Ungayithola kanjani imali yephrojekthi yakho e-Afrika?

Ukubhalwa kwalesi sihloko kugqugquzelwa yisicelo esingapheli sababhalisile abambalwa be Finance de Demain. Eqinisweni, laba bakamuva bathi banenkinga yokuthola imali yokuxhasa ngezimali zabo amaphrojekthi okutshalwa kwezimali, Iziqalo zabo. Eqinisweni, ukuthola imali yokuxhasa iphrojekthi kuyinto ebalulekile ukusimama kwephrojekthi. Finance de demain iza namuhla ukuzophendula umbuzo olandelayo: Kanjani xhasa ngezimali iphrojekthi yakho e-Afrika ?

Nokho, akuvamisile ukuthola uxhaso lwemali ukuze umise iphrojekthi yakho. Kuzo zonke izimo, uhlobo lwephrojekthi kanye nomsebenzi wenkampani ngokuvamile kunquma ukukhetha kwezimali.

Kulesi sihloko ngizokukhombisa izindlela ezahlukene zokuthi ngezimali iphrojekthi yayo yokutshala imali e-Afrika. Kepha ngaphambi kokuthi uqale, nansi iphrothokholi ekuvumela ukuthi wakhe eyakho ibhizinisi lokuqala le-inthanethi.

🌿 Ubunzima bokuxhasa iphrojekthi e-Afrika

Ukuxhasa ngezimali iphrojekthi yakho yokutshala imali akukaze kube lula. Okubi nakakhulu uma sizithola sisohlangothini lwase-Afrika lapho amabhange emadolonzima ukuxhasa ama-SME. Ukuntuleka kweziqinisekiso zokuqinisekisa isikweletu kungesinye sezizathu zokuthi kungani ukuxhaswa ngezimali ukubhanga kunzima e-Afrika.

Kodwa-ke, kunezixazululo ezintsha ezimbalwa ezikuvumela ukuthi ugweme lobu bunzima. Ezinye ziyashesha ukuzithola kunabanye kodwa zivumela imali encane.

Ngakho-ke kubaluleke kakhulu ukuqonda izigaba zokuthola imali nokukhetha umthombo ofanele wokuxhasa ngezimali ukuze ungachithi isikhathi futhi wandise amathuba akho okuphumelela. Kuyadingeka futhi ukunaka iqiniso lokuthi imithombo ethile yokuxhasa ngezimali kungenzeka kuphela uma ibhizinisi lakho selifinyelele isiteji esivele sithuthukile.

🌿 Faka imali ngephrojekthi yakho yokutshala imali

Lesi sihloko sethula amathuba ahlukene okuxhasa ngezimali amaphrojekthi angaziwa kabanzi emphakathini jikelele. Lezi zindlela zinikeza osomabhizinisi abasebasha abangazi ukuthi bangayaphi amathuba amasha okuxhasa amaphrojekthi abo.

Sekukonke, lesi sihloko siveza amathuba ayisithupha okuxhasa ngemali atholakala kwabaQalayo base-Afrika: ukuzixhasa ngezimali, Thanda Imali, Ingelosi Yebhizinisi, Uxhaso Lwezimali ZamaSulumane, Uxhaso Lwezixuku, imiqhudelwano kanye nemifundaze.

✔️ Ukuzixhasa ngezimali 

Ukuzixhasa ngezimali kuqoka ukuxhaswa ngezimali kwamaphrojekthi enkampani ngaphandle kokuthola izinsiza zangaphandle njengokuboleka. I-" Iziqalo Ama-Afrika kumele agcizelele kakhulu lo mthombo wezimali obenza bakwazi ukuzimela.

Ngisho noma abanye osomabhizinisi bekhuluma ngokuntuleka kwalezi zimali lapho bethula iphrojekthi yabo, kufanele kuqashelwe ukuthi usomabhizinisi onesifiso sokuvelela uzobe esekulungele phuma endaweni yakho yokunethezeka ukuqalisa imisebenzi ehambisanayo ukuze kukhiqizwe imali engenayo ezoba inhlokodolobha yokuQala.

