Embed Size (px)
DESCRIPTION
This presentation was used for an meeting with MBA-students of TiasNimbas
Citation preview
Balanced finance of entrepreneurs
Jan WietsmaMKB-kredietcoach
Financing
Current credit services are primarily based on ratings
The fellow
The five most important questions about the fellow
• Do I have a clear definition of my entrepreneurial qualities?
• Do I explain on which points I need support from third parties?
• Do I explain the goals I want to reach as an entrepreneur?
• Does my spouse support me in my entrepreneurship?
• Did I clarify why I want to be an entrepreneur?
What is the importance of the fellow?
• In small businesses the role of the fellow as a person takes has big importance :– 40% of all bankrupt entrepreneurs are caused by a lack of
self-knowledge
The fellow, what it’s about
• Attention for the personal entrepreneurial skill in a social economic context.
CreditIndicator (a method)
• A personal SWOT-analyses: the strengths, weaknesses, opportunities and threats to entrepreneurship.
• Scientifically based and validated by practice
Construction in fases
• Part 0: What is the entrepreneur aiming to achieve?• Part 1: What is the return of the personal entrepreneurial
investment?• Part 2: Who is the entrepreneur?• Part 3: What is the personal SWOT-analyses of the
entrepreneur?
What is the entrepreneur aiming to achieve?
Casher
Socializer
Constructor
Innovator
Characteristics of entrepreneurs in good and bad times.
Casher
In good times• Will-power• Purposeful• Demanding• Determent• Performance-orientated
In bad times• Aggressive• Controlling• Whining• Dominance• Intolerance
Innovator
In good times• Dynamic• Enthusiastic• Convincing• Optimistic• Expressive
In bad times• Excited• Chaotic• Indiscrete• Show off• Hasty
Constructor
In good times• Voorzichtig• Nauwkeurig• Analytisch• Gedetailleerd• Objectief
In bad times• Pietluttig• Besluiteloos• Argwanend• Koud• Afstandelijk
Socializer
In good times• Careful• Relation orientated• Harmonious• Relax• Convivial
In bad times• Passive• Slow• Waiting• Dependent• Rigid
What is the return of the personal entrepreneurial investment?
Who is the entrepreneur? (1)
• Intrinsic
Who is the entrepreneur? (2)
• Which entrepreneurial skill do I posses?
Who is the entrepreneur? (3)
What is the personal SWOT?
What is the personal SWOT?
The firm
The five most important questions about the firm
• I have substantiated why my product or service is promising
• I know who my competitors are• I know how I am going to sell my product or
service• I know who my first (potential) customers will
be.• I have added an substantiated revenue budget
The funds
The five most important question about the funds.
• I have added a budget for the upcoming three years
• I don’t underestimate my cost.• I have a monthly cash flow statement for
upcoming year• I have told the bank which insuring I can deliver.• I have stated how much credit I need from the
bank
