Describe five steps followed when making an insurance claim and prepare Mageta Traders balance sheet as at the end of July 2016.

Hapa kuna majibu kwa swali lako:

6 a) Hatua tano zinazofuatwa wakati wa kufanya dai la bima:

1. Kutoa Taarifa ya Hasara: Mwenye bima anapaswa kutoa taarifa kwa kampuni ya bima haraka iwezekanavyo baada ya tukio la hasara kutokea.
2. Kujaza Fomu ya Dai: Jaza na uwasilishe fomu ya dai la bima, ukitoa maelezo yote muhimu kuhusu tukio na hasara iliyopatikana.
3. Kutoa Nyaraka za Uthibitisho: Toa nyaraka zinazounga mkono dai, kama vile ripoti za polisi (ikiwa inafaa), ripoti za matibabu, risiti za ununuzi, picha za uharibifu, na ushahidi mwingine wowote kuthibitisha dai.
4. Uchunguzi/Tathmini: Kampuni ya bima itafanya uchunguzi wa dai, ambao unaweza kuhusisha kutuma mtaalamu kutathmini uharibifu au hasara.
5. Malipo ya Dai: Ikiwa dai limeidhinishwa, kampuni ya bima itatoa kiasi cha malipo kulingana na masharti ya sera na hasara iliyotathminiwa. Mdai anaweza kukubali au kujadili malipo.

6 b) Kuandaa Mizania ya Mageta Traders mwishoni mwa Julai 2016.

Kwanza, tutarekebisha salio za akaunti kutokana na miamala iliyotokea mwezi Julai 2016. Tunachukulia kuwa salio za mwanzo za Julai 2012 ndizo salio za mwanzo za Julai 2016, na miamala yote iliyotajwa ilitokea mwezi Julai 2016.

Salio za Mwanzo (1 Julai 2016):

• Furniture: Sh 56,000
• Capital: Sh 80,000
• Creditors: Sh 20,000
• Debtors: Sh 25,000
• Bank: Sh 11,000
• Cash: Sh 8,000

Miamala ya Julai 2016 na Salio za Mwisho:

• a) Kulipa mkopeshaji Sh. 4500 taslimu.

  • Cash: Sh 8,000 - Sh 4,500 = Sh 3,500
  • Creditors: Sh 20,000 - Sh 4,500 = Sh 15,500

• b) Kuchukua Sh 3000 kutoka benki kwa matumizi ya familia (Drawings).

  • Bank: Sh 11,000 - Sh 3,000 = Sh 8,000
  • Capital: Sh 80,000 - Sh 3,000 = Sh 77,000

• c) Kununua bidhaa Sh. 18600 kwa mkopo.

  • Stock (Asset mpya): + Sh 18,600
  • Creditors: Sh 15,500 + Sh 18,600 = Sh 34,100

• d) Kupata mkopo wa benki wa miaka 10 Sh. 165000 uliowekwa kwenye akaunti ya benki ya biashara.

  • Bank: Sh 8,000 + Sh 165,000 = Sh 173,000
  • Bank Loan (Liability mpya): + Sh 165,000

• e) Kununua ardhi yenye thamani ya Sh. 82000 kwa hundi.

  • Land (Asset mpya): + Sh 82,000
  • Bank: Sh 173,000 - Sh 82,000 = Sh 91,000

• f) Kubadilisha meza ya familia yenye thamani ya Sh 5500 kwa matumizi ya biashara (Capital injection).

  • Furniture: Sh 56,000 + Sh 5,500 = Sh 61,500
  • Capital: Sh 77,000 + Sh 5,500 = Sh 82,500

• g) Kupokea Sh 7300 taslimu kutoka kwa mdaiwa.

  • Cash: Sh 3,500 + Sh 7,300 = Sh 10,800
  • Debtors: Sh 25,000 - Sh 7,300 = Sh 17,700

Salio za Mwisho (31 Julai 2016):

• Furniture: Sh 61,500
• Stock: Sh 18,600
• Land: Sh 82,000
• Debtors: Sh 17,700
• Bank: Sh 91,000
• Cash: Sh 10,800
• Creditors: Sh 34,100
• Bank Loan: Sh 165,000
• Capital: Sh 82,500

Mizania ya Mageta Traders kama ya 31 Julai 2016

$$\begin{array}{|l|r|} \hline \textbf{ASSETS} & \textbf{Sh} \\ \hline \textbf{Non-Current Assets} & \\ \text{Furniture} & 61,500 \\ \text{Land} & 82,000 \\ \quad \text{Total Non-Current Assets} & \mathbf{143,500} \\ \textbf{Current Assets} & \\ \text{Stock} & 18,600 \\ \text{Debtors} & 17,700 \\ \text{Bank} & 91,000 \\ \text{Cash} & 10,800 \\ \quad \text{Total Current Assets} & \mathbf{138,100} \\ \textbf{TOTAL ASSETS} & \mathbf{281,600} \\ \hline \textbf{CAPITAL AND LIABILITIES} & \textbf{Sh} \\ \hline \textbf{Capital} & \\ \text{Capital} & 82,500 \\ \textbf{Non-Current Liabilities} & \\ \text{10-year Bank Loan} & 165,000 \\ \textbf{Current Liabilities} & \\ \text{Creditors} & 34,100 \\ \textbf{TOTAL CAPITAL AND LIABILITIES} & \mathbf{281,600} \\ \hline \end{array}$$