Imwe yedzenzira dzekudyara mune yepakati nepakati yakareba ndeye chirongwa chinoitwa nevamabhizimusi. Iko kwaunogona kuwana zano rekuvandudza yako wega kambani. Kwete chete nepfungwa yekuwana a dzokera kumari yakoasi kugutsa zvishuwo zvako zvehunyanzvi. Nekudaro, iwe une zvakashata zvekuti iwe uchazoda kukosha kwemari mune yako yekutarisa account kuvandudza iyo project.
Kutarisana nedambudziko iri, mhinduro hombe yauinayo ndeyokupa mari yakazvimiririra iyo mabhangi, masangano echikwereti uye kunyangwe online platforms. Kuburikidza neiyi migero yezvemari iwe unenge uine mari inodiwa yekuita fungidziro yako yekuita iro rekare chirongwa icho iwe chawanga uchifunga kwemakore mashoma
Iri danho rako pachako rinokutendera iwe kuve nyanzvi pane rako ramangwana. Asi zvinotonyanya kukosha, iko kugona kusvika kumusoro kwazvo. Kana zvese zvikakura mushe, unenge uri muchinzvimbo chekuwana muhomwe yemari kwemakore mashoma. Semubairo wekushanda kwako. Pamusoro pekuita kwaunogona kuburitsa kuburikidza mari yakawanda kana shoma. Zvese zviri pamari inoshanduka (kutenga nekutengesa masheya pamusika wemasheya, mari yekudyara, simbi dzakakosha, nezvimwewo) kana yakatarwa (nguva yekuisa mari, manotsi ekuvimbisa kubhengi kana chikwereti cheveruzhinji, pakati pezvimwe zvikumbiro).
Zvinotarisirwa kune vezvemabhizimusi
Iwo mweya wezvemabhizimusi weSpanish uchiri wakasimba mushure memhedzisiro yedambudziko rehupfumi. Izvi zviri pachena kubva ku data rakapihwa neWorld GEM Report (Global Entrepreneurship Monitor) inoenderana negore remari ra2015, iro rinoratidza kuti chikamu chebhizinesi ichi yakakura kusvika pa5,7% panguva ino. Iko kugona kwehutungamiriri, ruzivo kana chishuwo chekuzadzisa zvimwe zvinangwa muhunhu hwavo hwehunyanzvi zvimwe zvezviratidzo zvinozivisa nhengo dzayo.
Kunyangwe zvese, iyo yemari chinhu chinoramba chichiita sarudzo yekusimudzira, kuchengetedza uye kuwedzera ayo mitsara yebhizinesi. Mari yezvemapurojekiti avo ndeimwe yezvinhu zvinovashungurudza, ichive chikamu chakakosha cheichi chiitiko. Hazvishamisi kuti imwe yedzako nzira dzekutanga dzinofanirwa kunge dzakavakirwa pane izvo zvaunoda chaizvo uye masosi anowanikwa nguva dzese kutora mari yezvemari kutsanangura marongero ako emabhizimusi.
Kubva pane akajairika mamiriro, chimwe chezvinangwa zvacho zvikuru chine tsvaga mari yekuwana mari kwavanofanirwa kuenda uye kuti imarii yavanowana kuburikidza navo. Parizvino, zvikwereti zvakavanzika ndiyo yakanyanya kukosha nzira yekuwana mari mumusika wezvemari. Inonyanya kuenda kuburikidza nezvakataurwa nemabhangi zvave kusimukira, asi zvakare kuburikidza nemitsetse yepamutemo inoitirwa zvakanyanya kune vanamuzvinabhizimusi, uye vezvemabhizinesi mune vese.
Nezve izvo zvekare, kumwe kuderera kwakacherechedzwa kusimudzira chiitiko chehunyanzvi. Zvirongwa zviri pasi pemakore mashoma apfuura, kunyangwe pasi pemamwe makwikwi emakwikwi mamiriro semhedzisiro yemutengo unodhura wemari nevakuru vemari yemunharaunda. Uye izvo zvakatungamira mukukosha kwayo kuve kusipo, pa0%. Kunyangwe zvakadaro, kuchine akawanda mamodheru ayo vanogamuchira vako vanogona kunyorera, pasi pemafomati akasiyana anovapa iwo makuru kuchinjika mukuda.
