Sibhekene nesibalo esingokomthetho esibaluleke kakhulu esiqokwa ijaji ukuze sikwazi ukwenza imisebenzi ethile yobungcweti ngaphakathi kwenqubo yokuqothuka. Lesi yisimo sebhizinisi esivame ukwenzeka lapho kubhekene nesimo esibucayi engxenyeni yezinkampani futhi esidinga umnikelo ozimele wochwepheshe ophethe hlaziya i isimo senkampani futhi uyiphathe ngendlela efanele. Ngenhloso ecace kakhulu futhi lokho akukhona okunye ngaphandle kokuyikhiqizela izinzuzo ezinhle kakhulu ngezenzo zayo. Nakuba le miphumela egculisayo ingenzeki njalo.
Lena inqubo ejwayeleke kakhulu ukuthuthuka ngezikhathi zokuwohloka komnotho noma ezimeni ezinzima zezomnotho kunasezindabeni. Kodwa lokhu akusho ukuthi abanandawo kulezi. Kunoma yikuphi, kuyadingeka ukugwema ukungezwani mayelana nokuqukethwe kwalesi sibalo esingokomthetho futhi ungaphambanisi ukuphathwa kwe-bankruptcy nokuphathwa komphakathi. Ngoba nje azihlanganise lutho nomunye futhi imiqondo ehluke ngokuphelele kokuqukethwe kwabo.
Nakuba ngakolunye uhlangothi, enye yezinto okufanele igcizelelwe ukuthi abaphathi be-bankruptcy abazona izisebenzi zikahulumeni, njengoba abanye abantu bekholelwa. Kunalokho, bangochwepheshe emikhakheni yezomnotho kanye nezomthetho ababa yingxenye yalo msebenzi wochwepheshe. Njengomphumela wokufaneleka abanikela ngakho emlandweni wabo wezemfundo nomsebenzi.
Uyini umlawuli wokuqothuka?
Kuwumuntu osemthethweni ophethe ukuqinisekisa nokugcina intuthuko enhle yenkampani ebikhona okumenyezelwe ukuthi uphelelwe imali noma ukwamukela. Lapho indawo yakho yokuqala emsebenzini izobe ihambisana nakho konke okusemthethweni okudingekayo emigwaqweni yezomthetho. Ngamanye amazwi, umlawuli wokuqothuka uzoba ngaphansi kwemiyalelo yalezi ziphathimandla hhayi amanye amandla. Ukufinyelela kulesi simo kuzoba wumphumela wesikweletu esikhulu esiqoqwe inkampani futhi esingase sithinte ukusebenza kwayo eminyakeni ezayo. Ngakho-ke, isibalo esizama ukuxazulula inkinga enkulu kakhulu yinkampani.
Omunye wemiphumela yesikweletu enkampanini ethintekayo ukuthi ekugcineni kungaba nezinkinga ezinkulu kakhulu zokungakhokhi. Hhayi kuphela ngaphambi kwabasebenzi, abahlinzeki-mpahla noma amakhasimende ngokuvamile, kodwa nasezikhungweni ezisemthethweni. Ngokwesibonelo, ebuhlotsheni bakhe no I-Social Security, Treasury, njll. Kusukela kulesi simo, inhloso enkulu yomqondisi wokuqothuka wukuqinisekisa ukuqhubeka kwebhizinisi. Kuze kube sezingeni lokuthi kwasekuqaleni ngeke babe nanye indlela ngaphandle kokuphatha imisebenzi yenkampani ngaphansi kwemikhombandlela yabo futhi bangalokothi baxhaswe yilabo abanikazi.
