Kuvumelanisa Imali Lengenako Nelicebo Lemalanga Langu-90 Lekwenta Kutsengisa Kube Ngekwedijithali

Kuvumelanisa imali lengenako kusho kuhlanganisa yonkhe imali letfunyelwe lefika ku-akhawunti yakho ne-invoyisi nobe ema-invoyisi leyiwakhokhelako ngalo lilanga leyifika ngalo, hhayi ekupheleni kwenyanga. Ngako litiko lekuciwa kwetikweletu liyati kutsi ngubani lokhokhile ngempela bese liyekela kumjaha, nobe nguliphi linani lelifika lingenayo inkomba lihlala emugceni lonemnikati wawo, futsi umnikati webhizinisi uyati kutsi ingakanani imali letawungena emavikini lambalwa latako ngaphambi kwekutibopha ekutsengeni lokukhulu. Encenyeni yesitfupha yonkhe i-invoyisi yatfola ikhalenda yekuciwa kwetikweletu nelirekhodi letitsembiso tenkhokhelo. Lencenye yesikhombisa neyekugcina icedzela lendlela: timo letintsatfu letidida kuvumelanisa nemathulusi lamane latixazululako, bese kuba kubuka kugeleta kwemali liviki ngeliviki, bese kuba lilicebo lemalanga langu-90 lekwenta kutsengisa kube ngekwedijithali ngekulandzelana lokungakumisi kutsengisa ngisho nalilanga linye.

Timo letintsatfu letishiya imali lengenako ingenalo likheli

Etinkampanini letinyenti, kuvumelanisa imali lengenako kusetandleni temgcinimabhuku munye lovula sitatimendi selibhange, afundze libito lalotfumele, futsi akhumbule kutsi nguliphi likhasimende lelikhokha ngayiphi indlela. Sitatimendi ne-spreadsheet ngemathulusi lamahle, futsi umgcinimabhuku lowati kutsi imali letfunyelwa ngulelinye likhasimende ifika ngelibito lenkampani lenkhulu yalo ulusito lwempela ebhizinisini. Kodvwa kuvumelanisa kuyakhubeka etimeni letintsatfu letiphindzaphindzekako:

• Imali letfunyelwe lengenayo inkomba. Linani lifika ngelibito lelifinyisiwe, nobe ngelibito lenkampani lesisekelo leyakulelo khasimende, lingenayo inombolo ye-invoyisi. Imali ihlala ku-akhawunti, likhasimende lisahlala lisalele ngemuva embikweni weminyaka yetikweletu, futsi litiko lekuciwa kwetikweletu lingalishayela kusasa liliphikelela ngelinani lelase lilikhokhile.
• Imali letfunyelwe kanye lekhokhela ema-invoyisi lamanyenti. Litiko letimali lelikhasimende lihlanganisa ema-invoyisi enyanga abe yinkhokhelo yinye. Nangabe kute lowati kahle kutsi lelinani limboza muphi ema-invoyisi, liyabelwa ema-invoyisi lamadzala ngekucagela, ngako i-invoyisi likhasimende lelalingakahlosi kuyikhokha iyavalwa, kantsi lenye leyikhokhile ihlala ivulekile.
• Inkhokhelo lencane kune-invoyisi. Likhasimende likhokha i-invoyisi kukhishwe linani lemugca lelilwisana nawo: intfo leyafika yonakele, kuvakasha kwekulungisa lelitsi akuzange kwenteke, nobe linani ku-claim yenchubekelembili lelingakalivumi. Nangabe linani libhalwa lodvwa ngaphandle kwesizatfu, umehluko uba libhalansi lelincane lekute lowati indzaba yalo ngemuva kwetinyanga letimbili.

Loku akusho kutsi likhasimende kukhona lelikufihlako. Litiko lalo letimali lisebenta ngendlela yalo futsi likhokha njengobe belilokhu likhokha. Imphendvulo kulinika indlela levumela yonkhe imali letfunyelwe kutsi itfole i-invoyisi yayo, nekuphatsa loko lokusala kungenalo likheli endzaweni yinye lebonakalako.

