3 أشياء أهم من التمويل لمعظم الشركات مع محمد عاصم - المدير الإقليمي لشركة mastercard

هل التمويل هو أكبر تحدٍ يواجه أصحاب المشاريع الصغيرة والمتوسطة؟

في هذه الحلقة من بزنس بالعربي، نناقش واحدة من أكثر الأفكار انتشارًا بين رواد الأعمال وأصحاب الشركات: هل نقص التمويل هو المشكلة الحقيقية، أم أن هناك عوامل أخرى أكثر تأثيرًا على نمو الأعمال؟
نتحدث عن دور التكنولوجيا المالية (FinTech)، والدفع الإلكتروني، وتحليل البيانات (Data Analytics)، وكيف يمكن للشركات الصغيرة والمتوسطة الاستفادة من هذه الأدوات لبناء أعمال أكثر استقرارًا وقابلية للنمو والتوسع.

خلال الحلقة ستتعرف على:
✅ أهم التحديات التي تواجه الشركات الصغيرة والمتوسطة (SMEs)
✅ لماذا أصبحت البيانات أحد أهم أصول الشركات الحديثة
✅ كيف تساعد المدفوعات الإلكترونية في تحسين إدارة الأعمال
✅ العلاقة بين التحول الرقمي والحصول على التمويل
✅ دور التكنولوجيا المالية في دعم رواد الأعمال
✅ كيفية بناء مشروع قابل للتوسع والنمو
✅ أهمية الأتمتة وإدارة المخزون وفهم سلوك العملاء
✅ كيف يمكن للمشروعات الصغيرة الوصول إلى أسواق جديدة محليًا وعالميًا

إذا كنت صاحب مشروع، رائد أعمال، تعمل في شركة ناشئة، أو تفكر في بدء مشروعك الخاص، فهذه الحلقة تحتوي على رؤى عملية وتجارب حقيقية ستساعدك على فهم مستقبل الشركات الصغيرة والمتوسطة في العصر الرقمي.

⏱️ محاور الحلقة:
00:00 مقدمة
01:39 أكبر التحديات التي تواجه الشركات الصغيرة والمتوسطة
07:02 كيف تغيّر التكنولوجيا المالية مستقبل الـ SMEs
11:14 أهمية البيانات في نمو الشركات
13:26 التمويل الذكي وفهم طبيعة كل قطاع
18:50 مستقبل الشركات الصغيرة في ظل التكنولوجيا
21:06 كيف تفتح المدفوعات الإلكترونية أسواقًا جديدة
27:05 من العمل الحر إلى بناء شركة قابلة للنمو

🎙️ لا تنسَ الاشتراك في القناة وتفعيل الجرس لمتابعة المزيد من الحلقات حول ريادة الأعمال، إدارة الأعمال، الشركات الناشئة، التكنولوجيا المالية، والتحول الرقمي.

🔶ضيف الحلقة: المهندس محمد عاصم - المدير الإقليمي لشركة Mastercard في مصر والشام
🔶خليك دايماً متابع الجديد في مكان واحد وحمل تطبيق بزنس بالعربي👇
https://m.mtrbio.com/BBA-Application

هذه الحلقة برعاية :
📌Mastercard

تلتزم ماستركارد بدعم التنمية الاقتصادية وتمكين الأفراد في أكثر من 200 دولة وإقليم على مستوى العالم، مكرّسة جهودها، بالتعاون الوثيق مع عملائها، لبناء اقتصادات مرنة ومستدامة تمنح الجميع في كل مكان آفاقاً أوسع للنمو والازدهار. تقدم الشركة مجموعة واسعة ومتنوعة من حلول الدفع الرقمية المتطورة التي تُسهل تنفيذ المعاملات المالية وترفدها بأعلى مستويات الأمان والمرونة وسهولة الوصول. تساهم تكنولوجيا ماستركارد الرائدة، وقدراتها الابتكارية، وشراكاتها الاستراتيجية، وشبكتها العالمية في توفير باقة متكاملة من الحلول والمنتجات والخدمات الرامية إلى مساعدة الأفراد والشركات والحكومات على النمو وتحقيق إمكاناتهم الكاملة.
www.mastercard.com

Transcript

لماذا يتعثر التمويل للمشروعات

1:39

Musa hagawaka al sualenta saaltu uhir wehidilho uhbar maw kot ma uguda uhda kulin asbit kalem lawa access to finance in hoya dar nhay baandu uhing capital our smell inhoa kabarbiel shogulptea wa na hwa yadambi il shogulptea. Fi

