{"id":17762,"date":"2022-07-12T11:43:29","date_gmt":"2022-07-12T11:43:29","guid":{"rendered":"https:\/\/www.factris.com\/?p=17762"},"modified":"2024-04-16T08:12:44","modified_gmt":"2024-04-16T08:12:44","slug":"edmundas-volskis-kaip-verslui-isgyventi-krize","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/edmundas-volskis-kaip-verslui-isgyventi-krize\/","title":{"rendered":"Edmundas Volskis. Konkret\u016bs \u017eingsniai: kaip verslui i\u0161gyventi krizei u\u017egriuvus?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”21px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”#||divi||400″ button_icon_placement=”left” button_on_hover=”off” global_colors_info=”{}” button_text_color__hover_enabled=”off|hover” custom_padding__hover_enabled=”off|desktop” custom_padding__hover=”|||59px|false|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” max_width=”700px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” header_line_height=”1.4em” header_2_font=”|700|||||||” header_2_text_color=”#000a54″ header_2_line_height=”1.3em” header_3_font=”|700|||||||” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_font=”|700|||||||” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px” hover_enabled=”0″ global_colors_info=”{}” header_2_font_size=”27px” sticky_enabled=”0″]<\/p>\n

Nema\u017eai daliai \u012fmoni\u0173 vadov\u0173 ir savinink\u0173 ekonominiai sukr\u0117timai, u\u017egriuv\u0119 per pastaruosius metus Lietuv\u0105 ir pasaul\u012f, yra pirmieji j\u0173 verslo gyvavime. Daugiau kaip de\u0161imtmet\u012f tik augusi ir klest\u0117jusi ekonomika patiria netik\u0117t\u0173 i\u0161\u0161\u016bki\u0173, apie kuriuos daugelis skait\u0117me tik vadov\u0117liuose ir praeities ekonomini\u0173 i\u0161gyvenim\u0173 apra\u0161ymuose.<\/h2>\n

\u0160iandien suvaldyti versl\u0105 tenka realiomis infliacijos ir karo pasekmi\u0173 s\u0105lygomis. K\u0105 ir kaip privalome daryti, kad m\u016bs\u0173 verslas pergyvent\u0173 kriz\u0119 ir jos sukeltus i\u0161\u0161\u016bkius?<\/p>\n

Per kelet\u0105 paskutini\u0173 met\u0173 verslai susid\u016br\u0117 su daugybe i\u0161\u0161\u016bki\u0173: d\u0117l COVID-19 pandemijos taikytais apribojimais, sutr\u016bkin\u0117jusiomis tiekimo grandin\u0117mis, svariomis valstybi\u0173 pastangomis pad\u0117ti verslams didel\u0117mis pinig\u0173 injekcijomis. Visa tai paskatino infliacijos \u0161uol\u012f, o karas Ukrainoje dar labiau prisid\u0117jo prie \u012ftampos tiekimo grandyse (ypa\u010d \u017ealiav\u0173) ir augan\u010di\u0173 kain\u0173. Nors verslininkai jau kelet\u0105 met\u0173 susiduria su daugybe nauj\u0173 i\u0161\u0161\u016bki\u0173, bet kai kuriuos darbus d\u0117l verslo ateities galima padaryti ir \u0161iandien.<\/p>\n

Pirma u\u017eduotis \u2013 analizuoti pinig\u0173 srautus<\/h2>\n

Pirmiausia \u012fmonei labai svarbu nepritr\u016bkti l\u0117\u0161\u0173 veiklai vykdyti. Tod\u0117l patariama steb\u0117ti savo \u012fmon\u0117s pinig\u0173 sraut\u0105. Paprastai tariant, \u012fmon\u0117s pajamos turi b\u016bti didesn\u0117s nei i\u0161laidos ir jos turi b\u016bti gaunamos per kuo trumpesn\u012f laik\u0105. Ta\u010diau neapibr\u0117\u017etose ekonomin\u0117se situacijose, kokias i\u0161gyvename \u0161iomis dienomis, \u012fmon\u0117 visada turi b\u016bti pasiruo\u0161usi bent kelis scenarijus, kaip finansuot\u0173 savo veikl\u0105, jei pinig\u0173 srautas tapt\u0173 neigiamas, t. y. i\u0161laidos vir\u0161yt\u0173 pajams.<\/p>\n

