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SMALL AND MEDIUM ENTERPRISES (SMEs):
SALES AND MARKETING STRATEGY
Chapter 2
Sales and Marketing SMEs
Prepared Prof. (Dr.) Kao Kveng Hong
Ph.D., D.Litt., D.Sc.
Date: 06th July, 2014
โ€ข Marketing strategy =
Target Market +4Ps
โ€ข แž˜แžปแž“แž“แžนแž„แž•แž›แžทแžแž•แž›แžทแžแž•แž› แžซ แž•แžแž›แŸ‹แžŸแŸแžœแžถ แžŸ แžพแž„แžแŸ’แžแžผแžœ
แž›แŸ‹แžŸแŸ…แž€แŸ’แž“แžปแž„ 4Ps แžŸแž“แŸแŸ‡แž‡แžถแž˜แžปแž“แŸแžทแž“แŸ”
โ€ข แž•แž›แžทแžแž•แž› (Product) แžŸ แžพแž„แžแŸ’แžแžผแžœแžŸแŸ’แŸแŸ‚แž„
แž›แŸ‹แž–แžธ แžขแžแžทแžแžทแž‡แž“แžแžถแžŸแžแžพแžขแžแžทแž‡แž“ แžแŸ’แžแžผแžœแž€แžถแžšแž•แž›แžทแžแž•แž›
แžŠแžผแž…แžŸแž˜แžแž… ? แžŸแžแžพแžแŸ’แžแžผแžœแžŸแŸ’แŸ‚แžพแžšแžถแž„แžŸแŸ… แžŠแžผแž…แžŸแž˜แžแž…แžŸ แžพแž”แžแŸ’แžแžผแžœแž…แžทแžแž
แžขแžแžทแžแžทแž‡แž“ แžซ แžขแžแžทแžแžทแž‡แž“แžŸแž–แž‰แž…แžทแžแž? แžŸแžแžพแžขแžแžทแžแžทแž‡แž“ แžŸแžแŸ’แž”แžพ
แžœแžถแžŠแžผแž…แžŸแž˜แžแž… แž“แžทแž„แžŸแŸ… แžธแž€แŸ’แžŸแŸ’แž“แŸ‚แž„แžŽแžถ?
๏‚— Sales and Marketing relationship:
๏‚  Selling is an art and not a science, Necessary skills can be
increased by analysis and training.
๏‚  Personal selling is the part of Marketing, called marking
which is complemented by advertising and sales promotion.
๏‚  Without marketing one would not have prospects or leads to
follow up with, but yet without a good sales technique and
strategy, closing rate of a seller may depress him. The key to
success in marketing and in sales is balance (Lake, 2008) .
๏‚  The purpose of marketing is doing everything to reach and
persuade prospects. The sales process is doing everything to
close the sale and get a signed agreement or contract.
๏‚— Sales and Marketing Relationship
๏‚  The sales process consists of interpersonal
interaction - cold calls and networking.
๏‚  If marketing is done effectively salespeople can
begin to move that prospect from a cold to a warm
lead, and hot at the final. It's all about balance
(ibid).
๏‚  As defined by Manning and Reece (2004), the
strategic marketing plan should be a guide for a
strategic selling plan. The plan includes the strategy
that you use to position yourself with your
customer before the sales call even begins.
๏‚—SMEsโ€™ Marketing and Marketing Plan
๏‚  Marketing and sales are the two
complementary functions of any successful
business. It needs to promote, advertise and
sell the products or services to potential
customers.
๏‚  The business requires a target marketing
strategy and a team of sales representative
to provide service clients (DDD, 2006).
There are four steps of marketing plan that
SMEs should know
๏‚  Determine the needs of the customers (market research)
๏‚  Analyze the competitive advantages (marketing strategy)
๏‚  Select specific markets to provide service (target marketing)
๏‚  Determine how to satisfy those needs (market mix)- (John et al.,
1988).
๏‚  SMEs has the web and link to the search engine, and
advertising in TV, radio, magazine and newspapers (Sam,
2007).
๏‚  The SMEs marketing strategy built the brand image and
brand loyalty can support the sales strategies of SMEs on
more tactics to improve the sales.
๏‚— Two-thirds of SMEs employers were lacking in Marketing
experiences. No formal training on customer care and sales
(Loudhouse, 2007).
๏‚— The following is the most common methods applied by SMEs of
consumer and food products in various countries for communicate their
brand:
๏‚  Consumers meetings:
๏‚  Invitations letters:
๏‚  Printing and distribution of leaflets:
๏‚  Article at Mass media
๏‚  Advertisements:
๏‚  Direct marketing: They can use the market or shop itself for a forum for person-to-
person marketing of their products.
๏‚  Word of mouth:
๏‚  Field visits: Many organizations organize regular meetings between consumers and
producers.
๏‚  Consumer newsletter
๏‚  Display information and photographs
๏‚  Participation in trade and food fairs
Another important means of communication is the Productโ€™s packaging
and logo. Packaging should be attractive and be in line with the identity
of the products. (IFOAM, 2003).
๏‚— Cohort marketing refers to all the marketing
activities that market their products to cohort target
of people to gain the dividends for their company.
๏‚— It assumes that cohorts are greatly influenced by
certain events taking place in their generation.
๏‚— A marketer who can recognize this difference and
use it to market his product can reap rich dividends
(Kotler, 2006).
๏‚— Cohort marketing is useful in tracking the
customerโ€™s actual purchase and what is important to
him/her (ibid).
๏‚— Sales strategy is the planning of sales activities such as
methods of reaching clients, competitive differences and
resources available.
๏‚— A strategic selling is a carefully conceived plan that is needed
to accomplish a sales objective (Zahorsky, 2007).
๏‚— Zahorsky (2007) developed his triple-tiered sales strategy of
SMEs as follows:
๏‚  Tier 1: Association: establish a relationship.
๏‚  Tier 2: Suppliers: Identify who sell to your customer. Learn their challenges
and look for partnering solutions.
๏‚  Tier 3: Customer: Work directly with customer and ask them what their
needs are and if your business may offer a possible solution.
๏‚— the sales strategies will actually be supported by marketing
strategies (Jobber, 1997).
๏‚— the success in personal selling rest on the critical ability to
create value for customers.
๏‚— Kawasaki (2007), said that sales strategies are most
important for new SMEs. The basic sales tactical choices
of SMEs are: Sales promotion, Advertising, Public
relations, Printed materials, Personal Selling.
๏‚— SMEsโ€™ sales strategies begin from the process of
effective selling skills to the contacting of all the
intermediaries (retailer and wholesalers, etcโ€ฆ). Then
convince the intermediaries to sell the product or display
the product on the shelves.
๏‚— Moreover, to make solution of sales problem and
convince the intermediaries to accept the products, SMEs
must provide the advertisings, public relations and
marketing activities to support and build brand image of
the products. help the sellers and intermediaries easy to
sell the product to final consumers.
๏‚— SMEs must spend the big budget to do the sales and
marketing activities such as advertising, sales promotion,
personal selling, etc.
๏‚— SMEs mostly get a fight back from the bigger firms by a host
of marketing action such as sales with attractive prices, after
sale service, warranties, etc. They can fight back with low cost
and create more value for customers (Lim et al., 2000).
๏‚— Singapore, the bigger firms were able to use the mass media
via television, along with their strong sales tactics; they could
dominant in huge market share.
The small is limitation of financial forces, SMEs had to be
contented with promotion through newspapers, magazines,
flyers, radio, and word of mouth.
๏‚— Many SMEs got success by differentiated
themselves sufficiently from the bigger firms by
adapting to suit the local tastes or preferences.
๏‚— Manning and Reece in 2004 said โ€œIn the past, a
salesperson could succeed by communicating value.
Today, partnerships are established and maintained
only when the salesperson creates customer value
within the sales processโ€.
๏‚— To avoid provoke in the price war, SMEs maintained
the same prices of the large firmsโ€™ prices
๏‚— Hartley (1989) said that the most common key for motivating
sales representative and sales agents were commission. Ex:
Singapore, Thailand, etc...(Lim et al., 2000).
๏‚— The supported keys for sales strategies of SMEs in Iran were
standardized products and promotion strategies as first
priority and the second priority was on wholesaler, distribution
or network, and pricing.
๏‚— The research of Nordstrand and Ohman in 2005 showed that
the successful SMEs were taking the initiatives to Adapt to
consumer demands, setting right price, tradeshow and
promotion could support the sales tactics and strongly
improve sales volume.
๏‚— The study also showed that a short distribution channel, and
thereby short distribution time, led to increase sales for SMEs.
๏‚— In Sweden, SMES used promotion by brochures, tradeshows
activities, homepage creation and relationship selling to
achieve the sales target. TV and Radio were not used much for
the image branding (Nordstrand and Ohman, 2005).
๏‚— Training, education and other sales activities were found
significant and has got greatest portion in sales volume for
SMEs (Afzal, 2007).
๏‚— In the social activities, such as wedding and funeral
ceremonies were the occasions for keeping personal contacts
and developing relationship, which would help for having good
business in future to the entrepreneurs.
๏‚— The success of sales strategy is based on sales
forces that include technologies, good
salespersons and customersโ€™ satisfaction.
๏‚— Towers Perrin indicated that using
technology (e-commerce), finding and keeping
good salespeople (appropriate individual), and
fixating on customers (customer relationship)
were the most important factor resulting sales
force success (ID, 2001).
โ€ข LeBoeuf Michael says โ€œEvery companyโ€™s greatest assets
are its customers, because without customers there is
no companyโ€ (DDD, 2006).
โ€ข To find out new customers, it is necessary to spend
budgets and time to create marketing activities leading
to sales strategy and the results are not exactly positive.
Maintaining the existing customers means that
maintaining the incomes
โ€ข The existing customersโ€™ relationship and building
customersโ€™ loyalty will return the huge volume sales
revenues
๏‚— Culture is defined as a set of values and beliefs that permeates the
organization. It usually emanates from a single person, the leader of
the team.
๏‚— Jonathan , says โ€œSales management is covering from creating sales
culture in an organization to how to hold a decent sales meeting. It
takes on old problem and put forward active, tangible solutions that
are both plausible and devastatingly simpleโ€.
๏‚— Jim Sahka, says โ€œwe hire more โ€˜Aโ€™ players, increase every oneโ€™s
selling skill, and create a sense of urgency- resulting in 40 per cent
quarter- over- quarter growthโ€ (ibid).
๏‚— Proactive sales manager needs to focus on the culture, because
the sales culture is as being like the infrastructure of a successful
team and company. All things will fall out from being a culture-
creator.
๏‚— It was found that motivation was a key to an
organizationโ€™s survival and prosperity (Rana, 2004).
๏‚— Different people are influenced in different ways
according to their stages in their careers, their gender
and the level of existing rewards.
๏‚— the idea to motivation mix, which represents the
combination of factors to be considered including
training, leadership skills, remuneration, and
incentive, management controls and feed back
mechanisms. These factors, which managers can
influence and control, will affect individualsโ€™ to work
and, ultimately their job performance (Jobber, 1997).
๏‚— Corruption and bureaucracy, The World Bank Report (August
12, 2004) on investment environment in Cambodia showed that
four fifth of the private companies equaled to 800 enterprises in
Cambodia mentioned that it was necessary to bribe to do
business in Cambodia.
๏‚— Selling with dumping prices of the smuggling imported
products caused many problems to the domestic products as
well as influenced the sales strategies of the enterprises selling
those products.
๏‚— The wholesalers dominated the prices of the products
produced by local manufacturers.
๏‚— The producers tried to unite as an association to maintain the
stability of prices, yet the effort was failed because of lack of
knowledge and experiences.
๏‚— The fluctuation of Thai Bath and Vietnamese Dong currencies in term of
Cambodian Riel, mostly influenced the increase in the prices of consumer
products and lowered the level of sales revenue and sometime, they were
required to sell in the most competitive prices (Archarya, 2002).
๏‚— To compete with the imported Thai and others countriesโ€™ goods, Cambodian
products need standard quality basis. The production location should be closed
to the resources where available, and this would make the low production cost
and, therefore, they could sell cheaply. Sometime they needed to pay the
informal payment to the police for their distribution.
๏‚— However, the producers felt reluctant about the future of the market whether
they could keep their standing or not because of the lack of quality machine for
making standard products, the lack of international standard labor forces and
skills, the loss in competition in the region, and high cost of operation on
marketing activities such as marketing event, sales activities, sales strategy and
advertisement (ibid).
๏‚— The producers complained that Cambodia had become
the expensive economy because of high electricity cost,
high transportation cost, and informal payment.
๏‚— Debt payment of the intermediaries was a big problem for
the business owners because the producers needed money
to continue their next operations.
๏‚— Macroeconomic components such as dollarization, gross
national product (GNP) and level of income also had effect
on sales strategy and market in the country.
๏‚— SME Cambodia always advertised by word of mouth with
some sales tactics and strategy in brief of unprofessional
business plans.
๏‚— Due to the high cost of advertisement, the sales
promotion to increase sales was done by flyers, word of
mouth and internet which were supported by CCC.
๏‚— The success of SMEs were due to teamwork capacity
building and differentiation the products from others.
๏‚— Many manufactures had failed because of low
technologies and techniques, lack of production skills,
and high cost of input. These caused decrease in the
standard of production and increase in the prices of the
productions.
๏‚— Small and medium enterpriseโ€™s success is based on sales strategies and
marketing campaigns. The success of sales forces and marketing campaigns
have depended on how team members have devoted their efforts and
worked together to promote the optimum productivities (MPDF, 2004).
๏‚— FCB (Cambodia) Co., Ltd, The research showed that 60 per cent of the
companies, comprising of small, medium and large firms, were situated in
Phnom Penh.
๏‚— The percentage of consumers having powers to purchase consumer
products in Phnom Penh was 60 and in provinces was only 40. SMEs owner
agreed that consumersโ€™ goods especially foods and beverages had a very
large sales volume in Phnom Penh, i.e., about 60 per cent (FCB, 2006).
๏‚—
๏‚— The local market of small enterprises (SEs) was very limited in Cambodia:
๏‚  Not so supported by the local people and
๏‚  The sales in the market were dominated by the imported and medium firmsโ€™ products.
๏‚  The late debt payment by the retailers and wholesalers,
๏‚  Did not have their own professional sales strategies, marketing activities, advertising and business
plans. They sold the products through word of mouths announcements (CCC, 2005).
๏‚— FCB Cambodia Co., Ltd. showed that the medium
enterprises (MEs) were finding difficulty to compete in
the market because of smuggling activities and unlawful
business operation. They had more clear-cut sales
strategy, marketing tactics and business plan than the
small enterprises.
๏‚— MEs had better technologies and skills to produce the
standard quality products than the SEs. One more thing
was that the MEs had the more budgets to make
advertisement, attract impression, build brand image
and stimulate sales (FCB, 2007).
๏‚— The sales expectations: there were no considerable
differences between small and medium enterprises with
regard to their sales expectations during the special sales
periods such as Seven January Day, etc...
๏‚— On the whole, most of the surveyed small and medium
enterprises were benefitted increasing their sales due to
their promotion activities during the above periods.
๏‚— The most periods that consumer spent a lot are: Khmer
New Year, Chinese New Year, Pchum Ben Day, Water
Festival Day, Christmas Day, and International New Year
Day.
๏‚— Except the two sales strategies i.e., โ€˜Buy more and then get
more special discountโ€™ and โ€˜Special Discount for Wholesalerโ€™, in all
the other seven sales strategies, there were significant
differences between small and medium enterprises.
๏‚— Medium enterprises were found to be more benefitted from
the sales strategies compared to small enterprises during the
special periods.
๏‚— the sales expectations of SMEs during different special periods
shows that the difference between small and medium enterprises
was not significant due to their sales strategies.
๏‚— Both the small and medium enterprises used different sales
strategies to promote their sales during the special periods.
๏‚— This is clear from the achievements in the sales expectations of
the SMEs during the special periods and on different sales
strategies used by the SMEs in the special periods.
๏‚— Both small and medium enterprises is using different kinds
of push and pull sales tactics.
๏‚— But more percentage of medium enterprises was following
different push and pull sales tactics as compared to small
enterprises.
๏‚— Except the sales tactics โ€˜sponsoring the equipment for
product displayโ€™ and โ€˜ distributing discounted couponโ€™, in all
the other 10 push and pull sales tactics cases, the percentage
of medium enterprises using these sales tactics was more
than that of the small enterprises.
๏‚— The small enterprises were at a lower level in applying the
professional push and pull sales tactics as compared to
medium enterprises.
๏‚— Both small and medium enterprises used push and pull
sales tactics such as Sponsoring the Equipment for Product
Display, Trading Off the Old Products before Launching the
New Products, Providing Advertising Support, Providing
Added Value to Intermediary, Providing Sample Sales
Materials or Tools, Making Intermediary Meeting,
Distributing Discounted Coupon, Giving Special Discount,
Providing Incentive Prize, Providing Sample Product,
Providing Compound Products and Making Lucky Draw in
the study area.
๏‚— But the percentage of medium enterprises using push and
pull sales tactics was more compared to small enterprises.
๏‚— In order to motivate the sales staff, the SMEs in the
study area provided the incentives like giving
bonus, promoting the staff in his/her job, giving
commission, providing tour package, providing
training, giving certificate of excellence, increasing
the salary, giving gift/prize and providing health
care/health insurance services to the staff.
๏‚— But the percentage of medium enterprises
providing these services to the staff was more than
that of small enterprises.
Creation of Activities and Participation in Events
โ€ข The Some strategies are using by SMEs, such as Participating in
Trade Fairs, Distributing Leaflets, Advertorial and Press Release
through Mass Media, Conducting Advertising Campaign, Making
Direct Marketing, Selling through Agent or Distributor, Providing
Product Warranty, Satisfying Customers for Word of Mouth
Advertisement and Facilitating Field Visit for Customers, on
creation of activities and participation in events were used by
small and medium enterprises.
