Business Risk Arises due to Pandemic...

                      

                         Fear of Corona..

                                

Due to Pandemic situation all the business are very much affected, due to this many risks are arises on business these are...

1) Online business is run rapidly-Due to Pandemic situation people not go outside and purchase the goods due to the fear of corona and follow social distance rule they like online business just give order and get their product at home .So other business are very much affected.They have no buyer to buy their products.Online business run rapidly.

2) Risk of Unsold stock of goods-Due to Pandemic buyers not go outside and purchase the goods so the stock of goods remains unsold lying with sellers.

3) Risk of block of capital- Due to not sold of goods risk of block of  capital in stock .So  traders not have sufficient cash in hand to make payment like interest payment of loan , payment for stock purchase, salary payment etc due to insufficient cash trader had to take loan for day to day expenses.Due to Pandemic financial risk are much arises.

4) Risk of No rotation of money-Pandemic leads to decrease sales so their is no cash in traders hand .Due to decrease in sale money rotation is stopped.So every businessmen is in great difficulty,and take heavy stress.

                       

                  Risks Arises due to Pandemic..

महामारी के कारण जोखिम उठा ...

 महामारी की स्थिति के कारण सभी व्यवसाय बहुत अधिक प्रभावित होते हैं, इसके कारण व्यापार पर कई जोखिम उत्पन्न होते हैं ...

 1) ऑनलाइन व्यापार तेजी से चलाया जाता है-महामारी की स्थिति के कारण लोग बाहर नहीं जाते हैं और कोरोना के डर के कारण सामान खरीदते हैं और सामाजिक दूरी के नियम का पालन करते हैं, वे ऑनलाइन व्यापार को केवल ऑर्डर देना चाहते हैं और घर पर अपना उत्पाद प्राप्त करते हैं। अन्य व्यवसाय बहुत हैं।  बहुत प्रभावित हुए। उनके पास अपने उत्पादों को खरीदने के लिए कोई खरीदार नहीं है। व्यापार तेजी से चलता है।

 2) सामानों के अनसोल्ड स्टॉक का जोखिम-महामारी के कारण खरीदार बाहर जाकर सामान नहीं खरीदते हैं, इसलिए सामानों का स्टॉक विक्रेताओं के पास पड़ा रहता है।

 3) पूँजी के ब्लॉक का जोखिम- स्टॉक में पूँजी के ब्लॉक के माल के जोखिम के कारण नहीं बेचा जाता है। कुछ व्यापारियों के पास पर्याप्त नकदी नहीं होती है ताकि वे ऋण का ब्याज भुगतान, स्टॉक खरीद के लिए भुगतान, वेतन भुगतान आदि अपर्याप्त होने के कारण भुगतान कर सकें।  नकद व्यापारी को दिन-प्रतिदिन के खर्च के लिए ऋण लेना पड़ता था। महामारी के कारण वित्तीय जोखिम बहुत अधिक उत्पन्न होते हैं।

 ४) पैसों की कोई रोटेशन के जोखिम-महामारी ने बिक्री को कम करने की ओर ले जाता है, इसलिए व्यापारियों के हाथ में कोई नकदी नहीं है। बिक्री में कमी के कारण पैसे के रोटेशन को रोक दिया जाता है। इसलिए हर व्यवसायी बड़ी मुश्किल में है, और भारी तनाव ले रहा है।

Business Risk

Business risk-Business is uncertain because there is probability of losses which is not in control of businessmen.There are many risks in business like demand for product declined due to change in fashion,tastes, preferences of the customers or loss by fire,theft etc.
               
      Nature of Business Risk

✓Profit is the reward for bearing Risk-Business is the reward of bearing risk because in business"no risk no gain"because entrepreneur bears risk with the expectation of earning Profit.

✓Risk is essential part of business-Risk is essential part of every business because every businessmen have to bears risk to earn profit .

✓Business Risk due to uncertainty-There are many risks in business due to uncertainity.Uncertainity means what is going to be happen in future like change in consumers tastes ,preferences demand,change in govt policy etc these are the risks who makes business uncertain.

            .
              Business risk.

 Cause of Business Risk...

There are 4 causes of business risks..

1) Natural causes-

In this those causes are included in which human beings have no control over it.Natural causes like earthquake,flood,famine etc these affects business a lot because businessmen cannot make preparation against it because it is uncertain.

2)Human causes-In this,causes related to human beings are included means business suffer due to employees of organisation.it includes

•Dishonesty of employees.
•strike by employee.
•Employee leak secret information.
•Emoloyee commits fraud .
•Employees waste organisation resources.
Due to these causes business incurr heavy losses.

3) Economic causes-In this economic causes are included these are👇•Change in price ,taste, preferences etc
•Government tax policy
•price fluctuation
•Demand policy.Due to these businessmen always in risk because they lead heavy losses.
4) Physical causes-In this all physical causes are included like •change in technology
•Old use of technology 
•Mechanical defects are included.

                     Types of Business Risk..
✏️Insurable Risk- Risk which are recoverd by insurance company are called Insurable risks.Insurance companies provide protection against these risks like fire, theft, earthquake,flood etc.Insurance companies provide compensation against loss occur due to these Insurable risks.

✏️Non-Insurable Risk -Risk which are not recovered by insurance company are called Non-Insurable risks like economic risks and human risk .Businessmen cannot get compensation against these risks eg change in demand, carelessness of employees etc..😊

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