Komwe mungapeze wogulitsa ndalama - tsatane-tsatane malangizo pakupeza ndalama zoyambira bizinesi kuyambira pachiyambi + TOP-6 zosankha zokopa ndalama

Masana abwino, owerenga okondedwa a Magazini azachuma a Ideas for Life! Popitiliza mutu wakubzala ndalama, tilingalira za momwe tingapezere ndalama kubizinesi, zomwe, komwe ndi momwe tingapezere wogulitsa ndalama kuti ayambitse bizinesi kuyambira pomwepo, zomwe tingachite kuti amuvomereze kupeza ndalama zantchito, ndi zina zambiri.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

M'nkhaniyi tikambirana:

• Kodi amalonda ndi chiyani komanso momwe angawakope moyenera kuti ayambe bizinesi;
• Ndi njira ziti zomwe ziyenera kutengedwa kuti mupeze wogulitsa kuyambira pachiyambi;
• Ndi malamulo ati omwe ayenera kutsatidwa pakupeza wogulitsa ndalama;
• Ndingayankhule ndi ndani kuti andithandizire kupeza ndalama.

Pamapeto pa positi, mupezanso mayankho a mafunso omwe amafunsidwa kawirikawiri.

Nkhaniyi ikhale yothandiza kwa aliyense: monga amalonda oyamba kumene, ndi omwe ali nawo kale chidziwitso pakupanga bizinesi yanu... Komanso, nkhaniyi ipatsa chidwi kwa iwo omwe ali ndi chidwi ndi lingaliro lazachuma komanso ndalama.

Kuti mupeze zothandiza pakukopa ndalama, werengani nkhani yathu mpaka kumapeto.

Komwe ndi momwe mungapezere wogulitsa ndalama kuti ayambitse bizinesi, zomwe muyenera kuyang'ana mukamafunafuna azabizinesi yaying'ono kuyambira pomwepo - muphunzira za izi ndi zina zambiri munkhaniyi.

1. Chifukwa chani ndipo akufuna cholinga chanji invest

Osatengera mtundu wa zochitika, bizinesi imafunikira ndalama. Ngati simukweza ndalama, ngakhale ntchito yabwino kwambiri yopanga sadzakhalapo... Izi zimawopseza bizinesi kuti iwonongeke pakamakonzekera.

Tiyenera kumvetsetsa kuti pakukula bwino kwamalonda, ndikofunikira kuti musaphonye mphindiyo. Chifukwa chake, amalonda, monga lamulo, alibe mwayi wopeza ndalama. Pali chiwopsezo chachikulu kuti ngakhale kuli kotheka kupeza ndalama zofunikira, mphindiyo itayika, ndipo msika womwe ukuyembekezeredwa ukuwonongedwa ndi omwe akupikisana nawo mwachangu komanso ochita chidwi.

Pa nthawi yomweyo, novice amalonda sayenera manyazi chakuti likulu lawo sikokwanira. Ngakhale makampani akuluakulu opambana adagwiritsa ntchito ndalama zomwe adabwereka pomwe adayamba ntchito yawo.

Makampani achichepere omwe ali ndi chiyembekezo chodzachita bwino Nthawi zambiri amamva kusowa kwa ndalama... Nthawi yomweyo, ali ndi malingaliro ambiri omwe amafunikira kukhazikitsa "Pano ndi tsopano».

Mpaka pano kupeza osunga ndalama kwakhala kosavuta kwambiri: Chifukwa chaichi, a ndalama zambiri komanso makampaniomwe amavomereza kusamutsa ndalama zawo kwa amalonda oyambira.

Koma ziyenera kudziwika kuti si aliyense amene angalandire ndalama kuchokera ku ndalamazo. Choyambirira, wochita bizinesi adzafunika kutsimikizira ogulitsa ndalama kuti agwire ntchito yake. Izi zidzafunika osati kungokhazikitsa dongosolo lamabizinesi, komanso kutsimikizira kuti bizinesi inayake ndiyosangalatsa kuposa yopikisana nawo, komanso ili ndi ziyembekezo zabwino.

Ogulitsa ambiri akatswiri amakhala ndi chidziwitso chambiri chazachuma. Chifukwa chake, amadziwa mosavuta mapulojekiti omwe ndi abwino kuyika ndalama kuti akwaniritse phindu.

Ochita bizinesi ayenera kukumbukira momwe mazikondipo mabizinesi azinsinsi osapereka ndalama ku zachifundo. Kuchokera pazantchito zomwe amapeza, amayembekezera kubwerera kwakukulu komanso mwachangu.

Chifukwa chake, gwero lililonse lazandalama, kaya mabanki, maziko kapena makampani ena osatulutsa ndalama popanda chitsimikiziro chofunikira. Mutha, kumene, kuyesa kupeza thandizo. Komabe, makampani omwe amawatulutsa amakhala okhwima kwambiri posankha ofuna kulembetsa.

Zomwe muyenera kuyang'ana mukamakopa ndalama

2. Momwe mungakope ndalama - zofunikira m 📋

Cholinga cha woika ndalama aliyense ndikuwonjezera ndalama zomwe amapeza. Ambiri aiwo amadziwa kuti ndalama zomwe amapeza kubanki zimangotsimikizira kukwera kwa mitengo. Chifukwa chake, zoterezi ndalama mwamtheradi osakhutitsidwa.

Otsatsa amayesetsa kupeza ndalama zomwe sizingangokwera kukwera kwamitengo, komanso zionetsetsa kuti moyo wabwino.

Zonsezi zikufotokozera chifukwa chake omwe ali ndi ndalama zambiri akuyang'ana makampaniwa kuti adzagwiritse ntchito, zomwe zitha kuwapatsa ndalama zokwanira.

Ochita bizinesi ovomerezeka, akuyamba kufunafuna wochita ndalama, ayenera kumuzindikira osati ngati wobwereketsangati mnzanu. Zikuoneka kuti wochita bizinesi amalowetsamo malingaliro ake pantchito, ndipo wogulitsa ndalama amadzipangira yekha ndalama. Chifukwa chake, mgwirizano wotere uyenera kukhala wopindulitsa onse awiri.