مؤشرات ماستركارد وتحديات السوق

2:03

ekna bardu go mastercard canandina uh study of mastercard SME index we feat masr da ala masr fe tallat mutatolla botalat uh challenges. Aw wahda fium and how uh training wahda feum and access, consumers, our muntaghet, inventory low, tell it wahda uhish access to finance, but uh financial system sahl in hoa yodar in hoya taamal ma ay, eba fi il dehil will kheg. Mm khma kumwa akad, weder na fil echer y tala minu, l bayinetl hoa e isha, we odor inhoha, itala minul hasabad, butatu we shofer rep hapte and khalibalek, fiasm is kira giddam but business case or bitwa mut heyelah and the business be gibripan, s lamatigit hotl hagabil wara will alam bit lemafih sora, mishhoel hoakan husboubuzopt, ubi wafishwait, tadilet lasum tah salalal business. Zet khalibalak in aghlabna mish there is finance with a aghlabel nursel hobby tah business soya, okay the ho muk shot or fan yfagamwayan. So, if uh hate it no yada fish best has a dechel her one accept, one accept, one amate the brook even to one had the aslif imtawamil kalem the kullu agilable shall get unclear octa micro, maybe the systems. Excel advanced, yeah, yeah, yeah. Ashantarov intaktik sabmin.

الابتكار في سوق مزدحم

4:52

Inta Laurtaf industry hair saturated and renwatamil innovation, Renweeta Gdid, Ibahatshell, Lao Ruhtafataht Matam, Fera, Fiya, I shrim matam, and Renwefi Hagam Muktalifa and Matam Dayba'tiba Fashalt. Lawinta Rohta Fataht lant, Saidaleya, or Saidaliyat, Hawalaik, Dimch Hagamhtalifa, Mshiba Fina Gay, Tidy Shtagala, Awibaanda, Moshro Sahir, Awun T, Mashro Bata Entrepreneur, but we're not going to be able to do that. Payment fee l installment no salak bi il microfinance. And add them payment for Magal collection, add makma and collection. Fantidi nah shoof e l homa bi ad moo as a technology, weptidi nah eventsal home bi mean hoa. Bil a doffer nahab comin to uh get access to uh working capitals or investments or whatever. With that program Mauguda and MasterCard Smooth start passing,

رسوم التحصيل والتمويل الأصغر

6:41

but it is a good initiative. It's supporting the field of fintechs fields of the SMEs. Let's say field platforms, technology, payment, SME, I will share Sahira and Mutosa, I will share Sahira, I tata, but Yani, I'm a calimfall, AI, get a little bit of a share, Sahira Mukhet Shirka, but be about concrete letter by Shakinfield, tools, payments, is the higher ficretal SME or Fikrit Fat Foras Gidida Lil Shirikat Sahira.

الأتمتة من الدفع إلى المخزون

8:17

Dalwa does, weptidi in Hawaii teba l inventory btea uptidi teba l'atfa't batatu l'suppliers tatu to be automated, let's mi bahandu uh inventory system. Ashani yptidi inhawa y collect min l omala battoria uh electronea a nastat faraptoria elektronea, lesmi yptidi inhowa ybahim is offersi bandu marketing wibaandu l-monzuma day. Asheni yptidi dlwaati inhawa ykud uh uh credit min il bank, u diheta masal an ehna minil hagetilim na kwa is giddan, ilbank ma bi bashandu data l SME. L SME bi faker in business dat, ehna kulina ka investors aw bank away had them access finance, hai ba also kfi l shaqsu. L darakun may be ama good, but uh loan, ashani dari delak tamwil, ashani dari dilak access to working capital, ashant to kabba il business batah. Mhirma al banki wa muta akki n ninta bit uul in ninta had gib, hatik sab alpig gnif shah, lauma az batilush nintsa elf gnif shah, ibanta hibasaba awi in nintat tehud loon ilinta talbu aw cord. Lawinta hatit al mekana nintab tabal kul Matfad Bitataq buttora elektrone. Uzem ma kutam di kalim filhala al-fetit, intalamibanda k il-maqana, bi tabel matfad tora elektronea'fihsaf fil bank. Fadama anan il bank, il ħhaseb bitay bi tarra kizeh lam mega ruhil bank olubus, anabaksab alfignefusar bedalil, in il makana di bitehud alfuhumsumeya nhardau alfimbera hutum numeya nharddawa, anaruhtahu, bataaman ma'ragil il hajdinil kordlu isbetahu, malmus, maditita mehman, in the maksa bitaa udal footprint ilbiasar will tugara ptati uh. Anotar kabank amil analysis will will machotur beta ybizda ala data dwwati mauguda, wa dar a deilu, dar a dealu working capitalashani koppbar l business bitaya. Mish zail awulba inho hot cash, kulil hasak

