Tuesday, June 6, 2023

IMPORTANCE OF COMMUNICATION OUTSIDE THE ORGANIZATION.


Business communication; is the process of sharing information for the benefit of business. Its general categories as being either internal or external. Is goal oriented. Internal business communication: refer to communication between members of an organization both formal and informal communication are included in this conversation. Internal communication also include many department that communicate with employee through various channel internal communication should be effective since it is an important mean of viewing and representing organization concerns. External business communication; refer to interaction with people outside of the organization. These people can be clients, stockholder, suppliers, and partner, regulatory organization etc. email, ads, brochures, newsletter, content market and other form of external communication are common. External communication aim to facilitate communication or entities. The following important to communicate within and outside the organization.

The start of external communication the organization

Spreading the Newsor information:

External communication is any communicative effort specifically for people and organizations operating outside of the business environment. While internal communications are specifically for employees and management, external communications focus on spreading news and information about the corporation to the public, customers, and company stakeholders. Suppliers or other people. Common examples of external business communications include direct mailings, financial records, press releases, brochure, offer, promotion and Newsletters.

Image building:

A business enterprise cannot isolate from the rest of the society. There is interrelationship and    inter-dependence between the society and an enterprise operating in society. Although many companies focus on sales as a measure of business success, public perception is just as important to the organization’s bottom line. Communications are one way to shape and define a corporation's image to the community, clients, and potential investors. External communications such as newsletters, media stories and press releases let the public know about the company workplace, philanthropic and environmental efforts, and other image-related activities, all of which serve to strengthen the public relations efforts of a company.

 

Reach New Customers

While traditional print methods of communications are still common, modern technology has changed the face of external communications, and the internet has become a valued resource in reaching new customers. Companies create websites to let people know of upcoming products and services. Social media such as Facebook and blogs are an easy way to reach target demographics and are a cost-effective means of promotion. However, with interactive technology there is also the possibility of public backlash, such as negative comment posting. In the long run, the benefits far outweigh the risks, as technology is far-reaching and allows the company to communicate with audiences all over the world.

Persuasive

Effective external communication can persuade customers to take a certain desired action. Your marketing strategy, for example, can influence customers to buy your products or visit your place of business. An effective public relations campaign can make use of media to build the image of your business in the local community. If your business is expanding and you're in need of additional employees, your recruitment efforts can persuade potential employees to consider working for your company.

Customer-Focused

Your external communication is a way to provide service to your customer base and to stay in touch. When your customers have a problem or question, communication methods like email, telephone or an in-person customer service department allow your customers to resolve any issues. By sending a newsletter or information about special promotions by email, you're keeping your business in the mind of your customers, which can lead to repeat business. The better you communicate with your existing customers, the less time and resources you will need to spend on finding new ones.

Partner-Friendly

At some point in the life of your business, you will likely need to form an alliance with another business in areas such as marketing or expansion, or even to develop a relationship with a supplier. How well you communicate with these entities will help determine your success in these areas. If you develop a reputation as someone who is easy to do business with, you can increase your chances of forming mutually beneficial business relationships, which will ultimately affect your bottom line.

Emphasizes Listening

External communication is not just about spreading your message or reaching out to others. Effective communication also involves taking the time to listen to any feedback you receive. A customer service survey gives customers the opportunity to tell you what is good and bad about your business and lets them know that you care about what they think.

The following of internal communication the organization.

Improves employee engagement;

Internal communication allows employees to understand the goals of the business, participate actively to devise plans and strategies to achieve those goals, and get appreciated for all their efforts.When employees know that their contributions are valued and appreciated, they push themselves to be at their best at work every day.When you establish two-way communication channels in your organization that are open to everyone, employee engagement flourishes.Employees who are engaged with their work tend to do their everyday tasks passionately and feel motivated to do so. Also, they connect themselves with the vision and the values of the organization.

