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Nahitaji mawazo yenu JF

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by DAVIES, Dec 24, 2011.

  1. DAVIES

    DAVIES JF-Expert Member

    #1
    Dec 24, 2011
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    Jamani mm ninauliza mwenye uelewa mimi napenda kujiajiri ishu ni mtaji je ule mpango wa serikali kutoa mkopo kwa dhamana ya cheti umefikia wapi? na ule wa NSSF masharti yake vipi nataka kuanzisha maabara yangu binafsi mwenye aidea na hii nasukumwa sana na kujiajiri nasio kuajiriwa hayaaa jamani nalitua mezani mnisaidie
     
  2. Kongosho

    Kongosho JF-Expert Member

    #2
    Dec 24, 2011
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    ngoja waje wajuzi watueleze
    maana mikopo TZ ni headache tupu
     
  3. Husninyo

    Husninyo JF-Expert Member

    #3
    Dec 24, 2011
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    Kama umekosea jukwaa vile.
     
  4. DAVIES

    DAVIES JF-Expert Member

    #4
    Dec 24, 2011
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    ni kweli ila nadhani nimeeleweka
     
  5. M

    Malila JF-Expert Member

    #5
    Dec 24, 2011
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    Maabara ya nini mkuu?
     
  6. Raia Fulani

    Raia Fulani JF-Expert Member

    #6
    Dec 24, 2011
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    tulifikia hitimisho kuwa cheti si dhamana kwani hakina thamani kwa upande wa pili. Pia cheti si liquid in any way kwamba uki default tukiuze tupate chetu. Tunaisubiri serikali ije na sera ya mchanganuo wa biashara kwa wahitimu
     
  7. Candid Scope

    Candid Scope JF-Expert Member

    #7
    Dec 25, 2011
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    Jaribu kuondoa ubinafsi, tafuta wenzako kama wawili au watutu wenye mitaji kama yako mnaunda ushirikiano ambao utahitimisha kupata kiwango kizuri cha mtaji wako, si kila mara kufikiria mkopo kwani wapo wengi mno wanaokodolea macho mikopo na hivyo ushindani wa mikopo kuyumbia kwa wenye nacho. Uchumi wa leo ni wa kujiendesha kibiashara si kijima kama ule wa ujima.
     
  8. M-pesa

    M-pesa JF-Expert Member

    #8
    Dec 25, 2011
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    Mkuu maabara ya nini? Hospital kwa ajili ya kuchukua vipimo au shule kwa ajili ya kufundishia masomo ya science?
     
  9. DAVIES

    DAVIES JF-Expert Member

    #9
    Dec 25, 2011
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    Maabara kwaajili ya vipimo vya magonjwa mbalimbali not school man
     
  10. Chasha Poultry Farm

    Chasha Poultry Farm Verified User

    #10
    Dec 25, 2011
    Joined: Jun 4, 2011
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    Mkuu Hongera sana kwa ujasiriamali,

    - Mkuu kwa kweli hili swala la vyeti kutumika kama dhamana ni gumu sana kwa huku bongo na kwa mabenk ya biashara ni vigumu sana labuda mikopo hiyo itolewe na serikali.
    - Mkuu kumbuka kwamba hata mikopo ya benk huwa mkopo haulingani na thamani halisi ya dhamana mfano kama nyumba inathamani ya 80 milioni unaweza pewa 60 milioni.
    - C jajua cheti watakuwa wana kithaminisha vipi,

    - Mkuu swala la mitaji Tanzania ni gumu sana na c kwetu Tanzania tu hata nchi kubwa za wazungu
    - Mkuu hata ulaya % kubwa ya wanao anza biashara huanza na mitaji yao wenyewe then huangalia kukopa benki,

    - Na hata benki nyingi huwa hazitoi mikopo kwa biashara mpya zinazo anzishwa nyingi hutoa kwa biashara zilizo kwisha simama, hii ni kwa sababu ya risk kubwa sana kwenye biashara zinazo anza kwa mara ya kwanza,

    - Mkuu labuda ufanye hivi

    1. Kusanya mtaji wako mwenyewe kwa kutunza kidogo kidogo- tumia wealth theory
    - Achana na matumizi yote yasiyo kuwa na faida maishani mwako, fanya matumizi ambayo yanakuwekea kumbukumbu ya maisha yako kwa baadae


    2. Ongea na ndugu zako haswa Baba na Mama wanaweza kukusaidia kwa mtaji

    3. Uza baadhi ya vitu vyako vya thamani kama vile.
    - Redio
    - Fridge yako
    - Kitanda chako
    - Na vitu vingine
    Mkuu haina maana kuwa na fridge ambayo ndani yake unakuta kuna garoni ya maji tu- uza fanya mtaji mkuu
    Hata kitanda, wageni hufikia sebureni, so uza kitanda fanya mtaji wako, ukifanikiwa utakuja nunua

    4. Mkuu anzia nyumbani hiyo business yako kama nyumbani kwenu ni karibu anzia hapo tenga chumba kimoja anza nacho anza hata na wateja wa mtaani kwenu theni ukifanikiwa ndo uchukue room mjini( Hii kitu inatumika sana kwa walami na huitwa home business

    5. Anzia kwa kufanya hii kazi kwa wenzako au maabara zingine then ukifanikiwa kukusanya mtaji wako fungua yako

    6. Tafuta watu wa kufanya nao au ambao mnaweza unganisha nguvu na kufungua
    - Mkuu saazingine tunalia mitaji lakini tunamiliki vitu vya thamani sana na visivyo kuwa na faida yoyote katika maisha, mtu analia mtaji wa milioni 5 huku akimiliki simu ya laki 7
    , sofa za laki 9, kitanda cha laki 4, redio ya laki 8 na vingine vingi.

    Mkuu huo ndo ushauri wangu kwako
     
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