Abanikazi beMikhakha abazinikele ngokukhethekile ekusizeni abesomabhizinisi besifazane
Ungumabhizinisi osomabhizinisi ofuna ukuqala ibhizinisi lakhe kodwa engenakho imali? Kungaba inselelo enkulu kakhulu uma uqala nje, ikakhulukazi uma ungenalo irekhodi eliqinile lomsindo ebhizinisini, noma ungenayo ibhondi. Kodwa-ke, kunezinsiza eziningi zendawo, zesifundazwe nezesifundazwe ezitholakalayo kwabesifazane nabanikazi bamabhizinisi amancane uma wazi ukuthi ungabheka kuphi.
Lolu uhlu lwezinhlangano ezihlinzeka ngama-microloans-angaphansi kuka-$ 50,000-kubesifazane, amancane, namabhizinisi amancane. Yeluleka ukuthi ezinye izithiyo zisebenza, ikakhulukazi lezo ezilinganiselwe endaweni ethile. Futhi kungcono ukuhlola inhlangano ngokuqondile ukuqinisekisa ukuthi uthola ulwazi olubuyekeziwe kakhulu ngalokho abanikezayo.
01 Kiva
I-Kiva yaseSan Francisco esekelwe inzuzo engakaze yaqala ngo-2005 ehlose ukunciphisa ubumpofu ngokuxhuma abantu nge-microlending. Imali mboleko ixhaswe, kanti abanikeli bezimali banikele ngeminikelo encane njengama-dollar angu-25 kuyabolekayo. Ama-microloan ase-Kiva angasetshenziswa ukuqala noma ukukhula ibhizinisi kanye nezinye izinsiza. Ababolekayo bakhokhela ababolekisi nge-Kiva, futhi ababolekayo banganquma ukuthi bazobuyisela yini imali yabo komunye umboleki.
02 Ukuphathwa Kwebhizinisi Lincane
I-US Small Business Administration (SBA) inikeza izimali kubanikezeli abaphakathi abangabenzi-nzuzo abanomphakathi abanolwazi lokuphatha nokubolekisa. Abbolekayo basebenza ngokuqondile nalaba bahambeli abakhethiwe. Imali efika ku-$ 50,000 iyatholakala ukuze kusize amabhizinisi amancane aqale futhi anwebe. Umklomelo ngamunye oMphakathi unemihlahlandlela kanye nezidingo zokufaneleka, kodwa ama-microloans ase-SBA ajwayelekile avunyelwe ukukhokha izikweleti ezikhona, noma ukuthenga ingcebo.
03 Grameen America
Umninimali weNobel Prize u-Muhammad Yunus, owasungula uhlelo oluphumelelayo lwe-Grameen Bank uhlelo lwezingane ezincane eBangladesh, wasungula i-Grameen America ngonyaka ka-2008. Njengengxenye yeGrameen America, abesifazane abampofu bathola imfundo yezimali kanye nesiqondiso ngenjongo yokusungula isikweletu. Abesifazane kuhlelo lwe-Grameen America bangathola i $ 1,500 ukuze baqale ibhizinisi. Ngokusho kwe-website yayo, i-Grameen inikeza cishe amaRandi ayizigidi eziyizinkulungwane zama-microloan njalo ngenyanga. 04 ACCION USA
Owesifazane ophethe i-briefcase I-ACCION USA yinhlangano yangasese, engenzi inzuzo ehlinzeka ngama-microloans kuze kufike ku-$ 50,000 nakwezinye izinsizakalo zezezimali kubomabhizinisi abancane abahola kancane, kuhlanganise nabesifazane nabancane abangakwazi ukufinyelela isikweletu sebhange ngamabhizinisi abo amancane.
I-ACCION ibheka umlingisi wabanikazi bebhizinisi namandla ebhizinisi kanye nomlando wesikweletu lapho enikeza imali. Ngaphandle kwezinhlelo zokubolekisa ezifanelwe nabanikazi bebhizinisi labesifazane, i-ACCION inezinhlelo zabamancane, ama-veterans, amaMelika namazwe abakhubazekile.
05 Isikhwama Semali - Isikweletu Esithile Sokuboleka Kwamabhizinisi Abesifazane AbaseNew Mexico
I-New Mexico Community Development Loan Fund yinhlangano eyimfihlo, inkokhelo yentela ehlinzeka ngemali mboleko, ukuqeqeshwa, kanye nokubonisana kwebhizinisi kubamabhizinisi, abanikazi bebhizinisi kanye nezinhlangano ezingenzi inzuzo kulo lonke izwe kanye ne-Navajo Nation Nation. Lokhu kuvunyelwe abanikazi bebhizinisi abancane baseNew Mexico.
06 Wisconsin Women's Business Initiative Corporation (WBIC)
I-WBIC inikeza ama-microloans kuze kube ngu-$ 100,000 ngezinhlelo ezikhethekile zabanikazi bamabhizinisi abancane abesifazane. Ngaphandle kwezinhlelo zokuboleka abesifazane abanikezela ngezinhlelo zemfundo, izinkomfa, kanye nokusizwa kwebhizinisi kanye nezinsizakalo zokudlulisela. Izinhlelo zenhlangano zikhawulelwe kumabhizinisi amancane ase-Wisconsin asekelwe.
07 Izindleko zezomnotho zabesifazane
Le nhlangano inikeza izikweletu zamabhizinisi aphansi ezinkampanini ezinamakhosikazi aseSanta Barbara naseVesura County eCalifornia. Izimali zokuqala ziqala kusuka ku-$ 1,000 kuya ku-25,000. Imali mboleko yokwandisa ibhizinisi iyatholakala kulabesifazane ababe sebhizinisi okungenani iminyaka eyi-1.5 ngemali mboleko kusuka ku-$ 5,000 kuya ku-$ 50,000. 08 Elizabeth Street Capital
I-Elizabeth Street Capital iyinhlangano ye-Tory Burch Foundation ne-Bank of America, ehlinzeka ngemali yokubolekwa okungabizi kakhulu kubomabhizinisi besifazane nabanye abomabhizinisi emiphakathini engalondoloziwe. 09 Bank Bank Key
Ngisho nasezikhathini ezinzima, okungenani ibhange elilodwa liphuma ngaphandle kwesibhamu ngenxa yabesifazane ebhizinisini. Ibhange elibalulekile linomlando wesikhathi eside wesikweletu semisebenzi yabamabhizinisi futhi isebenza ukuqinisekisa ukuthi kusiza abesifazane besomabhizinisi ukuba baqale, bakhule futhi bagcine amabhizinisi abo asebenzayo, ngisho nangesikhathi sokudlulela emnothweni.