Kodi wopindula ndi ndani ndipo ndi mwini wake wopindulitsa (wopindulapo): malongosoledwe atsatanetsatane ndi tanthauzo la nthawi, ufulu ndi maudindo + zitsanzo za zikalata zotsitsa

Moni, owerenga okondedwa a Magazini azachuma a Ideas for Life! Munkhaniyi, tikufuna kukuwuzani omaliza wopindula (wopindula), ndani ali eni ake opindulitsa, momwe opindulira amasiyanirana ndi omwe akupindula nawo, ndi zina zotero.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Kupatula apo, chitukuko cha ubale wazachuma chimatanthauza kutuluka kwa maphunziro atsopano m'dera lino lazachuma, lomwe limasankhidwa pogwiritsa ntchito mawu apadera.

Pakapangidwe kazachuma pamsika, mabungwe amenewa akhala magulu a anthu omwe amapindula ndi mitundu yosiyanasiyana yazamalonda kapena amapeza ndalama pogwiritsa ntchito zida zachuma. Mawuwa amagwiritsidwa ntchito kutanthauza anthu otere.

Kuchokera pazomwe mungaphunzire:

• Wopindula - ndi ndani;
• Kusiyana pakati pa opindula ndi omwe amapindula nawo;
• Ndani mwini wake (mwini wake) ndi momwe mungatumizire zambiri za mwini wake - kwa ndani komanso chifukwa chiyani akufunikira;
• Momwe mungapewere kuphwanya ufulu wa omwe adzapindule - ufulu ndi maudindo
• etc.

Chifukwa chake, tiyeni tiganizire mwatsatanetsatane mfundo iliyonse.

Kuchokera m'nkhaniyi muphunzira chilichonse chokhudza lingaliro la "wopindula" (wopindula): ndani ndi chomwe chiri, kwa ndani ndi zidziwitso ziti za eni opindulitsa zomwe ziyenera kuperekedwa, ndi zina zambiri

1. Yemwe amapindula ndi ndani - malongosoledwe athunthu amawu 📝

Mawuwa amachokera ku liwu lachi French loti phindu, phindu.

Chifukwa chake, tanthauzo losavuta la mawu oti "wopindula"(Komanso wopindulaKodi ndiye amene akupanga phindu.

Mwanjira yosavuta, wopindula (wopindula)- Uyu ndiye munthu amene ali ndi chuma, zinthu zachuma ndi zina zamabungwe.

Pazochita zachuma, sizinthu zonse zimatsimikiziridwa ndi kuchuluka kwa ndalama zomwe mwalandira munthawi yapadera. Chiyembekezo ndi mayendedwe a ntchito yopanga phindu ndizofunikanso, ndipo apa gwero la kasamalidwe ka kayendetsedwe kazachuma ndikofunikira kale, chifukwa kuthekera kwa bizinesi iliyonse, kuchuluka kwa ndalama zomwe zalandilidwa, zimadalira pakugawa kwawo ndikugwiritsa ntchito.

Chifukwa chake, munjira yayikulu, opindula (opindula) amalingaliridwa osati anthu ndi mabungwe azovomerezekakukhala ndi ndalama kuchokera kuzinthu zina zachuma, komanso Anthu omwe amatha kuwongolera zochitika m'bungwe ndi katundu wake.

Ndiye kuti, omwe adzapindule ndi omwe ali ndi kampani inayake.

2. Omwe ali eni ake opindulitsa - tanthauzo 📝

Kutanthauzira kwalamulo kwa mwiniwake wopindulitsa kuli mu Federal Lamulo la Russian Federation No. 115 la 07.08.2001.

Malinga ndi tanthauzo ili:

Mwini wopindulitsa — izi ndizomunthu yemwe, mwachindunji kapena ayi, ali ndi gawo lalikulu m'bungwe lalamulo (zoposa 25%) komanso kutha kuwongolera zomwe mabungwe azovomerezeka.

Mchitidwe womwewo wokhala ndi tanthauzo umakhala ndi tanthauzo la wopindula monga munthu kuti athandizidwe pochita zinthu zokhudzana ndi ndalama ndi katundu, kuphatikiza pamgwirizano wofunikira (bungwe, chotsimikizika, kasamalidwe ka trust, Commission).

Yemwe amatchedwa mwiniwake wopindulitsa ndipo atha kukhala m'modzi

Kutengera kukula kwa ubale wazachuma komanso momwe zinthu ziliri pakutha katundu, tanthauzo la mawu oti "wopindula" lingathe kusiyana pang'ono.

