Li-microlenders ba ikhethelang ho thusa Basali ba Basali
Na u mohoebi ea batlang ho qala khoebo ea hae empa a hloka chelete? E ka ba phephetso e kholo ha u qala ho tsoa, haholo-holo haeba u se na tlaleho e matla ea litekete khoebong, kapa u se na tšireletso. Leha ho le joalo, ho na le mehloli e mengata ea sebaka sa naha, ea naha le ea sechaba e fumanoang ho basali le beng ba khoebo ba banyenyane haeba u tseba hore na u shebahala hokae.
Lena ke lenane la mekhatlo e fanang ka likokoana-hloko-tse ka tlase ho $ 50,000-ho basali, lihlopha tse nyenyane le likhoebo tse nyenyane. Ho eletsoa hore lithibelo tse ling li sebetse, haholo-holo tse fokolang sebakeng se itseng. Hape ho molemo ho hlahloba mokhatlo o hlophisitsoeng ka kotloloho ho etsa bonnete ba hore o fumana boitsebiso bo ntlafalitsoeng ka seo ba se fang.
01 Kiva
Kiva e thehiloeng San Francisco ke mokhatlo oa machaba o se nang phaello o qalileng ka 2005 o reretsoeng ho fokotsa bofutsana ka ho hokahanya batho ka ho sebelisa li-microlending. Lichelete li etsoa ka bongata, 'me bafani ba lichelete ba fana ka menehelo e nyenyane joaloka $ 25 ho ba alimang.
Likokoana-hloko tsa Kiva li ka sebelisoa ho qala kapa ho hōlisa khoebo le bakeng sa mesebetsi e meng. Batho ba alimang ba khutlisetsa ba alimang chelete ka Kiva, 'me ba alimang chelete ba ka etsa qeto ea hore na ba tla khutlisetsa chelete ea bona ho motho ea alimanang.
02 Tsamaiso ea Khoebo ea Bonyane
US Small Business Administration (SBA) e fana ka chelete ho bafani ba mekhatlo e se nang phaello ea sechaba ba nang le phihlelo ea ho laola le ho alima chelete. Bahirimi ba sebetsa ka kotloloho le bapalami ba pele ba khethiloeng. Lichelete tsa ho fihlela ho $ 50,000 li fumaneha ho thusa likhoebo tse nyenyane ho qala le ho atolosa.
Mokotlane e mong le e mong o na le litlhoko tsa tataiso le litlhokofatso, empa li-Microloan tsa SBA ha li amohelehe ho lefella likoloto tse teng, kapa ho reka thepa ea matlo.
03 Grameen America
Mophotho oa Nobel Moputso Muhammad Yunus, mothehi oa lenane la katleho la basali ba Grameen Bank, le ileng la atleha Bangladesh, a thehile Grameen America ka 2008. Karolo ea Grameen America, basali ba futsanehile ba fumana thuto ea lichelete le tataiso ka sepheo sa ho theha mokitlane. Basali lenaneong la Grameen America ba ka fumana $ 1,500 ho qala khoebo. Ho ea ka marang-rang ea eona, Grameen e fana ka liranta tse limilione tse limilione tse likete li-microloan khoeli le khoeli.
04 ACCION USA
Mosali ea ntseng a tsamaisa bokhutšoanyane
ACCION USA ke mokhatlo o ikemetseng, o se nang phaello o fanang ka li-microloane ho fihlela ho $ 50,000 le litšebeletso tse ling tsa lichelete ho bahoebi ba tlaase le ba tlaase, ba kenyelletsang basali le ba seng bakae ba sa khoneng ho fihlella banki ea mokitlane bakeng sa likhoebo tsa bona tse nyenyane.
ACCION e nka boikutlo ba beng ba khoebo le matla a khoebo hammoho le histori ea mokitlane ha ba fana ka likoloto. Ho phaella mananeong a mokitlane a lokiselitsoeng ho beng ba khoebo ba basali, ACCION e na le mananeo bakeng sa batho ba seng bakae, bahlabani ba ntoa, Maamerika le batho ba nang le bokooa.
05 Mokhatlo oa Loan - Ho alima mekhoa e meng bakeng sa Bahoebi ba basali ba New Mexico
Letlole la New Mexico Community Development Loan ke mokhatlo o ikemetseng, o lefelloang lekhetho o fanang ka likoloto, koetliso le khoebo ea ho buisana le bo-rakhoebo, beng ba khoebo le mekhatlo e se nang phaello ho pholletsa le naha le Navajo eohle ea sechaba.
Sena se lekanyelitsoe ho beng ba khoebo ba banyenyane ba New Mexico.
06 Wisconsin Women's Business Initiative Corporation (WBIC)
WBIC e fana ka likokoana-hloko ho fihlela ho $ 100,000 ka mananeo a ikhethang bakeng sa beng ba basali ba banyenyane. Ho phaella ho ho alima mananeo a basali ba boetse ba fana ka mananeo a thuto, li-seminara le thuso ea khoebo le lits'ebeletso tsa ho tsamaisa.
Lenaneo la mokhatlo ona le lekane le likhoebo tse nyane tse thehiloeng Wisconsin.
07 Basali ba Economic Ventures
Mokhatlo ona o fana ka litefello tse nyenyane tsa khoebo ho likhoebo tse nang le basali ho Santa Barbara le Ventura County California. Lichelete bakeng sa ho qala li qala ho tloha ho $ 1,000 ho ea ho $ 25,000. Lichelete tsa ho atolosa khoebo li fumaneha ho basali ba neng ba le khoebong bonyane lilemo tse 1.5 ka likoloto tse tsoang ho $ 5,000 ho ea ho $ 50,000.
08 Elizabeth Street Capital
Elizabeth Street Capital ke mokhatlo oa Tory Burch Foundation le Bank of America, e fanang ka boipheliso ba likoloto tse theko e tlaase ho bahoebi ba basali le bahoebi ba bang metseng e sa sireletsoeng.
09 Key Bank
Esita le nakong ea mathata, bonyane banka e le 'ngoe e phunyeletse basali bakeng sa khoebo. Key Bank e na le tlaleho ea nako e telele ea mananeo a ho alima baromuoa ebile e sebetsa ho etsa bonnete ba hore e thusa basali ba khoebo hore ba qale, ba hōle le ho boloka likhoebo tsa bona li sebetsa, esita le nakong ea ho fokotseha moruong.