{"id":20177,"date":"2025-08-18T09:49:44","date_gmt":"2025-08-18T07:49:44","guid":{"rendered":"https:\/\/archiv.siov.sk\/?page_id=20177"},"modified":"2025-09-29T10:56:33","modified_gmt":"2025-09-29T08:56:33","slug":"podcast-siov-bizstarter","status":"publish","type":"page","link":"https:\/\/archiv.siov.sk\/en\/podcast-siov-bizstarter\/","title":{"rendered":"Podcast \u0160IOV BizStarter"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"20177\" class=\"elementor elementor-20177\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a259f e-flex e-con-boxed e-con e-parent\" data-id=\"a6a259f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b31dae8 elementor-widget elementor-widget-heading\" data-id=\"b31dae8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Podcast \u0160IOV BizStarter<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2315027 elementor-widget elementor-widget-heading\" data-id=\"2315027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Vitajte na str\u00e1nke podcastu \u0160IOV BizStarter \u2013 s\u00e9rie rozhovorov, v ktor\u00fdch sa svet \u0161koly prep\u00e1ja s dynamick\u00fdm prostred\u00edm re\u00e1lneho podnikania. Uk\u00e1\u017eeme v\u00e1m, \u017ee predmet cvi\u010dn\u00e1 firma je ove\u013ea viac ne\u017e len be\u017en\u00e1 hodina v rozvrhu \u2013 je to priestor pre inov\u00e1cie, prax a osobn\u00fd rozvoj. Tento p\u00e4\u0165dielny seri\u00e1l sme pripravili predov\u0161etk\u00fdm pre u\u010dite\u013eov, ktor\u00ed cvi\u010dn\u00fa firmu u\u017e ved\u00fa alebo sa na jej vyu\u010dovanie pr\u00e1ve pripravuj\u00fa. Ver\u00edme, \u017ee n\u00e1\u0161 seri\u00e1l rozhovorov s odborn\u00edkmi z praxe pom\u00f4\u017ee objavi\u0165 nov\u00e9 pr\u00edstupy a in\u0161pir\u00e1ciu. A ak na na\u0161u str\u00e1nku zav\u00edtal \u017eiak \u010di \u017eia\u010dka, rozhodne ste tu spr\u00e1vne! Mo\u017eno pr\u00e1ve tu n\u00e1jdete ten spr\u00e1vny impulz, ktor\u00fd na\u0161tartuje va\u0161u kari\u00e9ru.\n\n<br><br>Podcasty moderuje Sylvia Hamadejov\u00e1 a jej st\u00e1lou hostkou je Gabriela Horeck\u00e1 zo \u0160t\u00e1tneho in\u0161tit\u00fatu odborn\u00e9ho vzdel\u00e1vania, ktor\u00e1 sa u\u017e vy\u0161e dvadsa\u0165 rokov venuje t\u00e9mam, ktor\u00e9 s\u00fa k\u013e\u00fa\u010dov\u00e9 pre mlad\u00fdch bud\u00facich podnikate\u013eov \u2013 od cvi\u010dn\u00fdch firiem a rozvoja podnikate\u013esk\u00fdch zru\u010dnost\u00ed a\u017e po finan\u010dn\u00fa gramotnos\u0165.<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fcf8ec7 e-flex e-con-boxed e-con e-parent\" data-id=\"fcf8ec7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0057198 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"0057198\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/anchor.fm\/s\/1083ac0ec\/podcast\/rss\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-rss\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">RSS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-769b8f4 e-flex e-con-boxed e-con e-parent\" data-id=\"769b8f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09e5e53 elementor-widget elementor-widget-heading\" data-id=\"09e5e53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Podnikate\u013esk\u00fd z\u00e1mer: prv\u00fd krok k \u00faspechu (nielen)&nbsp;cvi\u010dnej firmy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7cf24 elementor-widget elementor-widget-text-editor\" data-id=\"3e7cf24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>V \u00favodnej epiz\u00f3de n\u00e1\u0161ho podcastov\u00e9ho seri\u00e1lu sa venujeme jednej z k\u013e\u00fa\u010dov\u00fdch t\u00e9m \u00faspe\u0161n\u00e9ho podnikania \u2013 podnikate\u013esk\u00e9mu z\u00e1meru. \u0160peci\u00e1lnou hostkou podcastu je <b>Martina Piro\u0161kov\u00e1<\/b>. P\u00f4sob\u00ed v <b>Slovak Business Agency<\/b>, kde sa venuje nielen podpore za\u010d\u00ednaj\u00facich podnikate\u013eov, ale aj rozvoju podnikavosti na \u0161kol\u00e1ch.<\/p><p>S podnikate\u013esk\u00fdmi n\u00e1padmi sa tak stret\u00e1va dennodenne \u2013 od t\u00fdch \u00faplne prv\u00fdch, a\u017e po re\u00e1lne biznisy, ktor\u00e9 dnes stoja na vlastn\u00fdch noh\u00e1ch. Je z\u00e1rove\u0148 hodnotite\u013ekou s\u00fa\u0165a\u017ee Skills Slovakia <a href=\"https:\/\/siov.sk\/stredne-skoly-vychovavaju-nielen-buducich-zamestnancov-ale-aj-podnikatelov-prvy-rocnik-sutaze-jupov-pozna-svojich-vitazov\/\" target=\"_blank\" rel=\"noopener\">\u201eJUPOV \u2013 Podnikate\u013esk\u00e9 zru\u010dnosti v cvi\u010dnej firme\u201c<\/a>, kde tento rok hodnotila desiatky projektov stredo\u0161kol\u00e1kov z cel\u00e9ho Slovenska. Jej pr\u00e1ca je o prep\u00e1jan\u00ed n\u00e1padov s praxou a my\u0161lienok s realitou.<\/p><p>Spolo\u010dne sme diskutovali o tom, pre\u010do m\u00e1 podnikate\u013esk\u00fd z\u00e1mer zmysel aj pre 17-ro\u010dn\u00e9ho \u017eiaka \u010di \u017eia\u010dku strednej \u0161koly a ako z neho m\u00f4\u017ee vznikn\u00fa\u0165 nie\u010do naozaj v\u00fdnimo\u010dn\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ade738 e-flex e-con-boxed e-con e-parent\" data-id=\"4ade738\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d56bfd3 elementor-widget elementor-widget-text-editor\" data-id=\"d56bfd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<iframe style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/23tf3IC9Yae4GcvXbLjw9G?utm_source=generator\" width=\"100%\" height=\"252\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-testid=\"embed-iframe\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/iframe>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e481239 e-flex e-con-boxed e-con e-parent\" data-id=\"e481239\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8f169b elementor-widget elementor-widget-n-accordion\" data-id=\"a8f169b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1770\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1770\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Textov\u00e1 verzia rozhovoru s Martinou Piro\u0161kovou <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1770\" class=\"elementor-element elementor-element-3397c6c e-con-full e-flex e-con e-child\" data-id=\"3397c6c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b7567 elementor-widget elementor-widget-text-editor\" data-id=\"d7b7567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Podnikate\u013esk\u00fd z\u00e1mer: prv\u00fd krok k \u00faspechu (nielen) cvi\u010dnej firmy<\/strong><\/p>\n<p>V \u00favodnej epiz\u00f3de n\u00e1\u0161ho podcastov\u00e9ho seri\u00e1lu sa venujeme jednej z k\u013e\u00fa\u010dov\u00fdch t\u00e9m \u00faspe\u0161n\u00e9ho podnikania \u2013 podnikate\u013esk\u00e9mu z\u00e1meru. \u0160peci\u00e1lnou hostkou podcastu je Martina Piro\u0161kov\u00e1. P\u00f4sob\u00ed v Slovak Business Agency, kde sa venuje nielen podpore za\u010d\u00ednaj\u00facich podnikate\u013eov, ale aj rozvoju podnikavosti na \u0161kol\u00e1ch. S podnikate\u013esk\u00fdmi n\u00e1padmi sa tak stret\u00e1va dennodenne \u2013 od t\u00fdch \u00faplne prv\u00fdch, a\u017e po re\u00e1lne biznisy, ktor\u00e9 dnes stoja na vlastn\u00fdch noh\u00e1ch. Je z\u00e1rove\u0148 hodnotite\u013ekou s\u00fa\u0165a\u017ee Skills Slovakia \u201eJUPOV \u2013 Podnikate\u013esk\u00e9 zru\u010dnosti v cvi\u010dnej firme\u201c, kde tento rok hodnotila desiatky projektov stredo\u0161kol\u00e1kov z cel\u00e9ho Slovenska. Jej pr\u00e1ca je o prep\u00e1jan\u00ed n\u00e1padov s praxou a my\u0161lienok s realitou. Dnes s nami bude hovori\u0165 o tom, pre\u010do m\u00e1 podnikate\u013esk\u00fd z\u00e1mer zmysel aj pre 17-ro\u010dn\u00e9ho \u017eiaka \u010di \u017eia\u010dku strednej \u0161koly a ako z neho m\u00f4\u017ee vznikn\u00fa\u0165 nie\u010do naozaj v\u00fdnimo\u010dn\u00e9.<\/p>\n<p>S Martinou Piro\u0161kovou (MP) a Gabrielou Horeckou (GH) zo \u0160t\u00e1tneho in\u0161tit\u00fatu odborn\u00e9ho vzdel\u00e1vania diskutujeme o tom, \u010do podnikavos\u0165 znamen\u00e1, ako ju rozv\u00edja\u0165, a pre\u010do s\u00fa cvi\u010dn\u00e9 firmy v\u00fdborn\u00fdm tr\u00e9ningom podnikate\u013esk\u00fdch zru\u010dnost\u00ed.<\/p>\n<p><strong>Mysl\u00edte si, \u017ee podnikavos\u0165 sa d\u00e1 nau\u010di\u0165, alebo ju \u010dlovek mus\u00ed ma\u0165 v&nbsp;krvi?<\/strong><\/p>\n<p>MP: V\u017edy, ke\u010f dostanem t\u00fato ot\u00e1zku, m\u00e1m najprv tendenciu ujasni\u0165 si, \u010do je to vlastne podnikavos\u0165 alebo podnikate\u013esk\u00e9 vzdel\u00e1vanie. \u010castokr\u00e1t sa stret\u00e1vame s t\u00fdm, \u017ee je to ch\u00e1pan\u00e9 sk\u00f4r v u\u017e\u0161om v\u00fdzname slova. To znamen\u00e1, \u017ee je to niekto, kto chce za\u010da\u0165 podnika\u0165. Mal by teda vedie\u0165 pripravi\u0165 podnikate\u013esk\u00fd z\u00e1mer, ma\u0165 finan\u010dn\u00fa gramotnos\u0165, pozna\u0165 ekonomick\u00e9 ukazovatele at\u010f. Ale podnikavos\u0165 sa d\u00e1 ch\u00e1pa\u0165 aj v \u0161ir\u0161om v\u00fdzname slova. To znamen\u00e1, \u017ee \u010dlovek je podnikav\u00fd, anga\u017eovan\u00fd, iniciat\u00edvny. M\u00f4\u017ee to predstavova\u0165 s\u00fabor r\u00f4znych, najm\u00e4 m\u00e4kk\u00fdch zru\u010dnost\u00ed. Ve\u013emi dobre to vyjadruje EntreComp, ktor\u00fd bol vydan\u00fd Eur\u00f3pskou komisiou a hovor\u00ed o tom, &nbsp;\u017ee je to schopnos\u0165 alebo zru\u010dnos\u0165 pretavi\u0165 my\u0161lienky do hodnoty, ktor\u00e1 nemus\u00ed by\u0165 len ekonomick\u00e1, ale aj spolo\u010densk\u00e1.<\/p>\n<p>Tak\u017ee ke\u010f sa bav\u00edme o podnikavosti, rada to st\u00e1\u010dam sk\u00f4r na s\u00fabor m\u00e4kk\u00fdch zru\u010dnost\u00ed, ktor\u00e9 sa neu\u010dia, ale m\u00f4\u017eeme ich rozv\u00edja\u0165. V z\u00e1sade si mysl\u00edm, \u017ee tie zru\u010dnosti m\u00e1 ka\u017ed\u00fd z&nbsp;n\u00e1s. Napr\u00edklad die\u0165a je od mala hrav\u00e9 i&nbsp;kreat\u00edvne, p\u00fdta sa a my to v \u0148om podporujeme. Ke\u010f v\u0161ak pr\u00edde do \u0161kolsk\u00e9ho syst\u00e9mu, tak to v \u0148om trochu ub\u00edjame. Tak\u017ee je sk\u00f4r na n\u00e1s a na \u0161kol\u00e1ch, aby sme tieto zru\u010dnosti rozv\u00edjali.<\/p>\n<p><strong>Stredn\u00e1 odborn\u00e1 \u0161kola pripravuje \u017eiakov na zamestnanie. Ako vyu\u010den\u00ed odborn\u00edci v\u0161ak nemusia \u010daka\u0165 na to, \u010di ich niekto zamestn\u00e1 a m\u00f4\u017eu za\u010da\u0165 podnika\u0165. Ako ich m\u00f4\u017ee \u0161kola pripravi\u0165 aj na podnikanie?<\/strong><\/p>\n<p>GH: Ka\u017ed\u00e1 stredn\u00e1 \u0161kola, dokonca u\u017e aj z\u00e1kladn\u00e1 \u0161kola si m\u00f4\u017ee da\u0165 do \u0161kolsk\u00e9ho vzdel\u00e1vacieho programu predmet cvi\u010dn\u00e1 firma. Je to simul\u00e1cia re\u00e1lneho podnikania. \u017diaci si v tre\u0165om alebo \u0161tvrtom ro\u010dn\u00edku, pod\u013ea toho ako si to \u0161kola zadefinovala v&nbsp;\u0161kolskom vzdel\u00e1vacom programe, zalo\u017eia cvi\u010dn\u00fa firmu a na za\u010diatku si ur\u010dia podnikate\u013esk\u00fd z\u00e1mer. Dopracova\u0165 sa k&nbsp;nemu m\u00f4\u017eu brainstormingom. Zistia, ak\u00fd predmet podnikania bude \u017eiakov bavi\u0165 a potom stavaj\u00fa na tom, \u010do si spolo\u010dne v r\u00e1mci prv\u00fdch hod\u00edn cvi\u010dnej firmy nastavia. Cvi\u010dn\u00e1 firma pou\u017e\u00edva v\u0161etky re\u00e1lne doklady. Jej n\u00e1protivkom s\u00fa \u00farady ako \u017eivnostensk\u00fd odbor, obchodn\u00fd register, soci\u00e1lna pois\u0165ov\u0148a, zdravotn\u00e1 pois\u0165ov\u0148a, banka, da\u0148ov\u00fd \u00farad, finan\u010dn\u00fd \u00farad a coln\u00fd \u00farad. To predstavuje \u0160t\u00e1tny in\u0161tit\u00fat odborn\u00e9ho vzdel\u00e1vania cez svoj odbor Slovensk\u00e9 centrum cvi\u010dn\u00fdch firiem, ktor\u00e9 m\u00e1 u\u017e viac ako 20 ro\u010dn\u00fa trad\u00edciu. M\u00e1me u\u017e teda ve\u013ea absolventov, ktor\u00ed s\u00fa skvel\u00ed mana\u017e\u00e9ri aj vo ve\u013ek\u00fdch korpor\u00e1toch, alebo s\u00fa v\u00fdborn\u00ed podnikatelia s \u00faspe\u0161n\u00fdmi firmami.<\/p>\n<p><strong>Diskutujeme o cvi\u010dnej firme, ktor\u00e1 simuluje fungovanie firmy. D\u00e1 sa pod\u013ea v\u00e1s ohmata\u0165 trh aj bez re\u00e1lnych z\u00e1kazn\u00edkov?