Vienas i\u0161 sprendim\u0173 \u2013 \u012fmon\u0117s akcininkai turi b\u016bti pasiruo\u0161\u0119 asmenini\u0173 l\u0117\u0161\u0173 papildomiems \u012fna\u0161ams. Jei j\u0173 n\u0117ra, \u012fmon\u0117 tampa priklausoma nuo i\u0161orinio skolinimosi. Beje, sukaupta darbo patirtis finans\u0173 institucijose rodo, kad net ir turint teigiam\u0105 pinig\u0173 sraut\u0105 bei \u0161iandien nesant poreikiui skolintis l\u0117\u0161\u0173 i\u0161 finansini\u0173 institucij\u0173, patartina susitarti su i\u0161oriniais kreditoriais, kokiomis formomis ir apimtimis b\u016bt\u0173 galima finansuoti galimus \u012fmon\u0117s poreikius. Praktika patvirtina, kad turint tok\u012f susitarim\u0105, kai i\u0161kyla poreikis skubiai finansuoti versl\u0105, sprendimai randami \u017eymiai grei\u010diau ir jie b\u016bna gerokai efektyvesni.<\/p>\n

Kita u\u017eduotis \u2013 tinkamai valdyti apyvartin\u012f kapital\u0105<\/h2>\n

Tinkamai valdyti apyvartin\u012f kapital\u0105 \u012fmonei visada svarbu, bet ekonomini\u0173 i\u0161\u0161\u016bki\u0173 laikotarpiu tai ypa\u010d aktualu, nes nuo (ne)tinkam\u0173 sprendim\u0173 gali priklausyti \u012fmon\u0117s likimas.<\/p>\n

Pirma atkreipkite d\u0117mes\u012f \u012f atsargas. \u012emon\u0117 turi numatyti optimal\u0173 atsarg\u0173 lyg\u012f, kad nesusidaryt\u0173 perteklinis atsarg\u0173 kiekis, kur\u012f sunku realizuoti. Per didelis atsarg\u0173 balansas neigiamai veikia pinig\u0173 sraut\u0105. Ta\u010diau tinkamai nesuplanavus produkcijos gali b\u016bti susikurta ir kita problema \u2013 atsarg\u0173 gali b\u016bti per ma\u017eai pilnam u\u017esakym\u0173 poreikiui patenkinti. Tai apriboja pardavimus ir taip pat trikdo pinig\u0173 sraut\u0105.<\/p>\n

Ne ma\u017eiau svarbu atkreipti d\u0117mes\u012f ir \u012f tiek\u0117j\u0173 gamybos bei pristatymo laikus. Gele\u017ein\u0117 taisykl\u0117 \u2013 \u012fmon\u0117 privalo b\u016bti nepriklausoma nuo vieno tiek\u0117jo, kuris da\u017eniausiai turi derybin\u0119 gali\u0105 ir pastato tiek\u0117j\u0105 (ypatingai ma\u017eesn\u012f) \u012f nepalanki\u0105 pozicij\u0105. Rekomenduojama \u012fmon\u0117ms atlikti nuolatin\u0119 inventorizacij\u0105 ir realiai \u012fvertinti atsarg\u0173 lyg\u012f bei tiek\u0117jus.<\/p>\n

