Ndalama zoyendetsera ntchito zowerengera ndalama ndi bizinesi yopindulitsa mtsogolo. Komabe, atha kukumana ndi zoopsa zina zomwe zimawopseza kukhazikitsa ntchitoyi. Mukamayendetsa chilolezo, muyenera kukumbukira kuti iyenera kukhala yotchuka kwambiri mdera lomwe mumatsegula. Ngati mukufuna chilolezo chowerengera ndalama, ndiye kuti chisankho choyenera ndicho kusankha njira yoyenera kwambiri. Pachifukwa ichi, masitolo ndi malo osiyanasiyana omwe amagulitsidwira amakhala oyenera. Ntchito zowerengera ndalama zimayenera kusamalidwa makamaka chifukwa chakuti izi ndizofunikira kwambiri zomwe, ngati sizichita molakwika, zimawopseza kukhazikika kwa bizinesi.

Muyenera kugwira ntchito ndi chilolezo chowerengera ndalama osalakwitsa kuti musavutike osakonza makasitomala anu. Chifukwa chake, chilolezo ndi mtundu wa zochitika pakukhazikitsa zomwe zolakwika sizovomerezeka. Mukalakwitsa, ndiye kuti simulephera nokha komanso franchisor, yemwe adakupatsani mwayi wogulitsa ntchito ndi katundu m'malo mwawo. Gwirani ntchito ndi kuphunzira zambiri kudzera pazithunzi ndi zithunzi kuti zisankho zavuto zisakhale zovuta. Kukhala ndi zidziwitso zaposachedwa kukuthandizani kusankha koyenera.

Chilolezo chothandizira pantchito zowerengera ndalama chitha kukhala pulojekiti yomwe ingakhale yopindulitsa pokhapokha ngati ikuyendetsedwa bwino. Choyamba, muyenera kukumbukira kuti mupeze zocheperako kuposa omwe amakutsutsani. Kupatula apo, muchita zinthu m'malo mwa woyimilira, chifukwa chake, muyenera kumulipira ndalama zingapo kuti akhale ndi mwayi wogwira ntchito ndi chilolezo chazachuma. Iyi ndi ntchito yamabizinesi, yomwe ndiyofunika kuyang'anira zambiri, ngakhale zowoneka ngati zazing'ono. Kukhala ndi chidziwitso chokwanira kumakupatsani mwayi pampikisano, chifukwa chake, mutha kuthana ndi zovuta zilizonse, kuthana nazo ndikukhala olimba. Kugwira ntchito ndi chilolezo chazachuma pantchito zowerengera ndalama ndi ntchito yovuta kwambiri, momwe muyenera kuyang'anira.

Mwambiri, kugwira ntchito ndi chilolezo, muyenera kupeza mulingo wambiri kuposa amalonda ena omwe sagwiritsa ntchito ntchito yotchuka. Izi zimachitika kokha chifukwa mumalipira mpaka 10% ya ndalama zanu kuti mugwire ntchito ndi chilolezo chowerengera ndalama. Chifukwa chake, ziyenera kulipira.

Chilolezo chowerengera ndalama ndi bizinesi yodalirika, yomwe ikukula yomwe mavuto osiyanasiyana sangapeweke. Atha kugonjetsedwa mosavuta kenako mudzatha kuchita bwino. Izi zimafuna kukonzekera bwino. Kugulitsa chilolezo ndi njira yodziwikiratu. Pali zofananira zina ndi zolipira lendi. Kupatula apo, inu, pozindikira chilolezo chowerengera ndalama, mumakhala ndiudindo wina.

Choyamba, ndikofunikira kutsatira mosamalitsa miyezo ndi malangizo. Kachiwiri, izi ndi zopereka pamwezi. Chachitatu, kumayambiriro kwa chilolezo chosungira ndalama, mumalipira ndalama zoyambirira, zomwe zimatchedwa kuchotsera ndalama. Kuchuluka kwake kumasiyanasiyana ndipo zimadalira pamgwirizano wanu. Kawirikawiri, pogulitsa chilolezo chowerengera ndalama, kuchotsera ndalama kumatha kuchoka pa 10 mpaka 11% ya ndalama zonse. Ndalamazo ziwerengedwa ngati gawo la ndalama zomwe mumapanga koyambirira kwa bizinesi. Ngati ndinu osungira ndalama, muyenera kukhala bwino kuposa omwe mukupikisana nawo.