<\/strong><\/p>\n<p>MP: Hne\u010f na za\u010diatku spomeniem Business Model Canvas. &nbsp;Je ve\u013emi dobre si ho n\u00e1js\u0165 a pozrie\u0165. Pon\u00faka z\u00e1kladn\u00e9 ot\u00e1zky, na ktor\u00e9 si mus\u00edme odpoveda\u0165, aby sme vedeli zre\u00e1lni\u0165 n\u00e1\u0161 projekt. Na za\u010diatok by bolo samozrejme \u00faplne ide\u00e1lne, aby \u017eiaci pri\u0161li na to, \u010do trh potrebuje. To znamen\u00e1, aby svojim projektom rie\u0161ili re\u00e1lny a konkr\u00e9tny probl\u00e9m. Potom sa vieme ve\u013emi \u013eahko odv\u00edja\u0165 \u010falej. N\u00e1sledne potrebujeme pam\u00e4ta\u0165 na financie. \u010castokr\u00e1t sa stret\u00e1vam s t\u00fdm, \u017ee projekty s\u00fa finan\u010dne n\u00e1ro\u010dn\u00e9. Ak ich teda na za\u010diatku nem\u00e1me, tak u\u017e teraz vieme, \u017ee projekt je sk\u00f4r nere\u00e1lny. M\u00e1lokedy sa stane, \u017ee dostaneme dot\u00e1ciu alebo invest\u00edciu.<\/p>\n<p>Druh\u00e1 d\u00f4le\u017eit\u00e1 vec je anal\u00fdza trhu. Ak to, \u010do chceme vytv\u00e1ra\u0165 u\u017e existuje, potrebujeme si definova\u0165, ak\u00e1 je na\u0161a pridan\u00e1 hodnota. Pre\u010do sme my t\u00ed, ktor\u00fdch by si mali z\u00e1kazn\u00edci vybra\u0165. Rovnako d\u00f4le\u017eit\u00e9 je vedie\u0165, \u010di n\u00e1\u0161 projekt, produkt alebo slu\u017eba m\u00e1 cie\u013eov\u00fa skupinu na trhu. \u010ci na trhu existuje z\u00e1kazn\u00edk, ktor\u00fd je ochotn\u00fd za to zaplati\u0165. A&nbsp;tie\u017e to, ak\u00e1 ve\u013ek\u00e1 je cie\u013eov\u00e1 skupina.<\/p>\n<p>Ke\u010f si pozrieme prieskum trhu, ve\u013emi pekne sa vieme odrazi\u0165 aj od firiem, ktor\u00e9 napr\u00edklad robia nie\u010do podobn\u00e9 alebo to ist\u00e9, \u010do chceme robi\u0165 my. Pozrieme sa na ich ekonomick\u00e9 ukazovatele a&nbsp;zist\u00edme, ako firmy vyzeraj\u00fa v r\u00e1mci tr\u017eieb, zisku a podobne. A to n\u00e1m vie ve\u013ea napoveda\u0165 o tom, kam sa m\u00f4\u017eeme posun\u00fa\u0165.<\/p>\n<p><strong>Postupne sa dost\u00e1vame k podnikate\u013esk\u00e9mu z\u00e1meru. M\u00f4\u017eeme si poveda\u0165, ak\u00e9 m\u00e1 z\u00e1kladn\u00e9 \u010dasti?<\/strong><\/p>\n<p>MP: Pri tvorbe podnikate\u013esk\u00fdch z\u00e1merov aj my roky pou\u017e\u00edvame Business Model Canvas. Podnikate\u013esk\u00fd z\u00e1mer je nie\u010do in\u00e9, ako je napr\u00edklad podnikate\u013esk\u00fd pl\u00e1n, ktor\u00fd si vy\u017eaduj\u00fa napr\u00edklad banky. Na za\u010diatok si potrebujeme zodpoveda\u0165 tie z\u00e1kladn\u00e9 ot\u00e1zky, ktor\u00e9 tento model rie\u0161i \u2013 ak\u00fd je n\u00e1\u0161 projekt, kto je na\u0161a cie\u013eov\u00e1 skupina, s ak\u00fdmi financiami do toho ideme, \u010di\u017ee \u010do s\u00fa na\u0161e zdroje a ak\u00fdmi kan\u00e1lmi ideme oslovova\u0165 na\u0161e cie\u013eov\u00e9 skupiny. A&nbsp;u\u017e spom\u00ednan\u00e1 pridan\u00e1 hodnota. Teda \u010do je to odli\u0161n\u00e9 od na\u0161ej konkurencie. N\u00e1sledne s\u00fa to r\u00f4zni stakeholderi, ktor\u00ed n\u00e1m zasahuj\u00fa do projektu a m\u00f4\u017eu ho pozit\u00edvne alebo negat\u00edvne ovplyvni\u0165. Ve\u013emi d\u00f4le\u017eit\u00e1 je aj cenotvorba.<\/p>\n<p><strong>Ako si viem overi\u0165 v praxi, \u010di som urobila dobr\u00fd podnikate\u013esk\u00fd z\u00e1mer? Mysl\u00edm v praxi cvi\u010dnej firmy.<\/strong><\/p>\n<p>MP: Na za\u010diatok je ur\u010dite najjednoduch\u0161ie sp\u00fdta\u0165 sa kamar\u00e1tov, rodiny. Samozrejme tam nemus\u00edme v\u017edy dosta\u0165 relevantn\u00fa odpove\u010f, lebo m\u00f4\u017eu by\u0165 k n\u00e1m mil\u0161\u00ed, ako by sme potrebovali. Potom je dobr\u00e9 p\u00fdta\u0165 sa potenci\u00e1lnych z\u00e1kazn\u00edkov. Potrebujeme si vy\u0161pecifikova\u0165 na\u0161e cie\u013eov\u00e9 skupiny tak, aby sme si vytvorili konkr\u00e9tne pers\u00f3ny. Potom si m\u00f4\u017eeme poveda\u0165, kde ich n\u00e1jdeme a p\u00fdta\u0165 sa ich. Ve\u010f nap\u00edsa\u0165 e-mail alebo zatelefonova\u0165 je dnes ve\u013emi jednoduch\u00e9. Rovnako m\u00f4\u017eeme vytvori\u0165 r\u00f4zne ankety cez Google formul\u00e1re alebo cez soci\u00e1lne siete. M\u00f4\u017eeme sa p\u00fdta\u0165 a uvid\u00edme, ak\u00fa sp\u00e4tn\u00fa v\u00e4zbu dostaneme. Zist\u00edme, \u010di n\u00e1m z\u00e1kazn\u00edk reaguje alebo nie.<\/p>\n<p><strong>\u010ci\u017ee neb\u00e1\u0165 sa \u00eds\u0165 aj do ul\u00edc a oslovi\u0165 nezn\u00e1mych \u013eud\u00ed.<\/strong><\/p>\n<p>MP: Ur\u010dite. A&nbsp;u\u017eito\u010dn\u00e9 s\u00fa aj konzult\u00e1cie. My a&nbsp;samozrejme aj in\u00e9 in\u0161tit\u00facie pon\u00fakame mo\u017enos\u0165 nepodnikate\u013eom s konkr\u00e9tnym podnikate\u013esk\u00fdm pl\u00e1nom poradi\u0165 sa. Vieme pon\u00faknu\u0165 napr\u00edklad vypracovanie \u0161t\u00fadie realizovate\u013enosti alebo im n\u00e1\u0161 konzultant vie pom\u00f4c\u0165 s&nbsp;vypracovan\u00edm marketingovej strat\u00e9gie, dokon\u010den\u00edm v\u00fdvoja produktu.<\/p>\n<p><strong>Ke\u010f sa dostaneme na druh\u00fa stranu &#8211; ak\u00e9 odpor\u00fa\u010dania by ste dali u\u010dite\u013eom, ktor\u00ed tento rok u\u010dia predmet cvi\u010dn\u00e1 firma prv\u00fdkr\u00e1t a teda aj podnikate\u013esk\u00fd z\u00e1mer pripravuj\u00fa so \u017eiakmi po prv\u00fdkr\u00e1t?<\/strong><\/p>\n<p>MP: Sk\u00fasi\u0165 ich konfrontova\u0165 s re\u00e1lnymi ot\u00e1zkami, ktor\u00e9 m\u00f4\u017eu vznikn\u00fa\u0165 zo strany trhu. Tro\u0161ku ich don\u00fati\u0165 k tomu, aby sa zamysleli nad t\u00fdm, \u010do s\u00fa z\u00e1kladn\u00e9 oblasti Business Model Canvas. \u010casto sa n\u00e1m st\u00e1va, \u017ee cie\u013eov\u00e1 skupina je ve\u013emi v\u0161eobecn\u00e1. Povieme si, \u017ee s\u00fa to v\u0161etci alebo mlad\u00ed \u013eudia. Ale sk\u00fasme \u00eds\u0165 viac do h\u013abky.<\/p>\n<p>Rovnako potrebujeme zre\u00e1lni\u0165 finan\u010dn\u00e9 \u010dasti projektu. Pri mnoh\u00fdch projektoch vid\u00edme, \u017ee pl\u00e1novan\u00e9 tr\u017eby s\u00fa jednoducho tro\u0161ku vymyslen\u00e9, \u017ee nestoja na re\u00e1lnych z\u00e1kladoch. To znamen\u00e1, \u017ee si mus\u00edme poveda\u0165 ko\u013eko z\u00e1kazn\u00edkov vieme re\u00e1lne zvl\u00e1dnu\u0165 za jeden de\u0148, t\u00fd\u017ede\u0148, mesiac a \u010do n\u00e1m to prinesie. \u010co je na\u0161a mar\u017ea a ak\u00e9 m\u00e1me zlo\u017eenie v\u00fddavkov, ktor\u00e9 potrebujeme na v\u00fdrobu n\u00e1\u0161ho produktu alebo slu\u017eby. Netreba zabudn\u00fa\u0165 zapo\u010d\u00edta\u0165 tie\u017e napr\u00edklad notebook, elektrinu a n\u00e1\u0161 vlastn\u00fd \u010das, ktor\u00fd projektu venujeme. Ten by mal by\u0165 tie\u017e re\u00e1lne ohodnoten\u00fd.<\/p>\n<p>U\u010ditelia by mali sk\u00fasi\u0165 \u017eiakov konfrontova\u0165 s t\u00fdmito ot\u00e1zkami a ak si naozaj nevedia rady, tak pre m\u0148a je v\u017edy odpove\u010f s\u00fakromn\u00e1 sf\u00e9ra. Bola by som rada, ak by viac \u0161k\u00f4l vedelo spolupracova\u0165 so s\u00fakromnou sf\u00e9rou, preto\u017ee \u010di u\u017e si zavol\u00e1te podnikate\u013ea alebo mana\u017e\u00e9ra z&nbsp;firmy, oni ve\u013emi radi pr\u00eddu a pom\u00f4\u017eu \u017eiakom vytv\u00e1ra\u0165 projekty a konfrontova\u0165 ich s re\u00e1lnymi ot\u00e1zkami z&nbsp;trhu teraz, ke\u010f ich to tak ve\u013emi nebol\u00ed a vedia si projekt e\u0161te pretavi\u0165 do re\u00e1lnej\u0161ej podoby. Z\u00e1rove\u0148 sa u\u010dia odprezentova\u0165 projekt pred mana\u017e\u00e9rom alebo podnikate\u013eom, \u010d\u00edm si tr\u00e9nuj\u00fa prezent\u00e1ciu, v ktorej mnoh\u00ed, nielen mlad\u00ed podnikatelia, ale aj star\u0161\u00ed, zlyh\u00e1vaj\u00fa.<\/p>\n<p><strong>Ak\u00e1 je \u00faloha \u0160t\u00e1tneho in\u0161tit\u00fatu odborn\u00e9ho vzdel\u00e1vania v oblasti pomoci u\u010dite\u013eom, ktor\u00ed u\u010dia cvi\u010dn\u00fa firmu?<\/strong><\/p>\n<p>GH: &nbsp;My ako \u0160IOV m\u00e1me v&nbsp;tomto tri hlavn\u00e9 \u00falohy. &nbsp;O&nbsp;prvej ve\u013ekej \u00falohe som u\u017e hovorila. Je to simul\u00e1cia \u00faradov \u0161t\u00e1tnej spr\u00e1vy, aby podnikanie v&nbsp;cvi\u010dnej firme bolo \u010do najre\u00e1lnej\u0161ie. Druh\u00e1 ve\u013ek\u00e1 \u00faloha je pr\u00edprava semin\u00e1rov a metodick\u00fdch materi\u00e1lov \u010di pr\u00edru\u010diek. Ak je nov\u00e1 legislat\u00edva, sna\u017e\u00edme sa ju u\u010dite\u013eom prijate\u013enej\u0161ou formou spr\u00edstupni\u0165. V\u0161etko zverej\u0148ujeme na na\u0161om webe \u0160IOV pod \u010das\u0165ou Slovensk\u00e9 centrum cvi\u010dn\u00fdch firiem.<\/p>\n<p>Aktu\u00e1lne sa v\u0161ak potrebujeme zamera\u0165 na podnikate\u013esk\u00fd z\u00e1mer. V\u0161etk\u00e9mu ostatn\u00e9mu sme sa v r\u00e1mci cvi\u010dnej firmy venovali a venujeme u\u017e viac ako 20 rokov. Ale v r\u00e1mci podnikate\u013esk\u00e9ho z\u00e1meru potrebujeme nasmerova\u0165 u\u010dite\u013eov, aby ich vedeli zre\u00e1l\u0148ova\u0165. Aj tento rok boli na s\u00fa\u0165a\u017ei Skills Slovakia &nbsp;\u201eJUPOV \u2013 Podnikate\u013esk\u00e9 zru\u010dnosti v cvi\u010dnej firme\u201c v\u00fdborn\u00ed \u017eiaci. Vyhrali v dvoch ve\u013ek\u00fdch kateg\u00f3ri\u00e1ch. Hlavn\u00e1 kateg\u00f3ria bola pr\u00e1ve podnikate\u013esk\u00fd z\u00e1mer a druh\u00e1 kateg\u00f3ria bola tvoriv\u00e1 kateg\u00f3ria, zameran\u00e1 na podporu ako marketing a podobne. Na\u0161i v\u00ed\u0165azi p\u00f4jdu na p\u00e4\u0165 dn\u00ed tvori\u0165 podnikate\u013esk\u00fd z\u00e1mer na EuroSkills, kde bud\u00fa s\u00fa\u0165a\u017ei\u0165 s&nbsp;\u010fal\u0161\u00edmi z desiatich kraj\u00edn.<\/p>\n<p><strong>Mo\u017eno okrem zre\u00e1lnenia, ak\u00e9 in\u00e9 chyby robia mlad\u00ed podnikatelia pri tvorbe podnikate\u013esk\u00fdch z\u00e1merov? \u010co zvykn\u00fa podceni\u0165?<\/strong><\/p>\n<p>MP: Finan\u010dn\u00fa gramotnos\u0165 by som spomenula ako prv\u00fa. Na Slovensku je vidie\u0165 tak\u00e9 \u0161pecifikum, \u017ee ke\u010f sa firme za\u010d\u00edna u\u017e tro\u0161ku dari\u0165, m\u00e1 tr\u017eby, mo\u017eno aj zisky, tak podnikatelia maj\u00fa potrebu to uk\u00e1za\u0165 in\u00fdm. Zabezpe\u010dia si napr\u00edklad drah\u00e9 aut\u00e1. Potrebuj\u00fa to uk\u00e1za\u0165. Je v\u0161ak lep\u0161ie tie peniaze investova\u0165 sp\u00e4\u0165 do firmy, \u010do sa im samozrejme vr\u00e1ti. Alebo si odklada\u0165 na hor\u0161ie \u010dasy, preto\u017ee tie pr\u00eddu. Len m\u00e1loktorej firme sa dar\u00ed neust\u00e1le. Tak\u017ee ke\u010f pr\u00eddu hor\u0161ie \u010dasy, zn\u00ed\u017ei sa po\u010det objedn\u00e1vok, vtedy je tie\u017e d\u00f4le\u017eit\u00e9 plati\u0165 svoje z\u00e1v\u00e4zky. \u010ci u\u017e vo\u010di dod\u00e1vate\u013eom alebo pr\u00edpadn\u00fdm zamestnancom. Na Slovensku sme v tomto pod\u013ea m\u0148a op\u00e4\u0165 v\u00fdnimo\u010dn\u00ed a nie v\u017edy to dodr\u017eiavame. Tak\u017ee na za\u010diatku naozaj nepotrebujeme tie najdrah\u0161ie aut\u00e1, nepotrebujeme leasingy, \u00favery, ktor\u00e9 nes\u00favisia s&nbsp;rozvojom firmy a&nbsp;podobne.<\/p>\n<p>A potom op\u00e4\u0165 spomeniem prezent\u00e1cie. Mnoh\u00ed to podce\u0148uj\u00fa. Myslia si, \u017ee poznaj\u00fa projekt. Ale potom, ke\u010f pr\u00eddu do situ\u00e1cie, v&nbsp;ktorej ho maj\u00fa odprezentova\u0165 za dve-tri min\u00faty tak, aby ho ostatn\u00ed pochopili, my\u0161lienky jednoducho aj vplyvom stresu neprich\u00e1dzaj\u00fa. \u010castokr\u00e1t sa na tomto zlyh\u00e1va.<\/p>\n<p><strong>Plat\u00ed to aj pre \u017eiakov?<\/strong><\/p>\n<p>GH: Mysl\u00edm, \u017ee \u00faplne. V r\u00e1mci Medzin\u00e1rodn\u00e9ho ve\u013etrhu cvi\u010dn\u00fdch firiem m\u00e1me s\u00fa\u0165a\u017e \u201e90 sek\u00fand vo v\u00fd\u0165ahu\u201c. Nevymysleli sme to my, ale v\u010faka n\u00e1\u0161mu \u010dlenstvu vo svetovom zdru\u017een\u00ed cvi\u010dn\u00fdch firiem PEN Worldwide chodia na\u0161e firmy reprezentova\u0165 Slovensko na svetov\u00e9 s\u00fa\u0165a\u017ee, napr\u00edklad do Prahy. &nbsp;A v r\u00e1mci toho musia za 90 sek\u00fand predstavi\u0165 jedine\u010dnos\u0165 svojej firmy tak, aby to zaujalo porotu aj v\u0161etk\u00fdch ostatn\u00fdch. Naozaj sa st\u00e1va, \u017ee \u017eiaci porozpr\u00e1vaj\u00fa to, \u017ee maj\u00fa riadite\u013ea a&nbsp;mnoho \u010fal\u0161\u00edch zbyto\u010dnost\u00ed a&nbsp;neuvedomia si, \u017ee potrebuj\u00fa predstavi\u0165 to, \u010d\u00edm s\u00fa unik\u00e1tni, \u010d\u00edm je ich firma \u0161pecifick\u00e1. Ve\u013emi d\u00f4le\u017eit\u00fd je aj sp\u00f4sob ako prezentuj\u00fa. &nbsp;Ale v\u0161etko je to aj o tr\u00e9ningu.<\/p>\n<p>Tretia ve\u013ek\u00e1 vec, ktor\u00fa rob\u00edme ako Slovensk\u00e9 centrum cvi\u010dn\u00fdch firiem, je organizovanie alebo partnerstvo pri organizovan\u00ed region\u00e1lnych ve\u013etrhov, kontrakta\u010dn\u00fdch dn\u00ed a ve\u013ek\u00e9ho Medzin\u00e1rodn\u00e9ho ve\u013etrhu slovensk\u00fdch cvi\u010dn\u00fdch firiem na Slovensku. Na tento ve\u013etrh chodia aj zahrani\u010dn\u00ed partneri. Je to v\u00fdborn\u00fd tr\u00e9ning komunik\u00e1cie, aj v&nbsp;cudzom jazyku.