Franchise ndi franchisee ndizogwirizana kwambiri. Ngati mukufuna chilolezo, ndiye kuti mukapeza mutha kukhala chilolezo. Iyi ndi bizinesi yopindulitsa kwambiri, pakukhazikitsa komwe muyenera kutsatira malamulowo ndikuperekedwa ndi malamulo a chilolezo. Simuyenera kuchita kubwera ndi china chatsopano, kukonzanso bizinesi, kuchita zina zovuta. Ndikofunikira kokha kugula bizinesi yokonzedwa bwino, yotchedwa chilolezo. Wogulitsa chilolezo ndi munthu amene amakhala ndi ufulu wogwiritsa ntchito zida zomwe kampani iliyonse yabwino imagwiritsa ntchito popanga bizinesi.

Simusowa kuti mupange chilichonse kuyambira pachiyambi, muyenera kungogwiritsa ntchito lingaliro lokonzekera. Kuphatikiza apo, dzinali ladziwika kale, zomwe zikutanthauza kuti ndalama zowonjezerapo chidziwitso chazizindikiro zimachepa kwambiri.

Monga gawo la chilolezo, wolamulirayo ayenera kuuza okhawo okhawo kuti ofesi yoyimilira idatsegulira dera lawo. Ndiotsika mtengo kwambiri kuposa kutsatsa mtundu wosadziwika kuyambira pachiyambi. Franchise ikhoza kukhala khofi yomwe mumagula cafe pafupi m'mawa, shopu komwe mumagula, pizzeria yomwe ili ndi dzina lapadziko lonse lapansi ndipo ili pafupi ndi kasitomala wamba.

Ma Franchise ali paliponse ndipo akutchuka. Bizinesi yokonzekera yotsegulira mtundu wa chilolezo imalola wogulitsa chilolezo kuti azingogwiritsa ntchito ndalama zomwe zilipo kale mu bizinesi yoyeserera kale. Mukungoyenera kukhazikitsa moyenera zoperekedwa ndi chilolezo chololeza. Wogulitsa chilolezo sakhala pachiwopsezo chilichonse, popeza pali bizinesi kumbuyo kwake, dzina lodziwika bwino, chidziwitso chachikulu chomwe chakhala chikusonkhanitsidwa kwazaka zambiri kapena ngakhale zaka makumi ambiri zantchito yamphamvu.

Kugulitsa chilolezo kumadziwika ndi kutchuka kwambiri mdziko lililonse. Munthu amene angafune kukhala wolandila ndalama atha kungopeza ndalama, kupeza anthu ogwira ntchito malinga ndi momwe angafunire, kupanga bizinesi, ndi kupeza zotsatira. Ngakhale zinthuzo nthawi zambiri zimachotsedwa kudziko lomwe amachokera. Izi ndizosavuta chifukwa mutha kupulumutsa anthu ogwira ntchito ndi zandalama. Palibe chifukwa chokhazikitsira njira kapena kugwira ntchito pamtundu. Zonsezi zilipo kale kwa inu ndipo zatsala ndikukhazikitsa mtundu wa biz wokonzeka womwe umabweretsa ndalama ngati bonasi.

Wogulitsa chilolezo amatha kugwiritsa ntchito bwino chilolezocho, kulandira gawo lalikulu lazachuma chomwe angathe. Malamulo a chilolezocho amakambidwa mwachindunji ndi omwe amapereka ndipo akhoza kukhala osiyana. Mwachitsanzo, nthawi zonse mumatha kutenga gawo la phindu, kapena mutha kuvomereza pazinthu zina, zimatengera mwini wa mtundu womwe wagwiritsidwa ntchito.

Ndikokwanira kungogula chilolezo ndikugwiritsa ntchito zomwe zakhala zikuchitika ndi mibadwo yam'mbuyomu zikafika pamalonda akale. Muyenera kukhala osamala kwambiri ndikupewa zolakwitsa chifukwa zolakwika zilizonse pakupanga chilolezo zitha kuzindikiridwa kenako wolowererayo amalandira zovuta m'malo mopindula. Koma izi sizomwe zimachitika kawirikawiri, chifukwa chake, muyenera kuyang'ana pakukwaniritsa koyenera kwamaofesi.