Ukuze kwasekuqaleni izikweletu zinganyuki futhi ngokusemandleni kunciphisa isikweletu esenziwe yinkampani. Okusho ukuthi, ngaphansi kokulungiswa kwesabelomali esisha esizoncika ngaso sonke isikhathi kumlawuli wokuqothuka ukuthi aphume kulo mjikelezo oyingozi. Kwezinye izimo luyofeza umgomo walo kanti kwezinye luzogcina lusehluleki. Kunoma yikuphi, phakathi konyaka wesibili nowesithathu uyayiqeda imisebenzi yakhe. kuhle naye ukuhlanza inkampani futhi esimweni esibi kakhulu ngokuvalwa kwayo. Njengomphumela wokungenzeki kokuyintanta kabusha ngendlela efanele. Kodwa kulokhu ngaphansi kokuqedwa kwempahla ngendlela ehlelekile, njengoba kuboniswa yimithethonqubo yamanje.
Ukhokhisa malini umlawuli wokuqothuka?
Iphrofayili yale phrofayili yobungcweti ngeyomuntu okufanele afunde ezomnotho noma ezomthetho futhi uma eneziqu ukuqeqeshwa okukhethekile kuMthetho Wokuqothuka kangcono kakhulu. Mayelana nezimali zabo ezikhokhelwayo, kufanele kuqashelwe ukuthi zibekwe ngokufanelekile ku-Royal Decree 1860/2004. Ahlukaniswe abe izingxenye ezimbili zale nqubo: isigaba somncintiswano kanye nesinye isikhathi sokuqedwa. Kuzo zonke uzothola ama-50% omholo ekukhokhweni kwabahlinzeki. Kodwa ngesici esikhethekile nokuthi leli cala lizokwenziwa ezinsukwini ezinhlanu ezilandelayo ngemuva komyalelo wenkantolo. Nakuba ngokuphambene nalokho, kwesinye isigaba izokwenziwa ibe semthethweni ngesikhathi esifanayo, kodwa kusukela ekuxazululeni kwayo okuqinile.
Nakuba ngezinye izikhathi akuyona inqubo elula kangako njengoba ukusebenza kwabo kufanele kuhlolwe esigabeni seziqu. Kuze kube yilesi sikhathi lapho imisebenzi eyenziwa umlawuli we-bankruptcy inqunywa. Kokubili emisebenzini yabo nangesikhathi sezinkokhelo okufanele ziye ku-akhawunti yabo yokonga ekwenzeni imisebenzi yalesi sikhundla sobungcweti. Ngaphandle kokunye ukucatshangelwa okuqondile okuzoba yisihloko sokunye ukuhlaziya kuma-athikili ngalesi sibalo sochwepheshe.
Imisebenzi yomqondisi wokuphelelwa yizimali
Lo chwepheshe nguyena okumele abhekane nenqubo yokuqolwa kwezinkampani ezingadlula kuyo. Njengokuphela kwe-interlocutor esebenzayo phakathi kwabo neziphathimandla zokuphatha futhi ozobe ephethe ukuqondisa nokuqapha yonke le nqubo ngentshiseko ekhethekile ezenzweni zabo. Ngokukwazi ukumemezela ukuqothuka esigabeni esinecala. Uma kunjalo imiphumela ezinkampanini ingabaluleka kakhulu ngenxa yezenzo ezingenziwa ukuxazulula lesi simo esikhetheke kakhulu.
Ngakolunye uhlangothi, umlawuli we-bankruptcy naye unesibopho, uma kwenzeka ememezela ukuqothuka, ukuhlangabezana nazo zonke izimfuneko zomthetho njengoba kuhlinzekwe yimithethonqubo yamanje. Nakuba ngakolunye uhlangothi, iphethe ukulungisa lonke uhlu lwezimpahla zenkampani ethintekile, kanye namalungelo ayo emsebenzini ewenzayo. Ukuze ngale ndlela, basesimweni esiphelele sokugcina ubudlelwano nabakweletwayo ngendlela ethambile kakhulu.
Kodwa akuzona kuphela imisebenzi azibophezela ngayo ngezenzo zakhe. Uma kungenjalo, ngokuphambene nalokho, ungathuthukisa neminye imisebenzi kuchwepheshe bakho futhi engabalulekile kangako ngenxa yokubaluleka kwayo. Okulandelayo kugqama phakathi kwazo:
- thuthukisa futhi thuthukisa a Yokusungula eqinile kakhulu, kokubili kwezimpahla nezikweletu yisikhundla somuntu okweletayo kule nqubo.