أثر الفاتورة الإلكترونية ونقطة البيع

10:45

feed dofter, lezm faker yulak lesma ruhamil ziyora l SMI ashana ruha od yum, wa shoov ba wa wateba, weba nana ga aktap tokri damish matlub delwati. Matlubi nana t akid uh, matlubin nana amil muhatra a bas bordo fiwa sail tanya dwuati fit dafar electroni at sahilli in nana adil bankl bayinatuff business btai in hoa uh bit feed shrikat sayero zai kir ficret in l'hut cord, mehoch cordil bank. Bus uh inta ta' cord bank di aktor hega inta but uh mehtaga kasahab uh small business business bta. Basfino atanya bagood in nana dwua tila udirt in nana i baandi, badal manakut bestahdim uh uhta ruara alam uf akrilyum ba affil il hisab bete in nana beatip kaza u haloos in nana baandi kashir system sohre. Ma il PUS shantba mguda, hai ba maya bardu fatura electronea or kashir system. PUS aw in nana, bordu dlati il hyanzil badikedan n-mubail bete hastah dimwash andbal matfua, dama good borrow, hai ba ma good koriban fumasrun sha allaya. Fa lawana pteita stahdimda, upta dita bairif in nana badal basimakul yum kutabafil hesab betei, ab ayf in nana andi uhein muayana, biti totlup hagat mwaayana, fil yumul fuleni. Tamam, habtidi abba manage l stock betei. Fa hena yigi dur data analysis, hena yigi dur il data, nana bafhamizubum beteh, biutlub e, biutlubu imta, amanage l inventory btei, badal malhaga andi, bitba mguda lawana ba el waf in the gibna rumi, and nasbiti ki tahoda akti giddan yomal haddash, ladrahal madrasa yomil litninu tatu lorba fa fam shorhagebha yumal khamis. Habtidi famdamin imta min in nana badal basma kutaba irif in nana beat uh gibna bilyumda uhaza ba itarif no a gibbna. Baitaf in lzibunil gishta reha, ho uhistareha, fulanil fulani l'ana aif in the hoa staral l nota. Wha kasna data analysis.

كيف يبني البنك قرار التمويل

12:58

Fi fee businesses ktira be some more seasonal awliha um, awat fasana aliya, awat fasana tiksabda, yamas sa says yeah, is ra, manduat hassod, and dua t Fabi Muzain's killa gidden no yesib, and haksa came, mohsar came, what fight fali imtawana what al hassad batay emtzel paym tata'imal mal no adam this. And the ablikata can kula nafze will if you one size fits all nafs tari. Bus Basanaharga tany henal access to finance. Mishl goes at any readin' nana working capital any di octa haga painful bitab uh bit sabib alam and sahira or entrepreneurs and how alamabigi ruhia cord, awbiigi yod sulfa, obigi working capital, but study el patterns al-Muzarain Beta Hulanda fiad al Muzarein Al Fakra, Al Banuk Hinek hat al Banuk Bitamilkid uh Homba Bitwa al Hadeya, Al Homa Gift Shop Silma Gudeen, Ash and Dulbi Shadow Bord of Muslim. Uptada nowa y add the working capital li el Sharikadi Aw of Rod L Shagalin filmagaled day, we ulun tatifali, mish kul shahriba'a tfali installment morraf safe umorra and the Christmas. Able Christmas Aratul. Uh Marrafal Hassad Beta'l Shita, um Hassad al-Muzarain Masa. Hatibtidi T'tfali Mishbaslul Marhalan Hawa Hay Tfalu f intervalda, yulu fil yuma

