Umnini-bhizinisi ngamunye oneziqu ezimbalwa uyaziwa umzabalazo wokuthola inhloko - dolobha, izivumelwano, kanye nokusekela komphakathi. Kodwa elinye lamathuluzi anamandla kakhulu okuhlela indawo yokudlala alinakwa: ukubalwa kwabantu ngokwesizwe. Ukuhlanganyela ekubaleni akuwona nje umsebenzi wesizwe kuphela, kuyisinqumo esiphambili esingavula amathuba okuthola imali, ithonya lenkambiso, nokukhula kwesikhathi eside. Uma amabhizinisi amancane afaka imininingwane yawo ngokunembile, asiza ekusunguleni ibala lezomnotho eliphoqa izimali, izimali ezibolelwa ibhizinisi elincane, nezinhlelo zokuthuthukisa umphakathi ezizidinga kakhulu. Lesi sihloko sihlola izinzuzo ezicingisisayo zokuhlanganyela komphakathi futhi sinikeza umqondisi osebenzayo ekutholeni inzuzo.

Okwenza Ukubhala Izinombolo Kube Yisici Esibucayi Sabancane

I-Census Bureau yase-U.S. iqhuba izibalo ezibanzi zenani labantu namabhizinisi njalo ngemva kweminyaka eyishumi ngenxa yokubalwa kwabantu okungahlali minyaka yonke, kanye nokuhlola okuqhubekayo njenge-American Community Survey (ACS) kanye ne-Economic Censues. Le mininingwane imisa isisekelo semali eqoqwayo ezindaweni zomphakathi nezizimele. Emabhizinisini azimele, avezwa kulemibalo ibalulekile ngoba izinhlangano zikahulumeni, izisekelo, kanye nezimboni zithembele kulokhu kwaziswa ukuze zibone izindawo ezigciniwe futhi zisekele abantu.

Imininingwane yobalo ithonya imali engaphezu kuka-R2,5 zigidi zezigidi zezigidi zezigidi zemali echithwa uhulumeni unyaka ngamunye, ngokwe-Census Bureau ngokwayo. Izinhlelo ezinjenge-Community Development Development Block Grant, i-Small Business Administration’s 7 (a) uhlelo lokuboleka imali, kanye nezinyathelo zentuthuko zezomnotho ezihlukene zesilinganiso sombuso zonke zisebenzisa amanani abantu ukuze kubonwe ukuthi bamukeleke futhi baxhaswe izimali. Ngaphandle kokukhomba okunembile, izinhlangano ezimbalwa zisengozini yokuzishaya indiva futhi zikhubazeke.

Ngaphezu kwalokho, ukubala abantu kusiza ukuba kuboniswe ngokucacile umsebenzi wezomnotho owenziwa yizimboni eziyiziqu ezimbalwa. Ngo-2020, inani lamabhizinisi aneziqu ezimbalwa e-United States lafinyelela ngaphezu kwezigidi eziyi-8, kodwa zisabhekene nezithiyo ezinkulu kakhulu ekukhuleni. Ngokuhlanganyela ekubaleni, lamabhizinisi afaka iqhaza eqondene nemiphumela yawo engokomnotho, okuthi kamuva kuqinise isimo sezinhlelo zosizo. Funda okwengeziwe ngokuthi ibhizinisi le-Censubeautab Bureauiau isebenza kanjani [[FLT: 0] indaba yawo engokomthetho .

Ukuvula Imali Nezindlela Zokunikeza Imali

Ukwaziswa okunembile kokubala abantu kuyisihluthulelo sokuthola izigidi zamaRandi ezikhokhelwayo nezibolekiswayo eziklanyelwe ngokukhethekile abezentengiselwano abambalwa. Izinhlelo eziningi zikahulumeni nombuso zisebenzisa ukwaziswa okungokwenani labantu kanye nendawo ukuchaza izimpawu zokungalingani. Ngokwesibonelo, uhlelo lwe-Small Business Administrations lwezentengiselwano zebhizinisi, olusiza amabhizinisi ampofu ukuba ancintisane ngezivumelwano zikahulumeni, luxhomeke kakhulu emininingwaneni yemininingwane yokubala abantu. Ngokufanayo, i-Community Development Finance Institions (CDFre) inzuzo yokubala abantu ukuze ibambe ukuboleka kwabo ezindaweni eziphansi nezingenisa imali etholakalayo.

