Mwini malonda aliyense wongoŵerengedwa amadziŵa kuvutikira kukhazikitsa ndalama zoyenerera ku likulu, mapangano, ndi kuchirikiza anthu. Koma chimodzi cha ziŵiya zamphamvu kwambiri zothandizira kulinganiza malo oseŵera amanyalanyazidwa kaŵirikaŵiri: kubala kwa mtundu. Kutenga nawo ntchito yoŵerengerako sikuli kokha ntchito ya boma . Ndi chosankha chapadera chimene chingatsegule mipata ya kupereka ndalama, kusonkhezera malamulo, ndi kukula kwa nthaŵi yaitali. Pamene makampani ochepa apereka molongosoka chidziŵitso chawo, iwo amathandiza kupanga mapu a zachuma amene amapatsa boma ndalama, ngongole zamalonda, ndi maprogramu a kupititsa patsogolo kwa anthu omwe amafunikira kwambiri. Nkhaniyi ikufufuza mapindu aakulu a kuŵerengera anthu ndi kupereka chitsogozo chothandiza kupeza.

Chifukwa Chake Kudziŵa Kuŵerengera Kuli Kovuta Kupeza Anthu Ochepa

Bungwe la Census Bureau la United States likuchititsa kuŵerengera kochuluka kwa anthu ndi mabizinesi zaka 10 zilizonse pa kuŵerengera kwa zaka 10 zilizonse, komanso kufufuza kopitirizabe konga American Community Survey (ACS) ndi Economic Censues. Nkhani zimenezi zimakhazikitsa maziko a ndalama zimene anthu onse ndi anthu a m’makampani awo okha angapeze. Mabizinesi olembedwa ndi anthu ochepa, amene akuonekera m’magawo ameneŵa n’ngofunika chifukwa mabungwe a boma, maziko, ndi makampani amadalira pa mfundo zimenezi kuti adziwe madera osungidwa ndi kuchirikiza.

Ziŵerengero za anthu zimakhudza ndalama zoposa $1.5 biliyoni za boma zowonongedwa chaka chilichonse, malinga ndi Census Bureau yeniyeniyo. Programu zonga za Community Development Block Grant, Small Business Administration ya 7 (a) programu ya kukongola kwa ndalama, ndi njira zosiyanasiyana zachuma za mlingo wapamwamba zonsezo zimagwiritsira ntchito ziŵerengero za anthu kutsimikizira kuyenerera ndi kuchirikiza ndalama. Popanda kuimira molondola, anthu ochepa amalephera kuinyalanyaza ndi kutsatsa malonda.

Kuwonjezerapo, kuŵerengera kwa anthu kumathandiza kufotokoza bwino lomwe za ntchito yachuma imene makampani ongolimidwa ochepa achita. Mu 2020, chiŵerengero cha mabizinesi a anthu ochepa ku United States chinafika pa 8 miliyoni, komabe iwo akuyang'anizanabe ndi zopinga zosakulirapo kuti awonjezere. Mwa kutenga nawo mbali m'kaundula, mabizinesi ameneŵa amathandiza kujambula bwino kwambiri za mavuto awo a zachuma, zimene zimachititsanso kuti ntchito za maprogramu ofuna chithandizo zikhale zolondola. Werengani zambiri ponena za mmene malonda a bungwe la CVELEC a bizinesi pa [FT:0] nkhani yawo ya boma pa .

Kupereka Ndalama ndi Kupereka Mwaŵi

Chidziŵitso cholondola ndi pulogalamu ya kampani ya Small Business Administration 88 (a) Programu ya Unduna wa Unduna wa Zamalonda, yomwe imathandiza makampani a zachuma ndi achuma kupikisana ndi mapangano a boma, imadalira kwambiri pa mfundo za thirakiti kuti atsimikizire kuti anthu ndi oyenerera. Mofananamo, bungwe la Community Development Finity Institutions (CDFY) limagwiritsa ntchito ndalama zolembera anthu kuti apeze ndalama zobwereketsa ndalama zawo ku makampani otsika ndi olandira ndalama zochepa.