Emathulusi lamane lavumela yonkhe imali letfunyelwe kutsi itfole i-invoyisi yayo

• Inombolo ye-akhawunti lekhetsekile kulelo nalelo khasimende, nangabe libhange lakho linayo. Nangabe libhange lakho liniketa tinombolo te-akhawunti tavelimuva letixhumene ne-akhawunti yakho lenkhulu, nika lelo nalelo khasimende inombolo yalo, lephrintwe kuma-invoyisi alo nakusitatimendi salo. Ngako imali letfunyelwe iveta lotfumele ngenombolo leyifike kuyo, noma lokhokhako angakabhali nayinye inkomba. Buta libhange lakho ngalesevisi nemibandzela yayo ngaphambi kwekwakha phezu kwayo.
• Inothi yenkhokhelo levela ekhasimendeni. Cela litiko letimali lelikhasimende kutsi ngayo yonkhe imali letfunyelwako litfumele inothi lebala ema-invoyisi leyiwakhokhelako nenani lalelo nalelo, kulikheli linye le-imeyili lelibekelwe imali lengenako, hhayi ebhokisini le-imeyili lemtsengisi. Phrinta leso sicelo, kanye nenombolo ye-invoyisi lokufanele ibhalwe enkombeni yemali letfunyelwako, ku-invoyisi ngekwayo nakusitatimendi senyanga, ngako sicelo sihamba nawo wonkhe umbhalo.
• Kungeniswa kwesitatimendi selibhange onkhe malanga. Esikhundleni sekuvula sitatimendi ekupheleni kwenyanga, imisebenti yalelo nalelo langa ingena ku-sistimu ngalo lelo langa: lifayela lelilandzwe ku-phothali yemabhizinisi yelibhange, nobe kuxhumana lokucondzile lapho kutfolakala khona. Luhlaka Lwekubhanga Lokuvulekile lolwakhishwa yiBhange Lelikhulu laseSaudi lwagcila, enguculweni yalo yekucala, kuSevisi Yelwati Lwe-akhawunti, levumela emakhasimende elibhange kutsi abelane ngelwati lwawo lwetimali ngekuphepha nemhlinzeki wangaphandle, njengobe sachaza ku-Kubhanga Lokuvulekile eSaudi Arabia. Bese sistimu iphakamisa kuvumelanisa kusukela enombolweni ye-invoyisi lesenkombeni, ku-akhawunti lekhetsekile yelikhasimende, nobe enanini lelifanana ne-invoyisi yinye kuphela levulekile yalelo khasimende, bese umgcinimabhuku ayavuma.
• Imali lengakabelwa njengemugca lobonakalako lonemnikati wawo. Onkhe emanani lekungatiwa ema-invoyisi awo aya emugceni munye, hhayi ku-akhawunti yesikhashana lekhula ngekuthula. Umugca ngamunye unemnikati lowulandzelelako nelilanga, futsi nangabe likhasimende liyatiwa kodvwa ema-invoyisi akatiwa, likhasimende liyavela embikweni weminyaka yetikweletu linelupawu: inkhokhelo yemukelwe, ilindze kwabiwa. Ikhalenda yekuciwa kwetikweletu iyayekela kulijaha kuze kube loku sekucacile, futsi umnikati webhizinisi uyancuma kutsi kuvinjwa kwekulethwa lokuvela encenyeni yesitsatfu kususwa ngaphambi kwekwabiwa nobe ngemuva kwako.

Inkhokhelo lencane kune-invoyisi: sebentisa lokufikile, bhala umehluko

Nangabe likhasimende likhokha lokuncane kune-invoyisi, ungayivali futsi ungawujahi umehluko ngaphambi kwekutsi wati kutsi kungani. Sebentisa linani lelemukelwe emigceni lengekho emphikiswaneni, bese ufaka umehluko elirekhodini lemphikiswano lelivela ku-ncenye yesihlanu kanye nesizatfu sawo, umnikati nelilanga. Nangabe imphikiswano iphela ikuvuna, umehluko ubuyela ekhalendeni yekuciwa kwetikweletu nebufakazi bawo, njengenothi yekulethwa lesayiniwe. Nangabe iphela ngesephulelo nobe ngekubuyiswa kwemphahla, lesi ngulesinye setimo letigucula linani lekuniketa ngekwendzima 1 yeSigaba 40 seMitsetfo Yekusebentisa ye-VAT, lefaka ekhatsi kwehliswa lokuvunyelwene ngako ngemuva kwekutsengisa, ngako kukhishwa inothi yesikweleti lekhomba ngalokucacile i-invoyisi yekucala (Sigaba 54, tindzima 1 na 4) ngaphambi kwelilanga lesi-15 lenyanga lelandzela lesehlakalo (Sigaba 54, indzima 6).

Kuyenteka nekuphambene naloko: imali letfunyelwe lenkhulu kunema-invoyisi lavulekile, nobe inkhokhelo yekucala ngaphambi kwekulethwa njengoba letinye tivumelwano tekwakha tisho. Umehluko ubhalwa njengelibhalansi lesikweleti ngelibito lelikhasimende, uvela kusitatimendi salo, futsi usetjentiswa ku-invoyisi yalo lelandzelako nobe ubuyiselwe ngesincumo lesivunyiwe; awuncibiliki ku-akhawunti levamile. Nobe nguyiphi indlela yentselo yenkhokhelo yekucala nobe yelibhalansi lelibuyiselwe ekhasimendeni ngumbuto wemeluleki wakho wentselo.

