Kudhindwa kwekodha kunowanikwa

Chikwata chekubhadhara chikwereti chinoratidzira iyo inoratidzira mari inofanira kubhadharwa kune sangano rinokweretesa (izvi zvinonyanya kushanda kuvashambadziri) nemusi iwoyo, uye ikozvino kukosha kwekutenga, kana nezvinhu uye zvese zvakatengwa kubva kune chikwereti.

Zvechokwadi, kugadzikana kwezvemari uye solvency yenhengo ipi neipi inobva pane zvikwereti zvinowanikwa. Kana chikamu chayo chakakwirira zvakakwana, kambani iri kurashikirwa nekusimba kwemari uye solvency, asi mari inobhadharwa kuvakonti nevashambadziri inoita kuti zvigoneke kuti sangano rishandise chimwe chinhu se "mari yakasununguka" kwenguva yose yekubhadharwa kwekodha dzinowanikwa.

Hazvisi nyore kuverenga kuti mari inobatsira sei mune imwe neimwe nyaya. Sangano racho raigona kutora mari yakafanana mubhangi pane chibereko. Muzvokwadi, kubatsirwa kwesangano ndiko musiyano pakati pehuwandu hwechikwereti pane chikwereti kwenguva yekuvapo pane bhidhiyo yebhizimisi rechikwereti ichi, kana yakatorwa, hongu, kuburikidza nehuwandu hwekodha dzekare dziripo. Mune mamwe mazwi, purogiramu yebhizimusi inosanganisira chikwereti chechikwereti chechikwereti chinopiwa nebhangi nokuda kwechiyero ichi uye kwenguva yakatarwa, kana bhizimusi raitora.

Kudhindwa kwekodha kunokwaniswa kunonyanya kuvimba nemashandisirwo emasangano, kuwanda kwemabasa ayo.

Iko kushandiswa kwevashandi venguva pfupi kunoshandiswa kune zviratidzo zvinoratidza bhizinesi rekuita, izvo zvinoratidza kuti zvakadini sangano rinoshandisa mari yayo. Kuti uverenge chikwata ichi, mari yekutengeswa kwezvinhu zvinotengeswa inofanira kugoverwa nemutengo (inowanikwa gore negore) yeakabhadharo inobhadharwa, inoratidza nhamba inodikanwa yezvokudzorera kubhadhara mari yebhadharo.

Kana uchitarisa kuwanikwa kwekfupi-kambani, zvinotevera zvinoshandiswa:

• Nguva yekubhadhara kwenguva pfupi (mumazuva);

• Kudhindwa kwenguva pfupi (mune dzimwe nguva).

Kudhindwa kwekwereti kunotambirwa kunotarirwa kuburikidza nechiyero chekuwana kubva kubva kutengesa kusvika kune chiyero chechirongwa chekukweretwa kwakabhadharwa. Avhareji yezvemari inobhadharwa inotsanangurwa sekuti mubhadharo webhadhara unowanikwa pakutanga uye pakuguma kwenguva iyo yakakamurwa neviri. Nguva yekubhadhara kwekodha dzinotengwa, somuenzaniso, mumazuva, inotsanangurwa nekuparadzanisa nguva mumazuva (kwegore inotorwa mazuva makumi mapfumbamwe nemakumi matatu) kuitira kutora kwenguva pfupi.

Inofanira kurangarirwa kukosha kwehurefu hwenguva yekunonoka - nguva yakareba iyi, inowedzera dambudziko rekusabhadhara kwemashure.

Muchiitiko chakanakisisa chinodikanwa kuti sangano rinotora chikwereti pamabhuku evanhu vane chikwereti kunyange zvisati zvave zvakakodzera kubhadhara chikwereti kune vane chikwereti. Kana kune mazuva akawanda mumazuva ekudzoka, izvi zvinogona kuratidza kuti hapana kukwana kuwana mari kuti iwane zvido zvezvino zvinowanikwa musangano nekuda kwekutengesa kutengesa, kuwedzera mari, kuwedzerwa kushanda kwemari.

Kune vanotora chikwereti, zvinoshandiswa kuti kubhadhara kwekodha kunokwaniswa uye, maererano nokudaro, chiyero chekutsvaga chiripamusoro, nepo kune bhizimusi kana sangano inobatsira zvikuru kuva nekokukwanika. Izvi zvinovabvumira kushandisa mari yacho kubva kuCZ isina kubhadharwa sechinhu chakanaka (chiri pachena) chitubu kuti vabhadhara mabasa avo emazuva ano.

Kudhindwa kweakabhadhara kuripo kunoratidzira mari (sekutonga, panguva yegore) yekubhadhara nehurongwa hwemareji yemari yenyaya dzayo dzinobhadharwa.