Je, Kuna Umuhimu wa Kuandika Mchangamanuo/Mpango wa Biashara?

Je, Kuna Umuhimu wa Kuandika Mchangamanuo/Mpango wa Biashara?

Mleta mada nashukuru kwa mada hii kiuhalisia kupitia michango ya wadau nimejifunza mambo mengi.
 
wadau salama narudi kuwachangia naona thread hii imewasheheni wajasiriamali wote wa JF
 
Mkuu mleta mada, nimeangalia andiko na michango kibao sijasoma kwa undani ila nimekerwa na nukuu ya Bonus reference:Great Businesses Don't Start With a Plan - Anthony Tjan - Harvard Business Review!

Nitakuja nichangie kisawasawa maana haya mambo ya kuona baadhi ya watu walishawahi kufanikisha mambo yao kwa kubahatisha then ndiyo tunaifanya inakuwa ni principle siyo sahihi.

Nitasoma na nitachangia lakini awali ya yote plan ni jambo la lazima siyo kwenye biashara tu ni katika fani zote, architects, surgeons, engeneers, hata waalimu wanatengeneza lesson plans! Business plan siyo kitu cha pekee sana, plan is a plan hata kama ni ujenzi wa nyumba. Kujiendea endea tu ndiyo matokeo haya Dar es Salaam yote ni skwata!! Hakuna hata pa kupitisha barabara!!

Mnaoshabikia doing things without planning mnaturudisha gizani, ni kufundishana uchawi na wengine hatuko tayari! Nitarudi !!! (Sijaisoma hoja yote mnisamehe kama nimepotoka nitajisahihisha nikiisoma yote).
 
Mkuu mleta mada, nimeangalia andiko na michango kibao sijasoma kwa undani ila nimekerwa na nukuu ya Bonus reference:Great Businesses Don't Start With a Plan - Anthony Tjan - Harvard Business Review!

Nitakuja nichangie kisawasawa maana haya mambo ya kuona baadhi ya watu walishawahi kufanikisha mambo yao kwa kubahatisha then ndiyo tunaifanya inakuwa ni principle siyo sahihi.

Nitasoma na nitachangia lakini awali ya yote plan ni jambo la lazima siyo kwenye biashara tu ni katika fani zote, architects, surgeons, engeneers, hata waalimu wanatengeneza lesson plans! Business plan siyo kitu cha pekee sana, plan is a plan hata kama ni ujenzi wa nyumba. Kujiendea endea tu ndiyo matokeo haya Dar es Salaam yote ni skwata!! Hakuna hata pa kupitisha barabara!!

Mnaoshabikia doing things without planning mnaturudisha gizani, ni kufundishana uchawi na wengine hatuko tayari! Nitarudi !!! (Sijaisoma hoja yote mnisamehe kama nimepotoka nitajisahihisha nikiisoma yote).

umesema vizuri mkuu, bila plan utakuwa unaelekea wapi? utapima vipi mafanikio? utakabili vipi changamoto? kama kuna wachache walibahatisha na wakaweza bila plan haiwezi kutufanya tugeneralize, it is too risky hasa kwa nyakati hizi.
 
Kuna ukweli dhahiri kwamba kila mjasiriamali lazima atakuwa mpango kazi wa biashara/mradi wake.Hili halina tatizo,ila naamini kabisa kwamba hiyo ni moja kati ya nyenzo kadhaa ili biashara iweze kuanzishwa na zaidi iweze kuendelea.Na kwa mtazamo wangu kuna siri kubwa hapa ambayo mchanganuo kama mchanganuo hauwezi kutegua.Ndio maana nikauliza maswali kadha ambayo wachangiaji wenzangu ama wanakwepa kujibu kwa makusudi au hawana majibu kabisa!

Nikauliza:

1. Ni kwa nini watalamu,tena waliobobea ktk michanganuo,wengi wao hawana biashara rasmi?Baadhi yao aidha wamefungua consultance offices kwa ajili ya kuwachanganulia watu wengine waanzishe/waendeshe miradi au biashara kubwa kubwa tena zenye maslahi makubwa zaidi yao,au baadhi wapo tu mtaani wanazunguka na vibahasha wakitafuta ajira.Au ndio kusema wao hawapendi kumiliki miradi/biashara kubwa?

Mimi nafikiri kuna kitu,tena kikubwa,kinamiss hapa.Kwa sababu kwa hali ya kawaida kama una mchanganuo wako mzuri sioni kwanini mtu ushindwe kuanza biashara yako hata kama ni ndogo..Lakini sioni ni kwa nini biashara ifike njiani ikwame wakati ktk mchanganuo aidha umewashirikisha watalamu,au ni wewe mwenyewe mtalamu umeuandaa..na ktk mchanganuo ni lazima umeonesha mtaji utapata wapi,soko lipo wapi,faida ikoje,gharama za uendeshaji,nk..nk..nk..

Lengo la mleta mada halikuwa kubishana,la hasha.Lengo lake ni kufanya mjadala wenye manufaa kwa watu.Mimi naamini ikiwa tunataka mjadala uwe na manufaa,tunatakiwa tusiishie tu kwenye faida za mchanganuo(ingawa sidhani kama kuna hasara zake!).Tunahitaji kwenda mbali ili tuweze kutegua tatizo ninaloona mimi.

Tatizo ninaoona mimi ni kushindwa ku-integrate nadharia ya mchanganuo na biashara halisi;kwa maana ya kuhamisha yale yaliyomo ktk makaratasi na kuyaweka katika vitendo.Na hapa ndipo msimamo wangu ulipo;kwamba,IKIWA MTU ANASHINDWA KU-INTEGRATE MCHANGANUO NA BIASHARA HALISI,BASI MCHANGANUO SI MUHIMU SANA,ILA KUNA KITU MUHIMU KINAKOSEKANA.Kumbe ili mjadala ili uwe na manufaa,tunatakiwa kutegua hicho kitu muhimu kilichojificha.

