Imithombo ye-Microloans yokuQala iBusiness Canada

Ngaba Ufuna Imali Ukuqalisa Amashishini Akho Amancinci? Fumana i-Microloan

Umama omncinane obone isidingo sokuba nesitoreji sokugcina abantwana. Indoda ephuphayo yokuba neyakhe ishishini lokutya kweloli. Imimiselo emibili nje yabantu abanobuchule babo kunye neengcamango zoshishino eza kutshabalaliswa ngaphandle kwemali-mboleko yokuqalisa ukuba iinkonzo zee-microfinance zibonelela.

Sivame ukucinga ngelizwe elikhulayo xa sicinga ngemali-mali, kodwa umgaqo wokubonelela ngemali mboleko kunye neenkonzo zezemali kubantu abangenakho ukufikelela okanye ukungakwazi ukufikelela kwabo baphila kunye naseCanada, nayo-iindaba ezilungileyo kubathengisi abafuna ngemali yokuqalisa.

Ufuna Kangakanani?

Amaphesenti angamashumi amahlanu anesibhozo abanikazi bamashishini beCanada baqala nge-$ 5,000 engaphantsi, kwaye i-79% yaqalisa ishishini labo ngaphantsi kwee-20,000 zamaRandi, ngokutsho kophando lophishino eCanada ngu-Intuit Canada. (Kwaye kunye neevenkile zomntu omnye, uphando lufumene ukuba le nombolo iphakamileyo: i-77% yabika ngokuqala nge-$ 5,000.)

Kodwa loo $ 5,000 ingaba nzima njengokuba uzama ukuboleka i-$ 5 yezigidi ukuba ungumntu onetyala elibi kunye / okanye akukho nkonkco .

Ngethamsanqa, urhulumente waseCanada, iiNkonyunithi zeMatyala kunye namaqela asekuhlaleni aphuhlise iinkqubo ezinikezela ngemali-mboleko (ezincinci zemali-mboleko zingaphantsi kweedola ezingama-20,000) kubantu abaya kuba nzima ukufumana mboleko yemveli yoshishino.

Nantsi imithombo yamancinci onokukwazi ukuyifakelela ukuqala iqumrhu lakho laseKhanada elincinci:

Ngubani onika iiNkqubo zeMali-mali?

Iiprogram ezininzi zeengxowa-mali zeCanada zisekelwe kwindawo; kufuneka uhlale kwindawo ethile ukuze ufaneleke.

Hlola olu luhlu ukuba ubone ukuba yeyiphi i-microloans ekhoyo ukuqala (kwaye ngamanye amaxesha ukwandisa) ishishini apho uhlala khona.

1. Inkqubo yokuBala iMali-mboleko emangalisayo (i-Credit Unions yase-BC): inikeza abantu abahlala kwi-BC abaneminyaka engama-18 ukuya kwe-29 ubudala abanomdla osweleyo ophantsi ukuya kuma-5,000 e-$ ukuqala iqumrhu elincinci laseCanada.
2. UkuLungiswa kweMigangatho yasekuhlaleni: Ukugqitywa njengeCanada yokuqala yokwenza amanyathelo oontanga, le ntlangano engekho inzuzo, inamasebe amabini e-BC, enye eVictoria kunye ne-Okanagan. Banikezela ngemali-mboleko yokuqalisa ukuya kwii-5000 zamaRandi kunye nokuboleka kwemali-mboleko yokufikelela kwi-$ 10,000 ukuya kosomashishini abangenako ukufumana i-credit yabo abayifunayo kwi-bhanki okanye kwimanyano yemboleko. Nabani na onokuboleka imali kubafaki bezicelo zemboleko ngokuphumelelayo kwiwebhusayithi yombutho. (Okwangoku, kukho ubuncinci be-$ 500 kubaboleki.)

1. I-Microloans yoShishino lwezoGcino: i- Vancity Credit Union eVancouver, BC, inikezela ngemali-mboleko yamancinci. Injongo yale nkqubo kukunceda abalingisi bokuqalisa ukuphuhlisa amashishini aluhlaza okanye ukwenza umsebenzi wokuqalisa ubuchwepheshe obuhlaza.
2. I-Assiniboine I-Credit Union I- Microloan Programme: Inikwa ngokubambisana ne-Western Economic Diversification Canada, le nkqubo inikezela ngemali-mboleko emancinci yee-shishini ukuya kuma-35,000 angama-$ ukuqala okanye ukukhula amashishini amancinci kwindawo yaseWinnipeg.
3. I-Western Economic Diversification Canada (WD): inikeza inkqubo ye-microloan ukubonelela ngemali-mboleko emancinci kumashishini amancinci eVancouver, eVictoria, e-Edmonton, e-Regina, eSaskatoon naseWinipeg.
4. Ukufikelela kwiNgxowa-mali ye-Community Community: I-Aids ebhalisweyo, Ukufikelela kufaka ii-microloans kubantu abangenanto yokubambisa okanye imbali yengetyala abafuna ukuphucula umgangatho wabo wokuphila ngokuqalisa ishishini kwiindawo ezikuMmandla wase-Greater Toronto. Iimali zininzi zama-5,000 zamaRhafu kwixesha lokuqala lokuboleka kunye no-R10 000 kubaboleki bexesha lesibini.
5. Alterna Savings; Inkqubo yoLuntu yeMali yeMancinci: Iimboleko ezincinci zorhwebo kulabo abafuna ukuqala amashishini eToronto nakwimimandla.
6. I-Fund yase-Ottawa yoMhlala-phantsi woLuntu: Iimali ezifikelela kwii-15,000 zama-$ ukuqala okanye ukwandisa ishishini kwindawo yase-Ottawa.

