Share igalelo kunye nobukhulu bayo

Pai njengengqiqo ekhuselwe ngumthetho. Le nkcazelo ingqamana isabelo igalelo. Umthetho umisela ukuba njengepesenteji umnikelo impahla yalo ngamalungu zokuvelisa okanye yabathengi entsebenziswano yezolimo (umzuzwana) okufikelela ngakumbi yemisebenzi yoqoqosho.

Ingaba kukho umahluko phakathi kwala magama mabini?

Nangona la magama ezimbini kudityaniswe omnye komnye, zahluke. Pai na yepropati sele ephethwe op kunye namalungu ayo yahlulahlulwe, kunye negalelo macala kwamalungu lwentsebenziswano - le ipropati leyo yenza nxaxheba ngamnye emazantsi umzuzwana.

Imithetho entsebenziswano yezolimo ubonelela ngokuba isabelo akunalo iminikelo ezivela kumalungu, kodwa emnatheni asethi op imveliso yezolimo. Noko ke, ubukhulu balo kuphela kwipropati, nto leyo yenza ilungu, bajoyine lwentsebenziswano.

Yintoni ingxowa-mali efanayo?

Yonke impahla op yezolimo yahlulwe phakathi nxaxheba bayo ezivakaliswa ngokwemimiselo yezemali. Le ngaphandle kukuba nemali abahlukaniswa phakathi nxaxheba.

Izabelo impahla Association kwaye enze mali efanayo. Zonke ezi siseko elibekwa sisekelo lwentsebenziswano. Eqokelelwe ishishini kwipropati, ubaleke. Kuxhomekeka isakhiwo yayo yelo ubukhulu ixhomekeke umsebenzi nxaxheba ngamnye kule khosi umsebenzi.

nemirhumo yogunyaziso

Kwakhona safaka sisekelo lwentsebenziswano, yaye emva kokufika kwabo zabelo banelungelo:

• amazwi;
• nokuthatha inxaxheba kwimisebenzi;
• ukufumana izibonelelo;
• sebenzisa iinkonzo zentsebenziswano;
• ukuthembela umholo.

Ngelo xesha linye ukusungulwa isabelo kunye nesabelo zinika amathuba ezahlukeneyo ilungu co-op. Kakhulu lulula kuvakala ngathi: elikhulu ubungakanani igalelo, kokukhona iinzuzo ngexesha umsebenzi kwezoqoqosho kunye ephezulu imali. Ukuba igalelo yayincinane, kwaye ubukhulu iyunithi incinane.

imali engaphezulu

It is a isabelo ngokuzithandela igalelo nxaxheba ngamnye ungenza encotsheni unit afunyenwe ngenxa yokuqalisa imali mandatory zokungenela wobunye.

Oku ifakiwe imali zombini iminikelo ezisisiseko kwaye ezongezelelweyo ukuthetha ngento ilungu ngalinye uza kufumana intlawulo emva kokupheliswa imisebenzi op okanye ukurhoxiswa yayo ngokuzithandela kulo.

Oku kungenxa yokuba ii-asethi zizonke lwentsebenziswano kunye zabelo yesifundo ngasinye amalungelo jikelele kunye nezibophelelo. Xa oku impahla angamelwa ulingano waboleka, nekufuneka ukuba ngaphezu kwe-60% kuzo zonke iindlela eziqokelelweyo lwentsebenziswano. Ngu impahla nxaxheba zenkqubo ziquka:

• izibambiso;
• izinto;
• amalungelo impahla.

Isixa-mali waboleka elingekho ngaphezu kwama-60% ibonisa yokuhlawula amatyala lombutho kwaye iqinisekisa babatyalayo ukuba uhlawule ityala ezithathiweyo.

Yintoni ingxowa-mali efanayo?

Phambi ekuqaleni imisebenzi lwentsebenziswano wenziwe zabelo yokuhlangana apho ukwamkela yedolophu nimise ubungakanani igalelo, nto leyo nayo ngokuqinileyo imimiselo yakho.

Ukuba unayo imibuzo ekusekweni kwengxowa-mali macala kunye nophuhliso amaxwebhu eprojekti yemisebenzi lwentsebenziswano kuhlawulwa yiKomiti ngemiba yombutho.

