Ang mga Kinakailangan mong Malaman bilang isang Negosyante (Unang Bahagi)

Almario Jr Mendoza
is a Financial expert in the Philippines

Hindi madaling pumasok sa isang negosyo. Kinakailangan dito ang lakas ng loob at determinasyon na magtagumpay upang manatali sa larangang ito. Kung ikaw ay nagbabalak na pasukin ang mundong ito, magandang malaman ang mga sumusunod.


1. Ang Kita ang iyong Susundin


Ang pinakalayunin ng anumang negosyo ay ang kumita. Hindi maiiwasan sa negosyo na may mga pagkakataong ang iyong pondo ay kulang at ang iyong kita ay negative. Madalas mangyari ito sa mga bagong tayong negosyo dahil sa mga gastusing capital at overhead na kanilang ginastos sa pagsisimula ng isang negosyo.



Image Source: www.smartpassiveincome.com


Ngunit kung pagkalipas ng maraming buwan ay patuloy pa rin ang iyong pagkalugi at hindi magandang pasok ng pera, ay kinakailangang mong i-analyze ang problema sa iyong negosyo. Tatandaan na ang formula ng income ay ang sumusunod: Revenue – Expenses = Profit. Kailangan mong malaman baka may problema sa pag-manage ng iyong mga expenses. Masyado bang mataas ang overhead mo o ang dili kaya ay masyadong mataas ang gastos mo na hindi naman related sa produkto o serbisyong iyong ibinibenta.


Kinakailangan mo ring suriin ang sources ng revenue ng iyong negosyo. Baka naman kulang ang sources nito at napakaliit lang ng iyong market share. Maaari rin na hindi patok ang iyong produkto sa iyong target audience. Kailangan mong tingnan ng mabuti kung may kinakailangang baguhin sa iyong produkto upang mas maging kaakit-akit ito sa iyong consumers.


2. Para lumago ang iyong negosyo, kinakailangan mong matutong magtiwala at magdelegate


Alam naman natin na isa lamang ang ating katawan at tayo ay may limitasyon sa kung ano lamang ang pwede nating gawin. Kaya kung ang iyong negosyo ay unti unti nang lumalaki, kinakailangan mong matutunang magtiwala sa ibang tao upang matulungan ka nila sa mga bagay na hindi mo na magagawa.


Ang mga malalaking kumpanya gaya ng Apple, Samsung, at iba pa ay nagsimula rin sa iilang tao lamang. Sa pagdaan ng panahon ay kinakailangan nilang kumuha ng mas maraming tao dahil hindi na nila kaya ang lumalagong demand ng mga customer sa kanilang mga produkto. Dito pumapasok ang konsepto ng delegation at trust. Minsan ay ang mga negosyante ay takot na magtiwala ng basta-basta sa ibang tao lalong-lalo na sa ngayon na naglipana na ang maraming mga manloloko.


Ngunit bilang isang negosyante, kinakailangan mong magtiwala at matutong magdelegate upang mas maging productive ang iyong negosyo. Ang isang maipapayo ko rito ay kinakailangan mo lamang na maging magaling sa pagsuri ng iyong kukuning tao upang madali kayong magkaintindihan at mas mapabilis ang paglago ng iyong negosyo.


3. Pilitin mong maisaayos ang iyong accounting records.


Alam ito ng bawat accountants na napakahirap ayusin ang records ng isang bagong tayong negosyo. Madalas pa nga ay wala itong maayos na sistema at kadalasan pa kung minsan ay kulang kulang.


Bilang isang negosyante, kinakailangan mong gawin ang lahat ng iyong makakaya upang mapanatiling maayos ito dahil ang mga financial records na ito ang salamin ng iyong negosyo. Ito ang makapagbibigay sa iyo ng senyales kung maayos ba ang pagpapalakad ng iyong negosyo at kung sapat ba ang iyong kita at naaayon sa iyong expectation. Dito mo rin malalaman ang kalagayan ng iyong assets at liabilities pati na rin ang pagpasok ng pera.


Sa pamamagitan ng mga financial records ay madali mong masusuri at mapaplano ang mga kinakailangan mong gawin upang mapalago ang iyong negosyo. Sa pagsuri ng mga financial ratios ay masusuri mo kung may kinakailangan mabago sa pagdeliver ng iyong mga supplies o sa pagtago ng iyong mga inventories. Makikita mo rin dito ang problema sa iyong revenue sources at kung ikaw ay may napakataas na expenses.


4. Magplano ka para sa mga Masalimuot na araw.


Kung ikaw ay nasa investment banking sector, madalas mong maririnig ang mga salitang resiliency at risk management. Ayaw na ayaw ng mga bangkero ang mataas na risk kaya madalas silang maghanda sa mga bagay gaya ng kalamidad, mga krisis, pagbaba ng halaga ng currency, at kung ano-ano pa.


Madalas na magplano ang mga malalaking kumpanya para sa mga “rainy days” kung tawagin. Alam kasi nila na may mga araw at panahon talaga na hindi maganda ang pasok ng pera. Kaya’t upang mapanatili ang negosyo, ay kinakailangan talagang maghanda para sa mga ito.


Bilang isang negosyante, hindi dapat na sakto lamang ang iyong pera sa pang-araw araw na operasyon. Hindi rin maganda na wala kang reserba (reserve) na pera at umaaasa lagi sa perang pumapasok sa iyong negosyo.


Papaano na lamang kung ang iyong negosyo ay nagkulang ng pera, at ikaw ay wala ring pera, tiyak na mahihirapan kang panatilihin ang takbo ng iyong negosyo. Kinakailangan mo ring maging handa sa anumang mga kalamidad at sa mga bagay na makakatigil sa inyong operasyon.

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Make sure that you build your business around your skills and knowledge. Your friends and family members can help you spread the word, and past business contacts can introduce your brand to their professional contacts as well. When you start a business, there’ll usually be a period when you’re investing lots of time, effort and money before you start making a profit. Before you do this, it’s important to research your market to make sure your customers will really pay for your product or service.

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Don't be afraid to fail. When you have an idea, figure out the pieces you need quickly, go to market, believe in it, and continue to iterate. If you need more investment, you might be able to raise money to fund your growth plan by selling shares in your business. You can do this by getting friends and family to invest.

Have some written recollection that you are partners, who's responsible for what, and how much money each of you put in.

Ask yourself what people are required to make it work for this idea, for this business?" Eighty percent of start-ups fail because the founders get bored, discouraged, or something else, and they move on to other things, not because of some catastrophe.

Spend a lot of time boiling down what their business is, what it does, and what it represents. If you nail down a 2-5 minute summary that will pay a lot of dividends throughout the life of your business. Do what you know… and love! It will resonate with your customers, employees, and potential investors. And make all the hard work worthwhile. Test it with them and get feedback. Find out what they’d be willing to pay for it. Try out different prices with different customers in a consistent, realistic way to see what people will really pay. Can you make enough money for a return on your investment?

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About the author

Almario Jr Mendoza

Currently working in one of the biggest Investment Banks in the world. Has extensive experience in accounting, finance, and investments ranging from Bonds, Money Market, and the Stock Market. A member of Philippine Institute of Certified Public Accountants. A graduate of Ateneo Graduate School of Business and University of Santo Tomas.
Profession: Certified Public Accountant & Certified Securities Specialist (Philippine Stock Exchange)
Philippines , Metro Manila , Taguig City
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