Makes teams stronger;

It’s a fact that teams can’t grow stronger when they can’t communicate and coordinate properly.When your team has large communication gaps, there tends to be an abrupt and untimely flow of information. As a result, misunderstandings arise and teams fall apart.Additionally, by staying in touch with one another over text chats, audio calls, video calls, or face-to-face meetings, every team member stays informed of what they need to do at a given time. Also, there will be harmony in the team and team members will feel connected as a group.

Ensures organization-wide transparency;

Internal communications ensure transparency in an organization, and transparency ensures trust. Employees don’t want to learn about a big announcement through a third person or external sources. They want to learn through their company leaders or top-level management.The biggest and the most evident challenge that weak internal communication spurs in an organization are rumors.If your organization’s internal communication strategy is weak or if there isn’t one, you are likely to observe that rumors circulate so frequently in your organization that you can’t even trace their origin.However, if ever, or we can say that most of your employees know what is happening within the organization, it becomes difficult for rumors to thrive.So, what good internal communication does is that it keeps everyone informed and helps to maintain a high level of transparency among employees.

Lowers chances of conflict;

When people get together and work together to achieve shared objectives as a team, conflicts become unavoidable.One of the most common reasons for conflicts to arise among the members of a group is the difference in their ideas and beliefs. However, it doesn’t mean that you can’t minimize internal conflicts among your employees.Generally, the ideas of every individual differ from the ideas of others in some way. However, to avoid a conflict from happening whenever two or more employees share their ideas is to encourage them to communicate with one another.Now you may be thinking, Why do they need to communicate?The answer is quite simple, every person sees things from their perspective and builds perceptions based on their observations. So, to understand the beliefs and perceptions of one another, they need to communicate. And, the internal communication acts as a window to learn the thought process of others.

Establishes a good work environment;

It’s the work environment that decides whether your employees are going to stay with you for many years to come or leave as soon as they get even a slightly better opportunity.Internal communication plays a pivotal role in establishing a good work environment and the culture of your organization.You should consider the work environment of your organization to be fine if your employees feel both excited and satisfied with their work.An internal communication strategy that is well-defined helps you to develop a culture that allows employees to interact with one another, stay updated with all the happenings in and out of the business, and step up to share their thoughts, etc.When employees feel that they are an active part of the organization, the chances of retaining them become better.

Promotes feedback and innovation;

Effective collaboration is required to run smoothly and reach the necessary business goals. Internal communications facilitate that and help create a place of openness whereby employees can discuss and pitch their ideas. Employees can put their views forward so the top-level management can understand their employees better. This type of two-way communication can enhance relationships between all the stakeholders in the organization and ensure a culture of innovation. Feedback enables employees to put forward what they think. It is about a particular flow of things at work or how they are expected to work. When employees feel like their opinions matter, they are more likely to be connected to the company. This can help increase engagement and boost productivity. Employees appreciate feedback, and a solid internal communications strategy ensures feedback and discussions are a routine part of the business.

Conclusion. Internal communications need as much attention, if not more, than external communication. It all starts from within the business. If employees are engaged, they perform better, and the business grows. In the all-new every day and hybrid work world, businesses need to re-focus on internal communications and put effort into their strategies.

 

Saturday, June 3, 2023

Orodha ya fursa mbali mbali za kujiajiri na miradi


  Katika ulimwengu wa sasa ambao ajira zimekuwa ngumu na shida kupatikana, ujasiriamali na biashara vimekuwa ndio kimbilio la wengi. Watu wengi wanaingia kwenye biashara kama njia kuu ya kujipatia kipato.

Hizi hapa Orodha ya fursa mbali mbali za kujiajiri na miradi

1. Kununua Mashine za kukoroga zege na

kukodisha.

2. Kununua Mashine za kukata vyuma na

kuzikodisha.

3. Kutengeneza na kuuza tofali

4. Ufundi, Website updating/Database: Katika

Halmashauri, Manispaa, Mashule, Wizara, Wilaya

na Makampuni mbalimbali.

5. ** Kuanzisha kituo cha redio na televisheni

6. Kufunga na kutengeneza vifaa mbalimbali vya

electroniki na mawasiliano mfano; compyuta na

vifaa vya compyuta na mawasiliano.

