Momwe mungathandizire projekiti yanu ku Africa?

Kulemba kwa nkhaniyi kumalimbikitsidwa ndi pempho losalekeza la olembetsa angapo a Finance de Demain. M'malo mwake, omalizawa akuti akuvutika kupeza ndalama zothandizira ndalama zawo ma projekiti a ndalama, Zoyambira zawo. Kunena zoona, kupeza ndalama zothandizira ntchito ndi chinthu chofunikira kwambiri kukhazikika kwa polojekitiyi. Finance de demain akubwera lero kudzayankha funso ili: Motani perekani ndalama za polojekiti yanu ku Africa ?

Komabe, sikophweka nthawi zambiri kupeza ndalama kuti mukhazikitse polojekiti yanu. Nthawi zonse, mtundu wa polojekiti ndi ntchito za kampani nthawi zambiri zimasankha kusankha kwandalama.

M'nkhaniyi ndikuwonetsani njira zosiyanasiyana zochitira perekani ndalama zogwirira ntchito zake ku Africa. Koma musanayambe, nayi protocol yomwe imakulolani kuti mupange yanu bizinesi yoyamba pa intaneti.

🌿 Zovuta popereka ndalama zothandizira polojekiti ku Africa

Kulipirira polojekiti yanu yoyika ndalama sizinakhalepo zophweka. Choyipa kwambiri tikapeza kuti tili kumbali yaku Africa komwe mabanki safuna kupereka ndalama ma SME. Kuperewera kwa zitsimikizo zowonetsetsa kuti ngongole ndi chimodzi mwazifukwa zopezera ndalama kubanki ndizovuta ku Africa.

Komabe, pali njira zingapo zatsopano zomwe zimakulolani kuti mupewe zovuta izi. Ena amapeza mwachangu kuposa ena koma amalola ndalama zochepa.

Chifukwa chake ndikofunikira kwambiri kumvetsetsa magawo azandalama ndikusankha njira yoyenera yopezera ndalama kuti musataye nthawi ndikuwonjezera mwayi wanu wopambana. M'pofunikanso kuganizira mfundo yakuti njira zina zopezera ndalama zimatheka pokhapokha bizinesi yanu yafika siteji yapamwamba kale.

🌿 Limbani ntchito yanu yoyika ndalama

Nkhaniyi ikupereka mwayi wosiyanasiyana wopezera ndalama zomwe sizidziwika kwa anthu wamba. Njirazi zimapereka amalonda achichepere omwe sadziwa komwe angapite mwayi watsopano wopezera ndalama zothandizira ntchito zawo.

Ponseponse, nkhaniyi ikufotokoza mipata isanu ndi umodzi yandalama yomwe ikupezeka ku Africa Start-ups: kudzipezera ndalama, Kukonda Ndalama, Mngelo wa Bizinesi, Islamic Financing, Crowdfunding, mpikisano ndi maphunziro.

✔ Kudzipezera ndalama 

Kudzipezera ndalama kumapereka ndalama zothandizira ntchito za kampani popanda kugwiritsa ntchito zinthu zakunja monga kubwereka. THE " Zoyambira Anthu a ku Africa akuyenera kutsindika kwambiri za gwero la ndalama izi zomwe zimawathandiza kukhala odzidalira.

Ngakhale amalonda ena atatchula kusowa kwa ndalamazi poyambitsa ntchito yawo, ziyenera kudziwidwa kuti wochita bizinesi wofuna kukhala wokonzeka tulukani m'malo anu otonthoza kuti ayambe ntchito zofananira kuti apeze ndalama zomwe zidzakhale likulu la Kuyambitsa.

Kuonjezera apo, akhoza kuyitanitsa ogwira nawo ntchito (Co-founders) kuti azipeza ndalama zothandizira polojekiti yake. Ndi funso la chifuniro, bungwe, ndipo koposa zonse zokhumba.

