Zomwe muyenera kudziwa zokhudza ndalama zamabizinesi

La ndalama zamabizinesi ndi gawo lazachuma lomwe likukhudzidwa zosowa zachuma zamakampani kuyambira kapena kukula. Cholinga chake ndi kupatsa makampani ndalama zofunikira kuti ayambitse kapena kupitiliza chitukuko chawo, powapatsa njira zothandizira ndalama zomwe zimatengera zosowa zawo komanso mbiri yawo yomwe ali pachiwopsezo.

Pali mitundu yambiri yandalama zamabizinesi, kuyambira pachuma cha equity, ndalama zangongole, capital capital ndi crowdfunding.

Mtundu uliwonse wandalama uli ndi zabwino ndi zovuta zake, ndipo kusankha kwa mtundu wandalama kumadalira zinthu zambiri, monga gawo la chitukuko cha kampaniyo, mtundu wake wachuma, kuthekera kwake kopanga phindu ndikubweza ngongole, ndi zina.

Nkhani yoti muwerenge: Chifukwa chiyani bizinesi yanu ikufunika kutsatsa makanema?

Kuphatikiza apo, ndalama zamabizinesi zimasewera a gawo lofunikira pakukulitsa bizinesi komanso pakukula kwachuma kwa dera.

Imalola makampani kupanga ndikupanga phindu, pomwe akupereka mwayi kwa osunga ndalama kuti atenge nawo gawo pakupanga ma projekiti apamwamba omwe ali ndi kukula kwakukulu.

🔰 Chiyambi cha Entrepreneurial Finance

N'zovuta kupeza ndendende chiyambi cha ndalama zamalonda. Zimachokera kuzinthu zonse zachuma zomwe cholinga chake ndikuthandizira chitukuko cha mabizinesi oyambitsa kapena kukula.

Nkhani yoti muwerenge: Kodi chizindikiro cholembetsedwa ndi chiyani ?

Komabe, zochitika zina zitha kudziwika zomwe zathandizira kuwonekera kwandalama zamabizinesi ngati gawo lazachuma:

• Kupanga ndalama zamabizinesi pakati pa 20^ème m'zaka
• Kuphulika kwa gawo la ukadaulo wazidziwitso kumayambiriro kwazaka 21^ème m'zaka
• Kupanga njira zatsopano zopezera ndalama, ngati crowdfunding

🔰 Theoretical approach to Entrepreneurial Finance

Pali njira zingapo zofotokozera zandalama zamabizinesi. Iliyonse ili ndi njira yakeyake yomvetsetsa komanso kuthana ndi zosowa zachuma za oyambitsa kapena mabizinesi omwe akukula.

Imodzi mwa njira zodziwika kwambiri ndi njira Classic Financial. Njira ina yodziwika bwino ndiyo njira yochokera zothandizira. Palinso njira yochokera maubale.

@Alirezatalischioriginal Njira ya Classic Financial

Yemwe amawona kuti makampani amafunikira ndalama kuti agwire ntchito zokolola zambiri.

Malinga ndi njirayi, makampani ayenera kukulitsa mtengo wawo poika ndalama pama projekiti omwe amabweretsa ndalama zambiri zobweza.

Njirayi ikugogomezera kufunikira kwa kayendetsedwe ka ndalama ndi kupeza njira zopezera ndalama.

@Alirezatalischioriginal Njira Yothandizira

Zomwe zikugogomezera kufunikira kwa kayendetsedwe ka ntchito za anthu ndi luso la kampani pa chitukuko cha ntchito zake.

Nkhani yoti muwerenge: Chifukwa chiyani kutsatsa kuli kofunika masiku ano?

Pansi pa njira iyi, ndalama zimaganiziridwa monga njira yothandizira kukula kwa bizinesi kuwalola kukulitsa luso lawo ndikupeza talente yatsopano.

@Alirezatalischioriginal Njira ya Ubale

Zomwe zimagogomezera kufunikira kwa ubale pakati pa kampaniyo ndi omwe akukhudzidwa nawo (makasitomala, ogulitsa, antchito, osunga ndalama, ndi zina zotero) kuti apititse patsogolo ntchito zake.

Mwanjira iyi, kuthandizira ndalama kuli ngati njira yopangira kapena kulimbikitsa maubwenzi okhalitsa komanso opindulitsa ndi okhudzidwa osiyanasiyana akampani.

Mwachidule, njira iliyonse yongoganizira zandalama zamabizinesi imagogomezera mbali zosiyanasiyana za kasamalidwe kazachuma kamakampani oyambira kapena omwe akukula. Iliyonse ili ndi tanthauzo lake la momwe angathanirane ndi zosowa zachuma zamabizinesi awa.

