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Mtaji wa Milioni 5-10 (TZS): Biashara gani unaweza kufanya...?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Mbu, May 3, 2009.

  1. Mbu

    Mbu JF-Expert Member

    #1
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    Wajameni eeh,

    Nimebahatika "kupata" mahala ka mtaji. Ni kiasi cha Shs. milioni kumi tu, (10,000,000/=) za Kitanzania.

    Nipeni mapendekezo nizi invest wapi, kivipi na matarajio ya faida (i.e biashara gani inalipa (plus location), kwa muda gani, na SWOT analysis zake).

    =======





     
  2. M

    Malila JF-Expert Member

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    je unataka investment ya muda mfupi au mrefu, specify,pili biashara hiyo utasimamia mwenyewe au unataka uweke mtu wa kuisimamia? Je unataka biashara hiyo ndo uitegemee kwa maisha ya kila siku? Uko tayari kwenda kinyume cha imani yako(kama una imani/dini) ?
     
  3. WomanOfSubstance

    WomanOfSubstance JF-Expert Member

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    What are you good at maana siyo kila mtu ni mjasiriamali au mfanya biashara.
    Ushauri mzuri utategemea hilo swali vinginevyo unaweza kupoteza pesa zako.
     
  4. S

    Simoni Member

    #4
    May 3, 2009
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    Kanunue hisa za crdb ambazo zinauzwa at shs 150 per share. 10 m itakupatia shares 66,666. Hii maana yake nini. Kama ungepeleka DECI labda ungevuna 20m baada ya miezi 4? Sijui formula yao.

    Lakini ukinunua shares hizi crdb zikipelekwa kwenye soko la hisa unaweza ukaziuza zote halafu ukavuna zaidi ya asimia 100. Na hii ni baada sana sana ya miezi miwili.

    Kwa hiyo ukipata 20m zako iko mbaya gani/ U can decide kuziweka kwenye Fixed deposit ya hao crdb halafu ukaitumia hiyo kuombea mkopo. But this depends very much if u have a steady monthly income.

    Huo ni ushauri wangu wa bure
     
  5. Dar_Millionaire

    Dar_Millionaire JF-Expert Member

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    Mkuu Mbu,

    Njia nyingine pia ya kuharakisha mjadala ingekuwa kutuambia product idea zako halafu ukapata maoni kuhusu soko likoje kwa kila product idea.

    Otherwise kama alivyosema WoS what's your core strength? Maana sio siri biashara ni zaidi ya mke, ni zaidi ya familia. You'll find yourself spending more time on your business especially in the beginning kuliko muda utakaokuwa unaspend na mamaa/papaa na watoto.

    Off head kuna hii kitu ya online dating. You can throw a twist on the game by requiring your members to test for HIV, and charge men for ladies contacts.

    Kuna wagoni wengi tu mfano maofisini ambao ni madomo zege lakini kila mwezi wanapenda kubadili mboga. Hao watakuwa wateja wako wakuu.

    Plus internet population ya Tz itaexplode by Aug. this year .. so you can start building now.
     
    Last edited by a moderator: Jan 4, 2016
  6. Abdulhalim

    Abdulhalim JF-Expert Member

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    Simoni

    Kwa matangazo zaidi inabidi upate ruksa ya wenye jamvi akina Invisible..lol

    Nways, haya mambo ya stock market wadau wanasema sometimes huwa yanakuwa pata potea. Kwa jinsi ulivyoweka maelezo yako, it is like unauhakika kuwa bei za hisa zitapanda huko mbeleni which is a fallacy.

    Stock market are stochastic in nature na kuna factor nyingi mno zinzaochangia bei kushuka au kupanda. Some of the factors are internal and can be internally controlled, some are external and never be controlled.

    Ni vyema mhusika asichukulia maneno yako in totality.
     
    Last edited by a moderator: Jan 4, 2016
  7. WomanOfSubstance

    WomanOfSubstance JF-Expert Member

    #7
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    be careful on this maana its not automatic -kununua shares na kuziuza kwenye secondary market upate pesa ya chap chap siyo rahisi sana kama ilivyokuwa kwenye IPO.

