MoqablaDukan ke paise
Dukan barhane ke liye partner ya qarz?
Ek zimma dari khatam ho kar dukan aap ki chhor deti hai. Doosri kabhi khatam nahin hoti magar doosra dimagh deti hai. Chhe sawal aur dono ke usool.
Qarz muqarrar zimma dari hai jo khatam ho jati hai. Partner nafe aur har faisle mein mustaqil hissa hai. Barhawa ek cheez hai jis ki wapsi ka andaza ho to qarz lein. Paise ke sath soch aur waqt bhi chahiye to partner lein. Dono par yaqeen na ho to apne paise se ahista barhein.
Paisa is mein asaan hissa hai
Aap apna maal dogna karna chahte hain, ya saath wali dukan lena chahte hain, ya aisi line barhana chahte hain jis par Rs 400,000 lagte hain jo aap ke paas nahin.
Do log raasta dete hain. Aap ka chacha zad bhai kehta hai ke paisa wo laga deta hai, dukan mein hissa le lega. Aur ek dene wala, baqaida ya ghair baqaida, wohi raqam muqarrar adaigiyon ke badle de deta hai.
Dono wohi Rs 400,000 dete hain, aur dukandar aksar in mein se wo chunte hain jo mil raha ho ya jis se baat karna kam mushkil ho. Yeh ghalat buniyad hai, kyunki paisa dono jagah ek hi hai aur us ke baad har cheez alag hai.
Aap asal mein zimma dari ki shakal chun rahe hain. Ek shakal khatam ho jati hai. Doosri nahin hoti.
Teen saal baad wohi dukan do tarah se dikh sakti hai. Pehli mein har mahine ki pehli tareekh ko ek banda aata hai, bees minute baithta hai, apna hissa leta hai aur poochta hai ke falan line ka maal kam kyun hai. Wo bura nahin hai. Wo bas mustaqil tor par mojood hai, aur jis barhawe ka paisa us ne lagaya us ki aadhi kamai us ki hai. Doosri mein aakhri adaigi saal bhar pehle ho chuki hai, kaghaz khane mein para hai, aur jo cold room us paise se bana wo ab sirf aap ke liye kama raha hai.
Koi bhi tasveer har dukan ke liye durust nahin. Magar zyadatar dukandaron ne yeh do tasveerein kabhi banayi hi nahin hotin, aur faisla hisab se zyada tasveer karti hai.
Partner ki asal qeemat
Partner ka paisa muft nahin hota. Wo sab se mehnga paisa hai, aur us ki wajah samajhna zaroori hai, kyunki kabhi kabhi wohi theek paisa bhi hota hai.
Wo nafe mein hissa leta hai jab tak yeh intezam qayam hai. Us ki raqam wapas hone tak nahin: jab tak wo partner hai. Dukan achi chali to us ka hissa har saal barhta hai, aur das saal mein wo jitna le jata hai wo aksar us ke lagaye hue paise se kai guna hota hai.
Wo faislon mein bhi hissa leta hai. Yehi hissa dukandar kam samajhte hain, aur yehi partneri torta hai. Kaun sa supplier, kis ko udhaar, mulazim rakhna hai ya nahin, aur har mahine kis ghar ke liye kitna paisa nikalta hai. Jis partner ne asal paisa lagaya us ka raye dene ka haq bhi asal hai, aur ek dukan mein do rayein us kaam se alag kaam hai jo abhi aap kar rahe hain.
Partner kya laata hai, aur kya leta hai
Jo wo laata hai
- Aisa paisa jis ki wapsi ki tareekh nahin
- Bura waqt aaye to nuqsan mein hissa
- Waqt, taalluqat aur doosra dimagh
- Wo shakhs jo aap ki gair mojoodgi mein dukan chala sakay
Jo wo mustaqil leta hai
- Jab tak wo hai, nafe mein hissa
- Har us faisle mein raye jo aap akele karte thay
- Supplier, udhaar aur maal par sawal ka haq
- Nikalne wale din ki lambi mushkil guftagu
Aur usay hatana bohat mushkil hai. Partneri khatam karne ka matlab yeh tay karna hai ke dukan ki qeemat kya hai, aur is sawal ka koi durust jawab nahin hota, jazbat bohat hote hain, aur aksar dono rishtedar hote hain.