Uwu ukhala mwayi wotsatira wopikisana nawo. Izi, limodzi ndi mabhonasi ochokera pakampani yogulitsa masheya, zithandizira kuchuluka kwamakasitomala. Ndikofunikira kuyanjana ndi kufunikira koyenera. Kuti mudziwe, muyenera kuchita kuwunika kwa SWOT.

Zolakwitsa sizilandiridwa pantchito yosunga ndalama. Chifukwa chake, woimira chilolezo sangasangalale ngati mungalakwitse ndikuwononga dzina la chilolezocho. Kupatula apo, mitengo yotchuka nthawi zonse imakhala yovuta kwambiri komanso yowononga. Ndikofunikira kupewa zolakwazo m'njira iliyonse, kukhala bizinesi yopambana komanso yopikisana pamsika. Pangani chilolezo chokhala ndi ndalama moyenera komanso popanda zovuta, ndiye kuti mudzachita bwino. Mutha kuwonjezera kuchuluka kwa ma risiti a bajeti, kukhala wamalonda wopambana kwambiri komanso mpikisano.

Simudzakhala ndi zovuta ndi pulani yayikulu kenako, kampaniyo ikhoza kuchita bwino mwachangu. Chilolezo chowerengera ndalama ndi bizinesi yomwe ingakumane ndi zovuta zosiyanasiyana pakukwaniritsidwa kwake. Muyenera kuthana nawo malinga ndi pulani yomwe idapangidwa kale. Kukonzekera moyenera kuli kale theka la mtengo wopambana. Ndalama zoyendetsedwa bwino zowerengera ndalama zimakupatsirani ma code a malo ndi kavalidwe ka ogwira ntchito. Zidzakhala zotheka kuvala antchito anu mogwirizana kwathunthu ndi chilolezo choyambirira cha bizinesi. Kukongoletsa malo anu kukupatsani mwayi woti musinthe kwambiri mbiri ya mtundu wanu.

Khazikitsani chilolezo chowerengera ndalama moyenera momwe mungathere, kenako kampani yanu ipeza zotsatira zabwino ndikupambana. Khalani wochita bizinesi wopambana komanso mpikisano ndipo mudzatha kuthana ndi zovuta zonse popanda vuto lililonse.

Nthawi yolipira ngongole yogulitsa, monga malo omwe anthu ambiri amagwiritsa ntchito chilolezo, malinga ndi ziwerengero, zimasiyana miyezi iwiri kapena kupitilira pamene mulandira ndalama za theka la mwezi mpaka 25-35% yazandalama. Kupeza phindu lalikulu chonchi, komanso kuchuluka kwa ndalama zomwe zimatuluka mwachangu, zimakonzekereratu kayendetsedwe ka malonda, kusankha koyenera kwa katundu wopezeka, kupezeka kwa malonda a 'flair' ndi 'vein' yogwiritsira ntchito otchuka mtundu. Okonza ma biz franchise amadziwika ndi kuthekera kokhazikitsa njira zoyendetsera kutsatsa kwapaintaneti pazofunikira pazogulitsa mdera lawo ndi dera lawo. Unikani molondola mpikisano wamsika, pangani zowerengera zolondola zowerengera ndalama za ndalama zomwe akuyerekezera, kuphatikiza ndi kuchuluka kwa 'kutuluka' kwa anthu ndi kutchuka pakati pa anthu ogulitsa, ndiwo njira yopambana ndi chilolezo chatsopano chobwezera mwachangu. Ndiko kukondera kwa bizinesi yokhala ndi chilolezo, njira yophatikizira yowerengera zochitika kubizinesi, zomwe zimatsimikizira nthawi yolipira chilolezo ndikupeza phindu lalikulu pamalonda, katundu wambiri, popereka ntchito kwa ogula ndi anthu okhala m'nyumba ntchito.