Kutsatira chilolezo ndikuwonjezera zowonjezera pamakampani ampikisano. Kupatula apo, ma franchise ambiri amagwiritsa ntchito njira yakomweko, mwachitsanzo, ku McDonald's amagulitsa zikondamoyo ngati zili ku Russia. Ngati chilolezo chofananira cha McDonald chitsegulidwa ku Kazakhstan, ndiye kuti cafe yodyera mwachangu imapatsa mwayi wosankha ma burger omwe ali ndi nyama ya akavalo kwa anthu amderalo.

Ndi kupezeka kwa chilolezo mu mgwirizano, chilolezo cha inshuwaransi ya katundu chimakhala mtundu wofala kwambiri wa inshuwaransi ndipo kuchuluka kwa mapangano otere kukukulirakulira. Kukopa kwa inshuwaransi ya katundu ndi chilolezo ndizodziwikiratu ndipo kumathandizirana onse omwe asainira panganolo. Kuthekera kosaphimba zina mwazowonongekazo, munjira zandalama, zomwe sizibwezeredwa kwa wolandira ndipo sizimalipidwa ndi inshuwaransi, ngati pangakhale chochitika cha inshuwaransi - chomwe chimatchedwa chilolezo, mukamapereka inshuwaransi yosunthika , ili ndi mbali zake zabwino. Kwa omwe ali ndi inshuwaransi, kupezeka pamgwirizano wa zomwe zatsimikizidwa, zochotseredwa pamalipiro, kuchuluka kokwanira kapena kuchuluka kwa kuchuluka kwa inshuwaransi kapena kuchuluka kwa zomwe walandidwa, zimapulumutsa ndalama mukamapereka mfundo. Wopindulitsayo amalandila mwayi woti asathetse msanga ubale wamgwirizano ndi inshuwaransi, kuti asunge umphumphu wa malipiridwe a inshuwaransi, ndikuulandila pakawonongeka kwakukulu chifukwa cha zinthu zakuthupi. Ndi zomvetsa zochepa, ndalama zochepa, ali wokonzeka kudziyimira pawokha, mwaufulu kubweza zomwe watayika, osafuna kulipidwa ndi kampani.

Kuwonetsera mgwirizanowu, kuchuluka kwa chilolezocho, kumapereka mwayi wokhala wakuda kwa onse omwe ali pachibwenzi. Pamaso pazinthu zazing'ono komanso kutayika kwachuma, ngati kuwonongeka pang'ono, mikwingwirima, ming'alu, zotayika ndi madzi kuchokera kuzinthu zotenthetsera, kapena kuwongolera kwa zimbudzi, ndikosavuta kwa omwe ali ndi inshuwaransi kuti athetsenso mavuto ang'onoang'ono, kukonza pang'ono za malowa, kuposa kutenga nawo mbali komanso 'zolembalemba, kudzaza zikuluzikuluzo mukalembetsa ndalama. Kuphatikiza apo, ntchito yolemba payokha imatha kukhala ndi ndalama zosadziwika, zochulukirapo kuposa kuchuluka kwa kuwonongeka komwe kwachitika, kuphatikiza nthawi, khama, ndi 'misempha' yomwe siyofunika. Kuti afotokozere kuyenerera kwa chilolezo kwa inshuwaransi ndi wopanga mfundo, kuchuluka kwa zotsimikizika kuyenera kupitilira kuchuluka kwa zomwe zingalandidwe ndikukwaniritsa onse omwe akuchita nawo mgwirizano. Mwa mitundu, kuwonjezera pa zodalitsika zovomerezeka, malo opangira zida, zosankha zina zimagwiritsidwa ntchito - zopanda malire, zosakhalitsa, zamphamvu, zomwe maziko ake ndi malipiro. Ngati mukugwirizana ndi inshuwaransi ya katundu wokhala ndi chitsimikizo chovomerezeka, kuchuluka kwa chiwonongeko ndi chiwonetsero chonse, chomwe chimaperekedwa mgwirizanowu, ndizofunikira kwambiri. Mukawonetsedwa mu mgwirizano wa inshuwaransi - deductible yopanda tanthauzo, zikutanthauza zinthu zomwe zimachitika pomwe kuchuluka kwa katundu sikulipidwa ndi inshuwaransi ndipo amachotsedwa pakuwerengera ngati kutayika sikupitilira kuchuluka kwa deductible, chifukwa chake osabwezeredwa kwa wopanga mfundo.

