Kuyini ukuzivocavoca kokukhetha ngaphandle kwemali?
Ukusetshenziswa kwenketho ngaphandle kwemali kuyindlela yokusebenzisa inketho yesitoko ngaphandle kokusebenzisa imali ukukhokha intengo yokusebenzisa. Esikhundleni semali, ingxenye yezabelo isetshenziselwa ukukhokha intengo yokusebenzisa.  Kunezindlela ezimbili zokuzivivinya ngaphandle kwemali. Indlela yokuqala i-net settlement, lapho inkampani igodla inani elanele lamasheya anenani elifanele lemakethe elilingana nenani eliphelele lentengo yokusebenzisa, futhi amasheya anjalo agodliwe akha ukukhokhwa kwentengo yokusebenzisa. Indlela yesibili iwukuthengiswa ukuze kuvikelwe (noma ukuthengiswa ngosuku olufanayo), lapho kuthengiswa khona amasheya anele alingana nenani eliphelele lentengo yokusetshenziswa futhi imali esetshenziswayo isetshenziselwa ukukhokha intengo yokusetshenziswa. Ngokuvamile, indlela yesibili iyatholakala kuphela ezinkampanini ezinamasheya athengiswa esidlangalaleni, njengoba kunobunzima obukhulu bokusebenzisa le ndlela ezinkampanini eziphethwe ngasese.