Indima Ewujuqu Yokuhola KukaHulumeni Emakethe Aneziyaluyalu

Amabhizinisi amancane nanamabhizinisi amancane amelela injini esebenzayo yezomnotho eziningi zikahulumeni. Asebenzisa izisebenzi zendawo, ama-ankile e-Main Street, futhi afunza amaketanga axhumanisa izifundazwe nezimakethe zomhlaba. Kodwa ama-SME asebenza ngemigqa emincane, engangeni enhloko-nkulu, futhi angaziqondi kakhulu ekushintsheni kokuziphatha kwabathengi kunabezinkampani. Uma kuvela ukushayeka kwezomnotho, la mabhizinisi abhekene nosongo olusheshayo lokusinda. Ababusi bakahulumeni basebenza njengomgqeqeqeba wokuqala wezokuvikela. Ukusebenzisa igunya lemali, ukulawula ukulawula umphakathi, kanye nokulawula izikhungo, ababusi bangasebenzisa imithombo yezentengo kanye nezimiso ezisekela i-SME pacessssssssssssss provicesssssssssssssssssssssssssssss.

Ukushintsha kwezomnotho kwalesi sikhathi esidlule kuye kwahlola leli khono njengakuqala. Kusukela ekuphazamisekeni kwemishayabhuqe kuya ekunikezeni amabhodlela alandelanayo kanye namanani enzalo anyukayo, izikhulu zikahulumeni ziye zaphoqeleka ukuba zidlulele ngalé kwezibonelo zezentuthuko yezezomnotho ezingokwesiko. Ababusi abaphumelela kakhulu baye bakha izimiso zokusekela okubanzi okudinga ukubhekana noketshezi olusheshayo ngesikhathi esifanayo beqhuba intuthuko yemisebenzi ethatha isikhathi eside, izakhiwo zesakhiwo, nezindawo zokudayisa emakethe.

Ukuwohloka Kwezomnotho Kwezinzwa Necala Lokungenela Okuqhubekayo

Ukuqonda ukuthi kungani ama-SMEs edinga ukusekelwa ngokuqondile kumphathi wezwe kuqala ngokuvuma ukubola kwawo. Ngokwe- SBA Ihhovisi le-Advocation, amabhizinisi amancane asebenzisa cishe ingxenye yakho yonke izisebenzi zeqembu langasese kodwa ngokuvamile asebenza ngezinsuku ezimbalwa kuphela zezinqolobane zemali. Uma ukushayeka kwezomnotho kugadla, izindleko ezimisiwe njengenkokhelo, ukukhokha, nokuhlelwa kwemishwa. Nokho, i-volution inganyamalala ngokushesha uma amakhasi esebenzisa imali eqinile noma uma umugqa wokuthelisa.

Abalawuli banikezwa isikhundla esikhethekile sokusabela ngoba ohulumeni bezwe balawula indawo elawulwayo nesebenza kuyo lamabhizinisi. Umbuso ungalungisa izinhlelo zentela, ukucosha izinguquko, noma ukumisa uhlelo lokuboleka imali emasontweni kunezinyanga. Lokhu kungokuthile okuvamile okuntuleka kwezinhlelo zikahulumeni. I-National Guvernals Association iye yagcizelela ukuthi amasu ezomnotho angcono kakhulu uma zihlanganisa ukubhoboza ngokushesha ngokutshala izimali ezisebenzayo nobuchwepheshe.

Ama - smet angowokuqala ukuba azizwe entengantenga kwezomnotho futhi owokugcina ukuba alulame ngaphandle kokusekelwa umholi kahulumeni.

Ibhokisi Lezikhali Zezomnotho Lombusi: Igunya, Amandla Athuthukisayo, Nombono Ohlelekile

Ikhono lombusi lokusekela ama-SME lixhomeke ezinhlotsheni ezintathu ezihlukene zegunya. Ngazinye zinendima ekusabeleni okuphuthumayo nasekukhuleni isikhathi eside.

