Nzira yekubhadhara sei chirongwa chako muAfrica?

Kunyorwa kwechinyorwa ichi kunokurudzirwa nechikumbiro chisingaperi chevanoverengeka vanyoreri ve Finance de Demain. Kutaura zvazviri, vekupedzisira vanoti vane dambudziko rekutsvaga mari yekuti vawane mari yavo mapurojekiti ekudyara, Matangiro avo. Muchokwadi, kuwana mari yekutsigira chirongwa chinhu chakakosha kune kuenderera mberi kwechirongwa. Finance de demain inouya nhasi kuzopindura mubvunzo unotevera: Sei tsigira chirongwa chako muAfrica ?

Nekudaro, hazviwanzo nyore kuwana mari yekumisikidza purojekiti yako. Muzviitiko zvese, chimiro cheprojekiti uye chiitiko chekambani chinowanzo sarudza sarudzo yemari.

Muchikamu chino ini ndichakuratidza nzira dzakasiyana dzekuita kupa mari chirongwa chayo chekudyara muAfrica. Asi usati watanga, heino protocol inobvumidza iwe kuvaka yako bhizinesi rekutanga reinternet.

🌿 Matambudziko ekupa mari chirongwa muAfrica

Kubhadhara purojekiti yako yekudyara hazvina kumbova nyore. Zvakatonyanya kuipa kana tazviwana tiri kudivi reAfrica uko mabhanga ari kuzeza kupa mari maSME. Kushaikwa kwezvivimbiso zvekuvimbisa chikwereti ndicho chimwe chezvikonzero nei kupa mari kubhengi kwakaoma muAfrica.

Nekudaro, kune dzinoverengeka mhinduro nyowani dzinokutendera iwe kunzvenga aya matambudziko. Vamwe vanokurumidza kuwana pane vamwe asi vanobvumira mari shoma.

Saka zvinonyanya kukosha kuti unzwisise matanho emari uye kusarudza kwakaringana sosi yemari kuitira kuti usatambise nguva uye uwedzere mikana yako yekubudirira. Izvo zvinodiwawo kufunga nezve chokwadi chekuti mamwe masosi emari anokwanisika chete kana bhizinesi rako rasvika nhanho yatova yepamusoro.

🌿 Mari purojekiti yako yekudyara

Chinyorwa ichi chinopa nzira dzakasiyana dzekupa mari mapurojekiti ayo asingazivikanwe zvakanyanya kune veruzhinji. Aya matekiniki anopa vechidiki mabhizinesi vasingazive kwekuenda mikana mitsva yekupa mari mapurojekiti avo.

Pakazara, chinyorwa ichi chinotsanangura mikana mitanhatu yemari inowanikwa kuAfrica Start-ups: kuzviitira mari, Ida Mari, Bhizinesi Ngirozi, Islamic Financing, Crowdfunding, makwikwi uye kudzidza.

✔️ Kuzviitira mari 

Kuzvitsvagira mari kunoratidza kupihwa mari kwemapurojekiti ekambani pasina kushandisa zviwanikwa zvekunze zvakaita sekukwereta. THE " Kutanga-ups MaAfrica anofanirwa kuisa simbiso chaiyo pane iyi tsime remari izvo zvinoita kuti vakwanise kuzviriritira.

Kunyangwe vamwe vanamuzvinabhizinesi vakataura kushomeka kwemari idzi pavanenge vachitanga chirongwa chavo, zvinofanirwa kucherechedzwa kuti muzvinabhizimusi aneshuviro angave akagadzirira buda munzvimbo yako yekunyaradza kutanga kuita zviitiko zvakafanana kuitira kuti uwane mari inozove iyo capital yeKutanga-up.

Mukuwedzera, anogona kudana kune vanobatana (Co-founders) kuti vazviwanire mari yeprojekti yake. Inyaya yekuda, kuronga uye pamusoro pezvose vavariro.

Iyi sosi yemari inonyanya kukosha muchikamu chekutanga cheKutanga-up. Paunenge uine pfungwa mumusoro wako, unofanirwa kuedza kuita kuti zviitike nekukurumidza, kunyange kana chigadzirwa kana sevhisi isati yapedzwa.

Izvi zvinobvumira pfungwa kuti iedzwe nekukurumidza mumusika uye inodzivirira kutambisa nguva kugadzira chigadzirwa chinogona kusashanda nevanhu. Ndokusaka, unofanira kunge wakagadzirira kuzviitira mari.

