Ungayixhasa njani iprojekthi yakho eAfrika?

Ukubhalwa kweli nqaku kukhuthazwa sisicelo esingapheliyo sababhalisi abaninzi be Finance de Demain. Ngapha koko, aba bamva bathi banobunzima bokufumana imali yokuxhasa imali yabo iiprojekthi zotyalo-mali, Ukuqalisa kwabo. Enyanisweni, ukufumana imali yokuxhasa iprojekthi yinto ebalulekileyo uzinzo lweprojekthi. Imali yangomso iza namhlanje ukuphendula lo mbuzo ulandelayo: Njani xhasa iprojekthi yakho e-Afrika ?

Nangona kunjalo, akusoloko kulula ukufumana inkxaso-mali yokuseka iprojekthi yakho. Kuzo zonke iimeko, ubume beprojekthi kunye nomsebenzi wenkampani ngokubanzi umisela ukhetho lwenkxaso-mali. Kweli nqaku, ndiza kukubonisa iindlela ezahlukeneyo zokuxhasa ngemali iprojekthi yakho yotyalo-mali e-Afrika. Kodwa ngaphambi kokuba uqale, nantsi iprotocol eya kukuvumela ukuba wakhe eyakho ishishini lokuqala kwi-Intanethi.

Ubunzima bokuxhasa ngemali iprojekthi e-Afrika

Imali yeprojekthi yakho yotyalo-mali akuzange kube lula. Okubi nangakumbi xa sizibona sikwicala le-Afrika apho iibhanki zingafuni ukuxhasa ngemali ii-SMEs. Ukunqongophala kweziqinisekiso zokuqinisekisa ngetyala sesinye sezizathu zokuba kutheni ukuxhaswa ngemali ibhanki inzima eAfrika. Nangona kunjalo, kukho izisombululo ezininzi ezitsha ezikuvumela ukuba ujikeleze obu bunzima. Abanye bayakhawuleza ukuzifumana kunabanye kodwa babonelele ngemali encinane.

Kubaluleke kakhulu ke ngoko ukuqonda amanqanaba enkxaso-mali kunye nokukhetha umthombo ochanekileyo wenkxaso-mali ukuze ungachithi ixesha kwaye wandise amathuba akho okuphumelela. Kukwayimfuneko ukuba kuthathelwe ingqalelo into yokuba imithombo ethile yenkxaso-mali inokwenzeka kuphela xa ishishini lakho lifikile inqanaba esele lihambele phambili.

Imali yeprojekthi yakho yotyalo-mali

Eli nqaku libonisa amathuba ahlukeneyo okuxhasa ngemali iiprojekthi ezingaziwayo luluntu ngokubanzi. Ezi ndlela zobugcisa zibonelela oosomashishini abancinci abangaziyo ukuba bangaya phi na amathuba amatsha okuxhasa iiprojekthi zabo. Lilonke, eli nqaku libonisa amathuba amathandathu okufumana inkxaso-mali akhoyo kwi-African Startups: ukuzixhasa ngemali, ukuthanda imali, iNgelosi yeShishini, IFinansing yamaSilamsi, iCrowdfunding, ukhuphiswano kunye nezifundo zokufunda.

✔ Ukuzixhasa ngezimali 

Ukuzixhasa ngezimali kubhekiselele ekuboneleleni ngezimali iiprojekthi zenkampani ngaphandle koncedo lwangaphandle olufana nokuboleka. I" Ukuqalisa » Abantu baseAfrika kufuneka bagxininise ngakumbi kulo mthombo wenkxaso-mali obavumela ukuba babe nokuzimela. Nokuba abanye oosomashishini bakhankanya ukunqongophala kwezi mali xa besungula iprojekthi yabo, kufuneka kuqatshelwe ukuba usomashishini onamabhongo angakulungela ukwenza iprojekthi. phuma kwindawo yakho yokuthuthuzela ukuqalisa imisebenzi enxuseneyo ukuze kuveliswe ingeniso eya kuthi emva koko ibe yinkunzi yoQeliso.

