Topic: Why is it difficult for people to get capital easily? - page 5. (Read 1105 times)

I've got toxic relatives as well but I don't mind them, I don't care about their opinion, etc.

OP, for you to get your capital easily, don't mind other's people opinion about what you should do instead with your salary. You don't have any responsibility to give money or support your siblings if your parents are still alive and capable of working, you can't be their retirement fund, and don't allow yourself to be one, because it's just gonna drain you.

Start saving for yourself only, help them if you really want if you have plenty of money because you got the capital you need to generate money.

In that perspective, it's actually easy to get capital from our salaries, paychecks and works. But someone who is struggling and have some obligation can do that. But going to the point that you're able to collect and save capital for your potential business, maintaining and using it properly is going to take time and the success of it will vary on how good or bad you are.

Or might just go with crowdfunding if your business and idea is something that people can see with its true potential. Have it on a pitch to the people that are into angel investing.

Yeah, I guess the majority of governments around the world are capable of offering even small loans to poor people to start their own businesses. And yes, the problem however is the guarantees and the trust. The majority of these poor do not own much assets as loan collaterals. And the majority of these poor people have no degrees and even lower levels of education so it is harder to trust them when it comes to starting their own businesses.

Here in my country, our government has many programs for the poor. Like training them or lecturing them on the dos and don'ts from specialized skills to farming. And then later, they will be granted loans without collaterals. What I noticed however is that they mostly fail. Both government workers are just doing it for compliance so there's no proper monitoring later on and most of the poor are just interested at the start because of the loan grants but later on, they get lazy and lose interest. In the end, the government is just spending billions of dollars to waste.

What is clear is that there are many regulations that hinder it and why there are some people who are less able to get assistance from the government or financial institutions.

For example, at a bank there is a request for a prerequisite that must be met to borrow a certain amount of funds from them, then what is requested is something that the person requesting the loan cannot afford, for example, they are asked for collateral, namely a land certificate or something else, meaning that if they want to take more funds from the bank, this is as collateral. if you later fail to pay.

The most important thing is that we must be able to keep up with the times and take advantage of new opportunities that can be done. If you look at the year 2000, maybe the internet was still rare at that time, it couldn't be reached by everyone, this is different from the current era, so with the internet we can easily spread the products we sell and of course make sales easier, even though we are only from home, we don't need to sell around, that's where we have to be able to adapt to existing developments

Launching a company? Tough, right? Especially the money part. It takes more than just having a brilliant idea to get people to actually buy into it. Banks are risk-averse, therefore they're not your allies in this situation. They see your dream, your passion, but they're looking for cold, hard facts. How does it plan? How are you going to get money? How will you recover if things don't work out?

I have an idea: why not search outside of conventional banks? Perhaps an alliance, angel investors, or even crowdsourcing? While each has advantages and disadvantages, they might be more inclined to wager on your idea than a bank. And why not bootstrap while we're at it? Begin small and expand naturally. Reduced debt means less strain. Its about making the most of what you already have rather than wishing for what you cannot.

because expenses continue to increase every year, while salaries tend to be stable and do not increase, that is why it is very difficult for some people to get out of there, for example in 2023 the consumption costs for one family will be 10,000$ a year, the next year with the same needs they will have to spend maybe 11-12k$.
because prices continue to rise due to inflation.
and of course there will be more and more opportunities because the world continues to develop, I think people who were alive in 2000 and already working, would never have thought that money could be created via the internet like it is today.
So doing other things from your usual work routine also needs to be done.

Helping yourself or prioritizing yourself first is a hard choice, it also depends on the situation if an individual will be able to stand alone. Here's why.
Getting yourself into the state where you help yourself first before helping others requires setting up a boundary with the other people in your life, having to understand yourself, being able to take care of your own needs, acceptance, self-validation, believing in yourself, and most importantly, prioritizing yourself.
These conditions make it hard for most individuals just like OP who is family-oriented, he also experienced the same situation in the past before he graduated. Having the same experience makes it hard to see your sibling face any difficulty alone if you know to yourself that you have the capability to help them.  

not all of them are like that. If you want and dare to take risks, try sending a proposal to a capital company that might help your business. they will be interested if it is interesting to them from the concept and profit. don't rush into despair. We have many ways to get there, but sometimes we feel it's impossible. but what if we try it first? Wouldn't this be good, even if it fails, at least we have tried.

I realize it is difficult but ask yourself again. This is not a very difficult thing in terms of earning but how do we collect it little by little from our work salary that we set aside. If we want to get large capital quickly of course it will be difficult. learn to start frugality and save for the future.

It should be the rule of life that don't hope good from others so you will not be disappointed any more. I am a responsible person of my family and I don't depend on others for capital. Little or more but I use my own capital because there is no stress on me to return money to others and also no one will blame me either I loss or win.

At start no one is able to do so but with the passage of time life teach you each and everything in a better way. If someone save some amount from early age then their is a possibility that he will not get capital from others but will use his own capital and also will be profitable one day. No one can settle a huge business without the help of relatives but it is not necessary to settle a large business but at least set a small business that can give you money for your daily expenses as well as for save some amount so in this way your small business will turn into larger one but it should be remember that do your best but not depends on other for capital.

Every bit counts, also when BTC rises, which it's expected to, your earnings will increase. Meanwhile, you can try to rank up to get better pay rate, as I said prior.


I could be misjudging your circumstances but you gotta look after yourself first before others, once yourself are sorted others can be helped better.