1. UMbutho waseMontreal woLuntu loLuntu: Lo mbutho uluntu uhlinzeka ngemali-mboleko ye-$ 5,000 ukuya kubantu abafumana imali abaphantsi abafuna ukuqala amashishini abo kodwa abanako ukufumana iitaliti ngokusebenzisa iindlela eziqhelekileyo. Kufuneka uhlale kwiSiqithi saseMontreal ukufikelela kwinkqubo.
2. Inkqubo yoShishino loSomashishini: Urhulumente waseNew Brunswick unikela ngemali-mboleko engenamdla okufikelela kuma-3,000 ukuya kubafundi abafuna ukuqala ishishini lasehlobo. Ibhizinisi kufuneka lenze ubuncinane umsebenzi wexesha elipheleleyo lasehlobo kwaye unike umenzi wesicelo "ngamava amashishini abalulekileyo".
3. Inkqubo Yenkunzi Yophuhliso Lwemali : Nangona ingekho inkqubo ye-microloan, inkqubo yekarhulumente esebenza nge-Atlantic Canada Opportunities Agency inikeza imali-mali ukuya kuma-20,000 amawaka ukufuna abahwebi kumaphondo ase-Atlantiki (kwakunye nemali-mboleko yokwandisa okanye yokuphucula amashishini amancinci). Inkqubo yeMbewu iphinda ivumele umthengi ngamnye ukuba afinyelele ku-$ 2,000 ukuqeqeshwa kwezoshishino kunye nokubonisana (okungekho kuhlawulwa).

1. I-Greater Moncton: Ukuba uhlala kwi-Dieppe, i-Moncton ne-Riverview indawo yase-New Brunswick, faka iNkqubo yeNtloko yeMbewu apha.
2. I-Saint John John Enterprise: I- ACOA yeMbewu Capital Programme inokufikelela kwii-Saint John indawo eNew Brunswick ukuqala, ukwandisa okanye ukuphucula ishishini elincinci.
3. I-Enterprise uFredericton: isebenza ngeProgram yokuxhasa ngeMbewu yabasomashishini abasuka eFredericton, i-Oromocto kunye neNew Maryland e-New Brunswick.
4. I-Centre for Education Entrepreneurhip and Development (CEED ): Ifumaneka kumashishini aseHalfax, eDartmouth naseBedford, iNkqubo yeNtloko yeMbewu ifuna abantu abafuna ukuqala ishishini elineminyaka eyi-18 nangaphezulu-nangona abatsha-mveliso abaselula (abaneminyaka eyi-18 ukuya kwe-34) sebenzisa imali njengemali yokukhula kwemali.
5. Amathuba Amashishini Ametrosa (MBO): Ukufikelela kwinkqubo ye-SEED eNewfoundland naseLabrador, kufuneka ubekwe kwiSt. John's - iNtaba yePal Pearl.
6. KwiSt John's, kukho neCandelo loPhuhliso lwezeMveliso ye-Micro-Projekthi (MBDG) yoosomashishini abacwangcisayo, ukuqala okanye ukwandisa ishishini elincinci. Le nkqubo inika ama-microloans ukuya kuma-$ 10,000 kunye nokufikelela ekuqeqesheni, ukululekwa kwezoshishino, kunye namanethiwekhi.
7. Kick $ tart: Ukuba uneminyaka engaphantsi kwe-35, uhlala eNewfoundland naseLabrador, kwaye ungakwazi ukufumana imali oyifunayo ukuqala okanye ukwandisa ishishini lakho, unokufumana imali engama-5 000 eboleka imali. (Qaphela ukuba akudingeki ukuba ube no-18 okanye ngaphezulu ukufikelela kule nkqubo, ngokungakhathaliseki ukuba umzali okanye umgcini wakho uzimisele ukubhalisela imali mboleko ukuba uneminyaka engaphantsi kwe-18.) Ezinye iiprojekti zemali zijolise kumaqela athile kwaye ziyafumaneka abantu abafanelekayo (abaninzi) belizwe.

8. Imali-mboleko yokuFikelela kwiFund Micro Micro: Iimali-mboleko ze- IAF zingabathengisi, abaqeqeshi kunye / okanye abasebenzi abanezakhono ezivela kwamanye amazwe ukuze bafumane ilayisenisi okanye uqeqesho abayidingayo ukusebenzela kwintsimi yabo eKhanada. Iimali ezifikelela kuma-dollar ayi-10,000 zifumaneka kubafuduki abahlala eCanada (ngaphandle kwe-BC neQuebec ngexesha lokubhala).

9. Kwi-BC, abafaki-mali abangenayo imali abaye bahlangabezane neendlela zokubambisa iimali-mboleko eziqhelekileyo banokufumana ama-microloans ukuya kuma-5,000 kwi-DIVERSEcity ukuqala ishishini okanye bafumane uqeqesho okanye isatifikethi abayifunayo ukuba basebenze kwintsimi yabo eKhanada.

Akukho Mboleko Yemali Eluhlu?

Iindaba ezilungileyo zezo zonke kukuba intshukumo yenkxaso-mali iyasasazeka. Ukuba awuyi kubona nayiphi na imali mboleko ongayifaka kwiluhlu olungentla, jonga ngee-arhente zophuhliso kwezoqoqosho kunye / okanye ezentlalo kwindawo yakuloo ndawo kwaye ubuze i-Credit Union okanye i-Caisse Populaire ukuba unenkqubo enjalo. Kungenxa yokuba ibhanki ayiyi kukunika imali mboleko ayithethi imali oyifunayo ukuze uqalise iphupha lakho alifumanekanga.