Kutengera mtundu wa zochitika ndi malingaliro achuma, opindula akhoza kukhala:

• oloŵa nyumba omwe atchulidwa mu chifuniro monga anthu omwe amatenga malo ena kukhala ake kapena oyang'anira, komanso anthu omwe adzapindule nawo ngati wolandirayo atamwalira.
• eni nyumba omwe amabwereketsa malo awo kulipidwa pafupipafupi;
• osunga maakaunti aku banki;
• makasitomala amakampani odalirika omwe apereka katundu wawo kapena ndalama pomukhulupirira kuti apange ndalama;
• eni zilembo zolembedwa;
• anthu omwe amalandila ndalama malinga ndi mapangano a inshuwaransi;
• eni enieni amakampani.

Kuonetsetsa kuti ali ndi chitetezo chokha kapena kuti asatengeke ndi mabungwe osiyanasiyana aboma, mdziko lamakono lazachuma nthawi zambiri amabisala kuti abise zambiri za mwini wake wazinthu zina.

Izi ndizowona makamaka pazokhudza kayendetsedwe ka katundu ndi bizinesi yamalamulo.

3. Mwiniwake wokhala ndi bungwe lalamulo - ufulu ndi mawonekedwe 📋

Mwiniwake wokhala ndi kampani yalamulo Kodi m'modzi kapena angapo a eni eni mabungwewo ali nawo kulondola kapena mwayi kuwongolera kapena kuwongolera zochitika za kampaniyo.

Nthawi yomweyo, zambiri zamunthu wa anthu awa sizingawonetsedwe polembetsa ndipo zikalata zoyendetsera bungwe kapena kutenga nawo mbali kwawo pakampaniyo kumatha kutsutsidwa kwambiri.

Kudziwika kwa eni ake nthawi zambiri kumadziwika kokha wogwira ntchito kubanki ndipo ogulitsa malonda.

Wopindula ndi bungwe lalamulo atha kutenga nawo gawo pamsonkhano wa omwe akugawana nawo masheya ndi eni kampaniyo, pokonzanso bungwe lalamulo, liwu lake ndilopambana pothetsa mavuto okhudzana ndi kagawidwe ka phindu, kutenga nawo mbali kwamabungwe pazinthu zachuma.

Kusafotokozera zazokhudza eni ake enieni amagwiritsidwa ntchito pafupipafupi:

• pochita bizinesi pogwiritsa ntchito zigawo zakunyanja;
• pokweza misonkho m'mabungwe;
• pakuloleza ndalama zolandilidwa kuphwanya malamulo.

Kuonetsetsa kuti akutenga nawo gawo pantchito za bungweli osawulula zakudziwika kwake, zosiyanasiyana Ndondomeko zolembetsera katundu ndi zolemba pamutu.

Ndondomeko zoyambirira zolembetsera umwini wa omwe adzapindule (opindula). Mukamapanga mapulani ovuta kulembetsa umwini ndi malo okhala, ndikofunikira kumvetsetsa ndikugwiritsa ntchito bwino malamulo amisonkho omwe akugwiritsidwa ntchito Pokha pomanga ndi kayendetsedwe kabwino ka bungweli, adzakhala osadziwika, opanda msonkho kapena amisonkho yotsika, otetezedwa kuzinthu zopanda chilungamo za ena

Mwachitsanzo, wolandirayo amapeza mwayi wamaakaunti amakampani potengera mphamvu ya loya yomwe idaperekedwa mdzina lake ndi director director. Umwini wa katundu umagwiritsidwa ntchito kudzera mu umwini wa magawo omwe amakhala nawo kapena mwa kukhudza anthukuchita nawo masheya osankhidwa.

Kapenanso wopindulayo amapangana mgwirizano ndi trasti yosamalira magawo amakampani, kupeza maakaunti a bungwe komanso kutha kuwayang'anira, wolandirayo amalandira kudzera mwa trastii.

4. Ndani apindule kwambiri - tanthauzo 📖

Tanthauzo la mawuwa - wopindula wamkulu

Mndandanda wa opindula nthawi zonse umatha ndi munthu wina yemwe amalandira phindu linalake. Ndi munthu woteroyo amene amapindula kwambiri.

Mwa njira iyi, wopindula kwambiri — ameneyu ndi munthu payekha kupindula ndi zochitika pakampani kapena kasamalidwe ka katundu.

