Business- The beginningPosao - početak

Goals for Today/Ciljevi za danas

Understand business /Razumjeti poslovni svijet

Understand where ideas for business come from /Razumjeti odakle dolaze poslovne ideje.

Learn the basics of starting a business /Naučiti osnove pokretanja privatnih poslova.

Write a draft business plan, on your own/ napisati /Napisati nacrt poslovnog plana.

Types of BusinessVrste privatnih poslova

Businesses fall into 3 categories

/Postoje 3 kategorijeServices (Most business start here…) /Usluge –

većina privatnika počinje tako

Product ( Most businesses want to be here) /Proizvodi (Većina želi doći do toga.)

Highly profitable business end up here: /Visoko profitabilne tvrtke dođu do ovdje:

Combination Services and Product /Kombinacija usluga i proizvoda

Ideas for BusinessIdeje za privatne poslove

Business starts with an idea. Ideas for business come from thinking about: /Svaki posao počinje s idejom. Ideje dolaze razmišljanjem o:

Needs /potrebama

Wants /potražnji

Desires /željama

These are the Foundation of a Business. Ideas come from lots of different places…

Ovo su temelji poslovanja. Ideje dolaze s raznih strana.

Service ideas/ Ideje za usluge

• Tutoring /poduke• Day Care /čuvanje djece• Washing Windows/Cars/Specialty Cleaning /pranje

prozora, automobila, posebno čišćenje• Cleaning Homes /čišćenje domova• Delivery Service /usluge dostave• Waste removal /odvoz otpada• Landscaping /uređivanje okoliša• Website design /dizajn web stranica• Telemarketing• Transcriptionist /prijepisi

Product Ideas/Ideje za proizvode

• Bakery /pekara• Agriculture /poljodjelstvo (OPG) • Distribution /distribucija

– Food /hrane – Charcoal /ugljena– Teaching supplies /materijala za podučavanje

• Restaurant /restorani• Souvenirs /suveniri

Combination Service/Product Ideas /Kombinacija usluga i proizvoda

• Tutoring that sells math calculators to children /Poduke uz prodaju kalkulatora

• Bakery that also specializes in catering /Pekara koja je specijalizirana za catering

• Washing (Car, Windows, etc.) that also sells cleaning solution. /Usluge čišćenja uz prodaju sredstava za čišćenje.

• House Cleaning that sells mops, brushes, rags, buckets. /Čišćenje domova uz prodaju krpa, kanti, četki i sl.

Ideas /Ideje

• Look around… /Razgledajte uokolo

• Imagine…/Zamislite…

• See the potential…/Vidite potencijal…

Starting a small business/ Započinjanje malog obrta ili

tvrtke

What is SMALL/ Što je MALO

• Micro /Mikro

• Small /Malo

Why is small business important?Zašto su mali poduzetnici važni?

• In U.S. – more than 22 million small business. /U SAD-u ima više od 22 malih poduzetnika.

• Nearly 50% of all U.S. payrolls. /To čini gotovo 50% ukupnog dohotka u SAD-u.

• Lifeblood of most economies in the capitalist countries. /Oni čine život svake kapitalističke ekonomije.

Start with an IdeaZapočnite s idejom• Research /Istražite.• Develop Business Plan /Razvijete poslovni

plan.– Mission /misija– Goals and Objectives/ Ciljevi i smjernice– Marketing Plan /marketinški plan– Employees and Management /zaposlenici i

uprava– Financial Plan /financijski plan

Idea – House CleaningIdeja – Čišćenje domova

• RESEARCH??? /ISTRAŽITI???– What are we looking for?/Što tražimo?

Research /Istražite

• Economic /ekonomske uvjete

• Demographic /demografske uvjete

• Competitive /konkurentnost

• Market /tržište

Write a Business PlanNapišite poslovni plan

• Formal Business Description /Formalni opis posla

• Mission Statement /misijska izjava

• Goals and Objectives /ciljevi i smjernice

• Marketing Plan /marketinški plan

• Employees & Managing /zaposlenici i upravljanje

• Financial Plan /financijski plan

Description vs Mission StatementOpis naspram misijske izjave

• Business Description /opis posla– A house cleaning service. /Servis za čišćenje

kuća.

• Mission Statement /Misijska izjava– Provide immaculate cleaning services for

double income couples who don’t have time to maintain their homes. /Pružiti besprijekornu uslugu čišćenja parovima s dvije plaće koji nemaju vremena održavati svoj dom.