โ€ข Except the sales strategy โ€˜Facilitating Field Visit for Customersโ€™, in
the cases of other above mentioned sales strategies, the medium
enterprises were found to be using more compared to small
enterprises.
Incentives for the Staff
Type of Incentive
Small Enterprises Medium Enterprises Total
Number % Number % Number %
Bonus 23 71.88 29 90.63 52 81.25
Promotion in job 9 28.13 25 78.13 34 53.13
Commission 14 43.75 16 50.00 30 46.88
Tour package 10 31.25 13 40.63 23 35.94
Provision training 2 6.25 10 31.25 12 18.75
Excellence certificate 2 6.25 4 12.50 6 9.38
Increase in salary 0 0.00 1 3.13 1 1.56
Health care/ Health insurance 0 0.00 1 3.13 1 1.56
Provision of gift/ prize 3 9.38 0 0.00 3 4.69
Total 32 100.00 32 100.00 64 100.00
๏‚— The marketing strategies of SMEs were started from
building brand image of the product through
advertising in TV, press, radio, magazine, leaflet,
brochure and other outdoor activities in the developed
countries, and later on, the sales strategies came out
with sales promotion and tradeshow activities.
๏‚— Proper management is important to build a strong
sales team and influence the sales performance. Low
management performance forces the sales down. To
motivate the sales staff and other human resources,
good leadership and organization behavior are
necessary. The factors such as social impact,
economic crisis, market competition and technologies
affect sales a lot.
๏‚— In Cambodia, the sales strategies of SMEs were mostly
on direct sales force and some on annually tradeshows
activities. The sales promotions through leaflets,
brochures and word of mouth were used by the SMEs in
the country. But these were not sufficient to compete
with foreign or large firms.
๏‚— Corruption, high cost of production, lack of finance, lack
of skills and low technologies forced the SMEs in
Cambodia to have low quality products. As a result, the
SMEs faced difficulty to complete with the large and
foreign enterprises.
๏‚— แžŠ แžพแž˜แŸ’แž”แžธแžฒแŸ’แž™แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แžแŸ’แž“แžถ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡แžขแžถแž… แžถแŸ†แžŠ แžพแžšแž€แžถแžšแžšแž”แžŸแŸ‹แžแŸ’แž› แžฝแž“
แžŠแŸ…แž˜แŸ’แžปแžแŸ’ แž“แžทแž„แžขแžถแž…แž…แž…แž€แž…แžถแž™แž‘แžถแŸ†แž“แžทแž‰ แž“แžทแž„แž•แž›แžทแžแž•แž›แžšแž”แžŸแŸ‹แžแŸ’แž› แžฝแž“แž€แž“ แžปแž„แžŸแŸ’แžŸ แžปแž€-
แžŠแžŸแŸ’แŸ…แžŸแŸ’แžŸ แžปแž€แž”แžถแž“แžŠ แŸ„แŸ‡ แžšแžŠแŸ’แž‹แžถ แž—แžทแž”แžถแž› แžŸแŸ’แž€แžŸแžฝ แž„ แž˜แŸ’แž“แž‘แžธแžš แž“แžทแž„แžขแž„แž‚แž€แžถแžšแž˜แŸ’แžทแž“แž…แž˜แŸ’แž“แžšแžŠแŸ’แž‹แžถ แž—แžท
แž”แžถแž›แž… แž›แž‡แžถแžŠ แž‚แžผแž–แžถแž€แŸ‹แž–แŸแž“แž’แž‘แžถแŸ†แž„แžขแžŸแŸ‹แžŠ แŸ„แŸ‡ แžแŸ’แžแžผแžœแž™แž€แž…แžทแžแžแž‘แžปแž€แžŠแžถแž€แŸ‹ แž“แžทแž„แž‡แžฝแž™
แž‡แŸ’แžแŸ’แŸ„แž˜แŸ’แž‡แŸ’แžแŸ’แž‡แž„แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แžแŸ’แž“แžถ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„แž‡แŸ’ แŸ„แŸ‡แžŠแžผแž…แžแž‡แŸ’แŸ…แŸ–
๏‚— แž‘แžธแž˜แŸ’แžฝแž™แŸ– แžŸแžŸแŸ’แž˜แŸ’แž”แžŸแžŸแŸ’แž˜แŸ’แžฝแž›แžŸแŸ’แž”แž–แŸแž“แž’แžš แžถแž”แžถแž›แŸ” แž‚แžบแžŸแŸ’แžแžผแžœแž‡แžฝแž™แžŠแžšแŸ€แž”แž…แžถแŸ†แžŸแžถแŸ† แžป แžถแŸ†แžฏแž€แžŸแžถแžš
แž…แžปแŸ„แŸ‡แž”แž‰แŸ’แž‡ แžธแžแžถแž˜แŸ’แž•แž› แžผแžœแž…แžถแž”แŸ‹แžŠแžŠแŸ’แž‹แž™แž˜แŸ’แžทแž“แžขแžถแž„แž…แžแŸ’แŸ‚แžขแžถแž„แžแŸ’แž“แž„ แžฌแž‘แžšแž›แžปแž™แžŠแžŸแŸ’แž€แžถแž˜แŸ’แžแžป
แž… แž›แž•แž‘ แžปแž™แž–แžธแž…แžถแž”แŸ‹แž”แžถแž“แž€แžถแŸ† แžแŸ‹แžŠ แžพแž™แŸ”
๏‚— แž‘แžธแž–แžธแžšแŸ– แž•แžแž›แŸ‹แžŸแŸ’แž”แžถแž€แŸ‹แž€แžถแŸ†แž…แžธแžŠแžŠแŸ’แž‹แž™แž˜แŸ’แžทแž“แž™แž€แž€แžถแžšแžŸแŸ’แž”แžถแž€แŸ‹ แž›แŸ‹แžขแžถแž‡แžธแžœแž€แžšแžแŸ’แž“แž“ แžแžแžผแž…-
แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡แŸ” แž˜แŸ’แžทแž“แžŸแŸ’แžแžนแž˜แŸ’แž…แžแž•แžแž›แŸ‹แžŸแŸ’แž”แžถแž€แŸ‹แž€แžถแŸ†แž…แžธแž”แžปแžŠแŸ’แžŽ แŸ„แŸ‡แžŠแž‘แžŸแŸ’แž€แžŸแžฝ แž„ แž˜แŸ’แž“แžแžธ แž“แžทแž„
แžŸแžถแžถ แž”แŸแž“แž–แžถแž€แŸ‹แž–แŸแž“แž’แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡แžŸแŸ’แžแžผแžœแž‡แžฝแž™แžŠแžšแŸ€แž”แž…แžถแŸ† แž…แž•แž“แž€แžถแžšแžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แžšแž”แžŸแŸ‹แžขแžถแž‡แžธแžœแž€
แžšแžแŸ’แž“แž“ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แžŠ แŸ„แŸ‡แžฒแŸ’แž™แž‘แž‘แžฝแž›แž”แžถแž“แžŠแž‡แžถแž‚แž‡แŸแž™แž…แŸ‚แž˜แŸ’แžŠแž‘แŸ€แžแž•แž„แŸ”
๏‚— แž‘แžธแž”แžธแŸ– แž•แžแž›แŸ‹แž‡แžถแž‡แžถแŸ† แž‰แž”แžŠแž…แŸแž€แžŠแž‘แžŸ แž›แŸ‹แžขแžถแž‡แžธแžœแž€แžšแžแŸ’แž“แž“ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„
แžŠ แŸ„แŸ‡ แžŠแžŠแŸ’แž‹แž™แž•แžแž›แŸ‹แž‡แžถแžœแž‚แž‚แž” แŸ’ แžป แŸ„แŸ‡แž”แŸ’แž แž›แž–แžธแžšแžŠแž”แŸ€แž”แžŠแž“แž€แžถแžšแžŸแŸ’แž‚แž”แŸ‹แžŸแŸ’แž‚แž„แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜
แžšแžŠแž”แŸ€แž”แž•แž›แžทแžแž…แžแŸ’แŸ‚แžŸแž„แŸ’แžœแžถ แž€แŸ‹แž•แž›แžทแžแž€แž˜แŸ’แž˜แžฒแŸ’แž™แž˜แžถแž“แžŸแŸ’แž”แžŸแžทแž‘แž’แž—แžถแž–แžแŸ’แž–แžŸแŸ‹ แž“แžทแž„แž•แŸ’แž›แžถ แžŸแŸ‹แž”แŸ’ แžผแžšแž”
แž‘แž–แžทแžŠแžŸแžถแž’แŸ’แž“แŸแž‡แžถแž˜แŸ’แžฝแž™แžขแžถแž‡แžธแžœแž€แžšแž… แž›แž‘แž‘แžฝแž›แž”แžถแž“แžŠแž‡แžถแž‚แž‡แŸแž™แžŠ แŸ„แŸ‡แž•แž„แž… แžšแŸ”
๏‚— แž‘แžธแž”แžฝแž“แŸ– แžŸแŸ’แžแžผแžœแž”แž‰แŸ’แŸ’ แžป แŸ„แŸ‡แžแžŠแž˜แŸ’แžถแžŠแžŸแŸ’แž”แž„แžŸแžถแžถแŸ†แž„ แž“แžทแž„แž‘แžนแž€แžŠแž—แžถแžพแž„ แžŠ แžพแž˜แŸ’แž”แžธแžฒแŸ’แž™แžขแžถแž‡แžธ
แž€แž˜แŸ’แž˜แžแŸ’แž“แž“ แžแžแžผแž…-แž’แŸ’แž˜แŸ’แž™แž˜แŸ’แžŠ แŸ„แŸ‡ แžขแžถแž…แž˜แžถแž“แž›แž‘แž’แž—แžถแž– แžถแŸ†แžŠ แžพแžšแž€แžถแžš
แž•แž›แžทแžแž€แž˜แŸ’แž˜แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แžšแž”แžŸแŸ‹แžแŸ’แž› แžฝแž“แž”แžถแž“แžŠแžŠแŸ’แž‹แž™แž„แŸ’แžœแž™แžŸแŸ’แžŸแžฝแž› แž“แžทแž„แžขแžถแž…
แžŸแŸ’แž”แž€แžฝแžแžŸแŸ’แž”แž…แž‡แž„แžแžŠแž˜แŸ’แžถแžŠแž›แžพแž‘แžธแž•แžถแžšแž•แž„แž… แžšแŸ”
๏‚— แž‘แžธแžŸแŸ’แž”แžถแžถแŸ†แŸ– แžšแž€แž‘แžธแž•แžถแžšแžŸแžŸแŸ’แž˜แžถแž”แŸ‹ แž…แž…แž€แž…แžถแž™แž‘แžถแŸ†แž“แžทแž‰ แž“แžทแž„แž•แž›แžทแžแž•แž›แžฒแŸ’แž™
แž”แžถแž“แžŸแŸ’แž‚แž”แŸ‹แžŸแŸ’แžถแž“แŸ‹ แž›แŸ‹แžŸแŸ’แž€ แžปแž˜แŸ’แžขแžถแž‡แžธแžœแž€แžšแžแŸ’แž“แž“ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡
แž“แžทแž„แž˜แŸ’แžทแž“แžŸแŸ’แžแžผแžœแž”แžŠแŸ’แž แž™แžฒแŸ’แž™แžˆแŸ’แž˜ แžฝแž‰แž€แŸ’แž แž›แž‘แž˜แžถแžถ แž€แŸ‹แžŠแŸ‚แžถแžแžถแž˜แŸ’แž…แžทแžแžแž”แžถแž“
แžŠ แŸ„แŸ‡แžŠแž‘แŸ”
๏‚— แž‘แžธแžŸแŸ’แž”แžถแžถแŸ†แž˜แŸ’แžฝแž™แŸ– แžŸแŸ’แžแžผแžœแž˜แžถแž“แž™แž“แžแž€แžถแžšแžŸแŸ’แž‚แž”แŸ‹แžŸแŸ’แž‚แž„แž–แž“แž’แžŠแŸ’แž‹แžšแžŠแž›แžพแžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜
แžแŸ’แž“แž“ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แžŠ แŸ„แŸ‡ แžŠแžŠแŸ’แž‹แž™แž˜แŸ’แžทแž“แž™แž€แž–แž“แž’แžŠแŸ’แž‹แžšแžŸแžŸแŸ’แž˜แžถแž”แŸ‹แžขแžถแž‡แžธแžœ
แž€แž˜แŸ’แž˜แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡แžŠแž‘ แžฌแž™แž€แžŠแŸ‚แžถแž–แž“แž’แžŠแŸ’แž‹แžšแžŠ แŸ„แŸ‡แž€แž“ แžปแž„แž€แžŸแŸ’แž˜แŸ’แžทแžแž‘แž”แž”แžถแŸ†แž•แžปแž
แž“แžทแž„แžŸแŸ’แžแžผแžœแž‘แž”แŸ‹แžŸแžถแžถ แžแŸ‹แž˜แŸ’แž“แŸ’แžแž“แžแžธแž€แžปแž„แžŸแŸ’แžแžผแž›แž‡แž‡แžปแŸ„แŸ‡แž… แž›แž™แž€แž›แžปแž™แžแžถแž˜แŸ’ แž„แž•แž› แžผ
แž„แž•แž„แž… แžšแŸ•
แžขแžแžถแžŸแŸ’แž”แžŠแŸ„แž‡แž“แŸโ€‹แž… แž›โ€‹แžขแž“แž€แž“แžนแž„โ€‹แž‘แž‘แžฝแž›แž”แžถแž“โ€‹แžŠแŸ…แžŠแž–แž›โ€‹แž… แž›โ€‹แžขแž“แž€โ€‹แžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แž•แŸ’แž›แž‘ แž›แŸ‹
แž˜แžถแž“ แžผแž…แž‡แžถโ€‹แŸ–
๏‚— แžแŸ’แžถแž€แŸ‹แž…แžถแŸ†แžŽแžผ แž›โ€‹แž˜แŸ’แžทแž“โ€‹แž€แžถแŸ†แžŽแžแŸ‹
แžŠแŸ…แžŠแž–แž›โ€‹แž… แž›โ€‹แžขแž“แž€โ€‹แžŠแž’แŸ’แžถแžพแž€แžถแžšโ€‹แžฑแŸ’แž™โ€‹ แžขแž“แž€ แžŠแž‘ แžŸแŸ’แž”แžถแž€แŸ‹แž…แžถแŸ† แžผ แž›โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แžŸแŸ’แžแžผแžœแž”แžถแž“โ€‹แž€แžŸแŸ’แž˜แŸ’แžทแžโ€‹แžŠแŸ…แžแžถแž˜แŸ’โ€‹
แžšแž… โ€‹แžŸแž˜แŸ’แž–แŸแž“แž’โ€‹แžŸแŸ’แž”แžถแž€แŸ‹ แž…แžแŸ’โ€‹แž… แž›โ€‹ แžขแž“แž€โ€‹แžŠแž’แŸ’แžถแžพโ€‹แŸ” แž”แžปแž…แž“แžโ€‹แž€แžถแžšแžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžขแž“แž€โ€‹แž“แžนแž„โ€‹แž˜แžถแž“โ€‹แžŸแŸ’แž”แžถแž€แŸ‹โ€‹
แž…แžถแŸ† แžผ แž›โ€‹แž˜แŸ’แžทแž“โ€‹แž€แžถแŸ† แžแŸ‹โ€‹แŸ” แžŸแŸ’แž”แžถแž€แŸ‹แž…แžถแŸ† แžผ แž›โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แžŸแŸ’แžแžผแžœโ€‹แž”แžถแž“โ€‹แž—แžถแž‡ แž”แŸ‹โ€‹แžŠแŸ…โ€‹แž“แžนแž„โ€‹แž€แžŸแŸ’แž˜แŸ’แžทแžโ€‹แž€แžถแžšแž„แŸ’แžœแžšโ€‹แž“แžทแž„โ€‹แž—แžถแž–โ€‹
