Nifanyeje ili nipate mkopo wa kuanzisha biashara

Je mnatoa nafasi kwa entrepreneurs ambao wana business ideas na wangependa kuja kwenye network yenu kuja "ku-pitch" hiyo idea ili watengenezewe Business Plan?

QM hiyo ndiyo haswa lengo la BID na utasaidiwa pia kupata coach wa kukusaidia kuimarisha business ideas yako kama business yako itaonekana endelevu kukopesheka.

I am trying to digest that using common sense.
Thank you MaJiMoTo, I will keep that in mind!


SOURCE: bidnetwork.org


.

MAJIMOTO said:

Je mnatoa nafasi kwa entrepreneurs ambao wana business ideas na wangependa kuja kwenye network yenu kuja "ku-pitch" hiyo idea ili watengenezewe Business Plan?

QM hiyo ndiyo haswa lengo la BID na utasaidiwa pia kupata coach wa kukusaidia kuimarisha business ideas yako kama business yako itaonekana endelevu kukopesheka.

Click to expand...

Great!

Itabidi nikipata muda nitembelee website ya BIDNetwork na kuweza kuelewa kwa undani zaidi.

Maswali Mengine:
1) Je hizo Business Plans zinakuwa reviewed na professionals or UD students?

2) Mnawahakikishia vipi wateja/memba wenu kuwa business ideas/plans zao haziwezi kuibiwa au kuwa leaked somehow? Ni mbinu gani mnazitumia kulinda hizo business ideas? (Hamna kitu kibaya kama kuibiwa business idea)

How to use the BiD Network?
The BiD Network consists of 3 areas
• Invest
• Present your business
• Support
The Network is a meeting place for SME entrepreneurs, investors, experts and organisations. They can ask for advice or financial support, compete in the BiD Challenge or coach a participating entrepreneur and share information, business plans, news and discussions.
Invest
1. Register as a Member - Become member of the BiD Network, contribute to it and interact with other members.
2. Complete your Profile - Pull down the menu above and select "edit my profile" on the left side. Upload your pictures, add keywords, your address, and interests so other members can find you. After completing your profile use "Similar" to find people, plans, organisations, news and events, relevant to you.
3. Find People - Pull down the menu and check the meet column to find people, organisations, funds and plans. Type a name or a keyword and find people or organisation who share your interests. You can connect friends, experts or other 'people you know' to your personal profile.
4. Discuss in Forums - You can discuss topics with the whole community or in a closed groups of friends. Also, you can add comments or questions to news articles, persons and plans.
Present your business
1. Add a Business Plan - Write a Business plan and make it visible in the Network to find business partners, investors, finance or the expertise you need to start-up your business. Or submit your business plan to the BiD Challenge and win prize money and coaching.
2. Find BiD Plans - Search for business plans by typing the keywords or countries you are interested in. All plans have a business summary page, most of them also have a details page, photos and documents. Also, all plans have context information like region, sector and the kind of support they need. Use this context to find Similar plans, news, persons or other information.

Click below to see all funds and financial organisations in the BiD Network.

http://www.bidnetwork.org/listpublish-36244-en.html?start=0

Click below to see overview of all suppoting organisations.

http://www.bidnetwork.org/listpublish-35736-en.html

Great!

Itabidi nikipata muda nitembelee website ya BIDNetwork na kuweza kuelewa kwa undani zaidi.

Maswali Mengine:
1) Je hizo Business Plans zinakuwa reviewed na professionals or UD students?

2) Mnawahakikishia vipi wateja/memba wenu kuwa business ideas/plans zao haziwezi kuibiwa au kuwa leaked somehow? Ni mbinu gani mnazitumia kulinda hizo business ideas? (Hamna kitu kibaya kama kuibiwa business idea)

What do the trust settings mean? Why is it important and what are the choices? How do I avoid that someone misuses my concept?

Trust settings are for you to protect your intellectual property (IP) and determine the visibility of your plan. You can share as much or as little as you would like with network members. Trust settings are controlled by you. When you are editing your plan you will see a box on the top right with TRUST SETTINGS - you can change this from me to everyone or all members only your contact persons. Below is a small example of what trust settings can do.