<\/p>\n<p><strong>Ve\u013etrh cvi\u010dn\u00fdch firiem bude aj tento rok v&nbsp;novembri. M\u00f4\u017ee\u0161 n\u00e1m poveda\u0165 presn\u00fd d\u00e1tum a&nbsp;miesto?<\/strong><\/p>\n<p>GH: Ve\u013etrh cvi\u010dn\u00fdch firiem bude tento rok v N\u00e1rodnom tenisovom centre v&nbsp;Bratislave, v d\u0148och 25. &#8211; 27. novembra 2025. Srde\u010dne v\u0161etk\u00fdch poz\u00fdvame &#8211; verejnos\u0165, rodi\u010dov aj podnikate\u013eov. Na ve\u013etrh si m\u00f4\u017eete pr\u00eds\u0165 aj nak\u00fapi\u0165. Re\u00e1lne aj fikt\u00edvne.<\/p>\n<p><strong>Vr\u00e1\u0165me sa k s\u00fa\u0165a\u017ei JUPOV. Pani Piro\u0161kov\u00e1, tento rok ste boli v&nbsp;porote. \u010co v\u00e1s na pr\u00e1cach stredo\u0161kol\u00e1kov najviac zaujalo?<\/strong><\/p>\n<p>MP: Som ve\u013emi rada, \u017ee sa do toho to\u013eko \u0161tudentov pustilo, preto\u017ee to robia, predpoklad\u00e1m, vo svojom vo\u013enom \u010dase. No pod\u013ea m\u0148a im to d\u00e1 obrovsk\u00fa pridan\u00fa hodnotu. Aj Gabika to u\u017e spom\u00ednala, \u017ee to nie je len o tom, \u010di projekt vznikne ako podnikanie. D\u00f4le\u017eit\u00e9 je, \u017ee \u017eiaci z\u00edskaj\u00fa r\u00f4zne zru\u010dnosti a vedomosti navy\u0161e oproti \u0161tandardn\u00e9mu vzdel\u00e1vaciemu syst\u00e9mu. A&nbsp;to vedia vyu\u017ei\u0165 v zamestnan\u00ed. Zamestn\u00e1vate\u013e naozaj ocen\u00ed, \u017ee robia nie\u010do navy\u0161e, boli anga\u017eovan\u00ed a&nbsp;vedeli spolupracova\u0165 s&nbsp;ostatn\u00fdmi. Z\u00e1rove\u0148 som naozaj rada, \u017ee aj u\u010ditelia sa do toho zap\u00e1jaj\u00fa a \u017ee sa tomu chc\u00fa vo svojom vo\u013enom \u010dase venova\u0165 a odovzda\u0165 \u017eiakom nie\u010do navy\u0161e.<\/p>\n<p><strong>Ktor\u00e1 firma vo v\u00e1s najviac zarezonovala? Boli to v\u00ed\u0165azi alebo niekto in\u00fd?<\/strong><\/p>\n<p>MP: &nbsp;Moja tajn\u00e1 srdcovka bol projekt jedn\u00e9ho soci\u00e1lneho podniku. Tak\u017ee sa nem\u00f4\u017eeme \u00faplne bavi\u0165 v rovine biznisu, kde idem zar\u00e1ba\u0165. Je to sk\u00f4r o dot\u00e1ci\u00e1ch a pr\u00edspevkoch. V&nbsp;r\u00e1mci tohto projektu chceli vytvori\u0165 hospod\u00e1rsku farmu. Bolo to v menej rozvinutom regi\u00f3ne, tak\u017ee naozaj vytv\u00e1rali pekn\u00fa komunitu, nov\u00e9 pracovn\u00e9 miesta a&nbsp;chceli podporova\u0165 aj soci\u00e1lne znev\u00fdhodnen\u00e9 skupiny. Tento projekt bol pre m\u0148a ve\u013emi pekn\u00fd. Mal ve\u013emi dobre vypracovan\u00fd podnikate\u013esk\u00fd z\u00e1mer. Bola tam anal\u00fdza, vedeli ako to chc\u00fa financova\u0165 a mali pred-dohodnut\u00e9 aj nejak\u00e9 spolupr\u00e1ce s mestom a podobne.<\/p>\n<p>Mnoho projektov tam malo potenci\u00e1l, ale zlyhali na prezent\u00e1cii. Jednoducho n\u00e1m nevedeli odovzda\u0165 hlavn\u00fa my\u0161lienku tak, aby sme ju uchopili. Nepripravili sa na ot\u00e1zky komisie, ktor\u00e9 s\u00fa v z\u00e1sade \u0161tandardn\u00e9 ot\u00e1zky zo strany trhu.<\/p>\n<p>Projekt, ktor\u00fd vyhral, pred\u00e1val ovocn\u00e9 a zeleninov\u00e9 \u0161\u0165avy. \u017diaci mali naozaj vynikaj\u00facu prezent\u00e1ciu. Boli sebavedom\u00ed, vedeli odpoveda\u0165 na ot\u00e1zky, vedeli sa vyn\u00e1js\u0165. To n\u00e1s up\u00fatalo. Prezent\u00e1cia tam zohrala ve\u013emi ve\u013ek\u00fa \u00falohu. &nbsp;<\/p>\n<p>Ch\u00e1pem, \u017ee nie ka\u017ed\u00fd m\u00e1 prezenta\u010dn\u00e9 zru\u010dnosti, niekto je jednoducho v strese a je to mimo jeho komfortnej z\u00f3ny. Plne tomu rozumiem, a preto je mo\u017eno fajn, aby si v r\u00e1mci t\u00edmu na\u0161iel niekoho, pre koho je to siln\u00e1 str\u00e1nka. Porozpr\u00e1va mu svoju my\u0161lienku, on ju pochop\u00ed, prijme za svoju a je ochotn\u00fd za \u0148u vyst\u00fapi\u0165 a odprezentova\u0165 ju tak, aby potenci\u00e1lnych klientov \u010di partnerov zaujal a&nbsp;oni zobrali t\u00fa my\u0161lienku za svoju.<\/p>\n<p><strong>Gabi, tebe ktor\u00fd projekt na s\u00fa\u0165a\u017ei zarezonoval najviac?<\/strong><\/p>\n<p>GH: Tu mus\u00edm poveda\u0165, \u017ee projekty 10 finalistov boli na rovnakej \u00farovni. &nbsp;A v r\u00e1mci osobnej prezent\u00e1cie to bola stredn\u00e1 \u0161kola z&nbsp;Detvy, ktorej \u017eiaci mali v\u00fdborn\u00fd projekt. V\u0161etk\u00fdm sa n\u00e1m ve\u013emi p\u00e1\u010dil.<\/p>\n<p>Naozaj ve\u013emi d\u00f4le\u017eit\u00e9 je vedie\u0165 sa v&nbsp;r\u00e1mci autorsk\u00fdch t\u00edmov kolegi\u00e1lne dohodn\u00fa\u0165 a spr\u00e1vne si rozdeli\u0165 \u00falohy. To je aj \u00faloha u\u010dite\u013eov, aby pomohli ka\u017ed\u00e9mu n\u00e1js\u0165 svoju rolu. Ale tak je to aj v&nbsp;\u017eivote. Ke\u010f n\u00e1jdete t\u00fa spr\u00e1vnu \u00falohu a bav\u00ed v\u00e1s, ste \u00fa\u017easn\u00ed v pr\u00e1ci, v ktorej tr\u00e1vime to\u013eko \u010dasu \u2013 \u010di u\u017e ako podnikate\u013e, alebo zamestnanec. Ve\u013emi d\u00f4le\u017eit\u00e9 je, aby v\u00e1s to bavilo.<\/p>\n<p><strong>P\u00e1r tipov tu u\u017e odznelo, ale ak by n\u00e1s po\u010d\u00faval niekto, kto rozm\u00fd\u0161\u013ea nad t\u00fdm, \u017ee sa prihl\u00e1si do \u010fal\u0161ieho ro\u010dn\u00edka JUPOV, \u010do by ste mu e\u0161te poradili?<\/strong><\/p>\n<p>MP: &nbsp;Mo\u017eno sa budem opakova\u0165, ale naozaj to vie by\u0165 pridanou hodnotou pre bud\u00faci \u017eivot. \u010clovek, ktor\u00fd s&nbsp;takouto sk\u00fasenos\u0165ou vst\u00fapi na pracovn\u00fd trh &#8211; \u010di u\u017e ako podnikate\u013e alebo ako zamestnanec, vie hne\u010f do praxe pretavi\u0165 vedomosti, ktor\u00e9 sa nau\u010dil v&nbsp;\u0161kole.<\/p>\n<p>A \u010do sa t\u00fdka u\u010dite\u013eov, t\u00ed d\u00e1vaj\u00fa \u017eiakom nie\u010do navy\u0161e, \u010do v bud\u00facnosti vyu\u017eij\u00fa. M\u00e1me mnoh\u00e9 \u0161tatistiky, ktor\u00e9 hovoria, \u017ee je naozaj fajn, ke\u010f si \u017eiaci vysk\u00fa\u0161aj\u00fa cvi\u010dn\u00e9 firmy a \u0161tudentsk\u00e9 cvi\u010dn\u00e9 firmy po\u010das \u0161koly. D\u00e1 im to ove\u013ea viac ako samostatn\u00e9 \u0161t\u00fadium.<\/p>\n<p><strong>Gabi, m\u00e1\u0161 tie\u017e tip na doplnenie?<\/strong><\/p>\n<p>GH: &nbsp;\u00daplne s\u00fahlas\u00edm. Naozaj som u\u017e dlho v tejto oblasti cvi\u010dn\u00fdch firiem a naozaj vid\u00edm, \u010do to \u017eiakom prinieslo. S\u00fa to \u00faspe\u0161n\u00ed podnikatelia alebo \u00faspe\u0161n\u00ed zamestnanci a ke\u010f ich stretnem, rozpr\u00e1vaj\u00fa mi, pre\u010do sa dali na t\u00fa konkr\u00e9tnu t\u00e9mu. Hovoria mi o&nbsp;tom, ako ich cvi\u010dn\u00e1 firma nasmerovala do bud\u00facna.<\/p>\n<p><strong>Pani Piro\u0161kov\u00e1, m\u00e1te dlhoro\u010dn\u00fa sk\u00fasenos\u0165 s&nbsp;podnikate\u013emi. Ak\u00fd osobn\u00fd pr\u00edbeh by ste vedeli spomen\u00fa\u0165, kde dobr\u00fd podnikate\u013esk\u00fd z\u00e1mer na za\u010diatku pomohol rozbehn\u00fa\u0165 \u00faspe\u0161n\u00fd biznis?<\/strong><\/p>\n<p>MP: Za tie roky, \u010do spolupracujem na r\u00f4znych projektoch alebo s r\u00f4znymi \u013eu\u010fmi, som sa nau\u010dila, \u017ee \u010dastokr\u00e1t si mysl\u00edme, \u017ee projekt je len \u010fal\u0161ia aplik\u00e1cia a nebude \u00faspe\u0161n\u00fd, ale nakoniec sa vydar\u00ed. To, \u010do som sa nau\u010dila, je, \u017ee nem\u00f4\u017eeme ods\u00fadi\u0165 projekt hne\u010f na za\u010diatku. Jednoducho je to naozaj o \u010dloveku a o \u013eu\u010foch, ktor\u00ed s\u00fa v \u0148om. Aj piata kaviare\u0148 na tom istom rohu vie zrazu pretavi\u0165 svoju my\u0161lienku do nie\u010doho in\u00e9ho, pre\u010do tam z\u00e1kazn\u00edci bud\u00fa chodi\u0165. Je to naozaj len o \u010dloveku a t\u00edme \u2013 \u010do z toho vedia vybudova\u0165 a \u010do vedia doda\u0165 trhu a z\u00e1kazn\u00edkom.<\/p>\n<p><strong>Slovak Business Agency pon\u00faka r\u00f4zne formy podpory mlad\u00fdm podnikate\u013eom, ako sa k nim m\u00f4\u017eu dosta\u0165 napr\u00edklad absolventi strednej \u0161koly aj mimo Bratislavy?<\/strong><\/p>\n<p>MP: Aktu\u00e1lne m\u00e1me v Slovak Business Agency pobo\u010dku iba v&nbsp;Bratislave. V\u0161etky slu\u017eby v\u0161ak poskytujeme aj v online priestore. Ak\u00e9ko\u013evek kurzy podnikate\u013esk\u00fdch zru\u010dnost\u00ed, marketingu, legislat\u00edvy a&nbsp;pod. Pon\u00fakame aj tr\u00e9ningy m\u00e4kk\u00fdch zru\u010dnost\u00ed. Ak by boli ot\u00e1zky zo \u0161pecifickej oblasti podnikania, m\u00e1me k dispoz\u00edcii konzult\u00e1cie, ktor\u00e9 prebiehaj\u00fa aj online. A mo\u017eno by som e\u0161te spomenula sch\u00e9mu a program na podporu start-upov, kde m\u00e1me tie\u017e ve\u013emi cenn\u00e9 mo\u017enosti podpory. \u0160kol\u00e1m poskytujeme dot\u00e1cie na podnikate\u013esk\u00e9 vzdel\u00e1vanie. Prostredn\u00edctvom projektov tak rozv\u00edjaj\u00fa u&nbsp;\u017eiakov tie m\u00e4kk\u00e9 zru\u010dnosti, o ktor\u00fdch sme sa bavili na za\u010diatku.<\/p>\n<p><strong>V&nbsp;skratke, sta\u010d\u00ed sledova\u0165 va\u0161u str\u00e1nku, pr\u00edpadne sa prihl\u00e1si\u0165 na obder newslettera &nbsp;a&nbsp;ka\u017ed\u00fd sa dozvie o v\u0161etk\u00fdch mo\u017enostiach, ktor\u00e9 s\u00fa moment\u00e1lne aktu\u00e1lne.<\/strong><\/p>\n<p>MP: \u00c1no, v\u0161etko m\u00e1me bu\u010f v newsletteri,&nbsp; na na\u0161ich web str\u00e1nkach a samozrejme na soci\u00e1lnych sie\u0165ach.<\/p>\n<p><strong>\u010co by ste odk\u00e1zali u\u010dite\u013eom ako povzbudenie na za\u010diatok \u0161kolsk\u00e9ho roka, ktor\u00ed id\u00fa u\u010di\u0165 predmet cvi\u010dn\u00e1 firma?<\/strong><\/p>\n<p>GH: Ja im dr\u017e\u00edm palce. Ale po pr\u00e1zdnin\u00e1ch je to v\u017edy \u00fa\u017easn\u00e9, lebo bud\u00fa pln\u00ed el\u00e1nu u\u010ditelia aj \u017eiaci. Tak\u017ee s vervou do toho. Lebo ke\u010f bude nad\u0161en\u00fd u\u010dite\u013e, bude asi nad\u0161en\u00fd aj \u017eiak. \u010ci\u017ee ke\u010f pr\u00edde so z\u00e1palom u\u010dite\u013e, tak ver\u00edm tomu, \u017ee bud\u00fa zap\u00e1len\u00ed aj \u017eiaci a ke\u010f bud\u00fa zap\u00e1len\u00ed, bud\u00fa horie\u0165 cel\u00fd rok.<\/p>\n<p>MP: Maj\u00fa naozaj m\u00f4j ve\u013ek\u00fd obdiv. Ke\u010f\u017ee sama m\u00e1m rodi\u010dov u\u010dite\u013eov, viem, \u010do obn\u00e1\u0161a pripravova\u0165 sa mimo \u0161kolu a robi\u0165 nie\u010do navy\u0161e. Som rada, \u017ee do toho ide st\u00e1le viac u\u010dite\u013eov, lebo naozaj v\u0161ade vo svete vid\u00edme, \u017ee to m\u00e1 v\u00fdznam, ke\u010f si \u0161tudenti vedia nane\u010disto precvi\u010di\u0165 \u0161tudentsk\u00e9 firmy, z ktor\u00fdch m\u00f4\u017eu vznikn\u00fa\u0165 ve\u013emi pekn\u00e9 projekty.<\/p>\n<p>GH: Ak e\u0161te m\u00f4\u017eem k tomu doda\u0165, mus\u00edm poveda\u0165, \u017ee je to ve\u013emi z\u00e1slu\u017en\u00e1 pr\u00e1ca. Mnohokr\u00e1t v r\u00e1mci cvi\u010dn\u00fdch firiem \u017eiaci komunikuj\u00fa s u\u010dite\u013eom aj o&nbsp;desiatej hodine ve\u010der, ke\u010f\u017ee potrebuj\u00fa tr\u00e9nova\u0165 komunik\u00e1ciu a v\u0161etky zru\u010dnosti. Soci\u00e1lne siete im to umo\u017e\u0148uj\u00fa. Tak\u017ee naozaj klob\u00fak dole. U\u010dite\u013e je za\u0165a\u017een\u00fd ve\u013emi. Ale ak ho to bav\u00ed, tak je to \u00fa\u017easn\u00e9. A hlavne vytv\u00e1ra si \u00faplne in\u00fd vz\u0165ah so \u017eiakmi. A oni doch\u00e1dzaj\u00fa k&nbsp;pou\u010dk\u00e1m na marketingu alebo v&nbsp;ekonomike pr\u00e1cou, \u010di\u017ee praxou.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43e4419 e-flex e-con-boxed e-con e-parent\" data-id=\"43e4419\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff69f69 elementor-widget elementor-widget-heading\" data-id=\"ff69f69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Ako pripravi\u0165 v cvi\u010dnej firme finan\u010dn\u00fd pl\u00e1n, ktor\u00fd m\u00e1 zmysel a bude fungova\u0165 aj v praxi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9ddf58 elementor-widget elementor-widget-text-editor\" data-id=\"c9ddf58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"paragraph normal ng-star-inserted\" data-start-index=\"0\"><p data-start=\"69\" data-end=\"349\">Druhou epiz\u00f3dou n\u00e1\u0161ho seri\u00e1lov\u00e9ho podcastu je diskusia, ktor\u00e1 v\u00e1m odhal\u00ed \u010fal\u0161\u00ed k\u013e\u00fa\u010d k \u00faspe\u0161n\u00e9mu podnikaniu. Ponorili sme sa do t\u00e9my finan\u010dn\u00e9ho pl\u00e1novania, kde n\u00e1\u0161 expert <strong>Ladislav Smoro\u0148<\/strong>, mentor mlad\u00fdch podnikate\u013eov, uk\u00e1zal, pre\u010do je finan\u010dn\u00fd pl\u00e1n ove\u013ea viac ne\u017e len tabu\u013eka v Exceli.