7. ** Kuuza software; mfano Antivirus, Operating

Systems, Pastel, Tally, Myob, n.k

8. Kushona na kuuza nguo.

9. Kufungua Duka la kuuza nguo mpya; suit, socks,

batiki, nguo za asili, Mashuka, Mashati, Suruali,

10. Ufugaji wa mifugo mbalimbali mfano Kondoo,

Mbuzi, Ngombe, Kuku, Bata, na wengine.

11. Kufungua stationery, kuuza (supply) vitabu na

vifaa mbalimbali ktk mashule na vyuo.

12. ** Kutoa ushauri mbalimbali wa Kitaalamu.

13. Kuuza viazi, mahindi, mihogo, kutengeneza

popcorn na kuziuza.

14. Kusajili namba za simu na kuuza vocha

15. Kuwa na mradi wa Pikipiki zisizotumia mafuta

na zinazotumia mafuta

16. ** Kilimo cha mazao mbalimbali kulingana na

hali ya hewa ya sehemu husika.

17. Kuuza Mitumba

18. ** Kusimamia miradi mbalimbali

19. Kufungua duka la kuuza mitambo mbalimbali

20. Kufungua banda la chakula na chips

21. Kukodisha turubai viti na meza

22. Kufungua Supermarket

23. Kufungua Saluni

24. Kufungua Bucha

25. Video Shooting & Editing.

26. ** Kufungua Internet cafe

27. Duka la kuuza matunda

28. Kufungua duka la kuuza vifaa vya simu za

mkononi na landline.

29. Kufungua duka la vifaa vya ujenzi; cement, vifaa

vya umeme, duka la mabati

30. Kutengeneza michoro mbalimbali ya majumba na

miradi ya ICT

31. Kuchapa vitabu, bronchures, n.k

32. Kuanzisha kampuni ya ujenzi (Building

contractor)

33. Kuuza Vifaa vya umeme wa nishati ya jua

(solar) ,battery, inverter na vifaa vingine vya

solar n.k

34. ** Kuuza maji kwa jumla na rejaleja.

35. Kutengeneza na kuuza Unga wa lishe bora.

36. Kukodisha Music

37. Kuanzisha Mradi wa Taxi

38. ** Kuanzisha mradi wa Daladala

39. Kuuza vifaa vya Kompyuta, laptops, converters,

HDDs, Monitors, Softwares, CD Copiers na vifaa

vingine.

40. ** Kununua magenerator na kukodisha

41. Kufungua kampuni ya kutoa huduma za simu

42. ** Kufungua kampuni ya kutoa huduma za

internet (ISP)

43. Kuuza mabati na vigae

44. Kujenga apartments

45. ** Kufungua Kisima cha mafuta ya taa au

mafuta ya aina zote

46. Kufungua Duka la samaki

47. Kufungua Duka la nafaka

48. ** · Kufungua Shule za Awali, Shule za Msingi,

Sekondari na Vyuo.

49. Kujenga hostel

50. Kuuza vocha na vingamuzi vya DStv, Zuku,

Startimes, Easy TV, TNG, Digitech, Continental.

51. ** · Kujenga mtambo wa kuzalisha umeme na

kuuza katika viwanda na wananchi.

52. Ufundi simu

53. Kufungua Hospitali, Zahanati.

54. Maabara ya Macho, Meno

55. ** Kuchimba/Kuuza Madini

56. ** Kufungua ofisi ya kutoa huduma ya simu na

fax

57. Kuuza miti na mbao

58. Kufungua Grocery, bar

59. Kufungua studio ya kupiga na kusafisha picha

60. ** Kucharge simu/battery

61. Duka la TV na vifaa vingine

62. Kuanzisha biashara ya kuuza vyakula katika

sherehe na tamasha mbalimbali (catering).

