تدفق نقدي
تدفق نقدي 30秒で
- Cash flow (تدفق نقدي) measures the literal movement of money in and out of a business, distinct from profit.
- It is a key indicator of liquidity and financial health, used by investors and managers to ensure bills can be paid.
- The term is composed of 'تدفق' (flow) and 'نقدي' (monetary), reflecting a dynamic process of financial exchange.
- In Arabic business contexts, it is essential for discussing quarterly reports, startup stability, and investment viability.
The term تدفق نقدي (Tadaffuq Naqdi) is a fundamental concept in the world of finance, business, and personal economics. Literally translated, 'تدفق' means 'flow' or 'gush,' often used to describe water in a river or electricity in a circuit. 'نقدي' pertains to 'cash' or 'monetary' matters. When combined, they describe the movement of money into and out of an entity. In a business context, it is the heartbeat of operations; a company can be profitable on paper but fail if its cash flow is negative, meaning it doesn't have enough liquid cash to pay its immediate bills. This distinction is crucial for learners to understand because it moves beyond simple 'profit' (ربح) and into the realm of 'liquidity' (سيولة).
- Financial Health Indicator
- Investors use the cash flow statement to see if a company generates enough cash to sustain its growth or pay dividends.
تحتاج الشركة إلى تحسين التدفق النقدي لتجنب الإفلاس.
In everyday Arabic, you might hear this in news reports discussing the national economy or in business meetings. It is rarely used in casual street slang but is a staple of professional Arabic. The 'flow' implies a dynamic state; it is not a static pool of money, but a constant stream. This is why the root د-ف-ق is so evocative—it suggests a powerful, continuous movement.
- Positive vs. Negative
- Positive cash flow (تدفق نقدي إيجابي) means more money is coming in than going out. Negative (سلبي) means the opposite.
المشروع الجديد يولد تدفقاً نقدياً ممتازاً.
Understanding this term allows you to participate in discussions about startups, investment, and economic stability in the Arab world. Countries like the UAE and Saudi Arabia frequently use this terminology in their economic diversification reports. It is a 'high-value' vocabulary item for anyone looking to work in professional sectors in the Middle East.
- Operational Context
- It refers to the net amount of cash and cash-equivalents being transferred into and out of a business.
Using تدفق نقدي correctly requires understanding its grammatical role as a 'compound noun' (Idafa structure). 'تدفق' acts as the first part (Muḍāf) and 'نقدي' as the adjective describing the flow. In Arabic, adjectives follow the noun and agree in gender and number. Since 'تدفق' is masculine, 'نقدي' is also masculine. If you want to say 'The cash flows' (plural), you would use 'التدفقات النقدية'.
يعاني المتجر من ضعف في التدفق النقدي خلال فصل الشتاء.
When constructing sentences, verbs like 'يولد' (generates), 'يدير' (manages), and 'يراقب' (monitors) are commonly paired with this term. It is often the object of a sentence or follows a preposition like 'في' (in) or 'من' (from). For instance, 'التركيز على التدفق النقدي' (Focusing on cash flow) is a common phrase in management advice. It can also be modified by adjectives like 'مستقر' (stable), 'متقلب' (volatile), or 'قوي' (strong).
- Formal Usage
- 'يجب تقديم تقرير التدفق النقدي غداً.' (The cash flow report must be submitted tomorrow.)
هل يمكنك تحليل التدفق النقدي لهذه الشركة؟
In technical writing, you might see the term 'صافي التدفق النقدي' (Net Cash Flow). This specifies the result after subtracting outflows from inflows. Using the term in the plural 'التدفقات النقدية' is very common when referring to the general concept or multiple streams of income over time. It is important to maintain the definite article 'الـ' when speaking about 'the' cash flow in a specific context.
- Action Verbs
- To increase: زيادة التدفق النقدي. To decrease: نقص التدفق النقدي.
You will encounter تدفق نقدي in several specific environments. The most common is the financial news sector. Channels like Al Arabiya Business, CNBC Arabia, and Sky News Arabia use this term daily when discussing corporate earnings and stock market performance. If a major company like Aramco or Etisalat releases its quarterly results, the 'التدفقات النقدية التشغيلية' (operating cash flows) will be a headline figure.
