Momwe Mungakhalire ndi Kupambana Pakugwa Kwachuma

Kusayenda bwino pazachuma ndi ndale nthawi zambiri kumakhala ndi vuto lalikulu pamabizinesi anu ndi ndalama zomwe mumapeza.

Kusintha kwadzidzidzi kwa ndondomeko kungakhudze mwachindunji ndalama zanu zopangira. Vuto losayembekezereka litha kuchepetsa kuchuluka kwazinthu zomwe mukufuna ndikugulitsa. Ngakhale kusintha pang'ono pamachitidwe ogula kumatha kuwononga kwambiri malonda anu pamwezi. 

Ngakhale mutha kuchira mosavuta pakusintha kwakanthawi kochepa, zimakuvutani kuwongolera ngati zinthu zikupitilira kwa nthawi yayitali. 

Pamene vuto lapadziko lonse lapansi limachepetsa ntchito zamsika, mabizinesi ang'onoang'ono ndi oyambitsa nthawi zambiri amakhudzidwa kwambiri. Popeza malo awo amsika ndi osakhazikika, kuyambira pomwe, ndi omwe amatsika poyamba.

Komabe, zimenezi sizikutanthauza kuti simungakonzekere kukumana ndi mavuto. 

Monga kampani yoyambira bizinesi, muli ndi mwayi waukulu wosintha zinthu mwachangu kuposa mabungwe akuluakulu. Ngati mutenga njira zodzitetezera ndikusamalira bwino ndalama zomwe mumapeza , bizinesi yanu sidzawonongeka kwambiri.

Munkhaniyi, ndalemba njira ndi njira zomwe mungagwiritse ntchito kuti bizinesi yanu ipitirire patsogolo komanso kuti chuma chanu chikhale bwino.

1. Pezani Njira Zina Zachuma

Kutha kwa ndalama ndi chifukwa choyamba chomwe ambiri oyambitsa sapanga kukhala m'malo ovuta azachuma.

Mabizinesi atsopano nthawi zambiri amafunika miyezi 18 mpaka 24 kuti akwaniritse bwino bizinesi yawo ndikuyamba kupeza ndalama pamwezi. Koma ngakhale zili choncho, zimatenga pafupifupi zaka zitatu kapena zinayi kuti bizinesi yanu ipindule.

Ngati mungaganizire ntchito yapang'onopang'ono yazachuma, ndibwino kunena kuti, simungadalire mokwanira malonda anu a mwezi uliwonse kuti akuthandizeni kwa nthawi yayitali.  

Mu malo abwino, mungakhale ndi njira zopezera ndalama zoyambira bizinesi yanu nthawi ndi nthawi kuti mukhale okhazikika. Koma kutsika kwachuma kungakulepheretseni kupeza ndalama zogulira bizinesi yanu. Chifukwa chake, ndi bwino kupeza njira ina yopezera ndalama.

Pali njira ziwiri zomwe mungawonjezere ndalama zomwe mumapeza. 

Mmodzi. Mutha kugwiritsa ntchito mapulogalamu othandizira aboma. 

Pambuyo pa mliriwu, mayiko ambiri adayambitsa kampeni yothandizira mabizinesi ang'onoang'ono ndi oyambitsa. France idapereka ndalama zokwana 4 biliyoni zothandizira oyambitsa kuti apulumuke pazachuma. Germany idapereka dongosolo lawo lachizolowezi kuti lithandizire mabizinesi osiyanasiyana. Purezidenti wa US alengeza zandalama zamabizinesi ang'onoang'ono. 

Ngati mzinda/dziko lanu lakhazikitsa dongosolo lililonse, gwiritsani ntchito mwayi. 

Njira yachiwiri ndikuchepetsa masheya anu kuti mukope osunga ndalama. Mkhalidwe wachuma ukakhazikika, mutha kuyang'ana kwambiri kulimbitsa udindo wa kampani yanu. 

Funsani mlangizi wanu wazachuma. Atha kufotokozera zaukadaulo kukuthandizani kumvetsetsa zabwino ndi zoyipa. 

2. Sungani Njira Yanu Yoyendetsera Ndalama

Njira yoyendetsera ndalama ndi ndalama zomwe mumasungira ku banki yanu kuti mugwiritse ntchito mwezi uliwonse.

