Zawadi Consultants

30/04/2022

Kutoka kwa Ndahani N. Mwenda

CRDB vs. NMB

31 MACHI 2022

Jumla ya Mali
CRDB - TZS 9.407trl
NMB - TZS 8.884trl

Amana Za Wateja
CRDB - TZS 6.600trl
NMB - TZS 6.568trl

Mikopo
CRDB - TZS 5.536trl
NMB - TZS 4.791trl

Faida Kabla ya Kodi
CRDB - TZS 129bln
NMB - TZS 144bln

Faida Baada ya Kodi
CRDB - TZS 90bln
NMB - TZS 101bln

Fedha Za Wanahisa
CRDB - TZS 1.354trl
NMB - TZS 1.456trl

Mikopo Chechefu
CRDB - 3.3%
NMB - 3.7%

Uwiano wa Mapato na Matumizi
CRDB - 46.4%
NMB - 42%

Je, kwa kutumia takwimu hizi, ukiambiwa uchague kampuni ya kuwekeza utachagua kampuni ipi kati ya benki hizi mbili kubwa hapa nchini ambazo zote zinauza hisa zake ndani ya DSE?

Pata nakala ya kitabu cha HISA NA HATIFUNGANI ili uweze jifunza zaidi.

Lipia TZS 25,000 ukiwa Dar utaletewa popote ulipo, na k**a upo mkoani lipia TZS 30,000 utatumiwa nakala yako.

Kwa Mawasiliano, Piga 0714-779627

28/04/2022

Katani

25/01/2022

Sasa hivi imefika AzamSports3.

Je, ipo siku kitatokea kitu k**a hiki;

AzamSports1
AzamSports2
AzamSports3
AzamSports4
AzamSports5
AzamSports6
AzamSports7
AzamSports8
AzamSports9

24/12/2021

How old is your company ?

Kampuni yako ina miaka mingapi hivi sasa ?

17/12/2021

26/11/2021

In a comment section, Strive Masiyiwa was asked;

When it comes to entrepreneurship in Africa, there is a lot of skilled people but what is lacking is capital......how can this be addressed ?

Strive reply,

Can you handle the truth ?

One of America’s leading Investors set up a special fund of $1bn, for investment in African entrepreneurs. After two years he shut it down!
Reason:
Not enough people applied for it. And most of those who did apply did not have the skills necessary to access this type of fund.

I watched him shut it down.

I sat down with him one day, and listened to his frustration, he was so sincere and I did not blame him.

There are a lot of people like him out there.

Raising Capital is a which every entrepreneur must acquire.

!

No one owes a living. You can either acquit yourself to getting these or you can complain whilst no one listens.

26/11/2021

Kuna makundi mawili ya Wafanyabiashara;

A. Wafanyabiashara wanaokua.
B. Wafanyabiashara wasiokua.

Kundi A, ni wale wanaofanya biashara kwa MALENGO, wanaipenda biashara yao, na wanataka kufika level fulani kubwa. Biashara ndio Plan A katika maisha yao.

Hawa kundi A, wana DAMU ASILI ya biashara. Tabia yao kubwa ni moja; Hata k**a wakifeli mara nyingi, hua wanarudi, wanaanza upya, na kuendelea na safari zao, hadi watimize MALENGO waliyojiwekea.

KUNDI B, ni wale wanaofanya biashara kwa sababu tu walishindwa, au walikosa nafasi ya kufanya vitu vyao vingine. Biashara haikuwahi kua kichwani mwao.

Walijikuta tu wanalazimika kufanya biashara ili waweze kumudu maisha. Lakini k**a wangepata options nyingine, basi wasingefanya biashara.

Kundi B hawana DAMU YA ASILI YA BIASHARA. Tabia yao kubwa ni moja; Wakipata changamoto/hasara kidogo tu, wanaacha biashara, na wanasimulia kila mtu jinsi gani biashara ni kitu hatari kufanya.

Tofauti za haya makundi mawili utaziona katika matendo yao.

Kwa mfano;

Kundi A wanapenda sana kutumia mikopo kukuza biashara zao. Kundi B wanaogopa, na hawataki kabisa kusikia habari za mikopo.

Kundi A wana uwezo na maarifa ya kufungua matawi ya biashara zao. Kundi B hawana uwezo wala maarifa ya kufungua matawi ya biashara zao.

Kundi A wanatumia masaa mengi kila siku katika biashara zao, na hawachoki. Kundi B wanatumia masaa machache katika biashara zao, na kila siku wanalalamika wamechoka.

Kundi A wanadumu katika biashara ya aina moja kwa miaka mingi. Kundi B wanabadilisha aina za biashara kila mwaka.

Zipo tofauti kadha wa kadha baina ya hayo makundi mawili. Hizo nilizotaja ni kwa uchache.

Mfano mzuri wa Wafanyabiashara wa Kundi A ni kampuni ya VUNJABEI.

VUNJABEI kwa hivi sasa inamiliki MADUKA 8 katika mikoa 6 tofauti;

Mwanza, Dodoma, Iringa, Mbeya, na Arusha, kote huko kuna duka moja moja. Kisha mkoani Dar es Salaam yapo maduka 3.

