Pakua Standard Treatment Guidelines chenye urahisi wa kutumia.
Table of contents na bookmarks zinakupeleka moja kwa moja kwenye ukurasa husika kwa haraka.
Hakuna mabadiliko yoyote ya kiamandishi yaliyofanyika.
Bofya hapa ๐ https://t.co/ajEOEYGbcz
@zkBaraka@WashiraX Kuna mtu kakopa anatafuta marejesho kwa lazima kutoka kwa wananchi
Ukiweka lawyer cost yake ni bora wakate hyo kodi yao maisha yaendelee
@AdnanySa@Afruturist@AndreAden70@mBongo I think the best example
Kwenye kitabu cha principles
Ray dalio anaonyesha ametumia AI wayback before chatgpt
And they still grew regardless
Cpati picha CPA guy aweze tumia AI kwa kazi yake, akiweza automate big chunk ya kazi yake
Anapata mda wa kuwa creative and productive
Tanzania will never become a digital economy until digital becomes cheaper chan cash, by cheaper I mean completely free.
Open a bank account? Monthly maintenance fee.
Use the banking app? They cut.
Send money? They cut again.
Deposit 100k and somehow 30% disappears into random charges. Why would anyone use a bank like that?
I moved to Korea 13 years ago. The government decided banks already make enough money from lending out our deposits so all digital transactions became 100% free. Within 6 months everyone switched to digital. I havenโt touched cash in years I forgot what it looks like.
CRDB makes far more from lending than from these fees. They could charge zero and still be highly profitable, all while lending out the money we give them.
Thereโs so much work to do. Iโm going to open a bank in TZ next year. Easy, cheap, safe payments drive everything. Sipendi kusikia hela imekwama hewani subiri wiki nzima. WTF!!
What if we can digitalizing the labour monitoring process instead of using paper based partograph?
Among many things, I spent this week working on digitalizing WHO Labour Care Guide.
You can find it via the GitHub repository
https://t.co/67xJhRhVwE
We are skeptical in consuming genetically modified chickens
We are not worried of the rest of genetically modified agricultural products
There are no data backing my thoughts right now
I am just wondering if there's any truth in these speculation
Kwanini mmiliki wa biashara ndogo anaendelea kuwa na changamoto za kifedha na kuifanya biashara kuwa โstuckโ 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 โbootstrappingโ.
- 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 โbreak evenโ, 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, โpayrollโ 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?
From today, Stempu is available for everyone in Public beta. Stempu is software for businesses to create stamps and stamp documents at 24 X 7
https://t.co/Db9jDxekLi
Our kyc is simple your business name, location + official document for your company
More templates are coming