Kampani iliyonse yoyambira imasunga ndalama zokwanira kuti igwiritse ntchito kwa miyezi isanu ndi umodzi ngati ndalama zawo zotsala zitachedwa. Ndi dongosolo lokonzekera zinthu zomwe zimawapatsa nthawi mpaka atalandira ndalamazo.

Zimagwiranso ntchito ngati khushoni lomwe lingakuthandizeni kulimba mtima pazovuta kwambiri zachuma. Mutha kupulumuka panjira yanu yandalama kuti mudikire mphepo yamkuntho.

Ngati njira ina yopezera ndalama sizikuyenda bwino, lingalirani zochepetsera ndalama zomwe mumagwiritsa ntchito kuti muteteze njira yanu yoyendetsera ndalama.

Bwanji?

Nthawi zambiri, yankho loyamba lomwe limabwera m'maganizo ndikuchepetsa anthu. Kusiya ntchito ndi MO wa mabungwe akuluakulu, ndipo kumawapatsa zotsatira zomwe amayembekezera.

Komabe, sizingagwire bwino ntchito zoyambira ngati inu.

Chifukwa chiyani?

Chifukwa, mosiyana ndi makampani akuluakulu, mabizinesi ang'onoang'ono amakhala ndi chigoba, titero kunena kwake. Aliyense amatenga zambiri kuposa gawo lake, ndipo kusiya ntchito kungakupwetekeni kwambiri.

M'malo mochepetsa ntchito yanu, mutha kufupikitsa maola ogwirira ntchito kuti muchepetse ndalama.

Mukhozanso kuchepetsa ndalama zosafunikira zomwe mungathe kuchita popanda. Monga kuyesa kugulitsa ndalama kuti muchepetse ndalama zogawira, kupita kutali kuti mupulumutse mitengo ya lendi, ndikusintha mndandanda wa mavenda anu kuti mupeze zotsatsa zabwino kwambiri.

Palinso zida monga Startuprunway.io zomwe zikupezeka pamsika zomwe zingakuthandizeninso kusamalira ndalama zomwe mumapeza. Amapereka mitundu yodziwika bwino, ma tempuleti, ndi ma chart kuti muwongolere bajeti yanu.

3. Sinthani Zomwe Mumachita

Kuyika patsogolo ngongole zanu panthawi yomwe mukukumana ndi zovuta za bajeti kumatha kuwoneka ngati chiyembekezo chosatheka koma ndikhulupirireni, kungakupulumutseni ku bankirapuse.

Monga mukudziwira, kubweza ngongole ndi imodzi mwazinthu zoyambira zopezera ndalama zomwe zimayenera kuganiziridwa ngati akhazikitsa mbiri yokwanira. Zimawathandiza kusunga umwini wawo ndikukulitsa ntchito zawo nthawi imodzi.

Koma ngakhale ili ndi ubwino wake, imabwera ndi chiwongoladzanja chosinthika chomwe chimakwera ndi zaka. Lipirani mochedwa kwambiri ndipo mutha kukhala ndi mulu wandalama zomwe zingakukakamizeni kuti muchotse katundu wanu kuti mubweze.

Ndikwanzeru kuyika padera ndalama zolipirira ngongole pamwezi kuti izi zipewe.

Chinthu china. Yesetsani kuti musatenge ngongole zatsopano panthawi yachuma. Ngati mukuwona kuti pakufunika kubwereka, ganizirani kusankha ngongole yobwereketsa kuposa ngongole zakubanki.

Ngongole ya bizinesi imatsatira malamulo osiyana ndi mabanki. Kumene mabungwe azachuma akale amapereka ngongole kutengera momwe ndalama zanu zilili, obwereketsa ngongole ya bizinesi amapereka ndalama kutengera momwe bizinesi yanu ingakuthandizireni.

Ngakhale zotsika mtengo kuposa ngongole za kubanki komanso zimatengera gawo lina la ndalama zanu, zimakhala zosinthika komanso zimakupatsirani ndalama zogwirira ntchito zokwanira kuti mulipire ngongole zanu panthawi yake.

4. Sinthani Njira Yanu Yamalonda

Mliri waposachedwa wabweretsa kusintha kwakukulu pamachitidwe ogula ogula. Tsopano anthu amakonda kugula zinthu pa intaneti ndikusankha zinthu ndi ntchito zosavuta kugula.

Kusintha kwadzidzidzi kwamabizinesi kwakakamiza mabizinesi ambiri kutseka, kuphatikiza kapena kusintha mawonekedwe awo kuti agwirizane ndi zomwe ogula amakonda.

