MaMSME ndiwo musimboti wehupfumi chero hupi zvahwo, nekuti vanogadzira mikana yebasa, vanopa zvinhu nemasevhisi, uye vanobatsira mukukura kwenzvimbo nekwenyika. Nekudaro, dambudziko hombe rakatarisana nemabhizinesi madiki kukwidza mari yakakwana kuti ikure kana kuita mabasa. Ndipo panopinda zvikwereti zvebhizinesi zvisina kuchengetedzwa. Izvi zvikwereti zvisingade chero nzira yekubatisa uye zviri kubatsira vanamuzvinabhizinesi vadiki kurota hombe nekugadzirisa ramangwana remabhizinesi avo.
Mabatiro Anoita Zvikwereti Zvebhizinesi Zvikuru Kubudirira Kwemabhizinesi Madiki
Vanokweretesa semabhangi neNBFC vanowanzopa zvikwereti zvebhizinesi zvisina kuchengetedzwa kune varidzi vemabhizinesi madiki nekuti vari pachinzvimbo chekuti havagone kuratidza chero zvinhu, senge ivhu kana midziyo. Ndiko uko zvikwereti zvebhizinesi zvinobatsira mabhizinesi kupa mari bhizinesi ravo nenzira inotevera:
- Wedzera bhizinesi ravo: Vazhinji varidzi vemabhizinesi madiki vanoshandisa zvikwereti kuvhura zvimwe zvitoro, kutenga michina, kana kuwedzera eventory.
- Tonga nyaya dzekuyerera kwemari: Kuitwa kwebhizinesi kunowanzo kutarisana nekukwira nekudzika, nekuda kwezvikonzero zvakati wandei senge, mamiriro ehupfumi, kukwikwidza mumusika, kana mwaka. Zvikwereti zvinogona kubatsira varidzi kubata mari yekushanda panguva dzino dzakaoma.
- Kushambadzira: Kuti bhizinesi diki rikure, kushambadza kwakakosha. Zvikwereti zvinopa varidzi mari yekumhanyisa kushambadzira kwakasiyana-siyana pamusika kune zvigadzirwa kana masevhisi avo.
- Kubata tekinoroji: Huwandu hukuru hwemabhizinesi hunonyorera chikwereti cheSME kuvandudza kugona kwavo tekinoroji, zvichiita kuti vakwanise kukwikwidza mumusika wemazuva ano uye kukwikwidza mumusika.
Mashandisiro Epamhepo Zvishandiso Anochinja Maitiro eKukwereta Bhizinesi
Kunyorera chikwereti chebhizinesi chisina kuchengetedzwa hakuna kumboitwa nyore uye nekukurumidza. Makore mashoma apfuura, muzvinabhizinesi aifanira kuenda kumabhangi, kuzadza mapepa marefu uye kumirira kwemavhiki nzira yekubvumidza ichiitwa. Nhasi, nerutsigiro rwedhijitari tekinoroji, maitiro ekushandisa anoitwa zvakanyanya nyore:
- Zvishandiso zvinokurumidza: Vazhinji vanokweretesa parizvino vane mawebhusaiti kana nharembozha uko varidzi vebhizinesi reMSME vanogona kuzadza online application mumaminitsi mashoma.
- Mvumo chiriporipocho: Mamwe masangano ezvemari akaita semabhangi uye kunyanya maNBFC anoshandisa algorithms epamusoro kuongorora zvikumbiro zvechikwereti uye kukweretwa kweanokwereta uye kuita sarudzo nekukurumidza, kazhinji achipa mvumo mukati meawa.
- Paperless process: Kuisa magwaro anodiwa pawebhusaiti nevaridzi vebhizinesi reMSME kunogona kuchengetedza nguva yakawanda uye kunetseka.
- Kuita pachena: Iye anonyorera anogona nyore kuenzanisa mareti emubereko, mazwi echikwereti, uye EMI sarudzo dzenzvimbo dzakasiyana siyana.
Iri idanho redhijitari apo varidzi vemabhizinesi madiki vanogona kutarisa zvakanyanya mukufambisa mabhizinesi avo uye kwete kutambisa nguva yavo pamusoro pemaitiro akaomarara echikwereti.