Izisekelo zokuthola ukwaziswa kokubalwa kwabantu ezisezikhundleni zomuntu siqu zinikeza amabhizinisi anezinkokhelo ezize zifakwe emabhizinisini azimele. I-Minority Business Development Agency (MBDA) inikeza ngisho nohlelo lwezokubalwa kwabantu olusebenzisa izibalo ezibonisa izindawo ngenani eliphakeme lefemu ezingokwabantu abambalwa. Uma amabhizinisi ehluleka ukusabela ekubaleni, lezozindawo azibonakali kubaxhasi abaxhasi. Ukuhlanganyela kwebhizinisi elilodwa kungasusa yonke imininingwane yemininingwane yemininingwane yezokwaziswa yasendaweni, khona - ke ingavula imithombo yemali kuwo wonke amabhizinisi asendaweni.

Ngaphezu kwalokho, ukwaziswa okuqondile kusiza amabhizinisi aneziqu ezimbalwa ukuba afaneleke ama-microloans kanye nemali ebolekwayo ethethelelwayo phakathi nezinkinga zezomnotho. Phakathi nobhadane lwe-COVID-19, i-Paycheck Program (PPP) ekuqaleni ithembele ekwazini okuphelelwe isikhathi ukubala abantu ukuba bajongise ekuphumeni, ishiye izimboni eziningi ezizimele ezingemuva. Lokho okuhlangenwe nakho kugcizelela isidingo sokufinyelela ku-a phambili futhi kuqhubeke namanani. Ngokuhlanganyela manje, usiza ekuqinisekiseni ukuthi izimali eziphuthumayo zifinyelela abazamukela abazo zifunwa. Ukuze unyuke kakhulu, bheka [[FLT:] uhlelo lwemali efinyele kakhulu, bheka [FLT:] SBA’s 7 (a) khrae).[FLD]

Ukulawula Ukwanda Kwebhizinisi Elingenakulinganiswa

Izinqumo zezemithetho kuzo zonke izinga lohulumeni zishukunyiswa ukwaziswa okuphathelene nenani labantu kanye nezomnotho. Kusukela ekuhleleni intela yasendaweni kuya ezifisweni zikahulumeni, amazwi abanikazi bamabhizinisi abambalwa akhula lapho amanani abo ebhalwa ngokunembile. Lapho ukwaziswa kokubala inani elikhulayo labathengisi abambalwa esifundeni, abenzi bomthetho basengozini kakhulu yokuveza izikweletu ezisekela amabhizinisi amancane abaxhasi bentela, ukunciphisa izindleko zokukhokha intela, noma ukusungula izivumelwano zokuthengisela izinhlobonhlobo zezimali.

Ukwaziswa kobalo kuthinta futhi ukusungulwa nokuxhaswa kwezinhlangano ezinjenge-Minority Business Development Agency (MBDA) enikeza usizo lwezobuchwepheshe nokungena enhloko - dolobha. I-MBDA isebenzisa ukwaziswa kokubala abantu ukuze ithole indawo entsha yamabhizinisi, iqinisekisa ukuthi izindawo eziphakeme zithola ukusekelwa okuqondile. Ngaphandle kokuhlanganyela okuqinile, imiphakathi embalwa ingase intule izakhiwo ezidingekayo ukuze isize amabhizinisi aphakeme.

Ngaphezu kwalokho, ukubalwa kwabantu kuthinta indlela izimiso ezihlolwa ngayo. Ngokwesibonelo, ukuphumelela kwesimiso sebhizinisi elincane elibolekwayo edolobheni ngokuvamile kulinganiswa ngokuqhathanisa imininingwane yokubalwa kwabantu emazingeni okusinda kwebhizinisi. Uma amabhizinisi enani eliphansi ebalwayo ebalwayo, ithonya lohlelo lingabonakala lilincane kunalo ngempela, okuholela ekuncipheni kwezimali eminyakeni eyalandelayo. Ngokuhlanganyela, abanikazi bamabhizinisi basiza ekuqinisekiseni ukuthi imiphumela yeqiniso yemithetho esekelayo iboniswa ngokunembile.

Indlela Amabhizinisi Amancane Azuza Ngayo Ekufanekisweni Okunembile

Ukubalwa kuyisinyathelo sokuqala ekutholeni ukubonakala. Amabhizinisi amaningi aneziqu ezimbalwa alwa nokungatholi mali ezomnotho zendawo, okunganciphisa ikhono lawo lokukhanga amakhasimende, italenta, kanye nabantu abasebenza nabo. Ukwaziswa kokubala kunikeza isiqinisekiso sokubonisa izinga lezomnotho lezebhizinisi elincane. Uma umphakathi ungakhomba inani labantu elibonisa ukuthi amabhizinisi ayizidlana afaka izigidi emalini futhi asekele izinkulungwane zemisebenzi, kwakha icala lokutshala imali nokufaka imali.