Yawezekana nikaonekana kama nahamisha mada na kuielekeza kwingine,inawezakana kwa mtazamo wa haraka..ila kwa undani wake,lazima tukubali kwamba,ikiwa mchanganuo una umuhimu huo tunaoona,then kwanini watu wengi washindwe kuutafsiri ktk biashara halisi? Tena kibaya zaidi watalamu na wasomi wenye uwezo wa hali ya juu kabisa ktk kuandaa michanganuo hii kitalamu,ndio wanaofeli zaidi zoezi hi!!

 
Nikauliza:;kwamba,IKIWA MTU ANASHINDWA KU-INTEGRATE MCHANGANUO NA BIASHARA HALISI,BASI MCHANGANUO SI MUHIMU SANA,ILA KUNA KITU MUHIMU KINAKOSEKANA.Kumbe ili mjadala ili uwe na manufaa,tunatakiwa kutegua hicho kitu muhimu kilichojificha.

Yawezekana nikaonekana kama nahamisha mada na kuielekeza kwingine,inawezakana kwa mtazamo wa haraka..ila kwa undani wake,lazima tukubali kwamba,ikiwa mchanganuo una umuhimu huo tunaoona,then kwanini watu wengi washindwe kuutafsiri ktk biashara halisi? Tena kibaya zaidi watalamu na wasomi wenye uwezo wa hali ya juu kabisa ktk kuandaa michanganuo hii kitalamu,ndio wanaofeli zaidi zoezi hi!!


Asante sana mkuu,

Mada iko pale pale, ila wewe umeeleza sehemu ya pili ya mada. Sehemu ya kwanza ya mada ilikuwa ni umuhimu wa mchanganuo wa biashara/investment, yaliyotokana na mada mama ni hili la; kwa nini basi waliobobea ktk michanganuo wao wakati mwingine hufeli kusimamisha biashara? au kwa nini basi watu washindwe kuutafsiri mchanganuo ili kutoa matokeo chanya hata kwa michanganuo walioandika wenyewe? Kuna vitu vingi sana huwa vinapuuzwa wakati wa utekelezaji wa biashara zetu, ni vidogo lakini vina nguvu kubwa sana isiyoonekana moja kwa moja ktk kusimamisha au kuangusha biashara, hivi ni pamoja na matumizi sahihi ya muda,mahusiano na wateja wako,upangaji/ukokotoaji wa hesabu,kusimamia lengo lako kwa asilimia 100,ukaguzi wa kinachofanyika sambamba na washindani wako,kubadili mbinu za ufanyaji kazi.

Tuendelee na mjadala, na hiki ndio chakula cha ubongo ambacho mjasiriamali ye yote anatakiwa ale.
 
........ Lakini pia tulishawahi kujiuliza ni kwa nini matajiri wengi elimu zao ni za kawaida sana?Jibu lipo wazi kwamba,hawa ni watu wa kujilipua! Ni watu wasioogopa risk! Hawa ni watu wenye spirit ya ujasiriamali! ...................

Upo sahihi Mkuu
Mrimi lakini ikumbukwe pia Kuwa na watu wengi waliofanikiwa kibiashara walio na elimu za kawaida haimaanishi kwamba Elimu na mipango ya Kisayansi katika Biashara siyo Muhimu, mimi ni mmoja wa watu walio wahi kujiripua kama ulivyosema na nika-lost kabisa, mpaka leo hii namtegemea Muajiri wangu kwa kila kitu hapa mjini na hii imenitia woga wa kufanya Business tena.

Ni watu wengi waliothubutu kujilipua na wakafilisika kabisa ambao ni ngumu kupata takwimu zao kutokana na profiles zao kwasasa, kwa Taarifa yako ukimfuata huyo Mengi au Said Bakhresa watakuambia sio wao tu walio anza biashara enzi zao, wapo wengi walio feli kabisa na wamesahaulika kabisa katika jamii.

Mimi naamini mtu yeyote anayefanikiwa Kibiashara bila ya kuwa na mipango thabiti anakuwa anabahatisha tu na akifanikiwa ni Bahati yake, Hivyo michanganuo ya Kibiashara bado inabakia kuwa Muhimu. Hapa hatuna Takwimu za watu waliofeli kutokana na kujiripua, wanaweza kuwa ni maelfu ya watu
 
Wadau cha kwanza kabisa ni Idea…. Nikichukua mfano wangu sikuwahi kuandika BP, haikuwa na maana kuwa sina PLAN hata kidogo na mm nina hatua kadhaa niliofikia kwa kiwango changu kwa maana naamini wapo wengi tu wanaoitamani hii point nilipo..

1. VIABILITY OF IDEAS
-May be attractive but not viable -May be attractive and saleable but still not viable or not profitable,,,, KUMBUKA
-pia ipo miradi/ biashara nyingi sana zimeandaliwa vizuri sana kitaalam na bado zimefilisika au kushindwa…na
Pia zipo nyingi zaidi waliojitosa kienyeji kwa uangalifu wa juu sana bado zimefilisika vile vile hatujui ni wapi walio
wengi zaidi au nafuu ? ? ?

The challenge is how to turning your dream/Idea into saleable product with profit..

2. Written Business Plan vs Unwritten Business Plan.
- Wakuu hakuna hata mtu mmoja hata mkulima wala mvuvi anaye fanya kazi zake bila "PLAN" tofauti iliopo tu ni wawekao PLAN zao vichwani mwao tu, Na hawa wanaoweza kuiandika ipasavyo ili hata mwingine anaweza kuitumia vema. kila kimoja kina advantage na disadvantage zake, hata hiyo written lazima iwe inabadilika/flexible kulingana hali halisi ya matokea/kuboresha/mazingira/mahitaji n.k.