- Yenza ukuhlaziya okuningiliziwe kwe ama-akhawunti enkampani into yale nqubo, kanye nokubona isimo sangempela sezimali zayo.
- Nikela nge inkumbulo mayelana nayo yonke imisebenzi oyenzile kule ndima. Okusho ukuthi, ngezenzo nezinqumo zakhe azithathile esabambe lesi sikhundla.
- Yenza uhlu, olubanzi ngangokunokwenzeka, mayelana nenani labakweletwayo kanye nenani elibakweletayo. Ngencazelo eningiliziwe yemigqa yekhredithi abangabanikazi bayo.
- Chaza, uma kudale, ekulungisweni kochungechunge lweziphakamiso njengesibikezelo sokuphromotha a uhlelo lokukhokhelana yinkampani engaphansi kwalezi zenzo.
- Qinisekisa isimo sezimali senkampani futhi udwebe uhlelo lomsebenzi mayelana nokuqhubeka kwawo okungenzeka.
- Futhi ekugcineni, zonke izinhlobo zokucatshangelwa mayelana ne izinqumo ozenzile inkampani kuze kube yileso sikhathi. Ukuze kuhlolwe izenzo zabo phakathi nonyaka njengomlawuli wokuqothuka.
Kodwa naphezu kwenkolelo ethile noma encane esabalele emphakathini, inhloso yayo esheshayo akukhona ukuqedwa kwenkampani okukhulunywa ngayo. Uma kungenjalo, ngokuphambene nalokho, isifiso sakhe sobuchwepheshe sihlanganisa ukusindisa inkampani ngokwayo nokubonisa ukuthi yonke into ithuthuka ngendlela efanele. Okuthile ukuthi iningi lalezi zimo cishe njalo kwephulwa.
Inhloso: londoloza inkampani engenamali
Ngamafuphi, izozama ukusindisa inkampani engenamali, nakuba njalo ngezinga lamathuba ayo angempela. Kodwa nge-nuance ebaluleke kakhulu yokusebenza kwakhe kochwepheshe nokuthi uzozama ukufuna ukwaneliseka okubanzi kubabolekisi.
Ngezibopho ezinjalo, kuvamile ukuthi bazame ukusiza umsebenzi kusukela ngesikhathi kuvulwa le nqubo yokuqothuka. Kuze kube yilapho abathintekayo kufanele bambone, ngaphezu kwesitha njengomngane futhi ngenxa yalesi sizathu kuyadingeka ukubanika zonke izinsiza ukuze benze umsebenzi wabo. Ngale kolunye uchungechunge lokucatshangelwa esikhundleni sakhe sokuphatha. Nakuba kubo kufanele uhlangabezane nemfuneko ekhetheke kakhulu: ukungabi nobudlelwano nomuntu oqothukayo eminyakeni emithathu edlule. Akulona ize, esinye sezici zayo ukuzimela ezenzweni zayo nasekubhaleni kwayo.
Njengento emisha, kufanele kuqashelwe ukuthi umlawuli wokuqothuka akudingeki abe yilo chwepheshe. Uma kungenjalo, bangakwazi futhi ukubamba isikhundla abantu abasemthethweni kunoma yimaphi amacala ahlongozwe yimithethonqubo yamanje. Lapho kuyodingeka ukuthi bahambisane nayo yonke imithetho esebenza kuze kube yileso sikhathi. Kunoma yikuphi, yisibalo esisetshenzwa okwesikhashana kuphela ngenkathi inqubo yokuqothuka iqhubeka. Uma eseqedile, uzoshiya imisebenzi yakhe ngokushesha, nakuba engakwazi futhi ukukusebenzisa kwenye inkampani ebhekene nalesi simo somnotho kuma-akhawunti akhe ebhizinisi.