Since the stipulation had prevented disqualification

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Elemental Crafting: The better the metal, the better the bonus

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روش های تامین منابع مالی

با توجه به فضای کسب و کارهای جدید که در سالهای اخیر رشد شایانی پیدا کرده است و اینکه بسیاری از جوانان علاقمند مشتاق به ایجاد یک کسب و کار و کارآفرینی نوین هستند و از طرفی شاغلین دستگاه های دولتی و نهادهای عمومی که مصمم به تبدیل مشاغل دولتی خود به خصوصی شده اند و از طرفی رونق گرفتن اجرای اصل ۴۴ که بعد از واگذاری با قطع کمک های دولتی با مشکل نقدینگی مواجه شده اند ، مشکل تامین منابع مالی و نیازهای سرمایه ای یکی ازبزرگترین چالشها و شاید مهمترین مانع آنها برای راه اندازی کسب و کارشان است . طبیعتاً برای حل این مسئله یعنی تامین منابع راهکارهای متنوعی وجود دارد و صاحبان صنعت و حرف با توجه به توانایی و شناخت شخصی باید به یکی از این روش ها که در ذیل خواهد آمد رو آورند و اجرایی کردن هر کدام از این این روش بسته به بزرگی و کوچکی کسب و کارهمراه با مدیریت صحیح آغاز شروع یک موفقیت اقتصادی است. اصولاً در تامین منابع مالی برای صنایع و خدمات چهار روش کلی وجود دارد که می­توان با توجه به وضعیت موجود کسب و کار و مالکان آن بشرح زیر به آنها اشاره کرد.

 ۱- روش های مالی غیر قرضی که معمولا با کمترین استقراض مواجه است . این شیوه شامل سرمایه شخصی و دیگری مشارکتی است. کارآفرینان نخستین جایی که به آن اتکا می­کنند ، منابع مالی و دارایی های شخصی خودشان است .این منبع ارزانترین منبع مالی دردسترس است و نیاز به بوراکراسی اداری و سپس بازپرداخت اصل سرمایه و سود آن نیست و مدت برگشت سرمایه بدلیل عدم پرداخت بهره، کوتاه تر خواهد بود. اما در مبحث شراکت می توان سرمایه گذاری خارجی و داخلی و همچنین اوراق مشارکت و بورس را که در حقیقت همه صاحبان اوراق و سرمایه بگونه ای مالکان اصلی کسب و کار هستند و بهره ای از محل سرمایه گذاری خود دریافت نمی کنند را لحاظ نمود. ممکن است در این روش سود سالانه و یا فروش سهام که ارزش افزوده پیدا کرده است باعث افزایش منبع آورده شرکا باشد ولی این از محل معامله سهام است نه بهره سرمایه آورده.

 ۲- روش دوم استقراضی است . از آنجا که کسب و کار در کشور ما صبغه بانک محوری دارد این از متداولترین روش های تامین مالی یشمار می­آید. استقراض می­تواند منبع داخلی و یا خارجی داشته باشد که نمونه های داخلی آن وام های متفاوت و متنوع سیستم بانکداری ، بازار وام با بهره ثابت (اوراق قرضه)، موسسات دولتی و چند جانبه، منابع محلی سرمایه و لیزینگ می­باشد و نمونه خارجی شاخص آن فاینس است که از متداولترین روش تامین مالی از بانک های خارجی است . البته بانک توسعه اسلامی و صندوق ذخیره ارزی را نباید از قلم انداخت.

 ۳- روش بعدی بخشی از کسب و کارها را شامل می شوند که مطابق مقررات و مصلحت های نظام مشمول کمک های رسمی دولت و یا موسسات مالی و عام المنفعه هستند.

 ۴- و بلاخره روش چهارم که مبتنی بر وام های بلاعوض می باشد . این کسب و کارها معمولا خدماتی و رفاهی برای بخشی از نیازمندان کشور است. روش های بالا حسب بزرگی و کوچکی طرح، میزان سرمایه مورد نیاز(ریالی و ارزی) و قس علی هذا مورد استفاده قرار می­گیرند.

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Saucier had won two minor league batting crowns, including a

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