Your Crucial - and Unwritten - Plan - Linda Hill & Kent Lineback - Harvard Business Review Your Crucial - and Unwritten – Plan.

unwritten business plan. You Don't Always Have to Write It Down.

http://www.sba.gov/sites/default/files/rs339tot_0.pdf Are Planners Doers? Pre-Venture Planning and the Start-Up Behaviors of Entrepreneurs

The challenge is how to convert your dream/ Idea/ Thought into a document that brings the same meaning to any one for implementation, reference, as a guide tool etc.

3. Ni bora kufanya research ya kina kuliko kujadili hao wachache waliojitosa na kufaulu tu ? ? na tene kwa hiyo miradi miwili iliofanikisha tu ? ? je kwa mfano wako Mengi na Bakheressa ni miradi mingapi WALIYOJITOSA HIVYO HIVYO NA IKA FELI/KUFILISIKA ? ?(ni zaidi 5x) na Je ni wajasiriamali wangapi tangu zamani wanajitosa kienyeji na kushindwa kwa KULINGANISHA na wale wanaoaandaa vema ? ?

4. Ni kweli kwamba kuandaa Business Plan ni bora lakini sio kigezo cha kufaulu au kufeli hata kidogo ( Is not a key factor) kuna factor zingine muhimu kuliko kama mrimi alivyoita Entrepreneurial Spirit(GETs –General Enterprising Tendencies), Entrepreneurial Culture, Organization Ethics, Availability Of Resources,
http://www.lmd.polytechnique.fr/climatekicedu/images/c/c7/Business_Planning.pdf
 
• DO YOU KNOW
HOW TO BECOME A
MILLIONAIRE?

1.Most millionaires inherited their wealth?
FALSE:
About 80%of millionaires are first generation affluent.
(self-made)
2.Most millionaires earn more than $500,000 per year.
FALSE
Less than 15% of millionaires have income over $500,000 per year.
3.College graduates earn about twice what high school graduates earn over a 40 year work life.
False
In fact, according to 2007 Census Bureau statistics, the average college graduate earns 78%
More than the average high school graduate.
People with professional degrees earn 255% more.
4.All Millionaires wear expensive clothes.
FALSE
90% of all millionaires have never paid more than $1,000 for a suit.
5.Millionaires usually drive new cars.
FALSE
Only 25% of millionaires drive a new car
50% drive a car 2 year old.
6.Many millionaires drop out of college to start their business.
FALSE
80% of millionaires are college graduates.
7.It is impossible to save enough money to become a millionaire.
FALSE
If a 22 year old college student saves
$50.00 per week during his or her entire work life and earns 9% rate of return, the saver would have more than $1 million by age of 63.
$10.00 per week earns you about $200,000.

http://facts.randomhistory.com/millionaires-facts.html

Tafadhali Ndg MRIMI soma hii kwa makini, hasa namba 6. utagundua vitu tofauti natamani kukaa na wewe maswali yako yana busara ni muhimu saana kwa watu wengi tatizo ni muda tu naweza kuyajibu tena kwa wepesi na utabadili mtazamo wako, na mm pia nilikuwa kama wewe ,,,,
 
Chasha,
Nafikiri kuna vitu hapa watu wanachanganya mara nyingi mtu akipata Wazo la biashara(Business idea) hukimbilia kuandika business plan na kuanza kusaka pesa au kufanya utekelezaji wa biashara husika hivyo wengi wanaruka kufanya Visibility Study kabla ya kuandaa Business plan zao.Hivyo business plan zinakosa back up ya utafiti wa wazo lake la kibiashara.
Business Plan ni driving vehicle kwa biashara ikiwa imefata hatua zote itakuwa kama reference point yako.

Makirita,

Napenda nikubaliane na wewe kuwa Mchanganuo wa biashara ndio kigezo muhimu kuonyesha kama biashara yako inakuwa na ndo njia ya kukuelekeza katika ukuaji wake na pia ndo inaonesha kama unafata Vision yako uliojiwekea na inatakiwa kuwa Reviewed annually.Kwa kila mwaka unapofunga hesabu zako kuelekea mwaka unaofata ni lazima upitie upya Mchanganuo wako wa biashara ili uone kama kuna Tofauti(Variance).Ukiwa unaandaa budget yako ya mwaka unaofata kigezo kikubwa cha kuangalia ni Mchanganuo wako.

Ericus,
Ukichukulia mfano wa Bakhresa,hiyo Visibility study (Upembuzi yakinifu) ulionyesha kuwa business iko Viable or not kwani haiji kusema kuwa ilikuwa na High risk with negative return;hii analysis haikuwa sawa ndo maana hata yeye aliipiga chini.Business plan yake huenda ilionesha gharama kubwa za uanzishaji wa biashara yenyewe huku payback period ikiwa na muda mrefu huenda ndo maana waliona ina High risk vinginevyo lazima ingekuwa profitable tu.Sababu zipo nyingi huo mtambo wake unauwezo wa kudhalisha bidhaa ingine tofauti na hiyo ya Azam Cola.

JE NI MUHIMU AMA LA!
Ni muhimu sana kuandaa Mchanganuo wa biashara kama ukiwa very serious na biashara yako.Hii itakusaidia kwenye suala la budget kujua kama unaweza kumudu biashara yako,pia ndo roadmap ya biashara yako kwani ndo hapo unapoona kama Vision/mission yako zinafatwa na utazifikia,Business Plan ni checklist ya unachokifanya katika biashara yako.
Kwa biashara ya leo gharama ya kutokuwa na business plan ni kubwa sana ukilinganisha na kuwa nayo.Bora uwe nayo ili ikusogeze mbele.Hapa nakubaliana na Chasha kuhusu kuandaa mwenyewe na sio lazima iwe na kiufundi sana ila ni kuzingatia dhamira ya unachokifanya.
 
