Självfinansiering

Självfinansiering, which translates to self-financing, is a concept referring to the use of one's own resources to fund an endeavor. This can encompass a wide range of situations, from individuals funding personal projects or education with their savings to businesses using retained earnings and profits to finance growth and operations. It stands in contrast to external financing, which involves obtaining funds from sources outside the entity, such as loans from banks, investments from venture capitalists, or issuing shares.

The primary advantage of självfinansiering is the avoidance of debt and the associated interest payments, as well as maintaining full control over the venture without diluting ownership. It often signifies financial stability and prudent management. However, it can also limit the scale and speed of growth if internal resources are insufficient to meet ambitious objectives. For businesses, relying solely on självfinansiering might mean slower expansion compared to competitors who leverage external capital. For individuals, it can necessitate a longer timeframe to achieve financial goals, such as purchasing a home or starting a business. The decision to pursue självfinansiering is typically a strategic one, weighing the benefits of independence and cost savings against potential limitations in growth and opportunity.