✅ Kufunika kwa Bizinesi Yachuma masiku ano

Ndalama zamabizinesi ndizofunikira kwambiri pazifukwa zingapo. Mabizinesi oyambira kapena omwe akukula, omwe nthawi zambiri amafunikira ndalama kuti akulitse bizinesi yawo ndikukula.

Iye iwo amakweza ndalama zofunika kuyika ndalama pama projekiti atsopano, kupeza maluso atsopano, kuyambitsa zatsopano kapena matekinoloje, ndi zina.

Ndalama zamabizinesi ndizofunikiranso kumayiko omwe akutukuka kumene. Mu chuma ichi, zoyambira nthawi zambiri zimavutikira kupeza ndalama zachikhalidwe zamabanki chifukwa cha kusowa kwawo kwa chikole komanso mbiri yakale yolipira.

Ikhoza kuwapatsa njira zothetsera ndalama zogwirizana ndi zosowa zawo ndi mbiri ya chiopsezo, motero zimathandizira chitukuko cha bizinesi ndi kukula kwachuma m'deralo.

Kuphatikiza apo, ndalama zamabizinesi zitha kukhala njira yothandizira zatsopano ndikulimbikitsa kupanga mabizinesi atsopano.

Nkhani yoti muwerenge: Kodi mungakhale bwanji wogulitsa pa intaneti?

Zitha kuthandiza makampani opanga zatsopano kupanga zinthu zatsopano kapena matekinoloje omwe angakhale ndi zotsatira zabwino pazachuma komanso anthu.

Mwachidule, ndalama zamabizinesi zimagwira ntchito yofunika kwambiri pakukula kwa mabizinesi komanso kukula kwachuma m'chigawo.

Imalola makampani kupanga ndikupanga phindu, pomwe akupereka mwayi kwa osunga ndalama kuti atenge nawo gawo pakupanga ma projekiti apamwamba omwe ali ndi kukula kwakukulu.

✅ Magwero a Ndalama

Zandalama zamabizinesi ndi njira yomwe imakhudza kupeza ndikugwiritsa ntchito ndalama zolipirira bizinesi yoyambitsa kapena kukula.

Nkhani yoti muwerenge: Zonse zomwe muyenera kudziwa zokhudza Working Capital

Pali njira zingapo zopezera ndalama zamabizinesi, chilichonse chili ndi zabwino zake komanso zovuta zake. Zitsanzo zina za magwero a ndalama ndi izi:

✔ Ngongole zamabanki

Ngongole zamabanki ndizomwe zimapeza ndalama zamabizinesi. Zitha kukhala zazifupi kapena zazitali ndipo nthawi zambiri zimafunikira chikole kuti zitheke.

Chiwongola dzanja ndi chiwongola dzanja chokhudzana ndi ngongole kubanki zitha kusiyanasiyana kutengera ngongole yakampani komanso nthawi yangongole.

✔ Capital Investments

Otsatsa malonda amaika ndalama kukampani kuti agulitse ochepa kapena ambiri pakampaniyo.

Mabizinesi ang'onoang'ono amatha kukhala gwero lofunikira landalama zoyambira kapena mabizinesi omwe akukula mwachangu omwe amafunikira ndalama zopangira malonda kapena ntchito zawo.

✔ Ma subsidies

Thandizo ndi ndalama zoperekedwa ndi maboma kapena mabungwe ena kumakampani omwe amakwaniritsa zofunikira zina (monga zatsopano kapena kukhazikika).

Nthawi zambiri amaperekedwa popanda chiwongola dzanja ndipo safuna chitsimikizo. Komabe, nthawi zambiri amakhala opikisana kwambiri komanso ovuta kuwapeza.

✔ Equity Finance

Ichi ndi mawonekedwe a ambiri ndalama za zoyambira. Equity imapangidwa ndi ndalama zopangidwa ndi omwe adayambitsa kampaniyo komanso osunga ndalama omwe amakhulupirira kuti ingathe chitukuko.

Equity financing ndiyokongola kwambiri kumakampani omwe sanapezebe phindu ndipo alibe mwayi wopeza ngongole zamabanki.

✔ Ngongole ndalama

Iyi ndiye njira yodziwika bwino yopezera ndalama zamabizinesi omwe akukula.

Mabizinesi atha kupeza ngongole kubanki kapena mabungwe ena azachuma, kuti abweze ngongoleyo ndi chikole (mwachitsanzo, polonjeza chuma chabizinesi).

