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Mtaji million sitini(60,000,000).biashara gani?

Discussion in 'Kilimo, Ufugaji na Uvuvi' started by DAVIDSON, Jan 23, 2011.

  1. D

    DAVIDSON New Member

    #1
    Jan 23, 2011
    Joined: Jan 23, 2011
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    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!!
     
  2. Ng'wanza Madaso

    Ng'wanza Madaso JF-Expert Member

    #2
    Jan 23, 2011
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    Kwanza karibu jukwaani,
    Nunua share kwenye makampuni,nina rafiki yangu yuko na share KENYA AIRWAYS kwa mwaka anapata faida kubwa sana.
     
  3. TATIANA

    TATIANA JF-Expert Member

    #3
    Jan 23, 2011
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    Iwekeze kwenye construction industry. Unaweza kuanza kuuza agregates kwa wakandari,kama upo tayari nikuconnect na mtu.
     
  4. K

    Kituko JF-Expert Member

    #4
    Jan 23, 2011
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    Mkuu kama haujawahi kufanya biashara yoyote, nisingekushauri uweke nyumba yako rehani , labda kama una nyingine
    Tatizo kubwa la benki zetu zina riba kubwa sana, sijajua upo banki gani lakini kwa hiyo 60Mil najua utarudiasha pesa inayokaribia 80Mil, na kam a unavyosema unataka uirudishe kwa miaka miwili, mhh ngumu sana

    Biashara ambazo zinaweza kurudisha fedha kwa muda wa anagalau 4-5 yrs na wewe ukabaki na faida ni
    1) Biashara ya vyakula, lakini kwa sababu ya huo mkopo jaribu kufanya biashara ya vyakula vukavu amabvyo sio vya kuaribika kwa muda mfupi, na kwa sababu utakuwa na kapito basi wewe utafanya biashara ya Faida ndogo lakini ya kuuza mzigo mkubwa (namaanisha bei yako iwe chini zaidi ya soko lilivyo lakini iwe inakupa faida)

    2) Hardware (Duka la vifaa vya ujenzi), jaribu kutafuta eneo ambalo ndio linajengwa (Mbezi, kibamba, Kongowe nk) kwa sasa, na fungua duka lako la vifaa vya ujenzi hapo, advantage ya kufungua duka maeneo kama hayo ni kuwa unakuwa na uhakika wa kuuza vitu vingi na vyenye thamani, tofauti na kufungua duka hilo Kinondoni ama magomeni, maana hapo utaishia kuuza switch na mfuko mmoja wa cementi tu (watu wa hayo maeneo wanarepair na sio kujenga)

    3) hii ya tatu ni ngumu na ina risk kubwa, lakini inafanyika sana uswahilini, unakuwa na kaofisi chako cha kukopesha mikopo midomidogo na mwisho wa wiki unakusanja fedha yako na kaRiba kadogo, kama utaifanya vizuri uswahilini itakulipa sana, kama unaweza kuifanya kwa riba ndogo ni ukweli usiopingika kuwa utapata wateja wengi sana, ni simple tu unafanya hivi:
    unaweka maximum ya mtu kuchukua ni 50000 kwa wiki na mwisho wa wiki mtu anarudisha 55000, kwa hiyo katika 1mil unapata (55000*20-1000000=100000laki moja), sasa katika 60Mil say ukatumia only 30mil katika hiyo biashara ina maana kwa wiki utakusanya100000*30=3000000 na kwa mwezi unaenda kupata 3000000*4=12,000,000/= sasa ukipiga hesabu utakuta ni miezi mitano tu inafika 60m (60000000/12000000=5months) sasa ukiweka mafka kibao ya kodi na kudhulumiwa na baadhi ya wakopaji lakini juu chini ndani ya miaka miaka miwili unakuwa na uwezo wa kulipa hilo deni,
    kwa hii kama inawezekana tutafutane ili tuangalie jinsi ya kukusaidia kwa sababu inahitaji vibali vya kibenki,police na TRA, wilayani nk
     