Kusinkhasinkha kwa mgwirizano wa inshuwaransi ya katundu - kotsimikizika kwakanthawi, kumatanthawuza momwe kuwonongeka kwakuthupi kwa wopanga malamulowo kuli koyenera munthawi inayake pamasiku amtundu wa deductible. Ngati kuchotsedwa kwakanthawi, tsiku loyenera la inshuwaransi latha, ndiye kuti kulipira kwa inshuwaransi sikukuyenera ndipo sikulipidwa. Kuchuluka kwa inshuwaransi yodula katundu kumadalira pamikhalidwe ina ndipo imatha kusiyanasiyana. Kuchuluka kwa kuwonongeka komwe sikulipidwa kumasiyana ndipo kumadziwonekera m'makampani osiyanasiyana a inshuwaransi m'njira zosiyanasiyana, mwachitsanzo, mu inshuwaransi yoyamba, 100% imalipidwa, ndiye kuchuluka kwake kumachepetsedwa ndi 20% kapena kupitilira apo. Phindu la inshuwaransi ya katundu wokhala ndi chilolezo limakhala ndi tanthauzo losatsimikizika komanso lopanda malire, lopangidwa kuti likhale ndi chitetezo chotsimikizika cha chitetezo cha katundu wa anthu ndi mabungwe azovomerezeka, pamalipiro ena. Kugwiritsa ntchito njira yolandirira inshuwaransi kumapereka mpata wochepetsa ndalama za omwe ali ndi inshuwaransi ndikusunga wolandirayo kuti abwezere ndalama zomwe amawonongera ndalama.

Chilolezo chokhala ndi kampani ya inshuwaransi ndichinthu choyenera, pochita izi, muyenera kukumbukira za zoopsa zomwe mumakumana nazo. Bizinesi ya inshuwaransi ikhoza kukhala yowopsa kwambiri chifukwa choti mukuchita ndi ndalama komanso zovuta. Muyenera kukhala ndi masheya ena panjira yachitetezo. Mwa kulumikizana ndi chilolezo, mutha kupeza zidziwitso zatsopano ndi bizinesi yomwe mwakonzekera. Kuphatikiza apo, ukadaulo wapamwamba komanso kudziwa kwapadera sikuyenera kupeputsidwa, koma kuyigwiritsa ntchito kuti mukwaniritse zotsatira zabwino kwambiri. Khazikitsani chilolezo moyenera, ndikubweretsa kampani yanu ya inshuwaransi kuntchito yatsopano.

Mudzakhala ndi mwayi wokwaniritsa zotsatira zabwino mu mpikisanowu chifukwa ndizotheka kugwiritsa ntchito chizindikiritso chodziwika bwino, ukadaulo wapamwamba, komanso kuthekera komanga ndikugwira bwino ntchito zamabizinesi. Kampani yanu ya inshuwaransi itha kulowa mu niches yayikulu ngati idzagulitsidwa kutsatira malamulo ochokera kwa omwe akuyimilira chilolezo.

Simuyenera kupereka zovuta kwa omwe akutsutsana nawo kuti akupezeni. M'malo mwake, onetsetsani kuti nthawi zonse mutha kuyenda patsogolo mukamagwira ntchito ndi chilolezo. Kupatula apo, uwu ndi mwayi wapadera wolowa mumsika ndi mwayi womwe ulipo kale, chifukwa chomwe mudzatha kukhazikika komanso kwanthawi yayitali mumagwiridwe antchito okhala ndi ziphuphu zotsogola. Kampani ya inshuwaransi yomwe imachotsedwanso imakulolani kuti mulemeretse wogulitsa. Kupatula apo, muyenera kulipira ndalama zochuluka kale koyambirira. Izi ndi ndalama zowoneka bwino, zomwe zimawerengedwa kuti ndi gawo la ndalama zanu, zomwe zimaperekedwa koyambirira kwa ntchito yanu.

Ndondomeko yamabizinesi oyendetsedwa bwino komanso moyenera yamakampani a inshuwaransi ikuthandizani kuthana ndi zovuta zilizonse, ngakhale zimawoneka zovuta bwanji.