Mabungwe a zachinsinsi a kampani apezanso ndalama zoŵerengera anthu ku makampani a anthu ochepa. Bungwe la Minority Business Development Agency (MBDA) limapatsa ngakhale programu ya ntchito yabizinesi yomwe imagwiritsira ntchito ziŵerengero za anthu kudziŵikitsa madera ambiri ndi makampani ochepa. Pamene makampani salabadira kuŵerenga, maderawo sawoneka kwa osonkhetsa ndalama. Kutengamo mbali kwa bizinesi imodzi kungasinthe chidziŵitso chonse cha m’deralo, chimene kenaka chingatsegule chuma cha mabizinesi onse m’deralo. Ichi ndicho chifukwa chake mabizinesi onse achitapo kanthu.

Ndiponso, chidziŵitso cholondola chimathandiza makampani opangidwa ndi anthu ochepa kuyenerera mabizinesi a microloans ndi kukhululukira ngongole panthaŵi ya mavuto a zachuma. Mliri wa CHOVAD , Pacheck Program (PP) poyamba anadalira pa chidziŵitso chakale cha kuŵerenga anthu kuti apeze, kusiya makampani ambiri ongodzipereka. Chokumana nachocho chimasonyeza kufunika kwa ndalama zofikira nthaŵi yapadera ndi ziŵerengero zosaŵerengeka. Mumathandiza kutsimikizira kuti ndalama zamwadzidzidzi zifikire kwa ofunikira. Ngati mutamira kwambiri, onani programu ya kukwera kwa ndalama, onani [FLT:] SBA’7 (a) pulogalamu ya ngongole.

Kusintha Lamulo la Kukula kwa Malonda Oyenera

Zigamulo za malamulo pa mlingo uliwonse wa boma zimasonkhezeredwa ndi chidziŵitso cha anthu ndi zachuma. Kuchokera ku malamulo akumalo ndi zisonkhezero za boma za msonkho, mawu a eni mabizinesi ang'onoang'ono amawonjezereka pamene ziŵerengero zawo zilembedwa molondola. Pamene chidziŵitso cha kuŵerenga chisonyeza chiŵerengero chomakulakula cha anthu a malonda ochepa m’chigawo, opanga malamulo ali othekera kwambiri kupereka zikalata zochirikiza malonda aang'ono a a a kampani ya ogulitsa ndalama, kuchepetsa ndalama zogulitsira ndalama, kapena kukhazikitsa malamulo osiyanasiyana ogulitsa.

Nkhani za kuŵerengera zimakhudzanso kupangidwa ndi kuthandizidwa kwa mabungwe monga Minority Business Development Agency (MBDA) yomwe imathandiza ndi kukafika ku likulu. MBDA imagwiritsa ntchito mfundo za anthu posankha kumene angapeze malo atsopano a malonda, kutsimikizira kuti madera apamwamba alandira chithandizo chachindunji. Popanda kugwiritsa ntchito ndalama zambiri, anthu ochepa sangapeze zofunika zothandiza mabizinesi.

Ndiponso, kuŵerengera kwa anthu kumakhudza mmene malamulo amayendera. Mwachitsanzo, kupambana kwa programu ya kungokongola ya bizinesi ya mzinda kumayesedwa mwa kuyerekezera chidziŵitso cha anthu osoŵa pa mlingo wa kupulumuka kwa bizinesi. Ngati makampani a anthu ochepa aŵerengedwa, chiyambukiro cha programuyo chingaoneke chochepa kwambiri kuposa mmene chililidi, kuchititsa kuti ndalama zichepe m’zaka zotsatira. Mwa kutengamo mbali, eni mabizinesi amathandiza kutsimikizira kuti zotsatira zenizeni za malamulo ochirikiza malamulo ochirikiza. Kuchuluka kwa mabizinesi otsa ntchito ya kalembera, chezerani [[FT: 0] Urban Institute ya kupenda [[FL:1]

Mmene Mabizinesi Aang’ono Amapindulira ndi Kuimira Kolondola

Kuŵerengedwa kuli sitepe loyamba la kupeza kuwoneka. Makampani ambiri opangidwa ndi anthu ochepa amalimbana ndi kusoŵa chuma m'zachuma chakumaloko, kumene kungachepetse kukhoza kwawo kukopa makasitomala, matalente, ndi antchito anzawo. Kuŵerengera kumathandizira kutsimikizira kulemera kwa zachuma kwa anthu ochepa a malonda. Pamene chitaganya chingatchule ziŵerengero zosonyeza kuti mabizinesi a anthu ochepa amathandiza anthu mamiliyoni ambiri kupeza ndalama ndi kuchirikiza ntchito, kumapanga mlandu wa malonda ndi kulowa m’dziko.