✔️ Ida Mari ("mari yerudo", muchiFrench)

Rudo mari itsime remari hazvizivikanwe neruzhinji. Iri tsime remari rinoita kuti zvikwanise kunzvenga dambudziko risingaperi rezvivimbiso zvakakumbirwa nemabhangi akajairwa.

 Rudo Mari ndiyo imwe nzira yemari kune yechinyakare kiredhiti inopihwa nemabhangi. Zvinosanganisira mune zvemari zvinosanganisira vadiwa mukugadzwa kana kusimudzira bhizinesi rake. Kubatanidzwa mune zvemari uku kwakarongeka: hama dzinova vagoveri vekambani.

Saka, mari yerudo inonziwo " the 3 Cs: vakoma, shamwari uye weirdos ! Rudo Mari chikamu chepfungwa dze "African solidarity“. Kureva kuti altruism, kugoverana kwehumwe hutsika.

Rudo Mari inonyanya kushandiswa mumamiriro ekumisikidza capital share yekambani mukugadzira, asi inogona zvakare, kana zvichidikanwa, kushandiswa mumamiriro ekugadzirisa mushure mekutangwa kwekambani.

✔️ Islamic mari

Kunyangwe iwe uri muMuslim kana kwete, iyo Mari yechiIslam inokuvhurira mikova yayo. Vechidiki vemabhizinesi emuAfrica vari kutsvaga mari yekutsigira mapurojekiti avo vanogona kushandisa mari yechiIslam kuitira kuti vabatsirwe zvizere kana muchikamu kubva mukupihwa mari kwechirongwa ichi.

Muchokwadi, mari yechiIslam imari inotsigira pachena mubhizinesi, kururamisira pakati pemapato echibvumirano, nezvimwe. Mune chimwe chezvinyorwa zvedu, takaratidza kuti zvimwe Zvibvumirano zvezvemari zvechiIslam inogona kupa mari yese kana chikamu chepurojekiti yemuzvinabhizimusi.

Mari yechiIslam ine mabhenefiti akakosha pane echinyakare zvigadzirwa zvemari. Her kurambidzwa kwemhindu uye zvinodiwa kuti mari inobatanidzwa nehupfumi chaihwo, pamwe nemaitiro ayo ekugovana purofiti uye kurasikirwa nevashambadziri, inowedzera kugadzikana kune chikamu chemari.

Mari yechiIslam inogonawo kuvandudza kubatanidzwa kwemari, sezvo ichibatanidza vanhu avo, nekuda kwezvikonzero zvetsika kana zvechitendero, vanobviswa muhurongwa hwemari hwechinyakare.

Chekupedzisira, mudiki Start-upeur anogona kubatsirwa nezvikwereti zvine mutsa kubva kumabhanga echiIslam. Sezvo mabhengi akajairwa asingape zvikwereti pasina zvitsigiso uye pamitengo yemubereko iyo inowanzo tsungirirwa kuKutanga-up, iyi sosi yemari ndiyo mukana wekubata.

Mhinduro iyi yakanyatsokodzera kune avo vane mazano matsva asi vasina mari.

✔️ Kushandisa ngirozi yebhizimisi

Mumakore achangopfuura, takaona kuvandudzwa kwemakambani makuru emakambani kana Bhizinesi Ngirozi. The Bhizimisi Ngirozi vane shungu nezve bhizinesi rekuita vanodyara mari yavo mumakambani madiki ane hunyanzvi pfungwa.

Vanhu ava, vakazvimiririra, vanogona kupa mari chirongwa mune chero chikamu chechiitiko chavanopihwa hukama nemugadziri. Zvakakwana kwaari kuti ave nemafungiro akanaka epurojekiti uye kuti chirongwa chinogona kuita pundutso.

Ava vanhu vari kutsvaga mari inonakidza vanogona kukubatsira iwe mari bhizinesi rako. Pamusoro pekupa mari yekutanga-up, ngirozi dzebhizinesi dzinokupa zano pamusoro pekugadzirisa chirongwa chako.

Kutenda nekuda kwekupindura kwavo uye kushomeka kwavo kwengozi, Bhizinesi Ngirozi vatambi vakakosha mukutanga mari yemakambani madiki ane hukuru hwekukura.

Ndivo chete vanokwanisa kutora basa iri pamwero mukuru. Kazhinji, ivo vanobatsirwa nemasheya mukambani yako. Tsvagiridzo yepaInternet inokutendera kuti uratidze chirongwa chako kune Bhizinesi Ngirozi.