Akatswiri ambiri amavomereza kuti fufuzani osunga ndalama - ntchitoyi siyovuta kwenikweni. Chinthu chachikulu apa ndicholondola perekani malingaliro anu... Muyeneranso kutsimikizira mwininyumba ndalamazo kuti kuyika polojekitiyo ndikulonjeza ndipo kubweretsa ndalama zambiri.

Kuuza wamalonda za polojekitiyi, mitu yotsatirayi iyenera kufotokozedwa momwe angathere:

• wapadera ndi kufunikira kwa malonda / ntchito yoperekedwa kuti ipangidwe;
• kuchuluka kwa ndalama zofunika;
• ikukonzekera nthawi yanji kubweza ndalamazo;
• mulingo woyembekezeredwa wa phindu;
• chitsimikizo chanji chobwezera ndalama?

Ngati wochita bizinesi afotokoza molondola za izi, mwayi wotsimikizira wogulitsa kuti ntchitoyo ingabweretse phindu labwino idzawonjezeka kwambiri. Zotsatira zake, wamalonda adzaganiza zakugawana ndalama kwa iye.

3. Momwe mungapezere wogulitsa ndalama kuyambira pachiyambi - kalozera mwatsatanetsatane kuti mupeze wogulitsa bizinesi 📝

Pofunafuna wogulitsa ndalama, ndikofunikira kuchita mosasinthasintha malinga ndi malingaliro omwe akatswiri amapanga. Mwa njira iyi mudzatha kuchita bwino mwachangu pakupeza ndalama.

Pakupeza magwero azachuma, ndikofunikira kulingalira zofuna za mwini ndalamazo. Ndikofunika kumvetsetsa kuti osunga ndalama amatsogoleredwa ndi malonda awo pakupanga ndalama.

Ofuna kukhala ndalama osachita chidwimomwe ntchitoyi idzakhalire yatsopano, komanso ngati ingabweretse phindu kwa eni bizinesiyo. Ali ndi nkhawa zakuchulukirachulukira, komanso chitetezo chamalikulu awo.

Otsatsa ena osati zofunika malingaliro abizinesi, popeza akuyang'ana ndalama zopanda pake, atopa ndi chitukuko chogwira ntchito. Adakwanitsa kupeza ndalama zoyambirira pogwira ntchito molimbika. Tsopano chokhumba chokha cha oterewa ndikuti ndalamazo zizipindulitsa popanda kuchita chilichonse.

Nthawi yomweyo, akuyang'ana njira zomwe zingabweretse ndalama zambiri kuposa zikhalidwe zachikhalidwe - madipoziti m'mabanki, ndalama zothandizana komanso zida zofananira zachuma.

Malangizo ndi tsatane-tsatane pamomwe mungayang'anire wogulitsa kuti azitsegula bizinesi

Chifukwa chake, pofunafuna wochita ndalama, ndikofunikira kumutsimikizira kuti atha kupeza ndalama zotere. Ndikofunikira kwambiri kutsatira malangizo tsatane-tsatane, omwe tidzawafotokoze pansipa. Izi zithandizira kukulitsa mwayi wofufuza mwachangu komanso mwapamwamba ndalama zofunikira.

Khwerero # 1. Kupanga dongosolo lamabizinesi

Choyambirira, posankha chinthu choti agwiritse ntchito, amalonda amasamala dongosolo la bizinesi. Iyenera kupangidwa molondola, apo ayi mwayi wolandila ndalama utha kuzimiririka.

Mosalephera, mapulani oyenera a bizinesi ayenera kukhala ndi izi:

• kufotokozera ntchito;
• mawerengedwe a kuchuluka kwa ndalama;
• kusanthula maubwino azamalonda omwe wamalonda adzalandira;
• nthawi yobwezera ntchitoyo, ndiye kuti, ndalama zoyambilira zidzalandiridwa pambuyo panthawi iti;
• ndi ziyembekezo zotani zopititsa patsogolo bungwe.

Akatswiri amalimbikitsa kuti muziyang'ana pazinthu zazing'ono mukamapanga bizinesi.

Chikhulupiliro chiyenera kuyambitsidwa ndi chilichonse - kuyambira pamakalata omwe chikalatacho chidasindikizidwa komanso chikwatu chomwe chidakhazikikapo, kugwiritsa ntchito akatswiri ojambula pojambula mapulani oyenera.

Tinalemba mwatsatanetsatane momwe tingapangire dongosolo lazamalonda polemba limodzi.

Khwerero # 2. Kusankha mgwirizano woyenera

Mgwirizano pakati pa eni bizinesi ndi wochita masheya atha kutenga mitundu yambiri. Ndikofunikira kusanthula pasadakhale yomwe ingakhale yothandiza kwambiri pakampani yomwe ikufuna ndalama.

Otsatsa amavomereza kuti apereke ndalama polandila ndalama m'njira izi:

1. monga kuchuluka kwa ndalama zomwe mwapeza;
2. monga phindu la phindu panthawi yonse ya ntchito;
3. monga gawo mu bizinesi.

Mwini wabizinesiyo, atasankha njira yovomerezeka kwa iye, ayenera kuwonetsa mu bizinesi. Komabe, nthawi zambiri kumakhala kovuta kwa wochita bizinesi woyamba kupeza ndalama zofunika.

Chifukwa chake, ngati wochita masheya sakugwirizana ndi mtundu womwe wasankhidwa, akufuna kugwiritsa ntchito njira ina yothandizirana, iyenera kuwunikidwa. Nthawi zambiri ndi bwino kuvomereza malingaliro a wochita bizinesikuposa kukhala wopanda ndalama.

Khwerero # 3. Pezani thandizo kwa amalonda odziwa zambiri

Ofuna kuchita bizinesi akhoza kukhala otsimikiza: palibe amene angawamvetse bwino kuposa amalonda odziwa bwino ntchito omwe akhala akugwira bwino ntchito m'munda womwewo kwanthawi yayitali. Ambiri aiwo amalangiza oyamba kumene za momwe angachitire. Izi ndizowona makamaka pamilandu yomwe mtsogolo mgwirizano wothandizirana ungakhalepo pakati pawo.

Amalonda odziwa zambiri amasamalira alendo obwera kumene: atha kuyika ndalama m'malingaliro awo kapena angalimbikitse pulojekitiyi kuti ipezeke kwa ena onse. Ngakhale izi sizingachitike, ndizotheka kuti akatswiri akupereka upangiri ndi malingaliro omwe angathandize mtsogolo.