Kupeza Anthu Ambiri Ogwirizana ndi Boma

Federal, boma, ndi maboma akuno onse pamodzi amawononga madola mabiliyoni ambiri chaka chilichonse pa katundu ndi mautumiki. Mbali yaikulu ya ndalama zimenezi imaikidwa pambali pa mabizinesi aang'ono ndi osoŵa kupyolera mwa maprogramu onga ngati 8 ya SBA (a) pulogalamu ya HUBZUNE ndi pulogalamu ya HUBSONE. Kulephera kwa maprogramu ameneŵa kaŵirikaŵiri kumadalira pa chiŵerengero cha mwini bizinesi ndi mikhalidwe ya zachuma ya deralo, zimene zonsezo zimagamulidwa ndi chidziŵitso cha . Mwachitsanzo, bizinesi yokhala m'dziko la kampani lakale (HUBONE) iyenera kukhala m'thiti ya kalembera anthu amene amapeza ndalama kapena malo aulo.

Mwa kutengamo mbali m'kaundula, eni mabizinesi amatsimikizira kuti malo awo akugawidwa kukhala HUBZONE kapena kuti ma Hubzone atsopano angadziŵidwe. Ndiponso, kuŵerengera kolondola kwa anthu kumathandiza kusunga umphumphu wa malembo a mabizinesi ang'onoang'ono olembedwa kale ndi ogwiritsidwa ntchito. Popanda zolemba za masiku ano, magawo ameneŵa akhoza kukhala achikale, okhoza kulepheretsa mabizinesi ovomerezeka kupata mipata. Phunzirani zambiri za HuBZONE pa [FT: 0] HUBLONE .

Kupanga Zosankha Zabwino za Malonda

Amalonda a Savvy amadziŵa kuti chidziŵitso chimayendetsa chipambano. Ziŵerengero za [1] Makamaka kuchokera ku American Community Survey ndi Census . Zimapatsa chidziŵitso chochuluka ponena za chiŵerengero cha anthu a kumaloko, mlingo wa ndalama, kugwiritsa ntchito njira, ndi kupezeka kwa antchito. Makampani aang'ono angagwiritsire ntchito chidziŵitso chimenechi kupanga zosankha za kumene angapeze masitolo, zinthu zimene angapereke, ndi mautumiki a mtengo. Mwachitsanzo, mwini wa lesitilanti m'dera la anthu ambiri angapende za kuŵerengera kwa anthu kuti adziŵe bwino zinthu zoyendera ndandanda ya nyukiliya yodalira pa ndalama zapanyumbayo.

Ndiponso, oikizira ndi okongoletsa amafuna kwambiri chidziŵitso cha anthu monga mbali ya khama lawo lofunikira. Amalonda amene angatchule mfundo zosonyeza kuti malonda ake akukula ndi kuti chuma chikukhazikika kwambiri kuti apeze ndalama. Mwa kutenga nawo mbali m'kaundula, mabizinesi ochepa amathandiza kukonza madaya a makompyuta komanso kuwongolera kulondola kwa zipangizo zimene amadalira. Anthu amene akufunafuna kumira m'makompyuta, A Centicas Bureaunia amapereka chida chaulere chotchedwa [[FL: 0] pa The Map for Economic Development [[FFF: 1]] amene amathandiza kupenda ntchito ndi njira zojambula. Tafufuzapo za . Onani kuti pa [[FL:2]

Kugonjetsa Zopinga Zoŵerengera Anthu

Ngakhale kuti pali mapindu oonekeratu, makampani ambiri olembedwa ndi ochepera safuna kutenga nawo mbali pa kuŵerenga. Zoletsa zambiri ndizo kuopa kugwiritsa ntchito bwino makompyuta, kulephera kulankhula zinenero, kusazindikira zinthu, ndi nkhaŵa zachinsinsi. Komanso, anthu ena amalonda akuda nkhaŵa kuti kupereka zinthu kungawonjezere msonkho kapena kuyang'anitsitsa. N’kofunika kwambiri kuthetsa nkhaŵa zimenezi ndi kupereka chitsimikizo chakuti kuŵerengerako kuli bwino, n’kwachinsinsi, ndiponso kopindulitsa.

