Please Assist: Nahitaji Mkopo wa Shilingi miliioni 3 za kitnzania

[OPRAH WA BONGO]

Mimi ni msichana wa makamo. Nataka kujikwamua kimaisha kwa juhudi zangu mwenyewe na sio kutegemea mwili wangu kwa urembo/uzuri ndio viniinue. Nina elimu kiasi nataka kujiajiri.

Nimefikiria kufanya biashara ya Samaki Sato na Sangara kutoka mwanza, nimeshafanya survey na nimeshalipia kodi ya pango na vyote vinavyohitajika. Tatizo nimekwamia hapo kwenye mtaji, benki nyingi nilizotembelea wanahitaji dhamana/biashara iwe imesharun kwa zaidi ya kpindi kisichopungua miezi 6/mwaka. Mimi ndo kwanza nataka kuanza na ukizingatia ndio nimemaliza chuo, sina funds zozote zaidi ya hizi nilizisev kwa muda mrefu. Ninauweza wa kurudisha pesa hii kwa kuanzia, shilingi laki moja kila mwezi, baada ya miezi 6 nitarudisha laki 2 kila mwezi mok pesa itapoisha.

Pia naomba mawasiliano na mawakala wa ukweli wa mwanza, bei za samaki kwa kilo na lolote muhimu.

Please advice.

Mawasiliano kwa email: gisselleanthony@yahoo.co.uk

NB: Am very serious, tafadhali unapowasiliana nami iwe kwa ajili ya hili tu na si vinginevyo.




I STAND CORRECTED;

 

[Prime Dynamics]

Safina sana. Unaonyesha bidii. Lakini unakosa mwongozo. In any business you must have a plan. Then start small and get to know all the obtacles as you move. You should be capable of making a good loan with a probability of being repaid from your business without interrupting your lifestyle. Try to come up with the amount you may need for your fixed expenses + the amount you hope to pay for the loan if you had one. For instance kama unaitaji kulipa laki moja ya mkopo every month, umejumlisha salary na kodi. If at the moment (before you even think of that loan) you can't rise that amount required per month, don't go for that loan becease you are not ready for it. Tatizo sio kukopa, ila marejesho. kwanza come up with a plan, then start small with the little cash you have (get to know, identify and understand your customers thus creating demand for your product, ). Kumbuka you want to deal with perishable goods. Je umefikiria tatizo la umeme?
Sometimes an idea may sound great in your mind but when you put down details and numbers it may fall apart. If you rush you may end up putting your finacial status on a drip.

 

[cyruss]

Sound good..lakini najribu kufikiria tatizo la umeme..umejihadhari vipi hapo? je una generator au uhakika wa mabarafu..pale karikoo kuna sehemu wanauza mabarafu kwa kilo! kutegemea location ya biashara yako.

Kwa ushauri wangu kama unaweza kucheza upatu na close friend/relative fanya ivyo hata ukipata 1 million anza nayo kununua fish wote..pale mbagala kuu kuna sehemu wanauza sana sato kwa jumla.

Mi binafsi nshawahi kusupply sato lakini nilikuwa namsadia mtu hakuwa na store wala nini alikuwa na freezer

anapoishi, anacho fanya ni kutafuta order kwenye majumba then siku akishusha mzigo anautia kwnye freezer na

kuanza kusupply kwnye hzo nyumba..yeye alikuwa anuza kwa samaki mmoja mmoja kipindi hicho 2,000 per fish na
sio kilo kama wakwa wadogo anauza 2 kwa elfu 2(kipindi hicho) sio lazima wakupe cash au kwa credit coz mara nyingi unawakuta wafanya kazi wa ndani unakuwa na contact za wenye nyumba tu siku ukipleka mara ya pili unawacall before wakuachie pesa kwa mzigo uliopita kwa wale ambao hawkutoa cash.

mafanikio mema

 

[mito]

Mimi ni msichana wa makamo. Nataka kujikwamua kimaisha kwa juhudi zangu mwenyewe na sio kutegemea mwili wangu kwa urembo/uzuri ndio viniinue. Nina elimu kiasi nataka kujiajiri.