Khwerero # 4. Kukambirana

Nthawi zambiri lingaliro labwino la osunga ndalama kuti agwire ntchito imatsimikiziridwa ndi kukambirana koyenera... Ngakhale iwo omwe amapeza chilankhulo ndi anthu ayenera kukonzekera msonkhano.

Zidzakhala zofunikira osati kungokopa omwe angadzakhale ndi mwayi wogwira ntchitoyi, komanso kuyankha mafunso onse omwe ali nawo. Chifukwa chake, ndikofunikira kulingalira pasadakhale pazomwe bizinesi ingafunsidwe ndikukonzekera mayankho oyenera.

Kuchokera pamsonkhano woyamba, azimayi nthawi zambiri amayembekeza kuti adzawonetsa bwino ntchitoyi, komanso dongosolo la bizinesi.

Zikhala zofunikira kwa wochita bizinesi kuyitanitsa katswiri yemwe adatenga nawo gawo pakukonzekera ntchitoyi pazokambirana. Ndizotheka kuti afotokozere bwino bwino maumboni onse a ntchitoyi, komanso ayankhe mafunso omwe abuka.

Khwerero # 5. Kutsiliza mgwirizano

Gawo lomaliza lazokambirana, ngati mgwirizano utakwaniritsidwa, ndikusainirana kwamgwirizano wamgwirizano kapena ndalama. Ndikofunikira kuti muphunzire mosamalitsa zofunikira zonse zamgwirizanowu; zikhala zofunikira kuphatikizira loya waluso panthawiyi.

Ndikofunikira kulabadira kuti mgwirizanowu uli ndi:

• nthawi ya mgwirizano;
• kuchuluka kwa ndalama;
• ufulu, komanso maudindo omwe amapatsidwa zipani.

Malinga ndi mgwirizano womwe wamaliza, ndalamazo zimasamutsidwa kwa wochita bizinesi pazinthu zina. Chofunikira chawo ndikuti ndalama akuyenera kukhala ndi ndalama kuti akwaniritse ntchitoyi.

Ndikofunikira kwa wogulitsa kuti mgwirizano womwe wasainidwa usaphatikizepo kuthekera kogwiritsa ntchito ndalama kunja kwa cholinga, ngakhale gawo limodzi la ndalama zomwe adayikapo sayenera pitani ku zosowa zosakhudzana ndi kukhazikitsidwa kwa ntchitoyi.

Kutsiliza kwa mgwirizano wamalonda - zitsanzo

Chitsanzo cha mgwirizano wamalonda chitha kutsitsidwa kulumikizana pansipa:

Mgwirizano wamabizinesi akampani (monga chitsanzo)

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Chifukwa chake, ndikofunikira kutsatira njira zina pokopa ndalama za osunga ndalama. Wabizinesi ayenera kutsogozedwa ndi tsatane-tsatane malangizo tafotokozazi. Kenako kusonkhanitsa ndalama kumakhala kothandiza kwambiri.

Njira zoyambira momwe mungapezere ndalama

4. Komwe mungapeze wogulitsa ndalama - Zosankha zisanu ndi chimodzi zokopa ndalama 🔎💸

Tinalemba kale zakufunika kopanga dongosolo loyenera lazamalonda pa gawo loyamba la kufunafuna wochita malonda. Komabe, siamabizinesi onse omwe amadziwa komwe angayang'anire munthu yemwe angavomere kuti apereke ndalama zothandizira kuti ntchitoyi ichitike.

Komabe, pali njira zingapo, ndipo aliyense wa iwo akuyenera kuyang'anitsitsa kuchokera kwa wochita bizinesi.

Yankho 1. Tsekani anthu

Kupeza ndalama zogulira bizinesi - sizovuta... Chifukwa chake, ndikofunikira kuphatikiza abale ndi abwenzi ambiri momwe tingathere. Njirayi ndi yabwino kwa iwo omwe akuyamba kumene bizinesi yawo ndipo alibe chidziwitso kapena kutchuka. Kuphatikiza apo, ngongole zochokera kwa abale ndi abwenzi sizowopsa kwenikweni.

Ngati ntchitoyi siyifuna ndalama zoyambirira, ndizotheka kupereka ndalama kutseka anthu kwa kachigawo kakang'ono kamene kadzaperekedwa bizinesi ikakhala yopindulitsa.

Yankho 2. Amalonda

M'mizinda yonse (makamaka yayikulu mokwanira) muli anthu ambiri amalonda omwe adapeza kale ndalama. Tsopano akufuna kulandira ndalama zongokhala pochita bizinesi yopindulitsa.

Ndizomveka kutembenukira kwa amalonda otere kuti alandire ndalama zachitukuko cha bizinesi yawo.

Nthawi zambiri, amalonda amatulutsa ndalama kutengera imodzi mwama 2 (awiri):

• mawonekedwe a ngongole yokhala ndi chiwongola dzanja;
• monga gawo mu bizinesi yatsopano.

Nthawi yomweyo, ziyenera kumveka kuti njira yachiwiri imabweretsa kuletsa kwakukulu pakupanga zisankho ndi wochita bizinesi woyamba. Chifukwa chake, ndi bwino kuganizira kambirimbiri musanasankhe njirayi.

Njira 3. Ndalama

Njira ina yopezera ndalama kubizinesi ndi kudzera mu ndalama zapadera - ndalama ndipo kulimbikitsa mabizinesi ang'onoang'ono... Komabe, kupeza ndalama kumakampani otere kumakhala kovuta.

Tiyenera kutsimikizira kuti ntchito yatsopanoyi ndiyotheka. Tiyeneranso kukumbukira kuti woyamba pantchito zamalonda ayenera kukhala ndi ndalama zake, zomwe akufuna kuyikapo pulojekitiyi pamodzi ndi omwe adakopeka. Chifukwa chake, ndalama ndizoyenera kwa iwo omwe ali kale ndi bizinesi yoyendetsa.

Kotero kuti chisankho chopeza ndalama chinali zabwino, muyenera kuwunika zomwe zikuchitika pakampaniyi, ndikupanga dongosolo lachitukuko chake.

