marketplace literacy training slides - training of ... · •kwahiyo, kila mtu mzima ana uwezo wa...
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Marketplace Literacy Training slides
- Training of trainers presentation -
1
“Investing in Maasai women
for improving rural community well-being”
Contract n. DCI-HUM/2014/341-127
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SEHEMU YA KWANZA
Ufahamu wa masoko
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Ufahamisho
• Ukaribisho
• Utambulisho
• Matarajio
• Ramani – barabara ya mafunzo (ufahamu wamasoko/ujasiriamali)
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Ufahamisho - inaendelea
• Kanuni za mafunzo (Simu, muda, kuheshimu maoni ya wengine, kuheshimiana, kupendana, uwazi, kukosoana n.k.)
• Kuchagua viongozi
• Kujenga Timu katika mafunzo
• Lengo: Mafunzo yatalenga watu wenye kipato cha chini
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KAULI MBIU YA MAFUNZO
“Biashara ni Maisha”
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Matokeo ya mafunzo
Baada ya mafunzo washiriki wataweza
• Kueleza kwa msisitizo (kama wateja au wajasriamali) umuhimu wa kufahamu mienendo ya masoko na ujasiriamali badala ya kusisitiza ufahamu wa kununua na kuuza bidhaa au huduma peke yake
• Kufanya ujasiriamali kwa uwezo mkubwa na kwa usahihi kwa kuzingatia uwiano wa haki za mteja (mnunuzi) na haki za muuzaji
• Kujiamini katika biashara kutokana na ufahamu wa mienendo ya masoko na ujasiriamali
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Ufafanuzi wa kauli mbiu
Neno “MAISHA” lina maana mchakato wa kuboresha nafsi za binadamu ambazo ni pamoja na nafsi za
• Kiroho
• Hisia
• Kiakili
• Kimwili
• Kijamii
• Kimazingira
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Ufafanuzi wa kauli mbiu
• Madhumuni ya mchakato wa kuboresha nafsi nikuishi MAISHA BORA kwa maana ya maisha yafuraha
• Neno “BIASHARA” kwa ujumla lina maanakubadilishana vitu au huduma kwa ajili ya kuboreshanafsi za binadamu (Nafsi za kiroho, hisia, kiakili, kimwili, kijamii na kimazingira) yaani kukidhi mahitajiya wajasiriamali, wateja na wanajamii ili wawezekuishi maisha ya furaha
• Ina maana kuwa ni lazima biashara ifanyike kwakuzingatia haki za watu ambapo ni pamoja nakuzingatia haki za wanawake, wazee, walemavu nawatoto katika jamii na katika familia
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Masoko
Utangulizi
• Somo: Dhana ya ufahamu wa masoko (Ufafanuzi)
• Umuhimu wa kufahamu mienendo ya masoko kabla ya kuzalisha bidhaa
Kwa mteja
Kwa mjasiriamali
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Masoko - inaendelea
• Uhusiano kati ya somo na kauli mbiu ya mafunzo (Somo linalenga kuboresha maisha ya watu, siyo tu kwa ajili ya kupata elimu au stadi kuhusiana na somo)
• Tafsiri ya maneno soko, sokoni
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Kitu muhimu kuliko vyote
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Mteja
• Mteja: Ufafanuzi wa neno mteja
• Mteja ni mfalme: Huu ni msisitizo kuwa mteja ni kitu muhimu kuliko vyote katika biashara (Zoezi: Washiriki kuchagua picha wanazoona ni kitu muhimu kuliko vyote katika biashara na kueleza sababu ya uchaguzi wao)
• Ina maana ni lazima kutumia muda wa kutosha kuliko ilivyo kwa sasa ili kumuelewa na kumhudumia mteja kikamilifu
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Tabia ya mteja
• Kujiuliza swali KWANINI ili kufafanua tabia za mteja, tabia za muuzaji na mienendo ya soko wakati wa kuuza na kununua (Kwanini wengi wamevutia na duka hili au lile, kwanini wateja hawakulinganisha bei za maduka mawili kabla ya kununua n.k.)