63. ** Banda la kupigisha simu

64. Kuuza na kushona Uniform za shule

65. Kuanzisha duka la kuuza vitu kwa jumla.

66. Kufungua gereji za kutengeneza bajaji, pikipiki na

magari

67. Kuuza vyuma, pembejeo, rake, jembe

68. Kuuza fanicha

69. Kufungua sehemu ya kuziba pancha za matairi

ya magari na mitambo.

70. Kujenga nyumba za kulala wageni (hotel)

71. Kuagiza na kuuza vifaa vya aluminium.

72. Kuuza vioo

73. Kushona na kukodisha nguo za harusi

74. ** Kufungua yard kwa ajili ya kuosha magari

75. Kuuza mashine za kuchomelea (welding

machine).

76. Kuuza vifaa vya kuvaa Site (boots, helmets etc)

77. ** Kununua mabasi kwa ajili ya kusafirisha

wanafunzi

78. Kufungua studio ya kutengeneza vipindi vya

redio na televisheni

79. ** Kuanzisha ofisi ya michezo ya televisheni (TV

Games)

80. ** Kufungua benki

81. Kuwa na malori ya kubeba kokoto na mchanga

82. Kuuza vifaa mfano TV, CCTV Camera, n.k

83. Kuwa dalali wa vitu mbalimbali

84. Kuanzisha mradi wa kukodisha fork lift na

winchi (crane)

85. Kuanzisha kiwanda cha kutengeneza viatu.

86. ** Kuanzisha viwanda mbalimbali

87. Duka la vifaa vya simu na gadgets mbalimbali

zinazoendana na mawasiliano ya Vodacom,

TTCL, AIRTEL, TIGO, ZANTEL, n.k.

88. ** Kujenga Ukumbi wa kukodisha kwa sherehe,

mikutano mbalimbali

89. Kununua matrekta, mitambo ya ujenzi wa

barabara na kukodisha

90. Kutengeneza antenna na kuuza

91. Kufungua mradi wa Machine za kusafisha,

kutoboa na kuchana mbao

92. ** Kufungua mradi wa kuuza vifaa vya Umeme

wa kutumia upepo

93. Biashara ya kuagiza magari

94. Kufanya biashara za Jukebox

95. ** Kukodisha matenki ya maji**

96. Kufungua duka la kuuza Asali

97. Kutengeneza Mikokoteni/ matoroli na kuikodisha

98. Kufungua Duka la vinyago, batiki

99. Kuanzisha huduma ya AIRTEL MONEY, MPESA,

TIGOPESA, EZY PESA

100. ** Kuanzisha sehemu ya kufanyia mazoezi

(Gym).

101. Kununua na kuuza vifaa vya kupima ardhi.

102. Kufungua duka la kuuza dawa (pharmacy).

103. Kufungua Kampuni ya Ulinzi

104. Kufungua kampuni ya "Clearing and fowarding"

105. Kuchezesha vikaragosi

106. Kuuza spea za bajaji, magari na pikipiki

107. Kuuza baiskeli

108. Kuuza magodoro

109. Kuuza vyombo mbalimbali kwa ajili ya matumizi

ya nyumbani mfano bakuli, sahani, vikombe,

vijiko,

110. Kuuza marumaru (limestones)

111. Kuuza kokoto

112. Kuuza mchanga

113. Kufundisha Tuisheni

114. Biashara za bima

115. ** Kampuni ya kusafirisha abiria kwa njia ya

anga (ndege)

116. Biashara za kitalii

117. Biashara za meli na maboti.

118. ** Kampuni ya kuchimba visima

119. Kufungua ofisi ya wakili/mawakili wa

kujitegemea

120. Kuuza mkaa

121. Kutengeneza mashine za kutengeneza tofali

122. ** Kampuni ya kupima ardhi

123. Kampuni ya magazeti

124. Kuchapa (printing) magazeti

125. Kuuza magazeti

126. ** Kuchimba mafuta

127. Kiwanda cha kutengeneza mabati

128. Kiwanda cha kutengeneza fanicha

129. Kiwanda cha kutengeneza matairi

130. Kutengeneza vitanda vya chuma

131. ** Kununua nyumba katika Maghorofa

(Apartments) na kuzikodisha.

