Muridzi webhizimisi mumwe nomumwe anongova muduku anoziva kurwisa kwokuwana magariro akanaka, zvibvumirano, uye tsigiro yenzanga. Asi chimwe chezvishandiso zvine simba zvikurusa zvokuderedza nzvimbo yokutamba chinowanzofuratirwa: kuverenga vanhu kwerudzi. Kubatanidzwa mukuverengwa kwavanhu hakusi basawo rehurumende, ibasa rebhizimisi rinoitirwa vanhu vakawanda rinogona kuvhura mikana yokutsigira mari, pesvedzero yemitemo, uye kukura kwenguva refu. Apo mabhizimisi mashoma anoshuma zvakarurama mashoko awo, anobatsira kugadzira mapu yezve mari inobhadhara, zvikwereti zvikwereti zviduku zvebhizimisi, uye mapurogiramu okubudirira munzanga anozvida zvikuru. Nyaya inoongorora mibayiro chaiyo yokuwana.

Chikonzero Nei Kuziva Zvenhamba Kuchinetsa Kubatsira Vaduku

Dare reCensus reU.S. rinoronga kuverengwa kwavagari vemo namabhizimisi kwakafara makore 10 ari ose kupfurikidza nokuverengwa kwavanhu kwegore negore, pamwe chete nenzvero dzinopfuurira dzakadai seAmerican Community Survey (ACS) uye Economic Censues. Iyi rondedzero inogadza mavambo ezvitsama zvemari nokuda kwezvose zviri zviviri mabhizimisi avose uye avanhu. Mabhizimisi akaumbwa namabhizimisi mashoma, anooneka muidziyo nechikonzero chokuti masangano ehurumende, nheyo, uye vatengidzi vemari vanotsamira paaya mashoko kuti vazive nzvimbo dzinoshandiswa uye vatsigire.

Nhamba dzezviverengero dzinopesvedzera mari inopfuura $1,5 mabhiriyoni US $5 (Z $1,5 000 000) mumari inoshandiswa nehurumende gore rimwe nerimwe, maererano neCensus Bureau yacho. Programu dzakadai seCommunity Development Block Grant, Small Business Administration’s 7 (a) purogiramu yechikwereti chemari, uye nhano dzemari dzakasiana--mbimbikidzo dzenzvimbo dzose dzinoshandisa nhamba dzokuverenga vanhu kuti vaone kuva vanofara uye mwero yemari. Pasina kumirira kwakarurama, nzanga shoma dzinova dzinofuratirwa uye kuderera.

Mukuwedzera, kuverengwa kwavanhu kunobetsera kutsanangura zvakajeka mubato wemari wakatangwa namafemu maduku. Muna 2020, chiverengero chamabhizimisi ane vanhu vashoma muUnited States chakasvika pa 8 000 000, bva vachiri kutarisana nemhinganidzo huru kukukura. Kupfurikidza nokutora rutivi mukuvara, aya mabhizimisi anoparira kurondedzerwa kwakarurama zvikuru kwemiuyo yawo yemari, ukowo kunosimbisa chinoitika nokuda kwepurogiramu dzebetsero. Verenga zvakawanda pamusoro pematanho ebhizimisi reCVUBB pa [FLT: 0] nhau yavo yehurumende .

Kuwana Mari Pachine Nguva uye Kupa Vari Kukwanisa

Mashoko akarurama okuverenga vanhu ndiwo anobatsira kuvhura mamiriyoni emadhora muzvikwereti uye zvikwereti zvakagadzirirwa zvakananga vanhu vashoma. Zvirongwa zvakawanda zvehurumende nehurumende zvinoshandisa mashoko okuverenga uwandu uye nzvimbo kubva pakuverenga vanhu kurondedzera mipimo yokuwana. Somuenzaniso, purogiramu yeBhazimisi reBhizimisi reShona ye8 (a) Kubudirira kwebhizimisi, inobatsira mabhizimisi okukwikwikwidzana mune zvenzanga uye mune zvemari kuti atsigire zvibvumirano zvehurumende, zvinotsamira zvikuru pamaturakiti ezvirongwa zvokuverenga vanhu kuti zvisimbise kuti nzanga ive neyamutevedzero. Nenzira yakafanana, Community Develomentmentmentmental Financial Institions (CDFY) inoshandisa mari inowana pakuwana vanhu kuti itonge kukwereta mabhizimisi avo mumishato yehurumende yakaderera uye inowanwa.