✔️ Crowdfunding

Crowdfunding izwi rechirungu rinoreva " kuunganidza mari ". Izvi zvinoreva kuti nhamba huru yevanhu vanounzwa kuti vatore chikamu mune zvemari uye mune zvehupfumi muchirongwa. Iyi tsika inonyanya kuitwa kuburikidza neinternet.

Crowdfunding inokubvumira kuti uitesangana nevanopa mari vanoita kunge philanthropist kana semutengesi. Kubva kuAfrica, (04) mapuratifomu mana aripo ekubhadhara mabhizinesi ako madiki.

Afrikity inopa basa rekusimudzira mari kuburikidza necrowdfunding. Sezvaratidzwa pamusoro, nzira iyi inobvumira veruzhinji kuisa mari mudhorobha rekutanga uye maSME. Iyo saiti inopawo sevhisi yakakwana yakatenderedza manejimendi uye zvemutemo zvemapurojekiti ako.

FADEV inotsigira mabhizinesi muAfrica vanoshandisa hunhu hwehupfumi hwemagariro uye hwakabatana. Zvinokwanisika kuwana mari yebhizinesi rako. Iyo purojekiti inofanirwa kutosimbiswa kare kuti akwanise kuwana mari.

Jamaafunding is a crowdfunding saiti senge pasina imwe. Pamusoro pemari, iwe unogona zvakare kupa nguva yako nekutora chikamu mune-saiti mabasa ekuzvipira anowanikwa pane mamwe mapurojekiti.

FIATOPE inzvimbo yekubatsira vanhu vazhinji nemupiro, yakatsaurirwa kumapurojekiti emabhizinesi akananga kuAfrica.

Nzvimbo dzekutanga dzeFiatope dzekuita ndeidzi: dzidzo yepamusoro, mushonga, nharaunda, simba rinogoneka, kurima, tekinoroji uye tsika.

✔️ Makwikwi uye mabhezari

Matairi ekutanga muAfrica ari kuwanza kudyidzana nemakambani ari kuvapa mari yembeu. Iyi ndiyo nyaya yeCTIC muDakar, iyo yakatanga chirongwa cheBuntuTeki muna 2015 ichibatsirana nekambani yenhare Tigo.

Chinangwa chemubatanidzwa uyu ndechekutsigira zvirongwa gumi pagore muSenegal. Wechidiki muzvinabhizimusi anofanira saka nguva nenguva achienda painternet kuti atsvage makwikwi uye mabhezari anowanikwa mumunda wake.

✔️ Grants

Rubatsiro imari inopihwa nehurumende kana masangano akazvimirira kuita mapurojekiti chaiwo. Iwo anowanzo kupihwa kumapurojekiti ane zvakanaka magariro kana nharaunda.

Magrants anowanzo makwikwi mashoma pane mamwe marudzi emari uye haadi kubhadharwa.

✔️Chikwereti chako pachako

Zvikwereti zvemunhu inzira inoshanduka uye inoshanda yekupa mari kumapurojekiti ane bhajeti rakasimba. Kazhinji zviri nyore kuwana pane chikwereti chebhangi uye hazvidi rubatso.

Zvisinei, the mubereko inogona kuva yakakwirira kudarika mamwe marudzi emari.

✔️ Leasing

kurenda, inozivikanwawo se kukodha, inzira yekubhadhara mari inobvumira bhizinesi kana munhu kurenda asset, kazhinji midziyo kana mota, kwenguva yakati. Leasing inopa mukana wekushandisa iyo chivakwa pasina kuitenga zvakananga.

Muchibvumirano chekurenda, mubhadharisi (kazhinji kambani yekurenda) anotenga midziyo yaanoda oirenda kumurendi (kambani kana munhu) semubhadharo wenguva dzose panguva yakabvumiranwa. Pakupera kwekondirakiti yekurenda, muridzi wemba anogona kazhinji kusarudza kutenga asset nemutengo wakabvumiranwa, oidzosera kumubhadharisi kana kuvandudza kontrakiti.

Leasing ine zvakawanda zvakanaka. Inokubvumira kuchengetedza kukwanisa kukwereta kune zvimwe zvinodiwa, nokuti nzvimbo yacho haina kutengwa zvakananga. Inopawo kuchinjika maererano nekurenda kwenguva uye mukana wekukwidziridzwa kwehardware.