Ukwanda Kwendlela Yokuthola Izinkampani Zikahulumeni

Uhlelo lwe-HUBZONE nohlelo lwezinkonzo ze-Hubzone. Ukungavumelani nalezinhlelo ngokuvamile kuxhomeke emananini amanani ayizigidi zezigidi zamaRandi omninibhizinisi kanye nezinkonzo unyaka ngamunye. Ingxenye ephawulekayo yalokhu kusetshenziswa ibekelwe amabhizinisi amancane nampofu ngezinhlelo ezifana ne-SBA’s 8 (a) nohlelo lwe-HUBZONE. Inzuzo yale zinhlelo ixhomeke emalini enikezwa umnini bhizinisi ongaphansi kwezesayensi yezesayensi (HUBON) ethola imali ethile noma izinhlu zezomnotho zendawo, kokubili ezinqunywe ngokubalwa ukwaziswa. Ngokwesibonelo, ibhizinisi elisembonini yebhizinisi engokweSiko (HUBEyone) kumelwe libe sethiyodwa ehholo lomphakathi ehlangabezana nemali noma izikhawulo ezisebenzayo.

Ngokuhlanganyela ekubaleni abantu, abanikazi bebhizinisi baqinisekisa ukuthi indawo yabo ihlala ihlelwe njenge-HUBZONE noma ukuthi ama-HuBzone amasha angabonakala. Ngaphezu kwalokho, ukubalwa kwabantu okunembile kuyasiza ukugcina ubuqotho bezimpawu zebhizinisi ezincane eziqoshiwe nezikhubazekile. Ngaphandle kwemininingwane yezokugcina isikhathi, lezi zinqumo zingaphelelwa isikhathi, ezingase zibangele amabhizinisi asemthethweni angakwazi ukusungula amathuba. Funda okwengeziwe nge-HUBZONE'''''''s projected''s on [[FFOLT: 0] i-HUBBA’SCYCY [ikhasime ekhasini.

Ukuhlela Izinqumo Zebhizinisi Ezihlelekile

Osomabhizinisi be-Savvy bayazi ukuthi umniningwane uphumelela. Imininingwane ye-Cunistics . ikakhulukazi esuka kuyi-American Community Survey ne-Economics(Census) inikeza ukuqonda okucebile ngenani labantu bendawo, amazinga emali eholo, izindlela zokusebenzisa, nokusebenza. Amabhizinisi amancane angasebenzisa lo kwaziswa ukuze enze izinqumo ezinolwazi ngokuthi ikuphi okungatholakala izitolo, imikhiqizo okumelwe inikezwe, nokuthi iziphi izinkonzo zentengo. Ngokwesibonelo, umnini wesitolo endaweni ehlala abantu abaningi bangahlola ukwaziswa kokubala abantu ukuze athole izindleko ezifanele ezisekelwe emalini yomphakathi kulelo pheshana.

Ngaphezu kwalokho, abanikazi bezimali nababolekisi badinga ukwaziswa okungokwenani eliphakathi kokuzikhandla kwabo okudingekayo. Ibhizinisi elingacaphuna ukwaziswa kokubala abantu ukuze libonise ukuthi ibhizinisi lalo elihloselwe ukuchuma futhi lisesimweni esingcono kakhulu ekutholeni imali. Ngokuhlanganyela ekubaleni, amabhizinisi amancane awagcini nje ngokunikela ekuhlaziyweni kwemininingwane kodwa futhi athinta ukunemba kwamathuluzi ancike kuwo. Kulabo abafuna ukucwila emniningo, i-Centiba Bureauniaunia inikeza ithuluzi lesihle elibizwa ngokuthi [[FLT:]] nge-The Meap yezenterment esiza ekuhloleni imisebenzi kanye nezindlela zokubhala. Hhawulu lwayo. Hhawulu lwase-[FLT]

Ukunqoba Izithiyo Zokuba Nengxenye

Naphezu kwezinzuzo ezicacile, amabhizinisi amaningi ayizidlakela amanqikanqika ukuhlanganyela ekubaleni abantu. Imingcele evamile ihlanganisa ukwesaba ukusetshenziswa kabi kokwaziswa, izithiyo zolimi, ukungaqapheli nokukhathazeka ngokungabi nalwazi. Ngaphezu kwalokho, abanye abanikazi bamabhizinisi bakhathazekile ngokuthi ukunikeza ukwaziswa kungaholela ekuthengeni izintela ezengeziwe noma ukuhlolwa. Kubalulekile ukubhekana nalokhu kukhathalela ikhanda futhi kunikeze isiqinisekiso sokuthi ukubalwa kwabantu kuphephile, kuyayimfihlo, futhi kuyasiza.