Igunya Lokusebenzisa Imali Nemali

Abalawuli baveza futhi banikeze izimali zikahulumeni ezihlela izinkulungwane zezigidi zemali esetshenziswa ngokuqondiswe ekusebenziseni izinhlelo zosizo ezincane zebhizinisi, ukusebenzisa izimali zokuboleka imali, noma ukumisa izisekelo zokukhokha izikweletu ezikhuthaza ukutshala imali yomuntu siqu ezimakethe ezigciniwe. ISSBCI) ishaye amashayelo kahulumeni aphethe inhloko - dolobha ngezinhlelo zikahulumeni, iyisibonelo esiyinhloko segunya lokusebenzisa imali ekhokhwameni lokukhokha intela ukuze kwandiswe ukungenela inhloko - dolobha nokuboleka amabhange ezindaweni ezivamile ezivame ukunganakwa.

Izimiso Zokuqondisa Nezinduna Eziqondisayo

Phakathi nezikhathi zoshintsho olusheshayo lwezomnotho, isivinini sibalulekile kunezimiso eziphelele. Abaphathi banganikeza iziyalo eziphetheyo zokukhipha izindleko zokuhlinza, ukumisa izijeziso zokulawula ezidinga ukuvuselelwa kwesikhathi, noma ukulungisa izimfuneko zomshuwalense wokungatholi umsebenzi kubaqashi abancane. Le misebenzi inikeza usizo ngokushesha futhi inciphisa umthwalo wokuphatha kubanikazi bebhizinisi abazama ukuqinisa imisebenzi yabo.

Amandla Aqhubekayo Esikhulu Sikahulumeni

Ngaphandle kwegunya elingokomthetho, ababusi bayayala ukunakwa. Bangahlanganisa izigebengu namabhange omphakathi, abacwaningi baseyunivesithi, nabaholi bezimboni ukuze baqaphele amabhodlela nemifantu yokuklama. Lelikhono lokuhlanganisa abaphethe ababosheli abahlukene ngaphansi kwecebo elifanayo lezomnotho lingelinye lamathuluzi anamandla kakhulu atholakalayo kumphathi wezwe. Kunciphisa ukwethembana futhi kunciphisa ukungezwani okuvame ukunciphisa ukubambisana komphakathi.

Imithombo Yezimali: Inhloko - dolobha Eqondile, Iminikelo Ehlelekile, Nentela

Lapho ama - SME ebhekene nenhlekelele ewuketshezi, ukufinyelela inhloko - dolobha kuba inqubo eshintshashintshayo ehlukanisayo phakathi kokusinda nokuvalwa.

Isimiso Semali Nezikweletu Ezivela Embusweni Kahulumeni

I-odoli isebenzisa izinhlelo ezihlukahlukene zokubolekisa nokuthuthukisa izikweleti eziklanyelwe ukugcwalisa izikhala ezishiywe amabhange ezentengiselwano. Ilawulwa ngezinhlangano zezentengiselwano zezentengiselwano zikahulumeni noma ngeziphathimandla zezezimali zikahulumeni, lezinhlelo zinikeza inzuzo engaphansi kwenzalo, izinombolo zokukhokha ezithatha isikhathi eside, nezimfuneko zokukhokha ezifanelana namabhizinisi amancane. [UMnyango]] Owezentengiselwano lwe SSBCI unikeze izigidi zezigidi ukuba zinqume ngokukhethekile ngenxa yalenjongo, usekela yonke into evela kumamicrollan ethengisa asemaphandleni ukuze kuqhutshe izakhiwo. Izikhulu zidlala indima ebucayi ekuklameni lezinhlelo ezikhethekile ukuze zifanele izikhala zenhloko yenkampane yezwe esifunda esifundayo.

Izinyathelo Zokuqala Ezihloselwe Amahlelo Anemibono Ehlukahlukene

Akuwona wonke amabhizinisi adinga izikweleti. Kulabo abacindezelekile kakhulu noma labo abasebenza ngezingxenye eziphansi ezisezingxenyeni ezinjengokungenisa izihambi, ezokuvakasha, noma izitolo, banikeza ukusekela okunenzuzo ngaphandle kokwenezela umthwalo ongokwezimali. Ohulumeni baye basebenzisa kokubili izimali zikahulumeni kanye nokwehla kwamaRandi kahulumeni ukuze benze izinhlelo ezinikeza izinhlelo ezizimele. Lezi zikhokhelo ziye zahlanganisa izindleko kusukela ekuthuthukiseni intuthuko namandla awengeziwe kuya ekuqeqesheni umsebenzi kanye nasekuthuthukiseni ubuchwepheshe banamuhla. Izinhlelo eziphumelelayo zilula ukusebenzisa futhi zidilize ngokushesha, zinciphisa umthwalo wokuphatha kumnini webhizinisi.