Antra \u2013 ekonomini\u0173 i\u0161\u0161\u016bki\u0173 laikotarpiu labai svarbu analizuoti gautinas sumas. B\u016btent tokiais laikais parduodamos prekes ar paslaugas \u012fmon\u0117s susiduria su padid\u0117jusia kredito rizika. Tod\u0117l \u012fmonei rekomenduojama ypa\u010d realisti\u0161kai vertinti pardavim\u0173 apimtis kiekvienam klientui ir jo galimyb\u0119 atsiskaityti u\u017e \u012fsigytas prekes ar paslaugas. Siekiant greitesnio l\u0117\u0161\u0173 gavimo rekomenduojama dirbti su i\u0161ankstiniais apmok\u0117jimais (bent jau daliai s\u0105skaitos) arba trumpesniais s\u0105skaitos apmok\u0117jimo atid\u0117jimo terminais. Patartina nuodugniai \u012fsivertinti savo partnerius, su kuriais dirbate. Patys galite pasitikrinti vie\u0161ai prieinamus duomen\u0173 \u0161altinius, susipa\u017einti su \u012fmon\u0117s finansais, vadovais ir akcininkais, net paklausti, kaip j\u0173 verslo modelis buvo adaptuotas \u012fvykus nenumatytoms aplinkyb\u0117ms rinkoje, kas yra j\u0173 klientai, kokios yra \u012fmon\u0117s ateities perspektyvos, pardavim\u0173 prognoz\u0117s. Tik \u012fvertin\u0119 \u0161iuos aspektus galite tartis d\u0117l apmok\u0117jimo termino atid\u0117jimo. \u0160\u012f darb\u0105 gali atlikti ir kredito institucijos arba alternatyvaus finansavimo bendrov\u0117s.<\/p>\n

\u012emon\u0117ms taip pat rekomenduojama tur\u0117ti skol\u0173 valdymo politik\u0105, bendrauti su skolininkais vos imama v\u0117luoti apmok\u0117ti s\u0105skait\u0105, periodi\u0161kai si\u0173sti priminimus d\u0117l v\u0117luojan\u010dio apmok\u0117jimo, kriti\u0161kai vertinti skolininko komunikacij\u0105. Beje, siekiant i\u0161vengti kliento nemokumo gautinos sumos gali b\u016bti apdraustos.<\/p>\n

Tre\u010dia \u2013 ekonomini\u0173 i\u0161\u0161\u016bki\u0173 metu ne ma\u017eiau svarbu ir jums patiems tinkamai vykdyti \u012fsipareigojimus verslo partneriams. Gresiant patirti ekonomini\u0173 sunkum\u0173 ir siekiant i\u0161vengti nesklandum\u0173 atsiskaitant su tiek\u0117jais, tobulinkite su jais darb\u0105, o esant reikalui \u2013 pra\u0161ykite geresni\u0173 atsiskaitymo s\u0105lyg\u0173. Ypa\u010d didel\u012f d\u0117mes\u012f skirkite savo mok\u0117tinoms sumoms ir finansiniams \u012fsipareigojimams, nev\u0117luokite atsiskaityti, skaidriai ir proaktyviai bendraukite su tiek\u0117ju, kurkite savo \u012fmon\u0117s kaip gero partnerio reputacij\u0105. Tai leis tiek\u0117jams jaustis tvir\u010diau, suteikti ilgesnius s\u0105skait\u0173 apmok\u0117jimo termino atid\u0117jimus, \u012ftraukti j\u016bs\u0173 \u012fmon\u0119 \u012f prioritetini\u0173 partneri\u0173 s\u0105ra\u0161o vir\u0161\u016bn\u0119, pasi\u016blyti geresnes kainas. Visa tai pasitarnaus kuriant patikimo skolininko \u012fvaizd\u012f kreditoriams, kuris ateityje, esant poreikiui, palengvins i\u0161orini\u0173 l\u0117\u0161\u0173 prieinamum\u0105.<\/p>\n

Verslo prognoz\u0117s \u2013 privalomos<\/h2>\n

\u012emon\u0117 visuomet privalo prognozuoti savo verslo ateit\u012f, o tokiais neramiais laikotarpiais \u2013 ir remiantis pa\u010diu blogiausiu scenarijumi. \u012emonei rekomenduojama tur\u0117ti tris ateities scenarijus: optimistin\u012f, realistin\u012f ir pesimistin\u012f.<\/p>\n