Zvivako zvehurumende zvinobatanidzawo kuverengwa kwavanhu kunzvimbo dzinobhadharwa. Minority Business Development Agency (MBDA) inopa purogiramu yeBusiness Center inoshandisa nhamba kuti ione nharaunda nemhesano huru dzemafemu maduku. Apo mabhizimisi anokundikana kuita chimwe chinhu kumuraudzo, nharaunda idzodzo dzinova dzinosaoneka kuvatsigiri vemari. Kutora rutivi kwebhizimisi rimwe kungabvisa mashoko ose omunharaunda, ayo ipapo anogona kuvhura zvitengo zvemabhizimisi ose ari munharaunda yacho.

Uyezve, mashoko akarurama anobetsera mabhizimisi anozvidzwa navakava vashomanene kukwaniriswa nokuda kwezvikwereti zviduku zvikuru uye kukanganwirwa mukati mezvinetso zvemari. Mukati medenda reCHOVAD, Pacheck Program (PPP) pakuvamba yakatsamira pamitemo yechinyakare yokuverenga vanhu kuti ipinde, kusiya mafemu mazhinji akaumbwa nevoruzhinji. Chinoitika ichocho chinosimbisa kudikanwa kwekusvika panguva ino napane nhamba inopfuura dzose. Kupfurikidza nokutora rutivi zvino, munobetsera kuva nechokwadi chokuti mari yekurumidziro yomunguva yemberi inosvika kuvagamuchiri vayo vakadikarirwa. Nokuda kwekunyudza kukuru, ona purogiramu yemabhineti, [[FLT:] SBA’s 7 (a) chikwereti chejirongeripoto yezvikwereti.[FLT]

Kuronga Miitiro Yokuwedzera Kwebhizimisi Kunoruramisira

Zvisarudzo zvemitemo pamwero uri wose wehurumende zvinosundwa namashoko echiverengero chavagari vemo nezvemari. Kuvambira pamirau yomunzvimbomo kusvikira kuzvinonyandura zvemutero zvomubatanidzwa, manzwi avaridzi vebhizimisi vashomanene anowedzerwa apo nhamba dzavo dzinonyorwa zvakarurama. Apo mashoko okuverengwa kwavanhu anoratidza chiverengero chinowedzera chevatengesi vashomanene muruwa, vagadziri vemitemo sezvingabvira zvikuru vanokarakadza zvikwereti zvinotsigira bhizimisi duku muvengi, kuderedza mitero yokubhadhara mari, kana kuti kuvamba kugovera migove yakasiana - tsaukana.

Mashoko okuverenga ane zvaanoitawo pakugadzira nokutsigira mari yemasangano akadai seManority Business Development Agency (MBDA) iyo inogovera rubatsiro rwemichina uye kukwanisa kupinda kudzimbahwe. MBDA inoshandisa mashoko okuverenga vanhu kuti ione nzvimbo itsva dzebhizimisi, ichivimbisa kuti nzvimbo dzakakwirira dzinotsigirwa zvakananga. Pasina kutsigira kwakasimba, nzanga shoma dzingashaya mitengo inodiwa kubatsira mabhizimisi.

Uyezve, kuverengwa kwavanhu kunopesvedzera mashandisirwe emiitiro. Somuenzaniso, kubudirira kwepurogiramu yebhizimisi duku reguta kunowanzoyerwa nokuenzanisa mashoko okuverenga vanhu pamwero wokupukunyuka kwebhizimisi. Kana mabhizimisi evoruzhinji achiverengwa, mugumisiro wepurogiramu ungaratidzika kuva muduku kupfuura zvayakaita chaizvoizvo, zvichitungamirira kukuderedza mari mumakore anotevera. Nokutora rutivi, vanasaimba vebhizimisi vanobatsira kuti migumisiro yechokwadi yemitemo inotsigira iratidzirwe zvakarurama. Nokuda kwezvizhinji pamusoro pokuti mashandisirwe emiitiro yemiitiro yezvokuverenga vanhu, shanyira Urban Institute yen [[[FLT:]]

Kubetserwa Kunoitwa Mabhizimisi Maduku Nemifananidzo Yakarurama

Kuverengwa inhano yokutanga kukuwana uvo. Mabhizimisi mazhinji akagadzirwa navashoma anorwisana nokusagona kuwana mari yakawanda muupfumi hwomunharaunda, uko kunogona kuganhurira mano awo okukwezva vatengi, tarenda, uye vakwanyina. Kuwana nhamba kunopa chiratidzo chokuratidza uremu hwemari hwebhizimisi duku. Apo nzanga inogona kunongedzera kunhamba dzinoratidza kuti mabhizimisi anoitwa nevoruzhinji anogovera mamiriyoni mari uye anotsigira mabasa, kunovaka chinyorwa chemari nechinhu chokutenga mari.