View: Who may see and read what you create? This is your default
setting. For each item you create, you can change this ´view´
setting.
React: Who do you allow to comment on your contributions?
Link: Who do you allow to add links to your contributions. e.g. keywords?
Edit: Who you will allow to edit your contributions?
Everybody; members of this site; people I know; friends; me


How can I be sure that my plan is ‘safe’ with the BiD Network and that it will not be copied?

The only people who can see all plans are the webmasters and screeners who have all signed a confidentiality agreement and your coach. Within the context of the BiD Challenge, the jury members, assessors, coaches and members of the BiD Network organisation declare absolute confidentiality with regard to the information and documents that reach them during the contest and after its closure, by signing a confidentiality agreement. Please read the terms and conditions for more information.

To furthermore ensure the safety of your plan, you can set the trust settings of your business plan.

In Tanzania, a total of Tsh 44.200.000 in prize money, were given out during the final award event which was held on 8th November 2007 at Movenpick Hotel in Dar es Salaam.


http://www.bidnetwork.org/set-44241-en.html

Ndugu yangu pole sana,kama ulivyoshauriwa kupitia mabenki mengi ni vizuri ukafanya hivyo. Ukishaonana na huyo jamaa aliyekutajia hiyo benki hapo juu,tafadhali piga mguu mpaka Twiga Bancorp,ambayo zamani ilikuwa foreign branch,riba yao iko chini sana,ie 15% kwa sasa.Urasimu upo kidogo na wanajitahidi sana.Bado ni mali ya serikali 100%

Kihuduma wanajitahidi sana,labda iwe bahati mbaya.

Stanbic Bank launches vehicle financing product

2008-06-03 10:33:27
By Njonanje Samwel


The Stanbic Bank Tanzania has launched vehicle financing product for its executive and private banking customers.

Going by the title Vehicle Asset Finance (VAF), it would involve the bank financing up to 90 per cent of the real value of target new vehicles and 70 per cent value of imported used ones which are not older than seven years since date of their manufacture.

The minimum financing available would be 10m/- or USD 10,000/-, whereas the facility would have no limited amount as it would depend on client?s repaying capability.

Speaking during the launching ceremony held in the Dar es Salaam over the weekend, bank`s managing director Bashir Awale said the service is towards making the purchase of cars and assets as easy and smooth as possible for the bank?s prospective car owners and also assist individuals in managing their car allowances option free.

According to Awale, in order to secure the loan, one needs only to deposit 10 per cent of the value for a new vehicle and a 30 per cent for used ones.

There would be no requirements for any further collateral as the vehicle doubles as security for the finance facility.

The maximum repayment period for the finance facility is five years for new vehicles and three years for used cars.

Bank`s Head of Vehicle and Asset Finance, Erick Shao took the occasion to inform audience that the service would cater for both citizens and expatriates who are currently bank`s customers in the banks executive and private banking platform.

``The upside for using this product is that as new vehicle owner you need not concern yourself with the cost of the vehicle and at the end of 60 months you may be looking at an attractive resale depending on the model and use of the car``, he said.

Guest of honour at the event, newly appointed Bank of Tanzania (BoT?s) governor Benno Ndulu commended Stanbic for the innovative service which is in line with government`s policy which seeks to ensure advance in asset finance.

His applauses were voiced on the fact Stanbic had only launched house (mortgage) finance some few weeks ago, through which existing and prospective bank clients would not need collateral in accessing the finance, thus making vehicle asset finance, another good thing.

SOURCE: Guardian

This is awsome kuona watu wana crack down feasibility study and business proposal. I like this kind of staff. Mkuu kwanza kabisa pole na kuhangaika, moja ya matatizo yanayoikumba sector ya small business ni trust kutoka kwenye Banks.

Nakushauri uitazame tena business plan yako. Kuna mambo machache unaweza kumtafuta mshauri wa maswala ya kuzisoma hizi plan akaisoma na kukusaidia.
Kisha angalia mission ya kampuni yako, jee kampuni yako ndio inaanza au imeshakuwa kwenye business kwa muda. Eleza ni wapi imefika kwa muda huu, inafanya nini na kwa vipi imefika hapo ilipo. Kisha angalia vision statement ya kampuni yako jee inakwenda wapi, elezea kampuni yako kuhusu leadership structure.