;
Inakuwaje wafanyabiashara k**a vile VUNJABEI wanaweza kufungua matawi ya biashara zao kila kukicha ??

Na kwa nini wengine hawawezi kufungua matawi ya biashara zao ??

Ni vitu gani wafanyabiashara wengine wanafanya, ambavyo havifanywi na wafanyabiashara wengine ??

;
Hakikisha unatafuta MAARIFA sahihi yatakayokusaidia kuikuza Biashara yako.

Usikubali kubaki katika level moja ya biashara kwa miaka nenda rudi. Hakikisha biashara yako inaongezeka kila siku k**a vile umri wako unavyoongezeka.

02/11/2021

Stock going up.

Real Estate going up.

Cryptocurrency going up.

Rent, Inflation, Medicare, Construction, Commodities, etc, all going up.

Is your business also going up ???

28/10/2021

Hawa ndio wauzaji wakubwa wa parachichi kutoka barani Afrika, na wastani wa mauzo yao kwa mwaka;

1. Kenya. Tani 68,000 zenye thamani ya Dola millioni 125 (Tshs Bilioni 288 )

2. Afrika Kusini. Tani 48,003 zenye thamani ya Dola millioni 76.9 (Tshs Bilioni 177 )

3. Morocco. Tani 16,900 zenye thamani ya Dola 26.7m (Tshs Bilioni 61)

4. Tanzania. Tani 9,000 zenye thamani ya Dola milioni 12 (Tshs Bilioni 28)

5. Zimbabwe. Tani 6,610 zenye thamani ya Dola milioni 3.5 (Tshs Bilioni 8)

Thamani ya soko la parachichi duniani kwa sasa ni Dola 6.5 bilioni (Tshs Trilioni 15).

Kwa Dunia nzima, wauzaji wakubwa ni Mexico, Peru na Uholanzi, ambao wao watatu kwa pamoja wanauza zaidi ya nusu ya maparachichi yote yanayouzwa Duniani.

Chanzo; Kilimo Forum

27/10/2021

Kwa mfano;

Leo ukaamua kuchagua Biashara moja unayoipenda. Kisha ukaweka lengo kwamba utaifanya Biashara hiyo moja tu, kwa miaka yako yote utakayoishi hapa Duniani.

Ok, hadi siku unafariki, Biashara yako itakua imetimiza miaka mingapi ??

Iko hivi;

Miaka 20 iliyopita (mwaka 2001), kampuni k**a vile Twitter, Snapchat, Tesla, Facebook, Tik Tok, Uber, nk, hazikuwepo kabisa.

Lakini leo hii, kampuni hizo ni kubwa sana, na zinafanya mauzo ya mabilioni kila mwaka.

Je, miaka 20 ijayo (ifikapo mwaka 2041), "kampuni yako" itakua inatimiza umri wa miaka mingapi ??

K**a unafikiri miaka 20 ijayo ni mbali sana, kumbuka kwamba miaka 20 iliyopita ilikua ni juzi tu hapo, na ulikuwepo.

Hivyo basi, k**a haujafa katika hiyo miaka 20 iliyopita, amini kabisa kwamba upo uwezekano mkubwa pia usife katika miaka 20 ijayo.

Miaka 20 ijayo sio mbali k**a inavyofikiriwa. Wale wote walio chini ya miaka 35 kwa hivi sasa, bado watakuwepo makazini wanadunda k**a kawaida.

Je, k**a ungeanza Biashara yako miaka 20 iliyopita (mwaka 2001), hii leo Biashara yako ingekua kubwa kiasi gani ?? Ingekua imeshafungua matawi mangapi katika mikoa mingine ??
Ingekua imeajiri wafanyakazi wangapi ?? Na ingekua inafanya mauzo makubwa kiasi gani kila mwaka ??

Kumbuka ya kwamba Biashara hiyo ingekua tayari imetimiza miaka 20 toka kuanzishwa kwake.
Yani Biashara yako leo hii ingekua ina umri mkubwa kuliko Facebook, Twitter, Snapchat, Tesla, nk.

Ok, Muda mzuri wa kuotesha mti wa kivuli hapo nyumbani kwako ilikua ni miaka 20 iliyopita. Muda mwingine mzuri zaidi ni leo.

Kwa huduma na ushauri kuhusu Makampuni, wasiliana nasi;


0718 164026
[email protected]

10/09/2021

Strive Masiyiwa writes;

Building a “unicorn”

You know by now what is a “unicorn”—a StartUp that rises in value to $1bn or more!

This is every modern entrepreneur’s dream. This is really, really difficult. And in Africa there are many factors that conspire to make it almost impossible, with very few countries with companies that size.

I use the word “almost” because it can happen: I personally have launched 5 such companies in my entrepreneurial career. Two of them were built in the last two years—during the pandemic—proving that a skilled entrepreneur can build in any conditions.