Kugeleta kwemali liviki ngeliviki: linani ngaphambi kwanoma ngusiphi sibopho lesikhulu

Nasekuvumelaniswa imali lengenako onkhe malanga, inkampani iba nelwati loluneliciniso kakhulu lengaba nalo ngemali lengenako. Kubuka imali kukuhlanganisa ethebulini linye, liviki ngeliviki, esikhatsini lesikhetfwa ngumnikati webhizinisi, sibonelo lingcenye yemnyaka, kusuka emitfonjeni lemitsatfu yemali lengenako:

• Ema-invoyisi langakafiki sikhatsi sawo, ngayinye eviki lelinelilanga layo lekukhokha, lelibalwa kusukela emibandzeleni yenkhokhelo umnikati webhizinisi layibekela lelo nalelo khasimende encenyeni yesitsatfu.
• Titsembiso tenkhokhelo letibhaliwe kuma-invoyisi lasewendlulelwe sikhatsi lavela encenyeni yesitfupha, eviki lapho tifika sikhatsi sato, emugceni lowehlukile ngoba tingitsembiso, hhayi lilungelo.
• Emanani lasemphikiswaneni nemali lebanjiwe, ahlala ngaphandle kwesibikezelo kuze imphikiswano ixazululwe nobe umbandzela wekukhululwa ugcwaliseke, emugceni lowelwati kuphela.

Mbikekele kwawo kunemali lephumako: kutsi kwetinkhokhelo kubaniketi lokuhleliwe lesakwakha ochungechungeni lwekutsenga ku-Kukhokha Baniketi Ngesikhatsi Nekuvumelanisa Titatimendi, nema-invoyisi ebaniketi lafika sikhatsi sawo onkhe emaviki, kanye netibopho letingaguculi njengemiholo nerente. Sikhala emkhatsini wemali lengenako lelindzelekile nemali lephumako lehleliwe kulelo nalelo viki linani umnikati webhizinisi lalidzingako ngaphambi kwekusayina i-oda lenkhulu yekutsenga nobe kwemukela iphrojekthi ledzinga timali tekucala. Liviki lelikhombisa kushoda inyanga ngaphambi kwekutsi kwenteke liniketa sikhatsi sekusheshisa kuciwa kwesikweleti nobe kuhlela kabusha inkhokhelo; kushoda lokutfolakala ngalo lilanga akushiyi lutfo ngaphandle kwesikweleti selibhange nalokubiza kwaso.

Kute linani lihlale liliciniso, catsanisa onkhe emaviki loko bewukulindzele naloko lokufike ngempela, likhasimende ngelikhasimende. Umehluko lophindzaphindzekako nalelinye likhasimende ukutjela kutsi ungatetsemba kangakanani titsembiso talo nawuhlela, futsi yinkhulumo lefanele yentiwe ngumphatsi we-akhawunti nalo, hhayi sehlulelo ngelikhasimende.

Lapho i-AI ingena khona

Nasekuhleleke luchungechunge, i-AI inemsebenti wempela emalini lengenako: kufundza emanothi enkhokhelo lafika nge-imeyili nobe kutinamatiselo tayo bese ikhipha tinombolo te-invoyisi, kuphakamisa kuvumelanisa kwemali letfunyelwe lengenayo inkomba kusukela enanini layo, elilangeni layo nasendleleni likhasimende lelikhokhe ngayo phambilini, kanye nekubhala tikhumbuto ngendlela yelicembu lakho kute lelicembu litihlole ngaphambi kwekutsi kutfunyelwe nobe yini.

Kodvwa lolusito lufika ngemuva kweluchungechunge, hhayi ngaphambili. Kuphakamisa kuvumelanisa kudzinga likhasimende lelinelirekhodi linye, hhayi emabito lamatsatfu, ema-invoyisi lakhishwe ekulethweni lokucinisekisiwe, kanye nemphikiswano lebhalwe netizatfu tayo. Kudatha lengahlelekile, i-AI iphakamisa kuvumelanisa lokungasilo ngekutetsemba lokuphelele. Futsi siphakamiso sihlala siphakamiso: umgcinimabhuku uyasivuma, futsi sincumo sihlala kumuntfu.