Ukongezelela, unokubiza amaqabane (Co-founders) ukuba azixhase ngeprojekthi yakhe. Ngumbuzo wentando, umbutho kwaye ngaphezu kwawo onke amabhongo. Lo mthombo wenkxaso-mali ubaluleke ngakumbi ngexesha lesigaba sokuphehlelelwa kokuQala. Xa unombono engqondweni, kufuneka uzame ukulenza libe yinyani ngokukhawuleza, nokuba imveliso okanye inkonzo ayikagqitywa. Oku kuvumela ingcamango ukuba ivavanywe ngokukhawuleza kwiimarike kwaye igweme ukuchitha ixesha ekuphuhliseni imveliso enokuthi ingasebenzi noluntu. Yiyo loo nto, kufuneka ukulungele ukuzixhasa ngezimali.

✔ Ukuthanda imali ("imali yothando", ngesiFrentshi)

Uthando lwemali ngumthombo wemali kwaye ayaziwa luluntu ngokubanzi. Lo mthombo wenkxaso-mali wenza kube lula ukuthintela ingxaki engunaphakade yeziqinisekiso ezicelwe ziibhanki eziqhelekileyo. I-Love Money yenye yezemali kwiikhredithi zemveli ezibonelelwa ziibhanki. Ibandakanya ngokwemali bandakanya abo ubathandayo kumgaqo-siseko okanye kuphuhliso loshishino lwayo. Oku kubandakanyeka kwezemali kusemthethweni: izalamane ziba ngabanini-zabelo kwinkampani.

Ke, imali yothando ikwabizwa ngokuba " the 3 Cs”: abazala, abahlobo kunye ne-weirdos ! Uthando lwemali luyinxalenye yengqiqo "Umanyano lwamaAfrika". Oko kukuthi i-altruism, ukwabelana ngemilinganiselo ethile. Uthando lweMali lusetyenziswa ikakhulu kumxholo wokudibanisa inkunzi yentlalo yenkampani eyenziwa, kodwa kwakhona, ukuba kuyimfuneko, inokusetyenziswa njengenxalenye ye-recapitalisation emva kokuqaliswa. yenkampani.

✔ Inkxaso-mali yamaSilamsi

Nokuba ungumSilamsi okanye awukho, i Imali yamaSilamsi ivula iingcango zayo kuwe. Abasomashishini abancinci baseAfrika abafuna imali yokuxhasa iiprojekthi zabo banokusebenzisa imali yamaSilamsi ukuze bazuze ngokupheleleyo okanye ngokuyinxenye kwinkxaso-mali yeprojekthi. Ngapha koko, imali yamaSilamsi yimali ekhuthaza ukungafihli kushishino, ubulungisa phakathi kwamaqela kwikhontrakthi, njl. Kwelinye lamanqaku ethu sibonise ukuba abanye Izivumelwano zemali zamaSilamsi ikuvumela ukuba uxhase ngemali yonke okanye inxalenye yeprojekthi yosomashishini.

Izimali zamaSilamsi zineenzuzo ezibalulekileyo kwiimveliso zemali zemveli. Yena uthintelo lomdla kunye nemfuno ukuba utyalo-mali lunxulunyaniswa noqoqosho lokwenyani, kunye nendlela yalo yokwabelana ngeenzuzo kunye nelahleko kunye noosomashishini, yongeza uzinzo kwicandelo lezemali. Imali yamaSilamsi inokuphucula ukubandakanywa kwemali, njengoko idibanisa abantu abathi, ngenxa yezizathu zenkcubeko okanye zonqulo, bangabandakanyi kwinkqubo yezemali yemveli.

Okokugqibela, abaQalayo abancinci banokuxhamla kwiimali-mboleko zesisa kwiibhanki zamaSilamsi. Ngenxa yokuba iibhanki eziqhelekileyo aziboneleli ngetyala ngaphandle kweziqinisekiso kunye namazinga enzala ahlala enganyamezeleki xa uQalisa, lo mthombo wenkxaso-mali lithuba lokubanjwa. Esi sisombululo sifanelekile ngakumbi kwabo banezimvo ezitsha kodwa bengenamali.