<\/p><p data-start=\"351\" data-end=\"933\">Ladislav Smoro\u0148, ktor\u00fd pom\u00e1ha za\u010d\u00ednaj\u00facim podnikate\u013eom nastavi\u0165 \u017eivotaschopn\u00e9 firemn\u00e9 strat\u00e9gie, zd\u00f4raznil, \u017ee finan\u010dn\u00fd pl\u00e1n je ako mapa \u2013 uk\u00e1\u017ee v\u00e1m, kde sa nach\u00e1dzate, kam smerujete a ako sa tam m\u00f4\u017eete dosta\u0165. V\u010faka tomu v\u00fdrazne zvy\u0161uje pravdepodobnos\u0165 \u00faspechu a z\u00e1rove\u0148 \u0161etr\u00ed \u010das aj peniaze. V epiz\u00f3de sa dozviete, pre\u010do je finan\u010dn\u00fd pl\u00e1n nevyhnutn\u00fd pre ka\u017ed\u00fa firmu, dokonca aj pre t\u00fa \u0161kolsk\u00fa, a \u010do v\u0161etko by mal obsahova\u0165. Re\u010d je o pl\u00e1ne v\u00fdnosov a n\u00e1kladov, bode zlomu, cash flow, rozpo\u010dte \u010di zdrojoch financovania, pri\u010dom sme nezabudli ani na n\u00e1klady obetovan\u00fdch pr\u00edle\u017eitost\u00ed.<\/p><p data-start=\"935\" data-end=\"1395\">Diskutujeme aj o tom, ako pristupova\u0165 k predikcii pr\u00edjmov a v\u00fddavkov realisticky a nie prehnane optimisticky, a ak\u00e9 zdroje inform\u00e1ci\u00ed sa pri tom daj\u00fa vyu\u017ei\u0165, napr\u00edklad priemern\u00e9 mar\u017ee konkurencie. Zist\u00edte, pre\u010do je d\u00f4le\u017eit\u00e9 zahrn\u00fa\u0165 do pl\u00e1nu aj anal\u00fdzu citlivosti a ak\u00fa z\u00e1sadn\u00fa \u00falohu zohr\u00e1va cash flow. Ten je \u010dasto e\u0161te d\u00f4le\u017eitej\u0161\u00ed ne\u017e samotn\u00fd zisk na papieri, preto\u017ee zabezpe\u010duje pre\u017eitie firmy.<\/p><p data-start=\"1397\" data-end=\"1865\">Ladislav Smoro\u0148 sa s nami podelil aj o naj\u010dastej\u0161ie chyby, ktor\u00fdch sa mlad\u00ed a za\u010d\u00ednaj\u00faci podnikatelia pri finan\u010dnom pl\u00e1novan\u00ed dop\u00fa\u0161\u0165aj\u00fa, a priniesol ak konkr\u00e9tne pr\u00edklady z mentoringu, kedy pr\u00edprava kvalitn\u00e9ho finan\u010dn\u00e9ho pl\u00e1nu pomohla v\u010das odhali\u0165 slabiny podnikate\u013esk\u00e9ho n\u00e1padu e\u0161te pred vznikom firmy. V\u010faka tomu sa podarilo pred\u00eds\u0165 zbyto\u010dn\u00fdm strat\u00e1m. Ako hovor\u00ed n\u00e1\u0161 hos\u0165, je v\u017edy lep\u0161ie hodi\u0165 do ko\u0161a podnikate\u013esk\u00fd pl\u00e1n aj s finan\u010dn\u00fdm pl\u00e1nom v pr\u00edpravnej f\u00e1ze, ne\u017e pr\u00eds\u0165 o re\u00e1lne peniaze.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e19f761 e-con-full e-flex e-con e-child\" data-id=\"e19f761\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49982f7 elementor-widget elementor-widget-text-editor\" data-id=\"49982f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<iframe data-testid=\"embed-iframe\" style=\"border-radius:12px\" src=\"https:\/\/open.spotify.com\/embed\/episode\/4iBdRcuJDkjPs16NmP36B9?utm_source=generator\" width=\"100%\" height=\"252\" frameborder=\"0\" allowfullscreen=\"\" allow=\"autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture\" loading=\"lazy\"><\/iframe>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3fb7ec e-con-full e-flex e-con e-child\" data-id=\"e3fb7ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cee0f5c elementor-widget elementor-widget-n-accordion\" data-id=\"cee0f5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2160\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2160\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Textov\u00e1 verzia rozhovoru s Ladislavom Smoro\u0148om <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2160\" class=\"elementor-element elementor-element-72b84fe e-con-full e-flex e-con e-child\" data-id=\"72b84fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b471ef elementor-widget elementor-widget-text-editor\" data-id=\"7b471ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><strong>Ako pripravi\u0165 v cvi\u010dnej firme finan\u010dn\u00fd pl\u00e1n, ktor\u00fd m\u00e1 zmysel a bude fungova\u0165 aj v praxi<\/strong><\/p><p><span data-contrast=\"auto\">S\u202fGabrielou Horeckou (GH) a na\u0161im \u0161peci\u00e1lnym hos\u0165om Ladislavom Smoro\u0148om (LS) sme sa rozpr\u00e1vali o finan\u010dnom pl\u00e1ne. Je to t\u00e9ma, ktor\u00e1 mo\u017eno p\u00f4sob\u00ed zlo\u017eito, no v skuto\u010dnosti je ve\u013emi praktick\u00e1. Finan\u010dn\u00fd pl\u00e1n toti\u017e predstavuje most medzi podnikate\u013eskou predstavou a re\u00e1lnym fungovan\u00edm firmy. In\u00fdmi slovami je to sp\u00f4sob, ako si overi\u0165, \u010di m\u00e1 n\u00e1\u0161 n\u00e1pad \u0161ancu uspie\u0165.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Ladislav Smoro\u0148 je odborn\u00edk na osobn\u00e9 a podnikov\u00e9 financie lektor a mentor mlad\u00fdch podnikate\u013eov. Spolupracuje s iniciat\u00edvami, ktor\u00e9 podporuj\u00fa zvy\u0161ovanie finan\u010dnej gramotnosti a podnikavos\u0165 na \u0161kol\u00e1ch a vedie mlad\u00fdch \u013eud\u00ed k tomu, aby sa neb\u00e1li \u010d\u00edsel, preto\u017ee pr\u00e1ve v nich sa \u010dasto skr\u00fdva \u017eivotaschopnos\u0165 ich n\u00e1padu. Ako konzultant v oblasti finan\u010dn\u00e9ho pl\u00e1novania sa dnes s nami podel\u00ed o to, pre\u010do je finan\u010dn\u00fd pl\u00e1n viac ne\u017e len tabu\u013eka v\u202fExceli.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Finan\u010dn\u00fd pl\u00e1n je o\u202fprem\u00fd\u0161\u013ean\u00ed, pom\u00e1ha prepoji\u0165 n\u00e1pad so skuto\u010dn\u00fdmi n\u00e1kladmi, pr\u00edjmami a mo\u017enos\u0165ami. Je to sk\u00f4r logick\u00e9 a strategick\u00e9 pl\u00e1novanie, ne\u017e zlo\u017eit\u00e1 matematika, no s \u010d\u00edslami sa tam samozrejme po\u010d\u00edta. Ako pom\u00f4c\u0165 pochopi\u0165 \u010d\u00edsla t\u00fdm, ktor\u00ed v \u00favodnej f\u00e1ze vzniku firmy podce\u0148uj\u00fa financie a s\u00fa zameran\u00ed sk\u00f4r na n\u00e1pad alebo produkt?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Na \u00favod by som chcel poveda\u0165, \u017ee finan\u010dn\u00fd pl\u00e1n nie je samo\u00fa\u010deln\u00fd dokument. Je s\u00fa\u010das\u0165ou podnikate\u013esk\u00e9ho pl\u00e1nu, ktor\u00fd sa \u010dasto v praxi vn\u00edma ako slohov\u00e1 \u00faloha, kde potrebujeme vygenerova\u0165 \u010do najviac textu. Pr\u00edpadne je to dokument, ktor\u00fd \u013eudia vn\u00edmaj\u00fa ako potrebn\u00fd, ke\u010f \u017eiadaj\u00fa banku o \u00faver alebo h\u013eadaj\u00fa investora. Finan\u010dn\u00fd pl\u00e1n je len jedna \u010das\u0165 toho. Bohu\u017eia\u013e alebo na\u0161\u0165astie to jednoducho nie je iba o tom, aby sa vygeneroval nejak\u00fd dokument. Ve\u013emi zjednodu\u0161ene povedan\u00e9, podnikate\u013esk\u00fd pl\u00e1n s finan\u010dn\u00fdm pl\u00e1nom je nie\u010do ako mapa.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Ke\u010f chceme rie\u0161i\u0165 to, ako m\u00e1 finan\u010dn\u00fd pl\u00e1n vyzera\u0165, potrebujeme sa s n\u00edm tro\u0161ku zbl\u00ed\u017ei\u0165. Aby ho najm\u00e4 \u013eudia, ktor\u00ed uva\u017euj\u00fa nad \u0161tartom vlastn\u00e9ho podnikania, nevn\u00edmali ako stra\u0161ne komplikovan\u00fd, rozsiahly a robustn\u00fd dokument, ale sk\u00f4r ako praktick\u00fd dokument.\u00a0 A\u202fke\u010f sa vr\u00e1tim k\u202fspom\u00ednanej mape, podnikate\u013esk\u00fd pl\u00e1n je nie\u010do tak\u00e9, ako ke\u010f chceme \u00eds\u0165 na v\u00fdlet a m\u00e1me mapu, pomocou ktorej si vieme zadefinova\u0165, kde sme, kam sa chceme dosta\u0165 a ako sa tam dostaneme. Do cie\u013ea samozrejme vieme d\u00f4js\u0165 aj bez mapy, no ak ju m\u00e1me, tak pravdepodobnos\u0165, \u017ee tam d\u00f4jdeme, je v\u00fdrazne vy\u0161\u0161ia. A na konci d\u0148a je to aj o tom, \u017ee sa na \u017eelan\u00e9 miesto dostaneme r\u00fdchlej\u0161ie a za menej pe\u0148az\u00ed.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Pr\u00e1ve podnikate\u013esk\u00fd pl\u00e1n a finan\u010dn\u00fd pl\u00e1n sl\u00fa\u017eia na to, aby n\u00e1m pomohli zvl\u00e1dnu\u0165 lep\u0161ie pr\u00edpravn\u00fa f\u00e1zu, v\u202fktorej si vieme zadefinova\u0165\u00a0 k\u013e\u00fa\u010dov\u00e9 my\u0161lienky podnikania.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ke\u010f hovor\u00edme o mape ako o finan\u010dnom pl\u00e1ne, ak\u00e9 s\u00fa jeho k\u013e\u00fa\u010dov\u00e9 komponenty?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Na za\u010diatok by som pripomenul, \u017ee hlavn\u00fdm cie\u013eom finan\u010dn\u00e9ho pl\u00e1nu je poveda\u0165 n\u00e1m to, \u010di sa n\u00e1m v\u00f4bec oplat\u00ed podnika\u0165. \u010ci\u017ee v\u0161etky jeho komponenty maj\u00fa sl\u00fa\u017ei\u0165 na to, aby n\u00e1m vytvorili komplexn\u00fa ot\u00e1zku, ktorej zodpovedan\u00edm zist\u00edme, \u010di sa n\u00e1m oplat\u00ed podnika\u0165.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">A samozrejme, potrebujeme re\u00e1lne rie\u0161i\u0165 pl\u00e1n v\u00fdnosov a n\u00e1kladov, \u010di\u017ee potrebujeme sa pozera\u0165 na to, ak\u00e9 m\u00e1me o\u010dak\u00e1van\u00e9 tr\u017eby, o\u010dak\u00e1vame n\u00e1klady, kedy a \u010di v\u00f4bec dosiahneme bod zlomu. Potrebujeme sa pozrie\u0165 nielen na to, \u010do budeme fakturova\u0165, ale re\u00e1lne rie\u0161i\u0165 aj to, ako peniaze do firmy prich\u00e1dzaj\u00fa a ako z firmy odch\u00e1dzaj\u00fa. Pri \u0161tarte podnikania sa potrebujeme pozrie\u0165 na rozpo\u010det, to znamen\u00e1, ko\u013eko pe\u0148az\u00ed na podnikanie budeme potrebova\u0165. A samozrejme nesmieme zabudn\u00fa\u0165 na zdroje, to znamen\u00e1 odkia\u013e peniaze z\u00edskame.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Je tu e\u0161te jedna ve\u013emi d\u00f4le\u017eit\u00e1 vec, na ktor\u00fa sa a\u017e tak \u010dasto nemysl\u00ed, s\u00fa n\u00e1klady obetovan\u00fdch pr\u00edle\u017eitost\u00ed. To znamen\u00e1, \u017ee n\u00e1m nesta\u010d\u00ed vyhodnoti\u0165 n\u00e1pad alebo podnikate\u013esk\u00fd z\u00e1mer ako tak\u00fd, ale potrebuje to re\u00e1lne vyhodnoti\u0165 aj s t\u00fdm, o\u202f\u010do sme pri\u0161li t\u00fdm, \u017ee sme za\u010dali podnika\u0165. To znamen\u00e1, \u017ee ke\u010f n\u00e1m \u010d\u00edsla ukazuj\u00fa, \u017ee z\u00e1mer by mohol ma\u0165 \u00faspech, re\u00e1lne potrebujeme r\u00e1ta\u0165 aj s t\u00fdm, \u017ee mlad\u00fd \u010dlovek sa mohol niekde zamestna\u0165 a t\u00fdm, \u017ee za\u010dal podnika\u0165, pri\u0161iel o ur\u010dit\u00fa \u010dist\u00fa mzdu. Toto je ten k\u013e\u00fa\u010dov\u00fd bod, na ktor\u00fd \u010dasto \u013eudia zab\u00fadaj\u00fa a niekedy potom ekonomika podnikania ned\u00e1va a\u017e tak ve\u013ek\u00fd zmysel.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ak sa vr\u00e1time na \u00favod k strategick\u00e9mu a logick\u00e9mu nastaveniu podnikate\u013esk\u00e9ho pl\u00e1nu, tak k\u00fdm za\u010dneme tvori\u0165 finan\u010dn\u00fd pl\u00e1n, mus\u00edme si vopred uvedomi\u0165 na\u0161e vstupy a s\u00fa\u010das\u0165ou n\u00e1\u0161ho zva\u017eovania by malo by\u0165 aj to, ktorou cestou sa chceme \u00eds\u0165, aby po p\u00e1r rokoch nebolo mo\u017eno neskoro.<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) M\u00f4j poh\u013ead je tak\u00fd, \u017ee pr\u00e1ve podnikate\u013esk\u00fd pl\u00e1n je k\u013e\u00fa\u010dov\u00fd dokument v pr\u00edpravnej f\u00e1ze a finan\u010dn\u00fd pl\u00e1n je k\u013e\u00fa\u010dov\u00fd dokument pre podnikate\u013esk\u00fd z\u00e1mer alebo pre podnikate\u013esk\u00fd pl\u00e1n. Z m\u00f4jho poh\u013eadu je lep\u0161ie mo\u017eno pr\u00eds\u0165 pri pr\u00edpravnej f\u00e1ze na to, \u017ee ten z\u00e1mer m\u00e1 r\u00f4zne nedostatky alebo pr\u00eddeme na to, \u017ee n\u00e1\u0161 n\u00e1pad je super, av\u0161ak trh, na ktorom chceme podnika\u0165, je mal\u00fd. Alebo pr\u00eddeme na to, \u017ee sme predbehli dobu. S\u00fa aj tak\u00e9 pr\u00edpady. Z m\u00f4jho poh\u013eadu je ove\u013ea lep\u0161ie napr\u00edklad hodi\u0165 do ko\u0161a podnikate\u013esk\u00fd pl\u00e1n s finan\u010dn\u00fdm pl\u00e1nom alebo proste vymaza\u0165 nejak\u00fa tabu\u013eku ako sa vrhn\u00fa\u0165 do podnikania na z\u00e1klade toho, \u017ee v\u00e1m kamo\u0161i povedia, \u017ee m\u00e1te super n\u00e1pad, cho\u010fte do toho. Mo\u017eno v\u00e1s va\u0161i bl\u00edzki, rodina aj finan\u010dne podporia. St\u00e1va sa, \u017ee hlavne mlad\u00ed \u013eudia investuj\u00fa do podnikania peniaze, ktor\u00e9 im d\u00e1 babka na birmovku. Preto je lep\u0161ie vyhodi\u0165 do ko\u0161a kus papiera, ke\u010f to tak m\u00e1m poveda\u0165, ako pr\u00eds\u0165 o svoje peniaze, alebo o peniaze niekoho in\u00e9ho.