Omwe akufunafuna investor ayeneranso kuphunzira zochitika zandalama zaboma. Nthawi zambiri amapereka ndalama kumabizinesi odalirika kwambiri pakupanga mpikisano pazifukwa izi.

Njira 4. Kugulitsa ndalama

Njirayi ndi yofala kwambiri m'maiko ena otukuka. Ngati mukufuna kukopa ndalama kubizinesi mothandizidwa ndi ndalama zopezera ndalama, ziyenera kukumbukiridwa kuti ndalamazi zimangopangira ntchito zowopsa zomwe zili ndi chiyembekezo chachikulu.

Nthawi yomweyo, ntchito zamalonda nthawi zambiri zimalipidwa luso dera, Sayansi, ndi Zipangizo zamakono za IT.

Kawirikawiri, komabe ndalama zogulira ndalama zimagulitsa malonda, komanso mu ntchito yothandizira.

Tidalemba m'nkhani yapadera yokhudza ndalama zogwirira ntchito, makamaka ndalama zomwe zimapezeka pakampani komanso zomwe amachita.

Pogulitsa bizinesi, ndalama zogulira ndalama zimafuna kulandira ndalama pafupipafupi. Kuti akwaniritse izi, amapanga gawo limodzi la bizinesi. Kuphatikiza apo, ali ndi gawo la kampaniyo kwa zaka zochepa, kenako amaligulitsa kwa ena.

Yankho 5. Makina oyendetsa bizinesi

Chofungatira bizinesi ndi pulatifomu yapadera yopangira kukhazikitsa ntchito zosiyanasiyana.Kuti mulandire ndalama zogwiritsira ntchito kudzera pachofungatira, ndikofunikira kupanga dongosolo loyenera la bizinesi.

Kuphatikiza apo, muyenera kupambana mpikisano kapena kupambana bwino kuyankhulana kwapadera.

Njira 6. Mabanki

Ngati simungapeze wogulitsa ndalama, mutha kuyesa kupeza ngongole kubanki kuti muyambitse bizinesi. Komabe, kupeza zambiri zokwanira nthawi zambiri kumakhala kovuta. Chifukwa chake, njira yofufuzira wogulitsa ndalama ndiyabwino mukafuna ndalama zochepa.

Mabungwe angongole amapereka okwanira kubwereka zofunika kwambiri... Kuti mulandire ndalama, mungafunike kupereka malo ngati chikole, ma guarantors, sonkhanitsani mndandanda waukulu wazolemba zosiyanasiyana.

Ngati wofunsira ngongole alephera kukwaniritsa chinthu chimodzi chofunikira pakampani ya ngongole, sangapeze ngongole.

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Mwa njira iyi, fufuzani wogulitsa mabizinesi - iyi si bizinesi yovuta komanso yayitali. Chifukwa chake, wochita bizinesi adzafunika kuleza mtima kwambiri. Ndikofunikira kuwunika zonse zomwe mungachite, kuwunika zoopsa zomwe zikubwera. Kenako mutha kukhala otsimikiza kuti kusaka kwanu kudzakonzedwa bwino.

Pali nkhani patsamba lathu momwe tidayankhulira komwe mungapeze ngongole kwa omwe amagulitsa ndalama komanso momwe mungapangire IOU - timalimbikitsa kuti muwerenge.

Malamulo oyambira pakupeza ndalama ndi zomwe amagulitsa

Malamulo 5.5 ofunikira pakupeza ndalama 📌

Tsiku lililonse pali mitundu yambiri yamabizinesi osiyanasiyana omwe amafunikira ndalama. Mwiniwake wamalingaliro samakhala ndi ndalama zofunikira nthawi zonse. Komabe, malingaliro ambiri amafuna chiyambi mofulumira ndi chitukuko... Pankhaniyi, chachikulu chiwerengero cha amalonda chikuyang'ana wogulitsa ndalama kuti agwire ntchitoyi.

Nthawi zambiri izi zimachedwa, ndipo nthawi zambiri kwathunthu imathera kulephera... Kuti muwonjezere mwayi wopambana, ndikofunikira kutsatira malamulo asanu (5) oyambira. Amalola amalonda kukhala olimba mtima kupeza osungitsa ndalama, komanso yang'anani bwino ntchito yosankha.

Malamulo # 1. Kusaka kuyenera kuyamba mwachangu kwambiri

Wabizinesi aliyense ayenera kumvetsetsa izi kufunafuna wamalonda ndi njira yayitali... Nthawi zambiri zimadutsa pomwe amayamba kulandira ndalama.

Ichi ndichifukwa chake yambani yang'anani wogulitsa ndalama mwachangu... Mwachidziwikire, izi ziyenera kuchitika kale pamene ntchito zamtsogolo zikukonzekera, ndipo zawonekeranso momwe zingawonetsere phindu la ntchitoyi kwa omwe angadzakhale ndalama.

Ndikofunika kumvetsetsakuti chiopsezo cha wochita masheya ndichokwera kuposa cha eni ntchito. Ndi amene amaika ndalama mu bizinesi omwe amaika pangozi likulu lake, kutaya nthawi ndi mbiri.

Chifukwa chake, ali ndi ufulu woimitsa ndalama kapena ngakhale zokambirana ngati awona kuti chiwopsezo ndichokwanira kwa iye.

Kuphatikiza apo, amalonda nthawi zambiri amayang'anitsitsa kampani yomwe akufuna kuti agwiritse ntchito ndalama. Amasanthula mbiri ya kampaniyo, kupambana kwake ndi zolephera zake, chiyembekezo chachitukuko china. Zonsezi zimapangitsa kuti ndikwabwino kuyamba kufunafuna wamalonda koyambirira.

Ndalama zomwe mumakhala nazo mu bizinesi nthawi zambiri zimatha mwachangu kwambiri. Zotsatira zake, kukwera kwakukulu koyambirira kwa ntchitoyi kumatha kusinthidwa ndikugwa ngakhale ndalama zisanayambike, ndipo izi zitha kusiyanitsa ndalama zambiri.

Malamulo # 2. Ndikofunikira kuti tisonkhanitse zambiri zazomwe angachite ndalama

Pofunafuna wogulitsa ndalama, si yankho labwino kwambiri kugwirira ntchito limodzi ndi munthu woyamba kupereka ndalama zawo. Ndikofunikira kuti tisonkhanitse zambiri zamomwe angakonzekere ndalama.