Nimefikiria kufanya biashara ya Samaki Sato na Sangara kutoka mwanza, nimeshafanya survey na nimeshalipia kodi ya pango na vyote vinavyohitajika. Tatizo nimekwamia hapo kwenye mtaji, benki nyingi nilizotembelea wanahitaji dhamana/biashara iwe imesharun kwa zaidi ya kpindi kisichopungua miezi 6/mwaka. Mimi ndo kwanza nataka kuanza na ukizingatia ndio nimemaliza chuo, sina funds zozote zaidi ya hizi nilizisev kwa muda mrefu. Ninauweza wa kurudisha pesa hii kwa kuanzia, shilingi laki moja kila mwezi, baada ya miezi 6 nitarudisha laki 2 kila mwezi mok pesa itapoisha.

Pia naomba mawasiliano na mawakala wa ukweli wa mwanza, bei za samaki kwa kilo na lolote muhimu.

Please advice.

Mawasiliano kwa email: gisselleanthony@yahoo.co.uk

NB: Am very serious, tafadhali unapowasiliana nami iwe kwa ajili ya hili tu na si vinginevyo.




I STAND CORRECTED;

Umenichekesha sana hapo kwenye NB yako! Ila pia nimejisikia vibaya mimi kama mwanaume maana imenipa picha kuwa kumbe wanaume hatutoi msaada pasipo kwanza kupewa! Nahisi ndo maana umeanza kwa kusema ..... hapo kwa red mwanzoni, kazi kweli kweli!!!

Ila umenipa mashaka kidogo, kwanini umelipia pango bila kuwa na uhakika na mtaji kwanza?

 

[OPRAH WA BONGO]

Asanteni sana kwa kupokea ombi langu na ushauri wenu mzuri.
Labda niseme hivi;

1. Suala la umeme na matatizo yake nilishalifikiria na kulichukulia hatua, nimeshanunua Generator litakaloweza kukidhi mahitaji ya biashara husika.
2. Suala la kwanini nililipia pango na kufanya yote haya kabla ya kuwa na mtaji; Kama inavyoeleweka mtu yeyeote anapotaka kuanzisha biashara anaweka projections zake, mimi pia nilifanya hivyo. Linapokuja suala la mapango/frames za biashara hapa jijini demand yake ni kubwa sana kwahiyo nilipopata pango lililopo sehemu yenye demand ya kutosha kwa biashara yangu sikusita kulishikilia mpk hapo nitakapomudu kuanzisha biashara yangu. Its a risk worth taken coz baba mwenye pango ni mwanafamilia naweza sema ananisaidia sana kwani ameniahidi kwa maandishi kwamba Mkataba utaanza from the day biashara itakapo anza, isipokuwa kanipa miezi mi3 tu ya kufanikisha. Pesa kiasi niliyokuwa nayo nikafanya mambo ya muhimu yote ili pindi nitakapopata tu mtaji naanza bila kikwazo kuliko ningesubiri yote yakutane wakati mmoja. Sijui kama nipo sawa, mtanirekebisha.
3. Update: Weekend hii nimejiunga na saccoss moja hapa tabata, kwakuwa ndo kwanza nimeanza na nilikuwa na kiasi kidogo cha pesa inaniwia vigumu kupata mkopo hapo,mawazo yangu pindi nitakapopata mkopo huu wa milioni 3 nifanye hivi, shilingi milioni 2 niingize kwenye mtaji, biashara ianze, milioni 1 niingize saccoss nipate mkopo wa mara 3 yani milioni tatu kisha nimrudishie aliyenikopesha pesa yote kisha mimi nilipe marejesho yangu kidogo kidogo ili isisweze kuharibu mipangilio na mahitaji yangu mengine ya maisha yangu. (Wazo la Prime Dynamics nimelifikiria kwa kina sana, nikakaa upya na kulifanyia kazi. Kwa option hii nitaweza lipa mishahara mfanyakazi in time, run the business without unneccessary hustle and pay all other dues in time such as electricity bills, loan repayments etc)

Prime Dynamics, Mito na Cyrus natumaini nimejibu maswali yenu.

