In The future there will only be three ways to live, you either ;
1 ) You work Against the system, which by guarante you will fail.
2 ) You sit and believe that the system won't replace you, which is a falasy .
3 ) You learn to work With the system which is guaranted success 100%
Ni muda mrefu sana umepita tangu niandike THREAD hapa X; It's almost been a year now.
Mimi hua sio mbinafsi wa kutoa MADINI. Tuliza akili, chukua kalamu, notebook, na calculator.
Anguka nayo👇🧵
💨weka picha yako ChatGPT ujaribu hii prompt
"Bob Marley and I ate pecel fish at roadside stallgi in Tanzania (c.2000). Sitting on plastic bench with rice and fried catfish on our plates, chili sauce and iced tea beside us . The banner "pecel catfish" is colourful and a little Kusut hanging on background. Hard direct flashes, deep shadows, a slightly too exposed face, soft grain, warm vintage tones, 35mm film aesthetic, honest street feel at night"
Utanishukuru😁
Kwanini mmiliki wa biashara ndogo anaendelea kuwa na changamoto za kifedha na kuifanya biashara kuwa “stuck” kwa muda mrefu?
1. Kukosa elimu ya fedha binafsi (personal financial literacy)
- Ukiwa mmiliki wa biashara unaangalia sana jinsi ya kusimamia biashara na unasahau kuwa wewe mwenyewe kwanza unahitaji elimu ya fedha.
- Bila hivyo, hutaweza kuweka akida na kujilipa, unaishia kila saa kutumia fedha za biashara.
2. Elimu ndogo ya mikopo
- Kuchukua mkopo ambao biashara haina uwezo wa kulipa, inabidi ukope tena ulipe deni.
- Kama gharama za mkopo ni 20% kwa mwaka, na faida yako baada ya gharama za uendeshaji (EBITDA) ni chini ya 20%, huo mkopo sio size yako.
3. Kusubiri mtaji wa nje
- Yes, biashara kukua inahitaji uwekezaji, ila uwekezaji wa kwanza unaanza na wewe, tunaita “bootstrapping”.
- Chukua zaidi ya 50% ya faida rudisha katika biashara
- Kwa biashara ndogo, miaka 3 inatosha kuanza kutoka kwenye hasara (break-even). Kama una zaidi ya miaka 5 kwa biashara ndogo na bado huja “break even”, kuna tatizo kubwa, either wewe au biashara.
4. Ripoti
- Hutengenezi ripoti za fedha, hivyo hujui nini kinakukwamisha.
- Biashara nyingi ndogo zinachangamoto nyingi kama gharama za awali ni kubwa kuliko mauzo, gharama za uendeshaji ni kubwa kuliko wastani wa sekta, au upangaji wa bei ni mbaya unatoa huduma kwa hasara muda wote
- Je unaanda ripoti za fedha ili ujue tatizo liko wapi?
5. Unataka kukua haraka
- Unataka kukua haraka kabla ya muda na madhara yake unaishiwa pesa mapema. Unaajiri watu wengi mapema, unataka ofc kubwa mapema, “payroll” yako kubwa kuliko uwezo wa kampuni.
6. Umejizima data
-Wewe unalalamikia tu watu wengine, sera mbaya, kodi nyingi, wateja wakorofi, n.k, je wewe mwenyewe umejitathmini? labda wewe ndo tatizo
- Vp mindset yako? vp elimu yako ya fedha? vp elimu yako ya biashara? unaona havina umuhimu?
We seem to be living in a loveless society, where attention replaces affection, performance replaces presence, and deep love is traded for shallow validation. Everyone's trying to look like they care, but few actually do...