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u010ci\u017ee naozaj na za\u010diatku si naozaj necha\u0165 \u010das na spr\u00e1vne rozhodnutie. Dopln\u00edm, \u017ee v predch\u00e1dzaj\u00facom <\/span><\/b><a href=\"https:\/\/open.spotify.com\/episode\/23tf3IC9Yae4GcvXbLjw9G?si=964f313898a54e71\" target=\"_blank\" rel=\"noopener\"><b><span data-contrast=\"none\">podkaste sme sa rozpr\u00e1vali s Martinou Piro\u0161kovej zo Slovak Business Agency o podnikate\u013eskom z\u00e1mere<\/span><\/b><\/a><b><span data-contrast=\"auto\">. Ak by sa niekto mal z\u00e1ujem vr\u00e1ti\u0165 sa k tejto \u010dasti, ve\u013emi to odpor\u00fa\u010dam, lebo ako aj p\u00e1n Smoro\u0148 potvrdil, ono to spolu s\u00favis\u00ed.<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Tento rok sa na s\u00fa\u0165a\u017ei Skills Slovakia <\/span><\/b><a href=\"https:\/\/siov.sk\/stredne-skoly-vychovavaju-nielen-buducich-zamestnancov-ale-aj-podnikatelov-prvy-rocnik-sutaze-jupov-pozna-svojich-vitazov\/\" target=\"_blank\" rel=\"noopener\"><b><span data-contrast=\"none\">\u201e JUPOV podnikate\u013esk\u00e9 zru\u010dnosti v cvi\u010dnej firme<\/span><\/b><\/a><b><span data-contrast=\"auto\">\u201c odborn\u00e1 porota sna\u017eila upriami\u0165 v\u00e4\u010d\u0161iu pozornos\u0165 na pr\u00edpravu dobr\u00e9ho finan\u010dn\u00e9ho pl\u00e1nu, ktor\u00fd by mal by\u0165 odrazov\u00fdm most\u00edkom pre re\u00e1lne podnikanie. Ako si pri hodnoten\u00ed vn\u00edmala kvalitu jednotliv\u00fdch finan\u010dn\u00fdch pl\u00e1nov? \u010co boli ich siln\u00e9 a mo\u017eno slab\u00e9 str\u00e1nky?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) Ako povedal aj p\u00e1n Smoro\u0148, je ve\u013emi zauj\u00edmav\u00e9, \u017ee v\u00e4\u010d\u0161ina sa s\u00fastredila na to, aby to bola pekn\u00e1 slohov\u00e1 pr\u00e1ca. A\u202fke\u010f\u017ee aj ve\u013ea u\u010dite\u013eov nem\u00e1 praktick\u00fa sk\u00fasenos\u0165, pr\u00e1ve toto hodnotili lep\u0161ie a poslali tie pr\u00e1ce, ktor\u00e9 boli pln\u00e9 vaty. Je v\u0161ak ve\u013emi d\u00f4le\u017eit\u00e9, aby pri ka\u017edom podnikate\u013eskom pl\u00e1ne, aj v dobrej cvi\u010dnej firmy, sa potrebujem rozhodn\u00fa\u0165 pre nie\u010do, pre \u010do budem tak zanieten\u00fd, \u017ee budem vedie\u0165 strhn\u00fa\u0165 v\u0161etk\u00fdch. Aby sa v\u0161etci venovali pr\u00edprave \u010do najd\u00f4kladnej\u0161ie. Teda, aby nep\u00edsali len sam\u00fa vatu a pekn\u00e9 slohov\u00e9 cvi\u010denie, ale naozaj robili na nie\u010dom, \u010do ich bav\u00ed. A\u202fmo\u017eno to bud\u00fa c\u00edti\u0165 aj ako svoje bud\u00face povolanie.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Na\u0161a slabos\u0165 je to, \u017ee v \u0161kole sme nau\u010den\u00ed, aby to bolo kr\u00e1sne nap\u00edsan\u00e9. Tvor\u00edme pekn\u00fa tabu\u013eku v\u202fExceli, v\u202fktorej m\u00e1me na tri roky zadefinovan\u00e9 rovnak\u00e9 st\u013apce a riadky, tak je to super. Ale nie, my mus\u00edme bra\u0165 oh\u013ead na obsah a zamera\u0165 sa na to, aby podnikate\u013esk\u00fd z\u00e1mer a finan\u010dn\u00fd pl\u00e1n obsahovali v\u0161etko, \u010do maj\u00fa. Potrebujeme sa na to pozrie\u0165 re\u00e1lne. E\u0161te by som doplnila, \u017ee ke\u010f si ho urob\u00edme dobr\u00fd finan\u010dn\u00fd pl\u00e1n, nechajme si to chv\u00ed\u013eu prejs\u0165 hlavou a sk\u00fasi\u0165 sa na to pozrie\u0165 aj druh\u00fdkr\u00e1t nesk\u00f4r a s otvorenou mys\u013eou.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ako by sme mali pristupova\u0165 k predikcii pr\u00edjmov a\u202fv\u00fddavkov? Ak\u00e9 zdroje inform\u00e1ci\u00ed m\u00f4\u017eeme pou\u017ei\u0165 a ak\u00fa mieru realizmu?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Ke\u010f tvor\u00edme finan\u010dn\u00fd pl\u00e1n, nad\u0161enie je ve\u013emi d\u00f4le\u017eit\u00e9. Len pokia\u013e sa \u010dlovek pozrie na \u010d\u00edsla re\u00e1lne a objekt\u00edvne, pr\u00edde na to, \u010di jeho n\u00e1pad, my\u0161lienka m\u00e1 potenci\u00e1l sta\u0165 sa podnikan\u00edm alebo je iba drah\u00fdm hobby. Lebo \u010dastokr\u00e1t sa st\u00e1va, \u017ee r\u00e1no to \u010dloveka bav\u00ed, ale na konci d\u0148a je podnikanie limitovan\u00e9 v\u00fd\u0161kou rezervy.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Vr\u00e1tim sa k tomu, ako robi\u0165 predikcie. Podnikate\u013e je \u010dlovek, ktor\u00fd mus\u00ed by\u0165 optimista. To znamen\u00e1, \u017ee ver\u00ed v lep\u0161iu bud\u00facnos\u0165. Mo\u017eno \u010dastokr\u00e1t ani ne\u010d\u00edta spr\u00e1vy. Ale toho optimizmu by som pr\u00e1ve pri predikcii ubral. Tak\u017ee sk\u00f4r by som k\u202ftomu prist\u00fapil realisticky, s nadh\u013eadom a\u202fopatrne. Zdrojov inform\u00e1ci\u00ed je v dne\u0161nej dobe ve\u013emi ve\u013ea a je ove\u013ea \u013eah\u0161ie pr\u00eds\u0165 na to, \u017ee pokia\u013e idete robi\u0165 napr. e-shop s notebookmi, primeran\u00e1 mar\u017ea v tomto sektore na \u00farovni okolo troch a\u017e piatich percent a vy v r\u00e1mci svojho prepo\u010dtu r\u00e1tate, \u017ee budete ma\u0165 tridsa\u0165 percent. To v\u00e1m u\u017e samozrejme vie uk\u00e1za\u0165 na to, \u017ee nie\u010do by ste mali zmeni\u0165. Alebo pokia\u013e pr\u00eddete na to, \u017ee v\u00e1\u0161 konkurent m\u00e1 tr\u017eby v priemere desa\u0165 eur mesa\u010dne, nem\u00f4\u017eete r\u00e1ta\u0165 s t\u00fdm, \u017ee ak rob\u00edte nie\u010do ve\u013emi podobn\u00e9, \u017ee va\u0161e tr\u017eby bud\u00fa p\u00e4\u0165desiat eur.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ke\u010f hovor\u00edte o\u202fubrat\u00ed z optimizmu, mysl\u00edte si, \u017ee je dobr\u00e9 cvi\u010denie urobi\u0165 si tri pl\u00e1ny &#8211; napr\u00edklad optimistick\u00fd, realisticky, pesimisticky? Alebo sk\u00f4r sta\u010d\u00ed iba ubra\u0165 a poriadne sa zamera\u0165 na jeden re\u00e1lny finan\u010dn\u00fd pl\u00e1n?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Nechcel by som \u013eud\u00ed vy\u013eaka\u0165, \u017ee potrebuj\u00fa ma\u0165 teraz ve\u013ek\u00fd dokument v r\u00f4znych verzi\u00e1ch. Ale je ur\u010dite nevyhnutn\u00e9, aby sa tomu povenovali. Mo\u017eno to nemus\u00ed by\u0165 na konci d\u0148a jeden, druh\u00fd, tret\u00ed dokument, ale pokia\u013e detailne spracuj\u00fa anal\u00fdzu rizika alebo si spravia takzvan\u00fa SWOT anal\u00fdzu, re\u00e1lne pr\u00eddu na to, kde m\u00f4\u017eu nasta\u0165 situ\u00e1cie, ktor\u00e9 nemaj\u00fa v\u202fruk\u00e1ch. M\u00f4\u017eete ma\u0165 skvel\u00fd pl\u00e1n, skvel\u00fd n\u00e1pad, m\u00f4\u017eete v\u0161etko urobi\u0165 spr\u00e1vne, ale treba si poveda\u0165, \u017ee potrebujete ma\u0165 niekedy aj \u0161\u0165astie. Ako n\u00e1m aj posledn\u00e9 roky ukazuj\u00fa, pri\u0161li situ\u00e1cie, s ktor\u00fdmi sme mo\u017eno pred desiatimi rokmi ani v zlom sne ner\u00e1tali \u2013 pand\u00e9mia Covid, vojna v susednom \u0161t\u00e1te, at\u010f. \u010ci\u017ee s\u00fa situ\u00e1cie, ktor\u00e9 potrebujeme vn\u00edma\u0165, no nevieme ich ovplyvni\u0165. Potrebujeme vn\u00edma\u0165 extern\u00e9 rizik\u00e1, ktor\u00e9 n\u00e1m m\u00f4\u017eu podnikanie pokazi\u0165. Z\u00e1rove\u0148 v\u0161ak je niekedy tak\u00e1 doba na trhu, \u017ee sta\u010d\u00ed tam by\u0165 a nepokazi\u0165 to \u00faplne, alebo nerobi\u0165 nejak\u00e9 zl\u00e9 alebo hor\u0161ie prevedenie ako va\u0161a konkurencia a\u202fzist\u00edme, \u017ee trh je nastaven\u00fd tak, \u017ee m\u00e1te \u0161ancu uspie\u0165.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ke\u010f hovor\u00edme o\u202fpeniazoch a o samotnom cashflow, v r\u00e1mci finan\u010dn\u00e9ho pl\u00e1nu je \u010dasto d\u00f4le\u017eitej\u0161\u00ed ne\u017e samotn\u00fd zisk. Pre\u010do je to tak?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) D\u00f4le\u017eit\u00e9 je si uvedomi\u0165, \u017ee zisk je nie\u010do, \u010do \u013eud\u00ed \u017eenie dopredu. \u010clovek za\u010d\u00edna podnika\u0165 preto, aby dosahoval zisk. Aj v jeho\u202fdefin\u00edcii sa hovor\u00ed o tom, \u017ee zisk je pre podnikate\u013ea odmena za podst\u00fapen\u00e9 riziko. Len pokia\u013e podnikate\u013e nerie\u0161i cashflow, teda to, ako peniaze do firmy prich\u00e1dzaj\u00fa a ako odch\u00e1dzaj\u00fa, m\u00f4\u017ee sa ve\u013emi jednoducho sta\u0165, \u017ee zisk s\u00edce na papieri je, ale podnikate\u013e \u201eumrie od hladu na ceste za ziskom\u201c. Poviem jednoduch\u00fd pr\u00edklad. Predstavte si, \u017ee na viano\u010dn\u00e9 trhy chcete vyr\u00e1ba\u0165 viano\u010dn\u00e9 poh\u00e1re. U\u017e niekedy v septembri potrebujete objedna\u0165 nejak\u00e9 poh\u00e1re. Potrebujete zaplati\u0165 \u013eud\u00ed, ktor\u00ed ich nama\u013euj\u00fa, pridaj\u00fa tam logo. Potrebujete si objedna\u0165 st\u00e1nok, ktor\u00fd je potrebn\u00e9 u\u017e v novembri zaplati\u0165, ale tr\u017eby od z\u00e1kazn\u00edkov, teda re\u00e1lne prv\u00e9 platby pr\u00eddu a\u017e v decembri. To znamen\u00e1, \u017ee teoreticky by ten n\u00e1pad bol ziskov\u00fd, ale prakticky pokia\u013e nebudete ma\u0165 za \u010do zaplati\u0165 prvotn\u00e9 n\u00e1klady na tovar alebo na \u013eud\u00ed, tak sa k zisku nedostanete.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">V obdob\u00ed zisku je mo\u017eno dobre po\u010d\u00edta\u0165 aj s obdob\u00edm nepredv\u00eddate\u013en\u00fdch situ\u00e1ci\u00ed, o ktorom ste hovorili a necha\u0165 si aj nejak\u00fa rezervu.\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) \u00c1no, je dobre, \u017ee to spom\u00ednate. \u013dudia si \u010dastokr\u00e1t povedia, \u017ee ak si nakalkulujem mzdu, m\u00f4\u017ee to by\u0165 pekn\u00e1 mzda, tak zisk nepotrebujem. Pokia\u013e v\u0161ak va\u0161e podnikanie negeneruje zisk, tak do toho ani necho\u010fte. Kv\u00f4li tomu, \u017ee zisk sl\u00fa\u017ei na vytv\u00e1ranie rezervy a na \u010fal\u0161\u00ed rast a rozvoj firmy. Alebo pr\u00e1ve na \u010dasy, ke\u010f pr\u00edde kr\u00edza, hor\u0161ie obdobie at\u010f., pr\u00e1ve zo zisku \u010derp\u00e1te a viete toto \u0165a\u017e\u0161ie obdobie ufinancova\u0165.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ak\u00e9 s\u00fa naj\u010dastej\u0161ie v\u00fdzvy, s ktor\u00fdmi sa u\u010ditelia stret\u00e1vaj\u00fa pri v\u00fdu\u010dbe tvorby finan\u010dn\u00e9ho pl\u00e1nu a ako ich m\u00f4\u017eu prekona\u0165?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) Mysl\u00edm, \u017ee naj\u010dastej\u0161ou v\u00fdzvou je to, ako k\u202fpredmetu cvi\u010dn\u00e1 firma pristupuj\u00fa \u017eiaci. Pre u\u010dite\u013ea je ve\u013emi nepr\u00edjemn\u00e9, ke\u010f do cvi\u010dnej firmy dostane \u017eiakov, ktor\u00fdch to nebav\u00ed. Mysl\u00edm si v\u0161ak, \u017ee pri spr\u00e1vnom nastaven\u00ed od za\u010diatku \u0161kolsk\u00e9ho roka, ke\u010f za\u010d\u00edna cvi\u010dn\u00e1 firma, je ve\u013emi d\u00f4le\u017eit\u00e9, aby vznikol dobr\u00fd podnikate\u013esk\u00fd pl\u00e1n. Ke\u010f ten chyt\u00ed \u017eiakov, tak i ke\u010f je to len cvi\u010dn\u00e1 firma s fikt\u00edvnym tovarom a fikt\u00edvnymi peniazmi, je rados\u0165ou pre v\u0161etk\u00fdch. Aj pre u\u010dite\u013ea.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Pri tomto je ve\u013emi d\u00f4le\u017eit\u00e9 spomen\u00fa\u0165 aj vz\u0165ah medzi u\u010dite\u013eom a\u202f\u017eiakmi, ktor\u00fd je v\u202fcvi\u010dnej firme mo\u017eno trochu in\u00fd ako v klasickej vyu\u010dovacej hodine. Vedela by si n\u00e1m poveda\u0165 pre\u010do?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) Predmet cvi\u010dn\u00e1 firma je na viacer\u00fdch \u0161kol\u00e1ch st\u00e1le ako volite\u013en\u00fd. \u010ci\u017ee \u017eiaci do cvi\u010dnej firmy prich\u00e1dzaj\u00fa dobrovo\u013ene a mnoh\u00ed z nich u\u017e vedia, \u010do ich \u010dak\u00e1 a\u202fzvy\u010dajne sa\u202fte\u0161ia. V\u00e4\u010d\u0161ina \u0161k\u00f4l pou\u017e\u00edva predmet cvi\u010dn\u00e1 firma aj na prezent\u00e1ciu po\u010das d\u0148a otvoren\u00fdch dver\u00ed.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Rozdiel\u00a0 medzi u\u010dite\u013eom v cvi\u010dnej firme je ten, \u017ee vtedy m\u00e1 v\u00fdborn\u00fd vz\u0165ah so \u017eiakmi, ke\u010f je v \u00falohe star\u0161ieho kolegu, \u0161kolite\u013ea, mana\u017e\u00e9ra a \u00falohy cvi\u010dnej firme prenech\u00e1 \u017eiakom. \u010ci\u017ee ke\u010f je raz riadite\u013eom cvi\u010dnej firmy \u017eiak, tak ho re\u0161pektuje ako riadite\u013ea. U\u010dite\u013e je ako star\u0161\u00ed kolega. Ke\u010f\u00a0 je \u017eiak marketingov\u00fd pracovn\u00edk, tak ho berie ako marketingov\u00e9ho pracovn\u00edka. Ke\u010f je niekto ved\u00faci ekonomick\u00e9ho, tak ho berie ako ekon\u00f3ma. \u010ci\u017ee naozaj nech\u00e1 ich pracova\u0165 a on je len tak\u00fdm radcom. Usmer\u0148uje ich. Ve\u013ekou v\u00fdhodou v r\u00e1mci cvi\u010dnej firmy je to, \u017ee mnoh\u00e9 maj\u00fa svoju partnersk\u00fa re\u00e1lnu firmu. A pr\u00e1ve t\u00e1to partnersk\u00e1 firma mnohokr\u00e1t rad\u00ed a pom\u00e1ha. Ke\u010f toto funguje, \u017ee u\u010dite\u013e je naozaj star\u0161\u00ed kolega, partner, tak sa im v cvi\u010dnej firme funguje dobre.