แžŠแž…แž“แžŸแŸ’แž”แžŒแžทแžโ€‹แž… แž›โ€‹แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแžŸแŸ’แž”แžพโ€‹แžœแžถโ€‹แžŠแŸ…โ€‹แž‡แžถโ€‹แž€แžถแžšแž•แŸ‚แž–แžถแž•แžถแž™โ€‹แž“แžทแž„โ€‹แž€แžถแžšแžœ แžทแžœแžแžแž“แŸโ€‹แžŠแž“โ€‹ แž•แž›แžทแžแž•แž› แžŠแžŸแžœแžถแž€แž˜แŸ’แž˜
แžฌโ€‹แž‚แžถแŸ† แžทแžโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แŸ” แž˜แŸ’แžทแž“แž…แž˜แŸ’แž“โ€‹แžšแžถแž›แŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžแžผแž…แŸ—โ€‹แžŸแžปแž‘แž’แž…แžโ€‹แžขแžถแž…โ€‹แžšแž€โ€‹แžŸแŸ’แž”แžถแž€แŸ‹แž…แžถแŸ† แžผ แž›โ€‹แž”แžถแž“โ€‹แžŠ แŸ„แŸ‡โ€‹
แžŠแž‘ แž… แž›โ€‹แžŠแž“แŸ„แŸ‡โ€‹แž‚แžบแž‡แžถโ€‹แž แžถแž“แžทแž—แŸแž™โ€‹แž˜แŸ’แžฝแž™โ€‹แž… แž›โ€‹แžขแžถแž‡แžธแžœแž€แžšโ€‹แžŸแŸ’แž‚แž”แŸ‹แžšแžผแž”โ€‹แž‚แžฝแžšแž…แžโ€‹ แžนแž„ แž”แžปแž…แž“แžโ€‹แžŸแŸ’แž”แžŸแžทแž“แžŠแž”แžพโ€‹แžขแž“แž€โ€‹แžขแžถแž…โ€‹
แžŠแž’แŸ’แžถแžพแžฑแŸ’แž™โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹ แžถแŸ†แžŠ แžพแžšแž€แžถแžšแž”แžถแž“ แžŠ แŸ„แŸ‡โ€‹แžขแž“แž€แž“แžนแž„โ€‹แž…แž›แž„โ€‹แžแŸ’แžถแž›แŸ‹โ€‹แž–แžธโ€‹แžŠแžšแžฟแž„โ€‹แžŸแŸ’แž”แžถแž€แŸ‹แž…แžถแŸ† แžผ แž›โ€‹แž… แž›โ€‹
แžŸแŸ’แžแžผแžœแž”แžถแž“โ€‹แž€แžถแŸ† แžแŸ‹โ€‹แžŠแžŠแŸ’แž‹แž™โ€‹แžŠแŸ…แž แžถแžถ แž™ แž™โ€‹แžŠแž‘แŸ€แžแžŠ แžพแž™โ€‹แŸ”
๏‚— แžŸแžปแžœแžแžแžทแž—แžถแž–โ€‹แž€แžถแžšแž„แžถแžšโ€‹
แžŠแŸ…แžŠแž–แž›โ€‹แžŠแžŸ แžถแž€แžทแž…แŸโ€‹แž’แŸ’แž›แžถ แž€แŸ‹โ€‹แž…แžปแŸ„แŸ‡ แž‚แžบโ€‹แž‡แžถโ€‹แžŠแž–แž›โ€‹แž… แž›โ€‹แžขแžŸแŸ’แžแžถโ€‹แžขแž“แž€แžถแž˜ แž“แž€แžถแžšแž„แŸ’แžœแžšโ€‹แžŠแž’แŸ’แžถแžพโ€‹แžŠแž€แžพแž“แžŠ แžพแž„โ€‹แŸ” แž€แžถแžšแžŠแž’แŸ’แžถแžพโ€‹
แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž•แŸ’แž›แž‘ แž›แŸ‹โ€‹แžขแžถแž…โ€‹แž’แŸ’แž› โ€‹แžŸแžปแžœแžแžถแžทแž—แžถแž–โ€‹แž€แžถแžšแž„แŸ’แžœแžšโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹ แŸ” แžŠแž”แžพแžŠแž‘แŸ„แŸ‡แž”แžธแž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœ
แž€แž˜แŸ’แž˜โ€‹แžŸแŸ’แžแžผแžœโ€‹แžแŸ’แžถแž›แŸ‹โ€‹แž–แžธโ€‹แž”แž‰แŸ’แž แžถ โ€‹แžŠแžŸ แžถแž€แžทแž…แŸ แž“แžทแž„โ€‹แžŸแŸ’แžแžผแžœโ€‹แžŸแŸ’แž”แžˆแŸ’แž˜แŸ’แž˜แŸ’แžปแžแŸ’โ€‹แž“แžนแž„โ€‹แž€แžถแžšแžŠ แžพแž„โ€‹แž…แžปแŸ„แŸ‡โ€‹แžŠแž“โ€‹แžŠแžŸ แžถแž€แžทแž…แŸโ€‹ แžผแž…โ€‹แžขแž“แž€โ€‹
แžŠแž‘โ€‹แž€แŸแž–แžทแžแž…แž˜แŸ’แž“ แž”แžปแž…แž“แžโ€‹แžขแž“แž€โ€‹แž˜แŸ’แžทแž“แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹แžแŸ’แžถแž›แŸ‹โ€‹แž–แžธโ€‹แž€แžถแžšโ€‹แžŸแŸ’แžแžผแžœแžŠแž‚โ€‹แžŠ แž‰โ€‹แžŠแž…แž‰โ€‹แžฌโ€‹แž”แž‰แŸ’แžˆแž”แŸ‹โ€‹แž€แžถแžšแž„แŸ’แžœแžšโ€‹แž‡แžถโ€‹ แž”
แžŠแŸ’แž แŸ„แŸ‡แžขแžถแžŸแž“แž“โ€‹แžŠ แŸ„แŸ‡โ€‹แžŠแž‘โ€‹แŸ”โ€‹
๏‚—
๏‚— แž‡แŸ’แžŸแžš แžธแž—แžถแž–โ€‹แž€แž“ แžปแž„โ€‹แž€แžถแžšแž‡แŸ’แžšแŸ€แž”แž…แžถแŸ†โ€‹แž‡แŸ’แž–แž›แž‡แŸ’แžœแž›แžถ
๏‚—
แž€แžถแžšแžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžš แžธแž€แžšแžถแž™โ€‹แž“แžนแž„โ€‹แž€แžถแžšโ€‹แž˜แžถแž“โ€‹แž€แžŸแŸ’แž˜แŸ’แžทแžโ€‹แžŠแžŸแžš แžธแž—แžถแž–โ€‹แžแŸ’แž–แžŸแŸ‹โ€‹แž€แž“ แžปแž„โ€‹
แž€แžถแžšแžŠแžšแŸ€แž”แž…แžถแŸ†โ€‹แžŠแž–แž›แžŠแžœแž›แžถโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แž‡แžถแž„โ€‹แžŠแž–แž›โ€‹แž… แž›โ€‹แžขแž“แž€โ€‹แžŠแž’แŸ’แžถแžพแž€แžถแžšโ€‹แžฑแŸ’แž™โ€‹แžขแž“แž€ แžŠแž‘โ€‹แŸ” แžขแž“แž€โ€‹แžขแžถแž…โ€‹
แž…แžถแŸ†แŸ’แž™โ€‹แžŠแž–แž›โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แžŠแŸ…แžŠแž›แžพโ€‹แž€แžถแžšแž™แž€แž…แžทแžแžแž‘แžปแž€แžŠแŸ’แž‹แž€แŸ‹โ€‹แžŠแž›แžพโ€‹แž‘แžถแŸ†แž“แžฝแž›โ€‹แžแŸ’แžปแžŸโ€‹แžŸแŸ’แžแžผแžœโ€‹ แž“แžทแž„โ€‹
แž€แžถแžแž–แžถแž€แžทแž…แŸโ€‹แž•แŸ’แž›แž‘ แž›แŸ‹โ€‹แžแŸ’แž› แžฝแž“โ€‹แžŸแŸ’แž”แžŸแžทแž“แžŠแž”แžพโ€‹แžขแž“แž€โ€‹แž…แž„แŸ‹โ€‹แŸ” แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแž’แŸ’แžถแžพแž€แžถแžšโ€‹ แž›แŸ‹โ€‹แž™แž”แŸ‹โ€‹แžŠแžŸแŸ’แŸ…โ€‹แžŠแžŠแŸ’แž‹แž™โ€‹แž•แŸ’แž›โ€‹
แžŸแžปแž€แž—แžถแž–โ€‹แžŠแŸ…โ€‹แž€แž“ แžปแž„โ€‹แž•แž‘แŸ„แŸ‡โ€‹แžšแž”แžŸแŸ‹แžขแž“แž€ แžŠ แžพแž™โ€‹แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแžŸแŸ’แž€แžถแž€โ€‹แž–แžธโ€‹แžŠแž‚แž„โ€‹แž™แžบแžโ€‹แž‡แžถแž„โ€‹แž’แŸ’แž˜แŸ’แž˜แžแžถโ€‹
แž”แž“แžแžทแž…โ€‹แžŠแŸ…โ€‹แžŠแž–แž›โ€‹แžŸแŸ’แž–แžนแž€โ€‹แŸ” แžแžถแžšแžถแž„โ€‹แžŠแž–แž›แžŠแžœแž›แžถโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แžŸแžถ แžทแžโ€‹แž€แž“ แžปแž„โ€‹แž€แŸ’แž แž”แŸ‹แžŠ โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€
แžŠ แžพแž™โ€‹แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแž’แŸ’แžถแžพแž€แžถแžšโ€‹แžŠแŸ…โ€‹แžแžถแž˜แŸ’โ€‹แžŠแž–แž›แžŠแžœแž›แžถโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แŸ”
๏‚— แž€แžถแžšแžแŸ’แžšแž”แŸ‹แžแŸ’แžšแž„โ€‹แž€แžถแžšแž„แžถแžš
แž€แžถแžšแžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแž‚แž…แžŠแž…แž‰โ€‹แž–แžธโ€‹แž—แžถแž–โ€‹แžแžถแž“แžแžนแž„ (แžŠแž“แŸ’แžแžŸแž โ€‹แžŸโ€‹) แžŠแž“โ€‹แžŠแžถแž›
แž€แžถแžš แŸโ€‹แž€แž“ แžปแž„แž€แžถโ€‹แžš แžทแž›แŸแž™โ€‹แŸ” แžŠแžŠแŸ’แž‹แž™แžŸแžถแžšโ€‹แž…แžโ€‹แžขแž“แž€โ€‹แž‚แžบแž‡แžถโ€‹แž˜แŸ’แž“แžปแžŸแŸ‚โ€‹แž… แž›โ€‹แž˜แžถแž“โ€‹แžแžถแŸ† แž… แž„โ€‹แž’แŸ’แžถแŸ†แž‡แžถแž„แžŠแž‚โ€‹
แž€แž“ แžปแž„โ€‹แžŸแŸ’แž€ แžปแž˜แŸ’ แžปแž“ แžขแž“แž€โ€‹แž˜แŸ’แžทแž“โ€‹แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹แžŸแŸ’แž–แžฝแž™แž”แžถแžšแž˜แŸ’แž—โ€‹แž–แžธโ€‹แž€แžถแžšแž–แžถแŸ„แž˜แŸ’โ€‹แžŸแž…แž˜แŸ’แžแž„โ€‹แžŠแŸ…แž˜แŸ’แžปแžแŸ’โ€‹แž˜แŸ’แžทแžแžโ€‹แžšแžฝแž˜แŸ’โ€‹
แž€แžถแžšแž„แŸ’แžœแžš แžฌโ€‹แž€แžถแžšโ€‹แž…แžขแž”แžขแž”โ€‹แžแŸ’แž“แž“ แž€แŸ‹แžŠแž›แžพโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€แžŠ แŸ„แŸ‡โ€‹แžŠแž‘โ€‹แŸ” แžถแž˜ แž“โ€‹แž€แž„แžถแž›แŸ‹โ€‹แž‘แžถแŸ†แž„แžขแžŸแŸ‹แžŠแž“แŸ„แŸ‡ แžขแž“แž€โ€‹
แžขแžถแž…โ€‹แž…แžถแŸ†แŸ’แž™โ€‹แž€แžถแžšแž™แž€แž…แžทแžแžแž‘แžปแž€แžŠแŸ’แž‹แž€แŸ‹แžšโ€‹แž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แž‘แžถแŸ†แž„โ€‹แžŸแŸ’แžŸ แžปแž„โ€‹แžŠแŸ…แžŠแž›แžพโ€‹แž€แžถแžšแžœ แžทแžœแžแžแž“แŸโ€‹ แžšแž”แžŸแŸ‹โ€‹
แžŸแŸ’แž€ แžปแž˜แŸ’ แžปแž“ แž“แžทแž„โ€‹แžŠแž’แŸ’แžถแžพแžฑแŸ’แž™โ€‹แž•แž›แžทแžแž•แž›โ€‹แžฌโ€‹แžŠแžŸแžœแžถแž€แž˜แŸ’แž˜โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แž€แžถแž“แŸ‹ แž…แžโ€‹แžŸแŸ’แž”แžŠแžŸแžพแžšโ€‹แžŠ แžพแž„โ€‹แŸ”
๏‚— แž‡แžถแŸ†แž แžถแž“โ€‹แž…แžถแŸ†แžถแž…แŸ‹โ€‹แž‡แŸ’แž–แž›โ€‹แž‡แŸ’แŸ’แžŠแžพแž˜แŸ’โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžแŸ’แž“แžถ แžโ€‹แžแžผแž…
แž€แžถแžšโ€‹แžŠแž•แžŠแžพแž˜แŸ’โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แŸ’ แžแŸ’แž“แž“ แžโ€‹แžแžผแž…โ€‹แžแžŸแŸ’แž˜แŸ’แžผแžœโ€‹แžฒแŸ’แž™โ€‹แž˜แžถแž“โ€‹แž€แžถแžšโ€‹แžแžถแžถแŸ†แž„โ€‹แž…แžทแžแžโ€‹แžแŸ’แž–แžŸแŸ‹ แž€แžถแžšโ€‹
แžŠแž›แžพแž€โ€‹แž‘แžนแž€แž…แžทแžแž แž“แžทแž„โ€‹แž™แž›แŸ‹ แžนแž„โ€‹แž–แžธโ€‹แž•แž› แžผแžœโ€‹ (แž™แžปแž‘แž’แžŸแžถแž“แŸ’แžแžŸแž ) แž… แž›โ€‹แžŸแŸ’แžแžผแžœโ€‹แžŠแž’แŸ’แžถแžพโ€‹ แžถแŸ†แžŠ แžพแžšโ€‹
แžŠแŸ’แž– แŸ„แŸ‡โ€‹โ€‹โ€‹โ€‹แžšแž€โ€‹แž—แžถแž–โ€‹แžŠแž‡แžถแž‚แž‡แŸแž™แŸ” แžแŸ’แž“แž„โ€‹แžŠแžŸแŸ’แž€แžถแž˜แŸ’โ€‹โ€‹แžŠแž“แŸ„แŸ‡โ€‹ แž‡แžถโ€‹แž‚แž“แžถแžนแŸ„แŸ‡โ€‹แžแŸ’แžถแžธแŸ—โ€‹โ€‹ แžŸแžŸแŸ’แž˜แžถแž”แŸ‹โ€‹แžŸแŸ’แž”แžท
แž™แž˜แŸ’แžทแžแž แž˜แŸ’แžทแžแžโ€‹แž™แžปแžœแžœแŸแž™โ€‹แž… แž›โ€‹แž…แž„แŸ‹โ€‹โ€‹แžŠแž”แžพแž€โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžŠแžŠแŸ’แž‹แž™โ€‹แžแŸ’แž› แžฝแž“โ€‹แžฏแž„โ€‹โ€‹แžŠ แžพแž˜แŸ’แž”แžธโ€‹แž‡แžถโ€‹โ€‹โ€‹
แž‘แžปแž“โ€‹แž‚แžถแŸ†แž“แžทแžโ€‹โ€‹โ€‹โ€‹แž…แžŸแžถ แž„โ€‹แž™แž›แŸ‹โ€‹โ€‹โ€‹แž–แžธโ€‹แžขแžถแžธโ€‹แž… แž›โ€‹แžŸแŸ’แžแžผแžœโ€‹แžŠแž’แŸ’แžถแžพโ€‹แžŠ แžพแž˜แŸ’แž”แžธโ€‹แž‡แžฝแž™โ€‹โ€‹แžฒแŸ’แž™โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แŸ‚แž˜แžธโ€‹แžŠ แŸ„แŸ‡
แž‘แž‘แžฝแž›โ€‹แžŠแž‡แžถแž‚แž‡แŸแž™แŸ”
๏‚— แž€แžถแŸ†แžŽแžแŸ‹โ€‹แžฑแž€แžถแžŸโ€‹แž˜แŸ’แžปแžโ€‹แž‡แžถแŸ†แž“แžฝแž‰โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแŸ’แžถแž€แŸ– แž€แžถแžšโ€‹แžŠแžŸแŸ’แž‡แžพแžŸแžŠแžš แžธแžŸโ€‹แžŸแŸ’แž”แžŠแž—แž‘โ€‹แž˜แŸ’แžปแžแŸ’โ€‹
แž‡แžถแŸ†แž“แžฝแž‰ แžŠ แžพแž˜แŸ’แž”แžธโ€‹แž…แžถแž”แŸ‹โ€‹แžŠแž•แžŠแžพแž˜แŸ’โ€‹แž‡แžถโ€‹แžŠแžšแžฟแž„โ€‹แž˜แŸ’แžฝแž™โ€‹ แŸโ€‹แž›แžถแŸ†แž”แžถแž€โ€‹ แžŠแžŸแŸ’แž–แžถแŸ„แŸ‡โ€‹แžŠแžแžถแž„โ€‹แžฒแŸ’แž™โ€‹แžŠแž™แžพแž„โ€‹
แžŸแžทแž€แžถโ€‹แž…แžŸแžถ แž„โ€‹แž™แž›แŸ‹โ€‹แž–แžธโ€‹แžฑแŸ’แž€แžถแžŸโ€‹แžŠแž“โ€‹แž˜แŸ’แžปแžแŸ’โ€‹แž‡แžถแŸ†แž“แžฝแž‰โ€‹แžŠ แŸ„แŸ‡แŸ” แžŸแŸ’แžแžผแžœโ€‹ แžนแž„โ€‹โ€‹แžแŸ’แž“ แžŠแžแžพโ€‹แžขแž“แž€โ€‹
