Mipymes crean 74% del empleo, pero reciben sólo 15% del crédito

Las micro, pequeñas y medianas empresas (Mipymes) generaron cerca de 74 por ciento del empleo en el país en 2012 y sólo recibieron 15 por ciento del total de los créditos, situación por la cual la mayoría se financia a través de canales informales, señaló la Secretaría de Hacienda y Crédito Público (SHCP).

Ante esta situación, refiere, el gobierno de la República presentó el pasado 8 de mayo la iniciativa de reforma financiera que comprende cuatro ejes rectores para transformar a la banca y el crédito en palancas de desarrollo de hogares y empresas para lograr un mayor crecimiento económico, empleo y competitividad.

La iniciativa en su primer eje rector busca relanzar a la banca de desarrollo para convertirla en una fuente de acceso al crédito y a los servicios financieros de áreas prioritarias, entre las que se encuentran las Mipymes.

En el Informe Semanal de su Vocería, la dependencia federal resalta que las Mipymes constituyen la columna vertebral de la economía nacional por su alto impacto en la generación de empleos y en la producción nacional.

De acuerdo con datos del Instituto Nacional de Estadística y Geografía (INEGI), en México existen más de cuatro millones de unidades empresariales, de las cuales 99.8 por ciento son Mipymes y éstas generan 52 por ciento del Producto Interno Bruto (PIB).

http://www.elfinanciero.com.mx/component/content/article/44-economia/15299-mipymes-crean-74-del-empleo-pero-reciben-solo-15-del-credito.html

why your business should subscribe to Bargain Barter

There are a number of reasons why your business should subscribe to Bargain Barter so let’s have a look at some of them: - advertising@bargainbarter.com

1. New customers

Bargain Barter intends to become the first name a business thinks of when it comes to swapping their goods or services.  To achieve this, we are keen to enter into mutually beneficial partnerships with as many businesses as possible leading up to our launch.

It is good for your business because it creates a new trading opportunity with businesses that you are unlikely to have come across in the past. It enables you to swap some of your goods and services for other businesses’ goods and services without any cash changing hands. Furthermore, our swapping service is free of charge.

You will also be pleased to hear that we spend a considerable amount of money on advertising the service Bargain Barter provides resulting in new businesses joining us on a daily basis. This leads to an increase in swapping opportunities for you.

For those business customers that regularly post offers they will benefit by being prominently listed in our main website free of charge and can also have a banner advertising their business. Please e-mail us for further details.

Swapping is undoubtedly the most progressive way to conduct business but, although you may enter into a swapping deal, it may also lead to more conventional cash based trading arrangements with that same customer in the future thus increasing turnover and profits.

2. Cash flow unaffected

Swapping enables you to obtain new goods or services for free without any cash changing hands between the parties involved. Therefore, your business’s cash flow is unaffected and you do not have to waste your valuable time chasing debtors enabling you to concentrate on growing your business.

This makes swapping particularly attractive to new business start ups whose finances are often tight in the first few months of trading.

3. Dispose of unwanted stock

It is a great way to swap unwanted items of stock that have been taking up valuable space for some considerable time for stock that is more appropriate to the activities of your business. You will then be able to trade the new, replacement stock thus generating additional income for your business.  

4. Free to join

It costs you absolutely nothing to become a member of Bargain Barter and, we are sure you will agree, that, in itself, is a rarity these days. Also, because you are busy trying to run your own business, we keep form filling to a minimum so the simple joining process can be completed in a few short minutes.

5. Bartering established for centuries and growing

Bartering has been around for centuries and has grown rapidly to a point where about $12 billion worth of goods and services were bartered in 2011 with about 400,000 businesses participating. That gives you an indication of the size of this marketplace and it is forecast to grow by 5% to 10% per annum.

With difficult trading conditions out their at the moment, surely you would welcome the opportunity to be a part of this growing sector? 

6. Obtain the best deal

You may have several businesses entering into a “bidding war” to barter for your goods and services which will allow you to obtain the best goods or service in return.

7. Simple process

You will be pleasantly surprised just how quick and simple we have made the swapping process.

8. The way forward

Bargain Barter is particularly keen to build effective working relationships with small and medium size businesses as we feel this sector will benefit from this new advertising opportunity. Therefore, why not take just a few minutes to complete the online joining process.

If you have any questions you may contact us at advertising@bargainbarter.com.