Ek aur qeemat bhi hai jis se koi khabardar nahin karta: partner aap ka apna chalna badal deta hai. Partner wale dukandar chhote khatray lena chupke se chhor dete hain, kyunki ab har faisla kisi ko samjhana parta hai. Kabhi yeh ehtiyat faida deti hai. Aur kabhi yehi wo cheez rok deti hai jis ne dukan ko acha banaya tha, aur wo kisi hisab mein kabhi nazar nahin aati.
In sab ke muqable partner wo cheezein deta hai jo qarz kabhi nahin deta. Us ke paise ki koi tareekh nahin, is liye bura mahina sirf bura mahina rehta hai, bohran nahin banta. Nuqsan mein wo bhi hissa daar hota hai. Aur acha partner waqt, taalluqat aur doosra dimagh bhi laata hai, jo tangi mein paise se zyada qeemti hai, jaisa naukar rakhein ya khud sambhalein parhne wala har shakhs janta hai.
Qarz ki asal qeemat
Qarz chhota aur sakht wada hai. Us ki qeemat muqarrar tareekh par muqarrar raqam hai, mahina chahe kaisa bhi guzra ho, aur khatra bhi aap ka hai, kyunki barhawa nakam ho jaye to adaigiyan us se nahin rukteen.
Yehi sakhti us ki khoobi bhi hai. Wo khatam ho jati hai. Aakhri adaigi par dukan poori aap ki hoti hai, us paise se jo kuch bana wo andar hi rehta hai, aur aap ke supplier ke bare mein kisi ki koi raye nahin hoti.
Qarz ka khatra intezam mein nahin hota. Wo size aur waqt mein hota hai. Ache mahine ke hisab se rakhi gayi adaigi phanda hai, kyunki dukan par bure mahine bhi aate hain, aur adaigi unhi mein se sab se bure mein aa girti hai. Apne bad tareen haaliya mahine ke hisab se rakhi gayi adaigi mehfooz hai, aur in do numberon ka farq us dukan aur us dukan ka farq hai jo barhti hai aur jo do saal sambhalne mein lagati hai.
Adaigi us tarteeb par rakhein jo aap ka apna paisa waqai deta hai. Aap ka paisa haftawar aata hai to haftawar adaigi aap ki dukan par mahana se behtar baithti hai, chahe rivaj kuch bhi ho.
Aamne saamne moazna
Zyadatar faisle wo lakeer karti hai jo bure mahine ki hai, is liye khud se saaf poochein ke saal mein aap ki dukan par kitne bure mahine aate hain aur wo kitne bure hote hain.
Teen saal mein dono ka hisab
Numbers is baat ko thos banate hain, aur thos soorat hi logon ki raye badalti hai.
Farz karein Rs 400,000 se dukan mahana Rs 22,000 zyada kamati hai
Farzi raqmein hain, sirf shakal samjhane ke liye. Apna barhawa aur apni adaigi daalein; moazna aap ke apne numbers ke saath hi maani rakhta hai.
Farz karein barhawa chal jata hai aur dukan pehle se Rs 22,000 mahana zyada kamati hai. Rs 400,000 ka qarz do saal mein us kamai ka ek muqarrar hissa leta hai aur phir bilkul lena band kar deta hai. Jis partner ke paas dukan ka ek tihai hai wo usi zaid kamai mein se lagbhag Rs 7,300 har mahine leta hai, aur chauthe, chhate aur daswein saal bhi leta rehta hai, jo bilkul wohi hai jis par wo razi hua tha aur bilkul wohi hai jo dukandar mushkil dopeher mein haan kehte waqt tasawwur karna bhool jate hain.
Partner wale khane par ghor karein ke us ka paisa wapas ho jane ke baad kya hota hai. Yeh partner ke khilaf daleel nahin. Yeh us cheez ki qeemat hai jo partner deta hai, aur jab aap ko soch, waqt aur mila jula khatra mil raha ho to yeh munasib qeemat hai. Aur jab aap ko sirf cold room ka paisa chahiye tha, jo chaudah mahine mein wapas ho jata, tab yehi qeemat bohat buri hai.
Ulti soorat bhi utni hi asli hai. Barhawa nakam ho jaye to qarz us dukan se bhi adaigi mangta rehta hai jo kama nahin rahi, jabke partner wali soorat mein kamai bas kam ho jati hai. Partner nakami ka hissa apne oopar leta hai. Us ka mustaqil hissa aap ko yehi khareed kar deta hai.
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Chhe sawal jo aap ki dukan ke liye faisla kar dete hain
In ka saaf jawab dein aur chunao khud ho jata hai.