Plan ni lazima, ingawa sishabikii kuufuata ushauri wa kila mtaalamu, lakini kwa kila lengo ni lazima uwe na plan jinsi gani utalifikia. Hapa ndio unakutana na mikopo nk. Mifano ya wajasiriamali hao wawili ni kuwa tayari waliishafanya utafiti na kufikia malengo yao. Mengi alihitaji extra capital na mwingine hakuhitaji lakini tunaona washauri au watalaamu wetu waliwakatisha tama hivyo kuamua kuendelea na malengo yao. Bila plan huwezi fanya kitu ila simaanishi complicated plans ambazo unaomba kutengenezewa hata wewe mwenyewe huelewi inamaanisha nini. Ndo maana watu wanachukua mikopo mikubwa kwa plan hizi za kutengenezewa na ma cashflow yasiyo real kwani hawajafanya utafiti wowote matokeo yake biashara zinaanguka wanashindwa kurudisha hii mikopo. Plan uwe nayo mwenyewe na hapo utajua ni means gani za kufikia malengo yako sio kuchukua ya mtu au kuandukiwa bila kuielewa vizuri.
 
Plan ni lazima, ingawa sishabikii kuufuata ushauri wa kila mtaalamu, lakini kwa kila lengo ni lazima uwe na plan jinsi gani utalifikia. Hapa ndio unakutana na mikopo nk. Mifano ya wajasiriamali hao wawili ni kuwa tayari waliishafanya utafiti na kufikia malengo yao. Mengi alihitaji extra capital na mwingine hakuhitaji lakini tunaona washauri au watalaamu wetu waliwakatisha tama hivyo kuamua kuendelea na malengo yao. Bila plan huwezi fanya kitu ila simaanishi complicated plans ambazo unaomba kutengenezewa hata wewe mwenyewe huelewi inamaanisha nini. Ndo maana watu wanachukua mikopo mikubwa kwa plan hizi za kutengenezewa na ma cashflow yasiyo real kwani hawajafanya utafiti wowote matokeo yake biashara zinaanguka wanashindwa kurudisha hii mikopo. Plan uwe nayo mwenyewe na hapo utajua ni means gani za kufikia malengo yako sio kuchukua ya mtu au kuandukiwa bila kuielewa vizuri.

Umesema vyema.
 
Nimemuweka kama example naye jinsi alivyokuwa na lengo na kukomaa nalo pamoja na vikwazo vya mikopo na ushauri wa watu. Hakukurupuka na wazo toka Canada, alifanya utafiti na kuiona fursa hii kisha kuifuatilia....


Television entrepreneur, Dorothy Ghettuba, explains how she got to where she is today

BY Dinfin Mulupi | July 9, 2013 at 21:35

Four years ago Dorothy Ghettuba quit her job at a venture capital firm in Canada and moved back to Kenya to follow her passion for TV production. With no education or experience in the field, the only thing Ghettuba was armed with was her determination to make it.

“There was no plan B. When I was packing up my stuff and leaving a good job, and leaving a comfortable life in a place where people have first world problems of ‘can I have the strawberry or the vanilla one’… failure was not an option,” she said.

Ghettuba is the founder and CEO of Spielworks Media, one of Kenya’s leading production houses. Some of its TV shows include Block D, Lies that Bind, Higher Learning, Saints, Ladies 1st and civic education drama series Know Your Constitution, which have aired on TV stations both in Kenya and outside the country.

Ghettuba told How we made it in Africa that she has always had a passion for acting but could not pursue it as a career after high school because it was not financially sustainable. She went on to study communications and political science at Andrews University in Michigan, United States.

When she visited Kenya for a friend’s wedding, Ghettuba was amazed by how a local TV station had risen from the bottom to become the most popular station because it aired local content. “I saw an opportunity to create quality content,” said Ghettuba, who is also an actor, singer and writer for film and television.

Although she went back to Canada after the wedding, Ghettuba thought hard about the opportunity she had witnessed. “I had to decide; do I want to stay in Canada and do what has already been done and [be] this small fish in a big sea or do I want to come to Africa?”

Eventually she decided her best bet was on Africa and Ghettuba set up Spielworks Media while still in Canada. “I had always known I was not coming home to be employed,” she added.

Just months after turning 30, Ghettuba packed her bags and moved to Kenya.

“It was tough because I had never done this before,” she explained. “It is always risky; packing and leaving everything. I left Kenya when I was 18. I had never lived in Kenya as an adult. Coming back home, for me, was a new experience. But I am a risk taker. I am very daring.”

Despite the challenges, Ghettuba was determined to make it. She joined a local TV show as a production manager and learnt on the job. “It was baptism by fire. It was so hard. Mistakes were made, lessons were learnt, but that is what it is. From the producers I learnt how not to produce. I am forever grateful… I would not swop that experience for anything whatsoever,” she said.

After six months, she decided to begin working on her own production. She came up with an idea and presented it to a network executive who loved it, but demanded to see a pilot. However, Ghettuba did not have money to finance the pilot and the network executive was not willing to write a cheque just yet.

Drawing from her knowledge and experience in venture capital financing, Ghettuba approached her family and friends and managed to secure some money.

“I remembered [that] people don’t buy into an idea, they buy into people,” said Ghettuba. “Money came from people who thought I was nuts, but they also wanted to support my dreams. When you want to start a business and you really believe in it, look at your inner circle [for financing].”

Ghettuba took the pilot to the network executive who wanted to pay half the price she had asked for. She knocked on more doors and eventually a local station picked up the drama series Block D. That opened doors for more productions.

“We have come a long way,” she added. “We are now going to be shooting four drama series and five talk shows simultaneously. That is very exciting. We are really pumping content because content is the new petroleum.”
Ghettuba is, however, surprised by the success Spielworks Media has achieved in just four years. “I knew there was potential; the speed however is very surprising. The demand for local content has been crazy.”

