balanced finance of entrepreneurs
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This presentation was used for an meeting with MBA-students of TiasNimbasTRANSCRIPT
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Balanced finance of entrepreneurs
Jan WietsmaMKB-kredietcoach
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Financing
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Current credit services are primarily based on ratings
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The fellow
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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?
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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
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The fellow, what it’s about
• Attention for the personal entrepreneurial skill in a social economic context.
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CreditIndicator (a method)
• A personal SWOT-analyses: the strengths, weaknesses, opportunities and threats to entrepreneurship.
• Scientifically based and validated by practice
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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?
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What is the entrepreneur aiming to achieve?
Casher
Socializer
Constructor
Innovator
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Characteristics of entrepreneurs in good and bad times.
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Casher
In good times• Will-power• Purposeful• Demanding• Determent• Performance-orientated
In bad times• Aggressive• Controlling• Whining• Dominance• Intolerance
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Innovator
In good times• Dynamic• Enthusiastic• Convincing• Optimistic• Expressive
In bad times• Excited• Chaotic• Indiscrete• Show off• Hasty
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Constructor
In good times• Voorzichtig• Nauwkeurig• Analytisch• Gedetailleerd• Objectief
In bad times• Pietluttig• Besluiteloos• Argwanend• Koud• Afstandelijk
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Socializer
In good times• Careful• Relation orientated• Harmonious• Relax• Convivial
In bad times• Passive• Slow• Waiting• Dependent• Rigid
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What is the return of the personal entrepreneurial investment?
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Who is the entrepreneur? (1)
• Intrinsic
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Who is the entrepreneur? (2)
• Which entrepreneurial skill do I posses?
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Who is the entrepreneur? (3)
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What is the personal SWOT?
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What is the personal SWOT?
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The firm
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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
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The funds
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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