[TITOP002]

Ndugu wanajamii,kwa kifupi nategemea kupata mkopo toka Bank moja hapa
Dar essalaam kwa kuweka nyumba yangu kama collateral(security).
original business idea ilikuwa ni kufungua nursary ambayo baadaye inge turn into
secondary school.Lakini kwa mtazamo wa haraka,naona kama hii biashara yahitaji
mtaji mkubwa kuweza kuwa na shule ya kiwango cha juu-kusurvive competition.Na kwa upande mwingine shule binafsi zimekuwa nyingi sana na serikali inazidi kujenga shule za kata.Nikiangalia mbele naona giza kwa watu wenye mitaji midogo na hasa baada ya watu wenye uwezo kuanza kuwekeza kwenye mashule na huku maisha ya working class yakizidi kuwa magumu siku baada ya siku.
Aina ya biashara isiwe NAFAKA wala HARDWARES(vifaa vya ujenzi).

Ombi langu ni: wapi naweza ku invest hii pesa? Location -Dar.
Hiyo investment naomba iwe ni yenye turnover kubwa ili niweze kulipa
mkopo ndani ya miaka miwili au tatu kuepuka riba kubwa ya Miaka 5.


Natanguliza shukrani,kwa msaada wowote wa kimawazo.

Davidson!!

[mfanyaji]

tafuta business consultant naamini unaweza fanya mengi kwa hiyo hela na ukizingatia ni mkopo lazima utumie kwa akili

[Logo]

Anzisha media house! Mfano radio na video production hasa hasa radio itakulipa sana! mzee mazunguse nipo bega kwa bega nawewe utakuala faida!

Ndugu wanajamii,kwa kifupi nategemea kupata mkopo toka Bank moja hapa
Dar essalaam kwa kuweka nyumba yangu kama collateral(security).
original business idea ilikuwa ni kufungua nursary ambayo baadaye inge turn into
secondary school.Lakini kwa mtazamo wa haraka,naona kama hii biashara yahitaji
mtaji mkubwa kuweza kuwa na shule ya kiwango cha juu-kusurvive competition.Na kwa upande mwingine shule binafsi zimekuwa nyingi sana na serikali inazidi kujenga shule za kata.Nikiangalia mbele naona giza kwa watu wenye mitaji midogo na hasa baada ya watu wenye uwezo kuanza kuwekeza kwenye mashule na huku maisha ya working class yakizidi kuwa magumu siku baada ya siku.

Ombi langu ni: wapi naweza ku invest hii pesa?
hiyo investment naomaba iwe ni yenye turnover kubwa ili niweze kulipa
mkopo ndani ya miaka miwili au tatu kuepuka riba kubwa ya Miaka 5.

Natanguliza shukrani,kwa msaada wowote wa kimawazo.

Davidson!!

[LAT]

mkuu... geographical location yako ni wapi ..?

hapa Dar ?

[Kituko]

mbona kuna post kama hii imekuja na ilikuwa na same contest na ilichangiwa sana, ni mtu mmoja ama tofauti?

[LAT]

mbona kuna post kama hii imekuja na ilikuwa na same contest na ilichangiwa sana, ni mtu mmoja ama tofauti?

mkuu...siyo huyu ...ukiangalia profile yake kwenye started threads...... hakuna topic kama hii ...labda ni mtu mwingine

[Ntemi Kazwile]

Nunua ng'ombe, mbuzi ufuge. Maeneo ya kufugia yapo Kilwa (kule serikali ilipowapeleka wasukuma kutokea Ihefu). Kwa 60m unaweza kununua ng'ombe 100 @ 200,000 na mbuzi 200 @ 10,000 ukinunua sasa (ambao ndio msimu wa kununulia) unaweza kuwauza hao ng'ombe/mbuzi November-December kwa Ng'ombe Tshs500,000-700,000 na mbuzi 40,000...

Hapo utakuwa umetumia kama 30m hivi kwa ajiri ya kununua ng'ombe/mbuzi, kupata eneo na kuweka miundombinu kama nyumba, n.k. ndani ya mwaka mmoja utaweza kupata kati ya 55m na 65m

[hashycool]

dont tell me bank wamekupa mkopo bila kujua unaenda kufanyia nini!

[Sita Sita]

Aisee wewe unakopa hela nyingi hivo bila kuweka strategy kwanza unategemea mawazo ya JF?

Angalia nyumba isiuzwe mkuu

[VoiceOfReason]

Aisee wewe unakopa hela nyingi hivo bila kuweka strategy kwanza unategemea mawazo ya JF?

Angalia nyumba isiuzwe mkuu

Kweli hapa tunaweza kusema....
"Putting a Cart infront of a Horse"

[SMU]

Million 60,000,000(sawa na tzs 60,000,000,000,000)! Hakuna bank hata moja hapa tz inaweza kukukopesha pesa yote hiyo.

[Gaijin]

millioni 60,000,000 means Million sixty millions?! (milioni 60 milioni ?)