Gwero la ndalamali ndilofunika kwambiri pa gawo loyambitsa Kuyambitsa. Mukakhala ndi lingaliro m'mutu mwanu, muyenera kuyesetsa kuti zichitike mwachangu, ngakhale malonda kapena ntchitoyo isanathe.

Izi zimathandiza kuti lingalirolo liyesedwe mofulumira pamsika ndipo limapewa kutaya nthawi yopanga mankhwala omwe sangagwire ntchito ndi anthu. Ichi ndichifukwa chake, muyenera kukhala okonzeka kudzipezera nokha ndalama.

✔ Kukonda Ndalama ("ndalama za chikondi", mu French)

Chikondi ndalama ndi gwero la ndalama ndi osadziwika kwa anthu onse. Gwero lazachumali limapangitsa kuti zitheke kuthana ndi vuto lamuyaya lazitsimikizo zomwe mabanki wamba amapempha.

 Love Money ndi njira ina yandalama potengera mbiri yakale yoperekedwa ndi mabanki. Zimapangidwa ndi ndalama zimakhudza okondedwa pokhazikitsa kapena kukulitsa bizinesi yake. Kutengapo gawo pazachuma kumeneku ndi kovomerezeka: achibale amakhala ogawana nawo kampani.

Chifukwa chake, ndalama zachikondi zimatchedwanso " the 3 Cs: azisuweni, abwenzi ndi odabwitsa ! Love Money ndi gawo lamalingaliro a "Mgwirizano wa Africa“. Ndiko kunena kuti kudzipereka, kugawana zinthu zina.

Chikondi Money chimagwiritsidwa ntchito makamaka pakukweza ndalama zamakampani popanga, komanso, ngati kuli kofunikira, kugwiritsidwa ntchito pakubweza ndalama pambuyo pa kukhazikitsidwa kwa kampaniyo.

✔ Ndalama zachisilamu

Kaya ndinu Muslim kapena ayi, ndi Ndalama zachisilamu zimatsegula zitseko zake kwa inu. Achinyamata amalonda a ku Africa omwe akufunafuna ndalama zothandizira ntchito zawo angagwiritse ntchito ndalama zachisilamu kuti apindule kwathunthu kapena mbali ina kuchokera ku ndalama za polojekitiyi.

M'malo mwake, ndalama zachisilamu ndi ndalama zomwe zimalimbikitsa kuwonekera kwa bizinesi, chilungamo pakati pa maphwando a mgwirizano, ndi zina zambiri. Mu imodzi mwa nkhani zathu, tinasonyeza kuti ena Mapangano azachuma achisilamu akhoza kupereka ndalama zonse kapena gawo la polojekiti ya bizinesi.

Ndalama zachisilamu zili ndi ubwino wambiri kuposa ndalama zachikhalidwe. Iye kuletsa chidwi ndi zofunika kuti ndalama zimagwirizanitsidwa ndi chuma chenichenicho, komanso njira yake yogawana phindu ndi zotayika ndi amalonda, zimawonjezera bata ku gawo lazachuma.

Ndalama zachisilamu zimathanso kupititsa patsogolo kuphatikizika kwachuma, chifukwa zimaphatikiza anthu omwe, pazifukwa zachikhalidwe kapena zachipembedzo, amachotsedwa pazachuma zachikhalidwe.

Pomaliza, achichepere a Start-upeur atha kupindula ndi ngongole zabwino kuchokera kumabanki achisilamu. Popeza mabanki wamba samapereka ngongole popanda zitsimikiziro komanso pamitengo yachiwongola dzanja yomwe nthawi zambiri imakhala yosasunthika poyambira, gwero la ndalamali ndi mwayi wogwidwa.

Yankho ili ndiloyenera kwambiri kwa iwo omwe ali ndi malingaliro anzeru koma alibe ndalama.