Ukukhokha Intela Njengethuluzi Lokuzinza

Inkambiso yentela iyindlela eqondile yokuthonya ukukhokha imali. Kubhekisa ekukhokheni intela ehholo lenkampani, ekukhokheleni izijeziso zemali egciniwe, nasekuthuthukiseni imijikelezo egciniwe phakathi nezimo eziphuthumayo zezomnotho ezimenyezelwe, ibuyisela imali ezandleni zabaphathi bebhizinisi. Amasu athatha isikhathi eside ahlanganisa ukukhokhwa kwentela kwabaqeshi abaqeshwa, ukutshala imishini, noma ukwenza ukucwaninga nokuthuthukisa. Laba bathengwa banciphisa izindleko eziphumelelayo zokukhula kwezentengiselwano ezincane futhi bakhuthaza ukuziphatha okuhambisana nemigomo yezomnotho ebanzi kahulumeni.

Ukwakha Indawo Eqondisayo Yebhizinisi Elincane

Ukulungisa kudingekile ukuze kuqinisekiswe ukuphepha komphakathi, izimakethe ezilungile, kanye nokuvikela indawo ezungezile.

Ukuvuselelwa Kwemisebe Nokuvunyelwa Okunemisebe

Izimfuneko zokugunyaza impatho ziyahluka kakhulu ngokwesifundazwe. I-SMEs esebenza ezingxenyeni zikahulumeni noma eqasha izisebenzi ezikude ezivela kwezinye izifundazwe, lokhu kungafani kwakha imithwalo yokulalela. Ohulumeni abafuna ukuqashelwa kwemvume yendawo yonke benza kube lula ngamabhizinisi ukuthola italente futhi andise isisekelo samakhasi abo. Ngokufanayo, ukuhlanganisa izinqubo zokwakha, ukudayisa, noma ukuthenga ukudla kunciphisa isikhathi futhi kubiza imali edingekayo ukuze kuvulwe noma kwandiswe ibhizinisi.

Ukusingatha Izindleko Zomshuwalense Wokuswela Umsebenzi

Ukudilizwa okungalindelekile phakathi nokuwohloka kwezomnotho kungabangela ukwanda kwentela yomshuwalense wezemisebenzi kubaqashi abancane. Lokhu kwanda kufikela ngesikhathi esingafanele, ukukhipha imali engasetshenziselwa ukugcina izisebenzi noma imisebenzi ejikelezayo. Ohulumeni bangasebenza neminyango yezisebenzi zikahulumeni ukuze basebenzise izinqubo zokusakaza intela ye-UI ezinwetshwayo ezinkathini ezinde noma badedele abaqashi abancane ekulungiseni isilinganiso senani elingokomnotho phakathi nezimo ezimisiwe. Lokhu kunciphisa izindleko zezomnotho futhi kunciphisa ukuncintisana nokungasebenzi.

Usizo Olusekelayo Nemithombo Ekodwa

Abanikazi bamabhizinisi abancane abavamile ukunikezela amaqembu angokomthetho noma alalelayo. Uma imithetho ishintsha ngokushesha, bayazama ukuhambisana. Ababusi abaningi baye bamisa amahhovisi amancane osizo ebhizinisi noma amasiteshi e-intanethi ahlanganisa ukwaziswa okulawulayo, anikeze uhlu lokulandelana, futhi anikeze abaqondisi bezobuchwepheshe ukuba bakwazi ukufinyelela ngokuqondile. Lezi zinkonzo zinciphisa ingozi yokungathathi mithetho futhi zivumela abanikazi ukuba bagxile emsebenzini kunokuba bafake izicelo.

Ukwakha Ukululama Kwezigwegwe Ezinde Ngosizo Lwemali Oluhlelekile

Ababusi abaphumelelayo badlula ukulawulwa kwezinkinga. Basebenzisa izikhathi zoshintsho lwezomnotho ukuze baqhubele phambili ngentuthuko yokwakha eqinisa ukuncintisana kweSisekelo sombuso wabo esikhathini eside. Brookings Institution’s Metropolitan Policy Programme[ baye bafaka ubufakazi bokuthi ukuvezwa kwemali okungokombuso ekwakhekeni kwezinto eziphilayo, intuthuko yomsebenzi, kanye nesisekelo semisebenzi kudala izimo zokukhula okuqhubekayo kwezentengiselwano eqhubekayo phakathi kwezebhizinisi.