• Ujumbe:
• Kuna manufaa zaidi kwa mjasiriamali kufahamu tabia ya mteja katika kununua kuliko kufahamu jinsi ya kununua na kuuza bidhaa au huduma peke yake
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Tabia ya mteja
ZOEZI
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Majukumu na haki ya mteja
• Kanuni za kununua na umuhimu wake katika biashara
• Mifano ya kanuni za kununua bidhaa au huduma
Kutayarisha orodha ya kuzingatia kabla ya kwenda sokoni kununua bidhaa
Kuepuka kununua bidhaa ambayo wakati wake umekwisha
Kununua bidhaa kwa kuzingatia viwango-Nembo ya viwango, chapa, n.k.
Kuchunguza idadi, uzito, ujazo n.k. kabla ya kununua
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Majukumu na haki ya mteja - inaendelea
• Kudai risiti inayotambuliwa na serikali
• Kuhesabu chenji mara baada ya kupokea kutoka kwa muuzaji
• Kuepuka kuchafua mazingira
• Kudadisi thamani ya bidhaa ili kufahamu na kulipia thamani halisi
• Kulinganisha bei ya bidhaa kwenye maduka mengine kabla ya kununua
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Majukumu na haki ya mteja - inaendelea
• Kununua kwa kuzingatia thamani ya sasa au yabaadae badala ya kununua kwa madhumuni yasiyona tija
• Kuepuka kufanya shughuli za biashara zinazoathirihisia na shughuli za kijamii
• Kuzingatia kuwa mteja ana haki sawa na muuzaji. (Rejea usawa kwa kuonyesha mizani ambapo uzitowa mteja unalingana na uzito wa muuzaji)
Ujumbe: Mteja na mjasiriamali hujenga hali yakujiamini katika biashara kwa kufuata kanuni zakununua bidhaa au huduma
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Thamani
• Ufafanuzi wa neno “Thamani”
• Mahusiano ya maneno thamani, bidhaa na huduma
• Mifano ya thamani (bidhaa, huduma)
• Elimu (Huduma)
• Mifugo (Bidhaa)
• Samadi (Mbolea; malighafi ya nishati)
• Sabuni (bidhaa)
• Sukari (bidhaa)
• Matangazo (Huduma)
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Thamani - inaendelea
Mifano ya thamani
• Mahubiri (Huduma)
• Maombi (Huduma)
• Wimbo (Huduma)
• Uaminifu (Huduma)
• Uwazi (Huduma)
• Vipaji (Huduma/bidhaa)
• Mahusiano kwa upendo wa dhati na watukwamfano majirani
• Miti
• Asali
• N.k. 19
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Thamani - inaendelea
• Matumizi ya neno thamani katika kutafsiri neno biashara au ujasiriamali
• Kutambua thamani zilizopo kwenye mazingira tunayoishi (Washiriki kutoa ushuhuda wa thamani zilizopo kwenye mazingira yao)
• Kutengeneza thamani
• Kuongeza thamani
• Mnyororo wa thamani
• Mifano ya thamani (bidhaa au huduma) zinazoweza kutengenezwa bila kusubiri mtaji wa fedha
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Mnyororo na Ongezeko la thamani
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Kubadilishana thamani
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Thamani - inaendelea
• Gharama za bidhaa kuhusiana na
Ongezeko la thamani
Mnyororo wa thamani
• Bei za bidhaa kuhusiana na
Ongezeko la thamani
Mnyororo wa thamani
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Thamani - inaendelea
Ujumbe:
• Kila mtu mzima ana uwezo wa kutambua thamani (bidhaa au huduma) katika mazingira yake au kujenga thamani mpya akitaka
• Inawezekana kutambua au kujenga thamani bila kuwa na mtaji wa fedha
• Mtaji bora katika ujasiriamali ni akili na maarifa ukichanganya na ubunifu
• Inafuatia kuwa kila mtu mzima ana uwezo wa kubadilishana thamani na wengine baada ya kuzitambua au kuzijenga thamani hizo kabla ya kuwa na mtaji wa fedha
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Thamani - inaendelea
