Swali kwa Business Adminstrator, Finance Managers, Consultants, Accountants, Economist,

Silicon Valley said:

Asante mkuu nimekuelewa tukikopa 300 mln unadhani kwa uwelewa wako nini chaweza tokea ? ok naomba ushauri wako ulio bora tafadhali, kwani lengo ni kuongeza mapato ya kampuni..

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hicho kiasi mwaweza kukopa lakin inategemea pia na biashara unayofanya isiwe biashara ambayo ina flactuate sana kwani învestment risk nayo ni muhimu usije kuend in bankruptcy

@Silicon Valley
Option ya Equity financing itoe kabisa kwani mfumo wa sasa wa Capital Market Authority yetu ambayo ndio wasimamizi wa DSE, requirement ni 500Mil, Mfumuko wa bei (Inflation) ndio ugonjwa mkubwa utakao kutafuna ukienda kwenye financial institutions kwa ajili ya mkopo kwani rate ya 16% to 20% sio mchezo, interest rates zitakua zinapanda kila wakati, Fanya hivi kwakua soko lipo na umetuhakikishia tafuta Angle investors wako wengi tu fanya nae kitu kinaitwa forward rate contract akupe huo mtaji na upanue biashara. All the best Mkuu.

Silicon Valley said:

Nashukuru sana mkuu kwa ushauri wako, naomba ufafanue zaidi kdg ku-justfy kuwa loan pekee ndio expansion means ukizingatia mazingira hayo ya hiyo INFLATION, RETURN 18% na COST OF CAPITAL 25%, The company Objective is to raise income not only by rate with efficiency(hata kama rate haitabadilika basi mapato by amount yapande)

ILI ASUBUHI NIGONGE MLANGONI KWAKO MKUU

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Hebu angalia mambo yafuatayo:

• Ukichukua mkopo, utakua umeongeza working capital au umepata a new asset for generating revenue. Swali la kujiuliza, mkopo una effect gani katika mahesabu ya kampuni?
• Annual or monthly interest payments: Hizi ni gharama kwa kampuni, unapopata gharama mpya cha msingi ni kuangalia mambo mawili. Kwanza, je kuna alternative nyingine ya gharama nafuu? In-short tu nakwambia hapa kuwa chukua mkopo, equity financing ina mambo yake pia ambayo ni mengi sana. Jambo la pili, ni je gharama hiyo ni justifiable? Is it worthy it taking that extra cost? Jibu lake ni kufanya investment analysis
• Hapo tunakuja sasa kwenye numbers.. Ushawahi kusikia NPV? au analysis kama alizofanya lara 1 ? Hizi analysis ni more of theoretical than practical.. NPV utadiscount kwa rate ambayo itaconsider mambo mengi sana, na kukuonyesha kama bado kuna profit au la (after all those considerations). Business plan in mtazamo wa acconting zaidi, which is more practical than financial analysis kama nilizozitaja hapo juu.
• Unatakiwa kuandaa financial projections for the duration of that loan.. ukishamaliza hilo, utafanya sensitivity analysis ambayo itaangalia mambo mbalimbali ambayo kama yakitokea mapato yatabadilikaje? Hapo juu umetaja inflation, what about fall in demand in the third year after taking the loan? and mambo mengine muhimu! Unaweza pia kufanya analysis itakayotumia only relevant cashflows ili kujua directi impact ya huo mkopo.
• Return on Investment ya 18% ni current rate, inaweza kuongezeka baada ya kuchukua mkopo au kupungua pia
• Inflation rate itakuwa considered kwenye financial projections for the five years na kwenye sensitivity analysis na pia cost of capital hiyo ya 25% uliyoisema

N.B: Hiyo ni biashara kubwa sana, unahitaji ushauri wa kibiashara sana. Hasa wa kiuhasibu na financial management kwa ujumla. All the best.. Ukihitaji msaada huo niPM

king kan said:

On normal basis kama ataendelea kupata hiyo 18% ROI under raisind inflation halafu debt servicing interest ni 25 % kama àtakopa pesa nyingi kuliko mtaji wao halisi itakula kwao since return zao zote zitatumika kulipa madeni na riba

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Exactly, roi ya 18% katika mazingira yenye inflation ya 20% na riba ya 25% inatisha sana.

Hapa hata Mwigulu yule mchumi wetu wa BOT lazima achemshe,du kidogo hata nisiendelee kuscroll kwa kudhani kuwa mada hii haitapata wachangiaji yaani kama swali la mtihani wa UE.Kweli JF kuna vichwa kila kitu kinapatikana hapa

watu waameshusha vitu vya darasani hapa hadi nimeogopa! ila mimi naona hakuna aliyetoa msaada kwa hao jamaa, practically hebu jamaa aproduce business plan na financial statements, that is where nondo mlizotoa humu zianze kufanya kazi, otherwise hizo ni facts tu za finance and accounting pasipo kuhusianisha na biashara wanayo fanya!

IPILIMO said:

watu waameshusha vitu vya darasani hapa hadi nimeogopa! ila mimi naona hakuna aliyetoa msaada kwa hao jamaa, practically hebu jamaa aproduce business plan na financial statements, that is where nondo mlizotoa humu zianze kufanya kazi, otherwise hizo ni facts tu za finance and accounting pasipo kuhusianisha na biashara wanayo fanya!

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sawa kabisa

IPILIMO said:

watu waameshusha vitu vya darasani hapa hadi nimeogopa! ila mimi naona hakuna aliyetoa msaada kwa hao jamaa, practically hebu jamaa aproduce business plan na financial statements, that is where nondo mlizotoa humu zianze kufanya kazi, otherwise hizo ni facts tu za finance and accounting pasipo kuhusianisha na biashara wanayo fanya!

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Shukran IPILIMO, Naposema As per accounts nina maana data zote hapo zimetoka kwenye Financials,,, Nadhani pia itakuwa vigumu sana kuweka ha BP na financial Statements zote hapa,, Naomba kama pana mtu anahitaji Specific Data za ziada aandike nitaziweka hapa ili kuboresha discussion, other wise ceteris paribus.