Kunzwisisa Bhizinesi Rakawanda
Mari yebhizinesi ipfungwa yakakosha munyika yebhizinesi. Mari inoshanda sehwaro hwekutanga hunotsigira mabasa akasiyana-siyana ebhizinesi, kubva padanho rekutanga rekuumbwa kusvika padanho rekushanda nekuwedzera. Kunzwisisa mari yebhizinesi kwakakosha kwete chete kune vanotanga rwendo rwavo rwebhizinesi, asiwo kune vane ruzivo rwebhizinesi vari kutsvaga kusimudzira nekuwedzera mabhizinesi avo. Muchinyorwa chino, tichakurukura tsananguro yemari yebhizinesi, mhando dzayo, manyuko ayo, uye kukosha kwekutarisira mari yebhizinesi zvinobudirira.
Kunzwisisa Bhizinesi Rakawanda
Mari yebhizinesi inogona kutsanangurwa sehuwandu hwemari kana midziyo inoshandiswa nemunhu kana kambani kutanga nekufambisa bhizinesi ravo. Mari yebhizinesi haingori mari chete, asiwo inosanganisira zvimwe zvinhu zvakasiyana-siyana zvine kukosha kwehupfumi, zvakaita semidziyo, zvinhu zvekugadzira, zvivakwa, uye kunyange hunyanzvi kana hunyanzvi. Kutarisira mari yebhizinesi nemazvo kwakakosha pakuona kuti bhizinesi rinogona kushanda zvakanaka uye kuwana purofiti inotarisirwa.
Mhando dzeBhizinesi Guru
1. Mari yeEquity
Mari inowanikwa kubva kumuridzi webhizinesi pachake. Izvi zvinogona kuva mari yakachengetedzwa nemuridzi, purofiti inodzoserwa mubhizinesi, kana kutengeswa kwezvinhu zvake. Kushandisa mari inowanikwa kunowanzo chinjika, asi kunewo njodzi huru kune muridzi webhizinesi nekuti vanorasikirwa nezvinhu zvese zvinogona kuitika.
2. Mari Yekune Dzimwe Nyika (Mari Yechikwereti)
Mari yekunze kwenyika imari inowanikwa kubva kune vekunze, inowanzonzi chikwereti. Manyuko emari yekunze kwenyika anogona kusanganisira zvikwereti zvebhangi, mabhondi, kana zvikwereti kubva kune vanoisa mari kana mamwe masangano emari. Kunyange hazvo kushandisa mari yekunze kuchigona kukurumidzisa kukura kwebhizinesi nekuda kwekuwanikwa kwemari yakawanda, varidzi vemabhizinesi vanofanirwa kudzorera chikwereti nemubereko zvichienderana nemitemo yakabvumiranwa.
3. Venture Capital (Venture Capital)
Mari yeVenture imari inoiswa nevanhu kana mapoka (ventures capitalists) vanoda kutora njodzi huru vachichinjana nemukana wekuwana purofiti yakakura mune ramangwana. Mari yeVenture inowanzo wanikwa nemakambani matsva kana mabhizinesi ane mukana wekukura zvakanyanya. Vanoisa mari muVenture vanowanzo kupa kwete mari chete asiwo mazano uye network dzinobatsira mukusimudzira bhizinesi.
4. Mari Yekugovanisa (Migove yeEquity)
Mari yemasheya (share capital) imari inowanikwa nekupa masheya nekutengesa kune veruzhinji kana vanoisa mari. Makambani anotengesa masheya avo pamusika wemasheya, anowanzo unganidza mari yakawanda kuburikidza nekutengesa masheya aya. Vagovani vanova varidzi vechikamu chekambani uye vane kodzero yekuwana mugove wepurofiti (dividends) uye vane kodzero dzekuvhota musarudzo dzekambani.
Manyuko eMari yeBhizinesi
Manyuko emari yebhizinesi anogona kusiyana zvichienderana nerudzi rwebhizinesi, kukura kwaro, uye nhanho yaro yekukura. Mamwe manyuko emari anowanzo kuwanikwa ndeaya:
1. Mari Yekuchengetedza Mari Yemunhu
Mari yekutanga inotorwa kubva mukuchengetedza mari yemunhu ndiyo nzira iri nyore uye inowanzo shandiswa kuwana mari. Varidzi vemabhizinesi vanoshandisa mari yavo yekuchengeta kutanga nekufambisa mabhizinesi avo.
2. Zvikwereti zveBhangi
Mabhangi ndiwo anonyanya kuunza mari mubhizinesi. Varidzi vemabhizinesi vanogona kunyorera zvikwereti zvine kana zvisina, zvichienderana nemitemo yebhangi uye kuongororwa kwenjodzi.