    Mbu angeongea au kutafuta ushauri kutoka kwa wataalam..kama uko dar mwone kwa mfano George Fumbuka wa Core Securities akushauri on this... au mtu mwingine gwiji kwenye eneo hili.
     
  8. K

    Kichakoro JF-Expert Member

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    Bandugu,

    You will fail 100% kama utatumia approach ya kusikia kwa watu ndio utekeleze.

    The best project must come from you and not from other people. Sisi wengine ni kukupatia minofu michache lakini you must have the skeleton.

    Ndio hayo tu.

    WAZEE WA KUCHOMA NDIZI
     
  9. Quemu

    Quemu JF-Expert Member

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    May 3, 2009
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    Nafikiri Malila ameuliza maswali muhimu sana.

    Kwa kuongezea tu, je unataka kuinvest kwenye biashara utayojihusisha moja kwa moja? Au ungependa kuinvest kwenye biashara ya mtu mwingine na wewe ukaplay kama investor na kusubiri returns?

    Jinsi shamra shamra za ujasiliamali zinavyoendelea sasa bongo, kuna watu kibao wanambinu za kibiashara lakini hawana mtaji. Kwa hiyo, watu aina hii unaweza kuwatafuta na kuwaruhusu wa-pitch ideas zao kwako ili utathmini kama zinafaa kutumbukiza mtaji wako.

    Au kama ungependelea kuanzisha biashara yako mwenyewe, then ingekuwa vizuri ukae kitako na kupitia kwa uangalifu aina ya biashara zote ambazo zinaweza kuendesheka bongo. Tatizo la hili ni kuwa Tshs. 10m sidhani kama inatosha kuanzisha biashara yoyote bongo ambayo revenue yake inaweza kukamatika ( as in you can feel it).

    All in all, kama unaishi nje ya nchi, then cha kwanza kabisa utahitaji kufunga safari na kwenda bongo. Ukiwa nyumbani, tumia muda wako mwingi kukutana na watu mbalimbali. Hii itakupa nafasi ya kudadisi mbinu nyingi za kibiashara zinazoendelea nchini, pamoja na ku-networking.

    Goodluck bro.
     
  10. bm21

    bm21 JF-Expert Member

    #10
    May 4, 2009
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    Mbu! naomba uwatake radhi wanaJF wote waliokwisha kukushauri namna ya kuwekeza pesa ulizosema umekwapua sehemu. Kukwapua ni ufisadi tunaoupigia kelele hapa JF mpaka tunakosa muda wa kulala vizuri. Mi nitakushauri ukikanusha kuwa hujakwapua na iwe kweli hujakwapua mahala.

    cheers
     
  11. Kana-Ka-Nsungu

    Kana-Ka-Nsungu JF-Expert Member

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    Oa kama bado hujaoa na kama umeshaoa-ongeza wa pili au nyumba ndogo, life is too short, unaweza ukafa next month ukawaachia ugomvi ndugu zako kwa hizo hela!
     
  12. Pretty

    Pretty JF-Expert Member

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    Mie naona Mbu uwekeze kwenye mfumo wa maji safi kule bongo, nenda sehemu ambazo hawana maji ya bomba na ukachimbe visima vya kutumia mota ya umeme ili wapate maji safi badala ya kuchota maji kwenye madimbwi. Hiyo pesa unaweza kuchimba visima 5, hapo utasaidia wananchi wenzako. Unaweza kurudisha pesa yako, iwapo utafanya kila ndoo ya maji ni shs 100.
     
  13. Mbu

    Mbu JF-Expert Member

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    ...malila, nikikurudishia hili swali, Investment ipi ina faida zaidi, ya muda mfupi au muda mrefu? Halafu ukisema Investment ya muda mfupi/mrefu una maanisha nini?