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ke\u010f sa vr\u00e1time k finan\u010dn\u00e9mu pl\u00e1nu a vz\u0165ahu medzi strat\u00e9giou firmy a\u00a0 finan\u010dn\u00fdm pl\u00e1nom, je e\u0161te nie\u010do, \u010do by ste chceli doplni\u0165?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Prid\u00e1m jedno prirovnanie. Ke\u010f sme v\u202f\u00favode spom\u00ednali mapu, tak vz\u0165ah medzi strat\u00e9giou a finan\u010dn\u00fdm pl\u00e1nom je ako vz\u0165ah medzi mapou a rozpo\u010dtom na cestu. Vy s\u00edce m\u00f4\u017eete chcie\u0165 ve\u013ea cestova\u0165, no ke\u010f va\u0161a pe\u0148a\u017eenka kri\u010d\u00ed, \u017ee si m\u00f4\u017eete dovoli\u0165 \u00eds\u0165 akur\u00e1t do parku, tak m\u00f4\u017eete ma\u0165 ambici\u00f3zny podnikate\u013esk\u00fd z\u00e1mer, ale pokia\u013e tie \u010dasti nie s\u00fa previazan\u00e9, pokia\u013e strat\u00e9gia nem\u00e1 oporu vo finan\u010dnom pl\u00e1ne, tak to nie je ods\u00faden\u00e9 na \u00faspech.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ke\u010f sa posunieme do \u010fal\u0161ej \u010dasti, \u010do je bod zlomu vo finan\u010dnom pl\u00e1ne? Kedy si uvedom\u00edme, \u017ee tu u\u017e viem ma\u0165 n\u00e1vratnos\u0165?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Bod zlomu je presne ten bod, na ktor\u00fd sa asi ka\u017ed\u00fd za\u010d\u00ednaj\u00faci podnikate\u013e te\u0161\u00ed najviac. A to je to, \u017ee va\u0161a firma v\u00e1m za\u010dne generova\u0165 pr\u00edjmy, ktor\u00e9 s\u00fa vy\u0161\u0161ie ako v\u00fddavky. \u010ci\u017ee ve\u013emi zjednodu\u0161ene povedan\u00e9, va\u0161a firma u\u017e za\u010dne zar\u00e1ba\u0165. Samozrejme, niekedy je to o tom, \u017ee ten bod zlomu nepr\u00edde. Pr\u00e1ve o tom som sk\u00f4r hovoril, \u017ee lep\u0161ie je pr\u00eds\u0165 na to v\u202fpred-realiza\u010dnej f\u00e1ze a poveda\u0165 si, \u017ee ak ekonomika nefunguje, zabal\u00edm to. Alebo jednoducho nepusti\u0165 sa do tak\u00e9hoto podnikate\u013esk\u00e9ho pl\u00e1nu.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Ale samozrejme, \u013eudia sa sna\u017eia a niekedy zab\u00fadaj\u00fa pri celom \u0161tarte podnikania na checkpointy. To znamen\u00e1, \u017ee pokia\u013e m\u00e1te zarobi\u0165 tis\u00edc eur za mesiac a potrebujete preda\u0165 produkt napr\u00edklad piatim z\u00e1kazn\u00edkom. Ke\u010f prejd\u00fa tri t\u00fd\u017edne a vy m\u00e1te jedn\u00e9ho z\u00e1kazn\u00edka, tak viete, \u017ee bude zle. \u010ci\u017ee je d\u00f4le\u017eit\u00e9 ne\u010daka\u0165 na vy\u010derpanie v\u0161etk\u00fdch zdrojov, v\u0161etk\u00fdch \u00faspor a rezerv, ale priebe\u017ene si vyhodnocova\u0165, \u010di ideme v s\u00falade s pl\u00e1nom a \u010di sme dnes tam, kde sme mali by\u0165. Toto sa t\u00fdka n\u00e1vratnosti. Je tu taktie\u017e ukazovate\u013e, ktor\u00fdm si viete vyhodnoti\u0165, \u010di sa podnikanie oplat\u00ed alebo \u010di sa v\u00e1m oplatilo \u00eds\u0165 do tohto podnikania, alebo ste sa rad\u0161ej mali zamestna\u0165.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Viete spomen\u00fa\u0165 nejak\u00fd pr\u00edklad rozbiehaj\u00face sa firmy, ktor\u00e1 pr\u00e1ve pri tvorbe finan\u010dn\u00e9ho pl\u00e1nu zistila, \u017ee to rad\u0161ej dajme do ko\u0161a, lebo pr\u00eddeme o v\u0161etky \u00faspory, ktor\u00e9 m\u00e1me?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) M\u00e1m dva pr\u00edklady. Jeden je o kaviarni s v\u00fdberovou k\u00e1vou v malej obci. N\u00e1pad a zanietenie tam boli, len na konci sme pri\u0161li na to, \u017ee trh je limituj\u00faci. To znamen\u00e1, \u017ee m\u00f4\u017eete ma\u0165 perfektn\u00fd produkt. M\u00f4\u017eete tomu veri\u0165. M\u00f4\u017ee v\u00e1s to bavi\u0165. Teoreticky to m\u00f4\u017ee ma\u0165 za sebou aj nejak\u00fa ekonomiku, ale pokia\u013e nar\u00e1\u017eate na ve\u013ekos\u0165 trhu, jednoducho t\u00fa obec nenaf\u00faknete tak, aby ste tam mali to\u013eko z\u00e1kazn\u00edkov ako vo ve\u013ekom meste.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Druh\u00fd pr\u00edklad je o\u202fklientke, ktor\u00e1 chcela pred\u00e1va\u0165 online ru\u010dne vyr\u00e1ban\u00e9 di\u00e1re. Najsk\u00f4r si chcela vytvori\u0165 web str\u00e1nku s\u202fe-shopom. Celkov\u00e1 ekonomika bola \u00faplne biedna a n\u00e1sledne sme pri\u0161li na to, \u017ee asi by bolo lep\u0161ie ma\u0165 to ako hobby popri pr\u00e1ci. Na sa daj\u00fa vyu\u017ei\u0165 alternat\u00edvne port\u00e1ly typu Sashe a\u202fpodobne, kde \u010dlovek nepotrebuje investova\u0165 na za\u010diatku nieko\u013eko stov\u00e1k eur na web, marketing at\u010f.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">To s\u00fa skvel\u00e9 pr\u00edklady aj na to, \u017ee ak za\u010d\u00ednaj\u00faci podnikate\u013e nevie odhadn\u00fa\u0165 mieru optimizmu a realizmu s\u00e1m, aby si prizval extern\u00e9ho konzultanta. Ten mu d\u00e1 in\u00fd poh\u013ead na jeho finan\u010dn\u00fd pl\u00e1n.<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Povedal by som, \u017ee je to dokonca nevyhnutnos\u0165. \u010castokr\u00e1t v\u00e1m va\u0161i bl\u00edzki i kamo\u0161i povedia to, \u010do chcete po\u010du\u0165. Nie je to iba pri t\u00e9me podnikate\u013esk\u00e9ho finan\u010dn\u00e9ho pl\u00e1nu, ale v\u0161eobecne. Niekedy je teda dobr\u00e9 ma\u0165 \u010dloveka, ktor\u00fd bez zaanga\u017eovanosti v r\u00e1mci va\u0161ich citov a\u202fvz\u0165ahov v\u00e1m povie, \u017ee tento n\u00e1pad je super, ale mal si ho urobi\u0165 pred piatimi rokmi, alebo je vhodn\u00fd na americk\u00fd trh. Alebo \u017ee ten n\u00e1pad je fakt blbos\u0165. \u013dudia \u010dastokr\u00e1t uva\u017euj\u00fa nad geni\u00e1lnos\u0165ou svojho n\u00e1padu, ktor\u00fd e\u0161te nikto neurobil, tak ho musia zrealizova\u0165. Ke\u010f si v\u0161ak \u010dlovek urob\u00ed naozaj zodpovedne pr\u00edpravn\u00fa f\u00e1zu, pr\u00edde na to, \u017ee konkurencia neexistuje nie kv\u00f4li tomu, \u017ee by to bolo a\u017e tak geni\u00e1lny n\u00e1pad, ale preto, \u017ee je to blbos\u0165 a nem\u00e1 to \u0161ancu re\u00e1lne ekonomicky fungova\u0165.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">V cvi\u010dnej firme je v podstate \u00faloha partnerskej re\u00e1lnej firmy?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) \u00c1no. Partnersk\u00e1 firma, ke\u010f ju cvi\u010dn\u00e1 firma m\u00e1, je ur\u010dite ve\u013ekou pomocou. Ale zase je to tro\u0161ku limitovan\u00e9, lebo cvi\u010dn\u00e9 firmy sa v\u202ftomto pr\u00edpade sna\u017eia ma\u0165 tak\u00fd predmet podnikania ako re\u00e1lna firma. \u010ci\u017ee tro\u0161ku to limituje jedine\u010dnos\u0165 n\u00e1padu. Tu by som povedala, \u017ee m\u00e1 to svoju tienist\u00fa str\u00e1nku, i ke\u010f ve\u013emi dobr\u00e9 v\u202ftomto pr\u00edpade je, \u017ee pracuj\u00fa s realitou. To je ve\u013emi d\u00f4le\u017eit\u00e9. V ka\u017edom pr\u00edpade je dobr\u00e9 pripravova\u0165 ich na to, ke\u010f \u00faplne uletia. Aj po\u010das na\u0161ej s\u00fa\u0165a\u017ee Skills Slovakia \u2013 JUPOV n\u00e1\u0161 porotca J\u00e1n Sol\u00edk zo Zdru\u017eenia podnikate\u013eov Slovenska vysvetlil niektor\u00fdm na\u0161im reprezentantom z 10 fin\u00e1lov\u00fdch podnikate\u013esk\u00fdch a finan\u010dn\u00fdch pl\u00e1nov a\u202fusmernil ich, \u017ee v re\u00e1lnom \u017eivote by za ten de\u0148 v\u202ftomto podnikan\u00ed nez\u00edskal \u0161es\u0165sto eur napr\u00edklad. Upozornili ich, \u017ee je potrebn\u00e9 dr\u017ea\u0165 sa pri zemi a aj ke\u010f je to svoj\u00edm sp\u00f4sobom iba simul\u00e1cia, je dobr\u00e9 by\u0165 pripraven\u00fd do re\u00e1lneho \u017eivota a\u202fpr\u00edli\u0161 nelieta\u0165, lebo n\u00e1s to m\u00f4\u017ee v \u017eivote uzemni\u0165.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Ke\u010f m\u00f4\u017eem doplni\u0165, \u010do sa t\u00fdka toho n\u00e1padu samotn\u00e9ho, tak je ve\u013emi nebezpe\u010dn\u00e9 fokusova\u0165 sa na pr\u00e1ve na unik\u00e1tnos\u0165 n\u00e1padu. Pod\u013ea m\u0148a je lep\u0161ie urobi\u0165 ur\u010dit\u00fd n\u00e1pad v inom preveden\u00ed, no nemus\u00edme \u0161peci\u00e1lne\u00a0 vym\u00fd\u0161\u013ea\u0165 nie\u010do, \u010do tu e\u0161te nie je. Spravme nie\u010do, \u010do rob\u00ed konkurencia, ale to prevedenie urobme lep\u0161ie. Majme mo\u017eno krat\u0161ie procesy alebo lep\u0161ie nastaven\u00fa \u010das\u0165 dodania at\u010f.\u00a0 Je fajn, ak sa \u017eiaci in\u0161piruj\u00fa na\u00a0 pr\u00edklade firiem, ktor\u00e9 re\u00e1lne funguj\u00fa a ich produkty pou\u017e\u00edvaj\u00fa. Ak si napr\u00edklad zoberiete iPod. D\u00e1vnej\u0161ie to bolo zariadenie na prehr\u00e1vanie hudby MP3. Steve Jobs pri\u0161iel s\u202fn\u00e1padom, \u017ee iPod nebol len pr\u00edstroj, ktor\u00fd bol ve\u013ek\u00fd a vedel prehr\u00e1va\u0165 ve\u013emi mal\u00fa kapacitu hudby, ale to bolo pr\u00e1ve o tom, \u017ee to bolo mal\u00e9, pekn\u00e9 a zmestilo sa tam ve\u013ek\u00e9 kvantum hudby. Vieme aj aj bud\u00facich podnikate\u013eov mo\u017eno in\u0161pirova\u0165 t\u00fdm, \u017ee nemusia vym\u00fd\u0161\u013ea\u0165 koleso a \u00eds\u0165 \u00faplne do unik\u00e1tnosti. \u010casto je to o tom, \u017ee prevedenie n\u00e1padu je d\u00f4le\u017eitej\u0161ie ne\u017e n\u00e1pad.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) E\u0161te by som doplnila, \u017ee je to ve\u013emi d\u00f4le\u017eit\u00e9 a som rada, \u017ee to hovor\u00ed aj p\u00e1n Smoro\u0148. Jedna na\u0161a cvi\u010dn\u00e1 firma pred\u00e1va elektrinu. \u010co by ste povedali, \u017ee to nie je ve\u013emi zauj\u00edmav\u00e9. Ale pr\u00e1ve t\u00fdm, \u017ee pracuj\u00fa s re\u00e1lnou firmou v\u202fKo\u0161iciach, maj\u00fa s nimi partnersk\u00fa zmluvu, s\u00fa v tom tak prepracovan\u00fd, \u017ee napr\u00edklad tejto firme na v\u00fdchodnom Slovensku vytvorili logo a ve\u013ea marketingov\u00fdch materi\u00e1lov. Mlad\u00ed \u013eudia maj\u00fa tak\u00e9 otvoren\u00e9 hlavy, e\u0161te \u010dist\u00e9 a\u202fto prin\u00e1\u0161aj\u00fa aj partnerskej firme a\u202faj oni s\u00fa pr\u00ednosom pre re\u00e1lnu firmu. A ke\u010f sa vr\u00e1time k cvi\u010dnej firme, ktor\u00e1 vyhrala s\u00fa\u0165a\u017e Skills Slovakia \u2013 JUPOV a p\u00f4jde reprezentova\u0165 Slovensko na EuroSkills do D\u00e1nska v\u202fseptembri, takisto pracuj\u00fa s re\u00e1lnym podnikate\u013esk\u00fdm pl\u00e1nom. Vyr\u00e1baj\u00fa d\u017e\u00fasy a n\u00e1poje, \u010doho je u\u017e teraz ve\u013emi ve\u013ea. Premysleli syst\u00e9m, ako ich vyr\u00e1ba\u0165, kde a komu ich pon\u00faka\u0165. To s\u00fa tie d\u00f4le\u017eit\u00e9 nuansy. Je ve\u013ea firiem, ale sp\u00f4sob, ak\u00fdm oni podali podnikate\u013esk\u00fd a finan\u010dn\u00fd pl\u00e1n, bol naozaj \u0161pecifick\u00fd. A vyhrali t\u00fato s\u00fa\u0165a\u017e a\u202fteraz p\u00f4jdu reprezentova\u0165 Slovensko.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Zoh\u013ead\u0148uj\u00fa sa pri pr\u00edprave metodiky aj potreby \u017eiakov so slab\u0161\u00edmi matematick\u00fdmi zru\u010dnos\u0165ami, ako im t\u00fato t\u00e9mu a zostavenie finan\u010dn\u00e9ho pl\u00e1nu spr\u00edstupni\u0165?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) Ur\u010dite \u00e1no. Je in\u00e9, ke\u010f pripravuj\u00fa finan\u010dn\u00fd pl\u00e1n \u017eiaci obchodnej akad\u00e9mie a\u202f\u017eiaci strednej odbornej \u0161koly. Ke\u010f pripravujeme alebo m\u00e1me v metodik\u00e1ch n\u00e1vody pre v\u0161eobecn\u00e9 podnikate\u013esk\u00e9 pl\u00e1ny pre stredn\u00e9 odborn\u00e9 \u0161koly, s\u00fa in\u00e9 ako tie pre remeseln\u00edkov. Podnikate\u013esk\u00fd a finan\u010dn\u00fd pl\u00e1n s\u00fa podan\u00e9 jednoduch\u0161ie. Nejde o to, \u017ee by boli hor\u0161ie, ale vych\u00e1dzame z toho, \u017ee na obchodnej akad\u00e9mii sa tieto t\u00e9my \u017eiaci u\u010dia dopodrobna. Dokonca m\u00e1me firmy z obchodn\u00fdch akad\u00e9mi\u00ed, ktor\u00e9 maj\u00fa ako predmet podnikania nastavenie finan\u010dn\u00e9ho pl\u00e1nu a robia \u00fa\u010dtovn\u00edctvo \u010fal\u0161\u00edm cvi\u010dn\u00fdm firm\u00e1m. \u010ci\u017ee m\u00f4\u017eu to urobi\u0165 tieto firmy, napr\u00edklad. Berieme do teda \u00favahy v r\u00e1mci stavby metod\u00edk.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ako m\u00f4\u017eu \u0161koly posilni\u0165 v\u00fdu\u010dbu podnikavosti a finan\u010dnej gramotnosti aj v r\u00e1mci klasick\u00fdch hod\u00edn?