Ngaphezu kwalokho, angabiza abalingani (Co-founders) ukuthi bazenzele ngezimali iphrojekthi yakhe. Kungumbuzo wentando, inhlangano futhi ngaphezu kwakho konke isifiso sokuvelela.

Lo mthombo wezimali ubaluleke kakhulu esigabeni sokwethulwa kokuQala. Uma unombono ekhanda lakho, kufanele uzame ukwenza ukuthi kwenzeke ngokushesha, noma ngabe umkhiqizo noma isevisi ingakaqedwa.

Lokhu kuvumela umbono ukuthi uhlolwe ngokushesha emakethe futhi kugweme ukuchitha isikhathi ngokukhiqiza umkhiqizo ongase ungasebenzi nomphakathi. Yingakho, kufanele uzilungiselele ukuba uzixhase ngezimali.

✔️ Thanda Imali (“imali yothando”, ngesiFulentshi)

Imali yothando ingumthombo wezezimali okungaziwa emphakathini jikelele. Lo mthombo wezimali wenza kube nokwenzeka ukugwema inkinga yaphakade yeziqinisekiso ezicelwe amabhange avamile.

 I-Love Money ingenye yezezimali kumakhredithi endabuko anikezwa amabhange. Iqukethe ngokwezimali zihilela abathandekayo ekusunguleni noma ekuthuthukisweni kwebhizinisi lakhe. Lokhu kubandakanyeka kwezezimali kusemthethweni: izihlobo ziba ngabanikazi bamasheya enkampani.

Ngakho-ke, imali yothando nayo ibizwa ngokuthi " the 3 Cs: abazala, abangani kanye ne-weirdos ! I-Love Money iyingxenye yomqondo wokuthi "ubumbano lwama-Afrika“. Okusho ukuthi i-altruism, ukwabelana ngezindinganiso ezithile.

I-Love Money isetshenziswa kakhulu esimweni sokukhushulwa kwesabelomali senkampani ekudaleni, kodwa futhi, uma kunesidingo, ingasetshenziswa kumongo wokwenza imali kabusha ngemva kokwethulwa kwenkampani.

✔️ Ukuxhaswa ngezimali kwamaSulumane

Kungakhathaliseki ukuthi ungumSulumane noma cha, the Ezezimali zamaSulumane zikuvulela iminyango. Osomabhizinisi abasebasha base-Afrika abafuna imali yokuxhasa amaphrojekthi abo bangasebenzisa uxhaso lwamaSulumane ukuze bahlomule ngokuphelele noma ngokwengxenye ekuxhasweni kwephrojekthi.

Eqinisweni, ezezimali zamaSulumane ziyizimali ezikhuthaza ukuba sobala kwebhizinisi, ukulunga phakathi kwezinhlangothi zenkontileka, njll. Kwesinye sezihloko zethu, sabonisa ukuthi ezinye Izinkontileka zezimali zamaSulumane ingaxhasa ngezimali yonke noma ingxenye yephrojekthi yosomabhizinisi.

Ezezimali zamaSulumane zinezinzuzo ezibalulekile kunemikhiqizo yezezimali yendabuko. Yena ukwenqatshelwa kwenzuzo kanye nemfuneko ukuthi ukutshalwa kwezimali kuxhumene nomnotho wangempela, kanye nendlela yawo yokwabelana ngenzuzo nokulahlekelwa nosomabhizinisi, kwengeza uzinzo emkhakheni wezezimali.

Izimali zamaSulumane zingaphinde zithuthukise ukufakwa kwezimali, njengoba zihlanganisa abantu abathi, ngenxa yezizathu zamasiko noma zenkolo, bakhishwe ohlelweni lwezimali oluvamile.

Okokugcina, i-Start-upeur esencane ingazuza emalini ebolekiwe evela emabhange amaSulumane. Njengoba amabhange avamile enganikezi imali ebolekiwe ngaphandle kweziqinisekiso futhi ngamanani enzalo ngokuvamile angabekezeleleki ngesikhathi Sokuqalisa, lo mthombo wezimali uyithuba lokubanjwa.

Lesi sixazululo sibafanele kakhulu labo abanemibono emisha kodwa abangenayo imali.