3. Vanoisa Mari Mumunhu Mumwe Nemumwe
Vanoisa mari mubhizinesi, sevanoisa mari mumakambani, vanhu vanoda kuisa mari mubhizinesi, kunyanya pakutanga kwebudiriro. Kuwedzera pamari, vanoisa mari mubhizinesi vanowanzopa mazano nerutsigiro.
4. Kubatsira vanhu vakawanda
Crowdfunding inzira yekutsvaga mari iyo bhizinesi rinowana mari kubva kuvanhu vakawanda kuburikidza nepuratifomu yepamhepo. Munhu wega wega anopa mupiro mudiki, uyo wozounganidzwa kusvika pahuwandu hwakawanda.
5. Bhizinesi reVenture Capital
Sezvakatsanangurwa kare, mari yebhizinesi inobva kuvanhu kana mapoka anoisa mari mumakambani matsva kana mabhizinesi ane mukana wekukura zvakanyanya.
6. Kutengeswa kweMigove
Makambani akasimbiswa anogona kusarudza kutengesa migove yawo pamusika wemasheya senzira yekuwana mari yakawanda kubva kune vanoisa mari veruzhinji nemasangano.
Kukosha Kwekutarisira Mari Yebhizinesi Zvinobudirira
Kutarisira mari yebhizinesi nemazvo chimwe chezvinhu zvinokosha pakubudirira kwebhizinesi. Kutarisira mari nemazvo kunoita kuti bhizinesi rive nemari yakakwana yekufambisa mabasa aro ezuva nezuva, kufamba mumusika usina chokwadi, uye kushandisa mikana yekukura. Heano mamwe ezvikonzero nei kutarisira mari yebhizinesi kuchikosha:
1. Kugadzirisa Mari Yakawanda
Kugara zvakanaka kwemari kunoita kuti bhizinesi rive nemari yakakwana yekuzadzisa zvinodiwa kwenguva pfupi zvakaita sekubhadhara vashandi, kutenga zvinhu zvekushandisa, uye kubhadhara zvikwereti. Kusatarisira zvakanaka mari kunogona kukonzera matambudziko makuru emari, kukanganisa mashandiro ebhizinesi, uye kutokonzera kubhuroka.
2. Kuronga Nekudzora Mari
Kutarisira mari zvakanaka kunosanganisira kuronga mari zvakanaka uye kudzora mashandisirwo emari zvakanyanya. Izvi zvinobatsira mabhizinesi kuronga nekushandisa zviwanikwa nekuchenjera, kudzivirira kushandisa mari zvisina kufanira uye kushandisa mari iripo zvakanyanya.
3. Kuwedzera Kwesimba Rekugadzira
Mari yakakwana inobvumira mabhizinesi kuwedzera kugona kwavo kugadzira zvinhu, nokudaro zvichizadzisa kudiwa kukuru kwemusika. Kuisa mari mumidziyo mitsva, tekinoroji, uye vashandi vane hunyanzvi kunogonawo kuvandudza kushanda zvakanaka uye kubereka.
4. Kuwedzera Kwebhizinesi
Nemari yakakwana, bhizinesi rinogona kuwedzera mashandiro aro mumisika mitsva, kuvhura mamwe mapazi, kugadzira zvigadzirwa kana masevhisi matsva, uye kushandisa nzira dzekushambadzira dzakasimba. Kubudirira kwebhizinesi kunogona kukonzera kuwedzera kwemari inowanikwa uye kukura kwakasimba.
5. Kutarisira Njodzi
Kutarisira mari zvakanaka kunoita kuti mabhizinesi akwanise kutarisana nenjodzi dzemusika uye kusava nechokwadi. Nekuva nemari yakachengetwa, mabhizinesi anogona kukurira matambudziko akadai sekuchinja kwemitengo, shanduko dzemitemo, kana matambudziko ehupfumi pasina kurasikirwa zvakanyanya.
Mhedziso
Mari yebhizinesi ihwaro hwakakosha hwekuti bhizinesi rirambe richienderera mberi uye richibudirira. Kunzwisisa zvakakwana pfungwa yemari yebhizinesi, mhando dzayo, manyuko ayo, uye kukosha kwekutarisira mari zvinobudirira ndizvo zvakakosha kuti ubudirire munyika yebhizinesi ine makwikwi. Varidzi vemabhizinesi vanofanirwa kutarisira mari yavo nekuchenjera, kutarisisa mari inowanikwa, kuronga nokungwarira, uye kushandisa mikana yekuwedzera nekukura. Nenzira iyi, mabhizinesi haangogone kungorarama chete asiwo kubudirira kwenguva refu pakati pekuchinja kwemusika.
