Ukungaguquguquki kunye nokunyamezela emsebenzini wakho kuthathwa njengophawu lwempumelelo.
Ngelixa kwabanye, ngokuqhelekileyo ichazwa njengendlela yempumelelo kunye nokuphoxeka, kodwa kuRadhakishan Damani, yahlukile.
UMnu. Damani wafumana ilahleko kumalinge akhe amaninzi. Sekunjalo, wafunda kubo waza walitshintsha iqhinga lakhe ukuze ancede yena. Ukuba ngumkhi-mkhanyo onobuchule kunye nomphulaphuli kulo lonke uhambo lwakhe lonyuse izinga lakhe njengosomashishini kunye nomtyali-mali.
Malunga no-RK Damani
URadhakrishnan Damani wazalelwa kwintsapho yakwaMarwari, elinye lamaqela anamandla ezoqoqosho eIndiya. Ushiye ikholeji kwangoko kwaye waqala ukusebenza njengomthengisi wempahla esemncinci kwisitalato iDalal.
Nangona kunjalo, ngokukhawuleza waqala ukuthenga amasheya emva kokuqonda ukuba kufuneka aqale ukutshala imali ukuze enze imali yangempela. Kungekudala, ngoncedo lwezicwangciso zakhe zokurhweba kunye notyalo-mali kwii-multi-bagger stocks, waqala ukuguqula utyalo-mali lwakhe lube yinzuzo.
Ukutyala imali kwifilosofi kaRK Damani
UDamani waba ngoyena mnini sabelo mkhulu xa iBhanki yeHDFC yaphuma esidlangalaleni ngo-1995.
"Awunakuhlala kwindlela yasePeddar (enye yezona ndawo zixabisekileyo zaseMumbai) kwiindleko zeDharavi (eyona ndawo intle yaseMumbai)," watsho ephendula umbuzo wokuba kutheni etyale imali apha xa wayenolunye ukhetho olufumanekayo kumaxabiso aphantsi.
Kwipotfoliyo kaDamani, iHDFC ekugqibeleni yaphakama yaya phezulu kwi-multibagger stocks.
Wayehlala egcina uHarshad Mehta njengomthengisi, ehlala engqiyame kwicala le-bearish. Xa uHarshad wayezama ukudlala nemarike, uDamani wayedla ngokubheja kwicala elichasayo. Ekugqibeleni, xa i-Harshad Mehta Scam yafunyanwa ngo-1992, intengiso yehla, kwaye uDamani wenza inzuzo enkulu.
Kwiminyaka yakhe yama-20, wayesengumfundi oqalayo kwishishini lokurhweba, ngoko ke kunokuba enze urhwebo, wakhetha ukufunda. imakethi yesitokhwe izicwangciso eziqikelelwayo.
Wabhalisa kunye ne-SEBI kwiminyaka eyi-32 kwaye wenza utyalo-mali lwakhe lokuqala. Ngenxa yempumelelo yakhe yorhwebo, waqonda ngokukhawuleza ukuba unokwenza imali ngokutyala imali kwii-MNCs. Nangona kunjalo, wayengasoloko ephumelela kwaye wafumana ilahleko ethile endleleni. Kodwa naye wakhula ngenxa yabo.
Ukukhula, ukuhamba kwemali, kunye nokuqikelelwa kwenkampani kwavavanywa yi-RD usebenzisa i-avatar yakhe ye-bullish.
Intetho yakhe ethi, "Yonke into endiyifundileyo ebomini kukutyala imali," isinika umbono olungileyo woko.
Wafumana i-5,000-square-square-foot-foot-Apna Bazaar franchise e-Nerul kunye nenye e-Navi Mumbai ngo-1999, xa ukuthengisa kwakuselihlabathi elincinci e-India, kunye ne-Damodar Mall. I-Apna Bazaar yasekwa kwaye yathathwa yi-D-Mart kwiminyaka emibini kamva.
Ukusuka kuTyalo-mali ukuya kwishishini lokwakha
Emva kokutshintsha indlela asebenza ngayo, wasuka ekubeni ngumtyali-mali waya ekubeni ngumthengisi.
Nangona kunjalo, akazange anyathele kwindlela eqhelekileyo!
