Taarf
pakistan min chhotay karobaron ko aksar mali rakauton ka samana karna padta hay jo an ki tarqi or pidari min rakaut banti hen. is ko taslim karte huvay, wazir aala marim nawaz ne “karobar kard” mataarf karaya hay, ek scam jas ka masad chhotay or darmiyane darje ke karobari adaron (SMEs) ko qaabl rasi mali madad faraham karna hay. is aqdam ko karobari afrad ko bikhtyar banane ke liye dezain kiya gaya hay, khaas tur par ghair mahfooz kamuntez min, apane karobar ko sharo karne, phelane or ise barqarar rakhane ke liye.
karobar kard ka masad
karona kard ka baniyadi masad chhotay karobaron ke liye qarzon tak aasan rasi faraham karna hay, jo anhen mali rakauton ke bawajud phalane pholne ka moqa faraham karta hay. ya an karobari malkan ke liye ek amali hal ke tur par kam karta hay jan ke pas rawayati binkon se qarzay haasil karne ke liye zarori zamant yaa karedit hasteri nihen hay. kam sud ki sharah, qaabl rasi wapsi ki sharait, or darkhwast ke aasan amal ki peshkash karte huvay, toqa ki jati hay kah karobar kard aqtasadi tarqi min aham kardar ada kare ga.
karona kard ki khazasiyat
- ahiliyat ka mayar: karobar kard ka masad chhotay karobari malkan ke liye hay, bashmol khurdah, minofectureng, zaraat, or khidmaat ke shabe. ahil hone ke liye, darkhwast dahndgan ko kach mayarat par pora atrne ki zarort hay, jise:
pakistan min register karobar.
aamadani ke mastahkam zaria ka sabot.
ek qaabl amal karobari mansubah.
amar or qaumiyat ke taqazon ko pora karna.
- qarz ki rakham: qarz ki rakham karobar ke sis or mali zaroryat ki baniyad par mukhtalf hoti hay. chhotay karobari adaron ke liye, mazid tarqi yaaftah karobaron ke liye qarzay chand hazar ropay se le kar badi raqum tak ho sakte hen. am tur par, qarz ki rakham ropay se le kar hoti hay. 50,000 se ropay 5 malin, karobar ki nawiat or dairah kar par manehsr hay.
- kam sud ki sharah: karona kard ke sab se ziyadah dalkash pehluon min se ek is ki masabqati sharah sud hay. hakomat ne is parogaram ko fanansing ko sasti banane ke liye dezain kiya hay, jas min tajarti binkon ki janb se pesh kardah sharah sud se namayan tur par kam hay.
- lachakdar adaigi ki sharait: chhotay karobari malkan aksar nakhad bahao ke masile ke sath jadojehad karte hen. karobar kard adaigi ke nazaam alawaqat pesh karta hay jo rawayati qarzon se ziyadah lachakdar hen. qarz ke sis par manehsr hay, qarz line wale ki adaigi ki salahiyat ki baniyad par sah mahi yaa mahana adaigion ke sath, adaigi ki sharait 3 se 5 sal tak badh sakti hen.
- koi zamant ki zarort nihen: bahat se chhotay karobari malkan ke liye qarzon tak rasi min ek aham rakaut zamant ki zarort hay. karona kard parogaram is lahaz se manfard hay kah is min qarz line walon ko kasi qasm ki zamant faraham karne ki zarort nihen hay. is ke bajaye, qarzay karobar ki tarqi ki salahiyat ki baniyad par diye jate hen, jas ki hamayat karobari mansube or kish filo ke jaize se hoti hay.
- khwatin karobariyon ke liye taaaun: karobari duniya min sanafi tanu ki hawasalah afzai ke liye khwatin karobariyon ke liye khdudsi antezamat kiye gaye hen. khwatin karobari malkan misht min apani sharkt ko farog dine ke liye azafi fawaid jise kah sud ki sharah min kami yaa qarz ki baland had se faidah atha sakti hen.
- degetl eplication ka amal: jadid degetl rjahanat ke matabiq, karobar kard min istamal min aasan aan lin darkhwast ka amal shamil hay. karobari malkan ek mukhduds plet farm ke zariye darkhwast de sakte hen, apane karobari mansube jama kar sakte hen, or jasmani dafatr ka durah kiye baghair apane qarz ki darkhwast ki heesiyat ka patah laga sakte hen.
- tarbiyat or maaunt: is aqdam ka masad karobari malkan ko tarbiyat or rahnumi ke parogaramon ke zariye azafi qadar faraham karna bhi hay. ya parogaram karobari afrad ko pidar karobari madl banane, an ki antezami salaheeton ko behtar banane or mali mamilaat ko behtar tariqe se sambhalne min madad karte hen.
karona kard ke liye appli karne ka tariqah
- marhalah 1: ahiliyat ki janch: darkhwast sharo karne se pehle, karobar ko yaqeeni banana chahiye kah wah ahiliyat ke taqazon ko pora karte hen. wah sarkari weeb sit chek kar ke yaa karona kard ki peshkash karne wale maqami dafatr min ja kar esa kar sakte hen.