Poterepa, muyenera kudziwa:

• madera omwe amakhala nthawi zambiri;
• kuchuluka kwa ndalama zomwe zayikidwa;
• Zofuna zamalonda pazokhudzana ndi njira ndi mgwirizano.

Deta yonse yosonkhanitsidwa iyenera kufananizidwa ndi zofuna za wochita bizinesi mwiniwake. Muyenera kugwira ntchito ndi Investor wabwino kwambiri. Izi zikutanthauza zabwino kwambiri, osati zazikulu komanso zotchuka kwambiri.

Ndikofunika kumvetsetsakuti kulumikizana kulikonse ndi wogulitsa ndalama kuyenera kukhala kwamgwirizano wopindulitsa.

Nthawi yomweyo, wochita bizinesi komanso wogulitsa yekha ayenera kulingalira kuti ndi gawo lanji lothandizira, komanso zomwe zidzachitike pambuyo pake.

Wogulitsa ndalama wabwino, ngati akudziwa zomwe akufuna, apereka chithandizo chofunikira pakukonzekera ntchitoyo. Woipa adzawononga ngakhale lingaliro labwino.

Kuyerekeza kuchuluka kwa ndalama, ofunika kumvetsetsangati kuli kofunikira mu 50-100 madola zikwi sizomveka kutembenukira kwa munthu yemwe mwamakhalidwe amaika ndalama mamiliyoni ambiri. Zomwezo zitha kunenedwa pankhani yotsutsana: sizomveka kupita kukabzala ndalama kwa wina yemwe alibe.

Zambiri zomwe zatulutsidwa zitha kupangitsa kuti bizinesi ikhale yosavuta kutenga nawo mbali pazokambirana ndi wochita ndalama. Mutha kulingalira zamalingaliro oyipa pasadakhale, komanso mungasankhe mafunso omwe mungafunse wogulitsa ndalama.

Kuphatikiza apo, atapatsidwa chidziwitso chokwanira zitha kuneneratumafunso omwe mwini ndalamayo adzafunsa wabizinesiyo, ndi kusankhamomwe mungayankhire. Zambiri zamalonda am'mbuyomu zitha kukhala zothandiza pakukambirana.

Ngakhale asanakumane ndi wogulitsa ndalama, wochita bizinesi ayenera kusankha momwe adzakhalire pokambirana. Wogulitsa ndalama ayenera kukhulupirira kuti wamalonda safunika ndalama zokha, koma mgwirizano wothandizirana.

Ngati kulumikizana kwabwino kumakhazikitsidwa pakati pa maphwando, mutha kukhala otsimikiza kuti kulumikizana kudzakhala kopindulitsa kwa onse.

Pali zitsanzo zambiri m'mbiri zomwe zili muubwenzi wabwino pakati pa wochita bizinesi ndi wogulitsa ndalama ngakhale ndi zolakwika ndi zolephera zazing'ono, ndalama zamabizinesi zimaperekedwabe. Pomaliza, kupambana kunakwaniritsidwa pazochita.

Malamulo # 3. Kuchuluka kwa ndalama kuyenera kukonzekera bwino

Wabizinesi ayenera kukumbukira kuti kuchuluka kwa ndalama kuyenera kuwonetsedwa makamaka manambala, osati osiyanasiyana. Wogulitsa sangakane kuyika ndalama akafunsidwa ndalama kuchokera 100 mpaka 200 madola zikwi.

Poterepa, mwiniwake wa ndalamayo atha kukhala ndi mafunso ambiri, omwe atsogolera zokambirana mpaka kumapeto.

Wabizinesi ayenera kuuza wobwereketsa kuchuluka kwakezomwe ziyenera kukhala zomveka. Kukula kwa ndalamazo kuyenera kuganizira zochitika zonse pakukonzekera zochitika, chifukwa chake kuthekera kumatha kuchitika.

Malamulo # 4. Ganizirani zolinga

Mukamapanga zolinga zachitukuko pakampani yomwe ikufunika kukweza ndalama, musawongolere kwambiri.

Malingaliro akulu kwambiri, komanso kufunitsitsa kutulutsa nkhani zambiri, nthawi zambiri zimapangitsa opanga ndalama kukayikira ngati pali mwayi wozikwaniritsa bwino.

Chifukwa chake, zolinga zomwe wochita bizinesi ayenera fotokozani momveka bwino momwe mungathere... Ayenera kuchepetsedwa ndi kuthekera kwawo komanso zosowa zawo. Zolinga za wochita bizinesi ziyenera kufotokozedweratu asanapeze wochita bizinesi.

Ngakhale panthaŵi yomwe akukonzekera kuti ntchitoyi ifike padziko lonse mtsogolo, sizoyenera kufotokozera lingaliro ili nthawi yomweyo. Kumasulira koteroko nthawi zambiri kumazimitsa oyambitsa.

Iwo omwe ali ndi chidziwitso pakupanga ndalama, komanso kukhazikitsa ntchito zamalonda, amavomereza ndi lingaliro lakuti mphamvu zothandizirana padziko lonse lapansi zabalalika, koma magwiridwe antchito sakwaniritsidwa.

Chifukwa chake, wogulitsa amayenera kuyang'aniridwa pansi kuthetsa mavuto ena ndipo nkhani zamabizinesi.

Malamulo # 5. Muyenera kukhala oona mtima komanso otseguka momwe mungathere

Pakukambirana, kenako pakupanga malipoti, wabizinesi sayenera kunama ndipo osadziletsa.

Pochita bizinesi, sizachilendo kuchoka pa pulani yoyambayo, koma izi ndizowona sizingabisike kwa wogulitsa ndalama... Ali ndi ufulu wodziwa zomwe zachitika.

Nthawi yomweyo, ndikofunikira kufotokozera wogulitsa ndalama pazifukwa zomwe zakhala zikusiyana ndi dongosololi, zomwe zingayambitse izi, komanso momwe akukonzekera kupitilirabe.

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Kutsata malamulo onse pamwambapa kumawonjezera mwayi wopezera ndalama wabwino. Momwemonso, ichi ndiye chinsinsi choyambitsa bwino ntchito iliyonse.

6. Kupereka chithandizo kwa akatswiri pakupeza ndalama 📎

Iwo omwe sangapeze wopeza ndalama kubizinesi yawo pawokha atha kupita kwa othandizira othandiza.