Ukuthuthuka Kwezisebenzi Nokuzigcina Uzikhumbula

Ukuthola izisebenzi ezinekhono njalo kuyinselele ephambili ekhonjwa abanikazi bamabhizinisi abancane. Abalawuli bakhuluma ngalokhu ngezinhlelo zokufundisa, ama-apligin phakathi kwamakholiji omphakathi nama-omkhakha wemboni, kanye nezisusa zokuqeqeshelwa umsebenzi. Uma umbusi ehlela izimali zokuqeqesha izisebenzi kanye nezidingo ezikhethekile ze-SMEs, ukubuya kokutshala imali kunezinga eliphindwe kabili: amabhizinisi azuza ithalentala adinga ukukhula, nezisebenzi zithola iziteshi zemisebenzi eziphezulu.

Izinqubo Zobuchwepheshe Nendlela Yokutholwa Kwabo

I-Intanethi ye-trandbad convement iye yaba yisidingo semisebenzi yezebhizinisi emincane njengogesi noma ukufinyelela emgwaqweni. Kodwa izindawo eziningi zasemaphandleni nezingagcinwanga zingenakwethenjwa, zingenamdlandla omkhulu. Ohulumeni abahlela ukunwetshwa kwezentengiselwano zomphakathi ngokufaka izimali zomphakathi kanye nokubambisana komphakathi kwenza ama-SME kulezindawo ukuba ahlanganyele ngokugcwele kwezentengiselwano zezentengiselwano. Ukuqongelela izisekelo zemisebenzi yobuchwepheshe yokwamukela izingane ezisiza amabhizinisi amancane asebenzise i-commerce, ukulanda afu, kanye nokuthengisa ngemishini yezobuchwepheshe.

Sebenzela Ikhambi Lendawo Nokuthuthukisa Ukuhweba Ngezwe

Lo mqedazwe wadalula ukungenwa kweziketanga zempahla ezikhulisiwe emhlabeni wonke. Ukuphendula, ababusi abambalwa basungula izinyathelo zokuqinisa ukusekela izimali ngokuxhumanisa abathengi benkampani nezindawo ezincane ezihamba phambili. Le zinhlelo zinciphisa izikhathi eziphambili, zinciphisa izindleko zokuthutha, futhi zigcine inani elikhudlwana lezomnotho kuhulumeni. Ngesikhathi esifanayo, amahhovisi ezwe ahwebelana anikeza usizo oluthunyelwa kwamanye amazwe olusiza abathengi ukuba bandise izisekelo zabo ngaphezu kwezentengiselwano zasekhaya, ukungenisa inzuzo entengo ngokwanda kwemali eyandayo futhi kunciphe izindleko zezomnotho zendawo.

Ithonya Langempela Lezwe: Ukuhlola Icala Ekusekeleni Kwegubernator

Izibonelo eziwusizo zibonisa indlela amathuluzi okuhola kahulumeni asho ngayo imiphumela emabhizinisini amancane.

Ukuhlola Indaba 1: Ukusekela Ubuqotho Ngenethi Ye - MEP

Phakathi nokuntuleka okuncane kwezegesi kwamashumi amabili namashumi amabili namashumi amabili22, abenzi abancane nabaphakathi kwemishini yokuthutha izimoto babhekana nenhlekelele enkulu. Esinye isifundazwe saseMidestern samisa imishini yaso yeManufactitating Interlineship (MEP) ulwembu lwayo ukuze isize le SMEs zibone amanye amathuba okukhiqizwa kwemishini yezezokwelapha, imishini yezokwelapha, nokuthola isivikelo. Umbusi waqondisa ukuxhasa ukuxhaswa kwezimali kombuso okwengeziwe esikhungweni se-MEP, ukuze kwandise iqembu lakhe lonjiniyela. Laba onjiniyela basebenza ngokuqondile ngemishini emisha ye-tool ukuze baphinde bakhiqize imigqa emisha ne-crijini entsha. Ezinyangeni eziyisishiyagalombili, abenzi abancane abangaphezu kwengamashumi ayisithupha ayisithupha, ukuzuza izimali eziningi ezidlula isikhungo sabo esiphambili.