تحليل البيانات والطلب الموسمي

15:09

lafik, and ta tfali fil isboal fulani la tell it is boa fil show, ashandana airfinta aul is boembi, bagalak filus fa abil maturuh dib al istiptagi. Hina, bistihdem bas mjba, istigem data lil SMEM ilfih mptail analysis beta data al industrial SME Shagalfiha, wa dirna anda aw shari kedi awil bi ad demu loans dul idrun humma ya demu effective loans lil SMEs. Ana ana bgayba tavan mashek payment. Mukhi mahandi mashekil kira muhtarif an eyze tallem zair maliad, an eyet alem za adir il business with a naiza daughl Hhamsa Sitta L Shakarimai, an eyzahdar an eyes R of Azra Aum Azrahi, asna eumasnashi kulamti, I will hagedi ishagheref payment, I will technology, our finance, the master card and he til Abdur akbar min Mugorod nana dic POS uh tit fathers. Hena bib Durbutana borra l manzuma l melehana durbutana biba na tayon ma uhutohsain, a seni ptidu y a demu uhdi aust shorat outorata dribeya li el SM. Whenabadu fidur teni ma good uhwa uh master card and nihna and dena fari kemel li l consultancy will shorat w nahowa ptidi sayid l'homalaf and nohomma iptidu shufu izei ybhi uhs lil ma alumet w n nohoma iptidu ydu training temfat ka training material ashan share ket n stafed uh minna. Bas duril assesi ilhna mafrud uh binalabu n nehna mafrud nihna bin sayat fi ha nile fikul field il mutah seen daru ywa faru e data de li il uh SMEs. Whasusan fasana yani wa fakra dama goodfumasri yani alba faragala baromik kitira gidam bata bama guda, biba fiha. Sawa mba baromik li a laka b tophua bi dawaru ala uh investors, bi a demo, entrepreneurs mktalifa, bi a demo investments liptu a mauguda il libi di halhom l investors, day,

سداد مرن مستوحى من الزراعة

17:43

bita discussion di maptib ehma wguda faktab o marga, awda dribe, tda, nint a dimha lokulin nesha da door lehna mumkin nihna nilabu, fi nehna nise at fi bona il monzumodi. And how nila business blal lehna binha will nidilak malumit kirawi andak access liha balesh low went stem business, I went and business, okay, zale hagetlah kalifia nahorda, nendi muhimagid dan m muka matlash fial and fiqteb outla fiya khiborot wafiha insights o uh uh stintaget min min had sinin ta'wilaf Magal muayan o flotoriya muayan ofora okida we muhimagid danyan. Ama that my ka ma ulterial challenges, kul naska bit kalema aala, l working capital will access to finance, na master card index, publish bibelashia, n dabi uh uh access li cool lness, la ina n talat hagatl maugudeen data analysis, uh financial services, we education. Is technology femagal finance or fintech, abdulkbir ftakir mf whom SMEs. Is not a small business, it has the opportunity to grow. Selling, manamonka, amelo restructure, but we have to use the money. Automation of the payment, had khalik fil ekher tamili to automate inventory, Tamil Bandak, cashier system, Ibandak data analysis, access lin nininta financial service milaw, fee access lin ninta chuf, amla ze kull, hai kalik tibni minil bideya a more robust business modelik ba di kita mata tvage f nota andak yemkin kulamit fara. Bzop Malmadi mit farah, awin ninta andak business quest awi bas m sharif the scale ash and sha'lakasa. Al asas bitaak is tahamil dureen winta ma inel intertamiludamonk ni baashar to dwor. A toko d n hedi nota

المنظومة الأوسع: تدريب وخدمات واستشارات

20:18

il kibira gidden, il la wehna khadneha fil owl, weba fial automation fil owl l SMEs, uhsusa ybatamlum al consumers afik. Yani, la winta get ul tili in nasal bit soddar, a w nasal bit howel in heyata emil sanaa, dul minil asmi baanduhum ta amulat malea muna zomal andum sharfi soddar gilam maybaando ishuf zaha ta amal borro. Bas hai ba mehteg ihoa li sonna demand borro. Meshruhi sonna haga bordo fakker na soddar mut soddar. Basel ta ta'amal maal consumer hoda il haifahum gamit gidan and in hoy baandu. Payment fill owl and hai sa do system we baandu a scalable business man. What you payment limit about uh uh mazrashin rahtam hotatil kalem dal video al social media website plan. If I get like orders, and then payments away, and the munk lines. Atlana and Namel A, Atlana F and Kalem the Kulandum and Sakaf and Malay who Furoskibira Gidden Batasala Adik Massa Kutfil Guna Uruhta and Mahell's Ridden B B says but the kidday could bas ala ala delivery. Waitli