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) Finan\u010dnej gramotnosti, ktor\u00e1 je s\u00fa\u010das\u0165ou toho podnikate\u013esk\u00e9ho vzdel\u00e1vania, sa m\u00f4\u017eu venova\u0165 na matematike, na ob\u010dianskej n\u00e1uke, na angli\u010dtine, preto\u017ee v r\u00e1mci cvi\u010dn\u00fdch firiem podporujeme aj jazykov\u00e9 zru\u010dnosti \u017eiakov a e\u0161te ich to mnohokr\u00e1t svoj\u00edm sp\u00f4sobom tak vyprovokuje, \u017ee chodia na ve\u013etrhy cvi\u010dn\u00fdch firiem s\u202f\u00fa\u010das\u0165ou zahrani\u010dn\u00fdch \u00fa\u010dastn\u00edkov, napr\u00edklad k n\u00e1m do Bratislavy, alebo chodia do Prahy, Viedne a niektor\u00ed boli napr\u00edklad aj v\u202fBruseli. Tam m\u00f4\u017eu komunikova\u0165 s in\u00fdmi zahrani\u010dn\u00fdmi alebo dom\u00e1cimi cvi\u010dn\u00fdmi firmami. A\u202fke\u010f si tam n\u00e1jdu kamar\u00e1tov, e\u0161te viac ich to podporuje v tom, aby sa v cudzom jazyku zdokona\u013eovali.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Ak chce podnikate\u013e za\u010da\u0165 podnika\u0165, chce vidie\u0165 v\u00fdsledky pr\u00e1ce a te\u0161\u00ed sa na to, ako to cel\u00e9 bude vyzera\u0165. Ako by mal u\u010dite\u013e cvi\u010dnej firmy motivova\u0165 \u017eiakov, aby sa s\u00fastredili na mo\u017enos\u0165 z ich poh\u013eadu nudnej\u0161iu f\u00e1zu, ale tak ve\u013emi d\u00f4le\u017eit\u00fa na to, aby podnikanie bolo \u00faspe\u0161n\u00e9?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Nemysl\u00edm si, \u017ee v tomto je potrebn\u00e9 vym\u00fd\u0161\u013ea\u0165 koleso. Mo\u017eno pou\u017ei\u0165 pr\u00e1ve tie techniky a met\u00f3dy, ktor\u00e9 funguj\u00fa aj niekde inde. Mo\u017eno vyu\u017e\u00edva\u0165 pr\u00edklady, ktor\u00e9 \u017eiakom nie\u010do hovoria. Nebudem teda vysvet\u013eova\u0165 problematiku finan\u010dn\u00e9ho pl\u00e1nu na pr\u00edklade fotovoltickej elektr\u00e1rne. Ale mo\u017eno na pr\u00edklade, ktor\u00fd si vedia \u017eiaci alebo mlad\u00ed \u013eudia predstavi\u0165 a \u010do poznaj\u00fa. A potom je d\u00f4le\u017eit\u00e9 sna\u017ei\u0165 sa da\u0165 tro\u0161ku pr\u00edbehov do tejto problematiky a vsun\u00fa\u0165 tam nejak\u00fa em\u00f3ciu, mo\u017eno aj negat\u00edvnu. Pozrie\u0165 sa na to, \u017ee tento a skrachovan\u00fd podnikate\u013e nerobil finan\u010dn\u00fd pl\u00e1n alebo keby ho robil, tak mo\u017eno by neskrachoval. \u010ci\u017ee sna\u017ei\u0165 sa to o\u017eivi\u0165 a\u202frie\u0161i\u0165 to mo\u017eno pr\u00e1ve v r\u00e1mci t\u00edmovej spolupr\u00e1ce.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Mo\u017eno pou\u017ei\u0165 aj va\u0161u mapu, ktor\u00fa ste spom\u00ednali na za\u010diatku.<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Ur\u010dite. Ja to ve\u013emi ve\u013emi \u010dasto pou\u017e\u00edvam. N\u00e1jdem nejak\u00fa mini dedinku, ktor\u00e1 je na Slovensku a najsk\u00f4r zist\u00edm, \u017ee \u010di ju \u013eudia poznaj\u00fa alebo nie. A ke\u010f\u017ee ju nepoznaj\u00fa, tak cestujeme do tej dedinky. Na tomto im potom ukazujem, \u017ee pokia\u013e neviete, kde je napr\u00edklad Horn\u00e1 Marikov\u00e1, tak netu\u0161\u00edte napr\u00edklad, \u010di tam ide autobus, \u010di sa tam dostanete vlak, alebo si zoberiete tax\u00edk a tak \u010falej. Ale ke\u010f u\u017e m\u00e1te mapu, tak viete, \u017ee asi nebude ma\u0165 v\u00fdznam vola\u0165 si tax\u00edk z\u202fPetr\u017ealky v Bratislave a \u00eds\u0165 tam, ale zvol\u00edte mo\u017eno in\u00fd sp\u00f4sob dopravy. Na jednoduch\u00fdch pr\u00edkladoch im uk\u00e1\u017eete, \u017ee ani finan\u010dn\u00fd pl\u00e1n nemus\u00ed by\u0165 nie\u010do \u00faplne, nie\u010do stra\u0161n\u00e9 nudn\u00e9, pri \u010dom nemusia umiera\u0165. A ke\u010f s\u00fa \u013eudia, ktor\u00ed robia \u00fa\u010dtovn\u00edctvo a bav\u00ed ich to, tak si mysl\u00edm, \u017ee finan\u010dn\u00fd pl\u00e1n z h\u013eadiska nudnosti, nie je ni\u010d hrozn\u00e9, ako \u00fa\u010dtovn\u00edctvo samo.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Na z\u00e1ver \u2013 je teda finan\u010dn\u00fd pl\u00e1n len tabu\u013eka v Exceli?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Nem\u00e1 to by\u0165 samo\u00fa\u010deln\u00e9. Ak m\u00e1te nad\u0161enie v\u202fn\u00e1pade, v z\u00e1mere a tak \u010falej, tak \u00faplne inak sa v\u00e1m bude robi\u0165 finan\u010dn\u00fd pl\u00e1n, ako ke\u010f m\u00e1te nastavenie, \u017ee mus\u00edte urobi\u0165 finan\u010dn\u00fd pl\u00e1n na nie\u010do, \u010do v\u00e1m v\u00f4bec ni\u010d nehovor\u00ed. Jedna vec je, \u017ee v\u202ftom nie ste odborn\u00edk, nem\u00e1te tam \u017eiadnu em\u00f3ciu. Druh\u00e1 vec je, \u017ee ja by som t\u00fdch \u013eud\u00ed \u00faplne nechcel odhovori\u0165 od robenia t\u00fdm, \u017ee im uk\u00e1\u017eete 12 kapit\u00e1lov\u00fa \u0161trukt\u00faru finan\u010dn\u00e9ho podnikate\u013esk\u00e9ho pl\u00e1nu. Je to porovnate\u013en\u00e9 s t\u00fdm, ako keby \u010dlovek povedzme plno\u0161t\u00edhlej postavy mal zabehn\u00fa\u0165 marat\u00f3n. On by ho mo\u017eno zabehol a mo\u017eno by umrel na prvom kilometri. To ist\u00e9 niekedy chceme aj od det\u00ed. Chceme, aby i\u0161li rovno na marat\u00f3n. Pri\u010dom dnes m\u00e1m r\u00f4zne jednoduch\u00e9 \u0161abl\u00f3ny, ktor\u00fdmi sa d\u00e1 za\u010da\u0165.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">V tej komplikovanej \u0161trukt\u00fare m\u00e1te model Business Canva, v\u202fktorom na jednu A4 spracujete to \u00faplne najd\u00f4le\u017eitej\u0161ie. Mo\u017eno tam pr\u00eddete na to, \u017ee neviete, kto je v\u00e1\u0161 z\u00e1kazn\u00edk, neviete pop\u00edsa\u0165 jednoducho biznis model, teda to, na \u010dom v\u00e1m bude va\u0161e podnikanie zar\u00e1ba\u0165. A mo\u017eno tam pr\u00eddete na to, \u017ee va\u0161e podnikanie nem\u00e1 potenci\u00e1l zar\u00e1ba\u0165 peniaze a by\u0165 ziskov\u00e9, \u010di\u017ee u\u017e nemus\u00edte do detailu rozprac\u00fava\u0165 a prid\u00e1va\u0165 nejak\u00e9 vaty do \u010fal\u0161\u00edch kapitol toho pl\u00e1nu.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) Chcela som poveda\u0165 jeden pr\u00edklad. Bola som na pobyte, na ktorom sme mali v\u00fdborn\u00e9ho, naozaj skvel\u00e9ho mas\u00e9ra. Povedal mi, \u017ee ve\u013emi dlho, a\u017e osem rokov, pracoval ako mas\u00e9r u\u202fniekoho, a\u017e k\u00fdm sa odhodlal, \u017ee za\u010dne robi\u0165 s\u00e1m na seba. Byrokracia spojen\u00e1 s\u202fpodnikan\u00edm ho v\u0161ak ur\u010dit\u00fdm sp\u00f4sobom ni\u010dila, spravil si podnikate\u013esk\u00fd pl\u00e1n, nap\u00edsal si finan\u010dn\u00fd pl\u00e1n, i\u0161iel aj na biznis \u0161kolenia, no zistil, \u017ee nie to nem\u00f4\u017ee robi\u0165. Musel sa spoji\u0165 s\u202fniek\u00fdm in\u00fdm, kto mu toto v\u0161etko urob\u00ed a teraz kone\u010dne\u00a0 za\u010dal vlastne robi\u0165 na seba, ale jeho \u00falohou je mas\u00edrovanie. A ostatn\u00e9 veci ako odvody, dane a\u202fpod. prevzal niekto in\u00fd, koho bav\u00ed pr\u00e1ve t\u00e1to \u010das\u0165 a on si rob\u00ed len to svoje mas\u00edrovanie a je \u0161\u0165astn\u00fd.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(LS) Mysl\u00edm si, \u017ee to v\u00fdborn\u00e1 t\u00e9ma na z\u00e1ver. \u010casto sa st\u00e1va, \u017ee m\u00e1te dobr\u00e9ho kuch\u00e1ra a ten si zmysl\u00ed, \u017ee nebude u\u017e robi\u0165 na niekoho a otvor\u00ed si vlastn\u00fa re\u0161taur\u00e1ciu. Treba si v\u0161ak uvedomi\u0165, \u017ee majite\u013e re\u0161taur\u00e1cie a podnikate\u013e je \u00faplne in\u00fd typ \u010dloveka ako kuch\u00e1r. Majite\u013e mas\u00e1\u017eneho sal\u00f3nu je \u00faplne in\u00fd typ \u010dloveka a potrebuje ma\u0165 \u00faplne in\u00fd skills set ako mas\u00e9r napr\u00edklad. Takisto \u00fa\u010dtovn\u00edk je \u00faplne in\u00fd typ \u010dlovek ako majite\u013e \u00fa\u010dtovnej firmy. \u010ci\u017ee to si mo\u017eno treba tie\u017e uvedomi\u0165 a pozna\u0165 svoje siln\u00e9 a slab\u00e9 str\u00e1nky. Potom si poveda\u0165, ktor\u00e9 veci vieme vyoutsourcova\u0165 a\u202fktor\u00e9 nie. A potom m\u00e1me \u201e\u0161pekulantov\u201c, ktor\u00ed nevedia da\u0165 nikde \u017eiadnu pridan\u00fa hodnotu, no radi by podnikali. Vtedy sa p\u00fdtame, \u017ee pre\u010do.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">(GH) O to vz\u00e1cnej\u0161ia je aj cvi\u010dn\u00e1 firma, kde si \u017eiaci tieto zru\u010dnosti vedia vysk\u00fa\u0161a\u0165 a\u202fzistia, v \u010dom s\u00fa dobr\u00ed, kde s\u00fa ich siln\u00e9 slab\u00e9 str\u00e1nky a na \u010dom m\u00f4\u017eu postavi\u0165 svoju bud\u00facnos\u0165. Mnoh\u00ed s\u00fa potom \u0161\u0165astn\u00ed, lebo neber\u00fa \u017eivot, \u017ee je to zamestnanie, do ktor\u00e9ho chod\u00edm, nebav\u00ed ma to, ale s\u00fa \u0161\u0165astn\u00ed.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ccde914 e-flex e-con-boxed e-con e-parent\" data-id=\"ccde914\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ba2a52 elementor-widget elementor-widget-heading\" data-id=\"1ba2a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Zna\u010dka, ktor\u00e1 funguje: Pre\u010do je mo\u017enos\u0165 zlyha\u0165 v cvi\u010dnej firme tou najv\u00e4\u010d\u0161ou v\u00fdhodou pre \u017eiakov<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b90a6d elementor-widget elementor-widget-text-editor\" data-id=\"0b90a6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"paragraph normal ng-star-inserted\" data-start-index=\"0\"><p data-start=\"70\" data-end=\"299\">Tre\u0165ou epiz\u00f3dou n\u00e1\u0161ho seri\u00e1lov\u00e9ho podcastu je diskusia o tom, ako vytvori\u0165 zna\u010dku, ktor\u00e1 skuto\u010dne funguje \u2013 a ako na to aj v prostred\u00ed cvi\u010dnej firmy. Hovorili sme o tom, pre\u010do je zna\u010dka k\u013e\u00fa\u010dov\u00e1 pre ka\u017ed\u00fd podnikate\u013esk\u00fd n\u00e1pad.<\/p><p data-start=\"301\" data-end=\"857\">Na\u0161\u00edm \u0161peci\u00e1lnym hos\u0165om bol\u00a0<strong data-start=\"328\" data-end=\"342\">Peter \u0160ebo<\/strong>, market\u00e9r a zakladate\u013e digit\u00e1lnej agent\u00fary <strong data-start=\"386\" data-end=\"400\">PS:Digital<\/strong>, ktor\u00e1 u\u017e viac ako desa\u0165 rokov patr\u00ed medzi \u00faspe\u0161n\u00fdch hr\u00e1\u010dov na trhu v\u010faka zameraniu na dynamicky rast\u00faci segment digit\u00e1lneho marketingu. Peter je tie\u017e spoluzakladate\u013eom a akt\u00edvnym \u010dlenom <strong data-start=\"579\" data-end=\"647\">Asoci\u00e1cie digit\u00e1lnych marketingov\u00fdch agent\u00far na Slovensku (ASAI)<\/strong>. V marketingu prep\u00e1ja technol\u00f3gie so zdrav\u00fdm rozumom a ukazuje, \u017ee aj \u0161tudentsk\u00e1 firma m\u00f4\u017ee myslie\u0165 a vystupova\u0165 ako zna\u010dka. Podelil sa s nami o sk\u00fasenosti, ako sa presadi\u0165 na trhu a n\u00e1js\u0165 si svoje jedine\u010dn\u00e9 miesto.<\/p><p data-start=\"859\" data-end=\"1389\">V epiz\u00f3de sa dozviete, \u010do je zna\u010dka a pre\u010do je d\u00f4le\u017eit\u00e9 zaobera\u0165 sa \u0148ou u\u017e pri zakladan\u00ed firmy. Diskutovali sme o tom, ako prebieha budovanie zna\u010dky krok za krokom \u2013 podobne ako v \u00faspe\u0161n\u00fdch startupoch \u2013 a ako si vytvori\u0165 autentick\u00fd t\u00f3n komunik\u00e1cie. Hovorili sme aj o trendoch, ktor\u00e9 dnes h\u00fdbu tvorbou zna\u010diek, a o tom, ako do cel\u00e9ho procesu vstupuje umel\u00e1 inteligencia a ako men\u00ed pr\u00e1cu v marketingu.<\/p><p data-start=\"1391\" data-end=\"1487\">A \u010do si Peter mysl\u00ed o <em data-start=\"1419\" data-end=\"1431\">lovebrande<\/em>? Odpove\u010f sa dozviete v tretej epiz\u00f3de n\u00e1\u0161ho podcastu.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-196c057 e-con-full e-flex e-con e-child\" data-id=\"196c057\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0f6f04 elementor-widget elementor-widget-text-editor\" data-id=\"e0f6f04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<iframe data-testid=\"embed-iframe\" style=\"border-radius:12px\" src=\"https:\/\/open.spotify.com\/embed\/episode\/0kPSVOuF9PCr1ddG0k9Dlh?utm_source=generator\" width=\"100%\" height=\"252\" frameborder=\"0\" allowfullscreen=\"\" allow=\"autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture\" loading=\"lazy\"><\/iframe>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5361b05 e-flex e-con-boxed e-con e-parent\" data-id=\"5361b05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa6bd7c elementor-widget elementor-widget-heading\" data-id=\"fa6bd7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4.  