U-2018 bekungunyaka onzima kubasunguli bemalimboleko. Ngokocwaningo oluthile, izikhathi zomjikelezo zanda ngenkathi ivolumu yokubuyisela imali yehla. Ngenxa yalokho, izindleko zokubolekwa kwemali zikhuphuke zafinyelela ku-$8,957 ngesikweletu ngasinye. Njengoba ukuncintisana kubaboleki abasha kuya ngokushuba, kubalulekile ukuthi ababolekisi bakhumbule futhi baphathe ama-KPI alungile.
Hlela Ipayipi Lemali Ebolekiwe Ngokubuka Ama-KPI Alungile
Nakuba amamethrikhi avamile, angezansi engezansi, ngokwandayo, uzothola ababolekisi betshala imali kubuchwepheshe obuhlakaniphile ukuze
kusheshiswe futhi kwenziwe lula uhambo lwamakhasimende omboleki .
1 Donsa Ngesilinganiso
Le KPI ikala ukusebenza kahle kwepayipi ngokuhlukanisa isamba semalimboleko exhaswe ngenani lezicelo ezifakwe phakathi nesikhathi esinqunyiwe. Le methrikhi ihlinzeka ngemininingwane ebalulekile ekusebenzeni kahle kokusebenza, ikhwalithi yezicelo ezithunyelwe, izinga lesevisi yamakhasimende, ukuncintisana kwezinga lenzalo kanye nokufaneleka kwephrofayela yalowo okungenzeka abe yikhasimende.
2 Isinqumo Sokuvala Umjikelezo Wesikhathi
Isinqumo sokuvala umjikelezo wesikhathi sinikeza ulwazi mayelana nenani lezinsuku ezidingekayo ukuze kuvalwe futhi kuxhaswe imali ebolekiwe ngemva kokwenziwa kwesinqumo sokubhala phansi. Le KPI inikeza imininingwane mayelana nokuthi ithimba elibolekisayo liyixhumanisa ngempumelelo kanjani imizamo yokusungula nezikhulu ezibolekisa ngemali.
Isikhathi somjikelezo wemalimboleko singahluka kodwa ngokuvamile sifika evikini elingu-1. Ngenkathi ababolekisi betshala imali ohlelweni lokucaphuna oluzenzakalelayo, isikhathi sokuvala ngokuvamile sincike ekusebenzelaneni kwamakhasimende. Izikhathi zomjikelezo omude zingaba umphumela wezindawo zokuthintwa ezingasasebenzi kanye nokuxhumana okungacacile phakathi kosekelo lwemali mboleko, izikhulu zemalimboleko nababoleki.
3 Isilinganiso Semali Ebolekiwe Esilahliwe
Olunye ucwaningo lwakamuva luthole ukuthi amazinga okulahlwa kwezicelo akhuphuke ngo-35% kule minyaka emibili edlule. Izinga lemalimboleko elahliwe lilinganisa iphesenti lezicelo zemalimboleko ezishiywa umboleki ngemva kokuba zigunyazwe umebolekisi. Kunezizathu ezimbalwa ezivamile zenani eliphezulu lemalimboleko elahliwe, okuhlanganisa ukuntula obala phakathi kombolekisi kanye nalowo ozoba umboleki ngesikhathi senqubo yokugunyaza,
ukwehluleka ekugcwaliseni amafomu adingekayo, ukuqoqa amadokhumenti, amasiginesha , kanye nokungasebenzi kahle phakathi kwezinqubo zokubuyekezwa kwesicelo nokugunyazwa.
4 I-Average Origination Value
Inani lomsuka elimaphakathi likala isamba semali engenayo ezuziwe yemalimboleko ngayinye ngesikhathi esithile. Le KPI ihlanganisa izimali zokuqala nezokubhala ngaphansi, kanye nanoma yiziphi ezinye izinkokhelo ezengezwa emalini engenayo. Uma le KPI iphansi, lokhu kungase kube inkomba yenani elimaphakathi eliphansi lemalimboleko eqanjiwe noma izinkokhelo zomsuka ezingaphansi kwamazinga emboni amukelwayo.
5 Izinga Lokuvunyelwa Kwesicelo
Ngo-Okthoba 2018, amazinga okugunyazwa kwemalimboleko yebhizinisi elincane evela emabhange afinyelele irekhodi eliphezulu. Isizathu esisodwa salokhu ukuqaliswa kwama-KPI anembe kakhulu njengezinga lokugunyazwa kwesicelo. Le metric ibalwa ngokuhlukanisa inani lezicelo ezigunyaziwe ngenani lezicelo ezithunyelwe.