5. Kusiyana pakati pa mwini phindu ndi wolandira ndiye kusiyana kwakukulu 📊

M'magwero angapo, malingaliro wopindula ndipo wopindula ndi ofanana, nthawi yomweyo, m'malamulo aku Russia, mawu awiriwa ali ndi zosiyana.

Lingaliro la wopindulira ndilopapatiza. Kuti awonedwe motero, wopindula ayenera kukhala zoposa 25% kugawana nawo likulu la bungweli ndikukhala ndi mwayi wogwiritsa ntchito kampaniyo.

Pachifukwa ichi, olamulira pakulimbana ndi zomwe zachitika mosavomerezeka ali ndi chidwi ndi eni eni makampani, monga anthu omwe atsata mfundo za bungweli ndikusankha zachinyengo zomwe zingakhale zosaloledwa.

6. Ndani amafuna kudziwa zambiri za eni ake opindulitsa komanso chifukwa chiyani 📌

Zambiri za umwini ndizofunikira kwa mabungwe aboma kuti muthane:

• kulembetsa ndalama kuchokera kuzolakwa;
• Kupereka ndalama zachigawenga ndi mabungwe ena ophwanya malamulo;
• Kuchotsa ndalama mosaloledwa kunja.

Kwa mabungweKuchita bizinesi yobwereketsa, zidziwitso za omwe adzapindule ndizofunikira posankha zopereka ngongole. Kutengera kudziwika kwa wopindulayo, mbiri ya kampaniyo komanso kuopsa kwakubwereketsa kwake kumayesedwa.

Kupereka zidziwitso za omwe adzapindule pomupempha ndalama kubanki ndikofunikira kwa mabungwe omwe akufuna kulandira ngongole kapena kutsegula akaunti ku banki.

Kuti titumize zambiri za eni ake opindulitsa, timalimbikitsa kutsitsa zikalata zoyeserera:

Zambiri za eni ake (doс. 60.5 kb)

Zambiri zamakampani opindulitsa pazolinga za Federal Law 115 - Sberbank Fomu (doc. 139 kb)

Zitsanzo zakudzazidwa (gawo 1)

Zambiri za eni ake opindulitsa - chitsanzo chodzaza fomu ya Sberbank, gawo 1

Nthawi yomweyo, mabungwe azangongole ku Russia Ayenera kupereka chidziwitso kwa omwe adzapindule ndi Rosfinmonitoring.

Kulephera kutsatira lamuloli kumatha kubweretsa chindapusa kwa mabungwe omwe akuchita nawo zachuma:

• otenga nawo gawo pamsika wachitetezo;
• Makampani a inshuwaransi;
• malo ogulitsira;
• kubwereketsa makampani (Kodi kubwereketsa ndi chiyani, ndalemba kale m'nkhani yapita);
• mabungwe angongole.

Ndani akufuna kudziwa zambiri za eni kampaniyo komanso chifukwa chake, kuphatikiza omwe adzapindule nawo

Zambiri za eni eni angafunsidwe kuchokera ku kampaniyo komanso nyumba ndi mabomakomanso zofananira mabungwe azamalonda.

Kuphatikiza pakuthana ndi zinthu zosaloledwa ndi chinyengo cha zandalama, zidziwitsozi zitha kupemphedwa pomaliza mapangano osiyanasiyana ogula anthu.

Mukamapereka chidziwitso chokhudza eni ake, chikalata chimalembedwa chokhala ndi zambiri za eni kampani, mpaka anthu omwe amayambitsa mabungwe omwe ali mgululi.

Kalata yotereyi imatchedwa "Zambiri zamtundu wa umwini, kuphatikiza omwe adapindula", Ili ndi zambiri zokhudza dzina la kampaniyo, oyang'anira ake, zambiri za omwe adayambitsa (Zambiri zamakampani, zidziwitso za pasipoti, ma adilesi okhalamo anthu).

Chitsanzo chodzaza chikalata:

Chitsanzo chodzaza chikalatacho "Zambiri zamtundu wa eni". Mutha kutsitsa chikalatacho pansipa ulalo.

Tsitsani chitsanzo chodzaza ndi zitsanzo:

Zambiri zamakampani omwe ali ndi eni, kuphatikizapo omwe adzapindule nawo + malangizo oti adzaze (doc. - 41.6 kb)

Tebulo (Mwachitsanzo), komwe ndi zidziwitso ziti zomwe muyenera kufotokoza:

№	KOGONA KOLIPITSA	OGRN	Dzina lalifupi	ZABWINO	Dzina lonse	Mndandanda ndi nambala yazolemba za manejala
1.	7733267890	1043367890123	LLC "Tulip"	Alimbir2010	Ivanov Andrey Viktorovich	5133 148317
2.	...	...	...	...	...	...