Umbono we-Origami

Nasakha umjikelezo wekutsengisa wenkampani, sakha kuvumelanisa nekubuka imali ekugcineni, hhayi ekucaleni. Sizatfu kutsi idashibhodi ifundza loko lokwentiwa titeshi letiyandulelako, futsi idashibhodi leyakhelwe eluhlwini lwemakhasimende loluphindziwe nakuma-invoyisi langaxhumani nekulethwa iniketa tinombolo letinhle lekute lotetsembako, ngako umnikati webhizinisi ubuyela ekubuteni umgcinimabhuku.

Ngako sicala ngelirekhodi lelikhasimende neluhlu lwemanani, bese sakha siteshi ngasinye phezu kwalesingembili kwaso, ngekuya kwendlela inkampani letsengisa ngayo ngempela: ngubani lovuma tephulelo, ngubani losayina kulethwa endzaweni yemsebenti, nekutsi imali letfunyelwe netitatimendi telibhange tifika njani. Lomjikelezo uxhumana ne-sistimu yakho yekugcina emabhuku nekukhishwa kwema-invoyisi ngekwe-elekthroniki esikhundleni sekutsatsa indzawo yato. Loku kuyincenye yetisistimu letentelwe wena lesitakha nge-tinsita tetfu.

Licebo lemalanga langu-90 ngekulandzelana lokungasoze kwamisa kutsengisa

Silingo kuvula umjikelezo wonkhe ngelilanga linye. Kulandzelana lokuvikela kutsengisa kwemalanga onkhe ngiko lesakuchaza ku-Yini Lefanele Kuhanjiswa Kucala? Kulandzelana Kwekuhambisa Lokugcina Ibhizinisi Lisebenta: kucala idatha lengaguculi, bese kuba ngumsebenti wemalanga onkhe. Sigaba ngasinye singacala ngeligatja linye nobe licembu linye lemakhasimende ngaphambi kwekutsi sisakatwe enkampanini yonkhe.

• Inyanga yekucala: lirekhodi lelikhasimende, luhlu lwemanani, kuvunywa kwetilinganiso nemikhawulo yesikweleti. Lirekhodi lemakhasimende liyahlanganiswa futsi lamarekhodi laphindziwe ayahlanganiswa, futsi lelo nalelo khasimende litfola inombolo yalo ye-VAT nekubhaliswa kwalo kwebhizinisi ngemuva kwekuhlolwa lokubili lokusemtsetfweni mahhala lokuvela encenyeni yesitsatfu, imibandzela yalo yenkhokhelo, kanye nemuntfu logunyatiwe kwemukela ema-invoyisi. Luhlu lunye lwemanani kanye nemandla ekuvuma tephulelo lavela encenyeni yesibili kuyavunywa, umnikati webhizinisi ubeka umkhawulo wesikweleti walelo nalelo khasimende, bese kusukela lapho tilinganiso tikhishwa futsi tivunywa ku-sistimu. Kulethwa, kukhishwa kwema-invoyisi nekuciwa kwetikweletu kuchubeka njengakucala kulenyanga, ngako kute lokumako.
• Inyanga yesibili: bufakazi bekulethwa, i-invoyisi levela ekulethweni, nelirekhodi lemphikiswano. Likhasimende lisayina kulethwa nobe umsebenti lophelile ngelucingo, i-invoyisi lesalungiswa yakhiwa kusukela ekulethweni lokucinisekisiwe, futsi konkhe kuphikisa kutfola umugca nesizatfu sako nemnikati wako. Sinyatselo lesibaluleke kakhulu kulenyanga kufaka ema-invoyisi lavulekile lakhishwa ngaphambi kwesistimu njengemabhalansi ekucala alelo nalelo khasimende kanye nemalanga awo ekukhokha; ngaphandle kwaloko umbiko weminyaka yetikweletu ucala ungakaphelele kusukela elilangeni lekucala.
• Inyanga yesitsatfu: ikhalenda yekuciwa kwetikweletu, titatimendi temakhasimende, kuvumelanisa imali lengenako, bese kuba yidashibhodi yekugeleta kwemali. Ikhalenda yekuciwa kwetikweletu iyacala kuyo yonkhe i-invoyisi, sitatimendi senyanga sekucala siyatfunyelwa, sitatimendi selibhange singeniswa onkhe malanga, futsi umugca wemali lengakabelwa uyavulwa. Ekupheleni kwenyanga, nasesiteshi ngasinye sikhicita idatha yaso, idashibhodi yekugeleta kwemali iyavulwa.