Kuphatikiza pa chopereka cha ndalama, kuchotsera pamwezi kumaperekedwanso koyambirira. Izi ndi mafumu, komanso chindapusa, chomwe chimatchedwa kutsatsa. A inshuwaransi yogwira ntchito bwino ikupatsani mwayi woti mupambane mpikisano ndi ziwonetsero zowononga kwa omwe akukutsutsani. Chitirani zochulukirapo makasitomala anu kuposa omwe mukupikisana nawo mwachindunji. Izi zidzakupatsani mwayi wothana ndi zovuta zilizonse, ndikuwonetsanso kukhulupirika kwapamwamba. Makampani otsatsa malonda akangolowa mumsika amathanso kuchitidwa molingana ndi malamulo ndi malangizo omwe akuyimilira mtunduwo.

Ndondomeko yamabizinesi yokonzedwa bwino imakuthandizani kuti mugwiritse ntchito chilolezo ku kampani ya inshuwaransi yomwe ili ndi zotsatira zabwino. Mutha kuchepetsa zotayika ndikuwonetsetsa kuti muli ndi mwayi wokhala bizinesi yopikisana kwambiri. Gwiritsani ntchito kukhathamiritsa kwa njira zamabizinesi, kuzichita moyenera komanso osalakwitsa. Komanso, zochita zokha siziyenera kupeputsidwa; m'malo mwake, iyenera kugwiritsidwa ntchito moyenera kwambiri.

Pazogulitsa zamakampani a inshuwaransi, zingakhale bwino kugwiritsa ntchito dongosolo la CRM. Idzakupatsani mwayi wogwiritsa ntchito zopempha zomwe zikubwera ndikuchita bwino kwambiri. Osalakwitsa ndikugwira ntchito molingana ndi malamulowo, ndikukhala wosewera mpikisano komanso wolimba pamsika. Zachidziwikire, muyenera kutsatira kavalidwe ka ogwira ntchito mukamayendetsa chilolezo ndi kampani ya inshuwaransi. Mwina mudzapatsidwa yunifolomu yokonzedwa bwino, kapena muyenera kudzisoka nokha pogwiritsa ntchito njira zomwe muli nazo. Kuphatikiza apo, nambala yakapangidwe iyenera kutsatiridwa kuti ikwaniritse mayendedwe athunthu ogwirizana.

Pulojekiti yokonzedwa bwino idzapereka zida zonse kuti zitsimikizidwe bwino. Chilolezo pakampani yomanga chidzachitika ndi buku lazamalonda. Ili ndi chikalata chamutu chomwe chimaperekedwa kwa inu kuti mutha kuyang'ana choyambirira nthawi iliyonse.

Chilolezo chopanda ndalama zonse ndi mwayi wabwino kwambiri. Masiku ano, makampani ambiri amagwira ntchito popanda ndalama zolipira ndalama zambiri, poganizira za mpikisano womwe ukukula nthawi zonse, wopatsa omwe ali ndi mwayi pazinthu zosiyanasiyana. Kuti mumve bwino za zomwe amafalitsa, komanso kupezeka kwa zolipiritsa, muyenera kupita ku mndandanda wama franchise odziwika bwino mderali. Mutu wa ntchito m'ndandanda wa chilolezo ndi kuthandiza amalonda novice kupeza malonda awo, kupeza anthu a maganizo ofanana, kupanga bizinesi mu mtundu wina uliwonse wa ntchito. Mwachitsanzo, wophunzira, mayi wapanyumba, kapena wabizinesi wosadziwa zambiri yemwe akufuna kuyambitsa bizinesi yake, pali ndalama, koma osakumana nazo. Kapena, m'malo mwake, ndalama sizokwanira kuyambitsa bizinesi panokha.

Chifukwa chake, malo ogulitsa masheya amagwirira ntchito molingana ndi malamulo omveka bwino, kupereka mabizinesi pamtengo wotsika, wapakatikati, komanso wokwera kwamakampani, omwe nawonso, ali ndi chidwi chothandizana nawo, kufikira zigawo.

Kupatula apo, ndibwino kuti ma franchisor afunefune chilolezo kumadera ena, komwe onse atha kutsegula malo ogulitsira, kuwongolera ntchito zonse za omwe ali pansi pawo, ndikuwongolera mofananamo pansi paufulu wofanana, kuti athandizire mbali zonse ziwiri. Ndalama zolipirira zokha ndi zomwe zimatsimikizira wolandila ufuluwo, panthawi yomwe amasaina kontrakitalayo komanso asanayambe ntchito, kupereka chidziwitso, njira yothandizira, kulumikizana, komanso kubisa zinsinsi. Ndalama zolipirira chilolezocho zimatsimikizika kutengera mtengo womwe ungalandiridwe pang'onopang'ono, mutakambirana zonse ndi mnzake.