Izinga eliphansi lokugunyazwa kwesicelo lisho ukuthi umbolekisi utshala isikhathi nemali eningi kuzicelo zomboleki ezingafanelekile. Amapayipi okuboleka imali anenani eliphansi lokugunyazwa kwesicelo angasheshiswa ngokwenza lula ukuqoqwa kwedokhumenti nokubuyekeza izinqubo.
*Ama-KPI ayaqhubeka ngezansi kwemibuzo Ilunge Kangakanani Inqubo Yesicelo Sakho Semalimboleko
6 Isamba Sesilinganiso Sokuvala
Isamba sokukhokhiswa isilinganiso siwumehluko phakathi kwesamba semali ekhokhiswayo kanye nanoma yikuphi ukubuyiswa okulandelayo kwesikweletu sokungahloniphi. Le KPI imelela kahle lelo nani lesikweletu umbolekisi akholelwa ukuthi ngeke asiqoqe uma kuqhathaniswa nokutholwayo okumaphakathi. Isikweletu okungenzeka ukuthi singabuyiselwa ngokuvamile siyasulwa futhi sichazwe njengezindleko ezinkulu. Ukuze kubalwe inani lengqikithi yokukhokhiswa, noma iyiphi imali egcina itholakele esikweletini isuswa ezinkokhelweni zizonke.
7 Izindleko Zokutholwa Kwekhasimende
Lesi silinganiso sezimali esiyinhloko isilinganiso senani lokuphila komboleki nezindleko zokutholwa komboleki. Lezi zindleko zifaka kodwa azikhawulelwe ocwaningweni, ekukhangiseni nasekukhangiseni. Ngokufanelekile, izindleko zokutholwa kwekhasimende kufanele zibe nkulu kunesisodwa njengoba umboleki engenzi nzuzo uma izindleko zokuthola zinkulu kunenzuzo azoyiletha kumboleki. Le KPI isetshenziswa ababolekisi ukusiza ukunquma ukuthi zingakanani izisetshenziswa zayo ezingase zisetshenziswe ngenzuzo kukhasimende elithile
8 Isilinganiso senani Lemibandela Ngemalimboleko ngayinye
Le KPI ibaluleke kakhulu kubabolekisi abafuna ukuthuthukisa i-CX yabo. Ngokwe-International Monetary Fund (IMF), isilinganiso senani lemibandela yemalimboleko ngayinye ngu-26.8. Futhi lolu cwaningo lwe-IMF luphinde lwathola ukuthi isibalo semibandela ekufakweni kwezicelo mboleko siyanda. Inqubo yokufaka isicelo semalimboleko ithikamezwa ukwanda kwezimo, okuthinta kabi ikhono lombolekisi lokuhlinzeka ngolwazi lwekhasimende olusheshayo futhi olungenazihibe.
I-KPI-CX Connection
Iminikelo yemalimboleko isiye
yaba ukuthengwa kwempahla . Ngenxa yalokho, izinqubo ezenziwe lula, ezilula kanye nolwazi ngokushesha kuba yizihlukanisi eziyinhloko ezintsha. I-CX isethelwe ukudlula intengo nomkhiqizo njengesihlukanisi esibaluleke kakhulu somkhiqizo. Kodwa-ke, nakuba
u-90% wababoleki ufuna ukusebenzisana okusizwa yi-ejenti, kuphela ama-35% "aneliseke kakhulu" ngolwazi lwabo .
Ngakho-ke, ababolekisi abathuthukisa ukuqonda okujulile kwepayipi labo lokubolekwa kwemali kanye nokusebenza kwamathimba abo kungenzeka kakhulu benze lula izinqubo ezibhekene namakhasimende. Futhi ama-KPI alungile angaqondisa abenzi bezinqumo ukuthi bangagxilisa kuphi imizamo yabo yokuthuthukisa uhambo lwamakhasimende.
Okukalwayo kuyathuthukiswa. Ababolekisi abasebenzisa imininingwane enikezwe ama-KPI angenhla bazophatha ngempumelelo ukugeleza kwenqubo nokusebenza. Umphumela: ukukhuphuka kokuthengisa, amazinga okuguqulwa kanye namazinga wokwaneliseka kwamakhasimende.