Svarbiausia suprasti, kaip \u012fmon\u0117 yra pasiruo\u0161usi veikti pesimistinio scenarijaus atveju. Tuo remiantis b\u016btina atlikti m\u0117nesines plano ir fakto per\u017ei\u016bras, numatyti papildom\u0173 investicij\u0173 poreikio realisti\u0161kum\u0105, \u012fmon\u0117s geb\u0117jim\u0105 vykdyti \u012fsipareigojimus pakitus pal\u016bkan\u0173 normai, prisi\u0117mus papildom\u0173 finansini\u0173 \u012fsipareigojim\u0173 ar pardavimams kritus 50\u201370 proc., i\u0161augus produkcijos savikainai, energetini\u0173 i\u0161tekli\u0173 kainoms, darbuotoj\u0173 darbo u\u017emokes\u010diui ir t. t. Esame didelio neapibr\u0117\u017etumo etape, tod\u0117l reik\u0117t\u0173 kriti\u0161kai \u012fsivertinti papildom\u0173 investicij\u0173 svarb\u0105, per\u017ei\u016br\u0117ti pl\u0117tros planus.<\/p>\n

\u012emon\u0117s, kurios to dar nepadar\u0117, taip pat privalo per\u017ei\u016br\u0117ti savo ka\u0161t\u0173 strukt\u016br\u0105. Jau ekonomikai ruo\u0161iantis galimiems sukr\u0117timams reikia atlikti periodin\u0119 savo \u012fmon\u0117s ka\u0161t\u0173 kontrol\u0119. Ypa\u010d didel\u012f d\u0117mes\u012f patartina skirti neb\u016btiniems, tiesiogiai su vykdoma veikla ar kuriama nauda nesusijusiems pirkimams, per\u017ei\u016br\u0117ti \u012fmon\u0117s did\u017eiausias ka\u0161t\u0173 grupes ir ie\u0161koti sprendim\u0173, kaip kiekvien\u0105 j\u0173 optimizuoti, pvz., dideles elektros s\u0105naudos. Gal vert\u0105 \u012fsigyti saul\u0117s elektrin\u0119 ir pan.?<\/p>\n

Sunkme\u010diu \u012fmon\u0117s ypa\u010d privalo fokusuotis \u012f veiklos efektyvumo didinim\u0105 ir pelningumo auginim\u0105. Tai pasiekiama automatizavus procesus, investavus \u012f technologijas, skaitmeninim\u0105. \u0160ios investicijos kaip taisykl\u0117 didina \u012fmon\u0117s konkurencingum\u0105, gerina pelningum\u0105, pagreitina preki\u0173 ir paslaug\u0173 suteikim\u0105, padeda atsisakyti perteklini\u0173 darbuotoj\u0173 ir, galiausiai, u\u017eimti didesn\u0119 rinkos dal\u012f.<\/p>\n

Net atlik\u0119s visus \u0161iuos veiksmus verslas nesustoja. Jis visuomet privalo sekti rinkos poky\u010dius, analizuoti vartotoj\u0173 l\u016bkes\u010dius, greitai prisitaikyti klientams pasi\u016blant papildom\u0173 naud\u0173, produkt\u0173, paslaug\u0173. Svarbu, kad plan\u0173 prognoz\u0117s b\u016bt\u0173 periodi\u0161kai atnaujinamos ir realisti\u0161kos.<\/p>\n

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Papasakokite savo verslo istorij\u0105<\/h2>\n

Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n

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Nema\u017eai daliai \u012fmoni\u0173 vadov\u0173 ir savinink\u0173 ekonominiai sukr\u0117timai, u\u017egriuv\u0119 per pastaruosius metus Lietuv\u0105 ir pasaul\u012f, yra pirmieji j\u0173 verslo gyvavime. Daugiau kaip de\u0161imtmet\u012f tik augusi ir klest\u0117jusi ekonomika patiria netik\u0117t\u0173 i\u0161\u0161\u016bki\u0173, apie kuriuos daugelis skait\u0117me tik vadov\u0117liuose ir praeities ekonomini\u0173 i\u0161gyvenim\u0173 apra\u0161ymuose. \u0160iandien suvaldyti versl\u0105 tenka realiomis infliacijos ir karo pasekmi\u0173 s\u0105lygomis. K\u0105 ir kaip […]<\/p>\n","protected":false},"author":1,"featured_media":17772,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\n

Advisory board<\/strong><\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

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