[Gaijin]

Duh! SMU naona tumeona tatizo moja kwa wakati mmoja!

[KakaJambazi]

Lini utazi draw mkuu.

[mjasiria]

Lini utazi draw mkuu.

Unataka kumlia mingo nini??haahahahahaha

[Mtanganyika]

Dont borrow the money. Take it from a business developer.

Nenda kajue unataka kufanya nini kwanza, weka pesa zako kiasi kwenye biashara akangalia growth then ndio uinject cash ya kukopa.

[Mrekebishaji]

Ndugu hbr yako. Naomba msaada wa namna ya kupata hati ya nyumba kwa haraka na pia jinsi ya kupata mkopo benki. Tafadhali ni PM. Kuhusu biashara gani itakufaa, naomba pia ni PM nikupe mawazo mazuri, ninayo mengi utachagua wewe tu. mimi kwa sasa nina nyumba ya thamani kama 60 mil. tatizo langu ni kupata hati na mkopo

[Godwine]

Fungua bar tuje kunywa mpaka tuleweeeeeeeeeeeeeeeeee

nyumba yako hipo maeneo gani kwanini usiniuzie tu kwani hautatozwa interest za mabank.........ha ha ha

[Prime Dynamics]

When looking for finance for any business, one of your most important tools for success is a clear and comprehensive business plan.
Before any institution even considers loaning you money, they need evidence that you have the knowledge of your service and target market. They need to see that your budget requirements and financial projections are kept within the amount of money you wish to borrow. A business plan in most cases does communicate clearly the business‘s goals, thus going along away to secure finance. However, from my understanding no bank in Tanzania will ever provide you finance to commence a business. They only provide money to give momentum to the existing business. So I hope your nursery school business is in progress at the moment.
If you are really an entrepreneur you should practice caution not to abandon the business plan (i.e your school business) once funds have been obtained, as it provides a clear guideline to growing and sustaining it in future. Many entrepreneurs like you may not see the point in planning. However, if used correctly, the business plan can serve a purpose far more valuable than merely obtaining finance. My experience reveals that many entrepreneurs do not adequately consider their cash-flow when planning their business. One will only realize the importance of cash once it has run dry. Having cash is no use if you don’t have a plan for how you will spend it and when you are going to get it back. For example, factors such as debtors and creditors need to be taken into account. When you pay your creditors and how long it takes for you to receive payment from your debtors will have huge implications on your cash flow if not planned accordingly. You also need to ensure that your marketing strategy receives adequate attention. By correctly identifying your target market, and ensuring you are marketing to them, you are able to reach out to those who will be interested in your services.
On my side I strongly suggest you rather stick on your plans since investing in education is a life time investment. Don’t try to put your future financial healthy on a drip. If your prevailing financial health cannot allow you to part with the monthly repayment, do not rush to secure the loan hoping to change your financial situation. Keep in mind that banks do not bother whether you take a loan beyond your ratio, since they are more driven by their interests of growing their loan books and revenue.

[Tutafika]

<font size="3"><font face="Tahoma">When looking for finance for any business, one of your most important tools for success is a clear and comprehensive business plan. <br />
Before any institution even considers loaning you money, they need evidence that you have the knowledge of your service and target market. They need to see that your budget requirements and financial projections are kept within the amount of money you wish to borrow. A business plan in most cases does communicate clearly the business‘s goals, thus going along away to secure finance. However, from my understanding no bank in Tanzania will ever provide you finance to commence a business. They only provide money to give momentum to the existing business. So I hope your nursery school business is in progress at the moment. </font></font><br />
<font size="3"><font face="Tahoma">If you are really an entrepreneur you should practice caution not to abandon the business plan (i.e your school business) once funds have been obtained, as it provides a clear guideline to growing and sustaining it in future. Many entrepreneurs like you may not see the point in planning. However, if used correctly, the business plan can serve a purpose far more valuable than merely obtaining finance. My experience reveals that many entrepreneurs do not adequately consider their cash-flow when planning their business. One will only realize the importance of cash once it has run dry. Having cash is no use if you don’t have a plan for how you will spend it and when you are going to get it back. For example, factors such as debtors and creditors need to be taken into account. When you pay your creditors and how long it takes for you to receive payment from your debtors will have huge implications on your cash flow if not planned accordingly. You also need to ensure that your marketing strategy receives adequate attention. By correctly identifying your target market, and ensuring you are marketing to them, you are able to reach out to those who will be interested in your services. </font></font><br />
<font size="3"><font face="Tahoma">On my side I strongly suggest you rather stick on your plans since investing in education is a life time investment. Don’t try to put your future financial healthy on a drip. If your prevailing financial health cannot allow you to part with the monthly repayment, do not rush to secure the loan hoping to change your financial situation. Keep in mind that banks do not bother whether you take a loan beyond your ratio, since they are more driven by their interests of growing their loan books and revenue.</font></font>

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This is best advice kama kweli umeshapata hizo fedha, mawazo uliyoomba (business idea) yanatakiwa kabla ya kipindi cha kuandaa business plan