أعلنت الشركة عن تدفق نقدي قياسي هذا العام.
Another common setting is the banking and startup ecosystem. In hubs like Dubai Internet City or Riyadh's financial district, entrepreneurs talk about 'burning through cash flow' or seeking 'positive cash flow' to attract venture capital. In these high-stakes environments, the term is used with urgency. You might also hear it in academic settings, particularly in MBA programs or accounting courses taught in Arabic across the Middle East.
- News Media
- Listen for it during the 'Business' segment (نشرة الاقتصاد) of any major Arabic news broadcast.
المحللون قلقون بشأن التدفق النقدي الحر.
Finally, in the legal and auditing world, this term is part of the standard lexicon for financial audits and legal disputes involving business valuation. If you are reading a contract or a financial audit report (تقرير تدقيق مالي), you will see it prominently featured in the tables and executive summaries. It is a precise, technical term that carries significant legal and financial weight.
The most frequent mistake learners make is confusing تدفق نقدي with 'ربح' (profit). In Arabic, as in English, profit is an accounting figure that includes non-cash items, while cash flow is the literal movement of money. A student might say 'الشركة لديها تدفق نقدي كبير' when they actually mean the company is profitable but has no cash. Using 'تدفق' implies current movement, whereas 'ربح' can be a static end-of-year calculation.
خطأ: الشركة لديها تدفق نقدي لكنها تخسر المال.
Another mistake is grammatical: forgetting that 'نقدي' is an adjective. Some learners might try to use 'نقد' (the noun for cash) directly, saying 'تدفق نقد'. While understandable, the correct technical term is 'تدفق نقدي' using the Nisba adjective. Also, be careful with the plural. Many learners use 'تدفقات نقد' instead of 'تدفقات نقدية'. The adjective must agree with the plural noun 'تدفقات', which is treated as feminine singular in its agreement (a common rule for non-human plurals in Arabic).
- Confusion with 'Income'
- Do not confuse it with 'دخل' (Income/Revenue). Income is money coming in; cash flow is the net of in and out.
Finally, watch out for the pronunciation of the 'qaf' (ق) in 'نقدي'. Depending on the dialect, this can change, but in the professional context where this word lives, the standard MSA 'q' sound (a deep 'k' from the throat) is preferred. Mispronouncing it as a 'g' (common in Gulf dialects) or a glottal stop (common in Levantine) might make you sound less professional in a formal business meeting.
While تدفق نقدي is the standard term, there are several related words you should know to build a complete financial vocabulary in Arabic. The most common synonym is 'سيولة' (Siyulah), which means 'liquidity.' While cash flow is the movement, liquidity is the state of having cash available. They are often used interchangeably in casual business talk, but 'تدفق' is more specific to the process of movement over time.
- تدفق نقدي vs. سيولة
- Cash flow is the 'river' (movement); Liquidity is the 'water in the tank' (availability).
نحن بحاجة إلى سيولة فورية لتغطية الرواتب.
Another alternative is 'حركة الأموال' (Movement of funds). This is a more general, less technical term. You might hear this in a bank when they are tracking where money went, rather than analyzing a business's health. There is also 'عائدات' (A'idat), which means 'returns' or 'revenues,' but this only focuses on the incoming side of the flow. For the outgoing side, you would use 'مصروفات' (Masrufat) or 'نفقات' (Nafaqat).
- Professional Terms
- 'متحصلات نقدية' (Cash receipts) and 'مدفوعات نقدية' (Cash payments) are the components of the flow.
In a more poetic or literary sense, 'فيض' (Fayd) can mean 'overflow' or 'abundance,' but you would never use this in a financial statement. Using 'تدفق' remains the golden standard for professional accuracy. If you want to sound like a native expert, learn to distinguish between 'التدفق النقدي التشغيلي' (Operating), 'الاستثماري' (Investing), and 'التمويلي' (Financing).
How Formal Is It?
豆知識
The root for cash (نقد) also means 'criticism' in Arabic. This is because a critic 'examines' a work of art or literature just as an ancient merchant would 'examine' a coin for its true value.
発音ガイド
- Pronouncing 'q' as 'k'.
- Failing to double the 'f' in 'Tadaffuq'.
- Pronouncing 'Naqdi' as 'Nakdi'.
