About 'small finance'|Problems and Challanges of Micro-Small Financing

About 'small finance'|Problems and Challanges of Micro-Small Financing

Ｓｔａｒｔｉｎｇ               ａ               ｎｅｗ               ｂｕｓｉｎｅｓｓ               ｃａｎ               ｂｅ               ｓｃａｒｙ               ａｎｄ               ｍａｎｙ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓ               ｏｗｎｅｒｓ               ａｒｅ               ｃｈａｌｌｅｎｇｅｄ               ｔｏ               ｏｖｅｒｃｏｍｅ               ｔｈｅ               ｏｂｓｔａｃｌｅｓ               ｏｆ               ｆｉｎａｎｃｅ               ａｎｄ               ｐｒｉｃｉｎｇ               ｔｏ               ｅｎｓｕｒｅ               ａ               ｐｒｏｆｉｔ               ｉｓ               ｒｅｔｕｒｎｅｄ               ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈｅ               ｙｅａｒ. Ｉｆ               ｙｏｕ               ａｒｅ               ｓｔａｒｔｉｎｇ               ａ               ｎｅｗ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓ               ｔｈｉｓ               ｙｅａｒ,               ｉｔ               ｉｓ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ｃｏｎｓｉｄｅｒ               ｓｏｍｅ               ｋｅｙ               ａｓｐｅｃｔｓ               ｏｆ               ｐｒｉｃｉｎｇ               ａｎｄ               ｃｏｓｔ               ｃｕｔｔｉｎｇ               ｔｅｃｈｎｉｑｕｅｓ               ｔｏ               ｅｎｓｕｒｅ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｆｉｎａｎｃｅｓ               ａｒｅ               ｐｒｏｔｅｃｔｅｄ               ａｓ               ｍｕｃｈ               ａｓ               ｐｏｓｓｉｂｌｅ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｙｅａｒ. Ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｙｅａｒ               ｏｆ               ｙｏｕｒ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓ,               ｏｎｅ               ｏｆ               ｔｈｅ               ｍｏｓｔ               ｉｍｐｏｒｔａｎｔ               ａｓｐｅｃｔｓ               ｏｆ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｓｔｒｕｃｔｕｒｅ               ｓｈｏｕｌｄ               ｂｅ               ｙｏｕｒ               ｐｒｉｃｉｎｇ. Ｔｏ               ｅｎｓｕｒｅ               ｙｏｕｒ               ｂｒａｎｄｉｎｇ               ａｎｄ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ａｒｅ               ｐｒｅｓｅｎｔｉｎｇ               ｔｈｅ               ｂｅｓｔ               ｉｍａｇｅ               ｐｏｓｓｉｂｌｅ,               ｉｔ               ｓｈｏｕｌｄ               ｂｅ               ｉｍｐｏｒｔａｎｔ               ｔｈａｔ               ｙｏｕ               ａｖｏｉｄ               ｕｎｄｅｒｐｒｉｃｉｎｇ               ｙｏｕｒ               ｐｒｏｄｕｃｔｓ               ｏｒ               ｓｅｒｖｉｃｅｓ               ａｔ               ａｌｌ               ｃｏｓｔ. Ｂｅｉｎｇ               ｔｈｅ               ｌｅａｓｔ               ｅｘｐｅｎｓｉｖｅ               ｓｅｒｖｉｃｅ               ｏｒ               ｐｒｏｄｕｃｔ               ｄｏｅｓ               ｎｏｔ               ｍｅａｎ               ｙｏｕ               ｗｉｌｌ               ｇｅｔ               ｔｈｅ               ｂｅｓｔ               ｐｏｓｓｉｂｌｅ               ｃｕｓｔｏｍｅｒｓ               ｏｒ               ｔｈｅ               ｂｅｓｔ               ｐｏｓｓｉｂｌｅ               ｒｅｔｕｒｎ               ｏｎ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｉｎｖｅｓｔｍｅｎｔ. Ｔｈｅｒｅｆｏｒｅ,               ｐｒｉｃｅ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｓｅｒｖｉｃｅｓ               ａｃｃｏｒｄｉｎｇｌｙ,               ｅｖｅｎ               ｏｖｅｒｐｒｉｃｉｎｇ               ｉｆ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｕｎｔｉｌ               ｙｏｕ               ｈａｖｅ               ａ               ｃｈａｎｃｅ               ｔｏ               ｔｅｓｔ               ｔｈｅ               ｗａｔｅｒｓ               ｉｎ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｖｅｒｔｉｃａｌ.                Ａｎｏｔｈｅｒ               ａｒｅａ               ｏｆ               ｃｏｎｃｅｒｎ               ｆｏｒ               ｍａｎｙ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｙｅａｒ               ｉｎｖｏｌｖｅｓ               ｔｈｅ               ｕｓｅ               ｏｆ               ｐｒｉｎｔ               ｍａｉｌｅｒｓ. Ｂｅｃａｕｓｅ               ｐｒｉｎｔ               ｍｅｄｉａ               ｉｓ               ｗａｓｔｉｎｇ               ａｎｄ               ｆａｌｌｉｎｇ               ｂｅｈｉｎｄ               ｔｏ               ｏｎｌｉｎｅ               ｍｅｄｉａ               ａｄｖｅｒｔｉｓｉｎｇ,               ｉｔ               ｉｓ               ｒｅｃｏｍｍｅｎｄｅｄ               ｔｈａｔ               ｙｏｕ               ａｖｏｉｄ               ｓｐｅｎｄｉｎｇ               ｖａｌｕａｂｌｅ               ｄｏｌｌａｒｓ               ｏｎ               ｐｒｉｎｔ               ｍａｉｌｉｎｇ               ａｎｄ,               ｉｎｓｔｅａｄ,               ｃｏｎｓｉｄｅｒ               ｉｎｖｅｓｔｉｎｇ               ｙｏｕｒ               ｆｉｒｓｔ               ｙｅａｒ               ｂｕｓｉｎｅｓｓ               ｄｏｌｌａｒｓ               ｉｎｔｏ               ｅｘｐｅｎｓｅｓ               ｔｈａｔ               ａｒｅ               ｍｏｒｅ               ｄｒｉｖｅｎ               ｔｏｗａｒｄ               ａ               ｇｌｏｂａｌ               ｏｎｌｉｎｅ               ｍａｒｋｅｔ.                Ｋｅｅｐ               ｉｎ               ｍｉｎｄ               ｔｈａｔ               ｙｏｕｒ               ｆｉｒｓｔ               ｙｅａｒ               ｏｆ               ｂｕｓｉｎｅｓｓ               ｗｉｌｌ               ｂｅ               ｃｈａｌｌｅｎｇｉｎｇ               ｉｎ               ｔｅｒｍｓ               ｏｆ               ｔｉｍｅ               ｍａｎａｇｅｍｅｎｔ. Ｂｅｃａｕｓｅ               ｒｅｆｅｒｒａｌｓ               ａｎｄ               ｌｏｙａｌｔｙ               ａｒｅ               ｗｈａｔ               ｗｉｌｌ               ｍａｋｅ               ｏｒ               ｂｒｅａｋ               ｙｏｕｒ               ｂｓｕｉｎｅｓｓ,               ｂｅ               ｓｕｒｅ               ｔｈａｔ               ｙｏｕ               ａｒｅ               ｎｏｔ               ｓｐｒｅａｄｉｎｇ               ｙｏｕｒ               ｔｉｍｅ               ｏｖｅｒ               ｔｏｏ               ｍａｎｙ               ｐｒｏｊｅｃｔｓ               ｏｒ               ｓｅｒｖｉｃｅｓ               ａｎｄ               ｔｒｙ               ｔｏ               ｆｏｃｕｓ               ｏｎ               ｔｈｅ               ｆｅｗ               ｖａｌｕｅｄ               ｃｌｉｅｎｔｓ               ｙｏｕ               ｈａｖｅ               ｓｅｃｕｒｅｄ,               ｅｓｐｅｃｉａｌｌｙ               ｉｆ               ｔｈｅｙ               ｗｉｌｌ               ｍａｋｅ               ａｄｄｉｔｉｏｎａｌ               ｒｅｆｅｒｒａｌｓ               ｔｏ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ. Ｉｎ               ｔｈｅ               ｌｏｎｇ               ｔｅｒｍ,               ｔｈｉｓ               ｉｓ               ｈｏｗ               ｙｏｕ               ｗｉｌｌ               ｂｕｉｌｄ               ｙｏｕｒ               ｂｕｉｓｎｅｓｓ               ａｎｄ               ｐｒｏｓｐｅｒ               ｉｎｔｏ               ｔｈｅ               ｓｅｃｏｎｄ               ｙｅａｒ.                Ｓｔａｒｔｉｎｇ               ａ               ｎｅｗ               ｂｕｓｉｎｅｓｓ               ｃａｎ               ｂｅ               ｏｖｅｒｗｈｅｌｍｉｎｇ               ａｎｄ               ｆｏｒ               ｍａｎｙ               ｂｕｉｓｎｅｓｓ               ｏｗｎｅｒｓ               ｍａｎｙ               ｍｉｓｔａｋｅｓ               ａｒｅ               ｍａｄｅ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｙｅａｒ. Ｆｏｌｌｏｗｉｎｇ               ｔｈｅｓｅ               ｔｉｐｓ               ａｎｄ               ａｄｖｉｃｅ,               ｙｏｕ               ｃａｎ               ｇａｒｎｅｒ               ａ               ｆａｒ               ｂｅｔｔｅｒ               ｏｕｔｃｏｍｅ               ｔｏ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｇａｉｎｓ               ｏｒ               ｌｏｓｓｅｓ               ａｓ               ｔｈｅ               ｆｉｒｓｔ               ｙｅａｒ               ｏｆ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｃｏｍｅｓ               ｔｏ               ａｎ               ｅｎｄ. Ｉｎ               ｐｒａｃｔｉｃｉｎｇ               ｔｈｅｓｅ               ｔｅｃｈｎｉｑｕｅｓ,               ｙｏｕ               ｃａｎ               ｏｖｅｒｃｏｍｅ               ｙｏｕｒ               ｈｕｒｄｌｅｓ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｙｅａｒ               ａｎｄ               ｍａｋｅ               ｔｈｅ               ｓｅｃｏｎｄ               ｙｅａｒ               ｏｆ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｓｔａｒｔ               ｏｆｆ               ａｈｅａｄ               ｏｆ               ｙｏｕｒ               ｓｔｒａｔｅｇｉｃ               ｂｕｓｉｎｅｓｓ               ｐｌａｎ               ｄｅｖｅｌｏｐｍｅｎｔ.                Ｓｏｕｒｃｅｓ:               Ｂｕｓｉｎｅｓｓ               Ｃｏｎｎｅｃｔｉｏｎｓ,               Ｊａｎｕａｒｙ               2010,               ｐ. 15.

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