Ngati mukukumana ndi malonda otsika komanso zovuta kupeza makasitomala atsopano, mungafunike kusinthanso mtundu wanu wabizinesi. 

Mupeza matani a zochitika zenizeni zenizeni zolimbikitsira.

Mwachitsanzo. Kampani yamagalimoto David Dodge , atavutika ndi mavuto omwe amabwera chifukwa cha mliriwu, adasintha bizinesi yake kuchokera ku magalimoto omwe amatumizidwa pa intaneti. Kusinthaku kudapangitsa kuti igulitse magalimoto atsopano 58 mkati mwa mwezi umodzi wokha.

Chipotle Mexican Grill inatsatiranso njira yomweyi ndikuyambitsa bizinesi yojambula kuti ikhale yosavuta kwa kasitomala wake kugula chakudya chofulumira popanda kudikirira pamzere. Ntchito zomwe zidasinthidwazo zidayenda bwino kwambiri moti adalembanso antchito opitilira 8000 omwe adakakamizika kuwasiya m'miyezi yoyambirira.

Badi ndi chitsanzo china chabwino. Popeza mabizinesi obwereka anali amodzi mwa mabizinesi omwe akhudzidwa kwambiri chifukwa cha zoletsa za COVID-19, kampani yatsopanoyi inali ndi nthawi yovuta kukopa makasitomala. Inasintha njira yake ndikuyamba kupereka mapangano afupiafupi komanso chitetezo chowonjezereka ngati chilimbikitso.

Fufuzani njira yomwe opikisana nawo akugwiritsa ntchito, ndipo yesani kusintha njira yanu ya bizinesi kuti itumikire bwino omvera anu.

5. Invest in Technology

Tekinoloje ndi chinthu chinanso chomwe muyenera kuganizira kuchita kuti bizinesi yanu ikhale yopindulitsa pakugwa kwachuma.

Msika wa zida za SaaS wakhala ukuyenda bwino m'zaka khumi zapitazi chifukwa chogwiritsa ntchito moyenera komanso moyenera. Koma pambuyo pa mliri, kufunikira kwaukadaulo wazidziwitso kwakula kwambiri.

Popeza pambuyo pavuto laumoyo, mabungwe sanathe kusunga dziwe lalikulu la anthu, ambiri adatengera zida za SaaS kuti apereke malipiro a kusiyana kwa ogwira ntchito. Kusintha kwa kachitidwe kakugulako kudapangitsanso makampani ambiri kugula zida zopangira kuti bizinesi yawo iziyenda bwino.

Zagwira ntchito modabwitsa kwa ena, kuwalola kuti asakhale ndi moyo pakugwa kwachuma komanso kuchita bwino.

Olivia ndi chitsanzo chabwino kwambiri cha izi. Monga kampani yoyambira chisamaliro chaumoyo, Olivia imapereka maphunziro othandizira anthu omwe ali ndi nkhawa zamaganizo komanso malingaliro a akatswiri.

Mizinda itatsekedwa, oyambitsawo adazindikira kuti kupereka chithandizo chamunthu payekha sikungakhale njira yokhazikika. Adasinthira mwachangu mayankho aukadaulo ndikuyambitsa chithandizo chapaintaneti. Njira yawo yatsopano yosinthira kukhala chisankho chabwino kwambiri, ndipo akhala akugwiritsa ntchito chitsanzo chomwecho kuyambira pamenepo.

Ngati simunagwiritse ntchito ukadaulo pano, ndi nthawi yoti muyambitse ina kuti ntchito zanu ziziyenda bwino.

6. Sinthaninso Kusakanizira Kwanu Kwamalonda

Makampani nthawi zambiri amaika ndalama zosachepera 12% pachaka pa malonda.

Koma poyambira, ndikuganiza kuti muyenera kuti mudayika pambali zina kuti mudziwe zamtundu komanso kukwezera zinthu mwaukali? 

Tengani zina mwa ndalamazo kuti muthe kulipira ndalama zanu kwakanthawi.

Kutsatsa, mosakayika, kumachita gawo lofunikira pakuwonetsetsa kuti kampani yanu ikuyenda bwino, koma ndi dipatimenti yosinthika kwambiri. Mutha kuchepetsa bajeti yanu mosavuta ndikuyendetsa kampeni zotsatsa.