7. Ufulu ndi maudindo onse a omwe adzapindule nawo (opindula) 📑

Wopindulitsayo ali ndi ufulu wambiri wotetezedwa ndi lamulo. Mwachilengedwe, chitetezo chamalamulo chimatsimikizika zolembetsa zolembetsa zokha ubale pakati pa wopindula ndi omuthandizira - kampani yosankhidwa ndi eni maakauntipa.

Wopindula ali ndi ufulu:

• taya gawo lawo pantchitoyo. Wopindula akhoza, mwachitsanzo, kugulitsa gawo kapena gawo lake lonse;
• kuyang'anira momwe ntchito ikuyendetsedwera ndi oyang'anira kampani, kusankha ndikuchotsa mwalamulo woyang'anira wamkulu;
• kutenga nawo mbali pamisonkhano yothandizana nawo mderalo, malinga ndi gawo lomwe ali nalo, amatenga nawo mbali popanga zisankho;
• amalandira ndalama kuchokera kuzinthu zomwe kampani imachita malinga ndi kuchuluka kwa masheya.

Ntchito ndi ufulu wa wolandiridwayo zimasiyanasiyana kutengera gawo la ubale wazachuma momwe munthuyo amapindulira.

Mwachitsanzo, ngati kampani itenga nawo gawo pakupindula pakupereka zitsimikiziro ku banki, imakakamizidwa kukwaniritsa nthawi yoyenera mgwirizano.

Poterepa, kampani yopindulayi ili ndi ufulu wokwaniritsa zomwe zili kubweza ngongole yomwe bungwe la guarantor lidachita.

8. Kutenga nawo gawo kwaopindula (opindula) mu inshuwaransi ndi cholowa

Wopindula (wopindula) mu inshuwaransi - awa ndi anthu omwe amalandila ndalama za inshuwaransi pakachitika inshuwaransi (ndi mapangano a inshuwaransi omwe adamaliza kale).

Poterepa, wopindula zosafunika ndiye munthu kapena mwiniwake wa malowo, inshuwaransi malinga ndi malondawo.

Mwachitsanzo, mukalandira ngongole yanyumba yanyumba, inshuwaransi imakhala ya inshuwaransi yomwe imakhala ya wobwereka, ndipo wolandirayo akawonongeka kapena kuwonongeka kwa chuma chomwe chalonjezedwa, padzakhala wobwereketsa... Osachepera mpaka wobwereketsa akwaniritsa mfundo za mgwirizano wa ngongole.

Yemwe adzapindule ndi inshuwaransi atha kutsimikizidwa ndi munthu yemwe ali ndi inshuwaransi. Mwachitsanzo, mu inshuwaransi ya moyo, wolandira inshuwaransi akhoza kukhala wokwatirana ndi munthu wa inshuwaransi.

Mu nkhani za cholowa Wopindula akhoza kusintha kutengera ndi chifuniro cha woperekayo kapena chifukwa cha kumwalira kwa anthu omwe awonetsedwa mu chifuniro. Chifukwa chake, chuma chitha kuperekedwa kwa wachibale yemwe woperekayo asunga kuyang'anira ana aang'ono.

Kapenanso mchimwene wa womwalirayo amafotokozedwa mu chifuniro, koma atamwalira asanalandire cholowacho, malowo adzalandiridwa ndi olowa m'malo a mchimwene (olowa m'malo mwa kuyimilira).

Chifukwa chake, pakugawa cholowa, opindulawo adzakhala anthu omwe awonetsedwa mu wilo komanso anthu omwe ali ndi ufulu wolandila cholowa mwa lamulo.

9. Kutenga nawo gawo kwa omwe adzapindule ndi banki chitsimikizo 📃

Kubanki, ntchito yopereka chitsimikizo ku banki tsopano ndiyofala.

Pomaliza mgwirizano pakati pa magulu awiri, bungwe lomwe limapereka chitsimikizo chotere limaperekedwa pokwaniritsa zomwe gulu likuchita kapena kuchitira mgwirizano wonse.

Mgwirizanowu umakhala mgwirizano wamitundu itatu, ndikuchita nawo:

• guarantor (bungwe lomwe limapereka chitsimikizo);
• wopindula (phwando lomwe, mwachitsanzo, mphotho ya ndalama iyenera kulipidwa pokwaniritsa zofunikira kapena kupereka ntchito zina);
• wamkulu (chipani chofunsira chikole kubanki).