    Kwa mfano; Biashara ya mama Ntilie, chapati na maandazo maofisini unaziweka kwenye kundi la short/long term investment? Kuhusu usimamizi na utegemezi inategemeana na ushauri nasaha toka kwenu wajasiriamali wazoefu.

    ...Good Question WoS, pamoja na swali lako zuri la nyongeza, naomba nikujibu kwamba nataka kutoka nje ya field yangu. Au kwakuwa nimetumia nusu ya umri wangu wa utu uzima kwenye fani fulani (isiyohusiana kabisa na biashara) haiwezekani kutupa karata kwenye biashara?

    ...Nimekupata mzee wa kuchoma Ndizi, ndio maana nikatumbukiza swali langu hapa kupata mchango wa mawazo yenu. Labda nikuulize, hizo ndizi mnazochoma wateja wenu ni kina nani(bila kutaja majina), wakati gani, na kwanini ukadhani katika biashara zote, kuchoma ndizi ndio biashara inayokufaa?

    ...Oh, cheers bm1. Nawataka radhi wana JF wote mliokwazika na neno hilo "kukwapua", maana sahihi ninayomaanisha ni; NIMEPATA/NIMEOKOTEZA/NIMEIBUA/NIMEZINYAKA. (dah, kiswahili kigumu!)
     
  14. Mbu

    Mbu JF-Expert Member

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    ...Okay, naona wewe una maanisha biashara yenye malengo ya muda mfupi! Mimi nataka niwekeze kwa maana iwe ni biashara ya mzunguko, inajizalisha, ikijiendeleza na kukua. Au ndio kusema hiyo DECI kila miezi minne faida inarudi na kujiongeza? nikiweka 10m/= nitafaidika kwa % ngapi, na risks ni zipi ukitilia maanani Global financial downturn?

    ...Mawazo mazuri sana. Nautafakari kwanza ingawa kiroho kinanidunda hizo shares zinavyopanda na kushuka kila kukicha. Vipi security ya pesa zangu kwenye hayo mambo ya hisa versus Global financial downturn? How greater are the risks?

    ...Product idea inatokana na market reseach kwanza au sio? Sijaifanyia hiyo kazi, ndio maana nimetumbukiza karata yangu hapa nijue ndugu zanguni ni biashara gani Tanzania kwa kamtaji ka 10m/= inaweza kulipa.

    Kuhusu Online dating, na hiyo 'niche market' ya wanaume wenye midomo zege, ni idea nzuri lakini kwa mtaji wa 10m/= tu bro? halafu soko lenyewe ndio hilo 'maalumu', itawezekana kweli?

    ...nakweli mazee, uki imagine mtu kama Adolf Merckle
    amejiua sababu ya hizo stockmarket shares, itakuwa mimi Mbu na hii 'jackpot bingo' yangu!

    ...naaam, naam ...ndio maana nikaja hapa kutumbukiza swali langu kama naweza zi 'pitch' hizo ideas zenu.

    ...Thanks, sijawahi kufanya biashara Tanzania. Sina uzoefu wa biashara yeyote! Naogopea hizo zunguka zunguka mitaani nitakumbana na wajanja halafu nije kula haka kamtaji! ndio maana naanza na mawazo yenu nyie watanzania wenzangu wa kwenye mtandao,...

    ...hivi Quemu ndio wewe QM aka QuickMover? kama ni wewe, vipi ile biashara ya Billboards uliyokuwa ukiifikiria mwaka juzi kuianzisha Tanzania? Ulifanikiwa?

    ...kaka, ndio kusema 10m/= ni invest kwenye ndoa kwa faida gani mkuu? au wakishazaliwa watoto waje wanifae uzeeni?

    Pretty, mawazo yako mazuri hayo ya kuuza maji, sema sasa...hizo sehemu unazosema hazina maji.. ambako naweza chimbisha visima... unahabari gharama ya kuchimbisha kisima kimoja sio chini ya 3.5m/= (shillingi za kitanzania)

    Baada ya hapo nini uhakika wa umeme, pampu na ikiwezekana mlinzi au msimamizi wa kisima hicho kimoja. Gharama za uchimbaji na uendeshaji zitamaliza mtaji wote kwa kisima kimoja tu, halafu return yake itachukua miaka mingapi mamaa?

