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Help please.nifanyaje ili nipate mkopo

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by LuCKNOVICH, Apr 21, 2011.

  1. LuCKNOVICH

    LuCKNOVICH Senior Member

    #1
    Apr 21, 2011
    Joined: Jan 22, 2011
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    Nina biashara ya Grocery store na Internet cafe.Je nitatumiaje biashara hizi ili kupata mkopo kama Bank na taasisi zingine za kibenki.NATANGULIZA SHUKURANI.
     
  2. P

    Prime Dynamics JF-Expert Member

    #2
    Apr 21, 2011
    Joined: Dec 30, 2010
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    Mkuu kama unayao leseni, na record za mauzo yako on daily basis ziko vyema, jaribu kuwatembelea Akiba Bank na NMB. Do some loan window shopping kwenye hizo banks. Ila mkuu kwa upande wangu if you have a Grocery store and an internet cafe try to seat down and come up with a financial plan. Usijaribu kukopa kama huna financial plan. May be let me help you kidogo, go for loan window shopping kwenye hizo banks mentioned above. Ukisha jua how much you will be required to pay each month kama rejesho, sasa look at your current financial status, julize je currently are you capable of raising the funds za rejesho? If so make a plan for a loan and go for it, if NO kipange kwanza. If you try to get a loan without planning you will end up putting your financial health on a drip.
     
  3. LuCKNOVICH

    LuCKNOVICH Senior Member

    #3
    Apr 21, 2011
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    Thanks Prime Dynamics as per your advice
     
  4. P

    Prime Dynamics JF-Expert Member

    #4
    Apr 26, 2011
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    Mkuu before you think of a loan, try to outsource one of your businesses. Mfano, get in touch with any of the IT guys who may be interested with internet cafe business, make an agreement. Fanya hivi, chukua gharama ya kodi ya room ya internet na grocery add them, divide by the number of days in a month. the answer you get is the amount you need to pay for rent per day. For instance kama the amount required is 5000 per day for the rent {both internet and grocery}, let the guy pay you 10000 or 15000 per day.Though this may depend on the location and the equipments you have. So you won't have any problem with the rent since the IT guy will be paying for you.
    The time spent at the internet cafe invest it in the Grocery. Make sure you treat all your customers as if you are about to lose them watamiminika kama vile wanavyo kwenda kanisani. epuka sana kuuza hakuna. Let your grocery have fast moving items to keep your cash flow. I think you won't be out of business and you will be ready to go for a loan when you need it.
     
  5. Chapakazi

    Chapakazi JF-Expert Member

    #5
    Apr 27, 2011
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    mh...una advice nzuri sana. umefanya finance? upo bongo?
     
  6. LuCKNOVICH

    LuCKNOVICH Senior Member

    #6
    Apr 27, 2011
    Joined: Jan 22, 2011
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    Thanks again PRIME DYNAMICS for your advise,I really appreciate.am going to work on it.
     
  7. L

    LAT JF-Expert Member

    #7
    Apr 27, 2011
    Joined: Nov 20, 2010
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    mkuu .... kuna watu wamefanya finance lakini hawawezi kudeliver this type of creamy advice kama za mkuu prime dynamics .... kuna ma loan/ credit officers kwenye banks mbali mbali ambao ni bogus and useless ... pale utakapo kwenda bank kutafuta mkopo cha kwanza watakuuliza kama una security/title deed bila kuanza kukushauri kuhusu basics za biashara unayotaka kufanya ili iweze kulipa deni kama anashauri prime dynamics ..... lazima tubadilike
     
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