Endaweni yoko, ugxile kakhulu ekuvuleni iivenkile ezikufutshane nemizi yabantu kunokuvula iivenkile kwiindawo zokuthenga. Wazama ukubonelela ngexabiso lemali ngelixa esanelisa uninzi lweemfuno zabathengi bemihla ngemihla.
I-D-Mart inesicwangciso seshishini esithe ngqo:
- Bahlawula ngaphantsi kweemveliso ngokuzithenga ngobuninzi baze banikele okufanayo ngemali encinane ngaphandle kokucutha.
- Njengomtyali-mali onamava, uDamani wayeyiqonda ngokucokisekileyo imarike, nto leyo eyamenza ukuba agcine iimvakalelo zabatyali-mali malunga nenkampani inethemba. Eyona nto wayenayo yayiyindlela awayesebenzisana ngayo nabathengisi.
Ngokomzekelo, i-D-Mart iguqule ishedyuli yentlawulo ye-FMCG yeshishini, eyayiyi-12 kwiintsuku ze-21, ukuze intlawulo yenziwe kumthengisi ngosuku lwe-11. Oku kwaqinisekisa imiqathango emihle yokuhlawula.
Malunga notyalo-mali lwakhe
Olunye utyalo-mali lwakhe olubalulekileyo yi-3M India, GE Capital Transportation Industries, VST Industries, BF Utilities, Sundaram Finance, Mangalam Organics, Spencers Retail, CRISIL, Simplex Infrastructure kunye ne-ICRA, phakathi kwabanye.
Ngaphandle koko, uRadhakishan Damani utyale imali okokuqala kwiinkampani zokhuselo, ezibandakanya i-Astra Microwave Products, iKalyani Group inkampani yeBF Utilities, ene-1.3 yepesenti yesiteyiki, kunye neMangalam Organics, ene-2.17 yepesenti, yonke le kota iphele ngo. NgoJuni 2020.
Ukwandisa ubutyebi bakhe, wenza izigqibo ezisekelwe kwimeko yemarike. Wakhula kancinci waba ngumtyali-mali wexesha elide kwaye wajolisa uninzi lotyalo-mali lwakhe kwiinkampani ezineziseko eziqinileyo.
Ngaphaya koko, wabambelela kwifilosofi yokuthenga izabelo zamashishini ezingenanzala emisiweyo ezikumgangatho ophezulu ngamaxabiso e-bargain kwaye azigcine iminyaka emihlanu ukuya kwelishumi, ngaloo ndlela ethatha ithuba lamathuba emarike ukwenza inzuzo enkulu.
Rakesh Jhunjhunwala ingeniso eyenziweyo kusetyenziswa iqhinga elifanayo lokuthengisa ixesha elifutshane.
UDamani wayebaxabisile abathengi bakhe, ababoneleli bakhe kunye namaqabane akhe kwezoshishino. Amashishini akhe eDMart abambelela kumgaqo ofanayo kwaye agxile ekuboneleleni ngeempahla ezingabizi kakhulu ngamaxabiso anomtsalane.
Ukuze aqinisekise ukuba ufumana izinto eziyimfuneko ngexabiso eliphantsi aze azithengise ngexabiso elithotyiweyo, ukhetha ukuhlawula ababoneleli bakhe kunye nabarhwebi bakhe ngosuku nje kwiimeko ezininzi. Isibakala sokuba iivenkile zakhe azize ziphelelwe yimpahla yinto nje enye.
Ngaphandle koko, wakhetha ukubukela nje kwaye ajonge abanye abathathi-nxaxheba bezentengiso kwiminyaka yakhe yokuqala kwaye afunde kubo. UManu Manek, oyena mthathi-nxaxheba wemarike osebenzayo ngoko, wasebenzisa izicwangciso ezithile ze-stock market kwaye waqonda inkqubo yakhe yokutyala imali.
Xa i-stock market yomtyalo-mali owaziwayo u-Harshad Mehta yayisetyenziswa kwiminyaka yoo-1990, wafumana imali ngo. ukuthengisa okufutshane, ukuthengisa kuqala, nokuthenga emva koko.
UDamani wayekwazi ukuyibona isantya semarike kwaye enze izigqibo ngokuhambelana nayo. Waqala ukuthengisa okufutshane emva kokuba uHarshad Mehta etyale imali yebhanki kakhulu ekuthengeni isitokhwe kwaye wenyusa ixabiso labo.