Zvakanakisa zvikwereti
Mukati meyezvino kubhengi kupihwa kunopa kushomeka kune vezvemabhizimusi, mitsara yakati wandei yechikwereti inogona kuwanikwa, iyo, nepo ichichengetedza mitsara yakafanana yekutengeserana pakati pavo, ichipa iyo isinganzwisisike yekuita kuti inakidze mukuvandudzwa kwekambani. Kunyangwe pamutengo wekuhaya zvimwe zvigadzirwa zvakabatana neve bhizinesi chikamu. Chero zvazvingaitika, kuwana mitsara yechikwereti inosvika ku100.000 euros ichokwadi.
Caja España-Duero anosarudza iyo Kambani Chikwereti, chikwereti chaicho kuitira kuti iyo vadiki vanamuzvinabhizimusi tsigira zvirongwa zvako. Ichi chirevo chinopa kusvika ku80% yemari yekudyara, iine yakanyanya kuiswa pa18.000 euros. Imwe yemipiro yayo ndeyekuti ine nguva yekubhadhara yemakore anosvika mashanu. Uye sechinhu chitsva zvine chekuita nedzimwe mhando dzemari, mukana wekudzora mari yaunobhadhara pamwedzi nekutengesa zvimwe zvigadzirwa zvinonyanya kunangana nevatengi ava (bhizinesi kadhi, inishuwarenzi yekutengeserana, chirongwa chepenjeni, nezvimwewo).
WeEmabhizimusi Chikwereti ndiyo mhinduro yakapihwa naBanco Sabadell kuzadzikisa zvido zvemucheka unobereka wenyika. Inovapa iwo akasarudzika mamiriro, kuvashandisa ivo vega-vega mabasa mapurojekiti, kana kana ivo vachida kuwedzera bhizinesi ravo kunze kwenyika. Kuti vaite izvi, vanowedzera mari yavo kune iyo yose investa. Iine yakanyanya nguva yekudzoka kwayo kwemakore mashanu, asi nemukana wekuti varidzi vayo vanokwanisa kusarudza a nguva yengoni inosvika pamwedzi gumi nemiviri.
Pasi pezita reCrédito Negocios 10, ING Direct yakashambadza chigadzirwa chitsva chaakatangisa pamusika, uye chinozivikanwa nekuti chibvumirano chayo chiri online chete. Iyo inogadzira inochinjika kwazvo liquidity tip iyo iri pakati pe makumi maviri nemakumi maviri nemairi euros, uko chiyero chemubereko chichagadziriswa kune iro bhizinesi chiitiko. Inongopa komisheni, iyo yekuvhura, iri 1%, uye inozoiswa panguva chaiyo yekuisimbisa. Kuti utore mukana webhangi chirongwa ichi, hazvizove zvakakosha kupa vimbiso, sezvazviri nezvimwe zvikwereti zvakafanana, asi zvinokwana kuti vanyoreri vave neBusiness Akaundi yavanosimudzira kubva kusangano rino kuvhura.
Iyo Caja de Ingenieros inogadzira imwe imwe nzira yekunyoreswa nechero muzvinabhizimusi. Kubudikidza neInvestment Loan, iyo inopa kusvika ku100.000 euros, uye kukwidza iyo yekubhadhara nguva kusvika kumakore gumi, nesarudzo yekugamuchira makore maviri egore renguva. Kugamuchirwa kwayo kunoreva kubhadharwa kwemutengo wakatarwa kubva pa10%. Iko kunowedzerwa komisheni yekuvhura kubva 6,65%.
Mari yepamutemo, inokwikwidza
Imwe mhinduro yakasarudzika, uye inotonyanya kubatsira nekuda kwayo kwakasarudzika mamiriro ekubvumirana, ndiyo ICO mutsara wevanamuzvinabhizimusi iyo ichiri kushanda kusvika Mbudzi 9, 2016, uye iyo inogona kuverengerwa kubva kumabhizimusi makuru. Iyo inobhadhara kune ese masimendi akaitwa mudunhu renyika, kune iyo yakazara mari yekudyara. Iine huwandu hwakawanda hunosvika pamamirioni gumi nemazana mashanu emamiriyoni, mune rimwe kana akati wandei mashandiro, uye chii chakasiyana nemamwe mafomati nekuti anogona kuve akaomeswa, kungave muchimiro chechikwereti, kana mukurendesa (chibvumirano chekubhadhara mari).