แžŸแŸ’แžŸแžกแžถแž‰แŸ‹โ€‹แž…แžผแž›แž…แžทแžแžโ€‹แžขแžถแžธโ€‹แž‡แžถแž„โ€‹แžŠแž‚แŸ” แžŠแžŸแŸ’แŸ…โ€‹แž–แžธโ€‹แžŠแž“แŸ„แŸ‡โ€‹แžขแž“แž€โ€‹แž€แŸโ€‹แžŸแŸ’แžแžผแžœโ€‹ แžนแž„โ€‹แž… แžšโ€‹แžแŸ’แž“โ€‹แžขแžถแž‡แžธแžœ
แž€แž˜แŸ’แž˜ แž… แž›โ€‹แžขแž“แž€โ€‹แž…แž„แŸ‹โ€‹แžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž„แŸ’แžœแž”แŸ‹ (แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž… แž›โ€‹แžœ แžทแžœแžแžแž“แŸโ€‹แžแžทแž…โ€‹
แžแžฝแž… แžฌโ€‹แž˜แŸ’แžทแž“โ€‹แžœ แžทแžœแžแžแž“แŸโ€‹แž‘แžถแŸ†แž„โ€‹แžŸแŸ’แžŸ แžปแž„) แžฌโ€‹แž‡แžถโ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžšแžŸแŸ‹ (แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž… แž›โ€‹
แžขแžถแž…โ€‹แžš แžธแž€โ€‹แž›แžผ แžแž›แžถแžŸแŸ‹โ€‹แž”แžถแž“โ€‹แžŠแž›แžฟแž“)แŸ”
๏‚— แž‡แŸ’แž’แŸ’แžœแžพโ€‹แžšแž‡แŸ’แžแŸ’แŸ„แž„โ€‹แž‡แŸ’แŸ’แž“แž€แžถแžšแŸ– แžŸแŸ’แž‚แž”แŸ‹โ€‹แž€แžถแžšโ€‹แž…แžถแž”แŸ‹โ€‹แžŠแž•แžŠแžพแž˜แŸ’ แž‘แžถแŸ†แž„โ€‹แžขแžŸแŸ‹โ€‹ แž€แžถแžšโ€‹แžŠแž’แŸ’แžถแžพโ€‹
แž‚แžŠแžŸแŸ’แž˜แžถแž„โ€‹แž‡แžฝแž™โ€‹แžฒแŸ’แž™โ€‹แžขแž“แž€โ€‹แž™แž›แŸ‹ แžนแž„โ€‹แž€แžถแž“แŸ‹โ€‹แž…แžโ€‹แžŠแžŸแŸ’แŸ…โ€‹แž–แžธโ€‹แžšแž… แžŸแž˜แŸ’แž–แŸแž“แž’โ€‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜
แžŠ โ€‹แž‚แžผแžŸแŸ’แž”แž€แžฝแžโ€‹แžŸแŸ’แž”แž…แž‡แž„ แž“แžทแž„โ€‹แžŠ แžพแž˜แŸ’แž‘แžปแž“โ€‹แž… แž›โ€‹แžแžŸแŸ’แž˜แŸ’แžผแžœแŸ” แžŠแž”แžพโ€‹แžŸแŸ’แž€แžŠ แž€โ€‹แžŠแž˜แŸ’แžพแž›โ€‹แž€แžถแžšโ€‹
แžŸแžทแž€แžถโ€‹แž˜แŸ’แžฝแž™โ€‹แž… แž›โ€‹แž”แžถแž“โ€‹แžŠแž›แžพแž€โ€‹แžŠ แžพแž„โ€‹แž€แž“ แžปแž„โ€‹แžŠแžŸแŸ€แžœแžŠแŸ… โ€œBusiness Plans For
Dummiesโ€ แžŠแžŠแŸ’แž‹แž™โ€‹แžŠแž›แžถแž€ Paul Tiffany แž€แŸโ€‹แž”แžถแž“โ€‹แž“แžทแŸ„แž™โ€‹แž… แžšโ€‹แžŸแŸ’แž€ แžปแž˜แŸ’ แžปแž“โ€‹
แž‘แžถแŸ†แž„โ€‹แžกแžถแž™โ€‹แŸ’โ€‹แž… แž›โ€‹โ€‹โ€‹แž˜แžถแž“โ€‹แž‚แžŠแžŸแŸ’แž˜แžถแž„โ€‹แž…แž•แž“แž€แžถแžšโ€‹แž…แžถแžŸแŸ‹โ€‹แž›แžถแžŸแŸ‹ แžŠ แŸ„แŸ‡โ€‹แž“แžนแž„โ€‹
แž˜แžถแž“โ€‹แžฑแŸ’แž€แžถแžŸโ€‹แž‘แž‘แžฝแž›โ€‹แž”แžถแž“โ€‹แž…แžถแŸ† แžผ แž› แŸฅแŸ % แžŠแžŸแŸ’แž…แžพแž“โ€‹แž‡แžถแž„โ€‹แžŸแŸ’แž€ แžปแž˜แŸ’ แžปแž“โ€‹แž… แž›โ€‹แž˜แŸ’แžทแž“โ€‹
แž˜แžถแž“แŸ”
๏‚— แž‡แŸ’แžŸแžœ แž„แžšแž€โ€‹แžแžœ แžทแž€แžถแŸ– แž‡แžถโ€‹แžŠแžšแžฟแž„โ€‹โ€‹แž… แž›โ€‹แž˜แŸ’แžทแž“โ€‹แžขแžถแž…โ€‹โ€‹แžแŸ’แžถแŸ„แŸ‡แž”แžถแž“แŸ” แž€แžถแžšโ€‹แž…แžŸแžถ แž„แžšแž€โ€‹
แŸ‚แžœ แžทแž€แžถโ€‹ แž‡แžถโ€‹แž…แž•แž“แž€โ€‹แž˜แŸ’แžฝแž™โ€‹โ€‹แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹แž‡แžถแž„แžŠแž‚ แžŠ แžพแž™โ€‹แžœ แžทแž’แŸ’แžธแžŸแžถแž“แŸ’แžแžŸแž โ€‹แžŠแž“แŸ„แŸ‡โ€‹แžแŸ’แžปแžŸโ€‹แž…แž”แžถแž€โ€‹แž–แžธโ€‹
แž˜แžถแž“ แž€แŸ‹โ€‹แžŠแŸ…โ€‹แž˜แžถแž“ แž€แŸ‹แŸ” แžŠแžแžพโ€‹แžŸแŸ’แž”แž—แž–โ€‹แŸ‚แžœ แžทแž€แžถโ€‹แžŸแŸ’แž”แžŠแž—แž‘โ€‹แŸ’ แž… แž›โ€‹แžŸแž˜แŸ’โ€‹แž“แžนแž„โ€‹แž˜แŸ’แžปแžแŸ’โ€‹
แž‡แžถแŸ†แž“แžฝแž‰โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€? แžŸแŸ’แž”แž—แž–โ€‹แž‘แžถแŸ†แž„โ€‹แžŠ แŸ„แŸ‡โ€‹แžขแžถแž…โ€‹แž‡แžถ แžšแž”แžŸแŸ‹โ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹
แž•แŸ’แž›แž‘ แž›แŸ‹โ€‹ แž–แžธโ€‹โ€‹แž˜แŸ’แžทแžแžแž—แŸแž€แžŠแžท แž“แžทแž„โ€‹แžŸแž˜แžถแž‡แžทแž€โ€‹แž€แž“ แžปแž„โ€‹โ€‹แžŸแŸ’แž€ แžปแž˜แŸ’โ€‹แžŸแŸ’แž‚แžฝแžŸแžถแžš แž–แžธโ€‹แžŠ แž‚แžผโ€‹แžœ แžทแž“แžทแžŠแŸ„แž‚
แž€แž˜แŸ’แŸแžธโ€‹ แžทแžšแž‰แŸ’แž‰ แž”แž”แž‘แž“ แžฌโ€‹แž€แž˜แŸ’แž˜แžœ แžทแž’แŸ’แžธโ€‹แžงแž”แžแžถแž˜แŸ’แž—โ€‹โ€‹แž‡แžถแžŠ แžพแž˜แŸ’แŸ”
๏‚— แžŠแžถแž€แŸ‹แž‡แŸ’แŸ’แž˜ แŸ„แŸ‡โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แŸ– แž€แžถแžšโ€‹แžŠแžŸแŸ’แž‡แžพแžŸโ€‹แžŠแŸ’แž˜ แŸ„แŸ‡โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹ แŸโ€‹แžŸแŸ’แžแžนแž˜แŸ’แžŸแŸ’แžแžผแžœโ€‹ แžขแžถแž…โ€‹แž‘แž‰โ€‹
แž…แžถแŸ†แŸ’แž”แŸ‹โ€‹แžขแžถแžšแž˜แŸ’แž˜ แŸโ€‹แžขแžแžทแŸ‚แžทแž‡แž“โ€‹แžฒแŸ’แž™โ€‹แž…แžถแž”แŸ‹โ€‹แžขแžถแžšแž˜แŸ’แž˜ แŸโ€‹แž˜แŸ’แž€โ€‹แžŠแž›แžพโ€‹แžŠแžŸแžœแžถแž€แž˜แŸ’แž˜ แžฌโ€‹แž•แž›แžทแžแž•แž›โ€‹
แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€แŸ” แž‡แžถโ€‹แž‘แžผแžŠแŸ…โ€‹แžแžถแž˜แŸ’โ€‹แžŸแŸ’แž”แž—แž–โ€‹แž˜แŸ’แžฝแž™โ€‹แž…แžถแŸ†แž“แžฝแž“โ€‹แžŠแž›แžพแž€โ€‹แžŠ แžพแž„โ€‹แžแŸ’แž“โ€‹ แžŠแŸ’แž˜ แŸ„แŸ‡โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹โ€‹โ€‹
แž‚แžฝแžšโ€‹แž…แžโ€‹โ€‹โ€‹แžแŸ’แžถแžธโ€‹ แž„แŸ’แžœแž™โ€‹แžŸแŸ’แžŸแžฝแž›โ€‹แž…แžถแžถแŸ†โ€‹ แžแŸ’แžปแžŸโ€‹แž…แž”แžถแž€โ€‹แž–แžธโ€‹แžขแž“แž€โ€‹ แžŠแž‘โ€‹ แž“แžทแž„โ€‹โ€‹โ€‹แž‘แž€แŸ‹โ€‹แž‘แž‰แŸ”
แžŸแžปแžถแŸ†โ€‹โ€‹แžขแžถแŸ„แžถ แž”แŸแžŽแžŽ แŸ– แžŸแŸ’แžแžผแžœโ€‹แž…แžปแŸ„แŸ‡โ€‹แžŠแŸ’แž˜ แŸ„แŸ‡โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž‡แžถแž˜แŸ’แžฝแž™โ€‹แžขแžถแž‡แžถแžถ แž’แŸ’แžšโ€‹โ€‹แž–แžถแž€แŸ‹โ€‹แž–แŸแž“แž’แŸ”
๏‚— แž€แžถแŸ†แžŽแžแŸ‹โ€‹แž‘แžธแžแžถแŸ†แž„โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แŸ– แž€แžถแžšโ€‹แžŠแžŸแŸ’แž‡แžพแžŸแžŠแžš แžธแžŸโ€‹แž‘แžธแžแžถแžถแŸ†แž„โ€‹โ€‹ แŸโ€‹แžŸแŸ’แžแžนแž˜แŸ’โ€‹แžŸแŸ’แžแžผแžœ แž“แžนแž„โ€‹แžขแžถแž…โ€‹แž‡แžฝแž™โ€‹
แžฒแŸ’แž™โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹โ€‹แž‘แž‘แžฝแž›โ€‹แžŠแž‡แžถแž‚แž‡แŸแž™โ€‹แž”แžถแž“โ€‹แžš แŸแžŸแŸ” แž‘แžธแžแžถแžถแŸ†แž„โ€‹แžขแžถแž…โ€‹แžŠแŸ…โ€‹โ€‹แž‘แžธโ€‹แžŸแŸ’แž”แž‡แžปแžถแŸ†แžŸแŸ’แž”แž‡แž“โ€‹
แž•แž› แžผแžœโ€‹แž…แž€แž„ แžฌโ€‹แž…แž€แž”แžšโ€‹แž•แž› แžผแžœโ€‹แžŸแŸ’แž”แžŸแž–แžถโ€‹โ€‹แž‡แžถโ€‹แžŠ แžพแž˜แŸ’แŸ” แžŠแžŸแŸ’แŸ…โ€‹แž–แžธโ€‹แž€แžถแžšโ€‹แžŠแžŸแŸ’แž‡แžพแžŸแžŠแžš แžธแžŸโ€‹แž‘แžธแžแžถแžถแŸ†แž„ แžŸแŸ’แžแžผแžœโ€‹โ€‹แž‘แžทแž‰โ€‹
แžŸแž˜แžถแž— แžšแŸˆโ€‹แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹แžŸแžŸแŸ’แž˜แžถแž”แŸ‹โ€‹แž€แžถแžš แžทแŸ„แž›แŸแž™ แž“แžทแž„โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แž€แžถแžšโ€‹แžšแž… โ€‹แž‘แžธโ€‹แž€แž…แž“แžถแž„โ€‹แžฒแŸ’แž™โ€‹
แž˜แžถแž“โ€‹แž—แžถแž–โ€‹แž‘แž€แŸ‹โ€‹แž‘แž‰โ€‹แž€แŸโ€‹โ€‹แž€แžถแžšโ€‹แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹ แžผแž…แžถแž“ แŸ”
๏‚— แžŸแž„แžƒแžนแž˜แŸ’โ€‹แžแŸ’แž“ แž…แžถแŸ† แžป แž…โ€‹แž… แž›โ€‹แž”แžถแž“โ€‹แžŠแžšแŸ€แž”แžšแžถแž”แŸ‹โ€‹แžแŸ’แž“แž„แžŠแž›แžพโ€‹แž“แžนแž„โ€‹แž‡แžฝแž™โ€‹แž•แžŠแž›แŸ‹โ€‹แž‡แžถโ€‹แž‚แžถแŸ†แž“แžทแžโ€‹
แž…แžถแŸ†แžŠแž–แžถแŸ„แŸ‡โ€‹แžขแž“แž€โ€‹แž‘แžถแŸ†แž„โ€‹แžกแžถแž™โ€‹แž… แž›โ€‹แž…แž„แŸ‹โ€‹แž…แžถแž”แŸ‹โ€‹แžŠแž•แžŠแžพแž˜แŸ’โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แŸ‚แž˜แžธโ€‹แž˜แŸ’แžฝแž™โ€‹ แž›แŸ‹โ€‹แžแŸ’แž› แžฝแž“โ€‹แžฏแž„แŸ•
1. Education and Skill
2. Prepare Strategic Plan aHead
3. Creating Business Network
4. Financial Support / Financial Assess
5. Creating Specialize bank for SMEs
6. The loan from Government will help
แžšแž”แžถ แž€แžถแžšแžŽแŸแžšแž”แŸแŸ‹แžแŸ’แž€แŸ’แŸแžฝแž„แžงแŸแžถแž แž€แŸ’แž˜แž˜ แžŸแŸ’แžšแŸ‰แŸ‚ แž“แžทแž„แžแžถแž˜แž–แž› แž”แžถแž“แž”แž„แŸ’แž แžถ แž‰แžแžถ แžŸแŸ…แž†แŸ’แž“ แžถแŸ†แŸขแŸ แŸกแŸข แž€แŸ’แž˜แž–แžปแž‡แžถ แž˜แžถแž“แžŸแžšแžถแž„แž…แžแŸ’แž€แŸ’แŸ’แžถแŸ†แžแŸ’แž”แž˜แžถแžŽ แŸจแŸฅแŸ แžŸแžšแžถแž„แž…แžแŸ’แž€แŸ’ แžŸแŸ’แžŠแž›แž…แžถแŸ†แž“แžฝแž“แžŸแž“แŸแŸ‡แž”แžŸแž„แž€แžพแžแž€แžถแžšแž„แŸ’แž แžšแž”แžถแž“แž‡แžถแž„ แŸฅแŸฆแž˜แžปแŸ‰แžบแž“แž“แžถแž€แŸ’แŸ‹แŸ” แž”แžปแžŸแŸ’แž“แž
แž˜แžผแž›แžŠแŸ’แž‹แžถ แž“แžงแŸแžถแž แž€แŸ’แž˜แž˜แžแžผแž… แž“แžทแž„แŸแžทแž”แž”แž€แŸ’แž˜แž˜ แž˜แžถแž“แž…แžถแŸ†แž“แžฝแž“แž‡แžถแž„ แŸฃแž˜แžปแŸ‰แžบแž“ แŸจแž–แžถแž“แŸ‹แž˜แžผแž›แžŠแŸ’แž‹แžถ แž“ แž”แžŸแž„แž€แžพแžแž€แžถแžšแž„แŸ’แž แžšแž”แžถแž“แžแŸ’แž”แž˜แžถแžŽแž‡แžทแž แŸขแžŸแŸ’แŸแž“แž“แžถแž€แŸ’แŸ‹ แžŸแŸ’แžŠแž›แžœแžทแŸแŸ แž‘แžถแŸ†แž„แžŸแž“แŸแŸ‡แž•แž›แžทแžแž”แžถแž“แž€แŸ’แž“แžปแž„แžแž˜แŸ’แž˜แŸ‚ แŸฆแž–แžถแž“แŸ‹แž›แžถแž“แžŠแžปแž›แžถแŸ‚ แžšแžขแžถแžŸแž˜แžšแžทแž€แŸ’ แž“แžทแž„
แž€แžถแžšแž“แžถแžถแŸ†แžŸแž…แž‰แž˜แžถแž“แž…แžถแŸ†แž“แžฝแž“ แŸคแž–แžถแž“แŸ‹แž›แžถแž“แžŠแžปแž›แžถแŸ‚ แžšแŸ” แžแžฝแžŸแž›แžแžŸแž“แŸแŸ‡แž”แž‰แŸ’แž‡แžถ แž€แŸ’แŸ‹แžแžถ แž˜แžผแž›แžŠแŸ’แž‹แžถ แž“แžงแŸแžถแž แž€แŸ’แž˜แž˜แžแžผแž… แž“แžทแž„แž˜แŸ’แž™แž˜ แžแžถแŸ†แžŽแžถแž„แžฒแŸ’แž™ แŸฉแŸจ% แž˜แŸ’แž“แž˜แžผแž›แžŠแŸ’แž‹แžถ แž“แž•แž›แžทแžแž€แŸ’แž˜แž˜แŸแžšแžปแž” แž—แžถแž‚แžŸแžแŸ’แž…แžพแž“แžแŸ’แž‚แž”แŸ‹แžแŸ’แž‚แž„แž‡แžถแž›แž€แŸ’แžแžŽแŸˆแžแŸ’แž‚แžฝแžŸแžถแžšแŸ•

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Chapter 2 sales and marketing strategy of sm es

  • 1. SMALL AND MEDIUM ENTERPRISES (SMEs): SALES AND MARKETING STRATEGY Chapter 2 Sales and Marketing SMEs Prepared Prof. (Dr.) Kao Kveng Hong Ph.D., D.Litt., D.Sc. Date: 06th July, 2014
  • 2.