UMehta uthenge isitokhwe se-ACC, esiye sanyuka ukusuka kwi-200 ukuya kwi-9000, kodwa iziseko zenkampani azizange zixhase ukunyuka. Njengoko amaxabiso entengiso ayenyuka ngoko, uDamani naye wafumana ilahleko embalwa.
Nangona kunjalo, waqala ukuthengisa okufutshane ezo zitokhwe ezithile apho uHarshad Mehta wayesenza utyalo-mali olubalulekileyo emva kokuqonda ukuba wayesebenzisa imarike. Wenza oku ekubeni wayesazi ukuba izitokhwe ziya kuncipha. Kwaye xa i-SEBI ityhila i-Harshad Mehta scam ngo-1992, wenza inzuzo ecocekileyo, ngaloo ndlela esonyusa ixabiso lakhe lobuqu.
Ukungena kwiXabiso loTyalo-mali
Emva kweminyaka embalwa yotyalo-mali, uMnumzana Chandra Kant Sampat, umtyalo-mali wexabiso, wamkhuthaza ukuba enze utyalo-mali lwexabiso. I-Sampat yayisele yenze ubutyebi obukhulu ngoncedo lwexabiso lokutyala imali. Ukwenza utyalo-mali lwexesha elide, uDamani emva koko waqala ukuziqhelanisa nokutyala imali.
Ngaphezu koko, wathenga izabelo zamashishini ezingenanzala emisiweyo ezineziseko ezibalaseleyo kumaxabiso aphantsi waza wawagcina ixesha elide ukuze enze inzuzo; imizekelo emibini GATI kunye TCI.
Xa zonke iibhanki ze-PSU ziqhuba kakuhle kwi-1990, watyala imali kwi-HDFC Bank kwi-1995, echaza ukuba "i-Dharavi iya kuhlala i-Dharavi kunye ne-Peddar Road iya kuba yi-Peddar Road, linda nje ubone."
Uthenge izabelo ezininzi zeVST Industries ngeRs. 85 ngo-2000. Namhlanje isitokhwe sixabisa ngaphezu kwe-Rs. 3600. Uye watyala imali kwiBlue Dart, Sundaram Finance, Gillette, India Cement, GATI, kunye nezinye iinkampani ezimbalwa, wafumana umvuzo omkhulu kwisithuba seminyaka emihlanu ukuya kwelishumi.
Utyalo-mali kwiinkampani eziphezulu kwizinga lesaphulelo kunye nokuzigcina ixesha elide kwavumela uMnumzane Damani ukuba enze inzuzo enkulu.
Izifundo zotyalo-mali ezifundwe kwi-RK Damani
Umntu ophumelelayo unokwahlulwa kwisihlwele ngokuceba kwakhe. Abanye oosomashishini abaziwayo kunye nabatyali-mali bathi qatha engqondweni xa sithetha ngeqhinga.
Inkosi yokuthengisa yaseIndiya, uMnumzana Radhakishan Damani, ngumzekelo omnye oye wafumanisa imarike yemasheya kwaye waphakama waba ngusomashishini otyalo-mali wexesha elide.
1 Gcina ugxininiso kwixesha elide
Ixabiso lotyalo-mali ibiyenye yemigaqo yotyalo-mali engundoqo ye-RK Damani. Njengomtyalo-mali, injongo yakhe ephambili yayikukuthenga izabelo ezingenaxabiso kunye nethuba eliqinileyo lokuguqula inzuzo kwixesha elide.
Wagcina ifilosofi efanayo xa waba ngusomashishini.
Nanini na efuna ukuvula ivenkile, wayedla ngokuwuthenga umhlaba endaweni yokuwuqeshisa. I-D-mart ekugqibeleni yenza ukonga ixabiso lokurenta enkosi kuyo.
Ukuze uqonde ilizwe lokurhweba, kufuneka ube nezakhono zohlalutyo eziyimfuneko, ulwazi, kunye nokubona kwangaphambili, njengoDamani. Abarhwebi abaphumeleleyo bahlala bekulungele ukuthatha umngcipheko kunye namava elahleko. Abavele bangxamele kwihlabathi lorhwebo kwaye banethemba lokona kulungileyo.