Kukulitsa Kukhulupirirana ndi Kumvetsetsa Zitetezero za Mseri

Bungwe la Census Bureau limagwira ntchito pansi pa mutu 13 wa Lamulo la United States, limene limaletsa kuvumbulidwa kwa chidziŵitso chilichonse chodziŵika kwa zaka 72. Izi zikutanthauza kuti mayankhidwe a munthu sangakhale ndi mabungwe ena a boma, malamulo, kapena akuluakulu a msonkho. Bureau imagwiritsiranso ntchito boma la kumasulira mawu aluso ndi malamulo a chitetezo kuteteza chidziŵitso. Makampani, zimenezi zikutanthauza kuti kutenga nawo ntchito ya kalembera sikuwavumbula kuti alembetse kapena asungitsenso boma. Kwenikweni, ma bureau sangagawagawanenso ndi IRS kapena SBA mpaka zaka makumi angapo pambuyo pake, ndipo kenaka ndi mafashoni ya .

Komabe, kukhulupirirana kudakali kovuta, makamaka m'midzi imene inaposedwa. Kuti igonjetse zimenezi, bungwe la Census Bureau likugwirizana ndi mabungwe odalirika a chitaganya, zipinda za malonda, ndi makampani ang'onoang'ono kufalitsa chidziŵitso cholondola. Mabizinesi angatsimikizirenso webusaiti ya anthu yalamulo (cens.gov) ndi kufunafuna maemvulopu kapena maemail a boma. Kusimba ntchito iliyonse yokayikira kumateteza chitaganya. Makampani a bureau''''''''''''''''''''''''''''''''nathandizanso kuti atsimikize kwambiri.

Kulankhula ndi Kufalitsa Nkhani za Chinenero ndi Zofufuzira

Kalembera wa anthu akupezeka m’zinenero 13, ndipo kampani ya ubongo imapereka malangizo othandiza m’zinenero zambiri. Kwa anthu amene ali ndi vutoli, njirayi ingamalizidwe ndi foni potumiza mauthenga kapena posindikiza mabuku. Ilo la pa Intaneti linapangidwa kuti likhale losavuta kupezeka, ndi kugwiritsa ntchito pulogalamu yofanana ndi foni. Makampani ang'onoang’ono amene amathandiza anthu osakhala a Chingelezi ayenera kulimbikitsa antchito awo ndi makasitomala awo kuti azilankhula chinenero chimene amachidziwa bwino.

Komanso, bungwe la Census Bureau limapereka zinthu zosiyanasiyana zopitira, kuphatikizapo mavidiyo, zithunzi za mawu, ndi mfundo za m’zinenero zambiri. Mabuku amenewa amafotokoza kufunika kowerenga bizinesi iliyonse. Anthu amene ali ndi bizinesi osatsimikizira, maofesi a Census kaŵirikaŵiri amasunga malo ochitirako makampani ndiponso makampani ogulitsa makampani a anthu ochepa. Kutenga nawo mbali m’zochitika zimenezi kungachititse kuti ntchitoyi ikhale yolimba ndi kuchirikiza mwachindunji.

Njira Imodzi Imene Ingakuthandizeni Kutenga Nawo Mbali m’Kuŵerengera

Kukhala ndi phande m’kuŵerengerako nkomvekera bwino, koma kumafunikira kupenda tsatanetsatane kutsimikizira kuti chidziŵitsocho chisonyezadi ntchito yanu. Pano pali chitsogozo chothandiza kaamba ka mabizinesi osakhala a anthu ambiri.