132. Kukodisha makapeti

133. Kupamba maharusi na kumbi za harusi/sherehe.

134. Mashine ya kusaga na kukoboa nafaka.

135. Kazi ya ususi na kusafisha kucha.

136. Kuuza Gypsum

137. Malori ya kubeba mafuta na Mizigo

138. Duka la kuuza mboga za majani

139. Duka la kuuza maua.

140. Kampuni ya kuzoa takataka

141. Kampuni ya kuuza magari

142. ** Kuuza viwanja

143. Uvuvi

144. Kutengeneza na kuuza nguzo za kujengea fensi

145. Uchoraji wa mabango.

146. Duka la kuuza silaha

147. Ukumbi wa kuonesha mpira

148. Biashara ya mlm (network marketing)

149. ** Yadi kwa ajili ya kupaki magari

150. Mradi wa trekta za kukodisha kwa ajili ya kilimo

NJIA ZITAKAZOKUSAIDIA KUPATA WAZO BORA LA BIASHARA / UJASIRIAMALI

 PART 1

njia zitakazokusaidia kupata wazo bora la biashara/ujasiliamali

Fursa na mawazo mbalimbali ya biashara yanatoka katika mazingira yanayotuzunguka; majumbani, makazini, mashuleni, safarini n.k Wajasiriamali waliofanikiwa hupata mawazo ya kuanzisha biashara, kuwa makini na kulifanyia kazi wazo la biashara alilolivumbua katika mazingira yanayomzunguka.


zifuatazo ni njia mbali mbali zitakazokusaidia kupata wazo la biashara/ujasiliamali


1.Kitu ukipendacho sana (hobby)

Mara nyingi watu hupenda kutumia muda fulani katika siku ama wiki kujiburudisha na vitu wavipendavyo mathalani kuchezea kompyuta, kupika, muziki, safari, michezo, na kufanya mazoezi.

Kutokana na kufanya jambo unalolipenda unaweza kuibua wazo la biashara, mathalani kuna watu wanapenda kunywa vilevi na mwisho wa siku wananzisha biashara ya baa.


2.Toka nje, jichanganye na watu

Ni vema ukatoka nje kujichanganya na watu ili uone fursa mbalimbali zilizopo kwa muda huo ambazo zitaweza kukusaidia ukatoa maamuzi ya kuanzisha biashara yako huku ukikutana na wafanyabiashara waliotangulia kwa kuiga tabia za kisiriamali.Mawazo ya kibiashara hayapatikani kwa kukaa ndani na kusubiri wazo lishuke kutoka mbinguni. Unahitajika ubunifu ambao unaweza kuupata kupitia maonyesho ya biashara, kutembelea wafanyabiashara wazoefu na kubadilishana mawazo. Ikiwezekana “wawinde” wafanyabiashara unaowafahamu ambao unaweza kuongea kuhusu wazo lako. Ishi kwa kuangalia wanavyoendesha biashara zao. Wengi hukatisha watu tama, usiwajali.


3.Maonyesho

Maonyesho ya kibiashara ni sehemu muhimu sana inayokutanisha wagavi, watengenezaji wa bidhaa mbalimbali, wanunuzi na wasambazaji. Kuhudhuria maonyesho ya biashara ambayo mara nyingi yanatangazwa kwenye vyombo vya habari itakusaidia kujifunza mengi kutoka kwa watu wengine na kuvutiwa na biashara ambayo unaweza kuifanya.


4.Malalamiko ya wateja

Tumia malalamiko ya wateja kama njia ya kupata wazo la kuanzisha biashara mpya. Mara nyingi tumekuwa tukishuhudia foleni kubwa kwenye benki, kucheleweshewa mkopo, magari ya abiria kujaza sana na vikwazo vingine vingi, katika hili pia unaweza kupunguza malalamiko hayo kwa kuanzisha biashara mpya.