✔️ Ukusebenzisa ingelosi yebhizinisi

Eminyakeni yamuva nje, sibone ukuthuthukiswa kwezinkampani ezinkulu zebhizinisi noma iBusiness Angels. I Izingelosi zebhizinisi banothando lokuzidela kwezamabhizinisi abatshala imali yabo ezinkampanini ezisencane ezinemiqondo emisha.

Laba bantu, abazimele, bangaxhasa ngezimali iphrojekthi kunoma yimuphi umkhakha womsebenzi inqobo nje uma benawo ubudlelwane nosomabhizinisi. Kwanele kuye kuphela ukuthi abe nombono omuhle ojwayelekile wephrojekthi nokuthi iphrojekthi inamandla okwenza inzuzo.

Laba bantu abafuna ukutshalwa kwezimali okuthakazelisayo bangakusiza ngokuphelele ukuxhasa ibhizinisi lakho. Ngaphezu kokuxhasa ngezimali ukuqala kwakho, izingelosi zebhizinisi zikweluleka ngokuthi ungayiphatha kanjani iphrojekthi yakho.

Ngenxa yokusabela kwabo futhi ukucasuka kwabo engozini encane, IBusiness Angels ingabadlali ababalulekile ekuxhaseni ngezimali kokuqala kwezinkampani ezisencane ezinamandla okukhula okuphezulu.

Babodwa abakwazi ukuthatha le ndima ngezinga elikhulu. Ngokuvamile, bazuza emasheya enkampanini yakho. Ucwaningo lwe-inthanethi lukuvumela ukuthi wethule iphrojekthi yakho Kungelosi Yebhizinisi.

✔️ I-Crowdfunding

I-Crowdfunding igama lesiNgisi elithi " iqhaza lezezimali ". Lokhu kusho ukuthi inani elikhulu labantu balethwa ukuze babambe iqhaza ngokwezimali nangokwezomnotho kulo msebenzi. Lo mkhuba wenziwa ikakhulukazi nge-inthanethi.

I-Crowdfunding ikuvumela ukubathintana nabaxhasi abasebenza njenge-philanthropist noma njengomthengisi. Kusukela e-Afrika, (04) kunezinkundla ezine zokuxhasa amabhizinisi akho amancane.

I-Afrikity inikeza insizakalo yokuqongelela imali nge-crowdfunding. Njengoba kwethulwe ngenhla, le ndlela yokwenza ivumela umphakathi ukuthi utshale imali enhlokodolobha yokuqala kanye nama-SME. Isayithi liphinde linikeze isevisi ephelele ezungeze izici zokuphatha nezomthetho zamaphrojekthi akho.

I-FADEV isekela osomabhizinisi base-Afrika abasebenzisa amanani omnotho wezenhlalo nobumbano. Kungenzeka ukuthi uthole imali yebhizinisi lakho. Iphrojekthi kufanele kakade ziqiniswe ukuze ufanelekele ukuthola izimali.

Jamaafunding isayithi le-crowdfunding njengezinye. Ngaphezu kwemali, ungaphinda unikele ngesikhathi sakho ngokubamba iqhaza emisebenzini yamavolontiya esizeni etholakala kumaphrojekthi athile.

I-FIATOPE iyinkundla yokuqoqa imali yabantu abaningi ngokunikela, ezinikele kumaphrojekthi osomabhizinisi abheke e-Afrika.

Izindawo ezibaluleke kakhulu zeFiatope yilezi: imfundo ephakeme, imithi, imvelo, amandla avuselelekayo, ezolimo, ubuchwepheshe kanye namasiko.

✔️ Imiqhudelwano kanye nemifundaze

Ama-incubator okuqala e-Afrika andisa ubudlelwano nezinkampani ezibahlinzeka ngezibonelelo zembewu. Lesi yisimo se-CTIC eDakar, eyethula uhlelo lwe-BuntuTeki ngo-2015 ngokubambisana nenkampani yocingo i-Tigo.

Inhloso yalobu budlelwano ukuxhasa amaphrojekthi acishe abe yishumi ngonyaka eSenegal. Ngakho-ke usomabhizinisi osemusha kumele ngezikhathi ezithile ahambe ku-inthanethi ukuze afune imincintiswano nemifundaze etholakala emkhakheni wakhe.