Objectives vs Goals Smjernice naspram ciljeva

• Objectives /Smjernice– Improve homes appearance and cleanliness/

Poboljšati izgled i čistoću doma.– Relieve burden of household cleaning duties /Osloboditi tereta kućanskih poslova

• Goals/Ciljevi– Clean 10 homes first month /Očistiti 10 domova

prvog mjeseca.– 3 home cleaning jobs per day after 6 months– 3 kućanstva dnevno nakon 6 mjeseci

• Goals must be measurable /ciljevi moraju biti mjerljivi

Marketing Plan /Marketinški plan

• Who are your customers /Tko su vaše mušterije?• How will you make your product /service known

to them /Kako ćete im donijeti svoju uslugu ili proizvod?

• Competition – who are they and how are you better /Konkurencija – tko su i što čine bolje?– Differentiation by price, quality, service…

/Razlikom u cijeni, kvaliteti, usluzi…• Distribution Channels /Načini distribucije• Trends /Trendovi

Employees and Management/Zaposlenici i uprava

• What makes a good employee /Što čini dobrog zaposlenika?

• Avoiding Problems /Izbjegavanje problema

• Employ Fair Values /Budite pravedni. – Fair wage /Pravednost u plaćanju.– Fair treatment /Pravedan tretman.– Equal Opportunity /Jednake mogućnosti.– Safety /Sigurnost.

Financial Plan/Financijski plan

• Start up Costs (Capital Requirement) /Početni troškovi (potreba za kapitalom)

• Cash Flow Analysis /Analiza protoka novca

• Operating Budget /operativni proračun

• Break Even Analysis /analiza točke pokrića

• TAXES /POREZI

Capital Requirements/Potrebe za kapitalom

What happens if you start a business and you have a loss for the first few months?/

Što će se dogoditi ako započnete posao i prvih nekoliko mjeseci bilježite gubitak?You need to “fund” this loss /Morate nadoknaditi gubitak- Through Savings /iz ušteđevine- Through Investors /kroz investicije

- Payback? /Vraćanje?- Through Debt /kroz dugovanje (kredit)

Cash Flow AnalysisAnaliza protoka novca

CASH FLOW ANALYSIS

Units Sold Gross Units Sold Gross Units Sold Gross Units Sold GrossMonth 1 Revenue Month 2 Revenue Month 3 Revenue Month 4 Revenue

Product A Cost per Unit =

Gross Revenue

Example for Home Cleaning CASH FLOW ANALYSIS

Home Gross Home Gross Homes Gross Homes GrossMonth 1 Revenue Month 2 Revenue Month 3 Revenue Month 4 Revenue

1 home Revenue per = 10 400,000 20 800,000 30 1,200,000 40 1,600,000500 Sq Meters

Gross Revenue 12,000 24,000 36,000 48,000

Operating BudgetOperativni proračun

OPERATING BUDGET

Expense Month 1 Month 2 Month 3 Month 4 Month 5 Month 6

Cost of Product Sold

Cleaning Supplies

Labor

Loan Repayment

Other Expenses

Other Expenses

Other Expenses

TOTAL EXPENSES

House Cleaning Example

OPERATING BUDGET

Expense Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 TOTALS

Cleaning Supplies 100000 50000 50000 50000 50000 50000 400000Labor 200000 200000 600000Fuel Costs 50000 50000 50000 50000 50000 50000 350000Advertising 20000 20000 20000 20000 20000 20000 140000Mobile Phone 30000 6000 6000 6000 6000 6000 66000Taxes 50000 50000 50000 50000 50000 50000 350000Business License 100000 100000Other Expenses 50000 50000 50000 50000 50000 50000 350000 TOTAL EXPENSES400000 226000 226000 226000 426000 426000 2356000

BREAK EVEN ANALYSISANALIZA ???

FROM YOUR BUDGET REPORT ENTER:/ IZ VAŠEG PRORAČUNAFIXED COSTS = /FIKSNI TROŠKOVI _______ knVARIABLE COSTS = _______ kn/VARIJABILNI TROŠKOVIA) Total Cost PER Home = _______ kn po domaćinstvuA) /Ukupni trošak po kućanstvu B) Price charged per home = _______ kn po domaćinstvuB) Cijena po kućanstvu _______TARGET PROFIT (6 MONTHS) = _______ kn (cilj)(B – A = PROFIT) CILJANI PROFIT U 6 MJESECI (B-A = PROFIT)Projected net loss without any profit goal for 6 months = (______) Projicirani gubitak ako u 6 mjeseci nema profita =In this scenario - either needs to lower costs or raise prices to break

even. /U ovom slučaju potrebno je smanjiti troškove ili povećati cijene.

Summary /Sažetak

• Research /Istraživanje

• Plan!/Plan!– Mission/ Misija– Goals and Objectives /Odrednice

i ciljevi– Marketing Plan /Marketinški plan– Financial Plan /Financijski plan

• Success! /Uspjeh!