✔ Ukusebenzisa ingelosi yoshishino

Kwiminyaka yakutshanje, siye sabona uphuhliso lweenkampani ezinkulu zeshishini okanye iiNgelosi zeShishini. I Iingelosi zeshishini banomdla wokuziqhelanisa noshishino abatyala imali yabo kwiinkampani eziselula ezineengcamango ezintsha. Aba bantu, abazimeleyo, banokuxhasa ngezimali iprojekthi kulo naliphi na icandelo lomsebenzi xa benakho ubudlelwane kunye nosomashishini. Kwanele kuye kuphela ukuba abe nombono olungileyo jikelele weprojekthi kunye nokuba iprojekthi inokuba nenzuzo.

Aba bantu bajonge utyalo-mali olunomdla banokukunceda ngokugqibeleleyo ukuba uxhase ishishini lakho. Ukongeza kwinkxaso-mali yokuqalisa kwakho, iingelosi zoshishino zikucebisa ngendlela yokulawula iprojekthi yakho. Enkosi kumthamo wabo wokuphinda usebenze kwaye ukungayithandi kwabo imingcipheko, Iingelosi zeShishini ngabadlali ababalulekileyo kwinkxaso-mali yokuqala yeenkampani ezincinci ezinokukhula okuphezulu.

Ngabo kuphela abakwaziyo ukuthatha le ndima ngomlinganiselo omkhulu. Ngokubanzi, bayaxhamla kwizabelo kwinkampani yakho. Uphando lwe-Intanethi lukuvumela ukuba ubonise iprojekthi yakho kwiNgelosi yeShishini.

✔ Ukuxhaswa ngemali ngabantu abaninzi

Ukuxhaswa ngemali ngabantu abaninzi ligama lesiNgesi elithi " ukubuyiselwa kwemali ". Oku kuthetha ukuba inani elikhulu labantu liyafuneka ukuba lithathe inxaxheba ngokwezimali nangokwezoqoqosho kwiprojekthi. Olu qheliselo lwenziwa ikakhulu nge-intanethi. I-Crowdfunding ikuvumela ukubaqhagamshelana nabezimali abenza umsebenzi wokunceda abanye okanye njengomrhwebi. Ukusuka e-Afrika, (04) kukho amaqonga amane okuxhasa ngemali amashishini akho amancinci.

Afrikity ibonelela ngenkonzo yokunyusa ingxowa-mali ngokufumana isithsaba. Njengoko kubonisiwe ngasentla, obu buchule buvumela uluntu ukuba lutyale imali kwinkunzi yokuqalisa kunye nee-SME. Isiza sikwabonelela ngenkonzo epheleleyo malunga nemiba yolawulo nesemthethweni yeeprojekthi zakho.

FADEV ixhasa oosomashishini baseAfrika abasebenzisa iinqobo ezisemgangathweni zentlalo kunye noqoqosho lomanyano. Kuyenzeka ukuba ufumane inkxaso-mali yeshishini lakho. Iprojekthi kufuneka sele ziqinisiwe ukuxhamla kwiimali.

Jamaafunding yindawo yokufumana inkxaso-mali ngokungafaniyo nenye. Ukongeza kwimali, unokunikela ngexesha lakho ngokuthatha inxaxheba kwimisebenzi yamavolontiya efumaneka kwiiprojekthi ezithile.

IFIATOPE liqonga lokuxhasa ngemali ngabantu abaninzi, ezinikezelwe kwiiprojekthi zoosomashishini eAfrika. Ezona nkalo ziphambili ze-Fiatope zokwenza zezi: imfundo ephakamileyo, amayeza, okusingqongileyo, amandla ahlaziyekayo, ezolimo, iteknoloji kunye nenkcubeko.

✔ Ukhuphiswano kunye nokufundiswa

Ii-incubators zokuqalisa e-Afrika zandisa ubuhlakani bazo neenkampani ezibabonelela ngenkxaso-mali yembewu. Le yimeko ye-CTIC yaseDakar, eye yasungula inkqubo yeBuntuTeki ngo-2015 isebenzisana nenkampani yomnxeba iTigo.