Nkhani yoti muwerenge: Momwe mungasungire ndalama popanda ndalama?

Kulipira ngongole kumakhala kokongola makamaka kwa makampani omwe apanga kale phindu ndipo ali ndi mbiri yabwino yolipira.

✔ Kulipira ndi venture capital

Uwu ndi mtundu wandalama womwe umalola mabizinesi kuchita kukweza ndalama kuchokera kwa osunga ndalama omwe ali okonzeka kutenga zoopsa posinthanitsa ndi mwayi wochita nawo chitukuko cha kampani.

Venture capital ndiyoyenera makamaka makampani opanga omwe amafunikira ndalama kuti apange zinthu zatsopano kapena matekinoloje atsopano.

✔ Kupereka ndalama ndi crowdfunding

Uwu ndi mtundu wandalama womwe umalola mabizinesi kupeza ndalama kuchokera kwa anthu ambiri, chifukwa cha intaneti.

Crowdfunding imalola makampani kudzidziwitsa okha kwa omvera ambiri ndikupeza osunga ndalama omwe amakhulupirira polojekiti yawo.

Ndikofunika kuzindikira kuti mtundu uliwonse wandalama zamalonda uli ndi ubwino ndi zovuta zake, ndipo kusankha mtundu wa ndalama kumadalira zinthu zambiri, monga gawo la chitukuko cha kampani, chitsanzo chake cha bizinesi ndi mphamvu zake.

Dinani apa kuti Dziwani zambiri za crowdfunding

✅ Kutsiliza

Zandalama zamabizinesi ndi gawo lazachuma lomwe limayang'ana pazachuma zomwe zimayambira kapena mabizinesi omwe akukula.

Cholinga chake ndi kupatsa makampani ndalama zofunikira kuti ayambitse kapena kupitiliza chitukuko chawo, powapatsa njira zothandizira ndalama zomwe zimatengera zosowa zawo komanso mbiri yawo yomwe ali pachiwopsezo.

Ndalama zamabizinesi ndizofunikira kwambiri pamabizinesi oyambira kapena omwe akukula, omwe nthawi zambiri amafunikira ndalama kuti akulitse bizinesi yawo ndikukula.

Nkhani yoti muwerenge: Kodi mungapeze bwanji ndalama pomasulira pa intaneti?

Ndikofunikiranso kumayiko omwe akutukuka kumene, komwe oyambitsa nthawi zambiri amavutika kuti apeze ndalama zamabanki.

Pothandizira luso komanso kulimbikitsa kukhazikitsidwa kwa mabizinesi atsopano, ndalama zamabizinesi zitha kuthandizira chitukuko cha bizinesi ndi kukula kwachuma kwa dera.

✅ FAQ : Zomwe muyenera kudziwa zokhudza zachuma zamalonda ❓

Nawa mafunso omwe amafunsidwa pafupipafupi pazachuma chabizinesi:

✔ Kodi ndalama zamabizinesi ndi chiyani?

Zandalama zamabizinesi ndi gawo lazachuma lomwe limayang'ana pazachuma zomwe zimayambira kapena mabizinesi omwe akukula.

Cholinga chake ndi kupatsa makampani ndalama zofunikira kuti ayambitse kapena kupitiliza chitukuko chawo, powapatsa njira zothandizira ndalama zomwe zimatengera zosowa zawo komanso mbiri yawo yomwe ali pachiwopsezo.

✔ Ndani angapindule ndi ndalama zamabizinesi?

Ndalama zamabizinesi ndizoyambira mabizinesi oyambira kapena omwe akukula omwe amafunikira ndalama kuti akulitse bizinesi yawo ndikukula.

Zitha kukhalanso zothandiza kwa makampani otsogola omwe amafunikira ndalama zopangira zinthu zatsopano kapena matekinoloje atsopano komanso omwe sakwaniritsa zosankhidwa za osunga ndalama azikhalidwe.

Nkhani yoti muwerenge: Kodi polojekiti yogulitsa ndalama ndi chiyani ?

Pomaliza, ndalama zamabizinesi zitha kukhala zopindulitsa kumayiko akutukuka, komwe oyambitsa nthawi zambiri amavutika kuti apeze ndalama zamabanki.

Tikukuthokozani chifukwa chokhala ndi chidwi powerenga nkhani yathu komanso momwemonso, chonde tilimbikitseni polemba nkhani zathu posiya ndemanga.

Koma musanachoke apa pali zinsinsi 5 zandalama zamunthu. Ndikukulangizani kuti mugule chikalatachi.

Kubwerera kwanu patsamba lathu kumakhala kolandiridwa nthawi zonse.