- marhalah 2: dastavez jama karwain: darkhwast dahndgan ko mukhduds dastavezat jama karane ki zarort hogi, jise:
karobari registration ki tafseelat.
shanakht or qaumiyat ka sabot (masal ke tur par, CNIC yaa pasport).
ek karobari mansubah jas min antrparis ke dairah kar or salahiyat ki tafseel hay.
aamadani ka sabot, agar dastyab ho, yaa mali biyanat.
- marhalah 3: aan lin darkhwast: ahiliyat ki tasadiq hone ke bad, darkhwast dahndgan sarkari karobar kard portal ke zariye aan lin darkhwast ke sath aage badh sakte hen. plet farm ko sarf dost banane ke liye dezain kiya gaya hay or jama karane ke amal min darkhwast guzar ki rahnumi kare ga.
- marhalah 4: karobari tashkhais: jama karane ke bad, maliyati maharin ki ek tim karobari mansubah or degar dastavezat ka jaizah le gi. is qadam min karobar ki kamiyabi or adaigi ki salahiyat ka makmal jaizah lina shamil hay.
- marhalah 5: qarz ki manzuri: agar darkhwast kamiyab ho jati hay, to qarz manzur ho jaye ga, or darkhwast dahndah ko karobar kard male ga, jase wah fands tak rasi ke liye istamal kar sakte hen. qarz ki rakham barah raast karobar ke acount min yaa adaigi ke dosare tariqe ke zariye mantaql ki jaye gi.
- marhalah 6: qarz ki taqsim or adaigi: ek bar fands ki taqsim ke bad, karobari adaron ko laazmi tur par te shdah adaigi ke shedol par amal karna chahiye. adaigi ke akhtyarat ko kampani ki nakhad bahao ki zaroryat ki baniyad par adjust kiya ja sakta hay.
karobar kard ke fawaid
- mali shmoliyat: karobar kard chhotay karobaron ko sarmaye tak rasi ka moqa faraham kar ke mali akharaj ke masle ko hal karta hay jo shaid wah haasil karne min naakam rahe hon.
- aqtasadi tarqi: SMEs ko sport karne se, is parogaram se toqa ki jati hay kah wah antrparinuriship ko farog de kar, rozgar peda kar ke, or pidar karobaron ki taadad min azafah kar ke pakistan ki misht par masbat asar dale ga.
- akhtara ki hawasalah afzai: sasti fanansing tak rasi ke sath, chhotay karobari malkan akhtara min sarmaya kari karne, apane kamon ko jadid banane, or pedawari salahiyat ko behtar banane ke ziyadah amkan ruktey hen.
- karobar min khwatin ke liye taaaun: ya parogaram khwatin karobariyon ko tarjeeh dita hay, sanafi masawat ko farog dita hay or karobari duniya min khwatin ke liye tarqi ke mazid mawaqa peda karta hay.
- kam rakaut tak rasi: aasan darkhwast ka amal or zamant ke taqazon ki kami ise karobariyon ki ek wasi rinj ke liye qaabl rasi banati hay jan ke pas rawayati bink qarzon tak rasi nihen hay.
challenges or khadshat
jabakah karona kard aham fawaid ka wadah karta hay, lican ya challenjon ke baghair nihen hay. kach mamkana khadshat min shamil hen:
qarz ke difalt ka khatrah: ya dekhte huvay kah koi zamanti taqazay nihen hen, qarz ke difalt ka khatrah hay. agar moassir tariqe se antezam na kiya gaya to ya parogaram ki pidari ko mamkana tur par matasar kar sakta hay.
muhadud aagahi: ho sakta hay bahat se chhotay karobari malkan parogaram se waqf na hon yaa anhen degetl eplication ke amal ko nivegate karne min dashwari ka samana ho.
aqtasadi haalat: ek ghair mastahkam aqtasadi mahul min, kam sud wale qarzay bhi karobar ki baqa ko yaqeeni banane ke liye kafi nihen ho sakte, khaas tur par agar karobar ko beroni challenges jise afrat zar yaa sppli chin min rakauton ka samana ho.
natijah
wazir aala marim nawaz ka karona kard ka aqdam pakistan min chhotay karobaron or antrparinuriship ko farog dine ki janb ek jadid qadam hay. zamanti taqazon ke baghair kam sud wale qarzon tak aasan rasi faraham karke, parogaram ka masad aqtasadi tarqi ko farog dina, malazmatin peda karna or maqami karobari afrad ko bikhtyar banana hay. taaham, is ki kamiyabi ka anehsar mosar nafaz, manasab bidari peda karne, or an challenjon se namtine par hoga jan ka chhotay karobaron ko matehrk mashi manazr naame min samana hay.
ya parogaram pakistan ke karobari mahul ko tabadil karne min aham kardar ada kar sakta hay, khaas tur par an karobari afrad ke liye jan ki pehle fanansing tak muhadud rasi thi. jise jise pehl aage badhe gi, misht par is ke asarat ki ngrani karna or is ki tavel madati kamiyabi ko yaqeeni banane ke liye adjustment karna aham hoga.