{"id":17748,"date":"2022-03-11T06:21:47","date_gmt":"2022-03-11T14:21:47","guid":{"rendered":"https:\/\/www.pacificcommunityventures.org\/?p=17748"},"modified":"2022-03-11T06:21:47","modified_gmt":"2022-03-11T14:21:47","slug":"cac-to-chuc-tai-chinh-phat-trien-cong-dong-cdfi-ton-tai-de-dieu-hoa-von-voi-cong-ly","status":"publish","type":"post","link":"https:\/\/www.pacificcommunityventures.org\/vi\/2022\/03\/11\/cdfis-exist-to-align-capital-with-justice\/","title":{"rendered":"C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) t\u1ed3n t\u1ea1i \u0111\u1ec3 \u0111i\u1ec1u h\u00f2a v\u1ed1n v\u1edbi c\u00f4ng l\u00fd."},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c ch\u0103m s\u00f3c tr\u1ebb em \u2013 v\u00e0 nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a c\u00e1c ch\u1ee7 nh\u00e0 tr\u1ebb \u0111\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng, ng\u01b0\u1eddi lao \u0111\u1ed9ng trong vi\u1ec7c nh\u1eadn \u0111\u01b0\u1ee3c m\u1ee9c l\u01b0\u01a1ng v\u00e0 ph\u00fac l\u1ee3i x\u1ee9ng \u0111\u00e1ng, v\u00e0 c\u00e1c b\u1eadc ph\u1ee5 huynh \u0111i l\u00e0m ph\u1ea3i chi tr\u1ea3 chi ph\u00ed ch\u0103m s\u00f3c tr\u1ebb em m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 n\u00e0o t\u1eeb ch\u00ednh ph\u1ee7 li\u00ean bang \u2013 \u0111\u00e3 tr\u1edf th\u00e0nh v\u1ea5n \u0111\u1ec1 n\u1ed5i b\u1eadt trong hai n\u0103m qua. <a href=\"https:\/\/www.pacificcommunityventures.org\/vi\/nhung-cau-chuyen-thanh-cong\/la-plazita\/\">Tr\u01b0\u1eddng m\u1ea7m non La Plazita \u1edf Oakland<\/a> La Plazita l\u00e0 m\u1ed9t tr\u01b0\u1eddng m\u1ea7m non d\u1ea1y ti\u1ebfng T\u00e2y Ban Nha chuy\u00ean s\u00e2u th\u1ef1c s\u1ef1, n\u01a1i tr\u1ebb em h\u1ecdc ho\u1eb7c c\u1ee7ng c\u1ed1 ki\u1ebfn th\u1ee9c ti\u1ebfng T\u00e2y Ban Nha, \u0111\u1ed3ng th\u1eddi \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 cho b\u1eadc m\u1eabu gi\u00e1o. Trong nh\u1eefng n\u0103m tr\u01b0\u1edbc \u0111\u1ea1i d\u1ecbch COVID, c\u01a1 s\u1edf \u0111\u1ea7u ti\u00ean c\u1ee7a La Plazita nhanh ch\u00f3ng g\u1eb7t h\u00e1i th\u00e0nh c\u00f4ng, v\u00e0 khi \u0111\u1ebfn l\u00fac m\u1edf r\u1ed9ng sang \u0111\u1ecba \u0111i\u1ec3m th\u1ee9 hai v\u1edbi tr\u1ecdng t\u00e2m c\u1ed9ng \u0111\u1ed3ng tr\u1ef1c ti\u1ebfp h\u01a1n \u1edf Fruitvale, ch\u1ee7 s\u1edf h\u1eefu Krystell Guzman \u0111\u00e3 t\u00ecm \u0111\u1ebfn PCV \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn. Cu\u1ed1i c\u00f9ng, b\u00e0 \u0111\u00e3 m\u1edf th\u00eam hai \u0111\u1ecba \u0111i\u1ec3m n\u1eefa, tuy\u1ec3n d\u1ee5ng 38 ng\u01b0\u1eddi v\u00e0 cung c\u1ea5p