Ngati chilolezocho ndichokwera mtengo kuchokera ku mtundu wodziwika bwino, ndiye kuti muyenera kutenga zoperekazo mozama kwambiri, chifukwa sizabweza. Ndalama zoperekera ndalama zitha kutchedwa kuti ndalama zonse zomwe zimatuluka kuchokera kwa franchisor poyerekeza ndi wogulitsa, potengera dzina, dzina, kuchezera misonkhano, kuthandizira kupeza ntchito, kupereka mwayi kwa kasitomala, kanthu pulani, komanso maulendo kuti mutsegule mfundo zatsopano, ndi zina zambiri. Mukamagula chilolezo kudzera m'ndandanda, kapena mulibe ndalama, muyenera kumvetsetsa kuti, choyamba, kutsatsa, kupeza chidziwitso, kuchuluka kwa makasitomala atsopano, ndi zina zambiri. Komanso, m'ndandanda wazamalonda, ndizotheka kuwerengera pasadakhale mtengo wa ndalama, kubweza, ndi zina zomwe zimasokoneza bizinesi iliyonse.

Kuti mudziwe bwino zomwe zingatheke, zopereka zomwe zilipo pakadali pano, werengani ndemanga za makasitomala athu, ingotsatirani ulalowu mwachindunji ku sitolo yogulitsa katundu. Mutha kufunsa mafunso ndikufunsira akatswiri athu pogwiritsa ntchito zidziwitso zomwe zingapezeke pamenepo.

Auto inshuwaransi chilolezo - kupezeka paliponse mu inshuwaransi yodzifunira ndikofunikira mukakhazikitsa inshuwaransi ya galimoto. Auto inshuwaransi chilolezo ndi 'kutayika kosalipidwa'. Pochita ndi inshuwaransi yagalimoto, mitundu yofala kwambiri komanso mitundu yamagwiritsidwe yomwe imagwiritsidwa ntchito mobwerezabwereza imakhala yovomerezeka, yopanda malire, komanso yamphamvu. Inshuwaransi yamagalimoto yomwe imadulidwa imapereka zomwe zimagwirizanitsidwa kale pakati pa inshuwaransi ndi omwe akukhala ndi mfundo zakuwononga zinthu zomwe sizingakhutitsidwe komanso kusalipidwa kwa ndalama. The deductible imawonetsedwa mu malipiro okhazikika kapena kuchuluka kwa kuchuluka kwa inshuwaransi kapena kuwonongeka komwe kwachitika. Ndi deductible yopanda malire - kuchuluka kwa zolipira inshuwaransi kumawerengedwa ngati kusiyana pakati pa kuchuluka kwa zotayika ndi muyeso wonse wa deductible.

Mphamvu imalola kusintha kuchuluka kwa zoperekera kwa olandira, kumasintha kuchuluka komwe sikuphatikizidwe pamalipiro. Njira zotsimikizika zoperekera makampani ogwira ntchito ndizosiyana ndipo zimatha kusiyanasiyana kutengera kuchuluka kwa milandu, kuyambira pa zana limodzi pazopereka koyamba za inshuwaransi ndipo zocheperapo makumi awiri pa 100 pazochitika zadzidzidzi zotsatirazi. Cholinga chachikulu ndikugwiritsa ntchito ufulu wamagalimoto ndikuchepetsa kuchuluka kwa zomwe olemba milandu akuwononga zazing'ono ndi zolipira zazing'ono. Pazinthu zonse zolembetsera zochitika za inshuwaransi mwanjira ina, kufunsa, zikalata zogwiritsa ntchito magalimoto, kuchita mitundu yonse ya njira zamagalimoto ndi kuwunika, ndalama zolipirira ndalama zimapangidwa, chiwerengerocho, mtengo wake wonse womwe umaposa kuchuluka kwa kutayika komwe kumachitika ndipo kumabweretsa nthawi yayikulu 'yowononga'. Kwa inshuwaransi, chilolezocho chimapereka chithandizo ndikuthandizira kupewa ndalama zopanda pake, ndipo omwe ali ndi inshuwaransi - amapereka mwayi wosunga ndalama ndikuchepetsa kwambiri kutenga nawo mbali kwa ogwira ntchito kuti athetse vutoli. Kuchuluka kwa zotsimikizika kumakhudza mtengo wa inshuwaransi yamagalimoto, kutsika mtengo wake, kukwera mtengo kwa inshuwaransi, komanso mosemphanitsa. Inshuwaransi yamagalimoto yotsimikizika ndiyosangalatsa kwambiri pakati pa oyendetsa bwino omwe nthawi zonse amatsata kayendetsedwe koyenera ka galimoto, kutsatira malamulo apamsewu, komanso kutchera khutu m'misewu.