Ekuhambeni imicimbi ukuze izilungiso kuMgaqo-siseko yexabiso igalelo. Ekubeni ezi data zinxulumene ngamnye umbutho, umthetho esisigxina utyando oluntsonkothileyo izenzo ezinjalo, oqala kwintlanganiso zabelo 'neliphela nokubhaliswa kwezi utshintsho kuxwebhu elawula iintshukumo zombutho.

Ubukhulu mali mutual angandiswa ngeendlela ezimbini:

1. Ukuba amalungu negalelo mali ezongezelelweyo ukulungiselela uphuhliso lwemveliso ngenxa iintlawulo ezenziwe op.
2. Ngenxa nokugaywa kwamalungu amatsha senkqubo yemveliso kwandisa inani lezabelo.

Ukukhula mali efanayo kwenzeka kuphela xa kwintlanganiso kawonke uninzi lwamalungu ayo uvotele kuyo.

kufuneka ibe yintoni na isavenge sokuqala?

inxaxheba ngalinye lombutho mveliso de ubhaliso lwalo kufuneka ekhulwini hayi ngaphantsi kwe ezilishumi (kwaye odla lwentsebenziswano 25%) yexabiso igalelo, nto leyo kuthathwa kuyimfuneko.

I-90% okanye 75% ngokulandelelana, oko sikwenze imali share zizonke, kodwa kuphela kubomi kwimveliso kunyaka wokuqala. Ixabiso mali mutual inokwahluka phezulu okanye ezantsi emva amalungu op yokuhlangana.

Lonke utshintsho iseti nemigaqo yeziko ibhalwe ngokungqinelana nemigaqo emiselwe ngumthetho.

fund ayahlukahlukenanga

Yena lilungu op kuthetha abo ayilingani kwiyunithi izabelo kunye, ngokufanelekileyo, abahlukaniswa phakathi kwamalungu umzuzwana.

Ngevoti yesininzi paov angaya-mali ayahlukahlukenanga, ngenxa yoko, ubukhulu isabelo-nxaxheba ngamnye kuyehla ngokomlinganiselo imali, kudluliselwa kuye.

Kwisithuba seeveki ezine emva kokuba utshintsho kwizabelo ziza kubhaliswa imimiselo ku yaye uya kungena ukusebenza, kuyimfuneko ukwazisa abatyalwayo ze op. Ukuba bathe abahlutha, balala kunye idata entsha, iiveki ezingama-24 emva kokupapashwa kotshintsho babeka phambili iimfuno zabo, kufuneka zenziwe.

Yintoni ingeniso sakhiwa?

Nekofu ke lona ngokupheleleyo, nto leyo imiselwe ezimali e Ibhaliswe babo kwinkqubo yokufunda nokuhlola impembelelo ekupheleni eseleyo konyaka.

Loo ntlawulo, nto leyo eza kufumana nxaxheba zenkqubo yemveliso, ayinakutshintshwa ngokomthetho okanye charter lombutho.

Ngokuqhelekileyo, intlawulo ixhomekeke kuhlobo nxaxheba isabelo zomqeshwa ngamnye op kuthatha phezu ishishini.

Zonke bokuqonda malunga ukwahlulwa ingeniso phakathi nxaxheba zemveliso, kuxoxwe kwaye yamkelwa zonke zabelo kunye. Ezi ntlanganiso ziya kubanjwa zingaphelanga iinyanga ezintathu emva kokuba uphelile loo nyaka-mali.

Kufuneka kukhunjulwe ukuba intlawulo yenziwa emva kokuba onke intlawulo mandatory imali ye pension kunye nokhuseleko loluntu kunye nenkonzo irhafu.

Njengoko ingeniso yahlula co-op?

Ingeniso, echazwe ekupheleni konyaka, akuba wafunda lomncono, yahlulwa phakathi kwamaqela ngolu hlobo lulandelayo:

1. A inxalenye ethile iya ebekelwe kunye nezinye iimali eqhelekileyo co-op, ezo abahlukaniswa kwaye elibekwa yitshata mbutho.
2. Ngokusekelwe izenzo ezikhoyo zomthetho ze-mali ngqo kwintlawulo amatyala irhafu kunye nezinye iintlawulo ngokweebhajethi kwamanqanaba eziyimfuneko.
3. Ukuhlawulwa kwemali, kodwa hayi ngaphezulu kwe-30% yamanqaku ewonke, ngokuba ukwahlula nxaxheba op.