Asanteni sana kwa kunipanua mawazo.

 

[Obama wa Bongo]

@obamawabongo anakutakia kila la heri @oprahwabongo

 

[mwekeza]

Safi sana, jitahidi kuonesha moyo na usikate tamaa utafanikiwa

 

[mito]

Asanteni sana kwa kupokea ombi langu na ushauri wenu mzuri.
Labda niseme hivi;

1. Suala la umeme na matatizo yake nilishalifikiria na kulichukulia hatua, nimeshanunua Generator litakaloweza kukidhi mahitaji ya biashara husika.
2. Suala la kwanini nililipia pango na kufanya yote haya kabla ya kuwa na mtaji; Kama inavyoeleweka mtu yeyeote anapotaka kuanzisha biashara anaweka projections zake, mimi pia nilifanya hivyo. Linapokuja suala la mapango/frames za biashara hapa jijini demand yake ni kubwa sana kwahiyo nilipopata pango lililopo sehemu yenye demand ya kutosha kwa biashara yangu sikusita kulishikilia mpk hapo nitakapomudu kuanzisha biashara yangu. Its a risk worth taken coz baba mwenye pango ni mwanafamilia naweza sema ananisaidia sana kwani ameniahidi kwa maandishi kwamba Mkataba utaanza from the day biashara itakapo anza, isipokuwa kanipa miezi mi3 tu ya kufanikisha. Pesa kiasi niliyokuwa nayo nikafanya mambo ya muhimu yote ili pindi nitakapopata tu mtaji naanza bila kikwazo kuliko ningesubiri yote yakutane wakati mmoja. Sijui kama nipo sawa, mtanirekebisha.
3. Update: Weekend hii nimejiunga na saccoss moja hapa tabata, kwakuwa ndo kwanza nimeanza na nilikuwa na kiasi kidogo cha pesa inaniwia vigumu kupata mkopo hapo,mawazo yangu pindi nitakapopata mkopo huu wa milioni 3 nifanye hivi, shilingi milioni 2 niingize kwenye mtaji, biashara ianze, milioni 1 niingize saccoss nipate mkopo wa mara 3 yani milioni tatu kisha nimrudishie aliyenikopesha pesa yote kisha mimi nilipe marejesho yangu kidogo kidogo ili isisweze kuharibu mipangilio na mahitaji yangu mengine ya maisha yangu. (Wazo la Prime Dynamics nimelifikiria kwa kina sana, nikakaa upya na kulifanyia kazi. Kwa option hii nitaweza lipa mishahara mfanyakazi in time, run the business without unneccessary hustle and pay all other dues in time such as electricity bills, loan repayments etc)

Prime Dynamics, Mito na Cyrus natumaini nimejibu maswali yenu.

Asanteni sana kwa kunipanua mawazo.

Good luck! sounds umejipanga vizuri ukiwezeshwa.
Unaweza pia kuangalia uwezekano wa ku-partiner na mtu mwingine kwa nia ya kuunganisha nguvu ili baadaye biashara ikitengemaa mnafungua sehemu nyingine kila mmoja akaendesha kivyake if a need comes. Nasema hivi kwa sababu watu wengi wanasita sana kukopesha kwa sababu wakopaji wengi (awe ndg, jamaa au rafiki) si waaminifu ktk kulipa, si unajua ule usemi wa KUKOPA HARUSI KULIPA .......

Na mimi nakusihi sana, ukipata wa kukukopesha jitahidi sana kurudisha hela zake hata kama utapata hasara ktk biashara zako, uza hata mali ulizonazo mpe hela yake!