✔ Kugwiritsa ntchito mngelo wa bizinesi

M'zaka zaposachedwa, tawona kukula kwamakampani amabizinesi kapena Business Angels. The Angelo Amalonda amakonda kwambiri zamalonda omwe amayika ndalama zawo m'makampani achichepere omwe ali ndi malingaliro anzeru.

Anthuwa, paokha, atha kulipirira projekiti mu gawo lililonse la zochitika zomwe ali nazo mgwirizano ndi bizinesi. Ndikokwanira kwa iye kukhala ndi malingaliro abwino a polojekiti komanso kuti polojekitiyo ndi yopindulitsa.

Anthu awa omwe akufunafuna mabizinesi osangalatsa atha kukuthandizani kulipira bizinesi yanu. Kuphatikiza pakupeza ndalama zoyambira, angelo amalonda amakulangizani momwe mungayendetsere polojekiti yanu.

Chifukwa cha kuyankha kwawo komanso chiwopsezo chawo chochepa, Business Angels ndi osewera ofunikira popereka ndalama zoyamba zamakampani achichepere omwe ali ndi kuthekera kwakukulu.

Ndiwo okhawo omwe angathe kutenga udindo umenewu pamlingo waukulu. Nthawi zambiri, amapindula ndi magawo pakampani yanu. Kafukufuku wa pa intaneti amakulolani kuti muwonetse pulojekiti yanu kwa Business Angel.

✔ Crowdfunding

Crowdfunding ndi liwu lachingerezi lotanthauza " crowdfunding ". Izi zikutanthauza kuti anthu ambiri amabwera kudzatenga nawo mbali pazachuma komanso zachuma pantchitoyi. Izi zimachitika makamaka kudzera pa intaneti.

Crowdfunding imakulolani kuterokulumikizana ndi opereka ndalama amene amachita ngati wopereka chithandizo kapena ngati wamalonda. Kuchokera ku Africa, (04) pali nsanja zinayi zopezera ndalama mabizinesi anu achichepere.

Afrikity imapereka ntchito yopezera ndalama kudzera pa crowdfunding. Monga tafotokozera pamwambapa, njira iyi imalola anthu kuyika ndalama mu likulu la zoyambira ndi ma SME. Tsambali limaperekanso ntchito zonse zokhudzana ndi kayendetsedwe ka kayendetsedwe kake ndi malamulo a ntchito zanu.

FADEV imathandizira amalonda ku Africa omwe amagwiritsa ntchito mfundo zachuma komanso mgwirizano. Ndizotheka kupeza ndalama zabizinesi yanu. Ntchitoyi iyenera zikhazikike kale kuti athe kulandira ndalamazo.

Jamafunding ndi tsamba lothandizira anthu ambiri kuposa ena. Kuphatikiza pa ndalama, muthanso kupereka nthawi yanu pochita nawo ntchito zongodzipereka zomwe zimapezeka patsamba linalake.

Chithunzi cha FIATOPE ndi nsanja yopezera anthu ambiri popereka, odzipereka kuma projekiti amalonda ku Africa.

Magawo omwe Fiatope amafunikira kwambiri ndi awa: maphunziro apamwamba, zamankhwala, chilengedwe, mphamvu zongowonjezedwanso, ulimi, ukadaulo ndi chikhalidwe.

✔ Mpikisano ndi maphunziro

Ma incubators oyambira ku Africa akuchulukitsa mgwirizano ndi makampani omwe akuwapatsa thandizo la mbewu. Izi ndi nkhani ya CTIC ku Dakar, yomwe idakhazikitsa pulogalamu ya BuntuTeki mchaka cha 2015 mogwirizana ndi kampani yamafoni ya Tigo.

Cholinga cha mgwirizanowu ndikuthandizira ntchito pafupifupi khumi pachaka ku Senegal. Wamalonda wachinyamatayo ayenera nthawi ndi nthawi kupita pa intaneti kukasaka mipikisano ndi maphunziro omwe amapezeka m'munda mwake.