- Omitting the 'i' sound at the end of 'Naqdi'.
- Merging the two words into one sound.
難易度
Requires understanding of technical vocabulary and the Idafa structure.
Spelling 'Tadaffuq' correctly with the shadda and the 'qaf' can be tricky.
Pronouncing the deep 'q' sounds naturally takes practice for English speakers.
Common in news and business, so it's easy to find listening practice.
次に学ぶべきこと
前提知識
次に学ぶ
上級
レベル別の例文
عندي تدفق نقدي صغير.
I have a small cash flow.
Simple noun-adjective agreement.
أين التدفق النقدي؟
Where is the cash flow?
Interrogative sentence.
هذا تدفق نقدي جيد.
This is good cash flow.
Demonstrative pronoun 'هذا'.
لا يوجد تدفق نقدي اليوم.
There is no cash flow today.
Negation using 'لا يوجد'.
التدفق النقدي مهم.
Cash flow is important.
Nominal sentence.
أريد تدفقاً نقدياً.
I want cash flow.
Accusative case for the object.
شكراً على التدفق النقدي.
Thanks for the cash flow.
Preposition 'على'.
هل التدفق النقدي كبير؟
Is the cash flow big?
Question particle 'هل'.
المحل يحتاج إلى تدفق نقدي.
The shop needs cash flow.
Verb 'يحتاج' followed by 'إلى'.
التدفق النقدي في الشركة ضعيف.
The cash flow in the company is weak.
Adjective 'ضعيف' describing 'تدفق'.
نحن نراقب التدفق النقدي كل شهر.
We monitor the cash flow every month.
Present tense verb 'نراقب'.
هل عندك تقرير عن التدفق النقدي؟
Do you have a report about the cash flow?
Possessive 'عندك'.
التدفق النقدي يزيد في الصيف.
Cash flow increases in the summer.
Verb 'يزيد' (to increase).
إدارة التدفق النقدي صعبة.
Managing cash flow is difficult.
Idafa construction 'إدارة التدفق'.
المال يدخل في التدفق النقدي.
Money enters the cash flow.
Verb 'يدخل' (to enter).
كيف حال التدفق النقدي اليوم؟
How is the cash flow today?
Common greeting structure 'كيف حال'.
يجب أن نوازن بين الأرباح والتدفق النقدي.
We must balance between profits and cash flow.
Modal 'يجب أن' plus subjunctive verb.
الشركة تعاني من مشاكل في التدفق النقدي.
The company suffers from cash flow problems.
Verb 'تعاني من' (to suffer from).
التدفق النقدي الإيجابي ضروري للنمو.
Positive cash flow is essential for growth.
Adjective 'إيجابي' (positive).
قمنا بتحسين التدفق النقدي هذا الربع.
We improved the cash flow this quarter.
Past tense 'قمنا بـ' (we did/performed).
المستثمرون يسألون عن التدفق النقدي.
Investors are asking about the cash flow.
Plural subject and verb agreement.
بدون تدفق نقدي، لا يمكننا الاستمرار.
Without cash flow, we cannot continue.
Preposition 'بدون' (without).
هذا المشروع يولد تدفقاً نقدياً مستقراً.
This project generates stable cash flow.
Verb 'يولد' (to generate).
علينا مراقبة التدفقات النقدية الخارجة.
We must monitor the outgoing cash flows.
Plural 'تدفقات' and feminine adjective 'خارجة'.
تحليل التدفق النقدي يكشف عن صحة الشركة.
Cash flow analysis reveals the company's health.
Verb 'يكشف عن' (to reveal/uncover).
تعتمد السيولة بشكل كبير على التدفق النقدي.
Liquidity depends heavily on cash flow.
Adverbial phrase 'بشكل كبير'.
الشركة لديها تدفق نقدي تشغيلي قوي.
The company has strong operating cash flow.
Technical adjective 'تشغيلي' (operating).
نواجه عجزاً في التدفق النقدي بسبب الديون.
We face a cash flow deficit because of debts.
Noun 'عجز' (deficit).
التدفق النقدي الحر هو ما يهم المساهمين.
Free cash flow is what matters to shareholders.
Relative pronoun 'ما'.
يتم حساب التدفق النقدي في نهاية السنة.
Cash flow is calculated at the end of the year.