Paisa kisi ek cheez ke liye hai jis ka anjaam hai, ya us tarteeb ke liye jo chalti rahegi? Cold room, delivery ki motorcycle ya maal barhana, in ka anjaam bhi hai aur wapsi ka andaza bhi. "Har mausam mein chalne ke liye paisa" ka nahin, aur wo partner ka ilaqa hai ya kuch bhi nahin.
Kya aap wo mahina naam le kar bata sakte hain jab barhawa apni qeemat nikalna shuru karega? Haan to qarz lein. Saal bhar ke andar naam na le sakein to yeh ishara hai ke raftar kam karein, na ke paise ka doosra zariya dhoondein.
Agar wo paisa bilkul na laata to kya aap usay partner banate? Imandar jawab nahin hai to aap ko partner nahin chahiye. Aap ko us ka paisa chahiye, aur usay partneri bana dena hi wo tareeqa hai jis se rishta kharab hota hai.
Kya aap ka bad tareen haaliya mahina wo adaigi utha sakta hai? Aam mahina nahin. Bad tareen.
Kya aap ko waqai kisi ka waqt aur us ki soch chahiye? Jis dukan ki had waqt hai, paisa nahin, us ka hal qarz mein hai hi nahin.
Aur agar aap do mahine bimar par jayein to dukan ka kya banega? Qarz apni tareekhein nahin chhorta. Partner dukan chalata hai. Is ek sawal ne kisi bhi hisab se zyada faisle kiye hain.
Partner lein to pehle chhe baatein likhein
Zyadatar tooti hui partneriyan us waqt tak theek thin jab tak koi aam si baat pesh nahin aa gayi aur us par pehle se kuch tay nahin tha. Paisa aane se pehle yeh saada alfaz mein likhein aur dono dastkhat karein.
Har shakhs kya laga raha hai. Paisa, waqt, aur dukan ka mojooda maal aur us ke customer. Mojooda dukan ki bhi qeemat hai aur us ka naam lena zaroori hai, warna partner ka paisa chupke se us cheez ka aadha khareed leta hai jo aap pehle bana chuke hain.
Har shakhs kya nikalta hai, har mahine, aur us paise ka naam kya hai. Zyadatar partneri ke jhagre nafe ke hisse par nahin hote. Wo is par hote hain ke ek partner ghar ke kharch ke liye rozana thora sa leta raha aur doosre ko paanch mahine baad pata chala.
Nafa kaise nikalega aur kitne arse baad. Is ke liye yeh jan-na zaroori hai ke dukan waqai kya kamati hai, aur isi liye dukan ka asli nafa nikalna tafseel nahin, pehli shart hai.
Kaun kya tay karega, aur kitni raqam tak. Ek had jis se neeche har partner khud faisla kar sakta hai, rozana ke lagbhag tamam jhagre khatam kar deti hai.
Koi nikalna chahe to kya hoga. Tareeqa abhi tay karein, jab sab khush hain: dukan ki qeemat kaise lagegi, doosre ko dene ke liye kitna waqt milega, aur wo na de sakay to kya hoga.
Aur paisa kahan likha jayega, ek hi jagah jo dono dekh sakein. Ek khate mein do log likhein, yeh apna alag mauzu hai, aur us ke amli jawab do partner ek dukan ka hisab mein hain. Mila jula paisa mila jula record mangta hai: Wasoolo mein wohi dukan doosre shakhs ke liye is tarah kholi ja sakti hai ke wo kya dekh sakta hai aur kya kar sakta hai, yeh tay ho, taake dono partner ek hi balance parhein, do alag yaadein nahin.
Qarz lein to size rakhein aur umeed aadhi kar lein
Yahan usool chhote hain kyunki theek karne ko sirf do cheezein hain.
Adaigi apne bad tareen mahine ke hisab se rakhein, phir dekhein ke us adaigi ke nikal jane ke baad dukan chalti bhi hai ya nahin. Jawab "bamushkil" ho to kam qarz lein aur ahista barhein.
Qarz ka apna record dukan ke aam paise se alag rakhein. Kitna liya, kitna diya, kitna baqi, aur tareekhein. Jo qarz sirf zehen mein rehta hai us par ek din us shakhs se bahes hoti hai jis ne diya tha, khaas tor par jab wo rishtedar ho aur koi kaghaz na ho.