  5. P

    Prime Dynamics JF-Expert Member

    #5
    Jan 23, 2011
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    Ukinunua shares kwa kutumia pesa za mkopo unarisk sana. Bei inabadilika sana probability ya kuapata ugonjwa wa moyo ni kubwa. Kumbuka mkopo utatakiwa kupeleka marejesho kila mwezi na shares profit inategemea na soko. Kumbuka tunatatizo la umeme so uchumi hauko sawa.
    Mimi nakushauri kwanza kabla ya hujachukua huo mkopo, kwanza nenda National Insurance company omba bond ya huo mkopo wako. That collateral of yours itabakia na insurance company na sio benki. thus interest ya huo mkopo wako itakuwa ndogo bcoz the bank already have an assurance of getting back their money. Hapo ukikwama huwezi poteza mali yako bcoz insurance will be always there for you. So make sure umepata insurance ya huo mkopo wako usikurupuke.
    Kuhusu biashara ya kufanya kama upo dar omba utawala wa ubungo ukupe ruhusa ya kujenja kibanda cha INFORMATION CENTER ndani ya Ubongo alafu chapisha bei nzuri za taxi maeneo yote ya Dar. kila mgeni (na wenyeji pia) antakae ingia Dar kutoka mikoani atafikia kwenye kibanda chako. Ingia mkataba na madereva taxi amabo niwaaminifu. mgeni atakulipa wewe then mpe resiti yako whereby hata ikitokea amesahau mzigo ndani ya taxi husika atakuwa na uwakika wa kuupata kutokana na contacts zilizopo kwenye resiti. You will be responsible kwavile taxi unazipangia kazi wewe, Utakua unabakiza copy ya resiti ikiwa na jina la mgeni na number ya taxi. you will be getting commission from the taxi kwa vile utakua unalipwa wewe alafu wewe ndio unamlipa dereva taxi. utakuwa unapata cha juu pekee. hutakiwi kumiliki taxi au bajaji ingia nao mkataba kutokana na bei utakazo zitangaza kwenye kibanda chako. KWenye kibanda pokea malipo kwa M-PESA, ZAP, na Tigo Pesa. Sio lazima mteja wako awe na cash. Kibanda kinatakiwa kiwe na mvuto with all informations za hotels ndani ya Dar na time za ndege na boat za kwenda zanzibar na pemba bila kusahau kivuko cha kigamboni.
     
  6. tzjamani

    tzjamani JF-Expert Member

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    Jan 23, 2011
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    Big up guys kwa shule ya biashara..
     
  7. payuka

    payuka JF-Expert Member

    #7
    Jan 23, 2011
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    Duh JF nimeikubali kuna watu wanaweza kufikiria! thanks mkuu for such a useful post.
     
  8. EMT

    EMT JF-Expert Member

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    Jan 24, 2011
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  9. T

    TITOP002 Member

    #9
    Jan 24, 2011
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    Utapata mawazo hapa na kuyachuja kisha utaingia ulingoni.
     
  10. k

    kassamali JF-Expert Member

    #10
    Jan 24, 2011
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    Asante sana upeo wako kwenye biashara ni mkubwa sana msaidie jamaa
     
  11. afrodenzi

    afrodenzi Platinum Member

    #11
    Jan 24, 2011
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    akili ya biashara unayo...
     
  12. bluetooth

    bluetooth JF-Expert Member

    #12
    Jan 24, 2011
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    mkuu.... business and investment are two different things although one may be the subset of the other or visa verse

    please... confirm first which one do you want to do.... business or investment

    hence:

    could be business in terms of investment... building an apartment for rent

    renting a shop and sell cloths is purely a business and not investment
     
  13. D

    DAVIDSON New Member

    #13
    Jan 24, 2011
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    Nadhani ombi langu hapo juu lipo crystal clear ndio maana wachangiaji hapo juu wameweza kuchangia mawazo yao.
    Lakini km utakuwa makini lengo la biashara /investment yeyote huwa ni ku gain profitable returns.Hadi charitable organisations zina lengo hili.
    Back to the point: Haijalishi mchango wako umeukusudia kuutoa ktk pande ipi,iwe investment/business utakuwa appreciated!!

    Thanks.
    Davidson.
     
  14. babalao

    babalao Forum Spammer

    #14
    Jan 24, 2011
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    Davidson kwanza unafanya shughuli gani? Ni benki gani hiyo inayokukopesha kwa ajili ya kwenda kufungua biashara? kwa sababu kwa hapa Bongo hakuna venture capital banks zote ni commercial banks na masharti yake ni kwamba wanatoa mikopo kwa watu wenye biashara ambayo ni endelevu na ina umri wa miaka isiyozidi miaka 3. Masharti haya ni kwa sababu ya kupima kama uko serious. Hakuna benki inayotoa mkopo ili ukaanzishe biashara labda ukakope saccos. Hata hivyo kama unapata mkopo kwenda kuanzisha biashara unajiingiza katika risk kubwa sana ya kupoteza nyumba zako hata kama utaweka bima watu wa bima hawalipi compesation kwa uzembe lazima kuwe na sababu za msingi za wewe kushindwa kulipa mkopo ndipo watakubeba. Kwa kawaida utafiti kuhusu biashara mpya ndani ya miaka 3 asilimia 75% ya biashara hufilisika. Mimi ni mshauri wa biashara nimewashauri watu wengi kama wewe kufanikisha mambo yao tuwasiliane nipigie simu 0755394701
     