Pali nsanja zapadera pa intaneti zomwe zimathandiza osati iwo okha omwe akufuna kuyika ndalama, komanso omwe akufuna ndalama kuti apange zochitika zawo.

Masamba odziwika bwino olankhula Chirasha ndi 2 (awiri):

1) KUM'mawa

Kudziwika kwazinthuzi ndikufufuza njira zopezera ndalama m'mabizinesi omwe alipo komanso osakanikirana. Kuti mugwiritse ntchito, ndikwanira kulembetsa, ndiyeno kambiranani ndi iwo omwe amapereka ndalama. Gwero limakupatsani kupulumutsa osati nthawi, komanso mphamvu.

Akatswiri amakampani amasanthula bizinesi, pambuyo pake mphamvu zake zimatsimikizika. Izi zachitika mfulu kwathunthu ndipo imathandiza kukopa amalonda. Zomwe akhala akugulitsa kwazaka zopitilira khumi.

Polembetsa pamalopo, wochita bizinesi amalumikizana ndi azungu angapo nthawi imodzi. Izi zimawonjezera mwayi wolandila ndalama. Mtengo wa ntchito yosaka ndalama umasankhidwa payokha kwa aliyense wogwiritsa ntchito. Nthawi yomweyo, palibe chomwe chimafunika kulipira mpaka ndalamazo zitalandiridwa.

Ndikosavuta kugwiritsa ntchito zatsamba lino. Ndikokwanira kudutsa njira zingapo:

• tumizani ntchito yanu;
• pezani kufunsa kwaulere kwa wogwira ntchito pakampani;
• saina mgwirizano ndi kampaniyo kuti ipereke chithandizo pakati pa anzawo;
• chuma chokha chimakambirana ndi wogulitsa ndalama;
• Wabizinesi amachita mgwirizano wopindulitsa ndi wogulitsa ndalama.

2) Yambani2Up

Chida ichi ndi mtundu wa bolodi lazolengeza momwe malingaliro azogulitsa, amalonda, oyambitsakufunafuna abwenzi.

Chifukwa cha tsambali, iwo omwe ali ndi ndalama amatha kupeza komwe angagwiritse ntchito. Nthawi yomweyo, amalonda oyambira ali ndi mwayi wopanga mgwirizano ndi osunga ndalama omwe ali okonzeka kuthandizira ntchito yawo.

Zotsatsa zonse zomwe zaikidwa patsamba lino zimagawika m'magulu kutengera dera, komanso gawo lazomwe zikuchitika.

Makampani odziwika kwambiri apa ndi awa:

• Intaneti;
• Zipangizo zamakono za IT;
• maphunziro;
• luso komanso chikhalidwe;
• sayansi;
• malowo.

Palinso madera ena odalirika a ntchito.

Tsambali limagwiritsidwa ntchito ndi mazana amabizinesi ndi osunga ndalama. Awa sianthu ochokera ku Russia kokha, komanso ochokera ku Belarus, komanso ochokera kumayiko angapo aku Europe. Chifukwa chake, mwayi wa omwe adalembetsa patsamba lino kuti apeze wogulitsa ndalama akuwonjezeka kwambiri.

Tsambali lili ndi zotsatsa mazana angapo gulani poyambira, sungani ndalama m'malo osiyanasiyana amabizinesi, ndi kukonza zopangidwa kale.

Kuphatikiza apo, mothandizidwa ndi ntchitoyi, mutha kugula kapena kugulitsa malo amakampani omwe ali okonzeka kale. Mutha kutsata nkhani zakusanja pogwiritsa ntchito gulu la Facebook.

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Chifukwa chake, iwo omwe zimawavuta kupeza wogulitsa ndalama pulojekiti yawo atha kupita kuzinthu zapaintaneti kuti awathandize.

Komanso, musaiwale za kuchuluka kwa ndalama papulatifomu. Tithokoze chifukwa chobzala anthu ambiri (mtundu wa kubweza ndalama), mutha kupezanso ndalama kuchokera kwa omwe ali ndi chidwi nawo pamasamba kuti agawane nawo poyambira.

7. Mayankho a mafunso omwe amafunsidwa kawirikawiri 📑

Nkhani yopeza ndalama ndizovuta. Chifukwa chake, amalonda ali ndi mafunso ochuluka pankhaniyi. Chosindikizacho sichingakhale chathunthu ngati sitiyankha omwe amabwera pafupipafupi.

Funso 1. Kodi ndingapeze kuti ndalama kubizinesi yanga?

Kupeza ndalama zokulitsira bizinesi kumatha kudabwitsa aliyense amene akufuna kuchita nawo bizinesi. Izi ndizowona makamaka pakupanga ndikupititsa patsogolo koyambira. Pangani bizinesi iliyonse osakweza ndalama pafupifupi zosatheka... Tidalemba m'nkhani yapadera za momwe kuyambira kuyenera, magawo omwe akuyenera kudutsamo, momwe angapangire ndalama, ndi zina zambiri.

Wolemba bizinesi aliyense wachinyamata amasankha zomwe angasankhe kuti apeze wogulitsa ndalama. Chifukwa chake, ndikofunikira kwambiri kuwunikanso njira zopezera ndalama.

Njira 1. Sungani

Njirayi ndi yosavuta. Atakhala ndi ndalama zambiri, wochita bizinesi sangadalire anthu ena pazachuma, azitha kuyendetsa bizinesi yake pawokha, osapereka lipoti kwa aliyense komanso osapereka gawo la phindu kwa aliyense.

Nthawi yomweyo, kuti musunge ndalama, mumangofunikira chikhumbo chachikulukomanso zachuma kudziletsa... Ndikokwanira kukonza ndalama zanu kuti muyambe kupeza ndalama. Mwachangu choyenera, kale cha Miyezi 6-12 mutha kutolera ndalama zochulukirapo.

Njirayi ndi yoyenera kwa iwo omwe amadziwa kusunga. Ngati mutha kusiya ntchito kuti mugule kapena mutchuthi, njira yokhazikitsira ndalama iyi ingakuthandizireni. Kuphatikiza apo, njirayi imathandizira kuphunzira malingaliro abwino pazandalama, zomwe zithandizike mtsogolo mukamachita bizinesi.