Zvimiro uye Mabhenefiti eBhizinesi Diki Zvikwereti
Mazhinji maficha anobatana kuita zvikwereti zvebhizinesi zvisina kuchengetedzwa mukurumbira kune varidzi vemabhizinesi madiki:
- Hapana chibatiso chinodiwa: Sezvo chikwereti chebhizinesi chekukurumidza chichizove chenguva pfupi, hapana chikonzero chekupa chibatiso kune vanokweretesa. Nekudaro, hapana njodzi kune varidzi vemabhizinesi madiki vasina midziyo yakakosha yekupa sechibatiso.
- Flexible kubhadhara sarudzo: Vanokwereta vanogona kuwana mazwi ekubhadhara zvinoenderana nemamiriro avo emari, kazhinji achimhanya pakati pemwedzi gumi nemaviri kusvika makumi matanhatu.
- Mibairo inonzwisisika: Vazhinji vanokweretesa vari kupa makwikwi emitengo yechikwereti chisina kuchengetedzwa, chinokwanisika.
- Kukurumidza kubhadhara: Mari dzinowanzo kupihwa mukati memazuva mashoma emvumo yechikwereti, uye izvi zvinobatsira mabhizinesi kuzadzisa zvavanoda zvemari nekukurumidza.
- Masevhisi echikwereti akagadzirirwa: Varidzi vebhizinesi vanogona kukwereta sezvinodiwa uye zvakare kuvhara nekukurumidza kana zvichidikanwa sezvo zvikwereti zvebhizinesi zvidiki.
Zvinyorwa Zvinodiwa Kuti Unyore Kukwereta Bhizinesi
Chimwe chezvikonzero nei zvikwereti zvisina kuchengetedzwa zviri nyore chaizvo zvinyorwa zvishoma zvinodiwa. Ruzhinji rwevakweretesi vanoda chete mapepa ekutanga akadai se:
- Kuzivikanwa: Aadhaar kadhi, PAN kadhi, kana pasipoti.
- Address: Bhiri remagetsi, chibvumirano cherendi, kana magwaro ezvivakwa.
- Kunyoreswa kwebhizinesi: GST kunyoreswa, chitupa chekunyoresa bhizinesi, kana chibvumirano chekudyidzana
- Bank statements: Zvichangoburwa zvirevo zvebhangi zvemwedzi 6-12 yapfuura yekutarisa hutano hwemari hwebhizinesi.
- Chiratidzo chemari Inoreva magwaro emari akadai seITRs (Income Tax Returns) kana purofiti uye kurasikirwa zvirevo.
Nekuti magwaro akadai anowanikwa zviri nyore, bhizinesi diki rinogona kunyorera zvikwereti pasina kunonoka.
mhedziso
Zvikwereti zvemabhizinesi zvisina kuchengetedzwa zvave kushandura mamiriro emabhizimisi madiki, nekuwana mari isingade chibatiso. Vanamuzvinabhizinesi vanogona kuwedzera maMSME avo uye kudzora kuyerera kwemari nekutora mukana wekukura uchiri nyore uye usinganetse kunyorera maitiro. Mapuratifomu epamhepo akavandudza kukurumidza, kujeka, uye kuwanikwa kwakanyanya kwezvikwereti zvebhizinesi kune kunyange varidzi vemabhizinesi madiki.
Shanduko iyi inotsigirwa zvakanaka neNBFCs, sezvo vachipa mhinduro dzakagadzirirwa uye maitiro ekukurumidza ekubvisa. Tiine tarisiro pamitemo inoshamwaridzana nevatengi uye zvinyorwa zviri nyore. Aya masangano anovimbisa kuti varidzi vemabhizinesi madiki vanogona kuvimba navo sevamwe vanovimbika mukukura. Kuvaka ramangwana rakajeka uye rinosanganisirwa muIndia kumabhizinesi madiki ndizvo chaizvo izvo NBFC dzakarongerwa kuita kuburikidza nekuwedzera kwavo kwehunyanzvi uye huwandu hwakawanda hwezvigadzirwa zvechikwereti chebhizinesi nemasevhisi.