    Biashara ya maji naiweka kapuni, labda kama kutoa sadaka tu kwa wananchi aka wapiga kura!
     
  15. Pretty

    Pretty JF-Expert Member

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    unaweza kutoa sadaka kwa wapiga kura sio mbaya. hahahahahaha
     
  16. M

    Malila JF-Expert Member

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    Kwa kuwa uko ya nchi,usimamizi kwa biashara nyingi hapa Bongo kwa sasa ni tatizo.Utakosana na jamaa zako bure,vijana wachache sana wanaweza kusimamia kwa uaminifu. Je wewe ni wa umri upi? Biashara za muda mrefu ni zile ambazo mavuno yake si ya leo. Hizo za maandazi na chapati ni za leo leo.

    Biashara zenye high risk ndizo zenye high return na ambazo wabongo wengi wanazikimbia mzee. Karibu tuendelee kupeana ushauri.
     
  17. C

    Chief JF-Expert Member

    #17
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    Yaani unataka info zote hizi free of charge? Kwa maoni yangu, hili lingekuwa zoezi la kwanza kabla ya hata kuchukua mtaji huo. Kama hujui la kufanya, urudishe tu ndugu yangu kama umekopa ili angalau kupunguza riba.
     
  18. Mgombezi

    Mgombezi JF-Expert Member

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    Mimi ni mfugaji, nitakushauri kufuga ngombe kwa mchakato ufuatao:

    Ujenzi wa banda = Ths 500,000/=
    Manunuzi ya Ngombe 5 x Tsh 900,000 = Tsh 4,500,000/=
    (Ngombe utawanunua wakiwa na mimba ya miezi 6)
    Kuwahudumia ng'ombe kwa miezi mitatu kabla ya production = Tsh 1,500,000/=
    (inahusisha mshahara kwa wafanyakazi wawil + chakula + madawa)

    Jumla = Tsh 6,500,000/=

    Baada ya Miezi 3;

    UZALISHAJI:

    Ngombe hawa watakuwa wakitoa maziwa si pungufu ya lita 5 kwa asubuhi na jioni kwa kila ng'ombe. Hivyo uzalishaji kwa siku utakuwa lita 10 kwa siku kwa ng'ombe.

    MAPATO

    Lita 10 x Ng'ombe 5 = lita 50 kwa siku x Tsh 1000 (bei ninayouza mimi hapa) = Tsh 50,000 kwa siku
    Mapato kwa mwezi = Tsh 50,000 x 30 = 1,500,000/=

    Gharama za uendeshaji kwa mwezi = Tsh 600,000/=

    Faida = Tsh 900,000/= kwa mwezi

    BAADA YA MIAKA 5:

    Kumbuka ng'ombe huzaa kila mwaka hivyo basi baada ya miaka mitano utakuwa na ng'ombe wasiopungua 25. Kipato chako kwa mwezi unaweza kufikia si pungufu Tsh 18,000,000 endapo utakuwa na ngombe jike 20 kati ya hao 25.
     
  19. M

    Malila JF-Expert Member

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    Ng`ombe kweli wanalipa ( maziwa sio nyama),lakini jamaa yuko nje ya nchi. Mziki wa kutunza ng`ombe ukiwa mbali,tena ng`ombe wa maziwa si mchezo. Angekuwa Bongo ningemsaidia kumwonyesha kiwanja safi cha kufugia ng`ombe hao.
     
  20. K

    Kichakoro JF-Expert Member

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    Mkuu Mbu,

    Sisi hatuchomi ndizi kwa biashara ya kumsubiri mteja tusiemfahamu, hatuhitaji matangazo wala utambulisho. Sisi ni wateja na wao pia ni wateja, hivyo kwa pamoja tunachoma ndizi.
     
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