Apo bhizinesi shoma rinoshandisa chikwereti chemabhizimisi, bhangi kana imwe chikwereti inotevera imwe prototi painoongorora shanduro. Chinhu chimwe chebhangi chinoshandisa ndeyeC C C yechikwereti chekuongorora chikamu chekushandira chikwereti. Mabhengi anoongorora bhizinesi duku mumuganhu we5 C kuitira kuti vawane mari yavo shoma. Iva nechokwadi chekuti shanduro yako yekwereti inotarisa imwe neimwe yezvikamu izvi zvakadzama uye iwe uchabudirira zvikuru pakuwana mari yako.
01 - Kukwanisa
Mukuona kwebhangi, yekutanga "C", simba, inogona kuva yakakosha zvikuru. Unyanzvi hunoreva kukwanisa kwekambani kubhadhara chikwereti. Muchikwereti chako chechikwereti , unofanira kutaurirana kuti iwe uye sei iwe unenge uchida kudzorera chikwereti. Haisi chete iwe unofanirwa kutaurira mari yako uye mari yako , asi iwe unodawo kuratidza kuti mari yako inopera uye nguva yako yekuyerera mari pamusoro pekubhadhara. Unyanzvi hunoreva zvakare chikwereti chenhoroondo yako. Une chikwereti chakanaka chekwereti here? Bhengi ichatarisa mhemberero yako yekare yekubhadhara, zvose zvebhizimisi uye yega. Usakanganwa kuratidzira zvose zvinogona kubhadharwa zvekubhadhara zvaunogona mune yako yekushandira.
02 - Collateral
Chibvumirano ukama hwakasiyana nehutano. Dhaka inoreva maitiro ezvokuchengetedzeka iwe unogona kupa kubhangi rako kana kune imwe chikwereti. Dhaka inogona kuva zvivako kana zvigadzirwa zvebhizimisi rako duku kana iwe pachako, kusanganisira imba yako. Dhaka inogonawo kusanganisira chivimbiso nemumwe munhu uyo, kana iwe usingagoni kubhadhara chikwereti, mumwewo achaita. Sezvo mari inowedzera zvakasimba muhupfumi, pane mukana wakawedzerwa kuti mabhanhire achange achida kuvimbiswa kwemarikiti kunze kwekubatana. Iwe unogona kuziva chikwereti chinosimbiswa neshoko rokuti "co-signer."
03 - Capital
Guta guru, muchirevo ichi, rinomirira muridzi wekutsvaga mubhizinesi. Paunenge uchikumbira chikwereti chebhangi, muridzi wacho anofanira kuva nekutsvaga kwekuita mubhizimusi musati waita chikwereti angatofunga kutora chikwereti chebhizimisi. Mutariri wezvikwereti anotarisa zvakaringana nehuwandu uye huwandu hwemari iyo muridzi waanopa.
04 - Mamiriro
Mamiriro ezvinhu maviri. Chokutanga, mamiriro ezvinhu anotaura nezvehuwandu hwehupfumi nemamiriro ekunze akakomberedza bhangi uye yebhizimisi. Munguva yekuderera kana nguva dzekwereti yakaoma, zviri pachena kuti zvakaoma zvebhizimisi duku kubhadhara chikwereti uye zvakaoma zvikuru kubhangi kuwana mari yekukweretesa. Zvinotowedzera kunyanya kukosha kumatare emabhizimisi mashomanana kuti ape shanduro yemari yemari yakasungirirwa kubhangi. Chikamu chechipiri chemamiriro ezvinhu chinoreva chinangwa chechikwereti. Uri kutenga zvigadzirwa zvitsva zvekuwedzera here? Uri kuzadzikisa basa rinoshandiswa kugadzirira nguva yekugadzira masvingo here? Sei uchida mari? Taura iyo zvakanyatsonaka mumushandi wako wechikwata.
05 - Character
Unhu unowanzotonga kutonga kunoitwa nebhangi pamusoro pevanotarisira mutengi. Iko chikwereti chinosarudza kana muteresi akatendeseka pamusoro pekubhadhara chikwereti uye kuunza kudzoka kune utsva. Iyi ndiyo iyo dzidzo uye ruzivo rwemuteereri anouya mumufananidzo. Zvinyorwa zvako uye mamiriro ako emabhizimisi ako anotaridzirwa nemukuru wezvikwereti chemari.