlukene agcinwa abantu abahlukene.

Ungayifudusa Kanjani Incwadi Yemalimboleko Ekhona Isuka ku-Excel

Uhlelo olusebenzayo lomsebenzi:

1. Hlanza uhlu lwababolekayo kuqala. Susa amagama aphindwe kabili futhi ulinganise izihlonzi ngaphambi kokuthi ubheke izimali ezibolekiwe.
2. Khiya usuku lokunqamula. Konke okungaphambi kwalolo suku kuba amabhalansi okuvula. Noma yini ngemva kwalokho? Leyo ingena ohlelweni olusha.
3. Ngenisa ababolekayo, bese kuba izimali ezibolekiwe, bese kuba umlando wokukhokha usebenzisa i-Excel noma i-CSV. Kwenze ngalolo hlelo—ngithembe, kulula.
4. Qhathanisa isampula. Thatha izimali ezibolekiwe ezingamashumi amabili ezivela emikhiqizweni nasemagatsheni ahlukene. Hlola ukuthi amabhalansi ayafana yini, kuze kufike esentini.
5. Sebenzisa kokubili ngokuhambisana amasonto amabili. Ngempela, ungalibambezeli leli. Uma ukwenza, abantu bazobambelela kusipredishithi esidala unomphela.

Uma ifayela linesiphithiphithi, vele ulithumele kunokuba ulwe nalo wedwa. Ithimba le-Lendbox lingasetha i-akhawunti yakho ngqo ngefayela lakho le-Excel.

Imibuzo Okufanele Uyibuze Ngaphambi Kokushintsha Izinqubo Ezenziwa Ngesandla

Buza umdayisi lokhu ngokuqondile:

• Ingabe ukubalwa kwezimali kuvela emsebenzini wemalimboleko, noma kuyimojuli ehlukile okufanele ngiphinde ngithayiphe kuyo?
• Ingabe isikhulu semalimboleko singavuselela ukukhokha sisendaweni ngomakhalekhukhwini, ngisho nasemagatsheni angaxhunyiwe ku-inthanethi?
• Yini ngempela umkhondo wokuhlola oyirekhodayo?
• Ingabe izici zivinjelwa uhlelo, noma zivinjelwa izihlalo namagatsha kuphela?
• Ubani ophethe ukungeniswa kwedatha, futhi kubiza malini?

Izimpendulo lapha ngokuvamile zembula okuningi ukwedlula noma iyiphi idemo.

Uma usuyifakile incwadi yakho endaweni eyodwa, bheka isimo sakho sangempela sephothifoliyo—izikweletu ezingakhokhiwe nakho konke—bese ubona ukuthi sisondele kangakanani enombolweni obukade usebenza ngayo. Ungase umangale, noma mhlawumbe ungangamali. Noma kunjalo, kufanele ukubheka.