✔️Izibonelelo

Izibonelelo ziyizimali ezinikezwa uhulumeni noma izinhlangano ezizimele zamaphrojekthi athile. Ngokuvamile anikezwa amaphrojekthi anomthelela omuhle kwezenhlalo noma kwezemvelo.

Izibonelelo ngokuvamile azincintisani kunezinye izinhlobo zoxhaso futhi azidingi ukukhokhelwa.

✔️Imalimboleko yomuntu siqu

Izimalimboleko zomuntu siqu ziyindlela eguquguqukayo nesebenzayo yokuxhasa ngezimali amaphrojekthi anesabelomali esiqinile. Ngokuvamile kulula ukuzithola kunemali mboleko yasebhange futhi azidingi sibambiso.

Nokho, isilinganiso senzalo ingase ibe phezulu kunezinye izinhlobo zezimali.

✔️ Ukuqashisa

ukuqashisa, obeye aziwe njengo ukuqasha, kuwuhlobo lwezimali oluvumela inkampani noma umuntu ukuthi aqashe impahla, ngokuvamile okokusebenza noma imoto, isikhathi esithile. Ukuqashisa kunikeza ithuba lokusebenzisa indawo ngaphandle kokuthi uyithenge ngqo.

Kunkontileka yokuqashisa yezezimali, umqashisi (ngokuvamile inkampani eqashisayo) uthenga impahla ayifisayo futhi ayiqashele umqashisi (inkampani noma umuntu) njengembuyiselo yezinkokhelo ezivamile esikhathini okuvunyelwene ngaso. Ekupheleni kwenkontileka yokuqashisa, umqashi angase akhethe ukuthenga impahla ngentengo okuvunyelwene ngayo, ayibuyisele kumqashisi, noma avuselele inkontileka.

Ukuqashisa kunezinzuzo eziningana. Ikuvumela ukuthi ugcine umthamo wokuboleka kwezinye izidingo, ngoba indawo ayithengwanga ngqo. Iphinde inikeze ukuguquguquka ngokuya kwesikhathi sokuqashwa kanye nokwenzeka kokuthuthukiswa kwehadiwe.

Ukwengeza, izinkokhelo zokuqashisa zingadonswa intela ezimeni ezithile. Funda okwengeziwe mayelana ukuqashisa ngezimali.

🌿 Amasu okuxhasa iphrojekthi ngesabelomali esiqinile

Iphrojekthi enesabelomali esiqinile iphrojekthi enezinsiza zezimali ezimbalwa ukuze ifezeke. Kusho ukuthi izimali ezitholakalayo zephrojekthi zilinganiselwe, okungenza kube nzima ukusebenzisa imibono ethile nokufeza imigomo ebekiwe.

Amaphrojekthi anesabelomali esiqinile avame ukuhlotshaniswa neziqalo, amaphrojekthi wobuciko, amaphrojekthi omphakathi, nezinye izinhlelo ezifanayo.

Kulezi zimo, osomabhizinisi noma abantu bokudala bavame baphoqeleke ukuthola izindlela ezintsha ukwandisa uxhaso lwabo futhi benze iphrojekthi yabo ngezinsizakusebenza ezimbalwa ngangokunokwenzeka. Lapho usebenza kuphrojekthi yesabelomali esiqinile, kubalulekile ukwandisa uxhaso lwakho ukuze ukwazi ukufeza izinhloso zakho ngaphandle kokudlula imali yakho.

Nawa amanye amasu okufanele uwacabangele ukwandisa uxhaso lwephrojekthi yakho:

✔️Hlola izindleko zephrojekthi yakho

Ukuxhasa iphrojekthi ngesabelomali esiqinile kungaba inselele yangempela, kodwa futhi kungaholela ekwakhiweni kokudala okukhulu kanye nobuhlakani ekuqedeni iphrojekthi.

Ngaphambi kokufuna uxhaso lwezimali, kubalulekile hlola ukusebenza kwezezimali kwephrojekthi yakho. Lokhu kuhlanganisa ukunquma inani lezindleko zephrojekthi kanye nokuqinisekisa ukuthi unohlelo oluqinile lokukhiqiza imali engenayo noma inzuzo uma iphrojekthi isiphelile.