  15. Quemu

    Quemu JF-Expert Member

    #15
    Jan 24, 2011
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    Davidson,

    Fikiria kufanya reseach kwenye business hizi tatu - Agribusiness, Technology, n Entertainment.

    Agribusiness
    Ni business yoyote inayohusika moja kwa moja na agriculture au inatumia end products za agriculture. Mfano rahisi ni kama biashara ya chakula aliyoelezea Kituko hapo juu. Well, huo mtaji unaweza usitoshe kwenye agribusiness, lakini huwa kuna support (donor) kibao kwa wajasiriamali ambao wanajikita kwenye hii business. Angalia kwenye ishu za Kilimo-kwanza zinavyopewa msisitizo. Kwenye agribusiness sector, donor wengi wako tayari kutoa support, ila mara nyingi wanapendea mwombaji aweze kumatch 50% ya kiasi kinachoombwa. mfano, kama una source ya 60m, basi donor wataweza kukusaidia up to 60m. Kwa hiyo utajikuta umedouble capital yako.

    Tembelea tovuti hii Africa Enterprise Challenge Fund (AECF) kuona moja ya taasisi ambazo utoa funds.

    Unaweza kugoogle agribusiness kupata insight ya kutosha kwenye hii line of business.

    Technology
    Kuna biashara za technology za aina nyingi sana ambazo unaweza kufanya research na kupata info za kutosha. Mfano, mambo ya ICT ni biashara mzuri sana kujikita nayo, ukizingatia jinsi internet inavyozidi kukua nchini. Well, kusema ukweli huku hata mimi bado najaribu kukuelewa vizuri. Lakini ni ngoma mzuri sana kuicheza kama ukiijulia.

    Entertainment
    Amini usiamini, entertainment ni moja ya potential businesses hapa nchini. Of course, tatizo kubwa la shughuli hii ni kuna wababaishaji wengi sana ambao kwa makusudi wana take advantage ya uchanga wa aina hii ya biashara. Pia, tatizo jingine ni ukosefu wa mfumo unaoeleweka ambao utatoa mwongozo mathubuti. Lakini hata hivyo, hii sector inajitahidi kukuwa kwa haraka sana. Kwa hiyo, kuna mafanikio sana kama ukijua ni nini unafanya.

    Senti zangu mbili...
     
  16. b

    bigjeff Senior Member

    #16
    Jan 24, 2011
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    good idea broo
     
  17. b

    bigjeff Senior Member

    #17
    Jan 24, 2011
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    good idea broo
     
  18. 3D.

    3D. JF-Expert Member

    #18
    Jan 24, 2011
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    Umeandika mengi. Sina neno. Interest yangu ni katika entertainment. Kwa maelezo yako sitakupa marks 80% wala 90%
    Nitakupa 100%, kwa kuanzia kula thanks.

    The Following User Says Thank You to Quemu For This Useful Post:

    3D. (Today)
     
  19. C

    ChiefmTz JF-Expert Member

    #19
    Jan 24, 2011
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    Nami nimemkubali ckujua kama u can insure your credit with insurance cos. Asante sana mkuu
     
  20. Superman

    Superman JF-Expert Member

    #20
    Jan 24, 2011
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    TZS 60M:

    Agiza basi 2 toka Japan za Medium Capacity i.e 32-40 Seats.

    Each pays you a net of TZS 100,000 Per day after deducting all expenses i.e fuel, drivers and conductors allowances as DALA DALA.

    Assume some risks of breakdown and maintenance, you can estimate one bus works 5 days ina week giving you TZS 500,000/=

    Two Buses will give you TZS 1,000,000/= in a week or TZS 52,0000/= in a year.

    If you decide to shuttle upcountry like Lindi; Mtwara etc. the revenue is twice. i.e TZS 400,000/= for a return journey after deducting all expenses. that means in ayear you can make TZS 100 Million + or -.

    NB: This is note a joke. People are doing this.

    Get your Mid-Bus here: Sakura Automobile
     
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