Kama Babalao alivyo sema, mtaji sio pesa pekee. Lakini kujibu swali lako la kwanza,
i) Mtaji unaweza kuwa akili yako au kiwango fulani cha pesa cha kukuza au kujenga biashara yako. Pia Mali (asset) can be your mtaji to make your business grow. However, hutaji pesa cash to make your business grow. Unaweza kutumia asset ulizonazo to get an insurance bond and use it for purchasing goods or services katika biashara yako.
ii) Kuanza biashara yeyote lazima mtaji unaitajika aidha uwe wa kifedha au akili yako na mbinu. In most cases your brain can be your capital.
iii) Kama nilivyo elezahapo juu mtaji sio lazima uwe pesa in cash, ila mali ulionayo au akiliyako pia nayo ni mtaji wako. Ila inategemea unataka kufanya biashara ya aina gani.
Kuna aina za mitaji zifuatazo katika biashara;-
a) Human capital: Huu ni ujuzi au kipaji cha mtu mwenyewe.
This is developed by the person to make himself valuable and capable of generating wealth for him self or a company. This differs from labor, which is the ability to perform work, rather than the possession of skills required to perform that work. The ability to work on an assembly line is labor, the training to operate a machine is human capital. Human capital can also be considered "talent."
b) Finacial capital: Pesa zinazo tumika kuigenga au kupanua biashara make it work. That is finacial capital.
c) Intellectual capital: Mtaji kama huu unatumika sana na wasanii. Wimbo ukitoka na ukapata soko kubwa. nani mwenye wimbo hapa. Je ni mwandishi? mwimbaji? au producer?
Mwisho wa siku anaepata pesa zaidi ni mwimbaji au sio jamani?
Therefore in intellectual capital one can use a brand similar to the one (brand) which is already in the market doing well. Mfano AZAM alipo anza kutengeneza unga wa ngano alikamata soko sana. Baadae akaibuka AZANIA,ambalo hili jina kwa haraka unaweza dhania nikampuni moja. Hata wewe ukianza yako unaweza ipa jina la AZAN utauza!!
d) Capital stock: Hapa unatumia kifaa kama machine to keteneza bidhaa fulani za kuuza. Mfano; kama wewe ni mwandishi, machine unayotumia ni computer, typewriter, kalamu na karatasi. These are separate in concept from financial capital or the other types of capital in that their value isn't in the ability to liquidate them into cash, but in their practical use for the creation of your goods.