NAMNA YA KUPATA MTAJI NA JINSI YA KUTUMIA MTAJI KATIKA BIASHARA

MTAJI

Mtaji ni kitu chochote ambacho unaweza kutumia katika kuzalisha kitu kingine kwa lengo la kupata faida.Biashara oyote iwayo lazima ianze na mtaji. Kuna aina tano za mitaji kama ifuatavyo:-

1. Mtaji wa fedha( financial capital)

2. binadamu mwenyewe( human capital) vitu kama ujuzi, elimu na kufanya kazi kwa bidii.

3. Jamii ( social network capital) ushirikiano na watu wengine katika biashara

4. utamaduni halisi wa mjasiliamali- utamaduni wa kufanya kazi kwa bidii,historia ya familia

5. fani au utaalamu katika jambo flani

JINSI YA KUPATA MTAJI.

hapa tunaangalia vyanzo vya mtaji kwa mjasiliamali. Wajasiliamali wengi wanapata changamoto kubwa katika kupata mitaji ya kuanzishia biashara. nivigumu kuanzisha biashara bila kuwa na mtaji wa kutosha,hivyo basi mtaji ni muhimu sana lakini mtaji pekeyake hautoshi kuanzisha biashara ni lazima uwe na elimu ya ujasiliamali ili uweze kufanikiwa katika biashara. kuna njia mbalimbali za kupata mtaji na njia hizo zimegawanyika katika mafungu mawili ambayo ni chanzo cha ndani na chanzo cha nje.

Chanzo cha ndani ( internal sources of capital)

1. Mtaji toka kwa mjasiliamali mwenyewe. huu ni mtaji ambao mjasiliamali anakuwanao kabla hajaanza biashara. huu ni mtaji bora sana kwani humilikiwa na mjasiliamali mwenyewe na hatakiwi kurudisha rejesho hata baada ya kupata faida.

2. Mtaji ambao unapatikana wakati biashara injiendesha. faida inayopatikana katika biashara inaweza kutumika kama mtaji. njia hii ndio huchangia kukua kwa biashara.

3. hisa. baadhi yawajasiliamali wanaweza kuamua kuwekeza katika hisa za makampuni. uwekezaji katika hisa husaidia kupata mtaji pale ambapo kampuni litagawa faida kwa wanachama waliowekeza katika hisa. pia mjasiliamali anaweza kupata mtaji kwa kuuza hisa kwa mtu mwingine au muwekezaji wa nje.

chanzo cha nje ( external sources of capital)

hapa tunaangalia mtajia ambao mjasiliamali anaweza kuupata toka nje ya yeye mwenyewe. baadhi ya vyanzo hivyo ni kama ifuatavyo.

1. mkopo toka benki

huu ni mkopo ambao ulipaji wake ni wa muda mrefu.viwango vyariba si vikubwa sana ambavyo mjasiliamali anaweza kumudu kulipa endapo biashara itafanikiwa. mikopo ya benki inahitaji dhamana ya vitu visivyo hamishika mfano nyumba, shamba nk.

How to Test Your Business Ideas

Many of the greatest inventors and entrepreneurs admit to having failed at some point in their careers, but Richard Christensen, entrepreneur and author of The Zig Zag Principle (McGraw-Hill, 2011) says while failing may be a normal part of business and life, most of us are ill-equipped to fail efficiently.
He uses the analogy of skiing to teach entrepreneurs to take deliberate diversions on the road to achieving success to avoid the kind of catastrophic failures that can result in financial and personal ruin. "When we ski, we don't take our skis and point them directly down the mountain or we'll break our neck," says Christensen.
This approach is drastically different than what most business school graduates are taught to do. "In business, we're taught to do a performance analysis and set some big hairy goal and charge directly towards it and then we wonder why only one in ten small businesses achieve [what they set out to]," says Christensen.