Ixabiso kunikezelo mali kuxhomekeke kwisiphumo lomncono ekupheleni konyaka.

Indlela ukwahlula intlawulo op?

Iintlawulo ezo ingeniso-zabelo kunye nombutho liphela, zihlukaniswe:

1. Ngentlawulo umvuzo ukuze abasebenzi op, abangengabo phakathi zabelo ngokomlinganiselo inxaxheba kwabo kwimisebenzi mbutho.
2. Xa onke amalungu enaningamkelanga wona umvuzo wabo, abuthe bonke abanini-zabelo kunye nokuqwalasela ingeniso eseleyo ukwandisa izabelo zabo. Noko ke, eli xabiso mayingagqithi 80%.
3. Ezinye kwingeniso iya imivuzo zabelo.

Ukusebenzisa iinzuzo ukuba andise isabelo

Iintlawulo inkampani kusetyenziswa ngolu hlobo lulandelayo:

1. Ukuba abaqhubi ishishini Sithathe isigqibo ngokuncama ezi mali ukunyusa ingxowa-mali efanayo, imali zithunyelwa.
2. Imali zingathunyelwa entsebenziswano ukuhlawula amalungu, izabelo zawo impahla, abangancedekanga kodwa zingekahlawulwa ngenxa, kwaye ixesha sele liyaphela.

Kule kwetu inokuba nokuba ngokupheleleyo okanye ngokungaphelelanga. Oku kunokwenziwa, ukuba op unalo izakhiwo igqithe ixabiso-mali mutual esekwe yi kula maphepha. Kuquka ingqalelo kunye nentlawulo op, ezilungiselelwe ukunyusa ingxowa-mali share. Nangona akayi kuba zinikezelwa ngokupheleleyo, imali okuhlawula iintlawulo zinendlela ezihambe ngayo.

Ezi nketho ke okuhlawula iminikelo isabelo amalungu enxulumene op, oko kukuthi, abo bantu okanye amaqumrhu ukuba isakhiwo zabo baze bafumane izahlulo kuyo. Kwangaxeshanye, baya kuthwala ingozi yomonakalo ukuya entlanganweni.

Lunoxanduva babatyalayo weebhere lwentsebenziswano?

Ewe, uvelisa! Umthetho we-Russian Federation umisela liability.

Kwimeko engagqibekanga ye izibophelelo yayo amatyala alo mbutho ulahlekelwa yonke impahla yakhe. Kulo mzekelo, kuya kufuneka ukuba unike kuphela imali yabo kunokuba ungaboleki kuzo.

Op akanaxanduva izibophelelo amalungu ayo ngalinye, ngaphandle kokuba, kakade, nto ezo zikokosiweyo kumGaqo-mthetho.

Yintoni na ubutyala ngezenzo?

Oku ke luxanduva amalungu zentsebenziswano ze-non ukuthotyelwa nezibophelelo zawo.

Oku kulawulwa ngumthetho yaye idityaniswe imbopheleleko eyintloko yentlangano elivela xa akunakwenzeka ukuhlangabezana nazo zonke izigxina imibuzo amatyala lwentsebenziswano. Umthetho umisela mpawu zilandelayo:

1. Abathathi-production uxanduva ngemali yeefizi naleyo eboniswe kwi yitshata op. Kulo mzekelo ixabiso layo akufuneki igqithe 0.5% ubungakanani ngesakhiwo obuphezu imali esisiseko.
2. Ixabiso bentlawulo yamkelwe sisininzi seevoti kwintlanganiso jikelele, kodwa kufuneka ibe ngaphezulu kwe amaxabiso zomthetho.
3. Ixabiso owamkelweyo charter op leyo ivunyiwe.

Ngamanye amazwi sinokuthi ukuba zabelo agubungele amatyala amatyala, xa co-operative akanayo le mali kunye nempahla.

Le iilahleko op

Iilahleko Sijonge ekupheleni konyaka kwi-balance sheet. Zahlula phakathi zabelo ngokungqinelana umvuzo wabo.

Ubuyisela ngenxa ngokuyintloko sizigcinele imali okanye ukwenza imirhumo eyongezelelekileyo unit lwentsebenziswano.