Ukuhlolwa Kwecala 2: Ukuvuselela Umgwaqo Omkhulu Nezimali Ze - ARPA NeziGrandi ZaseFaçade

Esifundazweni sasenyakatho-mpumalanga yedolobha elinezigodi zezentengiselwano ezingokomlando, umbusi wasungula uhlelo lweMain Street Revitation Grant esebenzisa ukunikeza iziphakamiso zezwe kanye nezimali zokululama zikahulumeni. Loluhlelo lwanikeza imali elinganayo efinyelela kumaRandi ayizinkulungwane ezingamashumi ayisithupha emabhizinisini amancane okwakha intuthuko, impumelelo yamandla ethuthukiswa, nokushintshwa kokusebenza. Ngaphandle kwentuthuko engokomzimba, uhlelo ludinga ukuba abanikeziwe ukuba bahlanganyele ekuhleleni inqubo yobuchwepheshe ehlanganisa ukuphatha imali, ukuthengisa amanani, nokuhlela ukulandelana kwezentengozo zebhizinisi. Inhlanganisela yokutshala izimali nemfundo yezebhizinisi yaphumela ekwandizeni ekwandisweni kwezinyawo, emazingeni empahla, namananini ebhizinisini ebhizinisini okungalingani namanani okusindayo emiphakathini emiphakathini ezindaweni ezingomakhelwane ngaphandle kwezinhlelo ezinjalo.

Ukutadisha Icala 3: Ukwandisa Ukuthola Imali Etholakala Emaphandleni Ngemali Ebanzi

Umbusi othile wasemaphandleni asemaphandleni asentshonalanga wangenisa indawo ebanzi ebaluleke kakhulu ekwakheni kwabo intuthuko yezomnotho. Kunokuba agxile ekungeneni kwezindawo zokuhlala, ihhovisi elibanzi elisenkabeni yezwe elihloselwe ngokukhethekile izindawo zamabhizinisi, amapaki emboni, nezikhungo zokulungisa izitshalo. Isinyathelo esihlanganisa amakhulukhulu eSMEs ngaphambili ezingathunyelwanga ku-inthanetha yomphakathi, eziwasiza ukuba athole amafu asekelwe ezimisweni zezentengiselwano, ahlanganyele ezindaweni zezwelonke ze-etercec, angene ezimbonini zezemisebenzi yezemisebenzi yezemisebenzi yezemisebenzi yezemisebenzi. Uhlelo lwahlanganisa nokuqeqeshelwa kwemilithi ezindaweni eziphakathi kwezindawo ezintathu, izinganiso eziphakathi kwesilinganiso nesilinganiso sezwe, ukuboniswa komsebenzi we-telebhusayithi ye-com.

Indima Eshintshayo Yokuhola KukaHulumeni Ekulondolozeni Izomnotho

Imithwalo yemfanelo yababusi bezwe ekusekeleni i-SMEs iye yanda unomphela. I-CMCIR yeminyaka eminingana edlule iye yacacisa ukuthi amabhizinisi amancane angeshiywe emabhizinisini phakathi nokwehla kwezomnotho futhi alindele ukubuya ngaphandle kokungenela kwenkuthalo okunamandla, okuhlakaniphile. Ohulumeni baye baba abaklami abayinhloko bezimiso ezisekela amabhizinisi asesilinganisweni esiphezulu, ukuhlanganisa ukuncintisana okusheshayo okuthatha isikhathi eside.

Ababusi abaphumelela kulendima banezici eziningana. Balondoloza ubuhlobo obuseduze namaqembu abo ezomnotho athuthukisa izwe kanye nezinhlangano zezimali ezikhonza amabhizinisi amancane. Baqonda ukuhlelwa kwengxenye kwezomnotho zikahulumeni wabo futhi basekela ngokuhambelana.

Izinhlelo ze-Federal ziyohlale zifeza indima ekuphazamisekeni okukhulu kwezomnotho, kodwa ulwazi olusheshayo nolwendawo lukahulumeni wombuso ngeke luthathe indawo. Ababusi abaphumelela kakhulu babheka noma isiphi isikhathi sezomnotho njengethuba lokuqinisa isisekelo somphakathi omncane wezebhizinisi kahulumeni. Bathatha isinyathelo esiqinile, bagxila ekubulaweni, futhi balinganisa impumelelo ngokusinda nokukhula kwemisebenzi esebenzisa amaqembu abo.