Injongo yolu buhlakani kukuxhasa malunga neeprojekthi ezilishumi ngonyaka eSenegal. Umrhwebi oselula kufuneka ke amaxesha ngamaxesha aye kwi-intanethi ukukhangela ukhuphiswano kunye nezifundo ezifumanekayo entsimini yakhe.

✔️Izibonelelo

Izibonelelo ziimali ezabiwe ngurhulumente okanye imibutho yabucala ukulungiselela iiprojekthi ezithile. Ngokuqhelekileyo zinikezelwa kwiiprojekthi ezinefuthe elihle kwezentlalo okanye zendalo. Iigranti azikhuphisani ngokubanzi kunezinye iintlobo zenkxaso-mali kwaye azifuni ntlawulo.

✔️Imali-mboleko yobuqu

Iimali-mboleko zobuqu ziyindlela eguquguqukayo nefanelekileyo yokuxhasa ngemali iiprojekthi kuhlahlo lwabiwo-mali oluqinileyo. Ngokuqhelekileyo kulula ukuzifumana kunemali-mboleko yebhanki kwaye ayifuni mbambiso. Nangona kunjalo, i umgangatho wenzala inokuba phezulu kunezinye iindlela zenkxaso-mali.

✔️ Ukuqeshisa

ukuqeshisa, kwaziwa njenge yokuqeshisa, luhlobo lwenkxaso-mali oluvumela inkampani okanye umntu ukuba aqeshise i-asethi, ngokuqhelekileyo isixhobo okanye isithuthi, ixesha elithile. Ukuqeshisa kunika ithuba lokusebenzisa ipropati ngaphandle kokuyithenga ngokuthe ngqo.

Kwikhontrakthi yemali erentwayo, umqeshisi (odla ngokuba yinkampani eqeshisayo) uthenga i-asethi efunwayo aze ayiqeshise kumntu oqeshisayo (inkampani okanye umntu ngamnye) njengembuyekezo yeentlawulo eziqhelekileyo kwixesha ekuvunyelwene ngalo. Ekupheleni kwesivumelwano sokuqeshisa, umqeshi unokukhetha ukuthenga i-asethi ngexabiso ekuvunyelwene ngalo, ayibuyisele kumqeshisi, okanye ahlaziye ikhontrakthi.

Ukuqeshisa kuneengenelo ezininzi. Ikuvumela ukuba ugcine umthamo wokuboleka kwezinye iimfuno, kuba ipropati ayithengwanga ngokuthe ngqo. Ikwabonelela ngokuguquguquka ngokwexesha lokurenta kunye nokwenzeka kokuphuculwa kwehardware. Ukongeza, iintlawulo zokuqeshisa zinokutsalwa irhafu kwiimeko ezithile. Funda kancinci malunga ukuqeshisa ngenkxaso-mali.

Amaqhinga okuxhasa ngemali iprojekthi kuhlahlo lwabiwo-mali olungqongqo

Iprojekthi enohlahlo lwabiwo-mali oluluqilima yiprojekthi enemithombo embalwa yemali ukuze iphunyezwe. Kuthetha ukuba imali ekhoyo yeprojekthi ilinganiselwe, nto leyo enokwenza kube nzima ukuphumeza iingcamango ezithile nokuphumeza usukelo olumiselweyo. Iiprojekthi ezinohlahlo lwabiwo-mali olungqongqo zihlala zinxulunyaniswa neziqalo, iiprojekthi zobugcisa, iiprojekthi zentlalo kunye namanye amanyathelo afanayo.