Angalia tena competitive advantage ya kampuni yako. Elezea washindani wako na kwa vipi una uhakika unaweza kuwashinda. Kuwa muangalifu kwenye hili kwani hakuna bishara isiyo na mshindani. Weka bayana nini unachokiona ambacho washindani wako hawana. Elezea jee watapata ugumu gani kama watajaribu kukicopy?

Swala la muhimu ni kuongelea financial zako, jee pesa zitaingiaje na zitaingia kwa kasi gani na kwa vipi? Hapa ndipo loan office anapo tazama kama unajua unachofanya au unarun a slogan call business. Fanya study zako kisha onyesha what is your expected cash in flow. Vile vile kumbuka kwamba unataka kukopa 80% (debt) na Equity yako ya 20%, hivyo kwenye kila shilingi moja uliyowekeza, cent 80 ni mkopo na cent 20 ni yako. Hapa ndio Loan office anapo pause na kuangalia jee Net income yako baada ya kulipa tax ni kiasi gani kitakwenda kwenye kulipa loan? Jee kwenye 100% na kiasi gani utatumia kwa ajiri ya kuaquire asset na kiasi gani utaweka ili kuwa na cash liquidity kucover cost kabla cash inflow process haijaanza. Avoid kusema uta invest 100% sababu then hutokuwa na kipato cha kuendeleza biashara.

Then angalia jee cash inayo ingia yaani Cash in flow ita brake lini even na pesa uliyotumia kuwekeza? Inlay-outlay=0 The less time the better sababu unamuassure banker kwamba pesa ninayoka naweza kuilipa yote ndani ya muda fulani. Avoid kudanganya maana too good to be true always its not true. Vile vile fanya analysis zako kuonyesha ni kwa asilimia ngapi biashara yako itakuwa. Avoid kujaza namba zisizo na support ya information, kumbuka data===> Information kwa msaada wa Analysis.

Kisha angalia risk zinazo associate na biashara yako, weka bayana jee ni risk gani na umejiandaa vipi kushindana nazo. Mfano risk ya kupanda mafuta kama biashara yako ni track, jee utahedge vipi hii risk? Jee utarise cost yako ya usafirishaji? Jee utanunua mafuta in whosale? Utafanya nini kushindana na hii risk? Anagalia environment risk ambazo zina associate in one way or another na bishara yako, na vipi utashindana nazo. Kumbuka you can't lie on this staff ni raisi kugundulika.


haya ni machache tuu, lakini as we go naweza kuwa nachangia as i can. Kumbuka Loan officer ana impression kwmba small business zinaongoza kudefault loan, kama unaweza jitahidi utafute joint partner, uzuri wake mnashare risk.

Kama biashara yako ni start up, nakushauri utafute partner kwa sababu itapunguza risk ya wewe kusunk in 20M bila kuwa na uwakika wa shilingi ngapi itarudi. Ukipata member unaweza punguza mpaka 10M. Always don't use all your saving to start business, that is the rule of thumb.

Nitajitahidi nikipata muda nichambue vipengele mbali mbali vya business Plan na Business Strategy. I like entrepreneur plans. I run my own small business on the side, vile vile nataka kuja home kuangalia sector za kuinvest. It will be fun to meet people with desires and potential to run business.

Rule namba one '" you don't open business to be your own boss, but to be as rich as possible".

pole sana ndugu yangu ila mi ninavyojua kwa miaka hii mikopo iko mingi sana kwa masharti nafuu ukienda benk ukijieleza yaani utapata mkopo wako poa kabisa tena unanyumba yaani rahisi sana unaacha hati yako ya nyumba unaenda kuonyesha biashara yako ulipofikia wanakupa kiasi unachotaka. jitahidi ndugu yangu.

Look here!

http://www.bidnetwork.org/article-93029-en.html

http://www.bidnetwork.org/set-87189-en.html

Then PM me please!

mwana jaribu kwenye mabenki usione aibu kueleza shida zako hata kwangu njoo tu uniambie usiofu ingawa hata mimi sina kitu.