Ukwakha Isivikelo Sokwethemba Nokuqonda Izindaba Zomuntu Siqu

I-Census Bureau isebenza ngaphansi kwesihloko 13 soMthetho we-U.S., owenqabela ngokuqinile ukuvezwa kwanoma yikuphi ukwaziswa okusobala iminyaka engu- 72. Lokhu kusho ukuthi ukusabela komuntu ngamunye akunakuhlanganyelwa nezinye izinhlangano zikahulumeni, ukugcinwa komthetho, noma izikhulu zentela. I-bureau futhi isebenzisa i-modentime-fiber ne-protocol ukuze ivikele ukwaziswa. Emabhizinisini, lokhu kusho ukuthi ukuhlanganyela ekubaleni abantu akuwachazi ukuba abhalise noma agunyaze ukuthunyelwa kwabantu abavela kwamanye amazwe. Eqinisweni, i-bureau ayinakuhlanganyela ngisho nemininingwane ne-IRS noma i-SBA kuze kube amashumi eminyaka kamuva, bese kuba yi-agggrade.

Noma kunjalo, ukuthembana kuhlala kuyinselele, ikakhulukazi emiphakathini eyake yabekwa indiva ngokomlando. Ukunqoba lokhu, i-Census Bureau ibambisana nezinhlangano zomphakathi ezithenjwayo, amagumbi ezentengiselwano, kanye nama-professs amancane ukuze kusakazwe ukwaziswa okuqondile. Abanikazi bangaqinisekisa futhi ngewebhusayithi yokubala abantu esemthethweni (cens.gov) futhi babheke imvilophu engokomthetho noma ifomethi ye-imeyili. Ukubika noma yimuphi umsebenzi osolekayo kuvikela umphakathi. Inqubo ye-bureauau’s projective sy [

Ukukhuluma Ulimi Nezindaba Ezitholakalayo

Ifomu yokubala ikhona ngezilimi eziyi-13, futhi i-bureau inikeza izinsizalo zolimi ngeminye imiphakathi ekhubazekile. Kulabo abakhubazekile, ifomu ingaqedwa ngocingo ngenkonzo yokuthumelana noma ngokuhlelwa ngezindlela ezinkulu zokunyathelisa. I-intanethi ye-intanethi ye-intanethi iklanyelwe ukuba ikwazi ukutholakala, ngokuhambelana kokufunda isikrini nobukhulu bombhalo wezinhlamvu. Amabhizinisi amancane asebenza emiphakathini engekhona isiNgisi kufanele akhuthaze izisebenzi namakhasimende ukuba ahlanganyele olimi abakhululekile kakhulu kulo.

Ngaphezu kwalokho, i-Census Bureau inikeza izinto ezihlukahlukene zokufinyelela, kuhlanganise namavidiyo, amaphepha ezithombe, kanye namaqiniso ngezilimi eziningi. Lezi zithako zichaza ukubaluleka kokubala ibhizinisi ngalinye. Kubaphathi bamabhizinisi abangaqiniseki, amahhovisi e-Census Bureau avame ukuthatha izindawo zokusebenzela kanye namahholo ezokuxhumana abathengisi abambalwa. Ukuhlanganyela kulezi zenzakalo kungayisusa inqubo futhi kunikeze ukusekela okuqondile.

Ukuhamba Ngenyathelo Ukuze Uhlanganyele Ekubaleni

Ukuhlanganyela ekubaleni abantu kuqondile, kodwa kudinga ukunaka imininingwane ukuqinisekisa ukuthi ukwaziswa kuveza ibhizinisi lakho ngokunembile. Nansi isiqondiso esiwusizo emabhizinisini ayizingcungcu.