Ujumbe
• Kwahiyo, kila mtu mzima ana uwezo wa kuanza biashara/ujasiriamali bila kusubiri mtaji wa fedha kwa kuwa tafsiri ya biashara/ujasiriamali ni kubadilishana thamani kati ya mnunuzi na muuzaji
• Kitu muhimu ni kupata wateja wa uhakika kwanza. Mbinu tofauti na mtaji wa fedha zinaweza kutumika kufanikisha biashara (kubadilishana thamani)
• Nafasi ya mtaji wa fedha itakuwa ni kuboresha, kuimarisha au kupanua biashara
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Utafiti
• Maana ya neno utafiti
• Madhumuni ya utafiti katika biashara
• Utafiti usisitize kuuliza na kujibu Swali “KWANINI” kuhusiana na vipengele mbali mbali vya masoko
• Swali “KWANINI” badala ya mengine kama “WAPI, LINI, NANI n.k. hutoa fursa ya kuelewa tabia namienendo ya masoko kwa kina na kwa mapana. Maswali mengine pia yana umuhimu wake katikautafiti
• Mifano ya swali “KWANINI”
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Utafiti - unaendelea
• Mifano ya masuala ya kufanyia utafiti katika biashara
Kulinganisha bei kabla ya kununua bidhaa au huduma
Kuchunguza vizuri biashara ya kufanya
Kuchunguza ushindani katika biashara
Kuchunguza utayari wa wateja na uwezo wao wa kununua bidhaa au huduma
Kuhakiki utayari wa wateja na uwezo wao wa kununua bidhaa au huduma
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Utafiti - unaendelea
• Ujumbe: Mteja au mjasiriamali hufanya utafiti kwa madhumuni ya kupata taarifa sahihi ili kufanya maamuzi sahihi
• Rejea mwongozo wa mafunzo
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Mwendelezo wa masoko
Mjasiriamali huzingatia mwendelezo wa masoko
• Kifedha
• Shughuli za masoko kuongeza kwa wingi kipato cha biashara kifedha
• Kiutawala
• Shughuli za masoko kuwa na mfumo kamili wa kujiendesha
• Kimazingira
• Shughuli za masoko zisiharibu mazingira au mazingira yasiharibu shughuli hizo
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Mwendelezo wa biashara - unaendelea
• Kijamii
• Shughuli za masoko kuzingatia haki za kijamii pamoja na kuzingatia haki za wanawake, wazee, watoto, walemavu n.k.
• Ujumbe:
• Mjasiriamali hutayarisha na kutekeleza mpango wa mwendelezo wa masoko anapoanza biashara
• Rejea (Mwongozo wa mafunzo): Ukurasa
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Muhtasari wa yaliyofundishwa
UFAFANUZI
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SEHEMU YA PILI
Ufahamu wa ujasiriamali
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KAULI MBIU YA MAFUNZO
“BIASHARA NI MAISHA”
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Ufahamu wa ujasiriamali
Wigo wa mafunzo
• Biashara ni MFUMO na siyo shughuli ya kuuza na kununua bidhaa au huduma tu
• MFUMO wa biashara una vipengele vingi
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Ufahamu wa ujasiriamali
• Vipengele vingi vya biashara huwezesha bidhaa au huduma kuwepo
• Ina maana kuwa vipengele vinavyowezesha bidhaa kuwepo ni muhimu kuliko bidhaa au huduma katika biashara
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Ufahamu wa ujasiriamali….unaendelea
• Inafuatia kuwa ni busara kwa mjasiriamali kuwekamsisitizo zaidi kwenye vipengele vya biasharavinavyowezesha bidhaa au huduma kuwepobadala ya kuweka msisitizo kwenye bidhaa au huduma peke yake
• Kuwafahamisha washiriki kuwa biashara endelevuinahusu kujenga mahusiano kati ya muuzaji namnunuzi na siyo kuuza na kununua bidhaa au huduma tu
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Vipengele vya ujasiriamali/Biashara