Kamasiyo MNYAKYUSA

sahau

QM said:

Great!

2) Mnawahakikishia vipi wateja/memba wenu kuwa business ideas/plans zao haziwezi kuibiwa au kuwa leaked somehow? Ni mbinu gani mnazitumia kulinda hizo business ideas? (Hamna kitu kibaya kama kuibiwa business idea)

Click to expand...

QM,

Swali lako zuri sana maana yaliwahi kunikuta.

Nilikuwa nchi moja huko scandinavia nasoma 2006 nikashiriki kwenye Busines Plan competition (Venture Cup) ambapo pia kulikua na special program kwa africa so niliandika proposal kuhusu East africa. Mwanzoni walitushauri tutafute copy right but the process is too complecated na sikuwa nimefanya registratiion ya company hapa bongo. so sikutafuta. Kilichotokea niliambiwa nimekuwa mshindi wa 3, but waliokua Jury baadae wakanifuata wakasema wako interested na project yangu saaana. Mwisho wake imekuwa implemented Togo. Bado nafuatilia kujua nani aliipeleka huko, maana imekuwa implemented kama 70% ya jinsi nilivyoandika But in the form of NGO and not as Business Venture.

Lakini hawa jamaa (Jury) walipewa kiapo kisheria kwamba hawatatoa siri kwa mtu but ......

Je kama Ulaya imekuwa hivyo how about Tz????? Kama BoT watu wameiba itashindikana vipi kwenye hili?????

Majimoto tuhakikishie ..........

vipi dhamana za serikali kukopesha wajasiriamali. kuna mfuko wa kuwadhamini SMEs pale BOT na benki washirika zipo...hebu fuatilia link ya bot ufahamu zaidi..

The Situation:

1) Positive: Una 20 million, Nyumba ya 50 million, na contract ya miaka 3.

2) Negative: Account haizunguki.

Possible Solution:


1) 20 million unaweza kuweka katika fixed deposit, halafu ukachukua overdraft ya hadi 90% ya 20 miilion, hapo unapata 18 million,

2) Nyumba benki nyingi wanakopesha kwa Loan to Security Ratio ya 50% kwa hiyo hapo maximum watakupa ni 25 million (au forced sale value).

Hadi hapo una 43 million by way secured loans.

Account haina mzunguko kwa hiyo itabidi utumie hiyo 20 million kwa miezi 6 kwanza uki- withdraw na ku-deposit hiyo hiyo 20 million kwa viwango tofauti hadi account ionyeshe mzunguko wa hela wenye afya.

Hadi hapo "gearing ratio" yako (idadi ya ukopaji) ni kubwa sana, kwa hiyo inabidi utafute partner waku inject the remaider of capital in exchange for some of your business to make up the remainder. Vile vile kama hiyo kampuni ambayo una contract nawo wanaweza kukukingia kifua waka tumia hayo mamillioni yao mengi ku guarantee benki mambo yatakua safi.

nimependa idea yako sasa na mimi ninapenda n nintka sana kujiendeleza na hii mikopo mdogomidogo naomba unisaidie jinsi ya kujiunga au hata kutanct za saccoss.

mimi naitwa lucy email yangu ni luciamylove@yahoo.com please.

thasx i got that website thaxs a lo omutwale.

lucy said:

thasx i got that website thaxs a lo omutwale.

Click to expand...

Karibu tena Lucy.
I also provide Business Development Services e.g. Business Plan Development, Marketing Plan and links to various Business Development Matching Grants solely to Tanzanians.

Alnadaby said:

Wakulu,
Kutoka katika ajira ya kuajiriwa na kuingia katika ajira ya binafsi ni kazi kubwa.Mimi niko njia panda nataka kupata mkopo wa kununua truck ili hata nikiacha kazi yangu ya kuajiriwa niendelee na uzoefu nilionao kwa kuwa transporter.
Nina kiasi cha 20% cha mtaji ninaotaka.Nataka benki inikopeshe 80% ya mtaji.Pia nina nyumba yenye thamani ya 50% ya mkopo unaotakiwa ambayo itakuwa dhamna kama itahitajika.