Sigaba ngasinye sinelilanga lelimenyetiwe, lelibekwe ngumnikati webhizinisi, lapho indlela yakadzeni iyekwa khona: kusukela ngelilanga lelitsite kute sephulelo lesiphumako ngaphandle kwekusebentisa sistimu, futsi kusukela ngalelinye kute i-invoyisi lekhishwako ngaphandle kwekulethwa lokucinisekisiwe. Ngaphandle kwelilanga lelimenyetiwe, tindlela tombili tichubeka ndzawonye, futsi lelula iyanqoba. Ekupheleni kwayo yonkhe inyanga, buketa tinkomba letintsatfu lotifundza ku-sistimu ngekwayo: mangakhi ema-invoyisi lakhishwe ekulethweni lokucinisekisiwe, mingakhi imali letfunyelwe levumelaniswe ngalo lilanga leyifika ngalo, futsi mingakhi imphikiswano leyendlula lilanga layo. Indlela leti tinombolo letihamba ngayo kusuka kulenye inyanga kuya kulenye iliciniso kakhulu kunanoma ngumuphi umgomo lowawubeka ekucaleni.

Nobe yini lebekhona ngaphambi kwesistimu emafayeleni, ku-imeyili nasephepheni ayisulwa ngemuva kwekuhamba. Indzima 1 yeSigaba 66 seMitsetfo Yekusebentisa ye-VAT idzinga kutsi ema-invoyisi, emarekhodi nemibhalo yekugcina emabhuku kugcinwe okungenani iminyaka lengu-6 kusukela ekupheleni kwesikhatsi sentselo lekuhlobene naso. Ingobo yemibhalo yakadzeni ihlala igciniwe futsi itfolakala, futsi nobe yini lecondzene nesimo senkampani yakho ngumbuto wemgcinimabhuku wakho nobe wemeluleki wakho wentselo.

Kuvala lolu chungechunge

Etincenyeni letisikhombisa sahamba emjikelezweni wekutsengisa siteshi ngesiteshi: sabeka libalave leteshi tawo letisikhombisa nekutsi imali ibambeka kuphi kulesinye nalesinye, bese kuba silinganiso nemandla ekuvuma tephulelo, bese kuba yimikhawulo yesikweleti neticiniseko ngaphambi kwekutsengisa ngesikweleti, bese kuba bufakazi bekulethwa ne-invoyisi lecala kubo, bese kuba yi-invoyisi lefika ngesikhatsi nelirekhodi lemphikiswano, bese kuba yiminyaka yetikweletu nekhalenda yekuciwa kwetikweletu, futsi ekugcineni kuvumelanisa imali lengenako, kubuka imali nelicebo lekufaka konkhe loku endzaweni.

Sifundvo lesifanele kugcinwa: kwenta kutsengisa kube ngekwedijithali akukhona kungetsembi emakhasimende nobe licembu lekutsengisa. Kusho kutsi yonkhe i-riyal loyilindzile inendlela lebhaliwe kusukela esilinganisweni kuya ku-akhawunti yelibhange, lapho wonkhe muntfu ati indzima yakhe futsi umnikati webhizinisi abone imali ita ngaphambi kwekutibopha, hhayi ngemuva kwekuyidzinga. Kucala sinyatselo lesincane longasitsatsa kuleli viki: tsatsa imali letfunyelwe ngemakhasimende enyangeni leyendlulile, bese ubala kutsi mingakhi leyavumelaniswa ne-invoyisi yayo ngalo lilanga leyafika ngalo, nekutsi mingakhi lesalindzile.

Imitfombo

• IBhange Lelikhulu laseSaudi (SAMA): I-SAMA Ikhipha Luhlaka Lwekubhanga Lokuvulekile — inguculo yekucala yetinsita tekubhanga lokuvulekile yagcila kuSevisi Yelwati Lwe-akhawunti futsi yesibili kuSevisi Yekucala Inkhokhelo, ngenhloso yekuvumela emakhasimende etikhungo tetimali kutsi abelane ngelwati lwawo lwetimali ngekuphepha nemhlinzeki wangaphandle.
• Siphatsimandla seZakat, Intselo neMasiko (ZATCA): Imitsetfo Yekusebentisa yeMtsetfo we-VAT (umbhalo losemtsetfweni ngesi-Arabhu) — Sigaba 40, indzima 1 (timo letigucula linani lekuniketa, kufaka ekhatsi kwehliswa ngemuva kwekutsengisa nekubuyiswa lokwemukelwe), Sigaba 54, tindzima 1, 4 na 6 (inothi yesikweleti, kukhomba i-invoyisi yekucala, nekuyikhipha ngaphambi kwelilanga lesi-15 lenyanga lelandzelako), kanye neSigaba 66, indzima 1 (kugcina ema-invoyisi nemarekhodi okungenani iminyaka lengu-6).