Kutenga nawo gawo kwa wamkulu ndi wolandira mwayi kubungwe la chitsimikizo - dongosolo ndi momwe amagwirira ntchito

Ndani omwe ali wamkulu komanso opindula mu chitsimikizo cha kubanki - kusiyana ndi zina zapadera

Wamkulu ndi Wopindula - awa ndi magulu otsutsana mwamalamulo. Poterepa, wothandiziridwayo ndiye amene adzakhala wobwereketsa, koma wamkulu ndiye amene ali ndi ngongole, pomwe wina (guarantor) amaganiza kuti walephera kukwaniritsa zomwe akukakamizidwa.

Zitsimikizo zakukwaniritsidwa kwa mgwirizano zingaperekedwenso kuti zitsimikizire:

• kulipira muzochitika zina;
• Kubwezera zolipira pasadakhale;
• Kukhazikitsa ntchito pamagulu osiyanasiyana ndi ntchito, kuphatikiza boma.Chitsimikizo ku banki chimaperekedwa ndi kontrakitala kuti atsimikizire kusungika kwachuma kwake;
• kusuntha katundu kudzera mumiyambo;
• Kubwezera ndalama zomwe zimaperekedwa pangano la ngongole.

Ngakhale dzinalo, pochita izi zitsimikiziro zitha kuperekedwanso. makampani a inshuwaransi ndipo mabungwe azamalonda pempho la wamkulu. Izi ndi za kuchuluka kwa mikangano yalamulo ku Russia.

Kumbali imodzi, kupereka kwa zitsimikiziro kumakhudzana mwalamulo ndi mabanki, ndipo mbali inayo, kuletsa anthu omwe amakhala ngati guarantors kuti akwaniritse zofuna zawo kumatsutsana ndi machitidwe apadziko lonse lapansi ndikuchepetsa mopanda tanthauzo chida chachuma ichi.

Pogwira ntchito zomwe nyumba yamalamulo yaku Russia imagwiritsa ntchito ngati banki, kampani ya inshuwaransi itha kulipitsidwa chiphaso kapena chiphaso chake chitha kuchotsedwa, chifukwa cha makampani aku inshuwaransi omwe akuwoneka kuti ndiwokhoza kuchititsa kuti awonongeke.

Omwe adzapindule ndi kugundana kotereku atha kukhala mabungwe amabanki omwe akukakamira zofuna zawo ndipo pakadali pano ali ndi ulamuliro ku Russia wokhala ndi ufulu wokhala nawo mapangano ngati guarantor. Mtengo wotsimikizira ku Bank umasiyana kuchokera 2 mpaka 10% kuchokera pamalipiro olipira.

Yemwe amapindula nawo mwachindunji kubanki yakutsimikizira ndi phwando lomwe guarantor amalipidwa chipukuta misozi ngati wamkulu walephera kukwaniritsa udindo wake malinga ndi zomwe akuchitae.

10. Kuwongolera anthu ndi makampani akunyanja 🗺

Kumtunda ndi dziko kapena gawo la boma lomwe lili ndi zochitika zosavuta kuchita bizinesi. Tsatanetsatane wazamtunda - zomwe iwo ali, pamene kuli bwino kuzigwiritsa ntchito, tidalemba m'magazini yomaliza.

M'madera azachuma otere, pali mipata yayikulu yobisa deta kwa eni eni eni amabizinesi chifukwa cha boma lapadera lolembetsa ndi kupereka malipoti kwa omwe siomwe akukhalamo.

Malamulo a mayiko ambiri nthawi zonse amapereka ziletso zosiyanasiyana kuti nzika zizichita zinthu ndi mabungwe omwe adalembetsedwa kumayiko ena. koma chiletso chathunthu sichikugwiritsidwa ntchito kulikonse.

Lingaliro la "wolamulira" lidagwiritsidwa ntchito mawu oti "wopindula" asanatuluke m'malamulo apakhomo. Kuti mwinimwini wa gawo pa bizinesi agwire tanthauzo ili, zinali zofunikira kukhala nazo Molunjika kapena mwanjira zina ndalama zoposa 50% zamakampani kapena mavoti mu bungwe lolamulira. Kukula kwa kutenga nawo mbali mu bungweli ndi komwe kunatsimikizira kupezeka kwa mwayi woyang'anira bizinesiyo.