Related: Hunting for Business Ideas? Consider Looking at These 8 Hot Industries
Slowing down and altering your course rather than bulldozing your way towards a goal, a process which he calls zigging and zagging, not only helps achieve business success but ensures if the idea fails, it fails "efficiently." Here are his four tips to zigzag your way to success.
1. Think profitability first.
Christensen recommends new ventures begin by driving towards profitability. "Think about what's the fastest way to get to profitability, even if it's a slight diversion from your [overall] goal," says Christensen, who has now founded and co-founded 32 small businesses ventures, all with five to ten thousand dollars. Eleven of those businesses failed, while thirteen turned into million-dollar success stories. When deciding a set amount of resources you're willing to risk towards the venture, whether it’s a new business or trying out a new idea within your company, Christensen recommends devoting 65 percent of that capital towards the drive to profitability, 25 percent towards resources including staff and 10 percent towards scale.
2. Make failure efficient.
If profitability isn't achieved within the determined time frame, which for Christensen is typically three months, he calls the business idea a failure, although an "efficient" failure. Every business' time frame will be different depending on how much you’re willing to invest in the venture. "What most people do is they'll spend a year, five years, ten years with no definition chasing an idea, then they give up and they’ve wasted all that time and resources. At least if I don’t get to profitability right away, I haven’t spent a ton of money and years of dedication,” says Christensen.
Related: How to Manage the Stress of Uncertainty
3. Set your focus on goals.
After achieving profitability (the first zig), Christensen takes his business ventures on their first zag, allocating 65 percent of resources to staffing and structures and prodcedures, 25 percent to scale (expansion or franchising) and 10 percent to profitability. Zigging and zagging continues using this 65/25/10 resource allocation model, rotating through profitability, resources and scale, throughout the life of the business.
4. Slow down.
While Christensen admits companies who follow the zig zag principle will take longer to achieve their end goal, he says by setting clear goals on the amount of capital, time and people devoted to the venture, businesses are provided with greater stability and the slower speed may even reveal pleasant surprises. "You find all these hidden nuggets of gold along the way that turn into better businesses ideas than what you would have found [had you simply charged toward the goal]," says Christensen.

DR. BILAL MAKAMU WA RAIS AFUNGUA KONGAMANO LA UWEKEZAJI KANDA YA ZIWA HUKO MWANZA

Mgeni Rasmi katika Kongamano la Uwekezaji Kanda ya Ziwa,Makamu wa Rais wa Jamhuri ya Muungano wa Tanzania,Dkt. Mohammed Gharib Bilal akitoa hotuba yake wakati wa Ufunguzi wa Kongamano hilo,uliofanyika mapema leo kwenye Ukumbi wa Mikutano wa Hoteli ya Malaika,Jijini Mwanza.

Mwenyekiti wa Kongamano la Uwekezaji Kanda ya Ziwa,Mh. George Kahama akitoa hotuba yake wakati wa Ufunguzi wa Kongamano hilo,uliofanyika mapema leo kwenye Ukumbi wa Mikutano wa Hoteli ya Malaika,Jijini Mwanza.

Mkuu wa Mkoa wa Mwanza,Mh. Evarist Ndikilo ambaye ndie Mwenyekiti wa Kamati ya Maandalizi ya Kongamano la Uwekezaji Kanda ya Ziwa,akizungumza na washiriki wa Kongamano hilo (hawapo pichani) wakati ufunguzi wake uliofanyika leo kwenye Hoteli ya Malaika,Jijini Mwanza.

Waziri wa Viwanda na Biashara,Mh. Abdallah Kigoda akizungumza machache kabla ya kumkaribisha Mgeni Rasmi kuja kuzungumza na Washiriki wa Kongamano hilo,jijini Mwanza leo.

Balozi wa Afrika ya Kusini nchini Tanzania,Mh. Thamduycse Chilliza (katikati) akifatilia Kongamano hilo sambamba na Mkurugenzi Mtendaji wa Kituo cha Uwekezaji Nchini (TIC),Julieth Kairuki (kushoto).Kulia ni Msaidizi wa Balozi wa Afrika Kusini,Terry Govender.