Somolitaendelea

sharenamwenzakoajifunzepia

NJIA ZA KUPATA MTAJI WA BIASHARA

 PART 1

NJIA ZA KUPATA MTAJI WA BIASHARA

Baada ya kuamua kuingia kwenye biashara/ ujasiriamali, sasa unahitaji mtaji wakufanyia na kukuzia biashara yako.

Mambo muhimu kuyajua:Sio kila biashara inahitaji mtaji au mtaji mkubwa! Kuna biashara zingine unahitaji tu kufahamiana na watoa bidhaa au huduma basi. Mfano biashara ya bodaboda, unahitaji tu kufahamiana na mwenye boda boda wewe unafanya kazi kwanza halafu unapeleka sehemu ya makubaliano yako na tajiri baadaye

Hata kama biashara yako itahitaji mtaji mkubwa unaweza siku zote funja funja hayo malengo ya biashara katika ngazi ambayo unaweza anza na mtaji unaoweza kumudu kuupata.Mfano unaweza kuwa unataka kuwa na hoteli kubwa ya biashara. Hapa unaweza anza na mgahawa na baadaye ikakua Mfano wa pili Labda unataka kuwa na supermarket, unaweza anza na mtaji wa 10,000 kuunza vitunguu, chumvi kwa nyumba za jirani mpaka ufukishe mwaka utakuwa na mtaji mkubwa ajabu.


Kama biashara yako itahitaji mtaji kwanza fikiria mambo manne (4) yafuatayo

1. Aina ya biashara (Kuzalisha, kuchuuza, huduma)

2. Aina ya soko (kipato kidogo, wanawake tu, wanaume tu, watoto tu, vijana tu, kijiji au mtaa tu nk)

3. Ukubwa wa mtaji (Mdogo, wa kati au mkubwa?)

4. Ufahamu wako kwenye biashara yako – Elimu/Ujuzi nk

Majibu ya maswali hapo juu ndio itakayoamua wewe upate mtaji wapi


Sasa swali, wapi utapata huo mtaji

1. Mali Binafsi

Kama una shamba, fedha, nyumba, gari, mifugo, mazao nk unaweza kutumia mali hizi kama mtaji wa biashara

Kumb. Ukishakubali kuwa mfanyabiashara wewe utakuwa daima ni mtu wa kununua na kuuza. Kwa hiyo hata kitanda chako unachokipenda sana kwa wakati fulani unaweza lazimika ukiuze ili upate mtaji wa biashara. Muhimu usiingie kichwa kichwa kwenye biashara na kujiletea hasara.


Faida ya aina hii ya mtaji#Haina riba, hata ikitokea bahati biashara ikafilisika haiwezi filisi na mali zingine kwani hakuna dhamana ya mali yako.


Hasara:# Hakuna msukumo wa biashara kwani mhusika hajali hata akipata hasara, Hivyo ni vigumu kupata faida na biashara kukua.


2. Wabia wa Biashara

Saa nyingine unatakiwa kuwatumia watu wengine ili kupata yafuatayo

1. Mtaji wa mali

2. Mtaji wa mawazo na fikra tofauti

Wabia wa baishara yako inaweza ongeza kasi ya kukua kwa biashara kwani fikra tofauti inaweza kuwa chachu ya maendeleo ya biashara husika ukiachilia mbali mtaji ambao wabia wako watakuja nao.

Inabidi lakini uwachague kwa uangalifu mkubwa wabia wako kwani wengine wanaweza kuwa ni wavurugaji na sio wa kuaminiwa.


Faida: Kuongezeka kwa kasi ya kukua kwa biashara kwa sababu ya fikra tofauti


Hasara: Mifarakano yenye kuweza kuua biashara ni dhahiri


3. Wawekezaji wa Biashara

Wawekezaji ni watu ambao wanaweza toa mali na pesa zao kukuwezesha wewe kufanya biashara yako lakini wao watahitaji baada ya muda wa uwekezaji warudishiwe pesa au mali zao na riba mliokubaliana kwenye mktaba wa uwekezaji.