✔️ Grants

Thandizo ndi ndalama zomwe zimaperekedwa ndi boma kapena mabungwe apadera kuti agwire ntchito zinazake. Nthawi zambiri amaperekedwa kumapulojekiti omwe ali ndi zotsatira zabwino pazachikhalidwe kapena zachilengedwe.

Thandizo nthawi zambiri limakhala ndi mpikisano wocheperako poyerekeza ndi mitundu ina yandalama ndipo safuna kubweza.

✔️Ngongole yamunthu

Ngongole zaumwini ndi njira yosinthika komanso yothandiza yopezera ndalama zama projekiti okhala ndi bajeti yolimba. Nthawi zambiri zimakhala zosavuta kupeza kuposa ngongole yakubanki ndipo sizifuna chikole.

Komabe, chiwongola dzanja akhoza kukhala apamwamba kuposa njira zina zandalama.

✔️ Kubwereketsa

kubwereketsa, yemwenso amadziwika kuti kubwereketsa, ndi njira yandalama yomwe imalola kampani kapena munthu kubwereketsa katundu, nthawi zambiri zida kapena galimoto, kwa nthawi inayake. Leasing imapereka mwayi wogwiritsa ntchito malowo popanda kugula mwachindunji.

Mu mgwirizano wa lease, wobwereketsa (kawirikawiri kampani yobwereketsa) amagula chinthu chomwe akufuna ndikubwereketsa kwa wobwereketsa (kampani kapena munthu) kuti abweze malipiro anthawi zonse pa nthawi yomwe mwagwirizana. Pamapeto pa mgwirizano wobwereketsa, wobwereketsa amatha kusankha kugula katunduyo pamtengo womwe wagwirizana, kubweza kwa wobwereketsa kapena kukonzanso mgwirizanowo.

Kubwereketsa kuli ndi zabwino zingapo. Zimakuthandizani kuti mukhalebe ndi mwayi wobwereka pazosowa zina, chifukwa katunduyo sanagulidwe mwachindunji. Zimaperekanso kusinthasintha malinga ndi nthawi yobwereka komanso kuthekera kwa kukweza kwa hardware.

Kuonjezera apo, malipiro a lenti akhoza kuchotsedwa msonkho nthawi zina. Phunzirani pang'ono za kubwereketsa ndalama.

🌿 Njira zopezera ndalama zogwirira ntchito pa bajeti yolimba

Pulojekiti yokhala ndi bajeti yolimba ndi ntchito yomwe ili ndi ndalama zochepa kuti ikwaniritse. Izo zikutanthauza kuti ndalama zomwe zilipo pa ntchitoyi ndi zochepa, zomwe zingapangitse kuti zikhale zovuta kukwaniritsa malingaliro ena ndi kukwaniritsa zolinga zomwe zakhazikitsidwa.

Ma projekiti okhala ndi bajeti zolimba nthawi zambiri amalumikizidwa ndi zoyambira, ntchito zaluso, ma projekiti ochezera, ndi zina zofananira.

Muzochitika izi, amalonda kapena anthu opanga nthawi zambiri amakhala kukakamizidwa kupeza njira zatsopano kuti awonjezere ndalama zawo ndikugwira ntchito yawo ndi zinthu zochepa momwe angathere. Mukamagwira ntchito yocheperako, ndikofunikira kuti muwonjezere ndalama zanu kuti mukwaniritse zolinga zanu osapitilira ndalama zanu.

Nazi njira zina zomwe mungaganizire kuti muwonjezere ndalama za polojekiti yanu:

✔️Unikani mtengo wa polojekiti yanu

Kupereka ndalama zothandizira ntchito pa bajeti yolimba kungakhale kovuta kwambiri, koma kungapangitsenso kuti mukhale ndi luso komanso luntha pomaliza ntchitoyo.