  1. Kudziŵikitsa mafomu olondola. Mabizinesi ambiri adzalandira magazini a anthu m'positi kuchokera ku Census Bureau. Ngati mugwiritsira ntchito keyala ya panyumba, mungalandire fomu ya panyumba mmalo mwake. Pa Economic Censureal, mungalandire kufufuza kwapadera kwa bizinesi. Nthaŵi zonse amatsimikizira kuti wotumizayo ndi census.
  2. Chidziŵitso chofunika kwambiri. Khalani ndi Nambala Yanu ya Wolemba Ntchito Identification (EIN), ndalama zimene mumalandira pachaka, chiŵerengero cha antchito, ndi keyala ya bizinesi yokonzeka. Kusankha kwa anthu ochepa, khalani okonzeka kusonyeza kuchuluka kwa anthu amene ali ndi ntchitoyo.
  3. Sankhani njira yanu yoyankhira. Mungathe kudzaza fomuyo pa Intaneti, ndi makalata, kapena pafoni. Intaneti ndi yaubwenzi wa Mulungu ndipo imasunga kupita patsogolo kwanu. Nambala ya foni ya makampani ndi 1-354-71.
  4. Ndizo zolondola ndi zokwanira. Musayerekezere ngati mungathe kupeza manambala enieni. Zolembedwa zolondola zimatsimikizira kuti mudzi wanu umalandira ndalama zolondola. Ngati simukudziŵa bwino funso, gwiritsani ntchito malongosoledwe a chithandizo kapena wini ndandanda ya chithandizo cha Census Bureau.
  5. Vezeni asanapereke. Kawiri pendeni kuti manambala onse ngolondola. Zolemba zosalungama zingasunge ziŵerengero za kumaloko ndi kukhudza malo oikiziridwa. Akaperekedwa, chidziŵitsocho n’chachinsinsi.
  6. Kuŵerengera kwa masiku kusanakwane. Kuŵerengera kwa masiku kumatha mu August chaka cha kuŵerenga, koma Economic Census ili ndi madeti osiyana. Onani tsiku lenileni la kufufuza kwanu.

Kuti apeze chitsogozo chowonjezereka, Census Bureau imapereka pulogalamu ya pa Intaneti ya mabizinesi pa cens.gov /chuma-census .

Chiyambukiro Chanthaŵi Yaitali cha Kutengamo Mbali m’Kuŵerenga

Mapindu a kutenga nawo ntchito ya kalemberayo amaposa pa kuchuluka kwa ndalama. Mkupita kwanthaŵi, chidziŵitso cholondola chimathandiza kukulitsa zigawo zamphamvu ndi zolimba. Pamene mabizinesi a anthu ochepa aŵerengedwa, olinganiza za kupita patsogolo kwa chuma angapange maprogramu amene amasamalira zosoŵa zenizeni za ana . Kusintha kumeneku kumachititsa kuti zinthu zikhale zabwino: mabizinesi ambiri, amene amapanga ntchito ndi kuwonjezera ndalama zimene amawononga kumaloko.

Ndiponso, chidziŵitso cha kuŵerenga anthu chimagwiritsiridwa ntchito kujambulanso madera a ndale zadziko ndi kugaŵira mipando m’Nyumba ya Oimira. Pamene madera ochepa aŵerengedwa, iwo amataya mbali za ndale zadziko, zimene zingatsogolere ku malamulo amene amanyalanyaza zosoŵa zawo. Mwa kutengamo mbali, eni mabizinesi amathandiza kutsimikizira kuti malo awo okhalako ali ndi malo okhala pamene malamulo okhudza mabizinesi aang’ono alembedwa.

Pomalizira, kuŵerengera anthu kwamphamvu kumawonjezera kudalirika kwa makampani ongopeka kwa anthu ochepa kwa obwereketsa ndalama, osungitsa ndalama, ndi makampani akuluakulu. Mabungwe onga Walmart, Toyota, ndi Bank of America apanga maprogramu osiyanasiyana amene amafunafuna makampani a anthu ochepa okhala ndi chidziŵitso chotsimikizirika. Pamene bizinesi ingasonyeze kuti ili mbali ya zinthu zamalonda zapamwamba, imakhala bwenzi lokongola kwambiri. Mwa njirayi, kutenga nawo kalembera sikuli kamodzi chabe ka ka kachitidwe ka . Iko ndiko kugulitsa malonda apamwamba a anthu ochepa ndi anthu amene amagwira ntchito.

Kumaliza

Kutenga mbali m'kuŵerengera anthu ndi limodzi la masitepe aakulu kwambiri. Mwini bizinesi wongoloŵa m’gulu la anthu angatenge njira zotetezera chuma, kusonkhezera, ndi kuyendetsa anthu. Mwa kupereka chidziŵitso cholongosoka, mumathandiza kupanga maziko okopa a mabizinesi amene amakopa ndalama, kuwonjezera mwayi wopezera zinthu, ndi kutsimikizira kuti mabizinesi alionse amene amatenga mbali yake amathandiza kuti dziko likhale lolungama komanso kuti likhale lotukuka kwambiri. Njirayi ndi yosavuta, yachinsinsi, ndipo imachirikizidwa ndi zinenero zambiri ndi mautumiki aubwino. Musapepuse mphamvu ya kuyankha kwanu.