(A)Utafiti wa soko na tathmini ya mjasiriamali
Ufafanuzi, mifano na ushuhuda
• Utafiti
• Mahitaji / matatizo ya watu
• Tathmini ya fursa za biashara
• Vipaumbele vya biashara
• Mazingira ya ndani ya biashara
• Ushindani katika biashara
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Utafiti wa soko na tathmini ya mjasiriamali
Ufafanuzi, mifano na ushuhuda
• Mazingira ya nje ya biashara(serikali/asili)
• Tabia ya wateja kwa mapana na kwa kina (nafsi zawateja)
• Kuhakiki uwepo wa wateja wa uhakika
• Kupata wateja
• Kubaki na mteja
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Utafiti wa soko na tathmini ya mjasiriamali
Ufafanuzi, mifano na ushuhuda
• Imani/kuamini inawezekana
• Kujiamini katika biashara (Kuikabili hofu, kupatataarifa sahihi)
• Watu wa mfano wa kuigwa
• Mihimili katika biashara
• Washauri walezi katika biashara
• Mifano ya biashara zilizoanzishwa bila mtaji wafedha
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(B) Mpango wa biashara
Ufafanuzi, mifano na ushuhuda
• Pendekezo la thamani
• Wazo la biashara
• Mfumo wa matumizi ya rasilimali kwa ajili yakufanya ujasiriamali: Kufanikisha biashara kwakutumia rasilimali pungufu
• Mkakati wa kutekeleza wazo la biashara
• Rasilimali zilizopo kwa ajili ya ujasiriamali
• Usajili na umiliki wa biashara
• Mahali pa biashara
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Mpango wa biashara
Ufafanuzi, mifano na ushuhuda
• Msisitizo katika biashara
• Kuunda bidhaa
• Kuzalisha bidhaa
• Kufungasha bidhaa
• Kuhifadhi bidhaa
• Upatikanaji wa bidhaa
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Mpango wa biashara
Ufafanuzi, mifano na ushuhuda
• Kupanga bei ya bidhaa au huduma
• Kutangaza au kutambulisha bidhaa au huduma
• Kusambaza bidhaa au huduma
• Kufungua akaunti ya benki
• Kuuza bidhaa
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Mpango wa biashara
Ufafanuzi, mifano na ushuhuda
• Kumbukumbu za bidhaa katika mwaka
• Kumbukumbu za kifedha
• Gharama (Aina za gharama)
• Mtaji / Mkopo katika biashara
• Madeni katika biashara (Madeni mazuri na madenimabaya)
• Mapato /faida (Aina ya mapato/faida)
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Mpango wa biashara
Ufafanuzi, mifano na ushuhuda
• Mtiririko wa fedha
• Maamuzi ya vyanzo na matumizi ya fedha kufuatiamchanganuo wa kumbukumbu na mtiririko wafedha
• Kukuza / kupanua biashara
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Mpango wa biashara
Ufafanuzi, mifano na ushuhuda
• Udhibiti wa biashara
• Viwango
• Mahesabu ya biashara
• Kanuni
• Mikataba/Makubaliano
• Dhamira ya biashara
• Uongozi wa biashara
• Timu ya biashara
• Orodha ya wataalam bingwa wa kila kipengele cha biashara
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Mwendelezo wa biashara
Mjasiriamli huzingatia mwendelezo wa biashara
• Kifedha
• Biashara kujitegemea kifedha
• Kiutawala
• Biashara kuwa na mfumo kamili wa kujiendesha
• Kimazingira
• Biashara isiharibu mazingira au mazingira yasiharibu biashara
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Mwendelezo wa biashara - unaendelea
Mjasiriamali huzingatia mwendelezo wa biashara
• Kijamii
• Biashara kuzingatia haki za kijamii pamoja na kuzingatia haki za wanawake, wazee, watoto, walemavu n.k.
• Ujumbe:
• Mjasiriamali hutayarisha na kutekeleza mpango wa mwendelezo wa biashara anapoanza biashara
• Rejea Mwangozo wa mafunzo
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Muhtasari wa yaliyofundishwa
UFAFANUZI
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