Vaya vanonyorera vanogona kusarudza nguva yekuita kwavo, kubva pagore rimwe chete, uye kusvika pamakumi maviri anokwana makumi maviri, ayo anogona kusanganisira imwe kana mbiri nguva dzenyasha. Zvichienderana nemisiyano iyi, chiyero chemubereko, chakatemwa kana chakasiyana, chinosiyana kubva pamusiyano weICO + 20% pamashoko anomhanyisa (kutenderedza gore rimwe chete), kusvika pa2,30% iyo ichaunza akanyanya kuwanda, anopfuura makore mana.
Unofanirawo kuziva ...
Kwete chete iwe unozofanirwa kuve neinodiwa mari zviwanikwa kuti uunze rako rehunyanzvi chirongwa kuti chibudirire. Hongu kwete, iwe unoda zvimwe uye zvakakosha zvinhu zvakare. Kana iwe uine iri zano rakafungidzirwa sekudyara -refu-kutungamirirwa, hauzove nesarudzo kunze kwekuziva zvakadzama musika niche kwauchazopinda kubva ikozvino. Iwe unofanirwa kuzviziva, pamwe nekuve neakakwana macontinu munharaunda. Ichakubatsira iwe kunyanya pakutanga, munguva dzakaomesesa dzeichi chirongwa.
Iwe zvakare unofanirwa kuve ne timu yakanaka yevanopa mazano izvo zvinokutungamira iwe kutanga yako bhizinesi kutanga. Ivo vanozove poindi yako yekutsigira kuti utenderere kumatambudziko mazhinji aunowana kubva pakutanga. Zvichava zvakawanda kupfuura zvawakaronga kubva pakutanga. Nekuda kweizvi, zvichave zvakakosha kuti iwe usazviwana uri wega mune ino nhanho yehupenyu. Chero zvazvingaitika, zvipoteredze nevanhu vakarovedzwa zvakanyanya vanovimbika zvakakwana. Ichave iri danho rakakosha kwazvo iwe raunofanirwa kutora kunge muzvinabhizimusi.
Usakanganwa kuti mune yekutanga mari iwe yauchazosangana nayo, iwe unofanirwa kuchengeta akawanda mafungire mupfungwa. Zvivakwa, vashandi, zvinhu, manejimendi mari, nezvimwe. Hazvishamise kuti iwe uchafanirwa kubhadhara yakakosha mari kubva pane bhizinesi modhi iwe yaunoda kuvandudza. Usamhanye kuita purofiti nekukasira. Zvinogona kunge zvichikanganisa zvinogona kukuvadza zvakanyanya zvishuwo zvako. Zvirinani kuti iwe utarise, pane kudaro, pakuisa hwaro hwakasimba kwazvo mune rako bhizimusi chirongwa.
Mamwe matipi evarimi
Kuita haisi nzira iri nyore sezvo ichida kuzvipira kwakazara kuti utarise pane rako chiitiko chehunyanzvi. Chero zvazvingaitika, iwe unenge uine akateedzana matipi akareruka anogona kuuya anobatsira kuzadzisa zvinangwa zvaunoda. Dzimwe dzadzo dzinenge dziri dzinotevera dzatichazofumura.
- Iwe unogona kusarudza yemakwikwi kwazvo mari nekuda kweiyo kupa kukuru kwezvigadzirwa yeaya maitiro anotengeswa nemabhengi masangano. Iwe uchave unokwanisa kuponesa akawanda maeuro kana iwe ukasarudza iyo yakanakisa mutsara wechikwereti.
- Iwe unofanirwa kuve neiyo yakajeka mazano pamusoro pezvaunoda kuzadzisa uye kwaunoda kuenda. Izvo zvichakubatsira iwe kujekesa mazhinji ekusahadzika kwauinako kusvikira panguva iyoyo.
- Iwe haufanire kuzvitora seyakachena uye yakapusa mari, asi se danho rako iyo iwe yaunoda kuita. Pasina zvimwe zvinorehwa.
- Iwe haufanire rega kuita nesimba Kana iwe uchida kuti zvidzoreso pane yako mari zvioneke munguva pfupi. Kusvika padanho rekuti iwe uchafanirwa kupa maawa mazhinji pazuva kusimudzira ichi chako chiitiko chako.
- Usati wawana mabhenefiti, unenge usina sarudzo asi kurudzira zvese zvinoshandiswa izvo zvawakaita. Ichi chichava chiitiko chinogona kutora makore akati wandei.