Njira 2. Pezani ngongole

Ochita bizinesi omwe amadziwa bwino malamulo amachitidwe azachuma atha tengani ngongole kubanki pakukula kwa zochitika.

Kuopsa kwa njirayi ndikuti kumayambiliro abizinesi, makampani nthawi zambiri amakhala atatsala pang'ono kutayika. Chifukwa chake, ndizotheka kwambiri kuti sipadzakhala chilichonse cholipira ngongoleyo.

Njirayi ndiyabwino kwa iwo okha omwe ali otsimikiza kuti bizinesiyo ipindulabe ngakhale ngongole za ngongole zisanayambe. Tiyenera kumvetsetsa kuti mabungwe obwereketsa samakonda kuyambitsa ndalama poyambira. Nthawi zambiri amapereka ngongole kuti apange bizinesi yomwe idalipo. Komabe, chisankho nthawi zonse chimapangidwa payekha.

Wabizinesi ayenera kuzindikira kuti nthawi zambiri chidwi chimakhala osachepera 15%... Kuphatikiza apo, ndikofunikira kulumikizana ndi mabanki odziwika.

Pofuna kuchepetsa ntchito yamabizinesi, tebulo lili pamndandanda wamabanki abwino kwambiri amabizinesi ang'onoang'ono komanso apakatikati.

Banki	Dzina la ngongole	Kuchuluka kwa chiwongola dzanja
Sberbank	Kulimbikitsa mabizinesi ang'onoang'ono komanso apakatikati	Kutengera kuti ndi omwe amapindula nawo, amayamba kuchokera ku 11
Alfa Bank	Mnzanu	Kuchokera 14%
Raiffeisen Bank	Onetsani Zowonjezera	Kuchokera 16%
VTB	Maganizo abizinesi	Kuchokera 16%
UBRIR	Mwayi wabizinesi	Kuchokera ku 16.5%

Njira 3. Zothandizidwa ndi boma

Boma likuyesera kuthandizira mwachangu mabizinesi ang'onoang'ono. Wogulitsa mabizinesi aliyense atha kutenga nawo mbali pamipikisano yothandizira.

Ngati mukufuna, mutha kulumikizana ndi Employment Center kuti mupeze ndalama zodzilembera. Kuchuluka kwa pulogalamuyi kumasiyanasiyana malinga ndi dera, koma pafupifupi 90-100 zikwi za ruble.

Kuphatikiza apo, otchedwa incubators adalengedwa mdziko muno (nthawi zambiri pamaziko a maphunziro apamwamba kwambiri omwe amaphunzitsa za "economics").

Nyumba zoterezi zimathandizidwa ndi bajeti. Cholinga cha mabungwewa ndikupanga zinthu zabwino pakukula kwamabizinesi.

Njira 4. Tsekani anthu

Izi zitha kuonedwa ngati vuto lalikulu, chifukwa zingakhale zovuta kuchita bizinesi ndi abale ndi abwenzi. Palibe amene amakonda kupereka ndalama zawo monga choncho, kotero ngakhale anthu apamtima ayenera kukhala ndi chidwi. Mutha kuwapatsa gawo mu bizinesi.

Palinso zabwino za njirayi yopezera ndalama. Choyamba, ndikosavuta kuvomerezana pazobwezeredwa ndalama ndi okondedwa. Kachiwiri, kulandila ndalama ndikofulumira kwambiri, chifukwa simuyenera kutolera zikalata zambiri, komanso kudikirira chisankho cha ena.

Njira 5. Otsatsa payekha

Nthawi zina, palibe njira zina kupatula kubwereka ndalama kwa omwe amagulitsa ndalama zawo. Ndizotheka kulandira ndalama kuchokera kwa omwe amagulitsa ndalama mwachangu mwachangu komanso popanda mavuto osafunikira.

Mizinda ikuluikulu yambiri ili ndi intaneti yomwe imalemba zotsatsa. Nthawi yomweyo, kuti mupeze ngongole, ndizokwanira onetsetsani kuti ndinu ndani ndipo lembani risiti... Otsatsa ena achinsinsi amafunika kuvomerezedwa notarization ya chikalatachi.

Funso 2. Kodi mungayambire pati kufunafuna wogulitsa mabizinesi ang'onoang'ono?

Pali njira zingapo zazikulu zomwe zingathandize wogulitsa ndalama kuyendetsa njira yofufuzira zaomwe amagulitsa.

Gawo 1. Kupanga dongosolo

Wabizinesi ayenera kupanga mapulani abwinobwino azomwe adzagwiritse ntchito ngati chiwonetsero kwa anthu omwe akuyesa bizinesi. Ndi dongosolo lomwe lingathandize kutsimikizira wogulitsa kuti ntchito ya wabizinesiyo imatha kupeza phindu lalikulu.

Zofunikakotero kuti dongosolo la bizinesi silimangotanthauza kufotokozera kampani yokha, komanso kafukufuku wamalo pamsika, komanso chiyembekezo chachitukuko.

Ndikofunikanso kuwerengera ndalama zomwe zikufunika komanso nthawi yomwe ntchitoyi iyamba kupanga phindu.

Gawo 2. Sankhani njira yopezera ndalama

Pali njira zingapo zomwe mungachite pokweza ndalama. Otsatsa akhoza kugula zida zatsopano, popereka ngongole pamlingo winawake. Ena amapereka ndalama mwa kufuna kwawo pobwezera gawo pakampaniyo.

Mulimonsemo, wochita bizinesi ayenera kusankha pasadakhale njira zomwe zili zomuyenera. Zikhala zofunikira kuwonetsa izi mu pulani ya bizinesiyo.

Gawo 3. Thandizo kuchokera kwa akatswiri

Ochita bizinesi odziwa zambiri atha kupereka upangiri wofunika panjira yopeza ndalama komanso kuyendetsa bizinesi.

Gawo 4. Kufufuza zinthu zapaintaneti

Pali mawebusayiti pa intaneti omwe amalola angelo amabizinesi kuti apereke mapulojekiti. Atatumiza zidziwitso zawo pazinthu zotere, amalonda nthawi zambiri amawona kuwonjezeka kwa malingaliro ochokera kwa osunga ndalama.

