Malire ndalama

Organization, kaya umwini, ndi kumapeto kwa maola ogwilira ntchito kusiya ofesi mwake wina kuchuluka kwa ndalama. Kuti ndi kuchuluka kwa ndalama otsala mu ofesi, mwina upambana wina kuchuluka. kuchuluka akutchedwa malire a m'kaundula ndalama.

Masana, kuchuluka kwa ndalama si, koma kumapeto kwa ntchito maola ndalama yotsala pa dzanja, ayenera kukhala osachepera kuika pa chilichonse malire ndalama munthu kampani. Ngati kuchuluka kuposa malire, m'pofunika kuti atenge anafuna nkhani imeneyi cholinga kumalo a ntchito, anatsegula mabungwe kubanki. Monga zosiyana, ku ofesi bokosi kuposa kuika malire akhoza kusungidwa ndalama kuti ankafuna kwa malipiro a ankamvetsa zosiyanasiyana ndipo malipiro. Koma alumali moyo wa zopelekazi mwina upambana masiku atatu, kutenga nkhani tsiku chiphaso cha ndalama kubanki.

Pa 01.01.2012 adzatenga mmene malamulo atsopano, amene ikukhudzana bwanji ndi wotuluka ndalama, tsopano ndi dongosolo la kuchititsa ndalama amatsatila lamulo la № 373-P wa Bank of Russia 12.10.11g. Malinga ndi makonzedwe ndi bungwe ndi munthu amalonda, amene ntchito zimaphatikizapo kugwiritsa ntchito ndalama ayenera kusunga ndalama kuti zofuna zonse za makonzedwe zatchulidwazi. Choncho, kuika malire ndalama molondola.

Poyamba, malinga ndi malo, ndilo ntchito mpaka January 1, malire ndalama walembedwa mwa gombe. Ndi kukhazikitsa malamulo atsopano pali funso la amene amapereka malire a ndalama pompano. Tsopano aliyense kampani kapena wazamalonda munthu mwini anapereka palokha malire a ndalama kuti akhoza kusungidwa ofesi bokosi. Pankhaniyi, kukambirana kuchuluka ndi banki kapena ena zolimbana ulamuliro Sikuti.

Kuwerengetsa malire ndalama akhoza kutchulidwa Malamulo 373-n njira zingapo.

Yoyamba amene pochita nawo chakudya zonse ndalama. Iwo ayenera kuyamba kudziwa nthawi imene ndalama adzakhala masamu malire (mwezi, kotala, etc.). Ndiye tisonyezeni nthawi zolipiritsa kwa kudziwa kuchuluka malire kuti akhoza kukhala m'kaundula ndalama. Nthawiyi pansi mawu sangakhale masiku zoposa 92, koma palibe kalendala, ndi masiku, amene, malinga ndi ndandanda ya ntchito gulu kapena abwana ntchito. Ndipo mukhoza kusankha nthawi yabwino kwambiri, nthawi yomweyo chaka chatha; nthawi isanafike nthawi imene ndalama ndi malire; nthawi ndi pazipita kuchuluka kwa ndalama, etc.

Tikangomvetsa ndi mtima, chitsanzo unapangidwa ndalama ndi onse analandira limanena ndalama akuwonjezeka pamodzi. Kenako, muyenera kuganizira momwe masiku ambiri anawapatsa ndalama kapena munthu wina ovomerezeka adzatenga ndalama zochuluka mu mabungwe a kubanki. Koma tiyenera kukumbukira kuti pafupipafupi zopereka zoterezi musalumphe masiku asanu ndi awiri.

Popeza tafotokozera mfundo zonse tatchulazi, mukhoza kuyamba kusamutsa. Kuti tichite zimenezi, chiwerengero cha ndalama nthawi anasankha lagawidwa ndi chiwerengero cha masiku ntchito mu bungwe panthaŵiyinso ndi zotsatira kuchulukitsa ndi chiwerengero cha masiku amene adzakhala ndalama kugonja. ndalama zimene munalandira mu okwana, ndipo kuchepetsa Polipilira.

Yachiwiri njira ntchito ndi mabungwe amalonda munthu amene alibe anapeza ndalama. Ie ndalama pa dzanja yekha ndi nkhani panopa. Pankhaniyi, monga m'mbuyomu, sankhani nthawi kukhazikitsa malire ndalama. Sankhani nthawi ndi kuthetsa, amenenso sangakhale masiku oposa 92. Kudziwa buku la ndalama nthawi anasankhidwa ndi chiwerengero cha masiku kuti padutse polandirira msonkho ndalama pa nkhani za bungwe mu mabungwe a kubanki.

Chotsatira ndi mawerengedwe a malire ndalama: Kuchuluka analandira nthawi inayake ndalama (osati kuphatikizapo malipilo, ankamvetsa, maphunziro, etc. malipiro) akufufuta asankhidwa kuti awerengere nambala ya masiku ntchito ndi kuchulukitsa ndi chiwerengero cha masiku pakati, chomwe chidzachitike pa kulandira ndalama ndi cheke.

Chotsani mawonekedwe ndalama malire mawerengedwe malo si anapereka choncho mtundu uliwonse. Inakhazikitsa kuti malire ndalama masamu mutu wa bungwe kapena wazamalonda payekha m'njira ina iliyonse.