  • 3. โ€ข Marketing strategy = Target Market +4Ps โ€ข แž˜แžปแž“แž“แžนแž„แž•แž›แžทแžแž•แž›แžทแžแž•แž› แžซ แž•แžแž›แŸ‹แžŸแŸแžœแžถ แžŸ แžพแž„แžแŸ’แžแžผแžœ แž›แŸ‹แžŸแŸ…แž€แŸ’แž“แžปแž„ 4Ps แžŸแž“แŸแŸ‡แž‡แžถแž˜แžปแž“แŸแžทแž“แŸ” โ€ข แž•แž›แžทแžแž•แž› (Product) แžŸ แžพแž„แžแŸ’แžแžผแžœแžŸแŸ’แŸแŸ‚แž„ แž›แŸ‹แž–แžธ แžขแžแžทแžแžทแž‡แž“แžแžถแžŸแžแžพแžขแžแžทแž‡แž“ แžแŸ’แžแžผแžœแž€แžถแžšแž•แž›แžทแžแž•แž› แžŠแžผแž…แžŸแž˜แžแž… ? แžŸแžแžพแžแŸ’แžแžผแžœแžŸแŸ’แŸ‚แžพแžšแžถแž„แžŸแŸ… แžŠแžผแž…แžŸแž˜แžแž…แžŸ แžพแž”แžแŸ’แžแžผแžœแž…แžทแžแž แžขแžแžทแžแžทแž‡แž“ แžซ แžขแžแžทแžแžทแž‡แž“แžŸแž–แž‰แž…แžทแžแž? แžŸแžแžพแžขแžแžทแžแžทแž‡แž“ แžŸแžแŸ’แž”แžพ แžœแžถแžŠแžผแž…แžŸแž˜แžแž… แž“แžทแž„แžŸแŸ… แžธแž€แŸ’แžŸแŸ’แž“แŸ‚แž„แžŽแžถ?
  • 4. ๏‚— Sales and Marketing relationship: ๏‚  Selling is an art and not a science, Necessary skills can be increased by analysis and training. ๏‚  Personal selling is the part of Marketing, called marking which is complemented by advertising and sales promotion. ๏‚  Without marketing one would not have prospects or leads to follow up with, but yet without a good sales technique and strategy, closing rate of a seller may depress him. The key to success in marketing and in sales is balance (Lake, 2008) . ๏‚  The purpose of marketing is doing everything to reach and persuade prospects. The sales process is doing everything to close the sale and get a signed agreement or contract.
  • 5. ๏‚— Sales and Marketing Relationship ๏‚  The sales process consists of interpersonal interaction - cold calls and networking. ๏‚  If marketing is done effectively salespeople can begin to move that prospect from a cold to a warm lead, and hot at the final. It's all about balance (ibid). ๏‚  As defined by Manning and Reece (2004), the strategic marketing plan should be a guide for a strategic selling plan. The plan includes the strategy that you use to position yourself with your customer before the sales call even begins.
  • 6. ๏‚—SMEsโ€™ Marketing and Marketing Plan ๏‚  Marketing and sales are the two complementary functions of any successful business. It needs to promote, advertise and sell the products or services to potential customers. ๏‚  The business requires a target marketing strategy and a team of sales representative to provide service clients (DDD, 2006).
  • 7. There are four steps of marketing plan that SMEs should know ๏‚  Determine the needs of the customers (market research) ๏‚  Analyze the competitive advantages (marketing strategy) ๏‚  Select specific markets to provide service (target marketing) ๏‚  Determine how to satisfy those needs (market mix)- (John et al., 1988). ๏‚  SMEs has the web and link to the search engine, and advertising in TV, radio, magazine and newspapers (Sam, 2007). ๏‚  The SMEs marketing strategy built the brand image and brand loyalty can support the sales strategies of SMEs on more tactics to improve the sales.
  • 8. ๏‚— Two-thirds of SMEs employers were lacking in Marketing experiences. No formal training on customer care and sales (Loudhouse, 2007). ๏‚— The following is the most common methods applied by SMEs of consumer and food products in various countries for communicate their brand: ๏‚  Consumers meetings: ๏‚  Invitations letters: ๏‚  Printing and distribution of leaflets: ๏‚  Article at Mass media ๏‚  Advertisements: ๏‚  Direct marketing: They can use the market or shop itself for a forum for person-to- person marketing of their products. ๏‚  Word of mouth: ๏‚  Field visits: Many organizations organize regular meetings between consumers and producers. ๏‚  Consumer newsletter ๏‚  Display information and photographs ๏‚  Participation in trade and food fairs Another important means of communication is the Productโ€™s packaging and logo. Packaging should be attractive and be in line with the identity of the products. (IFOAM, 2003).
  • 9. ๏‚— Cohort marketing refers to all the marketing activities that market their products to cohort target of people to gain the dividends for their company. ๏‚— It assumes that cohorts are greatly influenced by certain events taking place in their generation. ๏‚— A marketer who can recognize this difference and use it to market his product can reap rich dividends (Kotler, 2006). ๏‚— Cohort marketing is useful in tracking the customerโ€™s actual purchase and what is important to him/her (ibid).
  • 10. ๏‚— Sales strategy is the planning of sales activities such as methods of reaching clients, competitive differences and resources available. ๏‚— A strategic selling is a carefully conceived plan that is needed to accomplish a sales objective (Zahorsky, 2007). ๏‚— Zahorsky (2007) developed his triple-tiered sales strategy of SMEs as follows: ๏‚  Tier 1: Association: establish a relationship. ๏‚  Tier 2: Suppliers: Identify who sell to your customer. Learn their challenges and look for partnering solutions. ๏‚  Tier 3: Customer: Work directly with customer and ask them what their needs are and if your business may offer a possible solution. ๏‚— the sales strategies will actually be supported by marketing strategies (Jobber, 1997). ๏‚— the success in personal selling rest on the critical ability to create value for customers.
  • 11. ๏‚— Kawasaki (2007), said that sales strategies are most important for new SMEs. The basic sales tactical choices of SMEs are: Sales promotion, Advertising, Public relations, Printed materials, Personal Selling. ๏‚— SMEsโ€™ sales strategies begin from the process of effective selling skills to the contacting of all the intermediaries (retailer and wholesalers, etcโ€ฆ). Then convince the intermediaries to sell the product or display the product on the shelves. ๏‚— Moreover, to make solution of sales problem and convince the intermediaries to accept the products, SMEs must provide the advertisings, public relations and marketing activities to support and build brand image of the products. help the sellers and intermediaries easy to sell the product to final consumers.
  • 12. ๏‚— SMEs must spend the big budget to do the sales and marketing activities such as advertising, sales promotion, personal selling, etc. ๏‚— SMEs mostly get a fight back from the bigger firms by a host of marketing action such as sales with attractive prices, after sale service, warranties, etc. They can fight back with low cost and create more value for customers (Lim et al., 2000). ๏‚— Singapore, the bigger firms were able to use the mass media via television, along with their strong sales tactics; they could dominant in huge market share. The small is limitation of financial forces, SMEs had to be contented with promotion through newspapers, magazines, flyers, radio, and word of mouth.
  • 13. ๏‚— Many SMEs got success by differentiated themselves sufficiently from the bigger firms by adapting to suit the local tastes or preferences. ๏‚— Manning and Reece in 2004 said โ€œIn the past, a salesperson could succeed by communicating value. Today, partnerships are established and maintained only when the salesperson creates customer value within the sales processโ€. ๏‚— To avoid provoke in the price war, SMEs maintained the same prices of the large firmsโ€™ prices
  • 14. ๏‚— Hartley (1989) said that the most common key for motivating sales representative and sales agents were commission. Ex: Singapore, Thailand, etc...(Lim et al., 2000). ๏‚— The supported keys for sales strategies of SMEs in Iran were standardized products and promotion strategies as first priority and the second priority was on wholesaler, distribution or network, and pricing. ๏‚— The research of Nordstrand and Ohman in 2005 showed that the successful SMEs were taking the initiatives to Adapt to consumer demands, setting right price, tradeshow and promotion could support the sales tactics and strongly improve sales volume.
  • 15. ๏‚— The study also showed that a short distribution channel, and thereby short distribution time, led to increase sales for SMEs. ๏‚— In Sweden, SMES used promotion by brochures, tradeshows activities, homepage creation and relationship selling to achieve the sales target. TV and Radio were not used much for the image branding (Nordstrand and Ohman, 2005). ๏‚— Training, education and other sales activities were found significant and has got greatest portion in sales volume for SMEs (Afzal, 2007). ๏‚— In the social activities, such as wedding and funeral ceremonies were the occasions for keeping personal contacts and developing relationship, which would help for having good business in future to the entrepreneurs.
  • 16. ๏‚— The success of sales strategy is based on sales forces that include technologies, good salespersons and customersโ€™ satisfaction. ๏‚— Towers Perrin indicated that using technology (e-commerce), finding and keeping good salespeople (appropriate individual), and fixating on customers (customer relationship) were the most important factor resulting sales force success (ID, 2001).
  • 17. โ€ข LeBoeuf Michael says โ€œEvery companyโ€™s greatest assets are its customers, because without customers there is no companyโ€ (DDD, 2006). โ€ข To find out new customers, it is necessary to spend budgets and time to create marketing activities leading to sales strategy and the results are not exactly positive. Maintaining the existing customers means that maintaining the incomes โ€ข The existing customersโ€™ relationship and building customersโ€™ loyalty will return the huge volume sales revenues
  • 18. ๏‚— Culture is defined as a set of values and beliefs that permeates the organization. It usually emanates from a single person, the leader of the team. ๏‚— Jonathan , says โ€œSales management is covering from creating sales culture in an organization to how to hold a decent sales meeting. It takes on old problem and put forward active, tangible solutions that are both plausible and devastatingly simpleโ€. ๏‚— Jim Sahka, says โ€œwe hire more โ€˜Aโ€™ players, increase every oneโ€™s selling skill, and create a sense of urgency- resulting in 40 per cent quarter- over- quarter growthโ€ (ibid). ๏‚— Proactive sales manager needs to focus on the culture, because the sales culture is as being like the infrastructure of a successful team and company. All things will fall out from being a culture- creator.
  • 19. ๏‚— It was found that motivation was a key to an organizationโ€™s survival and prosperity (Rana, 2004). ๏‚— Different people are influenced in different ways according to their stages in their careers, their gender and the level of existing rewards. ๏‚— the idea to motivation mix, which represents the combination of factors to be considered including training, leadership skills, remuneration, and incentive, management controls and feed back mechanisms. These factors, which managers can influence and control, will affect individualsโ€™ to work and, ultimately their job performance (Jobber, 1997).
  • 20. ๏‚— Corruption and bureaucracy, The World Bank Report (August 12, 2004) on investment environment in Cambodia showed that four fifth of the private companies equaled to 800 enterprises in Cambodia mentioned that it was necessary to bribe to do business in Cambodia. ๏‚— Selling with dumping prices of the smuggling imported products caused many problems to the domestic products as well as influenced the sales strategies of the enterprises selling those products. ๏‚— The wholesalers dominated the prices of the products produced by local manufacturers. ๏‚— The producers tried to unite as an association to maintain the stability of prices, yet the effort was failed because of lack of knowledge and experiences.
  • 21. ๏‚— The fluctuation of Thai Bath and Vietnamese Dong currencies in term of Cambodian Riel, mostly influenced the increase in the prices of consumer products and lowered the level of sales revenue and sometime, they were required to sell in the most competitive prices (Archarya, 2002). ๏‚— To compete with the imported Thai and others countriesโ€™ goods, Cambodian products need standard quality basis. The production location should be closed to the resources where available, and this would make the low production cost and, therefore, they could sell cheaply. Sometime they needed to pay the informal payment to the police for their distribution. ๏‚— However, the producers felt reluctant about the future of the market whether they could keep their standing or not because of the lack of quality machine for making standard products, the lack of international standard labor forces and skills, the loss in competition in the region, and high cost of operation on marketing activities such as marketing event, sales activities, sales strategy and advertisement (ibid).
  • 22. ๏‚— The producers complained that Cambodia had become the expensive economy because of high electricity cost, high transportation cost, and informal payment. ๏‚— Debt payment of the intermediaries was a big problem for the business owners because the producers needed money to continue their next operations. ๏‚— Macroeconomic components such as dollarization, gross national product (GNP) and level of income also had effect on sales strategy and market in the country. ๏‚— SME Cambodia always advertised by word of mouth with some sales tactics and strategy in brief of unprofessional business plans.
  • 23. ๏‚— Due to the high cost of advertisement, the sales promotion to increase sales was done by flyers, word of mouth and internet which were supported by CCC. ๏‚— The success of SMEs were due to teamwork capacity building and differentiation the products from others. ๏‚— Many manufactures had failed because of low technologies and techniques, lack of production skills, and high cost of input. These caused decrease in the standard of production and increase in the prices of the productions.
  • 24. ๏‚— Small and medium enterpriseโ€™s success is based on sales strategies and marketing campaigns. The success of sales forces and marketing campaigns have depended on how team members have devoted their efforts and worked together to promote the optimum productivities (MPDF, 2004). ๏‚— FCB (Cambodia) Co., Ltd, The research showed that 60 per cent of the companies, comprising of small, medium and large firms, were situated in Phnom Penh. ๏‚— The percentage of consumers having powers to purchase consumer products in Phnom Penh was 60 and in provinces was only 40. SMEs owner agreed that consumersโ€™ goods especially foods and beverages had a very large sales volume in Phnom Penh, i.e., about 60 per cent (FCB, 2006). ๏‚— ๏‚— The local market of small enterprises (SEs) was very limited in Cambodia: ๏‚  Not so supported by the local people and ๏‚  The sales in the market were dominated by the imported and medium firmsโ€™ products. ๏‚  The late debt payment by the retailers and wholesalers, ๏‚  Did not have their own professional sales strategies, marketing activities, advertising and business plans. They sold the products through word of mouths announcements (CCC, 2005).
  • 25. ๏‚— FCB Cambodia Co., Ltd. showed that the medium enterprises (MEs) were finding difficulty to compete in the market because of smuggling activities and unlawful business operation. They had more clear-cut sales strategy, marketing tactics and business plan than the small enterprises. ๏‚— MEs had better technologies and skills to produce the standard quality products than the SEs. One more thing was that the MEs had the more budgets to make advertisement, attract impression, build brand image and stimulate sales (FCB, 2007).
  • 26. ๏‚— The sales expectations: there were no considerable differences between small and medium enterprises with regard to their sales expectations during the special sales periods such as Seven January Day, etc... ๏‚— On the whole, most of the surveyed small and medium enterprises were benefitted increasing their sales due to their promotion activities during the above periods. ๏‚— The most periods that consumer spent a lot are: Khmer New Year, Chinese New Year, Pchum Ben Day, Water Festival Day, Christmas Day, and International New Year Day.
  • 27. ๏‚— Except the two sales strategies i.e., โ€˜Buy more and then get more special discountโ€™ and โ€˜Special Discount for Wholesalerโ€™, in all the other seven sales strategies, there were significant differences between small and medium enterprises. ๏‚— Medium enterprises were found to be more benefitted from the sales strategies compared to small enterprises during the special periods. ๏‚— the sales expectations of SMEs during different special periods shows that the difference between small and medium enterprises was not significant due to their sales strategies. ๏‚— Both the small and medium enterprises used different sales strategies to promote their sales during the special periods. ๏‚— This is clear from the achievements in the sales expectations of the SMEs during the special periods and on different sales strategies used by the SMEs in the special periods.
  • 28. ๏‚— Both small and medium enterprises is using different kinds of push and pull sales tactics. ๏‚— But more percentage of medium enterprises was following different push and pull sales tactics as compared to small enterprises. ๏‚— Except the sales tactics โ€˜sponsoring the equipment for product displayโ€™ and โ€˜ distributing discounted couponโ€™, in all the other 10 push and pull sales tactics cases, the percentage of medium enterprises using these sales tactics was more than that of the small enterprises. ๏‚— The small enterprises were at a lower level in applying the professional push and pull sales tactics as compared to medium enterprises.
  • 29. ๏‚— Both small and medium enterprises used push and pull sales tactics such as Sponsoring the Equipment for Product Display, Trading Off the Old Products before Launching the New Products, Providing Advertising Support, Providing Added Value to Intermediary, Providing Sample Sales Materials or Tools, Making Intermediary Meeting, Distributing Discounted Coupon, Giving Special Discount, Providing Incentive Prize, Providing Sample Product, Providing Compound Products and Making Lucky Draw in the study area. ๏‚— But the percentage of medium enterprises using push and pull sales tactics was more compared to small enterprises.
  • 30. ๏‚— In order to motivate the sales staff, the SMEs in the study area provided the incentives like giving bonus, promoting the staff in his/her job, giving commission, providing tour package, providing training, giving certificate of excellence, increasing the salary, giving gift/prize and providing health care/health insurance services to the staff. ๏‚— But the percentage of medium enterprises providing these services to the staff was more than that of small enterprises.
  • 31. Creation of Activities and Participation in Events โ€ข The Some strategies are using by SMEs, such as Participating in Trade Fairs, Distributing Leaflets, Advertorial and Press Release through Mass Media, Conducting Advertising Campaign, Making Direct Marketing, Selling through Agent or Distributor, Providing Product Warranty, Satisfying Customers for Word of Mouth Advertisement and Facilitating Field Visit for Customers, on creation of activities and participation in events were used by small and medium enterprises. โ€ข Except the sales strategy โ€˜Facilitating Field Visit for Customersโ€™, in the cases of other above mentioned sales strategies, the medium enterprises were found to be using more compared to small enterprises.