She attributed the increasing demand for local content to the growing pride among Africans in their heritage and stories. People in the continent, she said, want to watch stories that resonate with them. Outside Africa, curiosity is also fuelling demand for African content.

“People want to know about Africa. Long gone are the stories of ‘do you ride giraffes to work’ or ‘do you live with lions’. Our show is in the UK and in France. People are curious and we shoot scenes in slums and in shopping malls. Content is in great demand, that is why it is the new petroleum.”

Ghettuba reckons that while she has faced various challenges in her journey in entrepreneurship, she chooses not to focus on them. “Every challenge to me is an opportunity.”

She is optimistic about the future of Africa’s entertainment and arts industry. “There is massive talent here, especially talent that is untapped. It vexes me. I want to make creativity a financially viable option and parents will entrust their children with me. They will let their kids be actors, singers, directors and lighting assistants,” she said.

Ghettuba’s plan for the future is to grow Spielworks Media into Africa’s version of the US motion picture studio Universal Pictures. She hopes to achieve this in the next three years.

“Things happen in two ways; first they are created in the mind and then you do them. Nothing is impossible. I just think that if you can dream it, you can achieve it.”

Besides, Ghettuba noted, Africa is the place to dream big and live those dreams. “This is the place; there is a buzz in Africa. You dream big, you dream in colour, you believe it and then you get wonderful people and you work with them. You just do it.”

She encouraged other aspiring entrepreneurs to acknowledge their fears but not dwell on them. “This is how I look at fear. It is something I read; a fog that spreads across 100 blocks, when condensed fits a glass of water. You must look at this like a glass of water. If you then put it in perspective, you are able to overcome it,” said Ghettuba.

Entrepreneurs, she added, ought to believe in their dreams and be tenacious. “Giving up cannot be an option. If you fall down, because we do, you get up and go again.”

Ghettuba said she hopes to see collective growth in Africa where people work together to lift each other up. “We are doing it at our company. I am determined that the parking space at our company should be filled with cars,” she said. “If you want to go fast, go alone. If you want to go further, go with others.”

Regardless of their circumstances, Ghettuba advised the African youth not to adopt a defeatist attitude, arguing that a lot of people who are successful today did not inherit their success but worked hard for it.

“There are fewer Paris Hilton stories than there are rags to riches stories,” Ghettuba added.
 
Planning ni kitu ambacho u cannot escape from; ukifamtilia mtoa maada vizuri,utagundua kwamba, alifocus kwenye financial institutions ambazo zingeweza kumpa mkopo mengi,kwa bahati mbaya akachekwa; Issue ni kwamba,planning sio kupata finacial assistance too,ile ndio inaleta viability ya business,startng from Business descriptions to financial projections,pia inatumika kufanya evaluation timely,either ya production,sales ata personnel,so planning makes anythng straight.
 
Mkuu mleta mada Ericus Kimasha, heshima kwako Mkuu, niliahidi kuchangia mada hii. Hata hivyo sitaweza kufikia kina nilichotarajia kutokana na kutingwa na majukumu. Pamoja na maelezo mafupi nitakayochangia hapa nimeshikisha (attach) PDF files zinazohusu Mchanganuo, ingawa ni miradi ya ufugaji lakini kimsingi mtiririko ni ule ule hata kwa yule anaetaka kufungua biashara ya kuchoma mkaa kama mimi! Kwa hakika wachangiaji wengi wameshadonoa karibia maeneo yote niliyokuwa nichangie, hakika kwa mwenye nia ya kujifunza imeshaelezwa tayari kuwa kupanga kabla ya kutenda ni muhimu sana. Machapisho niliyoyashikisha hapa yanaeleza kwa nini na kwa jinsi gani mchanganuo wa biashara hufanyika. Kuna mifano ya plan na kuna TEMPLATE ya plan. Ni ndefu kusoma inahitaji utulivu na ni kwa wenye nia ya kutaka kujua mambo.

Ninakubaliana kabisa na wachangiaji waliotangulia kwamba watu wengi huwa wana plan zao vichwani,bali huwa hawaziweki kwenye maandishi. Ni watu wachache sana wenye kujaaliwa kujiongoza vema kwa kutegemea kumbukumbu za kichwani. Kwa hiyo plan ya maandishi ni bora zaidi kuliko kutegemea kumbukumbu ya kichwa. Kadri biashara inavyozidi kuwa kubwa ndiyo mambo ya kuzingatia kwenye hiyo biashara huwa yanaongezeka. Biashara ndogo mtu anaweza kumudu kuiendesha kwa kuongozwa na kumbukumbu kichwani tu. Lakini unapotarajia kujiingiza kwenye biashara unayotarajia kukua na kuwa kubwa zaidi ni muhimu kuichanganua na kuweka kwa maandishi kwa sababu si rahisi kwa kutegemea kichwa pekee ukaweza kukumbuka mikakati yote na mambo yote bila kuwa na kumbukumbu ya maandishi.

Kuna jambo la muhimu ambalo ningependa nisisitize sana ndugu zangu. Kuna maoni ambayo yamekuwa na mwelekeo ya kuponda utaalamu na wataalamu wa masuala ya biashara na ujasilia mali kwa ujumla. Kwa mfano kudai kwamba hao wanaofundisha ujasilia mali au michanganuo ya biashara wao wenyewe hawana biashara! Hivi ndugu yangu wewe ukija kwangu umekwama kuangusha embe mtini nikakuelekeza kwamba unaweza kuangusha embe kwa kupanda kwenye mti au kutupia jiwe au kwa kutafuta ngazi ukapandia hizo embe! Ukitoka hapo unaanza kuhoji kwa nini sina miembe? Au unahoji kuwa kwa nini sijazidodosha embe hizo kama kweli mimi ni mtaalamu?!! Kitendo cha kuponda utaalamu na wataalamu ni kutia sumu kubwa kwenye jamii. Utaalamu ndiyo unayoendesha dunia hii, wanayoeleza na kufundisha wataalam ni kutokana na mafunzo yaliyotoka kwa hao hao kina Bakresa na kina Mengi mnaowakubali na kuwasikiliza.