2 Thatha amanyathelo amancinci ukuyenza ibe Nkulu
UDamani uthathe ixesha lakhe wazivula. Umyalelo wakhe phezu kwekhonkco lokubonelela waphuculwa ngenxa yoko. UDamani wagcina isidima sakhe sobuhlobo kumthengisi kwaye wagxila kwingeniso ngokuyigcina incinci.
Ngenxa yoko, i-D-mart ibenenzuzo minyaka le phantse kumashumi amabini eminyaka isebenza.
3 Umonde
Ukuba ufuna ukwenza into, kufuneka ube nomdla kunye nomonde wokuyilandela.
Wagxininisa kwinkalo yeemvakalelo ethetha ngokubaluleka kokuba nomonde naxa iimeko zingahambi kakuhle.
Xa kuthelekiswa neevenkile ezilawulwa ngu-Ambani kunye no-Biyani, i-D-Mart, eyasungulwa kwiminyaka eyi-16 edlulileyo, ineendawo ze-119 kwiindawo ezimbalwa.
Kodwa kutheni?
UDamani wakhetha isantya sokuphumla, esimvumela ukuba agxininise kwinzuzo kunokukhula ngokukhawuleza. Ngesi sizathu, i-D-Mart ayivalanga ndawo enye ukusukela oko yaqala ukusebenza, kwaye izisa imali eninzi kwindawo nganye kunaye nabani na.
4 Gcina isileyiti esicocekileyo
Ngokungafaniyo namashishini akhe amaninzi, uDamani uhlala ehlawula ababoneleli bakhe ngokupheleleyo, ngokungafaniyo nomgangatho weshishini we-30 ukuya kwiintsuku ze-40 zetyala. Kwiintsuku ezimbini ukuya kwezintathu, udla ngokubahlawula abathengisi bakhe.
Kwamenza waqhelana nabathengisi nabathengisi bakhe waza wagcina ulwalamano olomeleleyo nabo. Yiyo loo nto izitokhwe evenkileni azizange zibe phantsi.
5 Zihoye iimvakalelo zomhlambi
Ekuqaleni wamkela iindlela ezithandwayo zemali xa etyala imali kwiDalal Street. Wavuma ukuba wathi akulahla ithuku lomhlambi waza wanamathela kwicebo lakhe, waqalisa ukuzuza imali.
Ngoko ke, waqala ukugxila ekufumaneni amasheya anenzuzo yexesha elide.
Xa waba ngusomashishini, wabambelela kwindlela efanayo. Ngokungafaniyo nabakhuphisana naye, wanda ngokuthe ngcembe, kwaye iibrendi ezikhoyo kwiindawo zakhe zokuthengisa zilinganiselwe. UDamani wayekuphepha ukuvula iivenkile kwiivenkile ezinkulu, nto leyo eyayimvumela ukuba enze njalo gcina imali eninzi kunye nokubonelela ngempahla ngamaxabiso aphantsi.
6 Bamba umdla wasekuhlaleni
UDamani wakha uluhlu oluthembekileyo lwabasasazi kunye nabathengisi.
Indlela yakhe yokusebenza engacacanga imenze wakwazi ukuqhubeka nokwenza inzuzo. Kuyabonakala kwinto yokuba i-D-mart khange ivale indawo enye ukusukela ekusekweni kwayo ngo-2002.
7 Thenga kancinci kwaye uthengise ngexabiso eliphantsi
Ukunika abathengi yonke imihla izinto ezithengwayo ngamaxabiso anyukayo yayiyinto uDamani awayeyazi kakuhle. Ngokuchaseneyo nomgangatho woshishino weeveki, esinye sezicwangciso zakhe yayikukuhlawula abathengisi kunye nababoneleli bakhe kwiintsuku nje ezimbalwa.
Banikezela ngeempahla ngexabiso eliphantsi endaweni yokuhlawula kwangaphambili. Ukongiwa kweendleko kwagqithiselwa kubathengi bakhe, eqinisekisa ukuhamba kakuhle kweshishini.
8 Akukho frills
UDamani wayesazi ukuba injongo yeshishini lakhe kukubonelela ngempahla yabathengi ngeendleko ezithotyiweyo. Ngaphandle kokwenza umgudu ongeyomfuneko, walufeza usukelo lwakhe.
Iivenkile zakhe zihonjiswe ngokucacileyo kwaye ziphethe ukhetho oluncinci lwentengiso. Amaxabiso aphantsi kuphela komtsalane kubakhenkethi.