Njirayi idasokoneza ntchito yazamalamulo, chifukwa kuti tipewe udindo, zinali zokwanira kugawa malo pakampaniyo pakati pa eni atatu (ie mwini 49 % magawo abungwe adachoka pantchito).

Kukhazikitsidwa kwa opanga malamulo kwakunyumba kwa mawuwa "wopindula", Amaloledwa kuchepetsa kusiyana pakati pa matchulidwe ndi zenizeni za zochitika zachuma, kuyang'ana makamaka kuthekera kolamulira bungwe.

Panopa pansi Anthu olamulira ndi omwe ali nawo osachepera 10% magawo amakampanizomwe zimawapatsa ufulu wovota, komanso omwe ali ndi maudindo m'bungwe lomwe limawalola kutsogolera zisankho pakampani.

Kuteteza ufulu wa wopindula kuchokera kuchitidwe cha ena - malingaliro oyambira

11. Kuphwanya ufulu wa wothandizidwayo - malingaliro ake poteteza ufulu 📄

Ufulu wa wopindulayo ungaphwanyidwe ndi eni mabizinesi ena onse komanso oyang'anira bizinesi yake.

Njira zazikulu zakuphwanya ufulu wa eni eni ndi izi:

1. Kulephera kutsatira mgwirizano womwe wapangana pakati pa eni kapena ndi omwe akuyang'anira kampani;
2. Kuchita zinthu zoletsedwa ndi bungwe, kuphatikiza popanda chiphaso;
3. Kuchepetsa kuthekera kwa wopindulayo kuwongolera zochitika m'bungwe;
4. Kubisa zomwe kampani ikuyang'anira pazomwe zikuchitika mgululi;
5. Cholepheretsa kulandira ndalama kuchokera kuzinthu zakampani kapena kasamalidwe ka katundu.

Pofuna kupewa zovuta zoyipa zakuphwanya ufulu wa wopindulayo, tikulimbikitsidwa kumaliza mapangano olembedwa, kuphatikiza mapangano okhulupirirana.

Mapangano oterewa atha kuonetsetsa kuti osafotokozeredwa za wopindulayo komanso mwiniwake wa malowo kapena kampaniyo, komanso kupereka mwayi wobwezera zochitikazo mosaloledwa kapena mopanda phindu.

12. Kodi pali mabungwe opanda opindula?

Mabungwe omwe alibe opindula atha kukhala mabungwe osiyanasiyana osachita phindu, popeza cholinga chawo kupanga phindu.

Ponena za mabungwe azamalonda, ndiye kuti, ngati pali phindu, palinso anthu omwe amalandila ndalama. Komabe, nthawi zambiri sikutheka kukhazikitsa omwe adzapindule kwambiri.

Chifukwa chake, ngakhale pali mphamvu zazikulu komanso kuthekera kwa mabungwe amabanki ndi mabungwe aboma kukhazikitsa omwe adzapindule, malingaliro omwe alipo kale obisalira eni eni bizinesiyo amakulolani kuti musunge chinsinsi cha opindula onse, makamaka pakawongolero ka bizinesi kapena katundu.

Potengera zachilendo za lingaliro loti wopindulira pachuma, kugwiritsa ntchito mawuwa, tanthauzo la ufulu, maudindo ndiudindo wa omwe adzapindule nawo pokhazikitsa zochitika zamabungwe azamalonda oyang'anira ndi kasamalidwe ka zinthu zosiyanasiyana, sichinakule bwino.

Izi zikulepheretsanso kutenga nawo mbali andale osiyanasiyana komanso ogwira ntchito zaboma pakuwongolera mthunzi wazinthu zosiyanasiyana zachuma ndi katundu.

Nthawi yomweyo, ndikupereka chidziwitso chazowonekera za eni eni eni ake, magawo ndi magawo m'mabizinesi, makamaka omwe ali ndi kuthekera kosamalira mabungwe, amalola kusintha magwiridwe antchito amisonkho ndipo kuteteza otenga nawo mbali pamsika weniweni kuti asatengeko mbali pazinthu zabodza zosiyanasiyana komanso zosavomerezeka.

Pomaliza, tikupempha kuti tiwonere kanema wonena za amene amapindulapo komanso ngati pali kusiyana kwakamalingaliro kakuti "wopindulitsa" ndi "wopindula":

Okondedwa owerenga magazini "RichPro.ru", ngati muli ndi mafunso kapena mukufuna kugawana zomwe mwakumana nazo pamutuwu, lembani ndemanga pansipa.

Onerani kanemayo: Yossi Desser - קינדער יארן (July 2024).