Mwachitsanzo. Mutha kusintha zotsatsa zamalonda zotsika mtengo ndikutsatsa makanema otsika mtengo. Makanema apawailesi yakanema ndi zida zamphamvu zolimbikitsira zomwe pafupifupi 92% ya $500 miliyoni omwe amapeza ndalama amagwiritsa ntchito kukulitsa mawonekedwe awo.

Njira ina ndiyo kusiya kugwiritsa ntchito zinthu zosindikizidwa m'malo mogwiritsa ntchito njira yogulitsira kudzera pa imelo . Makampani opitilira 40% asintha kugwiritsa ntchito maimelo pambuyo pa mliri kuti asunge ndalama zawo, ndipo mwa iwo 78% awona kusintha kwakukulu mkati mwa miyezi 12.

Mutha kusankhanso kupita kukakwezera omnichannel kuti mupange zotsogola ndikuwonjezera kuchuluka kwamasamba. 72% yamakasitomala amakonda mtundu womwe umawafikira kudzera mumayendedwe angapo, ndipo pafupifupi 64% amadutsamo zingapo asanasankhe kugula.

Monga kampani yatsopano, muyenera kudalira njira zotsatsira malonda kuti mupitirize kuchita bwino pambuyo pa mliri. Mapulatifomu a digito amakupatsirani njira zotsatsira malonda zomwe zimakhala zosavuta kuti izi zitheke.

Konzaninso njira yanu ndikuyang'ana njira zotsika mtengo kuti muchepetse ndalama zomwe mumagulitsa.

7. Decentralise Information Flow

Makampani ambiri nthawi zambiri amagwera pansi pa mitundu iwiri ya ma hierarchies.

Ntchito yapakati pomwe oyang'anira oyang'anira okha ndi omwe amatenga nawo gawo pakukonza njira ndi njira yogawa, momwe mphamvu zopangira zisankho zimagawidwira pamzere.

Ngakhale centralization imapereka mphamvu zambiri pakuyenda kwa chidziwitso, dongosolo lokhazikitsidwa limapereka zotsatira zofulumira komanso zogwira mtima.

Chris Argyris, pulofesa wa ku Harvard, komanso katswiri wamaphunziro a zamalonda anazitcha kuti maphunziro apawiri. Adalemba nkhani mu 1977, kufotokoza kuti kugawikana kwa mayiko kumapereka kuwonekera kwabizinesi. Zimakuthandizani kuti mukhale ndi maso angapo pazifuno zanu ndikuwunika mapulani olakwika koyambirira kuti mutha kuwakonza munthawi yake.

Monga poyambira, dongosolo lanu laulamuliro mwina silingapangidwe mokwanira, koma mutha kugawa zidziwitso m'gulu lanu kuti mupeze zotsatira zomwezo.

Oyang'anira apansi nthawi zambiri amakhala ndi chidziwitso chambiri "mumsewu" pazamalonda ndi ntchito zanu, ndipo amakhala okonzeka kuzichita bwino. Kuwaphatikiza pazosankha zazikulu kungalimbikitse makhalidwe awo, kupanga malingaliro ochulukirapo, ndikukulitsa bajeti yanu.

Zidzakupatsaninso mwayi wopikisana, kukulolani kuti mupulumuke ndi zotsatira zoipa za kuchepa kwachuma.

Tchati chomwe chili pamwambapa ndi umboni wa izi. Tchatichi chikuwonetsa deta ya magwiridwe antchito yomwe ofufuza adasonkhanitsa panthawi yamavuto azachuma. Chikuwonetsa kuti makampani omwe ali m'magawo osiyanasiyana adachita bwino kwambiri akakumana ndi mavuto komanso ntchito zachuma zikuchepa.

Kutsiliza

Mliri waposachedwapa watiphunzitsa momwe ngakhale vuto la thanzi lingakhudzire mabizinesi kwambiri.

M'zaka ziwiri zapitazi, 70% yamakampani adakumana ndi mavuto azachuma ndipo mwa iwo 25% okha adathawa zovuta zilizonse. 

Ngakhale kuti chiwerengerochi chingakhale chokhumudwitsa, chiŵerengero cha kupambana cha 25% chikusonyeza kuti simungathe kupulumuka mavuto azachuma komanso kupeza ndalama zokwanira.

Malingana ngati mtundu wa kampani yanu ndi wosinthika mokwanira kuti ugwirizane ndi zosintha zosayembekezereka, mutha kuthana ndi zovutazo ndikuyendetsa bizinesi yopambana m'mikhalidwe yovuta.

Zabwino zonse!