Apa mfundo ya kuyendetsa galimoto popanda ngozi ndikupeza zabwino zakuthupi ikuphatikizidwa. Ngozi zocheperapo komanso zochitika za inshuwaransi, kuyimba kocheperako ku kampani ya inshuwaransi, kenako, kuchotsera zochulukirapo peresenti ndi phindu la kasitomala wokhazikika, ndikulipira inshuwaransi yonyamula pambuyo pake. Kwa kampani ya inshuwaransi, inshuwaransi yodzifunira yamagalimoto yokhala ndi kasitomala wamkulu wa madalaivala odziwa bwino ndi bizinesi yopindulitsa.

Chilolezo chopanda kulipira ngongole chimakhalanso ndi ufulu wokhala. Chofunikira ndikuti mukambirane zofunikira zonse ndi wogulitsa musanamalize mgwirizano. Ngati mukufuna kugula chilolezo, muyenera kuyang'ana m'ndandanda kapena webusayiti, yomwe ndi malo ogulitsira amtunduwu. Kulipira koyambirira sikofunikira nthawi zonse kuchotseredwa. Izi zimatengera momwe zinthu zilili, momwe amafotokozera payekha. Nthawi zambiri, zimakhala zosatheka kupeza ndi kulimbikitsa chilolezo popanda kubweza.

Wogulitsa sakugwirizana ndi izi, Komabe, mlandu uliwonse ndiwokha. Mwambiri, mtunduwu umagwira bwino kwambiri ndipo wabweretsa kale ndalama zambiri kwa iwo omwe akuchita nawo.

Malipiro oyambilira nthawi zambiri amapatsidwa chidwi chapadera chifukwa sialiyense amene atha kugulitsa chilolezocho ndikupatsanso wogulitsa nthawi yomweyo. Ndicho chifukwa chake oimira ambiri odziwika bwino ali okonzeka kukambirana ndikukambirana za mgwirizano. Malipiro apansi nthawi zambiri amapangidwa mukamaliza mgwirizano mukalandira zonse zofunika pa chilolezo. Izi ndizosavuta kugwiritsa ntchito malamulo ambiri odziwika bwino komanso opambana. Komabe, mutha kupeza mayankho ovomerezeka kuchokera patsamba loyenera, pomwe palinso zosankha zingapo. Nthawi zonse kumakhala bwino kusankha pamitengo yambiri kuti mupeze zabwino pamapeto pake.

Ngati mukufuna chilolezo chopanda malipiro, nthawi zambiri muyenera kukhala okonzeka kuti zina mwazomwe zikuperekedwazo sizikukuyenderani.

Chilolezo chopanda malipiro ndichosowa. Komabe, kuti mupange chisankho cholondola kwambiri, muyenera kukambirana mwachangu kulumikizana kwina ndi boma komwe mungapeze ufulu wogwiritsa ntchito logo ndi mabizinesi. Chilolezo ndi ndalama zabwino kwambiri. Wogula amangotenga mtundu womwe ulipo ndikuugwiritsa ntchito kuti apeze ndalama. Malipiro oyamba mukamagula chilolezo chitha kukhala pakati pa 9 mpaka 11%, Zonse zimadalira momwe zimayendera ndi chizindikiritso china. Palinso zosankha zina pamene chilolezo chimaperekedwa popanda kulipiritsa koyamba.

Zimangodalira momwe mumakwanitsira kukambirana komanso momwe zinthu zilili pakadali pano.

Chilolezo chopanda kubweza chimatha kukhala chipulumutso chenicheni kwa ena mwa omwe angakhale mabizinesi.