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Appendix J – Organizational, Personal Development
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Professional Capacities Personal Traits Private Situation Drive
KH it is usually one man starting up the company. Important is the capabilities of the founder, the one
person starting up the business.
KH does the person have a sense of business and is willing to take an accounting course or had a course
in accounting.
KH relevant degrees, education, kind of jobs he had.
KH If the person quits his job every two months, than he will not be the person that will try to make it.
KH Does he have experience with the product?
KH Is he going to do the accounting himself?
KH a person really makes or breaks it, does he have the appropriate spirit and enthusiasm to do it or not?
VS we do not provide loans while we have doubts about the feasibility of the business plan and the
entrepreneur who has to execute the plan.
VS For the entrepreneur it is also very important that his plan has a realistic change of succeeding,
otherwise he might end up with a business that failed, and will be left behind with financial and private
problems.
VS The entrepreneur needs to convince us about his abilities and the plan he is presenting and how he is
going to make it.
VS The entrepreneur;
- experience,
- education and
- (entrepreneurial) competences (E-scan)
VS Starting entrepreneurs will have to provide a feasible business plan and do a test to indicate their
entrepreneurial skills
VS During the screening process, the business consultant critically analyzes both the entrepreneur and his
business plan, but also has a critical look at the entrepreneurs’ personal situation.
VS Whether or not the entrepreneur owns a house or has a partner with a stable income can influence the
granting process of the loan.
TB by doing so you not only give the entrepreneur a quality impulse, cause when you ask him that
question he needs to think about it
TB ‘it is not about what you have, but about what you are’.
TB If he says; ‘I do not make profit, but I really enjoy my work’, what would be wrong about that?
RL Not because we taught we could do it ourselves, even though we have a big part of the background,
but by focussing on experts
RL Do not be too cocky and think you can do it yourself,
RL instead of that you can do only one thing very good and try to keep everything internal
OE 'Do you have a marketing department? A purchase department? A (travelling) sales force? Inside
staff? No I am just by myself.
OE What do you have and what don't you have?
OE For starting entrepreneurs it is particularly important to know what they don't have, so they know what
to get from somewhere else?
OE People also need to learn what is means to be an entrepreneur. The activities they do need to be
manageable.
OE the Business Improvements Gropus (BIG) has a lot of simulations, exercises to pull up the
entrepreneurship
OE People are afraid to sell something.
Elmar Hoogendoorn 121
Sustainable Microfinance