We look forward to working in partnership with you for many years to come.

Bargain Barter

Sa petite entreprise a connu la crise…

L’intelligence économique, ce sont souvent les chefs d’entreprise qui en parlent le mieux !

Tel est le cas de Nicolas Doucerain, entrepreneur autodidacte et auteur du best-seller « Ma petite entreprise a connu la crise » (François Bourin Editeur, 2012). Dans cet ouvrage, il raconte la plongée dans la crise de son cabinet de recrutement. Un véritable roman qui se termine fort heureusement par le redressement de sa petite entreprise et la création d’un cabinet qui accompagne les dirigeants dans la gestion de crise. Et Nicolas Doucerain de citer en introduction ces propos de Kiran Mazumdar-Shaw, la présidente d’une grande entreprise pharmaceutique indienne : « Etre chef d’entreprise, c’est une véritable épreuve de résistance. C’est finir par réussir à force de ne pas abandonner. » Oui mais comment faire ?

Si « bon sens et pragmatisme ont le plus souvent guidé mes actes », explique Nicolas Doucerain, « ce sont surtout les conseils avisés de proches, de professionnels du droit, d’experts de la gestion de crise, qui m’ont permis de maîtriser rapidement les gestes qui sauvent. J’ai ainsi pu me familiariser avec un ensemble de bonnes pratiques, et les mettre en application : c’est grâce à elle que mon entreprise est parvenue à se redresser à temps. »

Voici une sélection de conseils issus d’un retour d’expérience de grande valeur et qui pourraient servir à tous ceux qui souhaitent voir les pratiques d’intelligence économique se développer dans leur entreprise.

Mettre en oeuvre une veille intelligente
Savoir diagnostiquer la crise, tout d’abord, implique, selon le chef d’entreprise, de mettre en œuvre une veille intelligente, à savoir : porter son attention sur quelques indicateurs clés, les suivre finement et régulièrement, interpréter avec justesse leurs variations ; au niveau managérial, rester attentif « à ces petits riens qui en disent souvent beaucoup sur le moral des équipes » ; interpréter les indicateurs à lumière de l’environnement économique de l’entreprise afin de déterminer si les variations d’activité sont imputables à des facteurs endogènes ou exogènes ; enfin ne pas hésiter à sonner l’« Alerte rouge ! ».

Et Nicolas Doucerain d’insister : « Rencontrer des difficultés ne constitue pas une crise en soi. La crise intervient lorsque l’usage des instruments habituels de gestion et de management ne suffit plus à corriger des fluctuations significatives d’activité. Le suivi de quelques indicateurs ciblés permet d’identifier l’apparition d’un contexte de crise. » Autrement dit, ce ne sont pas les signaux qui sont faibles mais plutôt l’intelligence…

Ensuite, et même si c’est dans la tempête qu’on voit le marin, il est essentiel pour le capitaine de savoir s’entourer tant « Le fantasme de l’omniscience et de l’omnipotence du dirigeant fait obstacle à une gestion de crise performante. » En d’autres termes, si la compétence est individuelle, l’intelligence est collective. D’autant qu’il faudra nécessairement décider dans l’urgence car « en période de crise, prévient Nicolas Doucerain, l’action tient souvent lieu de réflexion. 

Etre sûr du bien-fondé de ses décisions
Pour agir avec le plus de discernement possible, il est vain d’attendre d’être sûr du bien-fondé de sa décision. Mieux vaut agir avec résolution en poursuivant des buts pragmatiques. Pour autant, indécision et précipitation étant tout aussi néfastes à l’action efficiente, il est impératif de savoir s’octroyer des temps d’analyse et de méditation : passer quelques heures en fructueuses réflexions pour gagner plusieurs semaines d’action efficace, l’équation est sans appel. » Ô temps, suspend ton vol…

Mais qui pourrait me renseigner ? se demande alors le chef d’entreprise. Conseil de notre entrepreneur : « S’appuyer sur les conseils d’experts, internes comme externes, est autant une marque d’humilité qu’un gage de responsabilité. Aucun chef d’entreprise ne peut en effet prétendre maîtriser l’intégralité des informations requises pour prendre la bonne mesure au bon moment. Solliciter l’avis d’experts pour maîtriser soi-même l’information : le discernement dans l’action est à ce prix. »

Attention, empathie, communication, réseaux d’experts, renseignement, analyse et décision. On vous l’avait bien dit : L’intelligence économique, ce sont les chefs d’entreprise qui en parlent le mieux !