  • 32. Incentives for the Staff Type of Incentive Small Enterprises Medium Enterprises Total Number % Number % Number % Bonus 23 71.88 29 90.63 52 81.25 Promotion in job 9 28.13 25 78.13 34 53.13 Commission 14 43.75 16 50.00 30 46.88 Tour package 10 31.25 13 40.63 23 35.94 Provision training 2 6.25 10 31.25 12 18.75 Excellence certificate 2 6.25 4 12.50 6 9.38 Increase in salary 0 0.00 1 3.13 1 1.56 Health care/ Health insurance 0 0.00 1 3.13 1 1.56 Provision of gift/ prize 3 9.38 0 0.00 3 4.69 Total 32 100.00 32 100.00 64 100.00
  • 33. ๏‚— The marketing strategies of SMEs were started from building brand image of the product through advertising in TV, press, radio, magazine, leaflet, brochure and other outdoor activities in the developed countries, and later on, the sales strategies came out with sales promotion and tradeshow activities. ๏‚— Proper management is important to build a strong sales team and influence the sales performance. Low management performance forces the sales down. To motivate the sales staff and other human resources, good leadership and organization behavior are necessary. The factors such as social impact, economic crisis, market competition and technologies affect sales a lot.
  • 34. ๏‚— In Cambodia, the sales strategies of SMEs were mostly on direct sales force and some on annually tradeshows activities. The sales promotions through leaflets, brochures and word of mouth were used by the SMEs in the country. But these were not sufficient to compete with foreign or large firms. ๏‚— Corruption, high cost of production, lack of finance, lack of skills and low technologies forced the SMEs in Cambodia to have low quality products. As a result, the SMEs faced difficulty to complete with the large and foreign enterprises.
  • 35. ๏‚— แžŠ แžพแž˜แŸ’แž”แžธแžฒแŸ’แž™แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แžแŸ’แž“แžถ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡แžขแžถแž… แžถแŸ†แžŠ แžพแžšแž€แžถแžšแžšแž”แžŸแŸ‹แžแŸ’แž› แžฝแž“ แžŠแŸ…แž˜แŸ’แžปแžแŸ’ แž“แžทแž„แžขแžถแž…แž…แž…แž€แž…แžถแž™แž‘แžถแŸ†แž“แžทแž‰ แž“แžทแž„แž•แž›แžทแžแž•แž›แžšแž”แžŸแŸ‹แžแŸ’แž› แžฝแž“แž€แž“ แžปแž„แžŸแŸ’แžŸ แžปแž€- แžŠแžŸแŸ’แŸ…แžŸแŸ’แžŸ แžปแž€แž”แžถแž“แžŠ แŸ„แŸ‡ แžšแžŠแŸ’แž‹แžถ แž—แžทแž”แžถแž› แžŸแŸ’แž€แžŸแžฝ แž„ แž˜แŸ’แž“แž‘แžธแžš แž“แžทแž„แžขแž„แž‚แž€แžถแžšแž˜แŸ’แžทแž“แž…แž˜แŸ’แž“แžšแžŠแŸ’แž‹แžถ แž—แžท แž”แžถแž›แž… แž›แž‡แžถแžŠ แž‚แžผแž–แžถแž€แŸ‹แž–แŸแž“แž’แž‘แžถแŸ†แž„แžขแžŸแŸ‹แžŠ แŸ„แŸ‡ แžแŸ’แžแžผแžœแž™แž€แž…แžทแžแžแž‘แžปแž€แžŠแžถแž€แŸ‹ แž“แžทแž„แž‡แžฝแž™ แž‡แŸ’แžแŸ’แŸ„แž˜แŸ’แž‡แŸ’แžแŸ’แž‡แž„แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แžแŸ’แž“แžถ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„แž‡แŸ’ แŸ„แŸ‡แžŠแžผแž…แžแž‡แŸ’แŸ…แŸ– ๏‚— แž‘แžธแž˜แŸ’แžฝแž™แŸ– แžŸแžŸแŸ’แž˜แŸ’แž”แžŸแžŸแŸ’แž˜แŸ’แžฝแž›แžŸแŸ’แž”แž–แŸแž“แž’แžš แžถแž”แžถแž›แŸ” แž‚แžบแžŸแŸ’แžแžผแžœแž‡แžฝแž™แžŠแžšแŸ€แž”แž…แžถแŸ†แžŸแžถแŸ† แžป แžถแŸ†แžฏแž€แžŸแžถแžš แž…แžปแŸ„แŸ‡แž”แž‰แŸ’แž‡ แžธแžแžถแž˜แŸ’แž•แž› แžผแžœแž…แžถแž”แŸ‹แžŠแžŠแŸ’แž‹แž™แž˜แŸ’แžทแž“แžขแžถแž„แž…แžแŸ’แŸ‚แžขแžถแž„แžแŸ’แž“แž„ แžฌแž‘แžšแž›แžปแž™แžŠแžŸแŸ’แž€แžถแž˜แŸ’แžแžป แž… แž›แž•แž‘ แžปแž™แž–แžธแž…แžถแž”แŸ‹แž”แžถแž“แž€แžถแŸ† แžแŸ‹แžŠ แžพแž™แŸ” ๏‚— แž‘แžธแž–แžธแžšแŸ– แž•แžแž›แŸ‹แžŸแŸ’แž”แžถแž€แŸ‹แž€แžถแŸ†แž…แžธแžŠแžŠแŸ’แž‹แž™แž˜แŸ’แžทแž“แž™แž€แž€แžถแžšแžŸแŸ’แž”แžถแž€แŸ‹ แž›แŸ‹แžขแžถแž‡แžธแžœแž€แžšแžแŸ’แž“แž“ แžแžแžผแž…- แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡แŸ” แž˜แŸ’แžทแž“แžŸแŸ’แžแžนแž˜แŸ’แž…แžแž•แžแž›แŸ‹แžŸแŸ’แž”แžถแž€แŸ‹แž€แžถแŸ†แž…แžธแž”แžปแžŠแŸ’แžŽ แŸ„แŸ‡แžŠแž‘แžŸแŸ’แž€แžŸแžฝ แž„ แž˜แŸ’แž“แžแžธ แž“แžทแž„ แžŸแžถแžถ แž”แŸแž“แž–แžถแž€แŸ‹แž–แŸแž“แž’แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡แžŸแŸ’แžแžผแžœแž‡แžฝแž™แžŠแžšแŸ€แž”แž…แžถแŸ† แž…แž•แž“แž€แžถแžšแžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แžšแž”แžŸแŸ‹แžขแžถแž‡แžธแžœแž€ แžšแžแŸ’แž“แž“ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แžŠ แŸ„แŸ‡แžฒแŸ’แž™แž‘แž‘แžฝแž›แž”แžถแž“แžŠแž‡แžถแž‚แž‡แŸแž™แž…แŸ‚แž˜แŸ’แžŠแž‘แŸ€แžแž•แž„แŸ” ๏‚— แž‘แžธแž”แžธแŸ– แž•แžแž›แŸ‹แž‡แžถแž‡แžถแŸ† แž‰แž”แžŠแž…แŸแž€แžŠแž‘แžŸ แž›แŸ‹แžขแžถแž‡แžธแžœแž€แžšแžแŸ’แž“แž“ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„ แžŠ แŸ„แŸ‡ แžŠแžŠแŸ’แž‹แž™แž•แžแž›แŸ‹แž‡แžถแžœแž‚แž‚แž” แŸ’ แžป แŸ„แŸ‡แž”แŸ’แž แž›แž–แžธแžšแžŠแž”แŸ€แž”แžŠแž“แž€แžถแžšแžŸแŸ’แž‚แž”แŸ‹แžŸแŸ’แž‚แž„แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžšแžŠแž”แŸ€แž”แž•แž›แžทแžแž…แžแŸ’แŸ‚แžŸแž„แŸ’แžœแžถ แž€แŸ‹แž•แž›แžทแžแž€แž˜แŸ’แž˜แžฒแŸ’แž™แž˜แžถแž“แžŸแŸ’แž”แžŸแžทแž‘แž’แž—แžถแž–แžแŸ’แž–แžŸแŸ‹ แž“แžทแž„แž•แŸ’แž›แžถ แžŸแŸ‹แž”แŸ’ แžผแžšแž” แž‘แž–แžทแžŠแžŸแžถแž’แŸ’แž“แŸแž‡แžถแž˜แŸ’แžฝแž™แžขแžถแž‡แžธแžœแž€แžšแž… แž›แž‘แž‘แžฝแž›แž”แžถแž“แžŠแž‡แžถแž‚แž‡แŸแž™แžŠ แŸ„แŸ‡แž•แž„แž… แžšแŸ”
  • 36. ๏‚— แž‘แžธแž”แžฝแž“แŸ– แžŸแŸ’แžแžผแžœแž”แž‰แŸ’แŸ’ แžป แŸ„แŸ‡แžแžŠแž˜แŸ’แžถแžŠแžŸแŸ’แž”แž„แžŸแžถแžถแŸ†แž„ แž“แžทแž„แž‘แžนแž€แžŠแž—แžถแžพแž„ แžŠ แžพแž˜แŸ’แž”แžธแžฒแŸ’แž™แžขแžถแž‡แžธ แž€แž˜แŸ’แž˜แžแŸ’แž“แž“ แžแžแžผแž…-แž’แŸ’แž˜แŸ’แž™แž˜แŸ’แžŠ แŸ„แŸ‡ แžขแžถแž…แž˜แžถแž“แž›แž‘แž’แž—แžถแž– แžถแŸ†แžŠ แžพแžšแž€แžถแžš แž•แž›แžทแžแž€แž˜แŸ’แž˜แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แžšแž”แžŸแŸ‹แžแŸ’แž› แžฝแž“แž”แžถแž“แžŠแžŠแŸ’แž‹แž™แž„แŸ’แžœแž™แžŸแŸ’แžŸแžฝแž› แž“แžทแž„แžขแžถแž… แžŸแŸ’แž”แž€แžฝแžแžŸแŸ’แž”แž…แž‡แž„แžแžŠแž˜แŸ’แžถแžŠแž›แžพแž‘แžธแž•แžถแžšแž•แž„แž… แžšแŸ” ๏‚— แž‘แžธแžŸแŸ’แž”แžถแžถแŸ†แŸ– แžšแž€แž‘แžธแž•แžถแžšแžŸแžŸแŸ’แž˜แžถแž”แŸ‹ แž…แž…แž€แž…แžถแž™แž‘แžถแŸ†แž“แžทแž‰ แž“แžทแž„แž•แž›แžทแžแž•แž›แžฒแŸ’แž™ แž”แžถแž“แžŸแŸ’แž‚แž”แŸ‹แžŸแŸ’แžถแž“แŸ‹ แž›แŸ‹แžŸแŸ’แž€ แžปแž˜แŸ’แžขแžถแž‡แžธแžœแž€แžšแžแŸ’แž“แž“ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡ แž“แžทแž„แž˜แŸ’แžทแž“แžŸแŸ’แžแžผแžœแž”แžŠแŸ’แž แž™แžฒแŸ’แž™แžˆแŸ’แž˜ แžฝแž‰แž€แŸ’แž แž›แž‘แž˜แžถแžถ แž€แŸ‹แžŠแŸ‚แžถแžแžถแž˜แŸ’แž…แžทแžแžแž”แžถแž“ แžŠ แŸ„แŸ‡แžŠแž‘แŸ” ๏‚— แž‘แžธแžŸแŸ’แž”แžถแžถแŸ†แž˜แŸ’แžฝแž™แŸ– แžŸแŸ’แžแžผแžœแž˜แžถแž“แž™แž“แžแž€แžถแžšแžŸแŸ’แž‚แž”แŸ‹แžŸแŸ’แž‚แž„แž–แž“แž’แžŠแŸ’แž‹แžšแžŠแž›แžพแžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžแŸ’แž“แž“ แžแžแžผแž…-แž˜แŸ’แž’แŸ’แž™แž˜แŸ’แžŠ แŸ„แŸ‡ แžŠแžŠแŸ’แž‹แž™แž˜แŸ’แžทแž“แž™แž€แž–แž“แž’แžŠแŸ’แž‹แžšแžŸแžŸแŸ’แž˜แžถแž”แŸ‹แžขแžถแž‡แžธแžœ แž€แž˜แŸ’แž˜แž‘แžถแŸ†แž„แžŠ แŸ„แŸ‡แžŠแž‘ แžฌแž™แž€แžŠแŸ‚แžถแž–แž“แž’แžŠแŸ’แž‹แžšแžŠ แŸ„แŸ‡แž€แž“ แžปแž„แž€แžŸแŸ’แž˜แŸ’แžทแžแž‘แž”แž”แžถแŸ†แž•แžปแž แž“แžทแž„แžŸแŸ’แžแžผแžœแž‘แž”แŸ‹แžŸแžถแžถ แžแŸ‹แž˜แŸ’แž“แŸ’แžแž“แžแžธแž€แžปแž„แžŸแŸ’แžแžผแž›แž‡แž‡แžปแŸ„แŸ‡แž… แž›แž™แž€แž›แžปแž™แžแžถแž˜แŸ’ แž„แž•แž› แžผ แž„แž•แž„แž… แžšแŸ•
  • 37.