I currently have two businesses, namely in the real world and the digital world, in the real world I have a restaurant business and in the digital world I trade cryptocurrencies. Getting capital from these two businesses is not easy and takes a long time. To get capital to open a restaurant I have to work for approximately 5 years and to get capital to trade crypto I have been working since 2017 by participating in bounties and airdrops.
This is not easy but you need to start.

First off. if you're working at a deadend job that pays just enough money for you to survive bi-weekly, no matter how good you save you won't have enough to get by AND save money in the process. It just won't work. If you  wanted to build capital for the business that you have in mind. You need to actually make the effort to create that opportunity. Some people look for other jobs that pay more, some simply take up more jobs so they don't have to worry about unemployment. It could be anything but the bottomline is, you need to actually make the change yourself. Also, you need to keep in mind that you're liable to know about financial literacy as well. If you don't learn about that you're in for a world of problems, even if you earn good money. It's just balancing things out. You need to have enough money to start with, and enough financial wisdom to keep that money as well.

The first step is thinking of a business opportunity in your immediate community. The next part which is a bit tricky is getting the required capital to kick start your business. An initial capital is not a small amount and a lot of people, not having such sums themselves, turn to other sources for a loan.

The bank, which could be said to be the source most people turn to when looking for a business loan would have to be convinced about the viability of the startup. They, not being so hopelessly optimistic about the prospects of your business being a success would scrutinize your proposal carefully so as not to have a bad debt later on.
You’ve convinced yourself on how successful the business is going to be. Irrespective of the source for the loan, you’ve got to convince the other party as well. No one or financial institution is eager to fund just any project and likely lose money later.

If it were only that easy to first comfortably have some huge amount of money just sitting around in your account and then use that money and invest in some business and start making profits.

I think this time we are is a hard time, standard of living is very expensive that their is nothing left from the allowance we receive to make good savings to start up something. Money doesn't have value like the way it used to be before now. In this time the only way people succeed in raising capital to start up a project except their are several sources of income. We are in the hard time that money is a serious challenge to every business,  people are just struggling so much to meet up with their demands. I think in this time one of the things that will help people is that people shouldn't just depend on a particular source of income thinking that it can fetch them the money they want to start up a good project that can yield better profit.

Of course, to open or start a business requires capital. Borrowing funds to make capital is not recommended, but in my opinion there is nothing wrong as long as they are sure that the business they will run can run smoothly, if from the start they already think that the business they will run will fail or doubt at the beginning, then don't make a loan. But if they are sure that the business they will run can run well, there is nothing wrong with taking a loan, because to open a business, of course, you need capital that must be prepared, with strong confidence in the business that is run can run well and can also reverse the loan that was made into capital at the beginning, in my opinion, do it because no struggle will be in vain if they do it well and manage it well so that it can produce and benefit for themselves. Although there are certainly risks that will come and will befall but they must be able to deal with it well and handle it well so that the business that is run does not stop when experiencing problems. So the importance of learning at the beginning that will be used someday in the future and also learn things related to the business to be run so that when there are problems they can deal with it calmly not panic for fear of failure or bankruptcy because if the matter has become a risk and it is natural that every business will definitely have risks and the rest of the problems are dependent on those who run it who must be prepared to face all of it.

Before you can start seizing any opportunity, you will need to work toward a stage where you can diversify your capital into the business you want to create, while having some assets behind you on top of the costs to get started. Without that base of capital, and the additional safety and security nets, the pressure may affect your ability to do well...


...Saving money is a key part before getting started. It's not a burden, it's life, and it sure isn't anyone else's burden except for your own. You should not expect help from anyone. You will also feel more fulfilled if you do things yourself instead with the help of others, who will be quick to claim responsibility for your success if you do take the route of borrowing.


It's something that even I am still working on. The supply of ideas is always much higher than the ability to pursue them. The only way is working hard, cutting back costs, living hard, taking smaller opportunities...eventually, if you do it right, you'll get to the stage you want to get to. Perseverance is key

It is either you also want to invest a huge amount of money as others do just as said or you are tolerating with your ambition to Invest as will because you can't keep to earn at the same time unable to stand a firm that would profer you stable earning simply because you considers the love of your siblings. I think you needed help when you were in school because you don't have help and also you were being able to get help from relatives simply because they have enough to offer to you while they remains stable to their financial reliances or did they got broke after helping you out?
I guess not so why don't you limit your emotions to rendering help to siblings when you are not financially buoyant to help out?
Well. I have this thread I formally made in my local board for you which talks about "how one earns but doesn't make progress". The thread specifically gazed at responsibilities being barriers to ones financial upgrades.
Read at https://bitcointalk.org/index.php?.topic=5467611.msg62881122#msg62881122

Simply limit or look away from those responsibility because they can always wait while thing's goes better else you runs the zero level while thing's still remains the same where they would still depend on you and you would probably be no opportuned to even help yourself talk more or helping others.

In most cases 9-5 job would have taken most of the time such that it would be absolutely impossible to have time to do other things, from personal experience I always became exhausted and tired after work, so the issue of working on other stufif to earn extra money except carrying out some task online though the income from that source wouldn't be enough for investment beside in my country there is hyperinflation such that it becomes very difficult to save some extra funds out of my monthly salary because after all my budgets the extra fund isn't enough for other investment and the government had not increase our wages, .I think getting capital for other things isn't realistic for now