Kwezi meko, oosomashishini okanye abantu bokuyila badla ngokubakho kunyanzeleke ukuba bafumane iindlela ezintsha ukwandisa inkxaso-mali yabo kwaye baqhube iprojekthi yabo ngezibonelelo ezimbalwa kangangoko. Xa usebenza kwiprojekthi yohlahlo lwabiwo-mali oluqilima, kubalulekile ukukhulisa inkxaso-mali yakho ukuze ukwazi ukufezekisa iinjongo zakho ngaphandle kokugqithisa imali yakho. Nazi ezinye izicwangciso zokuqwalasela ukwandisa inkxaso-mali yeprojekthi yakho:

✔️Vavanya iindleko zeprojekthi yakho

Ukuxhasa ngemali iprojekthi kuhlahlo lwabiwo-mali oluluqilima kunokuba ngumngeni wokwenene, kodwa kunokukhokelela kubuchule obukhulu kunye nobuchule ekugqityweni kweprojekthi. Ngaphambi kokufuna inkxaso-mali, kubalulekile ukuvavanya ukusebenza kwemali kweprojekthi yakho. Oku kubandakanya ukumisela iindleko ezipheleleyo zeprojekthi kunye nokuqinisekisa ukuba unesicwangciso esiluqilima sokwenza ingeniso okanye inzuzo xa iprojekthi igqityiwe.

Inyathelo lokuqala lokwandisa inkxaso-mali yakho ukuvavanya iindleko zeprojekthi yakho ngokuchanekileyo. Qwalasela zonke iindleko ezinokubakho, kubandakanywa iindleko zemathiriyeli, abasebenzi, ukurenta izixhobo kunye nokuthengisa. Qiniseka ukuba uphendula ngeendleko ezingalindelekanga ezinokuvela ngexesha lophuhliso lweprojekthi yakho.

✔️ Misela isicwangciso senkxaso-mali esisengqiqweni

Usebenzisa iindleko eziqikelelweyo, misela isicwangciso sokuxhasa ngemali esibambekayo esithathela ingqalelo yonke imithombo enokubakho yenkxaso-mali. Qwalasela iimali-mboleko, izibonelelo, abatyali-mali, iminikelo, i-scholarships kunye nezinye iindlela zokuxhasa ngemali ukubona ukuba ungayandisa njani imali yakho.

✔️Phanda izibonelelo kunye ne-scholarship

Iinkxaso-mali kunye nenkxaso-mali yokufunda yimithombo edumileyo yenkxaso-mali yeeprojekthi eziqiniweyo. Phanda ngeegranti kunye ne-scholarship ekhoyo kwiprojekthi yakho kwaye uqinisekise ukuba uyahlangabezana nazo zonke iindlela zokufaneleka ngaphambi kokufaka isicelo.

✔️Jonga iindlela zokuboleka imali

Ukuba ufuna imali eyongezelelweyo kwiprojekthi yakho, cinga ngokujonga iinketho zemali-mboleko. Imali-mboleko inokuba ngumthombo osebenzayo wenkxaso-mali, kodwa qiniseka ukuba uyayiqonda imimiselo nemiqathango phambi kokuba utyikitye isivumelwano.

✔️Yakha intsebenziswano

Ukusebenza namaqabane kunokuba yindlela esebenzayo yokwandisa inkxaso-mali yeprojekthi yakho. Khangela amaqabane anokubonelela ngemali, ubuchule okanye izixhobo zeprojekthi yakho. Ubudlelwane bunokunceda ukwabelana ngomngcipheko kunye neendleko, enokuba luncedo kwiiprojekthi zohlahlo lwabiwo-mali oluqinileyo.

✔️Sebenzisa imidiya yoluntu

Imithombo yeendaba zentlalo liqonga lentengiso elinamandla lokukhuthaza iprojekthi yakho kunye nokutsala umdla wabatyali-mali abanokubakho kunye nabaxhasi. Yenza ubukho be-intanethi kwiprojekthi yakho ngokusebenzisa ii-hashtag ezifanelekileyo kunye nokwabelana rhoqo ngohlaziyo kwinkqubela phambili yakho ukwenza umdla kunye nokutsala abatyali-mali.