Passive voice 'يتم حساب'.
استخدمنا التدفق النقدي لسداد القروض.
We used the cash flow to repay the loans.
Verb 'سداد' (repayment).
توقعات التدفق النقدي تشير إلى تحسن ملحوظ.
Cash flow projections indicate a noticeable improvement.
Plural 'توقعات' (projections).
يعد بيان التدفقات النقدية ركيزة أساسية في المحاسبة.
The statement of cash flows is a fundamental pillar in accounting.
Verb 'يعد' (is considered).
تتأثر التدفقات النقدية بالتقلبات في أسعار الصرف.
Cash flows are affected by fluctuations in exchange rates.
Passive verb 'تتأثر'.
يجب تقييم الشركة بناءً على تدفقاتها النقدية المخصومة.
The company must be valued based on its discounted cash flows.
Passive participle 'مخصومة' (discounted).
النمو السريع قد يؤدي إلى أزمة في التدفق النقدي.
Rapid growth may lead to a cash flow crisis.
Modal 'قد' expressing possibility.
استراتيجية الشركة تهدف إلى تعظيم التدفق النقدي.
The company's strategy aims to maximize cash flow.
Verbal noun 'تعظيم' (maximizing).
هناك فجوة زمنية بين المبيعات والتدفق النقدي الفعلي.
There is a time gap between sales and actual cash flow.
Noun 'فجوة' (gap).
تعتبر التدفقات النقدية مقياساً أكثر دقة من الأرباح الورقية.
Cash flows are considered a more accurate measure than paper profits.
Comparative 'أكثر دقة'.
تم إعادة استثمار التدفق النقدي في البحث والتطوير.
The cash flow was reinvested in research and development.
Passive construction 'تم إعادة استثمار'.
تتجلى كفاءة الإدارة في قدرتها على استدامة التدفق النقدي.
Management efficiency is manifested in its ability to sustain cash flow.
Verb 'تتجلى' (is manifested).
تحليل الحساسية يظهر أثر التضخم على التدفقات النقدية المستقبلية.
Sensitivity analysis shows the impact of inflation on future cash flows.
Technical term 'تحليل الحساسية'.
تكمن المعضلة في موازنة التدفق النقدي مع الالتزامات طويلة الأجل.
The dilemma lies in balancing cash flow with long-term obligations.
Verb 'تكمن' (lies/exists within).
تعد التدفقات النقدية السيادية مؤشراً على القوة الاقتصادية للدولة.
Sovereign cash flows are an indicator of a country's economic strength.
Adjective 'سيادية' (sovereign).
يتم فحص التدفق النقدي بدقة متناهية قبل عمليات الاستحواذ.
Cash flow is examined with extreme precision before acquisitions.
Phrase 'بدقة متناهية' (extreme precision).
تؤدي الضرائب المرتفعة إلى تآكل التدفق النقدي المتاح للاستثمار.
High taxes lead to the erosion of cash flow available for investment.
Verbal noun 'تآكل' (erosion/eating away).
إن هيكلة الديون تعتمد كلياً على توقعات التدفق النقدي الصارمة.
Debt structuring depends entirely on rigorous cash flow projections.
Emphatic particle 'إن'.
يساهم تحسين رأس المال العامل في تعزيز التدفق النقدي الإجمالي.
Improving working capital contributes to enhancing overall cash flow.
Verb 'يساهم في' (contributes to).
類義語
反対語
よく使う組み合わせ
よく使うフレーズ
— A situation where a business cannot meet its short-term obligations due to lack of cash.
تمر الشركة بأزمة تدفق نقدي حادة.
— The process of creating cash through business activities.
هدفنا هو توليد تدفق نقدي مستمر.
— The time it takes for cash to go out and come back in.
يجب تقصير دورة التدفق النقدي.
— The act of keeping track of cash movements.
المراقبة الدقيقة للتدفق النقدي ضرورية.
— Taking steps to increase the efficiency of cash movement.
كيف يمكننا تحسين التدفق النقدي؟
— Potential problems that could disrupt cash movement.
يجب تقييم مخاطر التدفق النقدي.
— The period between paying suppliers and receiving money from customers.
الفجوة في التدفق النقدي تتسع.
— Cash generated specifically from core business activities.
