Ndalama kupanga mu nthawi yochepa, umunthu wawo ndi kugwirizana.

Ndalama, kapena mawu ena mtengo, ichi ndi bajeti mzere, amene ankatumikira onse zachuma zikukangalika kuyesera kuchepetsa. Muyezo pepala kwa nyengo malipoti mwina monga kuchuluka kwa zinthu zokwera mtengo, bola ngati kukula zimakhalira, ndipo amalola kuti ndi yodalirika, ndipo potero akhale. Ukulu wa ndalama poyerekezera ndi ntchito mafakitale kawirikawiri chilamulira chikhalidwe ndi maganizo mitengo ya zinthu. Pa nkhani imeneyi, pakati masukulu osiyanasiyana a zachuma zambiri asonkhezere kutsutsana pa kaya monga mtengo wa malonda mankhwala ndalama ake okwana. Pa dzanja limodzi, ndalama imeneyi ndi kugwirizana inextricable ndi kupanga, chifukwa popanda anamanga bwino malonda ndondomeko sizingatheke malonda buku, amene alalikira ndalama zonse. Pankhaniyi, zikuonekeratu kuti kampani silingayende liquidation.

Kumbali ya Akatswiri munthu zachuma, ndalama kugwirizana ndi kulimbikitsa zinthu pa msika ndi malonda awo kufika mtengo wake pazipita mu nthawi ya kumasuka ndi kufalitsa mankhwala nzeru, ndiyeno pamapindikira ndalama choterechi Zithunzi amamuchititsa pansi. Izi zikutanthauza kuti Mlengi, kuwonjezera buku la yopanga ndi malonda, pa nthawi, minimizes ndalama izi ndi cholowa chawo cha mtengo leni (pansi pa mtengo enieni ayenera kumvetsetsa zonse zinthu mtengo wokhudzana ndi kupanga ndi kugulitsa katundu). Choncho imeneyi, zokolola pamapindikira ali ndi vekitala zonse adakweza.

Pa nkhani imeneyi, pali maganizo m'pofunika kusiyanitsa pakati pa mitengo ya zinthu kwa ndalama za ulimi ndi ndalama za kukhazikitsa. Kupanga ndalama kwa kanthawi kochepa mwina zimasonyeza momwe kampani adzakhala opindulitsa pamapeto pake. ndalama zimenezo zimaphatikizapo ndalama za chuma ntchito ndi chuma, zochokera wagawo ndi amene amakhala kukhalabe kufunika zonse. Koma ngati yosalala Inde zochitika ndi achilendo yekha malo amodzi ndi khola chuma, omwe lero zikuwoneka zenizeni idyll. kupanga ndi malonda mtengo wa mankhwala imvera kusintha kuchokera kunja ndi mkati zinthu zonse, mwa monga kufunika nyengo, kusintha zinthu msika, luso opangira, ndi ena ambiri, kuphatikizapo zosiyanasiyana mphamvu majeure. Kupanga ndalama kwa kanthawi kochepa kuti konza anamutengera ku mtengo nthawi zonse, kotero opanga kwambiri ndi zosavuta kukhazikitsa pakhomo la profitability aliyense mankhwala.

Mu sayansi lero yazachuma amaona kukhala zogwirizana m'kagulu ndalama transformational ndi ndalama. Ngati yoyamba ndalama kugwirizana ndi processing zipangizo kuti chomaliza ndondomeko mankhwala kuzindikira, wachiwiri amatanthauza ndalama monga kuteteza malo malonda, mtundu, mtundu. ndalama izi sizikugwirizana ndi chilengedwe cha mtengo wa chotsirizidwa. Kupanga ndalama kwa kanthawi kochepa, kwakukulukulu a ndalama transformational.

Nthawi zambiri kusintha osasamba ndalama ambiri anatsogolera chakuti ndi kuwonjezeka ndalama kupanga zosiyanasiyana poyerekezera ndi gulu la ulimi. ndalama amatchedwa pafupifupi. ndalama kupanga Avereji mopitirira monga chiŵerengero cha mtengo okwana ndi kuchuluka kwa linanena bungwe. Poyamba, zimenezi mtundu wa mtengo waukulu, koma m'kati kukula kupanga amamuchititsa kuchepetsa izo. Kupanga ang'ono-ang'ono n'kofunika kuchepetsa ndalama kupanga mu nthawi yochepa, kuyambira mfundo imeneyi kulola kukonza pa enaake a ndalama atathana ndi kuchepetsa pakhomo la profitability.