Kuwana Kunoitwa Nehurumende Kunowedzera

Federal, hurumende, uye nyika yose zvayo zvinopedza mabhiriyoni amadhora gore rimwe nerimwe pazvinhu namabasa. Chikamu chinokosha chendyiko iyi chinotsaurirwa nokuda kwamabhizimisi maduku naane urombo kupfurikidza nepurogiramu dzakadai se8 yeSBA (a) purogiramu yeHubhuone nerongedzero yepurogiramu dzegadziriro dzeidzi gadziriro dzinowanzotsamira pauwandu hwamuri webhizimisi namavara ezvemari enharaunda yacho ose ari maviri anosarudzwa nokuverengwa kwavanhu. Somuenzaniso, bhizimisi riri munzvimbo yebhizimisi renhau (HUBON) rinofanira kuva muturakiti rokuverenga vanhu iro rinowirirana nemari chaiyo kana kuti kushaya basa.

Kupfurikidza nokutora rutivi mukuverenga vanhu, vanasaimba vebhizimisi vanova nechokwadi chokuti nharaunda yavo yomunzvimbomo inoramba ichirangarirwa seHuBzone kana kuti kuti maHuBzone matsva anogona kuzivikanwa. Kupfuurirazve, nhamba dzakarurama dzokuverenga vanhu dzinogona kubetsera kuchengeta perero yamavara maduku akaumbwa navakarerwa nebasa. Pasina mapepa enguva ino, aya matsara anogona kuva echinyakare, anogona kusaita kuti mabhizimisi epamutemo asawanetseke pamabanza. Dzidza zvakawanda pamusoro peHuBZOne chivhone pa [FT: 0] SHABHO’S’S HE HEPAR .

Kugadziridza Zvisarudzo Zvebhizimisi Zvakarongwa

Vatengesi veSavvy vanoziva kuti mashoko anoita kuti pave nokubudirira. Zuvara dzeraunziro nenhamba dzeAmerican Community Survey neCensus(Zvemarike) zvinogovera nzwisiso huru munhamba yemari inotambirwa yomunzvimbomo, mwero yemari, mitoo yokushandisa, uye kuwanika kwamabasa. Mabhizimisi maduku anogona kushandisa iyi mashoko kuti aite zvisarudzo zvokuziva pamusoro pokuwana zvitoro, kuti ndezvipi zvokugovera, uye kuti mitengoi. Somuenzaniso, muridzi weresitorendi munzanga yezvikamu zvizhinjisaririra zvemari anganzvera mashoko okuverenga kuti aone kuzivikanwa kwemanyuro anobva pamari apamba eimba yezvinobudisa nhau mutura iroro.

Uyezve, vatengi vemari navakweretesi vanowedzera kuda mashoko echiverengero chavagari vemo sorutivi rweshingairo yavo yakafanira. Bhizimisi rinogona kududza mashoko okuverenga vanhu kuti riratidze kuti musika waro wapachinoitirwa uri kuwedzera uye mamiriro emari akagadzikana zvikuru kuchengeteka. Kupfurikidza nokutora rutivi mukuverengwa kwemari, mabhizimisi mashoma haangori bedzi kubetsera kunzvera madanga ezvokushandisa asi ane chokuita nerurano yematurusi avanotsamira paari. Nokuda kwaavo vanotsvaka kunyudza mudata, 'Centicaunic Bureaua rinopa chishandiso chapachena chinonzi paThe Mapapu yeZ, inobetsera kunzvera kushanda uye mitoo yokunyora. Cherekedzo.

Kukurira Mhinganidzo Dzokuverenga Vagoverani

Pasinei zvapo nebetsero dzakajeka, mabhizimisi akawanda akapindwa navashoma anozengurira kutora rutivi mukuverenga vanhu. Miganhu inowanzobatanidza kutya kushandiswa zvisina kufanira kwemashoko, mhinganidzo dzomutauro, kusaziva, uye itiro hanya pamusoro pezvakavanzika. Kuwedzera, vamwe vanamuzvinabhizimisi vanonetseka kuti kupa mashoko kungagona kutungamirira kukuwedzera mitero kana kuti kunzvera. Kunokosha kupedza izvi zvinonetsa uye kugovera vimbiso yokuti kuverenga kwacho hakuna ngozi, kwakavanzika, uye kunobetsera.