Isinyathelo sokuqala sokwandisa uxhaso lwakho ukuhlola izindleko zephrojekthi yakho ngokuqondile.

Cabangela zonke izindleko ezingaba khona, okuhlanganisa izindleko zezinto zokwakha, abasebenzi, ukuqasha amathuluzi, nokuthengisa. Qiniseka ukuthi ucabangela izindleko ezingalindelekile ezingase zivele ngesikhathi sokuthuthukiswa kwephrojekthi yakho.

✔️ Sungula uhlelo lokuxhasa ngezimali olungokoqobo

Usebenzisa izindleko ezihloliwe, sungula uhlelo lokuxhasa ngezimali olungokoqobo olucabangela yonke imithombo engase ibe khona yokuxhasa ngezimali.

Cabangela imali ebolekiwe, izibonelelo, abatshalizimali, iminikelo, imifundaze, nezinye izinketho zoxhaso ukuze uthole ukuthi ungayandisa kanjani imali yakho.

✔️Cwaninga izibonelelo kanye nemifundaze

Izibonelelo kanye nemifundaze kuyimithombo edumile yoxhaso lwezimali zamaphrojekthi anesabelomali esiqinile. Cwaninga izibonelelo kanye nemifundaze etholakalayo yephrojekthi yakho futhi uqinisekise ukuthi uhlangabezana nazo zonke izindlela zokufaneleka ngaphambi kokufaka isicelo.

✔️Hlola izinketho zemalimboleko

Uma udinga imali eyengeziwe yephrojekthi yakho, cabanga ukuhlola izinketho zemalimboleko. Imalimboleko ingaba umthombo osebenzayo wezezimali, kodwa qiniseka ukuthi uyayiqonda imigomo nemibandela ngaphambi kokusayina isivumelwano.

✔️Yakha ubambiswano

Ukusebenza nozakwethu kungaba yindlela ephumelelayo yokwandisa uxhaso lwakho lwephrojekthi. Bheka ozakwethu abangakuhlinzeka ngezimali, ubuchwepheshe noma izinsiza zephrojekthi yakho.

Ubambiswano lungasiza ukwabelana ngobungozi kanye nezindleko, okungaba yinzuzo kumaphrojekthi wesabelomali esiqinile.

✔️Sebenzisa inkundla yezokuxhumana

Inkundla yezokuxhumana iyinkundla enamandla yokumaketha yokuthuthukisa iphrojekthi yakho futhi idonse ukunaka kwabangase babe abatshalizimali kanye nabaxhasi.

Dala ubukhona ku-inthanethi kuphrojekthi yakho ngokusebenzisa ama-hashtag afanelekile futhi wabelane njalo ngezibuyekezo ngenqubekelaphambili yakho ukuze ukhiqize intshisekelo nokuheha abatshalizimali.

✔️Yenza ubuhlakani ngemithombo yakho yemali

Yiba nobuhlakani futhi ucabange ngaphandle kwebhokisi ukuze ukwandise uxhaso lwakho. Cabangela eminye imithombo yezimali efana ne-crowdfunding noma i-microcredit ukuze uthole izimali ezidingekayo.

Isiphetho

Sengiphetha, ukuxhasa ngezimali iphrojekthi yakho e-Afrika kungaba yinselelo, kepha ikhona ongakhetha eziningana ukuhlola. Okokuqala, ungasesha abatshalizimali abanentshisekelo kuphrojekthi yakho. Lungiselela uhlelo lwebhizinisi oluqinile futhi ugqamise izinzuzo namandla okwenza inzuzo ephrojekthi yakho ukuze udonse ukunaka kwabo.

Bese kuthi i izimali ze-venture capital okunye okungenzeka. Laba batshalizimali abakhethekile basekela ukuqalisa namaphrojekthi anamandla okukhula okuphezulu. Yenza ukusesha ukuze uthole izimali ezisebenzayo ze-venture capital e-Afrika bese uhambisa iphrojekthi yakho ukuze ihlolwe.

