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Jinsi ya kupata mkopo!

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by VIDO, Sep 20, 2011.

  1. V

    VIDO Member

    #1
    Sep 20, 2011
    Joined: Sep 20, 2011
    Messages: 7
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    Jaman wa JF,naomben msaada wenu,my father ana biashara ya HARDWARE ina thamani ya more than 5 million anaitaji MKOPO ya 10 million kw jili ya kuiboresha hiyo biashara so problem ni kwamba liences ya biashara hiyo ameandika JINA LANGU na mim nimwafunzi nimeenda BANKS wamenipa condition:


    1Nifungue A/C...Hiyo ninayo
    2.CASH FLOW yang iwe nzuri. So hapa kweny CASH FLOW ndiyo na hisi nitashindwa kutekeleze coz me ni mwafunzi cash flow i mean itakuwa ni kawaida ambayo itanizuia kuchukuwa mkopo.


    "NAITAJI MSAADA WENU WA MAWAZO NIFANYA JE"
     
  2. Entrepreneur

    Entrepreneur JF-Expert Member

    #2
    Sep 20, 2011
    Joined: Jun 26, 2011
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    Hongera kwa juhudi zenu za kujiletea maendeleo zaidi. Cha kufanya ni kumwambia baba yako awe anatumia akaunti yako (personal account) kwa shughuli za hiyo biashara. Yaan awe anadeposit hela yote ya mauzo huko na muwe mna-withdraw fedha ya matumizi kwenye hiyo akaunti. Hapo mtatengeneza Cash flow.

    Hata hivyo kama mnataka 10M wakati thamani halisi ya duka ni 5m itakuwa ngumu kidogo. Hapo itatakiwe muwe na asset nyingine, haswa immovable property (kama Nyumba hivi) ili muweze kupata hiyo loan.

    Lakini ingekuwa busara zaidi kama biashara yenu itakuwa formalised (either iwe PARTNERSHIP au Limited Company) ili nyie (wewe na baba yako) muwe shareholders na muwe na akaunti ya biashara, halafu babako awe authorized ku-opperate hiyo account. Mkifanya hivyo mtaenda mbele kwa mafanikio zaidi, na hutaweza kuchanganya shule na biashara
     
  3. V

    VIDO Member

    #3
    Sep 21, 2011
    Joined: Sep 20, 2011
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    dah gud idea.....yup nita mshauri nisikilize at sema je..........................
     
  4. MTAZAMO

    MTAZAMO JF-Expert Member

    #4
    Sep 21, 2011
    Joined: Feb 8, 2011
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    Mkuu umenifurahisha kwa moyo wako wa kujitolea kutoa maelezo mazuri sana,mafupi yanayojitosheleza.huu ni mfano wa kuigwa humu JF.ndugu aliyeomba msaada,fata ushauri huo uliotolewa na achukue mkopo kidogo kwa malengo ili msipate shida kurejesha kwani inategemea sana na turnover ya bness yenu.mikopo yetu ina riba kubwa sana si chini ya 20%! Kila lakheri ndugu.
     
  5. V

    VIDO Member

    #5
    Sep 23, 2011
    Joined: Sep 20, 2011
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    Thix!so 20% in amount exceed 10 ml ndo unarudisha 20%.................................or
     
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