✔️Yila ngemithombo yakho yenkxaso-mali

Yenza uyilo kwaye ucinge ngaphandle kwebhokisi ukwandisa imali yakho. Cinga ngeminye imithombo yenkxaso-mali efana ne-crowdfunding okanye i-microcredit ukuze ufumane iimali eziyimfuneko.

isiphelo

Ukuqukumbela, ukuxhasa ngezimali iprojekthi yakho e-Afrika kunokuba ngumngeni, kodwa kukho iinketho ezininzi ukuhlola. Okokuqala, unokukhangela abatyali-mali abanomdla kwiprojekthi yakho. Lungiselela isicwangciso soshishino esiluqilima kwaye uqaqambise iinzuzo kunye nenzuzo enokubakho yeprojekthi yakho ukutsala ingqalelo yabo. Emva koko, i imali eyinkunzi yeshishini yenye into enokwenzeka. Aba batyali-mali bakhethekileyo baxhasa uqalo kunye neeprojekthi ezinokukhula okuphezulu. Yenza uphando lokufumana imali eyinkunzi yemali esebenzayo e-Afrika kwaye ungenise iprojekthi yakho ukuze ivavanywe.

Iigranti zikarhulumente nazo zinokuba ngumthombo wenkxaso-mali. Fumana ulwazi malunga nezibonelelo kunye neenkqubo zenkuthazo ezibonelelwa ngoorhulumente basekhaya okanye besizwe. Ukuba iprojekthi yakho inemilinganiselo yentlalo okanye yokusingqongileyo, inokulungela ukufumana ezi zibonelelo.

Iiplatifti ze-intanethi ye-crowdfunding nazo zinokuba lukhetho olunomdla. Yenza iphulo lokubandakanya kwaye usebenzise imidiya yoluntu ukukhuthaza iprojekthi yakho kubaphulaphuli abaninzi. I-Crowdfunding inokukunceda ukunyusa imali ngokukhawuleza kwaye ufumane inkxaso yoluntu.

FAQ

Umbuzo: Zeziphi iindlela zokuxhasa ngemali ezifumanekayo koosomashishini baseAfrika?

IMPENDULO: Ukhetho lwenkxaso-mali koosomashishini base-Afrika lubandakanya abatyali-mali, iingxowa-mali ze-venture capital, izibonelelo zikarhulumente, iimali-mboleko ezivela kumaziko emali, amaqonga okuxhasa abantu abaninzi kunye nentsebenziswano namanye amashishini.

Umbuzo: Ndingayitsala njani ingqalelo yabatyali-zimali ngeprojekthi yam e-Afrika?

IMPENDULO: Ukutsala umdla wabatyali-zimali, lungiselela isicwangciso soshishino esiluqilima siqaqambisa iinzuzo kunye nengeniso enokubakho yeprojekthi yakho. Zilungiselele ukubonisa iprojekthi yakho ngendlela ekholisayo kwaye uphendule imibuzo evela kubatyali-mali.

Umbuzo: Zeziphi iindlela zokufumana isibonelelo sikarhulumente e-Afrika?

A: Iikhrayitheriya zokufumana isibonelelo sikarhulumente ziyahluka ngokwamazwe kunye neenkqubo ezithile. Ngokubanzi, iiprojekthi ezinomda wentlalo okanye wokusingqongileyo kusenokwenzeka ukuba zifaneleke. Kubalulekile ukufunda ngeenkqubo zenkxaso-mali ezikhoyo kwaye ulandele izikhokelo ezithile.

Umbuzo: Ndingawanyusa njani amathuba am okufumana imali-mboleko kwiziko lezemali e-Afrika?

IMPENDULO: Ukwandisa amathuba akho okufumana imali-mboleko kwiziko lezemali, lungiselela ifayile eqinileyo equka isicwangciso soshishino esineenkcukacha, uhlalutyo lwemali kunye nesicwangciso esicacileyo sokuhlawula. Zibonise ukuba unolawulo olululo lwemali kwaye iprojekthi yakho iyasebenza.

Kodwa ngaphambi kokuba uhambe, nalu uqeqesho lweprimiyamu olukwazisa kubo bonke imisebenzi yangaphakathi yokuthengisa edibeneyo.

Kukuwe ukuba udlale, wabelane, uthande kwaye usinike uluvo lwakho kwiikhomenti