ʻO ka Haʻawina
ʻO ka hōʻai'ē ka hikiʻana i kahiʻoihana e loaʻa i nā waiwai he nui no ka uhiʻana i kāna mau kuleana. ʻO ka waiwai waiwai ka mea i loaʻa i kaʻoihana, aʻo nā kuleanaʻo ia kaʻoihanaʻoihana ma ia mau mea. No ke aha he mea nui kēia? He pilikia nāʻoihana a pau me ka loaʻa kālā ma kekahi manawa, i ka wā e hoʻomaka ai i kaʻoihana.
Ināʻoi ka nui o nā bila e uku aʻaʻole lawa nā waiwai (me ka kālā,ʻoiaʻiʻo) e uku i nā pili kālā,ʻaʻole ola kaʻoihana.
Ka hōʻai'ē ma ka Bane Balalā
Hoʻoholo pili ponoʻo Solvency i ka waihona palekana o kahiʻoihana. Hōʻike ka waihona palekana i ka pilina o nāʻoihana waiwai ma kekahiʻaoʻao i kona mau kuleana a me ke kaulike (kuleana) ma kēlāʻaoʻao.
ʻO ka palena o ka hōʻike kuhi likeʻole ,ʻo ia nā'Ai'ē kūlike like me ke kuleana waiwai. Inā loaʻa kahiʻoihana, e'ōlelo, $ 100,000 ma nā waiwai a $ 100,000 ma nā kuhihewa,ʻaʻohe pono o ka mea hale. ʻO ka'auke, e'ōlelo ana, nona kaʻoihana. Akā inā he $ 100,000 ka waiwai a ke kālā, a he $ 50,000 wale nō ka uku wale nō, aʻoi aku ka waiwai o ka mea nona ka waiwai a hiki ke hoʻololi iā lākou i ke kālā inā pono.
Nā Papahana Haʻawina a iʻole Ratio
Hoʻohālikelikeʻia ka palekana ma keʻano he lakene o nā waiwai i nā kuʻi. E hoʻomanaʻo, hoʻolālā i nā waiwai i nā kuʻi kālā - he nui nā waiwai e uku i nā pili kālā?
Ma kēia mau lakō,ʻo ke ala maikaʻi loa e hiki ai i ka ukuʻoleʻana ke komo i nā kuhi kālā a pau: nā kālā e ukuʻia, nāʻauhau e ukuʻia, nā uku pānaʻi e ukuʻia, nā uku hoʻolimalima - nā mea a pau e pili ana i kaʻoihana. ʻElua mau lālā e ana i ka ukuʻole:
ʻO ka lālā o kēia manawa ka nui o nā waiwai o kēia manawa i puʻunaueʻia e nāʻaina o nā kuhi.
ʻO ka waiwai o kēia manawa, he kālā, nā kālā i loaʻa, nā waihona kūʻai, a me nā lilo i uku muaʻia. ʻO kekahi mau mea lōʻihi e like me nā lakohanaʻaʻole iʻikeʻia i loko o kēia ratio no ka mea lōʻihi lōʻihi e kūʻai aku iā lākou no ka loaʻa kālā e uku i nā bila, aʻaʻole lākou e kūʻai aku no ka waiwai piha.
I mea e hiki ai ke pale a uhi i nā kuhi, pono ke loaʻa i kahiʻoihana ka lakene o ka manawaʻelua o ka 2 a 1,ʻo ia hoʻi he lua manawa o nā waiwai e kū nei i kēia manawa. Eʻike ana kēia lakō i kaʻoiaʻiʻo o ka kūʻaiʻana i nā waiwai e loaʻa ai ke kālā, hiki ke hopena i nā poho, no laila, makemakeʻia nā waiwai.
ʻO ka lihi wikiwiki e hoʻohana wale i nā kālā a me nā loaʻa kālā, no ka mea,ʻo kēia mau waiwai wale nō ka mea hiki ke hoʻohanaʻia e uku i nā aie, ma keʻano o ka pilikia kālā pilikia. ʻO ka māmā wikiō, he māhele 1 me ka 1,ʻo ia hoʻi ke kālā a me nā kālā i loaʻa e like me ka nui o ka hōʻai'ē. ʻO kēia, e like me kāu e noʻonoʻo ai,ʻoi aku ka paʻakikī paʻakikī e hiki ai.
ʻO ke kuhi likeʻole e like me kaʻikeʻana mai ka nānā aku o Lender
He mea nui kēia mau ratio no ka mea kūʻai, akā, no ka mea nāna e hāʻawi. Inā e noʻonoʻo kahi pēlā i kahi hōʻai'ē i kahiʻoihana, e nānā ponoʻo ia ma kēia mau lakio e hoʻoholo ai inā he nui ka'ai'ē o kaʻoihana aʻaʻole lawa nā kumu e uku i kēlā aie.
ʻO ke kūponoʻole, ka'oliwai, a me ka pono
Kū'ē pinepineʻia ka palekana me ka waiwai , akā,ʻaʻole like.
ʻO ka liʻimaʻa he palena manawa pōkole o kaʻoihana,ʻoiaiʻo ka hōʻai'ēʻo kahi ana lōʻihi. ʻO ka liʻiliʻi e pili ana i ke kahe o ka wā pōkole,ʻoiai ka hikiʻole i ke kuhi kālā ke pili i ka loiloi kālā kūʻokoʻa.
Hoʻololi pūʻia ka palekana me ka holo. ʻO ke kaʻahua e pili ana i ka hikiʻana o kahiʻoihana e lilo i mea maikaʻi ma kahi lōʻihi o ka manawa.