“As entrepreneurs we fight in the conditions not against the conditions”. This is why I have personally refrained from engaging in the politics of any country, even when I’m openly attacked.

Unicorns can be built in EVERY business area. If you want to build a Unicorn, you need to develop 5 critical skills:

1. Master the power of Innovation and Marketing;

2. Master scale through the 3Ps;

3. Master the “SKILL” of raising capital.

4. Master “Partnership 360”. We “leverage” the businesses of others to build our own on condition that we help them build theirs!

5. Know Africa, properly.

Unless you come from Nigeria, South Africa, Kenya or Egypt, it is hard to build a Unicorn that is dependent only on one country. You have to be able to operate in other countries. This, too, is a to be Mastered, and like all the other skills, harder than it looks!

There is an underlying pre-condition to all this: You must personally [CONTINUALLY] in the area of business that you choose, and in broader entrepreneurship best practice.

These are the things I have written about and demonstrated to you over and over again for the last seven years.

It is why I feel my job is done and will close the platform at the end of this year.

All the material will remain archived on the Sasai App for all your references.

;
The four mentioned economies; South Africa, Nigeria, Egypt, and Kenya, are by far the leading African countries having mostly fovourable conditions for Investors.

05/09/2021

Katika biashara kuna kitu kinaitwa (Scalling).

Biashara yako inaweza ikawa inafanya scalling kwa mifumo tofauti, kutegemeana na aina ya biashara unayofanya.

Kwa mfano;

K**a mwaka huu umehudumia wateja 10, hakikisha mwaka kesho unahudumia wateja 15. Kadiri miaka inavyosogea, na idadi ya wateja wako iwe inaongezeka.

K**a mwaka huu ulifuga ng'ombe wawili, basi mwakani hakikisha wamefika ng'ombe saba.

Mwaka huu ukifungua duka moja, basi baada ya miaka 3, uwe umeongeza duka la pili, au mengi zaidi.

nyingine ni ile ya kubaki na "unit" ile ile moja, lakini ukaiboresha zaidi.

Kwa mfano; Ukianza kwa kumiliki mgahawa mmoja, baada ya miezi kadhaa unaongeza idadi ya vyakula unavyopika, na ukubwa wa eneo la mgahawa wako.
Unakua bado uko na mgahawa ule ule mmoja, lakini umeuboresha zaidi.

Scalling inaweza kufanyika kwa njia mbalimbali kadiri wewe mwenyewe unavyoona.

Miaka michache iliyopita Kampuni ya VUNJABEI ilikua inamiliki duka moja pekee jijini Dar es Salaam, maeneo ya Sinza Madukani.

Mwaka huu, 2021, VUNJABEI inamiliki maduka 8 katika mikoa 6 tofauti hapa Tanzania.
Huu ni ukuaji wa kasi sana. Fast Scalling.

VUNJABEI inayo maduka katika mikoa ya; Mwanza, Dodoma, Arusha, Mbeya, Iringa, na Dar es Salaam ambapo yapo maduka matatu.

Mwaka huu, timu ya SIMBA iliingia mkataba na VUNJABEI wenye thamani ya Tshs 2billioni, kwa kipindi cha miaka miwili.

Hii inamaanisha kwamba, Vunjabei atailipa Simba Tshs 2billioni, huku yeye akiruhusiwa kutengeneza na kuuza vifaa vyote vya timu ya Simba.

Kazi tayari imeanza.

Wiki hii, Vunjabei ameanza kuuza jezi, kofia, skafu, soksi, na vifaa vinginevyo vya michezo vya timu ya Simba. Mzigo unapatikana katika maduka yote 8 ya VUNJABEI nchi nzima.

Katika suala la , VUNJABEI ni kitabu kizuri sana ambacho kinatakiwa kisomwe na vijana wote walioko katika biashara, hasa zile za rejareja (Retail).

Kwa mtazamo wangu, huu mkataba wa miaka miwili baina ya Vunjabei na Simba, umetumika tu k**a majaribio.
Timu ya Simba wanataka kupima uwezo wa VUNJABEI katika utengenezaji na usambazaji wa vifaa vya michezo.

Mkataba huu utakapoisha, tutegemee dili la pesa kubwa zaidi na la muda mrefu zaidi baina ya pande hizo mbili.

Kitaalamu, kila biashara hua ina kitu kinaitwa "Breakthrough point".

Hii ni ile fursa inayokuja na kukukuta tayari umejiandaa, na unapoitumia basi kila kitu kinabadilika ghafla. A game changer Opportunity.

Hili Dili la Simba, ni "Breakthrough point" ya Kampuni ya VUNJABEI.

Je, katika kipindi cha miaka 5 ijayo, unafikiri VUNJABEI atakua anayo maduka mangapi nchi nzima ??
Binafsi, makadirio yangu ni kwamba yatazidi maduka 20.

Tuachane na hayo. Kwa hivi sasa, tuendelee kununua jezi zetu katika maduka ya VUNJABEI.

; Umati wa watu ukiwa umepanga foleni kununua jezi za Simba SC, katika moja ya duka la VUNJABEI.