  • 38. แžขแžแžถแžŸแŸ’แž”แžŠแŸ„แž‡แž“แŸโ€‹แž… แž›โ€‹แžขแž“แž€แž“แžนแž„โ€‹แž‘แž‘แžฝแž›แž”แžถแž“โ€‹แžŠแŸ…แžŠแž–แž›โ€‹แž… แž›โ€‹แžขแž“แž€โ€‹แžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แž•แŸ’แž›แž‘ แž›แŸ‹ แž˜แžถแž“ แžผแž…แž‡แžถโ€‹แŸ– ๏‚— แžแŸ’แžถแž€แŸ‹แž…แžถแŸ†แžŽแžผ แž›โ€‹แž˜แŸ’แžทแž“โ€‹แž€แžถแŸ†แžŽแžแŸ‹ แžŠแŸ…แžŠแž–แž›โ€‹แž… แž›โ€‹แžขแž“แž€โ€‹แžŠแž’แŸ’แžถแžพแž€แžถแžšโ€‹แžฑแŸ’แž™โ€‹ แžขแž“แž€ แžŠแž‘ แžŸแŸ’แž”แžถแž€แŸ‹แž…แžถแŸ† แžผ แž›โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แžŸแŸ’แžแžผแžœแž”แžถแž“โ€‹แž€แžŸแŸ’แž˜แŸ’แžทแžโ€‹แžŠแŸ…แžแžถแž˜แŸ’โ€‹ แžšแž… โ€‹แžŸแž˜แŸ’แž–แŸแž“แž’โ€‹แžŸแŸ’แž”แžถแž€แŸ‹ แž…แžแŸ’โ€‹แž… แž›โ€‹ แžขแž“แž€โ€‹แžŠแž’แŸ’แžถแžพโ€‹แŸ” แž”แžปแž…แž“แžโ€‹แž€แžถแžšแžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžขแž“แž€โ€‹แž“แžนแž„โ€‹แž˜แžถแž“โ€‹แžŸแŸ’แž”แžถแž€แŸ‹โ€‹ แž…แžถแŸ† แžผ แž›โ€‹แž˜แŸ’แžทแž“โ€‹แž€แžถแŸ† แžแŸ‹โ€‹แŸ” แžŸแŸ’แž”แžถแž€แŸ‹แž…แžถแŸ† แžผ แž›โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แžŸแŸ’แžแžผแžœโ€‹แž”แžถแž“โ€‹แž—แžถแž‡ แž”แŸ‹โ€‹แžŠแŸ…โ€‹แž“แžนแž„โ€‹แž€แžŸแŸ’แž˜แŸ’แžทแžโ€‹แž€แžถแžšแž„แŸ’แžœแžšโ€‹แž“แžทแž„โ€‹แž—แžถแž–โ€‹ แžŠแž…แž“แžŸแŸ’แž”แžŒแžทแžโ€‹แž… แž›โ€‹แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแžŸแŸ’แž”แžพโ€‹แžœแžถโ€‹แžŠแŸ…โ€‹แž‡แžถโ€‹แž€แžถแžšแž•แŸ‚แž–แžถแž•แžถแž™โ€‹แž“แžทแž„โ€‹แž€แžถแžšแžœ แžทแžœแžแžแž“แŸโ€‹แžŠแž“โ€‹ แž•แž›แžทแžแž•แž› แžŠแžŸแžœแžถแž€แž˜แŸ’แž˜ แžฌโ€‹แž‚แžถแŸ† แžทแžโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แŸ” แž˜แŸ’แžทแž“แž…แž˜แŸ’แž“โ€‹แžšแžถแž›แŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžแžผแž…แŸ—โ€‹แžŸแžปแž‘แž’แž…แžโ€‹แžขแžถแž…โ€‹แžšแž€โ€‹แžŸแŸ’แž”แžถแž€แŸ‹แž…แžถแŸ† แžผ แž›โ€‹แž”แžถแž“โ€‹แžŠ แŸ„แŸ‡โ€‹ แžŠแž‘ แž… แž›โ€‹แžŠแž“แŸ„แŸ‡โ€‹แž‚แžบแž‡แžถโ€‹แž แžถแž“แžทแž—แŸแž™โ€‹แž˜แŸ’แžฝแž™โ€‹แž… แž›โ€‹แžขแžถแž‡แžธแžœแž€แžšโ€‹แžŸแŸ’แž‚แž”แŸ‹แžšแžผแž”โ€‹แž‚แžฝแžšแž…แžโ€‹ แžนแž„ แž”แžปแž…แž“แžโ€‹แžŸแŸ’แž”แžŸแžทแž“แžŠแž”แžพโ€‹แžขแž“แž€โ€‹แžขแžถแž…โ€‹ แžŠแž’แŸ’แžถแžพแžฑแŸ’แž™โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹ แžถแŸ†แžŠ แžพแžšแž€แžถแžšแž”แžถแž“ แžŠ แŸ„แŸ‡โ€‹แžขแž“แž€แž“แžนแž„โ€‹แž…แž›แž„โ€‹แžแŸ’แžถแž›แŸ‹โ€‹แž–แžธโ€‹แžŠแžšแžฟแž„โ€‹แžŸแŸ’แž”แžถแž€แŸ‹แž…แžถแŸ† แžผ แž›โ€‹แž… แž›โ€‹ แžŸแŸ’แžแžผแžœแž”แžถแž“โ€‹แž€แžถแŸ† แžแŸ‹โ€‹แžŠแžŠแŸ’แž‹แž™โ€‹แžŠแŸ…แž แžถแžถ แž™ แž™โ€‹แžŠแž‘แŸ€แžแžŠ แžพแž™โ€‹แŸ” ๏‚— แžŸแžปแžœแžแžแžทแž—แžถแž–โ€‹แž€แžถแžšแž„แžถแžšโ€‹ แžŠแŸ…แžŠแž–แž›โ€‹แžŠแžŸ แžถแž€แžทแž…แŸโ€‹แž’แŸ’แž›แžถ แž€แŸ‹โ€‹แž…แžปแŸ„แŸ‡ แž‚แžบโ€‹แž‡แžถโ€‹แžŠแž–แž›โ€‹แž… แž›โ€‹แžขแžŸแŸ’แžแžถโ€‹แžขแž“แž€แžถแž˜ แž“แž€แžถแžšแž„แŸ’แžœแžšโ€‹แžŠแž’แŸ’แžถแžพโ€‹แžŠแž€แžพแž“แžŠ แžพแž„โ€‹แŸ” แž€แžถแžšแžŠแž’แŸ’แžถแžพโ€‹ แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž•แŸ’แž›แž‘ แž›แŸ‹โ€‹แžขแžถแž…โ€‹แž’แŸ’แž› โ€‹แžŸแžปแžœแžแžถแžทแž—แžถแž–โ€‹แž€แžถแžšแž„แŸ’แžœแžšโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹ แŸ” แžŠแž”แžพแžŠแž‘แŸ„แŸ‡แž”แžธแž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœ แž€แž˜แŸ’แž˜โ€‹แžŸแŸ’แžแžผแžœโ€‹แžแŸ’แžถแž›แŸ‹โ€‹แž–แžธโ€‹แž”แž‰แŸ’แž แžถ โ€‹แžŠแžŸ แžถแž€แžทแž…แŸ แž“แžทแž„โ€‹แžŸแŸ’แžแžผแžœโ€‹แžŸแŸ’แž”แžˆแŸ’แž˜แŸ’แž˜แŸ’แžปแžแŸ’โ€‹แž“แžนแž„โ€‹แž€แžถแžšแžŠ แžพแž„โ€‹แž…แžปแŸ„แŸ‡โ€‹แžŠแž“โ€‹แžŠแžŸ แžถแž€แžทแž…แŸโ€‹ แžผแž…โ€‹แžขแž“แž€โ€‹ แžŠแž‘โ€‹แž€แŸแž–แžทแžแž…แž˜แŸ’แž“ แž”แžปแž…แž“แžโ€‹แžขแž“แž€โ€‹แž˜แŸ’แžทแž“แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹แžแŸ’แžถแž›แŸ‹โ€‹แž–แžธโ€‹แž€แžถแžšโ€‹แžŸแŸ’แžแžผแžœแžŠแž‚โ€‹แžŠ แž‰โ€‹แžŠแž…แž‰โ€‹แžฌโ€‹แž”แž‰แŸ’แžˆแž”แŸ‹โ€‹แž€แžถแžšแž„แŸ’แžœแžšโ€‹แž‡แžถโ€‹ แž” แžŠแŸ’แž แŸ„แŸ‡แžขแžถแžŸแž“แž“โ€‹แžŠ แŸ„แŸ‡โ€‹แžŠแž‘โ€‹แŸ”โ€‹ ๏‚—
  • 39. ๏‚— แž‡แŸ’แžŸแžš แžธแž—แžถแž–โ€‹แž€แž“ แžปแž„โ€‹แž€แžถแžšแž‡แŸ’แžšแŸ€แž”แž…แžถแŸ†โ€‹แž‡แŸ’แž–แž›แž‡แŸ’แžœแž›แžถ ๏‚— แž€แžถแžšแžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžš แžธแž€แžšแžถแž™โ€‹แž“แžนแž„โ€‹แž€แžถแžšโ€‹แž˜แžถแž“โ€‹แž€แžŸแŸ’แž˜แŸ’แžทแžโ€‹แžŠแžŸแžš แžธแž—แžถแž–โ€‹แžแŸ’แž–แžŸแŸ‹โ€‹แž€แž“ แžปแž„โ€‹ แž€แžถแžšแžŠแžšแŸ€แž”แž…แžถแŸ†โ€‹แžŠแž–แž›แžŠแžœแž›แžถโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แž‡แžถแž„โ€‹แžŠแž–แž›โ€‹แž… แž›โ€‹แžขแž“แž€โ€‹แžŠแž’แŸ’แžถแžพแž€แžถแžšโ€‹แžฑแŸ’แž™โ€‹แžขแž“แž€ แžŠแž‘โ€‹แŸ” แžขแž“แž€โ€‹แžขแžถแž…โ€‹ แž…แžถแŸ†แŸ’แž™โ€‹แžŠแž–แž›โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แžŠแŸ…แžŠแž›แžพโ€‹แž€แžถแžšแž™แž€แž…แžทแžแžแž‘แžปแž€แžŠแŸ’แž‹แž€แŸ‹โ€‹แžŠแž›แžพโ€‹แž‘แžถแŸ†แž“แžฝแž›โ€‹แžแŸ’แžปแžŸโ€‹แžŸแŸ’แžแžผแžœโ€‹ แž“แžทแž„โ€‹ แž€แžถแžแž–แžถแž€แžทแž…แŸโ€‹แž•แŸ’แž›แž‘ แž›แŸ‹โ€‹แžแŸ’แž› แžฝแž“โ€‹แžŸแŸ’แž”แžŸแžทแž“แžŠแž”แžพโ€‹แžขแž“แž€โ€‹แž…แž„แŸ‹โ€‹แŸ” แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแž’แŸ’แžถแžพแž€แžถแžšโ€‹ แž›แŸ‹โ€‹แž™แž”แŸ‹โ€‹แžŠแžŸแŸ’แŸ…โ€‹แžŠแžŠแŸ’แž‹แž™โ€‹แž•แŸ’แž›โ€‹ แžŸแžปแž€แž—แžถแž–โ€‹แžŠแŸ…โ€‹แž€แž“ แžปแž„โ€‹แž•แž‘แŸ„แŸ‡โ€‹แžšแž”แžŸแŸ‹แžขแž“แž€ แžŠ แžพแž™โ€‹แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแžŸแŸ’แž€แžถแž€โ€‹แž–แžธโ€‹แžŠแž‚แž„โ€‹แž™แžบแžโ€‹แž‡แžถแž„โ€‹แž’แŸ’แž˜แŸ’แž˜แžแžถโ€‹ แž”แž“แžแžทแž…โ€‹แžŠแŸ…โ€‹แžŠแž–แž›โ€‹แžŸแŸ’แž–แžนแž€โ€‹แŸ” แžแžถแžšแžถแž„โ€‹แžŠแž–แž›แžŠแžœแž›แžถโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แžŸแžถ แžทแžโ€‹แž€แž“ แžปแž„โ€‹แž€แŸ’แž แž”แŸ‹แžŠ โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€ แžŠ แžพแž™โ€‹แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแž’แŸ’แžถแžพแž€แžถแžšโ€‹แžŠแŸ…โ€‹แžแžถแž˜แŸ’โ€‹แžŠแž–แž›แžŠแžœแž›แžถโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แŸ” ๏‚— แž€แžถแžšแžแŸ’แžšแž”แŸ‹แžแŸ’แžšแž„โ€‹แž€แžถแžšแž„แžถแžš แž€แžถแžšแžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžขแž“แž€โ€‹แžขแžถแž…โ€‹แžŠแž‚แž…แžŠแž…แž‰โ€‹แž–แžธโ€‹แž—แžถแž–โ€‹แžแžถแž“แžแžนแž„ (แžŠแž“แŸ’แžแžŸแž โ€‹แžŸโ€‹) แžŠแž“โ€‹แžŠแžถแž› แž€แžถแžš แŸโ€‹แž€แž“ แžปแž„แž€แžถโ€‹แžš แžทแž›แŸแž™โ€‹แŸ” แžŠแžŠแŸ’แž‹แž™แžŸแžถแžšโ€‹แž…แžโ€‹แžขแž“แž€โ€‹แž‚แžบแž‡แžถโ€‹แž˜แŸ’แž“แžปแžŸแŸ‚โ€‹แž… แž›โ€‹แž˜แžถแž“โ€‹แžแžถแŸ† แž… แž„โ€‹แž’แŸ’แžถแŸ†แž‡แžถแž„แžŠแž‚โ€‹ แž€แž“ แžปแž„โ€‹แžŸแŸ’แž€ แžปแž˜แŸ’ แžปแž“ แžขแž“แž€โ€‹แž˜แŸ’แžทแž“โ€‹แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹แžŸแŸ’แž–แžฝแž™แž”แžถแžšแž˜แŸ’แž—โ€‹แž–แžธโ€‹แž€แžถแžšแž–แžถแŸ„แž˜แŸ’โ€‹แžŸแž…แž˜แŸ’แžแž„โ€‹แžŠแŸ…แž˜แŸ’แžปแžแŸ’โ€‹แž˜แŸ’แžทแžแžโ€‹แžšแžฝแž˜แŸ’โ€‹ แž€แžถแžšแž„แŸ’แžœแžš แžฌโ€‹แž€แžถแžšโ€‹แž…แžขแž”แžขแž”โ€‹แžแŸ’แž“แž“ แž€แŸ‹แžŠแž›แžพโ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€แžŠ แŸ„แŸ‡โ€‹แžŠแž‘โ€‹แŸ” แžถแž˜ แž“โ€‹แž€แž„แžถแž›แŸ‹โ€‹แž‘แžถแŸ†แž„แžขแžŸแŸ‹แžŠแž“แŸ„แŸ‡ แžขแž“แž€โ€‹ แžขแžถแž…โ€‹แž…แžถแŸ†แŸ’แž™โ€‹แž€แžถแžšแž™แž€แž…แžทแžแžแž‘แžปแž€แžŠแŸ’แž‹แž€แŸ‹แžšโ€‹แž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แž‘แžถแŸ†แž„โ€‹แžŸแŸ’แžŸ แžปแž„โ€‹แžŠแŸ…แžŠแž›แžพโ€‹แž€แžถแžšแžœ แžทแžœแžแžแž“แŸโ€‹ แžšแž”แžŸแŸ‹โ€‹ แžŸแŸ’แž€ แžปแž˜แŸ’ แžปแž“ แž“แžทแž„โ€‹แžŠแž’แŸ’แžถแžพแžฑแŸ’แž™โ€‹แž•แž›แžทแžแž•แž›โ€‹แžฌโ€‹แžŠแžŸแžœแžถแž€แž˜แŸ’แž˜โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€โ€‹แž€แžถแž“แŸ‹ แž…แžโ€‹แžŸแŸ’แž”แžŠแžŸแžพแžšโ€‹แžŠ แžพแž„โ€‹แŸ”
  • 40. ๏‚— แž‡แžถแŸ†แž แžถแž“โ€‹แž…แžถแŸ†แžถแž…แŸ‹โ€‹แž‡แŸ’แž–แž›โ€‹แž‡แŸ’แŸ’แžŠแžพแž˜แŸ’โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžแŸ’แž“แžถ แžโ€‹แžแžผแž… แž€แžถแžšโ€‹แžŠแž•แžŠแžพแž˜แŸ’โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แŸ’ แžแŸ’แž“แž“ แžโ€‹แžแžผแž…โ€‹แžแžŸแŸ’แž˜แŸ’แžผแžœโ€‹แžฒแŸ’แž™โ€‹แž˜แžถแž“โ€‹แž€แžถแžšโ€‹แžแžถแžถแŸ†แž„โ€‹แž…แžทแžแžโ€‹แžแŸ’แž–แžŸแŸ‹ แž€แžถแžšโ€‹ แžŠแž›แžพแž€โ€‹แž‘แžนแž€แž…แžทแžแž แž“แžทแž„โ€‹แž™แž›แŸ‹ แžนแž„โ€‹แž–แžธโ€‹แž•แž› แžผแžœโ€‹ (แž™แžปแž‘แž’แžŸแžถแž“แŸ’แžแžŸแž ) แž… แž›โ€‹แžŸแŸ’แžแžผแžœโ€‹แžŠแž’แŸ’แžถแžพโ€‹ แžถแŸ†แžŠ แžพแžšโ€‹ แžŠแŸ’แž– แŸ„แŸ‡โ€‹โ€‹โ€‹โ€‹แžšแž€โ€‹แž—แžถแž–โ€‹แžŠแž‡แžถแž‚แž‡แŸแž™แŸ” แžแŸ’แž“แž„โ€‹แžŠแžŸแŸ’แž€แžถแž˜แŸ’โ€‹โ€‹แžŠแž“แŸ„แŸ‡โ€‹ แž‡แžถโ€‹แž‚แž“แžถแžนแŸ„แŸ‡โ€‹แžแŸ’แžถแžธแŸ—โ€‹โ€‹ แžŸแžŸแŸ’แž˜แžถแž”แŸ‹โ€‹แžŸแŸ’แž”แžท แž™แž˜แŸ’แžทแžแž แž˜แŸ’แžทแžแžโ€‹แž™แžปแžœแžœแŸแž™โ€‹แž… แž›โ€‹แž…แž„แŸ‹โ€‹โ€‹แžŠแž”แžพแž€โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžŠแžŠแŸ’แž‹แž™โ€‹แžแŸ’แž› แžฝแž“โ€‹แžฏแž„โ€‹โ€‹แžŠ แžพแž˜แŸ’แž”แžธโ€‹แž‡แžถโ€‹โ€‹โ€‹ แž‘แžปแž“โ€‹แž‚แžถแŸ†แž“แžทแžโ€‹โ€‹โ€‹โ€‹แž…แžŸแžถ แž„โ€‹แž™แž›แŸ‹โ€‹โ€‹โ€‹แž–แžธโ€‹แžขแžถแžธโ€‹แž… แž›โ€‹แžŸแŸ’แžแžผแžœโ€‹แžŠแž’แŸ’แžถแžพโ€‹แžŠ แžพแž˜แŸ’แž”แžธโ€‹แž‡แžฝแž™โ€‹โ€‹แžฒแŸ’แž™โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แŸ‚แž˜แžธโ€‹แžŠ แŸ„แŸ‡ แž‘แž‘แžฝแž›โ€‹แžŠแž‡แžถแž‚แž‡แŸแž™แŸ” ๏‚— แž€แžถแŸ†แžŽแžแŸ‹โ€‹แžฑแž€แžถแžŸโ€‹แž˜แŸ’แžปแžโ€‹แž‡แžถแŸ†แž“แžฝแž‰โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแŸ’แžถแž€แŸ– แž€แžถแžšโ€‹แžŠแžŸแŸ’แž‡แžพแžŸแžŠแžš แžธแžŸโ€‹แžŸแŸ’แž”แžŠแž—แž‘โ€‹แž˜แŸ’แžปแžแŸ’โ€‹ แž‡แžถแŸ†แž“แžฝแž‰ แžŠ แžพแž˜แŸ’แž”แžธโ€‹แž…แžถแž”แŸ‹โ€‹แžŠแž•แžŠแžพแž˜แŸ’โ€‹แž‡แžถโ€‹แžŠแžšแžฟแž„โ€‹แž˜แŸ’แžฝแž™โ€‹ แŸโ€‹แž›แžถแŸ†แž”แžถแž€โ€‹ แžŠแžŸแŸ’แž–แžถแŸ„แŸ‡โ€‹แžŠแžแžถแž„โ€‹แžฒแŸ’แž™โ€‹แžŠแž™แžพแž„โ€‹ แžŸแžทแž€แžถโ€‹แž…แžŸแžถ แž„โ€‹แž™แž›แŸ‹โ€‹แž–แžธโ€‹แžฑแŸ’แž€แžถแžŸโ€‹แžŠแž“โ€‹แž˜แŸ’แžปแžแŸ’โ€‹แž‡แžถแŸ†แž“แžฝแž‰โ€‹แžŠ แŸ„แŸ‡แŸ” แžŸแŸ’แžแžผแžœโ€‹ แžนแž„โ€‹โ€‹แžแŸ’แž“ แžŠแžแžพโ€‹แžขแž“แž€โ€‹ แžŸแŸ’แžŸแžกแžถแž‰แŸ‹โ€‹แž…แžผแž›แž…แžทแžแžโ€‹แžขแžถแžธโ€‹แž‡แžถแž„โ€‹แžŠแž‚แŸ” แžŠแžŸแŸ’แŸ…โ€‹แž–แžธโ€‹แžŠแž“แŸ„แŸ‡โ€‹แžขแž“แž€โ€‹แž€แŸโ€‹แžŸแŸ’แžแžผแžœโ€‹ แžนแž„โ€‹แž… แžšโ€‹แžแŸ’แž“โ€‹แžขแžถแž‡แžธแžœ แž€แž˜แŸ’แž˜ แž… แž›โ€‹แžขแž“แž€โ€‹แž…แž„แŸ‹โ€‹แžŠแž’แŸ’แžถแžพโ€‹แž‡แžถโ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž„แŸ’แžœแž”แŸ‹ (แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž… แž›โ€‹แžœ แžทแžœแžแžแž“แŸโ€‹แžแžทแž…โ€‹ แžแžฝแž… แžฌโ€‹แž˜แŸ’แžทแž“โ€‹แžœ แžทแžœแžแžแž“แŸโ€‹แž‘แžถแŸ†แž„โ€‹แžŸแŸ’แžŸ แžปแž„) แžฌโ€‹แž‡แžถโ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แžšแžŸแŸ‹ (แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž… แž›โ€‹ แžขแžถแž…โ€‹แžš แžธแž€โ€‹แž›แžผ แžแž›แžถแžŸแŸ‹โ€‹แž”แžถแž“โ€‹แžŠแž›แžฟแž“)แŸ”
  • 41. ๏‚— แž‡แŸ’แž’แŸ’แžœแžพโ€‹แžšแž‡แŸ’แžแŸ’แŸ„แž„โ€‹แž‡แŸ’แŸ’แž“แž€แžถแžšแŸ– แžŸแŸ’แž‚แž”แŸ‹โ€‹แž€แžถแžšโ€‹แž…แžถแž”แŸ‹โ€‹แžŠแž•แžŠแžพแž˜แŸ’ แž‘แžถแŸ†แž„โ€‹แžขแžŸแŸ‹โ€‹ แž€แžถแžšโ€‹แžŠแž’แŸ’แžถแžพโ€‹ แž‚แžŠแžŸแŸ’แž˜แžถแž„โ€‹แž‡แžฝแž™โ€‹แžฒแŸ’แž™โ€‹แžขแž“แž€โ€‹แž™แž›แŸ‹ แžนแž„โ€‹แž€แžถแž“แŸ‹โ€‹แž…แžโ€‹แžŠแžŸแŸ’แŸ…โ€‹แž–แžธโ€‹แžšแž… แžŸแž˜แŸ’แž–แŸแž“แž’โ€‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แžŠ โ€‹แž‚แžผแžŸแŸ’แž”แž€แžฝแžโ€‹แžŸแŸ’แž”แž…แž‡แž„ แž“แžทแž„โ€‹แžŠ แžพแž˜แŸ’แž‘แžปแž“โ€‹แž… แž›โ€‹แžแžŸแŸ’แž˜แŸ’แžผแžœแŸ” แžŠแž”แžพโ€‹แžŸแŸ’แž€แžŠ แž€โ€‹แžŠแž˜แŸ’แžพแž›โ€‹แž€แžถแžšโ€‹ แžŸแžทแž€แžถโ€‹แž˜แŸ’แžฝแž™โ€‹แž… แž›โ€‹แž”แžถแž“โ€‹แžŠแž›แžพแž€โ€‹แžŠ แžพแž„โ€‹แž€แž“ แžปแž„โ€‹แžŠแžŸแŸ€แžœแžŠแŸ… โ€œBusiness Plans For Dummiesโ€ แžŠแžŠแŸ’แž‹แž™โ€‹แžŠแž›แžถแž€ Paul Tiffany แž€แŸโ€‹แž”แžถแž“โ€‹แž“แžทแŸ„แž™โ€‹แž… แžšโ€‹แžŸแŸ’แž€ แžปแž˜แŸ’ แžปแž“โ€‹ แž‘แžถแŸ†แž„โ€‹แžกแžถแž™โ€‹แŸ’โ€‹แž… แž›โ€‹โ€‹โ€‹แž˜แžถแž“โ€‹แž‚แžŠแžŸแŸ’แž˜แžถแž„โ€‹แž…แž•แž“แž€แžถแžšโ€‹แž…แžถแžŸแŸ‹โ€‹แž›แžถแžŸแŸ‹ แžŠ แŸ„แŸ‡โ€‹แž“แžนแž„โ€‹ แž˜แžถแž“โ€‹แžฑแŸ’แž€แžถแžŸโ€‹แž‘แž‘แžฝแž›โ€‹แž”แžถแž“โ€‹แž…แžถแŸ† แžผ แž› แŸฅแŸ % แžŠแžŸแŸ’แž…แžพแž“โ€‹แž‡แžถแž„โ€‹แžŸแŸ’แž€ แžปแž˜แŸ’ แžปแž“โ€‹แž… แž›โ€‹แž˜แŸ’แžทแž“โ€‹ แž˜แžถแž“แŸ” ๏‚— แž‡แŸ’แžŸแžœ แž„แžšแž€โ€‹แžแžœ แžทแž€แžถแŸ– แž‡แžถโ€‹แžŠแžšแžฟแž„โ€‹โ€‹แž… แž›โ€‹แž˜แŸ’แžทแž“โ€‹แžขแžถแž…โ€‹โ€‹แžแŸ’แžถแŸ„แŸ‡แž”แžถแž“แŸ” แž€แžถแžšโ€‹แž…แžŸแžถ แž„แžšแž€โ€‹ แŸ‚แžœ แžทแž€แžถโ€‹ แž‡แžถโ€‹แž…แž•แž“แž€โ€‹แž˜แŸ’แžฝแž™โ€‹โ€‹แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹แž‡แžถแž„แžŠแž‚ แžŠ แžพแž™โ€‹แžœ แžทแž’แŸ’แžธแžŸแžถแž“แŸ’แžแžŸแž โ€‹แžŠแž“แŸ„แŸ‡โ€‹แžแŸ’แžปแžŸโ€‹แž…แž”แžถแž€โ€‹แž–แžธโ€‹ แž˜แžถแž“ แž€แŸ‹โ€‹แžŠแŸ…โ€‹แž˜แžถแž“ แž€แŸ‹แŸ” แžŠแžแžพโ€‹แžŸแŸ’แž”แž—แž–โ€‹แŸ‚แžœ แžทแž€แžถโ€‹แžŸแŸ’แž”แžŠแž—แž‘โ€‹แŸ’ แž… แž›โ€‹แžŸแž˜แŸ’โ€‹แž“แžนแž„โ€‹แž˜แŸ’แžปแžแŸ’โ€‹ แž‡แžถแŸ†แž“แžฝแž‰โ€‹แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€? แžŸแŸ’แž”แž—แž–โ€‹แž‘แžถแŸ†แž„โ€‹แžŠ แŸ„แŸ‡โ€‹แžขแžถแž…โ€‹แž‡แžถ แžšแž”แžŸแŸ‹โ€‹แž˜แžถแŸ แžŸแŸ‹โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹ แž•แŸ’แž›แž‘ แž›แŸ‹โ€‹ แž–แžธโ€‹โ€‹แž˜แŸ’แžทแžแžแž—แŸแž€แžŠแžท แž“แžทแž„โ€‹แžŸแž˜แžถแž‡แžทแž€โ€‹แž€แž“ แžปแž„โ€‹โ€‹แžŸแŸ’แž€ แžปแž˜แŸ’โ€‹แžŸแŸ’แž‚แžฝแžŸแžถแžš แž–แžธโ€‹แžŠ แž‚แžผโ€‹แžœ แžทแž“แžทแžŠแŸ„แž‚ แž€แž˜แŸ’แŸแžธโ€‹ แžทแžšแž‰แŸ’แž‰ แž”แž”แž‘แž“ แžฌโ€‹แž€แž˜แŸ’แž˜แžœ แžทแž’แŸ’แžธโ€‹แžงแž”แžแžถแž˜แŸ’แž—โ€‹โ€‹แž‡แžถแžŠ แžพแž˜แŸ’แŸ”
  • 42. ๏‚— แžŠแžถแž€แŸ‹แž‡แŸ’แŸ’แž˜ แŸ„แŸ‡โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แŸ– แž€แžถแžšโ€‹แžŠแžŸแŸ’แž‡แžพแžŸโ€‹แžŠแŸ’แž˜ แŸ„แŸ‡โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹ แŸโ€‹แžŸแŸ’แžแžนแž˜แŸ’แžŸแŸ’แžแžผแžœโ€‹ แžขแžถแž…โ€‹แž‘แž‰โ€‹ แž…แžถแŸ†แŸ’แž”แŸ‹โ€‹แžขแžถแžšแž˜แŸ’แž˜ แŸโ€‹แžขแžแžทแŸ‚แžทแž‡แž“โ€‹แžฒแŸ’แž™โ€‹แž…แžถแž”แŸ‹โ€‹แžขแžถแžšแž˜แŸ’แž˜ แŸโ€‹แž˜แŸ’แž€โ€‹แžŠแž›แžพโ€‹แžŠแžŸแžœแžถแž€แž˜แŸ’แž˜ แžฌโ€‹แž•แž›แžทแžแž•แž›โ€‹ แžšแž”แžŸแŸ‹โ€‹แžขแž“แž€แŸ” แž‡แžถโ€‹แž‘แžผแžŠแŸ…โ€‹แžแžถแž˜แŸ’โ€‹แžŸแŸ’แž”แž—แž–โ€‹แž˜แŸ’แžฝแž™โ€‹แž…แžถแŸ†แž“แžฝแž“โ€‹แžŠแž›แžพแž€โ€‹แžŠ แžพแž„โ€‹แžแŸ’แž“โ€‹ แžŠแŸ’แž˜ แŸ„แŸ‡โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹โ€‹โ€‹ แž‚แžฝแžšโ€‹แž…แžโ€‹โ€‹โ€‹แžแŸ’แžถแžธโ€‹ แž„แŸ’แžœแž™โ€‹แžŸแŸ’แžŸแžฝแž›โ€‹แž…แžถแžถแŸ†โ€‹ แžแŸ’แžปแžŸโ€‹แž…แž”แžถแž€โ€‹แž–แžธโ€‹แžขแž“แž€โ€‹ แžŠแž‘โ€‹ แž“แžทแž„โ€‹โ€‹โ€‹แž‘แž€แŸ‹โ€‹แž‘แž‰แŸ” แžŸแžปแžถแŸ†โ€‹โ€‹แžขแžถแŸ„แžถ แž”แŸแžŽแžŽ แŸ– แžŸแŸ’แžแžผแžœโ€‹แž…แžปแŸ„แŸ‡โ€‹แžŠแŸ’แž˜ แŸ„แŸ‡โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แž‡แžถแž˜แŸ’แžฝแž™โ€‹แžขแžถแž‡แžถแžถ แž’แŸ’แžšโ€‹โ€‹แž–แžถแž€แŸ‹โ€‹แž–แŸแž“แž’แŸ” ๏‚— แž€แžถแŸ†แžŽแžแŸ‹โ€‹แž‘แžธแžแžถแŸ†แž„โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜แŸ– แž€แžถแžšโ€‹แžŠแžŸแŸ’แž‡แžพแžŸแžŠแžš แžธแžŸโ€‹แž‘แžธแžแžถแžถแŸ†แž„โ€‹โ€‹ แŸโ€‹แžŸแŸ’แžแžนแž˜แŸ’โ€‹แžŸแŸ’แžแžผแžœ แž“แžนแž„โ€‹แžขแžถแž…โ€‹แž‡แžฝแž™โ€‹ แžฒแŸ’แž™โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹โ€‹แž‘แž‘แžฝแž›โ€‹แžŠแž‡แžถแž‚แž‡แŸแž™โ€‹แž”แžถแž“โ€‹แžš แŸแžŸแŸ” แž‘แžธแžแžถแžถแŸ†แž„โ€‹แžขแžถแž…โ€‹แžŠแŸ…โ€‹โ€‹แž‘แžธโ€‹แžŸแŸ’แž”แž‡แžปแžถแŸ†แžŸแŸ’แž”แž‡แž“โ€‹ แž•แž› แžผแžœโ€‹แž…แž€แž„ แžฌโ€‹แž…แž€แž”แžšโ€‹แž•แž› แžผแžœโ€‹แžŸแŸ’แž”แžŸแž–แžถโ€‹โ€‹แž‡แžถโ€‹แžŠ แžพแž˜แŸ’แŸ” แžŠแžŸแŸ’แŸ…โ€‹แž–แžธโ€‹แž€แžถแžšโ€‹แžŠแžŸแŸ’แž‡แžพแžŸแžŠแžš แžธแžŸโ€‹แž‘แžธแžแžถแžถแŸ†แž„ แžŸแŸ’แžแžผแžœโ€‹โ€‹แž‘แžทแž‰โ€‹ แžŸแž˜แžถแž— แžšแŸˆโ€‹แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹แžŸแžŸแŸ’แž˜แžถแž”แŸ‹โ€‹แž€แžถแžš แžทแŸ„แž›แŸแž™ แž“แžทแž„โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜ แž€แžถแžšโ€‹แžšแž… โ€‹แž‘แžธโ€‹แž€แž…แž“แžถแž„โ€‹แžฒแŸ’แž™โ€‹ แž˜แžถแž“โ€‹แž—แžถแž–โ€‹แž‘แž€แŸ‹โ€‹แž‘แž‰โ€‹แž€แŸโ€‹โ€‹แž€แžถแžšโ€‹แž…แžถแžถแŸ†แž”แžถแž…แŸ‹โ€‹ แžผแž…แžถแž“ แŸ” ๏‚— แžŸแž„แžƒแžนแž˜แŸ’โ€‹แžแŸ’แž“ แž…แžถแŸ† แžป แž…โ€‹แž… แž›โ€‹แž”แžถแž“โ€‹แžŠแžšแŸ€แž”แžšแžถแž”แŸ‹โ€‹แžแŸ’แž“แž„แžŠแž›แžพโ€‹แž“แžนแž„โ€‹แž‡แžฝแž™โ€‹แž•แžŠแž›แŸ‹โ€‹แž‡แžถโ€‹แž‚แžถแŸ†แž“แžทแžโ€‹ แž…แžถแŸ†แžŠแž–แžถแŸ„แŸ‡โ€‹แžขแž“แž€โ€‹แž‘แžถแŸ†แž„โ€‹แžกแžถแž™โ€‹แž… แž›โ€‹แž…แž„แŸ‹โ€‹แž…แžถแž”แŸ‹โ€‹แžŠแž•แžŠแžพแž˜แŸ’โ€‹แžขแžถแž‡แžธแžœแž€แž˜แŸ’แž˜โ€‹แŸ‚แž˜แžธโ€‹แž˜แŸ’แžฝแž™โ€‹ แž›แŸ‹โ€‹แžแŸ’แž› แžฝแž“โ€‹แžฏแž„แŸ•
  • 43. 1. Education and Skill 2. Prepare Strategic Plan aHead 3. Creating Business Network 4. Financial Support / Financial Assess 5. Creating Specialize bank for SMEs 6. The loan from Government will help แžšแž”แžถ แž€แžถแžšแžŽแŸแžšแž”แŸแŸ‹แžแŸ’แž€แŸ’แŸแžฝแž„แžงแŸแžถแž แž€แŸ’แž˜แž˜ แžŸแŸ’แžšแŸ‰แŸ‚ แž“แžทแž„แžแžถแž˜แž–แž› แž”แžถแž“แž”แž„แŸ’แž แžถ แž‰แžแžถ แžŸแŸ…แž†แŸ’แž“ แžถแŸ†แŸขแŸ แŸกแŸข แž€แŸ’แž˜แž–แžปแž‡แžถ แž˜แžถแž“แžŸแžšแžถแž„แž…แžแŸ’แž€แŸ’แŸ’แžถแŸ†แžแŸ’แž”แž˜แžถแžŽ แŸจแŸฅแŸ แžŸแžšแžถแž„แž…แžแŸ’แž€แŸ’ แžŸแŸ’แžŠแž›แž…แžถแŸ†แž“แžฝแž“แžŸแž“แŸแŸ‡แž”แžŸแž„แž€แžพแžแž€แžถแžšแž„แŸ’แž แžšแž”แžถแž“แž‡แžถแž„ แŸฅแŸฆแž˜แžปแŸ‰แžบแž“แž“แžถแž€แŸ’แŸ‹แŸ” แž”แžปแžŸแŸ’แž“แž แž˜แžผแž›แžŠแŸ’แž‹แžถ แž“แžงแŸแžถแž แž€แŸ’แž˜แž˜แžแžผแž… แž“แžทแž„แŸแžทแž”แž”แž€แŸ’แž˜แž˜ แž˜แžถแž“แž…แžถแŸ†แž“แžฝแž“แž‡แžถแž„ แŸฃแž˜แžปแŸ‰แžบแž“ แŸจแž–แžถแž“แŸ‹แž˜แžผแž›แžŠแŸ’แž‹แžถ แž“ แž”แžŸแž„แž€แžพแžแž€แžถแžšแž„แŸ’แž แžšแž”แžถแž“แžแŸ’แž”แž˜แžถแžŽแž‡แžทแž แŸขแžŸแŸ’แŸแž“แž“แžถแž€แŸ’แŸ‹ แžŸแŸ’แžŠแž›แžœแžทแŸแŸ แž‘แžถแŸ†แž„แžŸแž“แŸแŸ‡แž•แž›แžทแžแž”แžถแž“แž€แŸ’แž“แžปแž„แžแž˜แŸ’แž˜แŸ‚ แŸฆแž–แžถแž“แŸ‹แž›แžถแž“แžŠแžปแž›แžถแŸ‚ แžšแžขแžถแžŸแž˜แžšแžทแž€แŸ’ แž“แžทแž„ แž€แžถแžšแž“แžถแžถแŸ†แžŸแž…แž‰แž˜แžถแž“แž…แžถแŸ†แž“แžฝแž“ แŸคแž–แžถแž“แŸ‹แž›แžถแž“แžŠแžปแž›แžถแŸ‚ แžšแŸ” แžแžฝแžŸแž›แžแžŸแž“แŸแŸ‡แž”แž‰แŸ’แž‡แžถ แž€แŸ’แŸ‹แžแžถ แž˜แžผแž›แžŠแŸ’แž‹แžถ แž“แžงแŸแžถแž แž€แŸ’แž˜แž˜แžแžผแž… แž“แžทแž„แž˜แŸ’แž™แž˜ แžแžถแŸ†แžŽแžถแž„แžฒแŸ’แž™ แŸฉแŸจ% แž˜แŸ’แž“แž˜แžผแž›แžŠแŸ’แž‹แžถ แž“แž•แž›แžทแžแž€แŸ’แž˜แž˜แŸแžšแžปแž” แž—แžถแž‚แžŸแžแŸ’แž…แžพแž“แžแŸ’แž‚แž”แŸ‹แžแŸ’แž‚แž„แž‡แžถแž›แž€แŸ’แžแžŽแŸˆแžแŸ’แž‚แžฝแžŸแžถแžšแŸ•