التوسع والبيع خارج الحي

22:46

wahna kamen afik rahnamonkan deliver l-kohera, awlaw hadraq katahul hagedi l beid boromos, rahnamunkan batl hagedi boromosherikat shahnil fulone. Da hadda andu wayimil aw. Hadda andwaii no amal hega irif no haigilu ama gilu seyeh, wha is yotlup hega mu akada kedemasaf shisyyehk ba'i ba yitlehim biya lahasara finta amlal system ul process but Izehatahudul matfua, aze tfala shirkit, shahnizat shinhela klaborloya. Dhamisella hadembadri irifihem muhatl process we dnoamil skele. Inhad gaiyar mafum il business of sahir inhuwa ba andu afak yehhud ibiya l'htalifa, tuluk muhtarifa, tur shira muhtarifa, l'inhua il-technologia di fatahitlu al afhdi bad ablikata kun titta la tamahalf medina wa la munt, wa akra knessalhawikun madintinhawlik bas. Bas di laiti ma' the galaq mimbaid and sharifan hate five hai sefer harah la ml e kram dabaeshma would lahua hat five, they will be assist or hassible finance and whibi. Hasad Bas Lissa Mous Litchl Marhala, Elfiha, L Maturity, I will nowa how dal platform I will ecosystem al Maugod. In then up tia hot liness not a platform, access l borramas. Oh, the borrowed.

الشحن والعمليات لصناعة قابلة للتوسع

25:36

B al munazba, hatlay in Nesi and Da for us who boromasr, boromasr tame man yeah. Wa zay mal wa haiigi wa at al fakal daya sulfai mal SME lati bi you must say infil may amin il uh uh il business al Maugud wahami to mustr uh haigi lwa atin no border we uh wasila and hoi da khalina uh shaften al Mogoda nafa giddin fetit samol gig economy il show net albed bilhettazai mabi uruhu henakalf must gig economy for naipkaza, amilkhet for nepkazah, uhaml Anamasal, Shta anabara famil design alihum wabahumaral the wati intakuntazament bigl mugfilmtu aptatak ofi munk in a soddar il shekl mug, lana ba miludab sheklizizm shaky, but nas to bumkitro lomakanchi fi payments uh tok low ts healil payments. Kameit el freelancers al Mauguddin, lama Bishtal, bilhetta keda, bi Mil Hega, bad keda hloss, and freelancer as a best, uh uh yishtagal alal adul modo bi tower main hoy ula ta manaizi bahn di shirk yanyana fi misel basit giddan had the uhit arts uh beta it batari uh basito giddan yet ba freelancer la hagatli ala couple arts. But tower maya but decide, but me gibtilhag. Day tour maya bad kidha by default coming sana hata shirk,uda,

اقتصاد العمل الحر والفرصة غير المستغلة

27:56

betanmuff must have must have mustra alattori, alsah giddan yimkinabut, and then we have a sayatkula bit ul and the contribution kibir giddan benizbala, shaifin i shari kibir in alfiadi al ad ma'a munkanhua mishfilu sukbir ashirkbira beshua, al potential forsa in Nazitukbo kibir. Besora, uhtaba adul elf, elfina telef, ashotelef, meet elf shirkas, ktir gidden will gig economy kidding nessel fanin, ktierfana eyes, maken, a sterel ali, wa ashtel borra sahadia of how frucisev nin will nest it falize on anabashuff her untapped potential or potential het for us kibi giddan orissa il technology m se hitchal and nestal nod friendly our better uh sehla u salisa noya fiam karamakul. Busuya il technology maugod will fikr ma good. Kul da mabidgama alabad beb alihum kuma kibiraya. Falhtimem bihum beeb a muhem. Khadik misel, ala lihti memem dam and camsana fetu, canfi fikr and nehna badan mantabasbit hot l ninta truh to all small uh business in nintabit hot uh l POSD I will make a lintabit husal minnahal filus, waha wa kull hobby amilun hobby exabmen naha. Asha technology mauguda, finas got wata water to hotha, applications taniata tahali, yeshan mobile, yet fa fatura, zawudrip technology mauguda, isy t istahdimha, ulaqlin mosri zaki giddan inhoy darzei, yita waraha istahdimha. Fikra kulabas nihna nereqkaz fi in nihna n chuf zhai il lihdemem bil shareikat swayara, totbi il il afkar lihna zai lehna u nadu zayhan sadh alium badan mayba fi ebdafa elektronita forsa li kula innihna na damu, will shareikat kibirat of dal wafha

الخلاصة ودعوة المتابعة

30:40

ra, l'hait lamman nezdul fa'alan yahdu mayas tahakkum min khrot, womin, tadribet, womin access lidata, waham hagatatabani bandomul working capital lhoma yodari ko barubi il business bitahomya. Shmz Muhammad uhinaitilha withdan alma tal kayima di uh wa anatmanela kull tofi from staban. Well uh anasak ma'na business blarbia. Sukran was tamtata giddam with little talat halayat soqrangidden. Well I went to Smaw alright deluati, but it says subscribe, iktiblina ful comments on the always one shovku business below. Sarah.