Izibonelelo zikahulumeni zingaba umthombo wezimali. Thola mayelana nezinhlelo zezibonelelo nezibonelelo ezihlinzekwa ngohulumeni basekhaya noma kazwelonke. Uma iphrojekthi yakho inobukhulu bezenhlalo noma indawo ezungezile, ingase ifaneleke ukuthola lezi zibonelelo.

Amapulatifomu e-crowdfunding aku-inthanethi nawo angaba inketho ethokozisayo. Dala umkhankaso obandakanyayo futhi usebenzise inkundla yezokuxhumana ukukhuthaza iphrojekthi yakho kubabukeli abaningi. I-Crowdfunding ingakusiza ukuthi uqoqe imali ngokushesha futhi uthole ukwesekwa komphakathi.

I-FAQ - Ukuxhasa ngezimali iphrojekthi yakho e-Afrika

Q: Yiziphi izindlela zezimali ezitholakala kosomabhizinisi base-Afrika?

IMPENDULO: Izinketho zokuxhasa ngezimali osomabhizinisi base-Afrika zihlanganisa abatshalizimali, izimali ze-venture capital, izibonelelo zikahulumeni, izikweletu ezivela ezikhungweni zezimali, izinkundla zokuxhasa ngemali abantu abaningi kanye nobudlelwano namanye amabhizinisi.

Umbuzo: Ngingadonsa kanjani ukunaka kwabatshalizimali ngephrojekthi yami e-Afrika?

IMP: Ukuze uhehe abatshalizimali, lungiselela uhlelo lwebhizinisi oluqinile olugqamisa izinzuzo namandla okwenza inzuzo ephrojekthi yakho. Zilungiselele ukwethula iphrojekthi yakho ngendlela ekholisayo futhi uphendule imibuzo evela kubatshalizimali.

Q: Yiziphi izindlela zokuthola isibonelelo sikahulumeni e-Afrika?

IMP: Imibandela yokuthola isibonelelo sikahulumeni iyahlukahluka ngezwe nezinhlelo ezithile. Ngokuvamile, amaphrojekthi anomkhakha wezenhlalo noma wemvelo cishe afaneleka. Kubalulekile ukufunda ngezinhlelo zesibonelelo sikahulumeni ezitholakalayo futhi ulandele imihlahlandlela ethile.

Umbuzo: Ngingawandisa kanjani amathuba ami okuthola imali ebolekiwe esikhungweni sezezimali e-Afrika?

IMP: Ukwandisa amathuba akho okuthola imali ebolekiwe esikhungweni sezezimali, lungiselela ifayela eliqinile elihlanganisa nohlelo lwebhizinisi olunemininingwane eminingi, ukuhlaziywa kwezimali kanye nesu elicacile lokubuyisela. Bonisa ukuthi unokuphatha kahle izimali nokuthi iphrojekthi yakho iyasebenza.

Q: Isebenza kanjani i-crowdfunding ku-inthanethi e-Afrika?

IMP: I-crowdfunding ku-inthanethi e-Afrika isebenza ngezinkundla ezikhethekile lapho ungakha khona umkhankaso wokuthola imali kubabukeli abaningi. Wabelana ngephrojekthi yakho, usethe umgomo wokuqongelela imali futhi abantu abanentshisekelo banganikela ngokwezimali.

Umbuzo: Ngibathola kanjani abalingani bephrojekthi yami e-Afrika?

IMP: Ukuze uthole ozakwethu bephrojekthi yakho e-Afrika, bheka izinkampani noma izinhlangano ezabelana ngezinhloso nezindinganiso zakho. Yiya emicimbini, amanethiwekhi ochwepheshe futhi usebenzise inkundla yezokuxhumana ukuze wenze ukuxhumana. Yethula iphrojekthi yakho futhi uhlole amathuba okusebenzisana.

Kodwa ngaphambi kokuthi uhambe, nali ukuqeqeshwa kwe-premium okukwethulela wonke umuntu ukusebenza kwangaphakathi kokumaketha okuhambisanayo.

Kukuwe ukuthi udlale, wabelane, uthande futhi usinikeze umbono wakho kumacomments