Kuvaka Chivimbo Nokunzwisisa Dziviriro Dzakavanzika

Dare reCensus Bureau rinoshanda pasi peTit 13 yeBumbiro reU.S., iro rinorambidza zvikuru kuziviswa kwamashoko api naapi anozivikanwa kwamakore 72. Ikoku kunoreva kuti mhinduro dzomunhu oga hadzigoni kugoveranwa namamwe masangano ehurumende, kuchengetwa kwomutemo, kana kuti zviremera zvemitero. Bureau inoshandisawo hurumende yokunyora mashoko echipameso nemitemo yokudzivirira kuti idzivirire mashoko. Mabhizimisi, izvi zvinoreva kuti kutora rutivi mukuverenga vanhu hakuapiwidzi kuti anyorese kana kuti adzorere kubuda munyika. Kutaura idi, bureau haigoni kugoverana kunyange data neIRS kana kuti SBA kusvikira makumi amakore gare gare gare, uye ipapo mufomu bedzi.

Kunyanguvezvo, chivimbo chinoramba chiri denho, zvikurukuru munzanga dzakarevererwa. Kukurira ikoku, Census Bureau dzinobatira pamwe namasangano enzanga anovimbwa, nzvimbo dzezvokutengeserana, uye masangano mashoma ebhizimisi kuparadzira mashoko akarurama. Vane mabhizimisi vanogonawo kusimbisa nzvimbo inoverengerwa vanhu yapamutemo (cens.gov) ndokutsvaka hamvuropu yehurumende kana kuti mafomu eemail. Kushuma mubato upi noupi unonyumwira kunobetsera kudzivirira nzanga. Mutezo webureau wezvo wokusasarura [[FLT: 0]] peji yekuti ]

Kukurukura Mutauro Nenhau Dzokuwanwa

Chirongwa chokuverenga vanhu chinowanika mumitauro 13, uye bureau inogovera mirayiridzo yemitauro mune dzimwe nguva dzakawanda. Kune vaya vakaremara, fomu racho rinogona kupedzwa norunhare nebasa rokutumirana kana kuti mumutauro mukuru wokudhinda. Indaneti inogadzirwa kuti isvike, nokunyora foni uye kukura kwemapepa. Mabhizimisi ane vanhu vashoma anoshanda munzanga dzisiri dzechiNgezi anofanira kukurudzira vashandi vavo nevatengi kuti vabatane nomutauro wavanoda zvikuru.

Uyezve, Census Bureau inogovera mhatsa yezvinhu zvokuwana, kubatanidza mavhidhiyo, mashoko enhau, uye mapepa eidi mumitauro yakawanda. izvi zvinyorwa zvinotsanangura ukoshi hwokuverenga bhizimisi riri rose. Kuvane vagadziri vebhizimisi vachiri vasina chokwadi, mahofisi eCensus Bureau anowanzogamuchira mashopu ezvokutengeserana emomuchani uye mahombe emota zvikurukuru nokuda kwevezvemari vashoma. Kubatanidzwa muzvinoitika izvi kunogona kuderedza muitiro wacho ndokugovera tsigiro yakananga.

Nhungamiro Nenzira Yokutora Rutivi Munhamba

Kutora rutivi mukuverenga vanhu kwakananga, asi kunoda ngwariro kuudzame kuva nechokwadi chokuti mashoko acho anoratidzira zvakarurama bhizimisi rako. Heino nhungamiro inoshanda nokuda kwamabhizimisi ane vanhu vashomanene.