NICOLAS MOINET

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What are the benefits of bartering to your business?

The conventional way for many a business to trade is that you win a contract to do some work for a customer, buy the necessary stock and materials to do the job, complete the work and then deliver the finished product. Then, you can end up waiting a long time before your customer settles the invoice – sometimes as long as 3 months.

If cash flow is tight, which it is for many businesses especially in the current economic climate, the delay in being paid can be problematic. It is particularly relevant to many new business start-ups as they have to plough so much of their financial resources into setting up the business that involves buying such things as machinery and stock resulting in there not being a huge amount of liquid funds available. For many a business, they become dependant upon utilising an overdraft facility but that has the negative effect of reducing their net profit as they will be paying bank interest and fees.

Well, there is an alternative and that is called bartering or it is also known as swapping. Bartering has been taking place for hundreds of years. In fact in 2011 over 400,000 businesses around the world took part in swapping with $12 billion ‘s worth of goods and services exchanging hands.

So, how does a business participate in bartering? There are two main ways: -

Firstly, by exchanging goods. For instance, your business may own a piece of machinery that is being replaced for a newer model. You are aware of another business that does the same kind of work as you but you know would benefit from the piece of machinery that you are getting rid of. That business may have a computer system that they are replacing with a new one and, because your computer system is older than the one they are dispensing with, you would benefit by using their old one. The solution is simple – you swap your old piece of machinery for their old computer system with no money exchanging hands.

Secondly, by exchanging services. For example, you may be a plumber and a friend of yours is a tiler. You are both upgrading your bathrooms so you agree to do the plumbing work on his bathroom and he agrees to do the tiling in your bathroom with no funds changing hands. 

In both these examples, as no funds have passed between any of the parties, cash flow liquidity is maintained and indeed, possibly, improved. This means that the cash that was not used to buy the goods or services could be used for another purpose such as buying further stock to enable the business to complete additional orders this increasing profitability.

It is also an excellent way of disposing of out dated stock and machinery that may have cost a significant sum to have removed from your business premises and disposed of.  

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The future of bartering !

Bartering has been around for centuries in some form or other with both individuals and businesses swapping items and services. But, what does the future hold for bartering especially for small and medium sized businesses (SMB)?

Well, in 2011 services and goods to the value of $12 billion were exchanged without any cash passing between the businesses involved. It is believed that more than 400,000 businesses around the world decided that they had something to swap and conducted business in this way. Whilst no figures are yet available for 2012, it is estimated that the volume of swapping was forecast to increase by anything between 5% and 10%.

It is the word “cash” that has been referred to above that is of particular relevance. This is because, in the current global economy with some countries going into and out of recession, it is the ability to raise cash to buy goods and services that is a problem for many small and medium size businesses. The problem is especially prevalent with new business start-ups.

Yes, when a new business sets out on its journey to eventually become a multi-national cash rich corporate entity there are so many things that can get in the way, not least of which is cash flow. It is difficult enough for a new business to win customers but it can be even harder to get those customers to pay their invoice on time. It becomes a vicious circle- if you can’t get your debtor monies in how can you take on more work if you have no funds available to pay for stock etc.

Herein lies one of the major benefits of bartering because no cash ever changes hands when your business swaps something. This means that any cash that the new business had intended to set aside to buy such things as office furniture, computer, photocopier, machinery and advertising to name but a few can be used to take on further work that you are paid in cash for.

Another benefit to your business of bartering is that it opens the door to more new customers that you may not have come across in the normal way of trading.  Some of these customers may wish to exchange goods by way of swapping but some will undoubtedly wish to conduct business in cash thus enabling you to further increase your bank balance.

Another consideration is that a new business would often require an overdraft facility to assist with cash flow on which interest and arrangement fees are required. By bartering goods and services, this may result in a reduced borrowing requirement thus containing the expenses of the business.

So, the future of bartering does look healthy and, especially with world economies in the state they are in, it is almost certainly going to continue to expand for the foreseeable future. As an ever-increasing number of businesses join the bartering community this will create further opportunities.

Globally, there are over 500,000 business trade exchange members. Thirty three per cent of small businesses in the United States of America enjoy the benefits of bartering.  Are you going to be the next new business that starts to dabble in swapping goods or services?

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