Consultants wengi wanachukua mshiko mzuri sana, so sidhani kama ni sawa kuwalabel kuwa hawajasucced.
Pia watu tunaona hao waliosucced by taking risk lakini hatuoni wote waliofeli
"According to the U.S. Small Business Administration, over 50% of
small businesses fail in the first year and 95% fail within the first
five years.? "
Mkuu,ningependa kuchangia tu kwamba hizi takwimu ni kwa vigezo vya nchi zilizoendelea, biashara ya Tanzania ina nafasi zaidi ya ku-survive kuliko ya Marekani, endapo tu itakuwa imeandaliwa na kuzingatia kanuni za kufanikiwa kibiashara, kuna tofauti nyingi baina ya kuendesha small business marekani na Bongo, In general muundo wa kibiashara ni mmoja in term of vitu muhimu kama business plans, marketing stratergy,cashflow models nk, similarity zinakomea hapo, kwani ukija katika 'market control' na 'actual cashflow' hapo ndipo inapokuja tofauti kubwa, mfano:
1. Small business owner wa Tz wengi wao mara nyingi wanaanzia kwa kumiliki 'Business Capital' wakati wale wa nchi ziloendelea kama USA wengi huanzia kwa kuchukua personal loans ama business loans kwa wale wajanja zaidi, hali ambayo inachangia kufanya faida iwe chache due to monthly repayments na interest.
2. Mfanyabiashara wa Tz mara nyingi anakuwa ameshalipia 'in advance' business premises kwa at least 6 months rent/lease ama atakuwa anamiliki hiyo sehemu, kama atakuwa amekodi hii kodi mara nyingi inatoka mfukoni katika jumla ya mtaji.
3.Makato ya tax , Insurance contribution yako juu kwa nchi zilizoendelea.
4. Labour na professional services difference, mshahara utaomlipa msaidizi wa kazi na book-keeper/accountant ni nafuu kwa Tanzania kulinganisha na Marekani.
5. Business Competition iko weak Tanzania kulinganisha na nchi kama Marekani, kama utakuwa hodari katika assessing market trend and market predictions una nafasi kubwa ya kufanikiwa Tanzania.
Ukiangalia gharama za ku-run small bussiness Marekani si vigumu kubaini kwa nini 95% zinakufa kabla hazijasimama.
Sijui takwimu za small business zikoje Tanzania lakini naamini ziko less than 95% failure kutokana na sababu hizo apo.