Musanayambe kufunafuna ndalama, ndikofunikira fufuzani chuma cha polojekiti yanu. Izi zikuphatikizapo kudziwa ndalama zonse za polojekitiyi ndikuwonetsetsa kuti muli ndi ndondomeko yolimba yopezera ndalama kapena phindu polojekiti ikatha.

Chinthu choyamba kuti muwonjezere ndalama zanu ndi kuti muwone mtengo wa polojekiti yanu ndendende.

Ganizirani zonse zomwe zingatheke, kuphatikizapo mtengo wazinthu, antchito, kubwereketsa zipangizo, ndi malonda. Onetsetsani kuti mukuganizira za ndalama zosayembekezereka zomwe zingabwere panthawi yokonza polojekiti yanu.

✔️ Khazikitsani ndondomeko yoyendetsera ndalama

Pogwiritsa ntchito ndalama zomwe zawunikiridwa, khazikitsani dongosolo lazachuma lomwe limaganizira njira zonse zopezera ndalama.

Ganizirani za ngongole, zopereka, osunga ndalama, zopereka, maphunziro, ndi njira zina zopezera ndalama kuti mudziwe momwe mungakulitsire ndalama zanu.

✔️Fufuzani zopereka ndi maphunziro

Thandizo ndi maphunziro a maphunziro ndi magwero otchuka a ndalama zamapulojekiti omwe ali ndi bajeti yolimba. Fufuzani za zopereka ndi maphunziro omwe alipo pa polojekiti yanu ndikuwonetsetsa kuti mukukwaniritsa zofunikira zonse musanapereke fomu.

✔️ Onani njira zangongole

Ngati mukufuna ndalama zowonjezera pulojekiti yanu, lingalirani zopeza njira zangongole. Ngongole zitha kukhala gwero labwino landalama, koma onetsetsani kuti mwamvetsetsa zomwe zikuyenera kuchitika musanasaine mgwirizano.

✔️ Pangani mgwirizano

Kugwira ntchito ndi mabwenzi kungakhale njira yabwino yopezera ndalama zothandizira polojekiti yanu. Fufuzani abwenzi omwe angapereke ndalama, ukatswiri kapena zothandizira pulojekiti yanu.

Mayanjano angathandize kugawana zoopsa ndi mtengo, zomwe zingakhale zopindulitsa pama projekiti ochepa a bajeti.

✔️ Gwiritsani ntchito malo ochezera a pa Intaneti

Malo ochezera a pa Intaneti ndi nsanja yamphamvu yotsatsa yomwe imalimbikitsa pulojekiti yanu ndikukopa chidwi cha omwe angayike ndalama komanso opereka ndalama.

Pangani kupezeka pa intaneti pulojekiti yanu pogwiritsa ntchito ma hashtag oyenerera ndikugawana zosintha pafupipafupi za momwe mukupitira patsogolo kuti mupange chidwi ndikukopa osunga ndalama.

✔️Khalani anzeru ndi magwero anu azandalama

Khalani anzeru ndi kulingalira kunja kwa bokosi kuti muwonjezere ndalama zanu. Ganizirani njira zina zopezera ndalama monga kuchulukitsa ndalama kapena microcredit kuti mupeze ndalama zofunika.

Kutsiliza

Pomaliza, kupereka ndalama zothandizira polojekiti yanu ku Africa kungakhale kovuta, koma kulipo njira zingapo kufufuza. Choyamba, mutha kusaka omwe ali ndi chidwi ndi polojekiti yanu. Konzani dongosolo lolimba la bizinesi ndikuwunikira phindu ndi phindu la polojekiti yanu kuti mukope chidwi chawo.

Kenako the venture capital fund ndi kuthekera kwina. Otsatsa mwapaderawa amathandizira oyambitsa ndi mapulojekiti omwe ali ndi kuthekera kwakukulu. Sakanizani kuti mupeze ndalama zogwirira ntchito ku Africa ndikutumiza projekiti yanu kuti iwunikenso.