Faida: Uhakika wa mtaji na hivyo uhakika wa kufanya biashara


Hasara: Biashara isipotengeneza faida kwa muda mliokubaliana inaweza sababisha kushitakiana na hatimaye biashara na mali zako kufilisiwa


4. Mkopo Kutoka kwa Watu wa Karibu

Ndugu/jamaa/marafiki na majirani wanaweza kuwa ni chanzo kizuri ya mtaji usio nariba.

Wanaweza kukupa fedha taslimu, wanyama, vitu kama mashine, mitambo, nyumba, ardhi, gari, kompyuta, na vifaa mbalimbali


Faida: Ni rahisi kupata mkopo bila mlolongo wa masharti, uwezekano wa kufilisiwa ni mdogo au hakuna kabisa


Hasara: Kwa vile ni mkopo wa ndugu/jamaa, jirani na marafiki, hakuna msukumo wa kufanya biashara kwa sababu hakuna kufilisiwa hivyo ni ngumu kupata faida na pia kukua kwa biashara yako


#SOMOLITAENDELEA

#SHARENAMWENZAKOAJIFUNZEPIA

NJIA ZA KUPATA MTAJI WA BIASHARA

 PART 2

somo lililopita tulijifunza njia nne za kupata mtaji wa biashara pamoja na faida na hasara za kila njia. Sasa tunaendelea na njia zingine za kupata mtaji wa biashara


5. Mkopo Kutoka Kwenye Vyama, Vikundi nk

Vyama vya kijamii, kitaaluma, vikundi vya kuweka na kukopa, Vikoba vinaweza kuwa chanzo cha karibu kupata mkopo wa biashara wenye riba na masharti nafuu. Unachotakiwa tu ni kuwa mwanachama wa chama chenye kukopesha na kufuata masharti ya chama husika.


Faida: Uhakika wa mtaji japo unaaza na mdogo, uanweza kuepuka kufilisiwa mali zako. Kunakuweo na msukumo kwa kiwango fulani ya kufanya biashara na hivyo uwezekano wa kupata faida na biashara yako kukua


Hasara: Mtaji ni mdogo pale unapooanza


6. Mkopo Kutoka Kwenye Mashirika ya fedha (Micro-Credit Enterprises)

Mashirika kama Pride Tanzania, Vision Tanzania (zamani ikiitwa SEDA), Finca, Faida nk ni hatua nzuri kwa biashara ndogo kwani nao kama ilivyo vikoba wanatoa mikopo midogo kwa masharti nafuu.


Faida: Mlolongo mdogo, dhamana ni rahisi, wanaelimisha


Hasara: Riba ni kubwa, biashara ikifeli utafilisiwa mali ulizoweka dhamana


7. Mkopo kutoka Benki na Tasisi kubwa za Fedha

Mkopo unaohusisha benki ni sharti iwe ni biashara kubwa na mhusika awe na uhakika na soko pamoja na mtaji kurudi.

Mabenki mengine wanatoa mikopo mikubwa na midogo kwa pamoja.


Faida: Uhakika wa kupata mkopo mkubwa, pia msukumo wa kufanya biashara ni mkubwa na hivyo uwezekano mkiubwa wa kutengeneza faida


Hasara: Mlolongo wa kuupata ni mrefu, Kwa bahati mbaya biashara ikifeli, unafilisiwa haraka mali uliyoweka dhamana


Masharti ya mkopo

Unapokwenda benki  au taasisi nyingine za kifedha kuomba mkopo lazima utakutana na masharti yafuatayo ili uweze kupata mkopo huo. 

– Dhamana kama vile nyumba, arthi, mazao, kikundi n.k.

– Mchanganuo wa biashara

– Biashara inayo endelea(<miaka 3)

– Kuwepo kwa ofisi kama ni mkopo mkubwa zaidi ya milioni 3

– Biashara iliyosajiliwa kam ni biashara kubwa

– Riba ya mkopo

– Kiasi cha mkopo na uwezo wa mkopo

– Muda wa kurudisha mkopo na riba

#MWISHOWASOMO #SHARENAMWENZAKOAJIFUNZEPIA

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