Adaigi par razi hone se pehle yeh paanch dekhein
- Adaigi aam nahin, bad tareen haaliya mahine mein bhi baithti hai
- Adaigi ki tarteeb aap ke paise ke aane se milti hai
- Paisa ek hi cheez par, ek hi baar kharch hota hai
- Jo us se bane, wohi adaigiyan kamaye
- Raqam, adaigiyan aur tareekhein likhi hui hain
- Supplier ka bill jaldi aa jaye, us ki gunjaish bhi hai
Barhawe ka qarz chupke se rozana ka paisa na banne dein. Wo usi cheez par ek hi baar kharch hota hai jis ke liye liya gaya, aur jo us se bana wohi adaigiyan kamata hai. Jo qarz rozana ki kharidari mein ris jata hai wo bina kuch peechay chhore gayab ho jata hai.
Aur kuch bhi tay karne se pehle saaf sawal par ek lamha rukein: kya barhawa khud theek qadam hai? Barhna chahiye ya nahin aur kis taraf, yeh doosri dukan ya isi ko barhayein mein hal kiya gaya hai, aur us par ek shaam lagana ghalat mansoobe ki adaigi ke do tareeqon ka moazna karne se behtar hai.
Wo teesra jawab jo koi nahin deta
Ek khamosh raasta bhi hai jo bohat si dukanon ke liye dono se behtar hai, aur usay koi is liye nahin batata ke us mein kisi ka faida nahin.
Apne paise se barhein, chhote qadamon mein, lambe arse mein. Aadha maal abhi barhayein aur baqi aadha chaar mahine baad us kamai se jo pehle aadhe ne di. Saath wali dukan tab lein jab paisa mojood ho, na ke jab moqa ailan kare.
Yeh ahista hai, is mein koi chamak nahin, aur is mein poori dukan aur poora faisla aap ke hath mein rehta hai. Jis dukan ka kaam barabar chal raha ho aur koi foran khatra na ho, us ke liye aksar yehi durust jawab hai, aur dono chamakte hue raston ko is se jeetna chahiye, sirf aapas mein moazna nahin.
Sirf ek soorat mein intezar waqai ghalat hai: jab moqa dobara nahin aata. Saath wali dukan kisi aur ko de di jayegi, ya supplier ki line ek hi baar bant rahi hai. Tab raftar ki qeemat dena maani rakhta hai, aur partner ya qarz ka chunao sabr se bhagne ke bajaye asal sawal ban jata hai.
Mera rishtedar sirf paise ke badle hissa chahta hai aur dukan par kaam nahin karega. Kya yeh partneri hai?
Yeh aisa intezam hai jise bohat ehtiyat se likhna chahiye, kyunki wo ek baar ki raqam par mustaqil hissa le raha hai. Bohat se dukandaron ke liye behtar yeh hota hai ke usay saaf anjaam wala qarz samjhein, aur paisa aane se pehle yeh keh dein.
Partner ko kitna hissa dena munasib hai?
Jo dono tay karein, magar buniyad yeh ho ke har ek kya laa raha hai, aur is mein mojooda dukan, us ka maal, us ke customer aur aap ka apna waqt bhi shamil hai. Jo partner dukan ki qeemat ka ek tihai laga raha hai wo aadhi dukan ka malik nahin hota.
Kya main sirf dukan ke ek hisse ke liye partner rakh sakta hoon?
Haan, aur kuch kaamon mein yeh acha chalta hai: ek line ya ek shakh mein partner, us ke apne khate ke sath. Yeh sirf tab chalta hai jab us hisse ka paisa pehle din se waqai alag rakha jaye.
Mahane nafe ka kitna hissa adaigi mein ja sakta hai?
Aam mahine ke bajaye apna bad tareen haaliya mahina dekhein, aur supplier ka bill waqt se pehle aane ki gunjaish bhi chhorein. Jo adaigi sirf ache mahine mein aaram deh lage, wo bari hai.
Mera partner pehle se hai aur baat nahin ban rahi. Ab kya?
Kisi bhi guftagu se pehle likhein ke tay kya hua tha, hua kya hai, aur har ek kitna nikalta hai. Zyadatar partneri ke jhagre asal mein record ke jhagre hote hain, aur dono ke ek hi numbers parhne par wo bohat chhote ho jate hain.
Kya kisi dene wale ke bajaye ghar walon se qarz lena ghalat hai?
Yeh aam bhi hai aur theek bhi, bashart ke usay asal intezam samjha jaye: likhi hui raqam, adaigi ka mansooba, aur har adaigi ka record. Bina record ke ghar ka paisa wohi cheez hai jis se ghar walon ka bolna band ho jata hai.