Inkangeleko yakhe ibonakalisa olu phawu nalo. Unxiba nje ihempe emhlophe kunye nebhulukhwe, nto leyo eyamenza wabizwa ngokuba “Mnu. Mhlophe naMhlophe.”
9 Mawuthethe umsebenzi wakho ngenxa yakho
UDamani ugcina iprofayili ephantsi, emvumela ukuba anikele ingqalelo yakhe yonke kumsebenzi wakhe. Ukunyuka kwakhe okuthe cwaka kuqoqosho oluphantsi bubungqina bokuzinikela kwakhe okungagungqiyo emsebenzini wakhe.
Ngokomzekelo, kunqabile ukuba enze udliwano-ndlebe kwiphephandaba okanye kwisikhululo sikamabonwakude.
10 Eyona nto ibalulekileyo kukuba lula
Usebenza kwimodeli yenkampani ethe ngqo, enikezela ngeemveliso ze-FMCG kubathengi ngamaxabiso aphantsi ngaphandle kokuchitha umgudu omkhulu kwindawo ye-posh kunye nokuhombisa.
Abathengi bayakuthanda ukutyelela i-D-mart ukuze bafumane iimveliso ezinesaphulelo.
Uqaqambise “ukubaluleka kokudibanisa” kwipotifoliyo yomtyali-mali oselula, esithi undoqo wokudibanisa kukuqala kwangoko kwaye utyale imali ngobulumko.
Uthi, “Imarike isifundisa into entsha yonke imihla, kodwa esona sifundo sibalaseleyo 'kukubaluleka kokudibanisa' kwipotfoliyo yomtyali-mali osemtsha".
Ukongezelela, ugxininisa ukubaluleka kokukhetha ubudlelwane bexesha elide kunye neenkampani ezibalaseleyo.
“Esona sifundo sibalulekileyo esifundiweyo kwisithuba seminyaka engamashumi amathathu kukubaluleka kokuqonda ukudityaniswa; ukuba uyayenza loo nto, uphumelele inxalenye enkulu kumlo wenkululeko yezemali,” ngokutsho kukaDamani.
“Isifundo sokuqala kukuba kukho umntu ohleli emthunzini ngoku kuba kukho umntu owatyala umthi kwiminyaka emininzi eyadlulayo,” uphendule watsho xa ebuzwa ukuba yeyiphi eyona nto ayithathayo. kuthwala i marike bekunjalo.
isiphelo
Akukho mntu unokungahoyi igama lika-RK Damani xa edwelisa amagama amaIndiya aphumeleleyo. Nangona egcina iprofayile ethozamileyo, ukunyuka kwakhe kwimpumelelo njengosomashishini kuye kwaphawuleka kakhulu.
Kucace gca kwinto yokuba ungomnye wabakhethiweyo abambalwa abazizigidi-gidi abaqale bengenanto kwaye banyukela kudumo ngokuzinikela, ukuzimisela, kunye nokubona kwangaphambili.
Umzekelo wobomi buka-RK Damani ubonisa ixabiso lokubona ixabiso kwangoko kunye nokwenza utyalo-mali ngelixa ugcina umfanekiso omkhulu engqondweni.
Ukucinga ngokucokisekileyo kubaluleke kakhulu kwimarike yemasheya kunokuba i-hit-and-miss approach. U-RK Damani ngomnye woosomashishini abakhulu nabatyali-zimali abakhule ngokwenza iimpazamo nokusebenzisa izifundo azifundileyo ukuze baphumelele nangakumbi.
UDamani wakhetha ukulandela imarike yemasheya, nangona wayengenawo amava alungileyo kwizifundiswa zakhe. Kodwa walandela ukuthanda kwakhe waza wazakhela umsebenzi onengeniso emva kokubona amandla emarike.
Kuya kufuneka ube nezakhono zokuhlalutya eziyimfuneko, ulwazi, kunye nokubona kwangaphambili ukuze uphumelele kwihlabathi lokurhweba, kufana noDamani.
Okokugqibela, abarhwebi abaphumeleleyo bahlala bekulungele ukuthatha imingcipheko kwaye bajongane nayo nayiphi na ilahleko kwaye bangangeni nje kwihlabathi lokurhweba kwiinkwenkwezi zabo.
Shiya iMpendulo