 

[Prime Dynamics]

Asanteni sana kwa kupokea ombi langu na ushauri wenu mzuri.
Labda niseme hivi;

1. Suala la umeme na matatizo yake nilishalifikiria na kulichukulia hatua, nimeshanunua Generator litakaloweza kukidhi mahitaji ya biashara husika.
2. Suala la kwanini nililipia pango na kufanya yote haya kabla ya kuwa na mtaji; Kama inavyoeleweka mtu yeyeote anapotaka kuanzisha biashara anaweka projections zake, mimi pia nilifanya hivyo. Linapokuja suala la mapango/frames za biashara hapa jijini demand yake ni kubwa sana kwahiyo nilipopata pango lililopo sehemu yenye demand ya kutosha kwa biashara yangu sikusita kulishikilia mpk hapo nitakapomudu kuanzisha biashara yangu. Its a risk worth taken coz baba mwenye pango ni mwanafamilia naweza sema ananisaidia sana kwani ameniahidi kwa maandishi kwamba Mkataba utaanza from the day biashara itakapo anza, isipokuwa kanipa miezi mi3 tu ya kufanikisha. Pesa kiasi niliyokuwa nayo nikafanya mambo ya muhimu yote ili pindi nitakapopata tu mtaji naanza bila kikwazo kuliko ningesubiri yote yakutane wakati mmoja. Sijui kama nipo sawa, mtanirekebisha.
3. Update: Weekend hii nimejiunga na saccoss moja hapa tabata, kwakuwa ndo kwanza nimeanza na nilikuwa na kiasi kidogo cha pesa inaniwia vigumu kupata mkopo hapo,mawazo yangu pindi nitakapopata mkopo huu wa milioni 3 nifanye hivi, shilingi milioni 2 niingize kwenye mtaji, biashara ianze, milioni 1 niingize saccoss nipate mkopo wa mara 3 yani milioni tatu kisha nimrudishie aliyenikopesha pesa yote kisha mimi nilipe marejesho yangu kidogo kidogo ili isisweze kuharibu mipangilio na mahitaji yangu mengine ya maisha yangu. (Wazo la Prime Dynamics nimelifikiria kwa kina sana, nikakaa upya na kulifanyia kazi. Kwa option hii nitaweza lipa mishahara mfanyakazi in time, run the business without unneccessary hustle and pay all other dues in time such as electricity bills, loan repayments etc)

Prime Dynamics, Mito na Cyrus natumaini nimejibu maswali yenu.

Asanteni sana kwa kunipanua mawazo.

Mkuu, how can you convince a person that you will be able to get the amount you opt to pay for the loan without interfering your daily life? Remember this must come from the profit you make but not otherwise. Ok, let us all assume that you do have a better location fine. If you are so sure of getting that laki moja every month, how many kgs per day do you expect to sell? If you have the numbers, how did you arrive on them before starting? What is your forecast per week? How many supplies will you depend on? What will be the mode of payment to your suppliers, cash or by cheque? What if your supplier(s) bring you smaller fish different from what you ordered, what will be your reaction businesswise? What if by the time of receiving the goods half of it was rotten yet you had paid full amount to the supplier, how are you prepared to handle such situations? A loan should only boost your business to overcome demand and generate more profits to repay the loan. Whenever you think of a loan for a business, marejesho must come from that business and this marejesho should be from profits and not capital. Also you should ask yourself a question do you have discipline on business cash? For now you can't tell.
I suggest you better start with the little cash you have. Build trust in your nearby supplier and you may end up getting goods on credit. Don't incur unnecessary costs by trying to get the goods from the Lake direct. Start by purchasing from a nearby supplier while you get to know the problems and how to overcome them within your working environment. Get to know their weaknesses; this will help you to perform better. Don't be too optimistic on demand yet you are just assuming. Create demand kwanza. As far as your business is concerned it is difficult to have an appointment with a customer. Business is an art. If you get an order it is a current sale and customer care is a future sale. If you are to employ someone he/she may not have that customer care. This may bring down the numbers. Always remember a customer to buy from you it is just a favour.