  1. Kuisa paruvara rwakarurama. Mabhizimisi mazhinjisa achagamuchira pepanhau rokuverenga vanhu mutsamba kubva kuCunivation Bureau. Kana ukashandisa pamusha, ungagamuchira fomu reimba panzvimbo pezvo. Nokuda kweEconomic Censues, ungagamuchira nzvero yakaparadzana yebhizimisi. Nguva dzose inosimbisa kuti mutumi ndiye [FLT:]cens.gov[FLT]
  2. Mashoko ari madikanwa. Une Mushandirwi Wako Identification Nhamba (EIN), mari yegore negore, nhamba yavashandi, uye kero yebhizimisi yakagadzirira. Nokuda kwegadziriro yeboka duku, iva akagadzirira kuratidzira uwandu hwezviverengero zvemunhu.
  3. Sarudza nzira yako yemhinduro. Unogona kuzadza fomu paIndaneti, kupfurikidza neposi, kana kuti norunhare. Indaneti ishamwari youshandisi wozochengetedza fambiro mberi yako. Nhamba yorunhare nokuda kwenzvero dzebhizimisi ndi 1-800-354-71.
  4. projected yakarurama neyakakwana. Usafungidzira kana uchigona kuwana nhamba chaidzoidzo. Mashoko akarurama anovimbisa kuti nzanga yako inogamuchira mari yakarurama. Kana usina chokwadi pamusoro pomubvunzo, shandisa zvinyorwa zvebetsero kana kuti ridza miraza yebetsero yeCensus Bureau.
  5. View usati wapa. Kaviri kunzvera kuti nhamba dzose dzakarurama. Mashoko asina kururama anogona kuisa nhamba dzomunzvimbomo ndokutapura migove yemabutiro. Kana angopiwa, mashoko acho akavanzika.
  6. Nhamba isati yasvika nguva. Kuverengwa kwavanhu kwegore negore ravanhu kunoguma muna August, asi Economic Census ine nguva dzakasiana. Nzvera musi wakananga wenzvero yako.

Nokuda kwenhungamiro yokuwedzera, Census Bureau inogovera paIndaneti shopu yemabhizimisi pa cens.gov/census yemari.

Tapuro Yenguva Refu Yokuverengwa Kwenhamba

Betsero dzokuita kuti vanhu vaverengerwe dzinopfuura zvikuru kukurumidza kupiwa mari. Nokufamba kwenguva, mashoko akarurama anobatsira kuvaka nzanga dzakasimba, dzinotsunga. Apo mabhizimisi ane vanhu vashoma anenge averengwa zvizere, varongi vezvemari vanogona kuronga mapurogiramu anobatsira kugadzirisa zvinodiwa pakutarisirwa kwevana. Zvakadai sokukwanisa kutarisirwa kwevana, zvokufambisa, uye kushambadzira. Kuvandudza uku kunoita kuti pave nerunako: zvivako zvinokwezva bhizimisi, izvo zvinoparirawo mabasa uye kuwedzera mari inoshandiswa munzvimbo iyoyo.

Kupfuurirazve, mashoko okuverenga vanhu anoshandiswa kukweverazve maruwa ezvamatongerwe enyika uye zvigaro zvokugovera muImba yaVamiririri. apo nzanga shoma dzinoverengwa, dzinorasikirwa nomugariro wezvematongerwe enyika, uko kunogona kutungamirira kumitemo inofuratira zvinodikanwa zvavo. Kupfurikidza nokutora rutivi, vanasandisiti vanobetsera kuva nechokwadi chokuti nharaunda dzavo dzine nzvimbo yokugara patafura apo mitemo inotapura mabhizimisi maduku inonyorwa.

Pakupedzisira, kuverenga vanhu kwakasimba kunowedzera kuvimbika kwose kwamabhizimisi akaumbwa nevoruzhinji mumeso avakweretesi, varonzesi, uye masangano makuru. Makambani akadai seWalmart, Toyota, uye Bank yeAmerica akagovera mapurogiramu emhatsa ayo anotsvaka nokushingaira mafemu ezvirongwa zvemitengo miduku ane mashoko akasimbiswa. Apo bhizimisi rinogona kuratidza kuti rutivi rwezvinhu zvebhizimisi zvinobudirira zvikuru, zvinova mubiyazvo zvinokwezva zvikuru. Munzira iyi, kutora rutivi kwechitsamatura hakusi chete chiito chenguva imwe chete, chakadai sokupfumisa bhizimisi renguva refu ravari vemo vemari vashomanene nenzanga vanoshanda.

mhedziso

Kutora rutivi mukuverenga vanhu ndiimwe yenhano dzinotapura zvikurusa muridzi webhizimisi muduku anogona kutora kuchengetedza pfuma, muitiro wepesvedzero, uye kufambiswa kwemakambani. Kupfurikidza nokugovera mashoko akarurama, unobetsera kugadzira fandesheni inokwezva mari, inokudza mikana, uye inovimbisa kumira zvakanaka. Mabhizimisi ose anotora rutivi anogona kuparira nzvimbo yezvemari yakaisvonaka neyakabudirira zvikuru. Muitiro wacho wakapfava, wakavanzika, uye unotsigirwa nomutauro mukuru namabasa okuwana mashoko. Usarerutsa simba remhinduro yako.