Utaalamu tunaofundishwa na wataalmu leo hutokana na majasiri waliowahi kuanza wenyewe kwa maono yao (mfano wa Bakhresa) wakafanya mambo makubwa baadae watu walifanya tathmini na utafiti kujua ni kwa jinsi gani hao majasiri waliweza kufanikiwa! Ndivyo masomo yalivyoanza hadi kuitwa somo la uchumi au biashara. Ndiyo maana leo kuna wachumi na washauri wa masuala ya biashara. Ndiyo hao wataaalamu wanaoshauri watu na kuelekeza jinsi ya kufanya michanganuo ya biashara. Hao wanaofundisha hawafanyi biashara kwa sababu ni mgawanyo wa maisha. Huwezi kufanya kila kitu. Nchi zilizoendela matajiri ndiyo wanaendesha sana semina lakini si sahihi kukaa tukisubiri kina Mengi pekee waje watufundishe. Je huwezi kuchukua utaalamu kutoka kwenye kitabu eti kwa vile kitabu hakiwezi kuongea au hakiwezi kufanya biashara, hakuna mantiki kwa hili!! Ni muhimu sana kutumia wataaalamu pale wanapoweza kupatikana kwenye eneo ambalo umetatizwa au unataka kuboreka! Hii inaokoa muda sana kulikoni kung'ang'ana kufanya jambo kwa kubahatisha wakai kuna watu mamilioni walishalifanya jambo hilo hilo na si tatizo tena.

Si kila mtu anaweza kujitengenezea mchanganuo wake, kuna wengine lazima washikwe mkono na waongozwe njia. Watu wengi wamefanikiwa kwa kufundishwa, kuongozwa na hata kufuatiliwa hadi wakasimama! Yapaswa kila mmoja awe na mshauri wake, awe na mtu anaeweza kumkosoa, kwa kiingereza wanaita Mentor. Leo hii kuna watu wanadiriki kusema masuala ya kufanya biashara hayafundishiki bali inategemea ukoo ulikozaliwa??!! Kweli??!! Hata kama mtu ana damu ya ujasiria mali lakini lazima ajifunze mbinu toka kwa wajuaji (wataalamu) aweze kuboreka zaidi. Ni budi ndugu zangu kutafuta utaalamu kwa nguvu zote, kwa sababu siri kubwa ya kufanikiwa kwenye ujasiria mali ni kuwekeza sana kwenye kujiboresha kichwani kwanza! Yaani kukisheheneza kichwa kwa kulisha maarifa mbali mbali yanayohusiana na eneo unaloshughulika nalo kwa gharama yoyote. Uwe tayari kusafiri kufuata semina inayohusu fani yako, uwe tayari kulipia gharama kununua machapisho, CD, vitabu ili uweze kupata utaalamu. Uwe karibu na ufanye urafiki na wajasilia mali waliofanikiwa ujue siri za mafanikio yao.

Watu wengi waliofanikisha mambo yao huwa wanaiachia dunia usia kwa kuandika vitabu, humo kwenye vitabu ndimo utakuta siri nyingi za kufanikiwa kwao. Sisi waafrika na hasa watanzania tukikazana kuponda wataalamu na utaalamu na kudai kuwa tunaweza kujifanyia mambo yako tu kimachale machale na ishu zikaenda, kwa kujipa moyo kwamba mbona fulani na fulani wametajirika kwa kubangaiza bangaiza tu tunajichelewesha! Tunaweza kwenda kwa spidi zaidi kwa kutumia wataalamu. Hii dunia ya leo si kama ile walikoanzia kina Bakhresa, Mengi na kina Mzee Mfugale (Peackock hotel) hii ni dunia yenye ushindani mkubwa sana na mabadiliko yanayotokea kwa kasi ya ajabu! Tunapaswa kuheshimu utaalamu, tujifunze na tuwetayari kugharamia kulipa hao washauri mbalimbali hakuna mtu atakuja juta kwa kupata ushauri toka kwa wataaalamu kama vile ambavyo itakuwa bila kupata ushauri toka kwa wataalamu.

Nimeandika hayo yote kwa vile nimeona wachangiaji kadhaa mara nyingi sana wanaponda sana utaalamu. Tafuteni utaaalamu kwa nguvu zenu zote ikiwamo jinsi ya kuandika mchanganuo wa biashara. Hii si kwa ajili ya mikopo tu bali hata kwa shughuri zenu binafsi, na unafanya mchanganuo simple tu kulingana na hali halisi ya uwezo wako na aina ya biashara yako! Kupanga ni jambo la lazima! Kuna mtaalamu mmoja alisema: lifanye jambo hadi liishe kabla ya kulianza. Yaani fanya biashara yako mezani kwanza (mchanganuo) hadi uione faida kadri unavyotaka iwe ndiyo uingie ulingoni kutekeleza.

Nawasiliasha attachments. Msinichoke maandiko marefu ndiyo BRAND yangu heshima kwako Mkuu Malila.
 

Attachments

KUBOTA najua unanizungumzia mimi, ok niko mbali na sitaweza kuandika vyema kwa kutumia simu ila by kesho au kesho kutwa nitajibu
 
KUBOTA najua unanizungumzia mimi, ok niko mbali na sitaweza kuandika vyema kwa kutumia simu ila by kesho au kesho kutwa nitajibu

Ha ha haaaaa!! Mkuu Chasha hivi kumbe nimekugusa! Hata hivyo kwa asilimia kubwa naafikiana sana na michango ya post zako kwenye thread hii!! Anyway nasubiri mchango wako tuendelee kuelimika. Njoo Mkuu, lete raha.
 