Od \u0161kolskej lavice k l\u00edderstvu: Ako vybudova\u0165 t\u00edm, ktor\u00fd funguje aj v cvi\u010dnej firme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9db08a9 elementor-widget elementor-widget-text-editor\" data-id=\"9db08a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u0160tvrt\u00e1 epiz\u00f3da n\u00e1\u0161ho seri\u00e1lov\u00e9ho podcastu <span class=\"ng-star-inserted\" data-start-index=\"34\">odhal\u00ed k\u013e\u00fa\u010d k \u00faspe\u0161nej <\/span>t\u00edmovej spolupr\u00e1ci.<span class=\"ng-star-inserted\" data-start-index=\"88\"> Ponor\u00edme sa do t\u00e9my tvorby <\/span>pracovn\u00e9ho t\u00edmu v cvi\u010dnej firme. Na\u0161ou \u0161peci\u00e1lnou hostkou bude<span class=\"ng-star-inserted\" data-start-index=\"141\">\u00a0<\/span><b class=\"ng-star-inserted\" data-start-index=\"160\">Lucia Ledn\u00e1rov\u00e1 D\u00edt\u011btov\u00e1<\/b> z Trexima Bratislava.<\/p><div class=\"paragraph normal ng-star-inserted\" data-start-index=\"272\"><span class=\"ng-star-inserted\" data-start-index=\"272\">Dozviete sa, <\/span>\u010do znamen\u00e1 pracova\u0165 v t\u00edme, ktor\u00fd m\u00f4\u017ee u\u017e v roku 2030 zah\u0155\u0148a\u0165 a\u017e p\u00e4\u0165 gener\u00e1ci\u00ed<span class=\"ng-star-inserted\" data-start-index=\"361\">, a ako sa na to pripravi\u0165<\/span><span class=\"ng-star-inserted\" data-start-index=\"387\">. Rozoberieme, <\/span>ktor\u00e9 aktivity v cvi\u010dnej firme najviac preveria schopnos\u0165 \u017eiakov spolupracova\u0165<span class=\"ng-star-inserted\" data-start-index=\"480\">, ak\u00e9 <\/span>vlastnosti s\u00fa k\u013e\u00fa\u010dov\u00e9 pre fungovanie bez konfliktov<span class=\"ng-star-inserted\" data-start-index=\"537\"> a <\/span>ako sa nau\u010di\u0165 zvl\u00e1da\u0165 konflikty<span class=\"ng-star-inserted\" data-start-index=\"571\">. Zist\u00edte tie\u017e, <\/span>ktor\u00e9 z TOP zru\u010dnost\u00ed pre bud\u00facnos\u0165, predpovedan\u00fdch Svetov\u00fdm ekonomick\u00fdm f\u00f3rom, najviac rozhodn\u00fa o \u00faspechu t\u00edmu<span class=\"ng-star-inserted\" data-start-index=\"698\"> a ako sa do t\u00edmovej pr\u00e1ce premietaj\u00fa trendy ako <\/span>big data anal\u00fdzy, umel\u00e1 inteligencia a kybernetick\u00e1 bezpe\u010dnos\u0165.\u00a0<span class=\"ng-star-inserted\" data-start-index=\"810\">Lucia Ledn\u00e1rov\u00e1 D\u00edt\u011btov\u00e1, expertka na pracovn\u00e9 t\u00edmy, prezrad\u00ed, <\/span>pod\u013ea \u010doho by si sama vyberala \u013eud\u00ed do t\u00edmu<span class=\"ng-star-inserted\" data-start-index=\"916\">, keby dnes zakladala \u0161tudentsk\u00fa cvi\u010dn\u00fa firmu. Z\u00edskate aj praktick\u00e9 rady pre u\u010dite\u013eov, ktor\u00ed prv\u00fdkr\u00e1t ved\u00fa \u0161tudentov pri skladan\u00ed t\u00edmu.<\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eafeee0 elementor-widget elementor-widget-text-editor\" data-id=\"eafeee0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<iframe data-testid=\"embed-iframe\" style=\"border-radius:12px\" src=\"https:\/\/open.spotify.com\/embed\/episode\/1AKQsmiqmT3bokWd2yAo8X?utm_source=generator\" width=\"100%\" height=\"252\" frameborder=\"0\" allowfullscreen=\"\" allow=\"autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture\" loading=\"lazy\"><\/iframe>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3ec793 e-flex e-con-boxed e-con e-parent\" data-id=\"b3ec793\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efe28cc elementor-widget elementor-widget-heading\" data-id=\"efe28cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. Podnikate\u013esk\u00e9 zru\u010dnosti, ktor\u00e9 menia hru: Ako ich rozv\u00edja\u0165 v cvi\u010dnej firme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a522298 elementor-widget elementor-widget-text-editor\" data-id=\"a522298\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"paragraph normal ng-star-inserted\" data-start-index=\"0\"><span class=\"ng-star-inserted\" data-start-index=\"0\">Piata <\/span>epiz\u00f3da n\u00e1\u0161ho seri\u00e1lov\u00e9ho podcastu<span class=\"ng-star-inserted\" data-start-index=\"34\">\u00a0v\u00e1m odhal\u00ed, ako rozv\u00edja\u0165 <\/span>podnikate\u013esk\u00e9 zru\u010dnosti, ktor\u00e9 menia hru.<span class=\"ng-star-inserted\" data-start-index=\"107\"> Ponor\u00edme sa do t\u00e9my rozvoja t\u00fdchto k\u013e\u00fa\u010dov\u00fdch zru\u010dnost\u00ed v kontexte cvi\u010dnej firmy s na\u0161ou \u0161peci\u00e1lnou hostkou <\/span>Ol\u00edviou Hurbanovou pr<span class=\"ng-star-inserted\" data-start-index=\"223\">esk\u00famame prierezov\u00e9 zru\u010dnosti potrebn\u00e9 pre podnikanie v 21. storo\u010d\u00ed.<\/span><\/div><div data-start-index=\"333\">\u00a0<\/div><div class=\"paragraph normal ng-star-inserted\" data-start-index=\"333\"><strong>Ol\u00edvia Hurbanov\u00e1<\/strong><span class=\"ng-star-inserted\" data-start-index=\"349\">, lektorka ocenen\u00e1 titulom Lektorka roka 2019, mentorka a autorka konceptu Future Skills, sa podel\u00ed o svoje poznatky o <\/span>k\u013e\u00fa\u010dov\u00fdch prierezov\u00fdch zru\u010dnostiach \u00faspe\u0161n\u00e9ho podnikate\u013ea<span class=\"ng-star-inserted\" data-start-index=\"525\"> a ako na ne pripravova\u0165 \u0161tudentov u\u017e na strednej \u0161kole. Ako \u201epozit\u00edvna skepti\u010dka\u201c prinesie jedine\u010dn\u00fd poh\u013ead na to, ako sa \u017eije s kritick\u00fdm myslen\u00edm a ako podporova\u0165 <\/span>kritick\u00e9 myslenie a rie\u0161enie probl\u00e9mov<span class=\"ng-star-inserted\" data-start-index=\"729\"> u \u0161tudentov.<\/span><\/div><div class=\"paragraph normal ng-star-inserted\" data-start-index=\"742\"><span class=\"ng-star-inserted\" data-start-index=\"742\">Dozviete sa, ktor\u00e9 met\u00f3dy sa osved\u010dili pre rozvoj <\/span>komunik\u00e1cie a spolupr\u00e1ce<span class=\"ng-star-inserted\" data-start-index=\"816\"> v t\u00edmoch, a ako sa dar\u00ed dr\u017ea\u0165 krok s digit\u00e1lnymi a technologick\u00fdmi zru\u010dnos\u0165ami \u017eiakov. Diskutova\u0165 budeme tie\u017e o tom, ako rozv\u00edja\u0165 <\/span>kreativitu a inov\u00e1cie<span class=\"ng-star-inserted\" data-start-index=\"955\"> s vyu\u017eit\u00edm konceptu \u201eoutspiration\u201c a ako pripravi\u0165 \u0161tudentov na <\/span>presved\u010div\u00e9 prezentovanie projektov<span class=\"ng-star-inserted\" data-start-index=\"1055\">, vr\u00e1tane schopnosti improvizova\u0165 a reagova\u0165 na ot\u00e1zky.\u00a0<\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87f0e50 elementor-widget elementor-widget-text-editor\" data-id=\"87f0e50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<iframe data-testid=\"embed-iframe\" style=\"border-radius:12px\" src=\"https:\/\/open.spotify.com\/embed\/episode\/2EK2KTbVi2O0DiDHmY9V9J?utm_source=generator\" width=\"100%\" height=\"252\" frameborder=\"0\" allowfullscreen=\"\" allow=\"autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture\" loading=\"lazy\"><\/iframe>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Podcast \u0160IOV BizStarter Vitajte na str\u00e1nke podcastu \u0160IOV BizStarter \u2013 s\u00e9rie rozhovorov, v ktor\u00fdch sa svet \u0161koly prep\u00e1ja s dynamick\u00fdm prostred\u00edm re\u00e1lneho podnikania. Uk\u00e1\u017eeme v\u00e1m, \u017ee predmet cvi\u010dn\u00e1 firma je ove\u013ea viac ne\u017e len be\u017en\u00e1 hodina v rozvrhu \u2013 je to priestor pre inov\u00e1cie, prax a osobn\u00fd rozvoj. Tento p\u00e4\u0165dielny seri\u00e1l sme pripravili predov\u0161etk\u00fdm pre [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":20178,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-20177","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Podcast \u0160IOV BizStarter - \u0160IOV - \u0161t\u00e1tny in\u0161tit\u00fat odborn\u00e9ho vzdel\u00e1vania<\/title>\n<meta name=\"description\" content=\"Vitajte pri po\u010d\u00favan\u00ed podcastu \u0160IOV BizStarter \u2013 s\u00e9rie rozhovorov, v ktor\u00fdch sa svet \u0161koly prep\u00e1ja s dynamick\u00fdm prostred\u00edm re\u00e1lneho podnikania. Uk\u00e1\u017eeme v\u00e1m, \u017ee tento predmet je ove\u013ea viac ne\u017e len be\u017en\u00e1 hodina v rozvrhu \u2013 je to priestor pre inov\u00e1cie, prax a osobn\u00fd rozvoj. Tento p\u00e4\u0165dielny seri\u00e1l sme pripravili predov\u0161etk\u00fdm pre v\u00e1s, u\u010dite\u013eov, ktor\u00ed cvi\u010dn\u00fa firmu u\u017e ved\u00fa, alebo sa na jej vyu\u010dovanie pr\u00e1ve pripravujete. Ver\u00edme, \u017ee v\u00e1m pom\u00f4\u017eeme objavi\u0165 nov\u00e9 pr\u00edstupy a in\u0161pir\u00e1ciu. A ak n\u00e1s pr\u00e1ve po\u010d\u00fava\u0161 ako \u017eiak \u010di \u017eia\u010dka, rozhodne osta\u0148 s nami! Mo\u017eno pr\u00e1ve tu n\u00e1jde\u0161 ten spr\u00e1vny impulz, ktor\u00fd na\u0161tartuje tvoju kari\u00e9ru.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/archiv.siov.sk\/en\/podcast-siov-bizstarter\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Podcast \u0160IOV BizStarter - \u0160IOV - \u0161t\u00e1tny in\u0161tit\u00fat odborn\u00e9ho vzdel\u00e1vania\" \/>\n<meta property=\"og:description\" content=\"Vitajte pri po\u010d\u00favan\u00ed podcastu \u0160IOV BizStarter \u2013 s\u00e9rie rozhovorov, v ktor\u00fdch sa svet \u0161koly prep\u00e1ja s dynamick\u00fdm prostred\u00edm re\u00e1lneho podnikania. Uk\u00e1\u017eeme v\u00e1m, \u017ee tento predmet je ove\u013ea viac ne\u017e len be\u017en\u00e1 hodina v rozvrhu \u2013 je to priestor pre inov\u00e1cie, prax a osobn\u00fd rozvoj. Tento p\u00e4\u0165dielny seri\u00e1l sme pripravili predov\u0161etk\u00fdm pre v\u00e1s, u\u010dite\u013eov, ktor\u00ed cvi\u010dn\u00fa firmu u\u017e ved\u00fa, alebo sa na jej vyu\u010dovanie pr\u00e1ve pripravujete. Ver\u00edme, \u017ee v\u00e1m pom\u00f4\u017eeme objavi\u0165 nov\u00e9 pr\u00edstupy a in\u0161pir\u00e1ciu. A ak n\u00e1s pr\u00e1ve po\u010d\u00fava\u0161 ako \u017eiak \u010di \u017eia\u010dka, rozhodne osta\u0148 s nami! Mo\u017eno pr\u00e1ve tu n\u00e1jde\u0161 ten spr\u00e1vny impulz, ktor\u00fd na\u0161tartuje tvoju kari\u00e9ru.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/archiv.siov.sk\/en\/podcast-siov-bizstarter\/\" \/>\n<meta property=\"og:site_name\" content=\"\u0160IOV - \u0161t\u00e1tny in\u0161tit\u00fat odborn\u00e9ho vzdel\u00e1vania\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Statnyinstitutodbornehovzdelavania\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-29T08:56:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/archiv.siov.sk\/wp-content\/uploads\/2025\/08\/SIOV-BizStarter-1080-x-1080-px-380-x-380-px.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"380\" \/>\n\t<meta property=\"og:image:height\" content=\"380\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"86 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/archiv.siov.sk\\\/podcast-siov-bizstarter\\\/\",\"url\":\"https:\\\/\\\/archiv.siov.sk\\\/podcast-siov-bizstarter\\\/\",\"name\":\"Podcast \u0160IOV BizStarter - \u0160IOV - \u0161t\u00e1tny in\u0161tit\u00fat odborn\u00e9ho vzdel\u00e1vania\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/archiv.siov.sk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/archiv.siov.sk\\\/podcast-siov-bizstarter\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/archiv.siov.sk\\\/podcast-siov-bizstarter\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/archiv.siov.sk\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/SIOV-BizStarter-1080-x-1080-px-380-x-380-px.jpg\",\"datePublished\":\"2025-08-18T07:49:44+00:00\",\"dateModified\":\"2025-09-29T08:56:33+00:00\",\"description\":\"Vitajte pri po\u010d\u00favan\u00ed podcastu \u0160IOV BizStarter \u2013 s\u00e9rie rozhovorov, v ktor\u00fdch sa svet \u0161koly prep\u00e1ja s dynamick\u00fdm prostred\u00edm re\u00e1lneho podnikania. Uk\u00e1\u017eeme v\u00e1m, \u017ee tento predmet je ove\u013ea viac ne\u017e len be\u017en\u00e1 hodina v rozvrhu \u2013 je to priestor pre inov\u00e1cie, prax a osobn\u00fd rozvoj. Tento p\u00e4\u0165dielny seri\u00e1l sme pripravili predov\u0161etk\u00fdm pre v\u00e1s, u\u010dite\u013eov, ktor\u00ed cvi\u010dn\u00fa firmu u\u017e ved\u00fa, alebo sa na jej vyu\u010dovanie pr\u00e1ve pripravujete. Ver\u00edme, \u017ee v\u00e1m pom\u00f4\u017eeme objavi\u0165 nov\u00e9 pr\u00edstupy a in\u0161pir\u00e1ciu. A ak n\u00e1s pr\u00e1ve po\u010d\u00fava\u0161 ako \u017eiak \u010di \u017eia\u010dka, rozhodne osta\u0148 s nami! 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