Ndalama zoperekedwa ndi boma zitha kukhalanso gwero la ndalama. Dziwani za mapulogalamu a thandizo ndi zolimbikitsira zoperekedwa ndi maboma am'deralo kapena mayiko. Ngati polojekiti yanu ili ndi gawo la chikhalidwe cha anthu kapena chilengedwe, ikhoza kukhala yoyenerera kulandira thandizoli.

Mapulatifomu opangira anthu ambiri pa intaneti angakhalenso njira yosangalatsa. Pangani kampeni yochititsa chidwi ndikugwiritsa ntchito malo ochezera a pa Intaneti kuti mukweze polojekiti yanu kwa anthu ambiri. Crowdfunding ikhoza kukuthandizani kukweza ndalama mwachangu ndikupeza chithandizo chamagulu.

FAQ - Kuthandizira ntchito yanu ku Africa

Q: Ndi njira ziti zopezera ndalama zomwe zimapezeka kwa amalonda ku Africa?

Yankho: Njira zopezera ndalama kwa amalonda ku Africa zimaphatikizapo osunga ndalama, ndalama zamabizinesi, ndalama za boma, ngongole zochokera ku mabungwe azachuma, nsanja zopezera ndalama zambiri komanso mgwirizano ndi mabizinesi ena.

Q: Kodi ndingakope bwanji chidwi ndi osunga ndalama pa projekiti yanga ku Africa?

Yankho: Kuti mukope chidwi cha osunga ndalama, konzani dongosolo lolimba la bizinesi lomwe likuwonetsa phindu ndi phindu la polojekiti yanu. Khalani okonzeka kuwonetsa polojekiti yanu motsimikizika ndikuyankha mafunso kuchokera kwa osunga ndalama.

Q: Ndi njira ziti zopezera thandizo la boma ku Africa?

A: Njira zopezera thandizo la boma zimasiyana malinga ndi dziko komanso mapulogalamu enaake. Nthawi zambiri, mapulojekiti omwe ali ndi chikhalidwe cha anthu kapena chilengedwe amakhala oyenerera. Ndikofunika kuphunzira za mapulogalamu omwe alipo komanso kutsatira malangizo enaake.

Q: Kodi ndingawonjezere bwanji mwayi wanga wopeza ngongole ku bungwe lazachuma ku Africa?

Yankho: Kuti muwonjezere mwayi wanu wopeza ngongole ku bungwe lazachuma, konzani fayilo yolimba kuphatikiza ndondomeko yatsatanetsatane yabizinesi, kusanthula zachuma ndi njira yobweza bwino. Onetsani kuti mumayendetsa bwino ndalama komanso kuti polojekiti yanu ndi yotheka.

Q: Kodi kuchuluka kwa anthu pa intaneti kumagwira ntchito bwanji ku Africa?

A: Kuchulukitsa kwa anthu pa intaneti ku Africa kumagwira ntchito pamapulatifomu apadera pomwe mutha kupanga kampeni yopezera ndalama kuchokera kwa anthu ambiri. Mumagawana pulojekiti yanu, khalani ndi cholinga chopezera ndalama ndipo anthu achidwi atha kupereka nawo ndalama.

Q: Kodi ndingapeze bwanji ogwirizana nawo polojekiti yanga ku Africa?

Yankho: Kuti mupeze othandizana nawo pulojekiti yanu ku Africa, yang'anani makampani kapena mabungwe omwe ali ndi zolinga ndi zomwe mumayendera. Pitani ku zochitika, malo ochezera a akatswiri ndikugwiritsa ntchito malo ochezera a pa Intaneti kuti mulumikizane. Onetsani pulojekiti yanu ndikuwona zomwe mungagwirizane nazo.

Koma musanachoke, nayi maphunziro apamwamba omwe amakudziwitsani kwa nonse ntchito zamkati zamalonda ogwirizana.

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