Kijana13 Finance kwa any start up ni uphill battle, lakini guess what it is winnable. Kuna mambo lazima uzingatie kabla ujaanza kuzunguka kutafuta mtaji. Najua umeshasikia hili kwamba kati ya start-up kumi zinazoanzishwa saba zinakufa ndani ya miezi michache. What does this mean for an investor/bank? Start-up are too risky. Na hii ni kwanini start-up too risky, mara nyingi start up nyingi zinaanzishwa na watu wasio na ulewo wa biashara, mbili start up nyingi are just a single product.
Nimejaribu kufikiria jee ni nini entrepreneur angalie kabla hajaanza kuzunguka kutafuta mtaji wa kwa start up. Kwa uchache here is the roadmap.
- Know the numbers behind your business. Ukweli kwamba kama unataka kutengeneza business ambayo utaajiri watu na wewe kupata mafanikio basi lazima ujue namba. Mambo kama lini biashara itakuwa cash positive, Jee kiasi gani cha mtaji unaitaji? Jee Gross Margin zako zitakuwaje? Lini biashara ita break even, Jee ikifika sehemu fulani utaitaji tena mtaji kiasi gani? Jee mauzo kwa mwezi yawe kiasi gani ili uweze kujiendesha mwenyewe. Haya yote ni maswali ambayo lazima ujiulize na uprove majibu yako. Kama utajidanganya mwenyewe kwa kusema aaah nitauza KG 200 kwa mwezi za unga bila hata kujua Bakheresa anauza ngapi, hapo utakuwa unajiingiza chaka.
- Test and Prove your idea. Hapa ndio kikomo cha start up, idea yako itakuwa idea mpaka utakapo ijaribu na kuona inafanya kazi. Mfano mimi nimekuwa nikiwaza sana biashara ya kusindika vyakula, sababu it is not capital intensive, the market is BIG and the process is not complicated. However, nimekuwa muwazi nikitambua kwamba Waatanzania sio walaji wa process food, it's a new product machoni kwa watu so it can be mix results. So, i decide kutest the market, hivyo nitatengeneza prototype (za majaribio) na naanza na maharage kwanza, nita process 100 jars za 1/2KG Mbeya beans, kisha 20 nitagawa for different people from different background, kisha baada ya muda nitachukua survey kuona wameonaje. Kama watapenda then i know this idea can be product to the mass, kama hawa 20 wakisema NO then am ending this nonsese and think about something else. Hivyo ni muhimu sana kutest market before anything.
Kama hayo mawili hapo juu yote ni provable then unaweza kusema kwamba wewe sasa una biashara.
Ileweke kwamba kuna tofauti ya biashara na idea. Financing ziko za aina kadhaa lakini kwa start-up i will only focus on two: Angles Investors ( Mama mdogo, uncle, mjomba, jirani, kaka yako, someone you know), hawa ni jamaa zako ambao wanakuamini wewe, take your idea to this folks and ask for a certain capital with a Promise of percentage ownership katika biashara yako. Kumbuka to own 70% of a business is better than own 100% of an idea with no capital. Second is debt finance (Bank, Vikoba, Saccoss, private equity, n.k). These are the folks who doesnt know you, and they don't care about your product they only care for ROI of their money. Nakupa 1,000,000 prove utairudisha in 6 month with 20% interest rate. How to face this mean people? Below is 1,2,3
- Have a some revenue, hawa jamaa wanataka kuona jee umeshatengeneza hela. Means your business is not an idea any more. So, make sure biashara ishasimama hata kwa mguu moja kabla ya kwenda Bank kukopa.
- Be prepared: Kumbuka hawa jamaa only thing they care is their money, so lijue soko, jua forecast zako, zijue namba zako vilivyo na hapa kama uliandikiwa Business Plan be ready kutoka jasho la kwapa.
- Get use to the word "NO", jiandae kabisa kwamba wapo watakao kukwambia No lakini don't give up.
I hope this point chache zinaweza kutoa mwanga kidogo, lakini kumbuka ya kwamba wewe ndio unaijua biashara yako kushinda mtu yoyote, hivyo no one can stop you to make it happen.
Kaza msuli haya mambo yanawezekana,
80% ya kuendelea ni kujiandaa kimawazo, kama umejipanga kimawazo unakwenda. Jamani hawa kina Manji, MO, Mengi, Azam waliwezaje? If you have a tough skin kama kenge, then this is your field. Lakini kama ukipoteza 10,000Tsh unakosa usingizi, basi please kaa huko huko kwa muajiri. Failure is not permanent.