  1. isho isimo esilungile. Amabhizinisi amaningi azothola iposi elibuza abantu ngeposi elivela e-Census Bureau. Uma usebenza ekhelini lasekhaya, ungathola ifomu lasekhaya esikhundleni salo. Ngeze-Economic Censuresion, ungathola ukuhlola okuhlukile kwezebhizinisi. Ngaso sonke isikhathi uqinisekisa ukuthi umthumeli ungu [FLT:]cens.gov
  2. Ukwaziswa okudingekayo. Unenombolo yomqambi wakho Identification (EIN), inzuzo yaminyaka yonke, inani lezisebenzi, nekheli lebhizinisi elilungile. Ukuhlela kwedlanzana, kulungele ukubonisa inani lobunikazi.
  3. Khetha indlela yakho yokusabela. Ungagcwalisa ifomu kulayini, ngeposi, noma ngocingo. I-panet component ingumsebenzisi futhi ilondoloze intuthuko yakho. Inombolo yocingo yokuhlolwa kwezebhizinisi ngu 1-800-354-71.
  4. I-provide enembile nephelele. Ungalinganisi uma ungathola izibalo eziqondile. Ukwaziswa okunembile kuqinisekisa ukuthi umphakathi wakini uthola imali eqondile. Uma ungaqiniseki ngenkinga, sebenzisa amacebiso osizo noma ubize intambo yosizo ye-Censues Bureau.
  5. View phambi kokunikeza. hlola kabili ukuthi zonke izinombolo zilungile. Imininingwane engalungile ingathinta izibalo zendawo futhi ithinte izibalo ezizobekwayo. Uma sezingenisiwe, ulwazi luyimfihlo.
  6. [ i-ubt ngaphambi kokuphela kwesikhathi. Ukubalwa kwabantu okungokonyaka kuvame ukuphela ngoAugust ngonyaka wokubala abantu, kodwa i-Economic Censure inezilinganiso zesikhathi ezihlukile. Hlola usuku oluqondile lokuhlola kwakho.

Ukuze uthole isiqondiso esengeziwe, i-Census Bureau inikeza i-internet ye-SCIRN yamabhizinisi e-cens.gov/census-yomnotho.

Ithonya Elihlala Njalo Lokuhlanganyela Ekubaleni

Izinzuzo zokuhlanganyela ekubaleni inani labantwana zidlulela ngalé komjikelezo osheshayo wezimali. Ngokuhamba kwesikhathi, ukwaziswa okuqondile kuyasiza ekwakheni imiphakathi eqinile, eqinile. Uma amabhizinisi anezimo ezimbalwa ebalwa ngokugcwele, abahleli bezomnotho bangaklama izinhlelo zokuhlongoza ezisingatha izidingo ezithile zezingane zokwenza ukunakekelwa kwezingane, ezokuhamba, nezokusetshenziswa komphakathi. Le ntuthuko idala umjikelezo omuhle: ithuthukisa izakhiwo, okuthi kamuva zibangele amabhizinisi athole imisebenzi futhi andise imali esetshenziswa endaweni.

Ngaphezu kwalokho, ukwaziswa kokubala kusetshenziselwa ukudweba kabusha izigodi zezombangazwe nokubeka izihlalo eGaange of the Deaders. Uma imiphakathi embalwa ingenayo ibala, ilahlekelwa izimpawu zezombangazwe, ezingaholela ezimisweni ezingazinaki izidingo zayo. Ngokuhlanganyela, abanikazi bamabhizinisi basiza ekuqinisekiseni ukuthi izindawo zabo zokuhlala zisesidlelweni lapho kubhalwa imithetho ethinta amabhizinisi amancane.

Ekugcineni, ukubalwa okukhulu kuthuthukisa ukuthembeka kwamabhizinisi asungulwe yidlanzana emehlweni abantu ababolekisayo, abatshali bezimali, nezinkampani ezinkulu. Amakhampani anjengo-Walmart, Toyota, neBank of America athenge izinhlelo zezinhlobonhlobo ezifuna ngenkuthalo izimboni ezinezinkombazo eziqinisekisiwe. Uma ibhizinisi lingabonisa ukuthi iyingxenye yezentengiselwano zezentengiselwano ezichumayo, ziba ilungu lendawo engcono kakhulu. Ngalendlela, ukuthatha i-omkhakha-yo ayiyona nje inqubo eyodwa yesikhathi esisodwa, futhi iyimfakela yemali ephambili ezindaweni ezichumayo nasemabhizinisini asemancane nezindawo abakhonza kuzo.

Isiphetho

Ukuhlanganyela ekubaleni abantu kungenye yezinyathelo eziyingozi kakhulu kumnini bhizinisi oyidlanzana angathatha ukuze avikele imithombo yemali, isimiso sethonya, nokuthuthukisa umphakathi. Ngokunikeza ukwaziswa okuqondile, usiza ekwakheni isisekelo esihehayo sezimali, ukwandisa amathuba okuthola, futhi uqinisekise ukuthi ibhizinisi ngalinye elithatha ingxenye lineqhaza emoyeni ongcono nochuma kakhulu. Inqubo ilula, iyimfihlo, futhi isekelwe ngolimi olubanzi nangemisebenzi yokuthola ulwazi. Ungawathathi kalula amandla okuphendula kwakho.