Funso 3. Ndikuyang'ana wogulitsa ndalama kuti ayambitse bizinesi kuyambira koyambirira / mu bizinesi yomwe idalipo kale. Ndi malo ati kapena masamba ati omwe muyenera kuyang'ana?

Zida zapaintaneti zotchuka (masamba, mabwalo, malo) opezera ndalama

Kukula kwa matekinoloje apaintaneti kwapangitsa kuti zikhale zosavuta kwambiri njira zopezera ndalama. Pali zinthu zambiri zapaintaneti zomwe zimathandizira pantchito yovutayi.

Nawa otchuka kwambiri:

1. Anayamba.ru - malo otchuka opezera ndalama. Pali mwayi wotumiza zambiri zokhudza bizinesi yanu. Ngati ivomerezedwa, mwayi wokopa azachuma udzawonjezeka kwambiri.
2. Makulidwe.ru - chida chomwe chimakupatsani mwayi wopeza ndalama zazikulu zokwanira.
3. Khalidala.ru - ndi bolodi lamakalata lomwe amalonda amatumiza zidziwitso zawo.
4. @Alirezatalischioriginal - apa mutha kutumiza zambiri zokhudza bizinesi yanu. Zotsatsa pa tsambali zimawonedwa tsiku ndi tsiku ndi anthu ambiri osunga ndalama.
5. Zoyambitsa.ru - polojekiti yokhala ndi malingaliro angapo ochokera kwa osunga ndalama. Ngati lero palibe njira yabwino pano, ndizotheka kutumiza zambiri za polojekitiyi kuti iwonedwe ndi omwe angadzakhale ndalama zawo.

Funso 4. Kumene mungayang'anire wogulitsa kuti ayambitse kapena momwe mungapezere wogulitsa kuti agwiritse ntchito lingaliro?

Wochita bizinesi akuyenera kukumbukira kuti malo abwino kwambiri oti apezeko ndalama ndipamene ambiri amasonkhanitsidwa. Zitha kutero zisudzo zosiyanasiyana, ndi zochita zowonetsera... Monga gawo la zochitika ngati izi, matebulo ozungulira a eni ndalama nthawi zambiri amapangidwa komwe mungadziwane ndi omwe adzagwiritse ntchito mtsogolo. Njirayi ndi yophweka, koma mphamvu zake ndizokayikitsa. Zochitika zoterezi zimachitika kawirikawiri kwambiri; zimachitikanso pano kukumana ndi munthu woyenera sizophweka.

Njira ina yosavuta - kuyendetsa bizinesi yatsopano posintha ndalama kuchokera kuzakale, zomwe zidapangidwa kale. Mwachilengedwe, njirayi siyolandilidwa kwa omwe akufuna kuchita bizinesi.

Ogulitsa ndalama zapadera amapezeka pazinthu zosiyanasiyana za intaneti. Mutha kupeza nambala yayikulu ya Malingaliro azogulitsa mabizinesi. Koma musaiwaleM'madera omwe muli chuma chambiri mwadzaza anthu ambiri ochita zachinyengo. Nthawi zambiri, amalonda amaperekedwa kuti ayambe kuyika ndalama mosanyinyirika kuti apereke ndalama zina.

Njira yabwino yokopa ndalama imalingaliridwa thandizo la broker... Kwa ma komisheni ang'onoang'ono, wochita bizinesi amasunthira nkhawa zakupeza ndalama pamapewa a wina. Poterepa, muyenera kulipira pokhapokha mukamapereka ndalama.

Thandizo la angelo amalonda nthawi zambiri limaonedwa ngati lothandiza.... Komabe, lero ndi ochepa kwambiri kuti angalembetse anthu ambiri. Kuphatikiza apo, nthawi zambiri amafuna gawo lalikulu mu bizinesi yomwe amapanga.

Zoyambitsa osaganizira zokhala ndi ndalama muzinthu. Amapangidwa kuti azipatsa bizinesi zinthu zabwino kwambiri pakukula.

Funso 5. Kodi mungafufuze bwanji ndalama zakunja? Kodi mungapeze kuti ndalama zakunja zomwe zingapereke ndalama?

Pakadali pano, pali njira zingapo zopezera ndalama zakunja omwe ali ndi chidwi ndi bizinesi yanu:

1. Kugwiritsa ntchito njira zoyimira pakati pamagulu aboma kapena abizinesi posaka malingaliro azachuma;
2. Polemba zambiri za polojekitiyi (kuyambitsa, malingaliro) pamasamba apadera (maziko a ntchito zachuma);
3. Pogwira nawo ziwonetsero zosiyanasiyana zapadera.

Mabungwe osiyanasiyana akugwira bwino ntchito pamsika wogulitsa ndalama, womwe umapereka ntchito zothandiza kupeza ndalama zakunja. Ndikofunikira kwa omwe angakhale mabizinesi akunja kuti awone chiyembekezo cha bizinesi yanu.

Ngati mwawerenga zolembazo mpaka kumapeto, onetsetsani kuti mwalandira zambiri zokwanira kuti mukope wogulitsa. Ndikofunikira kukumbukira kuti izi sizovuta ndipo zimafunikira kukonzekera kwapamwamba.

Wabizinesi ayenera kukumbukira kuti ngakhale atapeza ndalama zokwanira, palibe chitsimikizokuti ntchitoyi ipambana.

Kusaka kwa wochita bizinesi ndi gawo loyambirira chabe, gawo laling'ono lanjira yayitali komanso yovuta.

Pokhala atalangiza ndalama, wochita bizinesi ayenera kuyesetsa kuti abwezere ndalama zomwe akufuna.

Pomaliza, tikupangira kuwonera kanema za Kugulitsa pamodzi (kubweza anthu ambiri) - zomwe zili ndi momwe zimagwirira ntchito:

Komanso tsamba losangalatsa la "Momwe mungakopere ndalama kubizinesi" kuchokera ku Chamber of Commerce and Industry of the Russian Federation

Magazini ya Gulu la Maganizo a Moyo ikufunilani zabwino zonse ndi kupambana pakukopa wochita bizinesi wabwino, ndipo, kupambana, pakupititsa patsogolo bizinesi. Ngati muli ndi ndemanga kapena mafunso pamutuwu, afunseni mu ndemanga pansipa.

Onerani kanemayo: Zimbabwe: The Soul of Mbira (June 2024).