Mkuu KUBOTA (na wengine wengi) shukran kwa maoni yako, lakini ningependa kuwajua hao wataalam ni wapi ? ? ? je ni yule aliyejufunza field/mtaani na kufanikisha kama vile Bakheressa au Mengi ? ? ? au ni yule aliyekaririshwa ndani ya vyumba vya madarasa tu na yeye hana hata mfano hai ? ? Nahisi wewe utakuwa aidha Mhasibu / Finance Manager/ economist by professional na kama nimepatia kwa akili yako kubwa inavyoonekana na kwa kujiamini nakushauri uongezee kusoma program yeyote ya ENTRPRENEURSHIP nadhani utakamilika haswa,,,,,,, sisi tunasema DARASA LA UHAKIKA NI VITENDO,,,,

Who is a Professional Entrepreneur ? ? juma mwenye degree tatu za biashara au Bakheressa na Mengi ? ?
Kimsingi utaalam maana yake ni kuwa na maarifa mengi ya kufanikisha mradi au jambo fulani,, Je unadhani huyo Bakheressa hana hayo maarifa ? kwa uhakika hao wafanyabiashara wana madegree zaidi ya tatu tatu hasa ukifanya assessment ya kitaalam utakuta yale yote yalioko madarasani wanayajua yote.

Vile vile kusoma kwa maana ya elimu ili kupata maarifa sio lazima uingie darasani ? mfano mzuri wa elimu ya field/mitaani ni Raisi wa S.A. Jacob Zuma ambaye wanadhani hata hiyo primary education hana...
mfano wa pili ni huyo Bakheressa na wengine wengi tu....

Sasa basi kuhitimisha mimi nasema kama ni mtaalam wa uhakika kama ulivyoshauri ni hao ma mentor kama Mengi, Bakheressa, na wengine wengi uwaulize plan zao wanaziandikaje, n.k. sababu lazima wanazo na ni muhimu...

Chasha , Mrimi, Malila, Ericua Kimasha naomba maoni yenu kwa hili shukrani
 
NIANZE NA BUSINESS PLANING

1. Business Plan ni biashara na nisha zifanya sana nikuhakikishie kwamba Business plan huwa zina editiwa tu na si kweli wale watu wako kukusaidia biashara yako ikuwe ila wao kikubwa ni pesa, na unaweza fika kwa muandaaji akaanza kukulisha maneno, nimefanya sana najua A to Z za michanganuo ya biashara.

2.
Unaweza mwandikia mtu mchanganuoa na asiweze kabisa kuu present au kuu tafasiri na hiyo ipo sana, wewe wafuate watu waliandikiwa michanganuo yao na waulize hapa ina maanisha nini, na hata ku present huwa ni ishu sana wengi hawawezi kabisa ku present na ni hizo hizo za Kiswahili si za kingereza

3. Mchanganuo Bora ni ulie wenye mawazo yako 100% bila kujalisha kama umefuata fomat au la, hata kama umeandaa mchanganuo wa page Mbili unaweza ukawa bora kuliko mchanganuo wa Page 30, Mchanganuo unahitaji mawazo yaw ewe mwenye biashara, ila kwa watalamu kinacho fanyika ni kukulisha ,maneno ambayo hujui hata kuya Implement

4. SO BADO NAAMINI UNAWEZA ANDAA MWENYEWE MCHANGANUO WAKO NA SI LAZIMA UWE SIJUI NA KILA KITU NO, UNAWEZA ANDAA JINSI WEWE UNAVYO ONA INAFAA KWA MATUMIZI YA BIASHARA YAKO,
ELIMU YA UJASIRIMALI

1.
Mkuu Kubota hizi elimu za sijui ujasirimali ni bisahra na ilianzia huko Ulaya na hata wazungu wanajua kabisa Ujasirimali hauwezi fundishwa, Kwa sasa vyuo vingi vinatoa Elimu ya Ujasirimali lakini ni Biashara tu kwa sababu husomi bure unalipa ada, MZUMBE UNIVESITY WALIKUWA CHUO CHA KWANZA KUANZISHA KOZI YA UJASIRIMALI, BUT FUTALIA NI WANGAPI WALITOKA PALE WAKAENDA KUJIAJIRI


2. UJASIRIMALI
Mkuu Ujasirimali, haufundishwi na hautakaa ufundishwe, kinacho fanyika ni biashara, na mimi ni metrain sana haya mambo, nina kila aina ya training manual hadi za kutoka India na vifaa kibao vy kufundisha Entreprenership but ni kuhakikishie Ujasirimali haufundishi,

NI KWA NIN I HUWEZI FUNDISHA UJASIRINMALI?
- Huwezi Fundisha Commitment, hakuna chuo chini ya Jua kinacho fundisha Commitement, sasa kama umehuzuria kozi hata 1000 za ujasirimali na huna commitement ni kazi bure mkuu so that is why huwezi fundisha ujasirimali hata siku moja

- Confidence mkuu hakuna mahali popote inapo fundishwa hii kitu, kama huna ni huna tu mkuu, no way out, hakuna Chuo cha kufundisha Confidnace,

- Kuwa Risk taker, hakuna sehemu ya kufundisha hii kitu
- SPIRT, Hakuna sehemu Chini ya Ujaua inapo fundishwa Entreprenership Spirit na this is why Ujasirimal haufundishwi, Spirit inatoka moyoni mwako kwa 100% huwezi lishwa, huwezi lazimishwa kuwa na spirit huwezi ombwa kuwa na Entreprenetship Spirt.