Pamusoro pezvo, mari yekurenda inogona kubviswa mutero mune zvimwe zviitiko. Dzidza zvishoma nezve Leasing financing.

🌿 Matanho ekupa mari purojekiti pane yakasimba bhajeti

Purojekiti ine bhajeti yakasimba ipurojekiti ine mari shoma yekuzadzisa kwayo. Zvinoreva kuti mari iripo yeprojekiti ishoma, izvo zvingaita kuti zviome kushandisa mamwe mazano uye kuzadzisa zvinangwa zvakarongwa.

Mapurojekiti ane mabhajeti akaomarara anowanzo kubatanidzwa nekutanga, mapurojekiti ehunyanzvi, mapurojekiti emagariro, uye zvimwe zvakafanana zvirongwa.

Muzviitiko izvi, mabhizinesi kana vanhu vanogadzira vanowanzo kumanikidzwa kutsvaga nzira itsva kuwedzera mari yavo uye kuita purojekiti yavo nezviwanikwa zvishoma sezvinobvira. Paunenge uchishanda pane yakaomesesa bhajeti chirongwa, zvakakosha kuti uwedzere mari yako kuitira kuti iwe ugone kuzadzisa zvinangwa zvako usingapfuure nzira dzako dzemari.

Heano mamwe mazano ekufunga kuti uwedzere mari yeprojekti yako:

✔️Ongorora mutengo wepurojekiti yako

Kupa mari purojekiti pabhajeti rakaomesesa kunogona kuve dambudziko chairo, asi zvinogona zvakare kutungamira kune hukuru hwekusika uye huchenjeri mukupedza chirongwa.

Usati watsvaga mari, zvakakosha ongorora kugona kwemari kwepurojekiti yako. Izvi zvinosanganisira kuona mutengo wakazara wepurojekiti uye kuve nechokwadi chekuti une hurongwa hwakasimba hwekuita mari kana purofiti kana chirongwa chapera.

Nhanho yekutanga yekuwedzera mari yako ndeye kuongorora mutengo wepurojekiti yako chaizvo.

Funga nezvese mari inokwanisika, kusanganisira mutengo wezvinhu, vashandi, rendi yemidziyo, uye kushambadzira. Iva nechokwadi chekutarisa mari isingatarisirwe inogona kumuka panguva yekuvandudzwa kweprojekiti yako.

✔️ Gadzira chirongwa chechokwadi chemari

Uchishandisa mari yakaongororwa, gadza chirongwa chechokwadi chemari chinotarisa zvese zvingangove zvakaita mari.

Funga nezvezvikwereti, ma grants, investimendi, mipiro, dzidziso, uye dzimwe sarudzo dzemari kuti uone kuti ungawedzera sei mari yako.

✔️Tsvaga zvipo uye kudzidza

Grants uye scholarships ndiwo akakurumbira masosi emari yemapurojekiti akasimba-bhajeti. Tsvagurudza iyo mibairo uye mabhezari anowanikwa epurojekiti yako uye ona kuti unosangana nemaitiro ese ekufanirwa usati waendesa chikumbiro.

✔️Ongorora sarudzo dzechikwereti

Kana iwe uchida imwe mari yepurojekiti yako, funga kuongorora sarudzo dzechikwereti. Zvikwereti zvinogona kuve sosi inoshanda yemari, asi ita shuwa kuti unonzwisisa zvirevo uye mamiriro usati wasaina chibvumirano.

✔️Vaka kudyidzana

Kushanda nevabatsiri kunogona kuve nzira inoshanda yekuwedzera mari yako yeprojekiti. Tsvaga vanobatana vanogona kupa mari, hunyanzvi kana zviwanikwa zvepurojekiti yako.

Kudyidzana kunogona kubatsira kugovana njodzi uye mari, izvo zvinogona kubatsira kune yakasimba bhajeti mapurojekiti.

✔️Shandisa social media

Social media ipuratifomu ine simba yekushambadzira yekusimudzira purojekiti yako uye kukwezva kutarisisa kwevanogona kuita mari uye vanopa.

Gadzira kuvepo kwepamhepo yepurojekiti yako nekushandisa ma hashtag akakodzera uye kugara uchigovana zvigadziriso pakufambira mberi kwako kuunza kufarira uye kukwezva vanoisa mari.