التدفق النقدي من العمليات قوي جداً.
— Using cash flow to pay for specific costs like debt interest.
نسبة تغطية التدفق النقدي جيدة.
— The consistency of cash movement over time.
المستثمرون يفضلون استقرار التدفق النقدي.
慣用句と表現
— Equivalent to 'Cash is King'. It emphasizes that having cash flow is more important than paper profit.
في وقت الأزمات، السيولة هي الملك.
Business Idiom— To spend cash flow rapidly without generating immediate returns, common in startups.
الشركة بدأت في حرق الأموال بسرعة.
Slang/Business— To cut off the sources of cash flow.
العقوبات أدت إلى تجفيف منابع المال.
Political/Economic— To have an endless or very steady stream of cash flow.
في هذا المشروع، صنبور المال لا ينقطع.
Informal— To have negative cash flow for so long that debts become overwhelming.
التاجر غرق في الديون بسبب سوء الإدارة.
Common— To have an overwhelming amount of positive cash flow.
بعد النجاح الباهر، أصبحوا يسبحون في الذهب.
Metaphorical— To have no real cash flow despite appearances (literally 'catching the wind').
وعودهم كانت مجرد قبض ريح.
Literary— Living paycheck to paycheck; having just enough cash flow to survive.
الفقير يعيش من اليد إلى الفم.
Common— Creating new sources of cash flow or opportunity.
التوسع في الخارج فتح آفاقاً جديدة للشركة.
Professional— Clarifying the financial situation, including cash flow.
يجب وضع النقاط على الحروف بخصوص الميزانية.
Formal語族
名詞
動詞
形容詞
関連
暗記しよう
記憶術
Think of 'Tadaffuq' as 'The-Daf-Flow' (like a 'Daf' drum beat flowing) and 'Naqdi' as 'Next-Dimes' (money). The flow of next dimes.
視覚的連想
Imagine a river made of golden coins flowing into a bank and then flowing out to pay workers. The river itself is the 'Tadaffuq'.
Word Web
チャレンジ
Try to explain your monthly 'تدفق نقدي' to a friend using only Arabic words for 'rent', 'food', and 'salary'.
語源
The word 'تدفق' comes from the Arabic root د-ف-ق (D-F-Q), which relates to the pouring or gushing of liquids. It is an ancient Semitic root found in various contexts of nature. 'نقدي' comes from the root ن-ق-د (N-Q-D), which originally meant to strike or tap a coin to check its quality (to 'clink' it).
元の意味: Flowing water and the testing of coins for purity.
Semitic / Afroasiatic文化的な背景
Avoid asking individuals about their personal 'تدفق نقدي' unless you are their accountant or a very close family member.
English speakers often use 'Cash Flow' casually. In Arabic, 'تدفق نقدي' is slightly more formal and technical.
実生活で練習する
実際の使用場面
Business Meeting
- ما هو وضع التدفق النقدي؟
- نحتاج لتحسين التدفق النقدي.
- التدفق النقدي سلبي حالياً.
- لنراجع بيان التدفقات النقدية.
Financial News
Summary
The term 'تدفق نقدي' is the Arabic equivalent of 'cash flow' and is vital for anyone discussing business or finance. Unlike profit, it tracks the actual timing of cash arrivals and departures, making it the ultimate measure of a company's immediate survival. Example: 'بدون تدفق نقدي قوي، ستفشل الشركة' (Without strong cash flow, the company will fail).
- Cash flow (تدفق نقدي) measures the literal movement of money in and out of a business, distinct from profit.
- It is a key indicator of liquidity and financial health, used by investors and managers to ensure bills can be paid.
- The term is composed of 'تدفق' (flow) and 'نقدي' (monetary), reflecting a dynamic process of financial exchange.
- In Arabic business contexts, it is essential for discussing quarterly reports, startup stability, and investment viability.
関連コンテンツ
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B1誠実で、正しく、偏見のない方法で行動することを意味します。
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A2人々に情報を伝えること、しばしば公式に、あるいは公に。
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B1平均よりもずっと質が良い、とても良い品質であることを意味するよ。
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B1一般的に (Ippanteki ni).
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B1一般にとは、ほとんどの場合やほとんどの人々を指します。
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B1仕事や商業活動など、人々が行う仕事のことを指します。