Funso: Kupita ndi odziwika predicaments wa siaboma ku Nigeria, mu mzere wanu kafalitsidwe apa [za pansi piramidi (BoP), misika osauka kapena Ponena msika], si nthawi ili gawo kutengera zomwe zikuchitika kwina - kusinthika ntchito zitsanzo kuti zigwirizane ndi lingaliro ili, ngati wotopa? Chonde kukathandiza maphunziro zimene wachidwi wazamalonda ayembekezere - M. Ibrahim
Mu kupitiriza ndi akupangira zimene akufuna payekha gawo ntchito ayenera kutsatira mu chidutswa, amenewa ayenera kuzindikira kuti kupanga malonda dongosolo ntchito kwa kumidzi ndi m'tawuni osauka Nigeria, boma ndi omwe si phindu mabungwe, ziyenera kuyendera kuti Sitikudziŵa, kuti atsogolere.
Aliyense payekha gawo nkhawa padziko akuganizira kulowa pansi piramidi (BoP), misika osauka kapena Ponena msika sayenera kulephera kuzindikira, ndi kuchirikiza, zotsatirazi monga magawo a malonda chitukuko, kuti ntchito bwino mu mtunda: Pezani mpata; kambiranani msika; kuthetsa; kukhala ndi mankhwala; otetezeka ndalama; kuchita zibwenzi; popezera mpata m'deralo maluso; kuyesa lachitsanzo; mumvetse mmene; atengere chitsanzo; zambiri kwanuko; ndi kusamutsa ena mapangidwe.
Mwayi mu BoP msika ali ambiri, and so are the obstacles. It is evident that rural villages and urban slums are challenging environments for doing business. Systems rarely exist for collecting and delivering goods and providing services. Vital market infrastructure is limited or nonexistent. Without working financial systems, the poor inhabit a cash economy. Lack of reliable police and legal systems makes all market actors find it an uphill task or even impossible to enforce contracts. Always bear in mind that business with the poor will not be business as usual. A major obstacle is the lack of information about the poor, such as on goods and services they require; how much is affordable to them, the type of goods they could produce and also services the poor could provide.
Pakuti madera zopinga amene angakumane njira za bizinezi makampani mu BoP, awa mu malingaliro monga ayenera kutipunthwitsa: Limited msika zambiri [mabizinesi osadziwa zambiri zokhudza osauka-otsika ogula 'amakonda, msinkhu wawo affordability, maluso (kwa mankhwala ndi zopereka monga antchito, opanga ndi malonda eni)]; Sizithandiza regulatory mapangidwe (BoP misika zambiri alibe regulatory frameworks amene amalola kuti azigwira ntchito; sanali kukhwimitsa malamulo ndipo zimenezi; ndiye alibe mwayi mwayi ndi protections linapatsa ndi ntchito malamulo);Kuchepa thupi zomangamanga (kupanda misewu yabwino ndiponso zomangamanga choopsa ogwira kayendedwe; madzi, magetsi, ukhondo ndi kutumiza mauthenga Intaneti tilibe nthawi zambiri);Kupanda mokwanira nzeru ndi luso (poor consumers may be ignorant of the use and benefits of certain products, or may lack knowledge on how to use such effectively; poor suppliers, distributors and retailers are likely to also lack same and skills to deliver quality products and services always, promptly and at appropriate pricing); Limited access to financial products and services (due to expected lack of credit, poor producers and consumers are not likely to afford financing investments or make large purchases; inshuwalansi, often being out of reach, the poor can not protect their meager assets and income against contingencies. In the absence of transactional banking services, financing is insecure and expensive).
Unlike what such ventures must have been used to in typical ‘every-day mode’ of operating business concerns, BoP business models thrives on collaboration efforts (with the government and non-profits) for effective proliferation and growth. ndi ichi, markets will incorporate more poor people, create value for all (e.g. profits, increased incomes, and then empowerment of the poor through engagements in vital productive system). This must be without exploiting the poor, but rather bringing such out of poverty to impact on the country’s economy generally.
It is essential for you to always realise that for success in inclusive markets, private sector ventures need to completely re-think and re-design the business model, and not just for product offering. Moreover, there must be elements of a disruptive approach (like, ‘thinking-out-of-the-box’) for BoP friendly business models to be successful. What is required here is a complete shift from traditional ways of thinking about customers, product features and pricing.
If it means Nigerian entrepreneurs becoming “Copy Cats” to adopt BoP (a well known general tendency here), so be it. Businesses here tend to lookout for how lucrative a new business model becomes, to prompt a rush into the same business model immediately after its success – To even ‘out-perform’ the original inventors of the new concept. Now that BoP is fast gaining ground in other parts of the globe, and Nigeria obviously out of the picture, if it requires private sector concerns in Nigeria replicating business models as successfully applicable elsewhere (I am aware that most being applied elsewhere seem quite suitable to the Nigerian environment), I give a ‘thumbs up’ for such a move.
From more than 100 case studies I have access to, interested parties should consider these as insight to areas the “Copy Cat” tendencies could even be directed at, provided it favours the Nigerian poor:
- – A multinational company (MNC), growing businesses for impoverished rural women through retailing of health and hygiene products in India.
- – Treadle pump in Bangladesh, India ndi Nepal, to aid small farmers’ participation in agricultural value chain for increased incomes.
- – Affordable eye-glasses production in India, by a renowned eye care system.
- – A Dutch based MNC’s yoghurt production and sales scheme, pakuti mwana chitukuko, using well-organized network of women in Bangladesh.
- – A leading provider of cement in Sri Lanka, addressing housing needs of the poor.
- – Technology yopanga mphamvu kapamwamba kuchokera Spirulina (buluu wonyezimira algae) mu India.
- – An mayiko a banki kulowetsedwa mu "Susu" microfinance ndi chikhalidwe zosonkhanitsira misonkhano (akupezekanso mwa Nigeria, ndiponso kukhala mabanki anthu osauka) yapafupi Ghana.
- – A wapamwamba-msika unyolo (ndi kufika ku Nigeria) kuchirikiza alimi ang'ono-ang'ono kwa zipatso ndi masamba zosowa. (Zipitilizidwa)
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