✔️Iva nekugadzira nemari yako masosi

Iva nekugadzira uye funga kunze kwebhokisi kuti uwedzere mari yako. Funga nezvedzimwe nzira dzekupa mari senge crowdfunding kana microcredit kuti uwane mari inodiwa.

mhedziso

Mukupedzisa, kupa mari chirongwa chako muAfrica chinogona kunetsa, asi chiripo nzira dzakawanda dzekuongorora. Kutanga, iwe unogona kutsvaga kune vanoisa mari vanofarira purojekiti yako. Gadzirira hurongwa hwakasimba hwebhizinesi uye simbisa mabhenefiti uye pundutso mukana wepurojekiti yako kukwezva kutarisa kwavo.

Zvadaro the venture capital funds zvimwe zvingangoitika. Aya vatengesi vane hunyanzvi vanotsigira kutanga uye mapurojekiti ane hukuru hwekukura. Ita tsvagiridzo yekuwana inoshanda venture capital mari muAfrica uye utumire purojekiti yako kuti iongororwe.

Rubatsiro rwehurumende runogonawo kuunza mari. Ziva nezvezvirongwa zverubatsiro uye zvekukurudzira zvinopihwa nehurumende dzemuno kana dzenyika. Kana purojekiti yako iine nharaunda kana yezvakatipoteredza dimension, inogona kukodzera kuwana iyi mibairo.

Online crowdfunding mapuratifomu anogona zvakare kuve inonakidza sarudzo. Gadzira mushandirapamwe unobata uye shandisa social media kusimudzira chirongwa chako kune vakawanda vateereri. Crowdfunding inogona kukubatsira kukwidza mari nekukurumidza uye kuwana rutsigiro munharaunda.

FAQ - Kutsigira chirongwa chako muAfrica

Mubvunzo: Ndedzipi sarudzo dzemari dziripo kune vemabhizinesi muAfrica?

A: Sarudzo dzekupa mari kune vezvemabhizinesi muAfrica dzinosanganisira vanoisa mari, venture capital fund, mari yehurumende, zvikwereti kubva kumasangano ezvemari, mapuratifomu ekuunganidza mari uye kudyidzana nemamwe mabhizinesi.

Mubvunzo: Ndingakwezva sei kutarisa kwevanoisa mari pachirongwa changu muAfrica?

A: Kukwezva kutarisisa kwevanoisa mari, gadzirira hurongwa hwakasimba hwebhizinesi hunoratidza mabhenefiti uye pundutso mukana wepurojekiti yako. Iva wakagadzirira kuratidza chirongwa chako zvinogutsa uye kupindura mibvunzo kubva kune vanoisa mari.

Mubvunzo: Ndedzipi nzira dzekuwana rubatsiro rwehurumende muAfrica?

A: Maitiro ekuwana rubatsiro rwehurumende anosiyana nenyika uye nemapurogiramu chaiwo. Kazhinji, mapurojekiti ane nharaunda kana yezvakatipoteredza angangove akakodzera. Zvakakosha kudzidza pamusoro pezvirongwa zverubatsiro zviripo uye kutevedzera nhungamiro chaiyo.

Mubvunzo: Ndingawedzera sei mikana yangu yekuwana chikwereti kubva kusangano rezvemari muAfrica?

A: Kuti uwedzere mikana yako yekuwana chikwereti kubva kusangano rezvemari, gadzirira faira rakasimba rinosanganisira hurongwa hwebhizinesi hwakadzama, kuongororwa kwemari uye nzira yekubhadhara yakajeka. Ratidza kuti une manejimendi akanaka emari uye kuti chirongwa chako chinoshanda.

Q: Ko online crowdfunding inoshanda sei muAfrica?

A: Online crowdfunding muAfrica inoshanda kuburikidza neakasarudzika mapuratifomu kwaunogona kugadzira mushandirapamwe kukwidza mari kubva kune vakawanda vateereri. Iwe unogovera chirongwa chako, isa chinangwa chekusimudzira mari uye vanhu vanofarira vanogona kupa mari.

Mubvunzo: Ndinowana sei vabatsiri vepurojekiti yangu muAfrica?

A: Kuti uwane vadyidzani vepurojekiti yako muAfrica, tsvaga makambani kana masangano anogovera zvaunovavarira nezvako. Enda kune zviitiko, nyanzvi network uye shandisa social media kuita zvinongedzo. Ipa purojekiti yako uye ongorora mikana yekubatana.

Asi usati waenda, heino premium yekudzidziswa inokuzivisa iwe kune vese kushanda kwemukati kwekubatana kwekushambadzira.

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