Microlenders Amene Amadziwika Kwambiri pa Thandizo Lazimayi Amalonda
Kodi ndiwe wochita zamalonda yemwe akufuna kuyamba bizinesi yake koma alibe ndalama? Zingakhale zovuta kwambiri pamene mutangoyamba, makamaka ngati mulibe mbiri yolimba mu bizinesi, kapena mulibe ndalama. Komabe, pali zipangizo zambiri zamtundu, zandale ndi zadziko zomwe zilipo kwa amayi ndi abampani ochepa ngati mukudziwa komwe mungayang'ane.
Uwu ndiwo mndandanda wa mabungwe omwe amapereka ma microloans omwe ali pansi pa $ 50,000-kwa akazi, ang'onoang'ono, ndi malonda ang'onoang'ono. Akulangizidwe kuti malamulo ena akugwiritsidwa ntchito, makamaka omwe ali ndi malo ena okhaokha. Ndipo ndi bwino kuyang'ana bungwe mwachindunji kuti mutsimikize kuti mumapeza zambiri zowonjezera zomwe amapereka.
01 Kiva
Kiva ya ku San Francisco ndi yopanda phindu yapadziko lonse yomwe inayamba mu 2005 yomwe ikulinga chochepetsera umphaŵi pogwirizanitsa anthu kudzera mu microlending. Ngongoleyi imapatsidwa ndalama zambiri, ndipo othandizira amapereka zopereka ngati za $ 25 kwa obwereka.
Ma microloans a Kiva angagwiritsidwe ntchito kuyamba kapena kukula bizinesi ndi ntchito zina. Okwanira amawabwezera obwereketsawo kudzera ku Kiva, ndipo ogulitsawo angasankhe kaya abwezeretse ndalama zawo kwa wina wobwereka.
02 Bungwe laling'ono lazamalonda
Bungwe la US Small Business Administration (SBA) limapereka ndalama kwa obwereketsa osamalidwa omwe akukhala nawo pagulu omwe ali ndi luso loyang'anira ndi kukongoza. Okwatulira amagwira ntchito mwachindunji ndi otsogolera omwe asankhidwa kale. Ndalama za $ 50,000 zilipo zothandizira makampani ang'onoang'ono kuyamba ndikulitsa.
Wolemba ndalama aliyense ali ndi zofunikira ndi zoyenera, koma ma microloans a SBA sangavomerezedwe kulipira ngongole zomwe zilipo, kapena kugula nyumba zogulitsa.
03 Grameen America
Wopambana mphoto ya Nobel Muhammad Yunus, yemwe anayambitsa pulogalamu ya Micro Gramen Women's Grameen Bank ku Bangladesh inakhazikitsa Grameen America mu 2008. Monga mbali ya Grameen America, amayi omwe ali umphaŵi amapatsidwa maphunziro a zachuma ndi zolinga ndi cholinga chokhazikitsa ngongole. Akazi mu Programme ya Grameen America akhoza kulandira $ 1,500 kuti ayambe bizinesi. Malingana ndi webusaiti yake, Grameen amapereka pafupifupi $ 100 miliyoni mu microloans mwezi uliwonse.
04 ACCION USA
Mzimayi Wolemba Briefcase
ACCION USA ndi bungwe lachinsinsi, lopanda phindu lomwe limapereka ma microloans mpaka $ 50,000 ndi zina zachuma kwa amalonda ochepa komanso ochepa, kuphatikizapo akazi ndi anthu ochepa omwe sangakwanitse kupeza ngongole ya banki pamakampani awo ang'onoang'ono.
ACCION imaona khalidwe la eni ake a bizinesi ndi mphamvu zamalonda komanso mbiri ya ngongole pamene akupereka ngongole. Kuwonjezera pa mapulogalamu a ngongole oyenerera azimayi amalonda, ACCION ili ndi mapulogalamu a anthu ochepa, ankhondo, Amwenye Achimereka ndi anthu olumala.
05 Loan Fund - Ngongole Zina kwa New Mexico Women Entrepreneurs
Nyuzipepala ya New Mexico Community Development Loan ndi bungwe lapayekha, la msonkho limene limapatsa ngongole, maphunziro, ndi malonda amalonda kwa amalonda, mabungwe amalonda komanso mabungwe osapindula m'dziko lonse la Navajo Nation.
Izi zimangoperekedwa kwa eni amalonda a New Mexico.
06 Wisconsin Women's Business Initiative Corporation (WBIC)
WBIC imapereka ma microloans mpaka $ 100,000 ndi mapulogalamu apadera kwa azimayi ang'onoang'ono amalonda. Kuwonjezera pa mapulogalamu a alangizi a amayi amaperekanso mapulogalamu a maphunziro, masemina, ndi chithandizo cha bizinesi ndi ntchito zotumiza.
Mapulogalamu a bungwe limeneli ali ochepa ku malonda ang'onoang'ono a Wisconsin.
Akazi a Economic Ventures
Bungwe ili limapereka ngongole zabizinesi zochepa kwa malonda a amayi ku Santa Barbara ndi Ventura County ku California. Ndalama zoyambira zimayamba kuyambira $ 1,000 mpaka $ 25,000. Kulipira ngongole kwa malonda kulipo kwa amayi omwe akhala akuchita bizinesi zaka zoposa 1.5 ndi ngongole kuyambira $ 5,000 mpaka $ 50,000.
08 Elizabeth Street Capital
Elizabeth Street Capital ndi mgwirizano wa Tory Burch Foundation ndi Bank of America, zomwe zimapereka mwayi wothandizira ngongole kwa amayi ogulitsa amalonda ndi amalonda ena m'madera omwe sakhala nawo.
09 Bank Bank
Ngakhale mu nthawi yovuta, banjani limodzi liri kunja uko kumfukizira kwa akazi mu bizinesi. Bank Key ili ndi ndondomeko ya ngongole yowononga ndalama zamakampani ndipo imayesetsa kuti athandize akazi amalonda kuyamba, kukula, ndi kusunga bizinezi yawo, ngakhale panthawi yotaya chuma.