- ENTREPRENERSHIP SPRIT NI LIKE MAPENZI, Mkuu huwezi laizimishwa kupenda mtu, hakuna CHUO DUNIANI CHA KUFUNDISHA MAPENZI, MAPENZI HUTOKA MOYONI MWAKO NA NDO FALL IN LOVE INAPO ANZIA, NA TIME UNAPO FALL IN LOVE KWA SOME ONE NDO PALE UNAONA MTU NAKUWA KAMA MJINGA,

- Enreprenership Spirit in force Fulani kama iliyoko kwenye Mapenzi, na katika mapenzi watu waliongia kwa ishu ya pesa ndo maana unaona ndoa zinakaa mwaka zinasambaratika,

VYUO NA WATALAMU WA UJASIRIMALI


-Mkuu hii ni Biashara kwa 100% na ilianzia Ulaya kwa wazungu, na ni njia za kuishi tu, hivi vyuo wanapewa pesa nyingi sana kuendesha mafunzo ya Entrepreneurship, Chukulia mfano wa MZUMBE, SUA, UDOM na UD zinatolewa kozi za kufa mtu za Ujasirimali ila kaulize what is next au waulize wanao soma hizo kozi, wana malengo gani baada ya kumaliza hizo kozi, hapo ndo utakubaliana kwamba you can't teach entrepreneurship

KOZI ZA UJASIRIMALI
Mimi mwenyewe nimefanya hizi kazi sana, tulikuwa tunatoa kozi hizi si vijijni si mjini, na tunawaachia na Handout za kusoma, Ila katika fuatilia zangu hakuna hata mmoja aliye toka kutokana na yale mafunzo
Mpaka sasa mimi huwa natoa hizi semina ila najua kabisa kuwabadili watu ni vigumu sana,
So hizi kozi na semina ni sehemu ya kula pesa na hata mimi nimezila sana, ila ki ukweli hakuna mafanikio yoyote na ni njia za watu kusihi mijini,

WAFUNDISHA UJASIRIMALI
Bado nasisitiza ni vizuri na wao wakawa na hata kibadanda cha Kuchajishia simu, ili basi inapo kuja practical uwaonyeshe kwamba wewe una kibdanda cha kuchajia simu, ni kama maafisa ugani wanavyo takiwa kuwa na mashamba ya darasa

Mwisho, Mimi ninacho ongea ndo kilivyo so Pamoja na Kuandaliwa Mchanganuo hata kama umeandaliwa na Mengi,halafu akakupatia bila kuwa na spirit ni kazi bure, hata ukimuona mtaalam wa biashara akakuelekeza jinsi ya kuuza sijuia kupanga bei kama huna hizo ni kazi bure

UJASIRIMALI NI TOFAUTI NA ISHU YOYOTE ILE NA NI KAMA MAPENZI VYOTE HUTOKA MOYONI MWA MTU MWENYEWE, UNAWEZA FUNDISHA MTU KUTENGENEZA HATA GARI ILA SI KUWA MJASIRIMALI
 
Mchanganuo Wa Biashara si kwa ajili ya Kupeleka Benk pekee, Mchanganuo una kazi nyingi sana katika Biashara.

1. Kwanza hutakiwi kupelekea watu wakuandalie Mchanganganuo wako, Mchanganauo unatakiwa utokane na kile unacho amini wewe

2. Vision na Mision ni muhimu sana katika Biashara yako unapelekea watu wa edit na kuweka wanavyo taka ni mbaya sana

3. Kilichopo kwenyeVision ni lazima kifikiwe.

4. Wafanyakazi wako wanatakiwa wausome mchanganuo wa Biashara yako kabla ya Kuanza kazi, wengi hatufanyi hivyo matokeo yake wafanyakazi wanafanya kazi bora liende na hawajui kampuni ina malengo gani au imejiwekea malengo gani.

5. Mchanganuo ndo time table yako, manake ndo time frame ya kila kitu.

6. Kwa wale wanaotafuta joint venture ni lazima uwe na mchangauo wako.

7. Mambo yanapoenda vibaya kwenye business sehemu ya kufanya mlinganisho ni kweye mchanganuo wako.

Mkuu hapa kunamambo tuko pamoja lakini kuna ishu tunapishana njia kidogo ila tuendelee kujadili tu. Mkuu hapo juu umeanza vizuri kabisa kuafiki kwamba mchanganuo ni kitu muhimu sana si kwa ajili ya mikopo pekee, hapo tuko pamoja.

Nakubali kwamba unatakiwa uandae mchanganuo unaoendana na mahitaji yako. Lakini suali linakuja, kwa wale ambao si mahodari wa kuandika mchanganuo na wameshagundua na kukubali kuwa ni jambo la muhimu je wasihangaike kutafuta mtu wa kuwaelekeza na kuwaongoza jinsi ya kuandika! Mkuu Chasha hata wewe si kuna siku ya kwanza ulisikia kitu kinaitwa mchanganuo kisha ukajifunza hadi ukabobea kisha ukaanza kutafuna pesa za watu? Sasa hawa chekechea wasioelewa ndiyo hao unawaeleza wasiende kandikiwa sasa waende wapi na wafanye nini iwapo tayari mwenyewe umeshakubali kuwa mchanganuo ni kitu muhimu. Nadhani kuna option mbili kujifunza ili uweze kujiandikia au kutumia wajuaji wakuandikie.

Mshauri mzuri na mtaalamu mzuri lazima anapokuandikia azingatie mahitaji yako. Vinginevyo cha kufanya ni kujifunza jinsi ya kuandika ili uweze kujiandikia mwenyewe. Na ni lazima uwe tayari kugharimia mafundisho hayo. Mengine yote uliyoorodhesha nakubaliana nawewe mia kwa mia. Na yote hayo yatatimia iwapo mtu atajifunza jinsi ya kuandika huo mchanganuo, kumbukeni si wote ni werevu kuweza kujiandikia na kwa vile watu wengi tunataka washiriki kwenye kuchangia maedeleo kwa uzalishaji ni budi watu wafundishwe badala ya kutazama mifano ya majiniazi wachache walioanza kimjini mjini hadi wakanunua NMC pale TAZARA.
 
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