Nilijaribu kutuma maombi na biz plan yangu kwenye benki moja nikaambiwa niweke ile pesa ya 20% katika akaunti yangu,niwe na barua ya guarantee kutoka kwa kampuni itakayonipa shughuli ya kusafirisha bidhaa zake,niwe na collateral.

Nilipata mkataba mzuri na barua ya undertaking kutoka kampuni iliyonipa mkataba wa kuifanyia kazi miaka 3 na hiyo ilitosha kwangu kulipa kwa instalments na kurejesha mkopo kwa miaka mitatu.Nilihakikishiwa kupata mkopo huo bila matatizo na mkubwa mmoja na hata mkurugenzi wa tawi hilo.Kwa bahati mbaya huyu Mkurugenzi wa tawi akawa amehama hapo.

Huku nyuma bwana mdogo aliyekuwa akisema mambo yanawezekana akawa anataka kufanya ufisadi na mimi nikaona nitapata hasara. Appraisal ilichukua miezi 4 jamani,just imagine.

Baada ya miezi kama 4 ya appraisal maombi yangu yalikataliwa kwa sababu sikuambatanisha tin no. na leseni ya biashara na sababu nyingine ikiwa ni akaunti yangu kutotembea(ku-circulate),Barua ya undertaking ya tajiri yangu ambaye ana akaunti humo kwenye benki ninayoombea mkopo ya mamilioni mengi haikutambuliwa,ni mambo ya kushangaza na kwa kiasi fulani inamdhalilisha kwani licha ya yeye binafsi kuwa na akaunti yenye ni mihela kubwa humo kale kakijana kamejifanya hakamtambui.

Hata hivyo nilikuwa na tin no. na licence ingawa sikuziambatanisha hapo awali na kale kajamaa hakakuniarifu kuwa nivipeleleke na kuvi present.

Kwa maana hiyo naona kama vile kuna ugumu au uzito wa mwajiriwa kupata mkopo ambao unaweza kumwendeleza katika biashara aliyoizoea hadi akawa naye ni mtu aliyejiajiri na kuweza kusonga mbele bila kutoa rushwa.

Kwa kuwa benki iliyonikatalia sina nayo imani kwa sasa kwa sababu ya ile habari ya ufisadi wa kuomba chochote hasa kutoka kwa meneja wa kitengo cha biashara.Na kwa kuwa nimetokwa na imani na CEO wao ambaye awali alinipa matumaini makubwa ya kunisaidia lakini nilipomwomba aingilie suala hili akawa kimya basi naomba ushauri wa wana JF.

Ni benki ipi inaweza kufanya appraisal ya muda usipozidi mwezi mmoja na ambayo itakubali kunikopesha bila matatizo?


Naomba ushauri wenu wakulu.

Click to expand...

benki za hapa tanzania zinatumia siasa ya kusema tunakopesha ili ujiunge uwe na akaunti kwao lakini urasimu upo palepale wanatoa mkopo kwa watu wachache sana.inamaanisha biashara ya benki hapa tanzania bado ni changa sana kama ni mtoto basi ana wiki 1 toka kuzaliwa.wao wanamjali mtu tajiri aliye na akiba kubwa ya ela ktk benki.hawana sera ya kumsaidia mlalahoi kama wewe unayetaka mkopo.
hata uwe na dhamana ya nyumba ya dhamani ya milioni 200 hawakupi ela wataleta vijisababu kibao.
mimi nilijaribu nbc wakanipa vipengele 27 vya kutimiza kiasi kwamba mtu huwezi kuvitimiza vyote hata robo yake ni vigumu kutimiza.
wanakuambia mfano uwe na biashara ambayo tayari imeshaanza kuoperate kuleta faida wakati wewe ndio unataka kuanzisha biashara.
labda tafuta mifuko ya kuweka na kukopa saccos watakusaidia kama una ela kidogo ya kuanzia.ila kama unataka kununua traki sijua kama watakupa ela nyingi inayokuwezesha kununua traki.jaribu kufikiria mradi mungine wenye mtaji wa kiasi na hiyo ela watakayokupa.