c\u00e1c quy\u1ec1n l\u1ee3i v\u1ec1 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe v\u00e0 h\u01b0u tr\u00ed. Nh\u01b0ng khi \u0111\u1ea1i d\u1ecbch COVID \u1eadp \u0111\u1ebfn v\u00e0 k\u00e9o d\u00e0i, Krystell nh\u1eadn th\u1ea5y th\u00e0nh c\u00f4ng c\u1ee7a m\u00ecnh, c\u00e1c doanh nghi\u1ec7p nh\u1ecf tuy\u1ebfn \u0111\u1ea7u c\u1ea7n v\u1ed1n v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng s\u1eb5n l\u00f2ng gi\u00fap \u0111\u1ee1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f3 h\u00e0ng tr\u0103m ngh\u00ecn c\u00e2u chuy\u1ec7n nh\u01b0 c\u1ee7a Krystell, v\u00e0 t\u1ea1i Pacific Community Ventures, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) m\u00e0 t\u00f4i l\u00e3nh \u0111\u1ea1o, ch\u00fang t\u00f4i ki\u00ean quy\u1ebft kh\u00f4ng ch\u1ea5p nh\u1eadn \u0111i\u1ec1u n\u00e0y. V\u00e0o th\u00e1ng 11 n\u0103m 2021, ch\u00fang t\u00f4i \u0111\u00e3 ra m\u1eaft Qu\u1ef9 Cho vay Ph\u1ee5c h\u1ed3i Oakland \u2013 $2,5 tri\u1ec7u \u0111\u00f4 la M\u1ef9 d\u01b0\u1edbi d\u1ea1ng c\u00e1c kho\u1ea3n vay kh\u00f4ng ph\u00ed, kh\u00f4ng l\u00e3i su\u1ea5t d\u00e0nh cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf. Ch\u00fang t\u00f4i x\u00e2y d\u1ef1ng qu\u1ef9 kh\u00f4ng l\u00e3i su\u1ea5t n\u00e0y v\u00ec \u0111\u00f3 l\u00e0 \u0111i\u1ec1u m\u00e0 c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf trong c\u1ed9ng \u0111\u1ed3ng \u0111a s\u1ed1 l\u00e0 ng\u01b0\u1eddi da m\u00e0u (BIPOC) n\u00f3i v\u1edbi ch\u00fang t\u00f4i r\u1eb1ng h\u1ecd c\u1ea7n \u2013 v\u00e0 khi ra m\u1eaft, ch\u00fang t\u00f4i \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 ph\u1ea3n \u0111\u1ed1i \u0111\u00e1ng ng\u1ea1c nhi\u00ean t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ed9ng \u0111\u1ed3ng kh\u00e1c: Vi\u1ec7c th\u00e0nh l\u1eadp qu\u1ef9 n\u00e0y l\u00e0 n\u1ec1n t\u1ea3ng cho s\u1ee9 m\u1ec7nh phi th\u1ef1c d\u00e2n h\u00f3a c\u1ee7a ch\u00fang t\u00f4i. Ch\u00fang t\u00f4i nghe m\u1ed9t s\u1ed1 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ed9ng \u0111\u1ed3ng kh\u00e1c cho r\u1eb1ng \u0111i\u1ec1u n\u00e0y \u0111ang l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng, ho\u1eb7c khi\u1ebfn h\u1ecd tr\u00f4ng kh\u00f4ng t\u1ed1t. H\u1ecd g\u1ecdi nh\u1eefng ng\u01b0\u1eddi nh\u01b0 Krystell l\u00e0 \u201cnh\u1eefng t\u1ed5n th\u1ea5t c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c\u201d. Ch\u00fang t\u00f4i ki\u00ean quy\u1ebft kh\u00f4ng ch\u1ea5p nh\u1eadn nh\u1eefng t\u1ed5n th\u1ea5t c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/pacificcommunityventures.org\/wp-content\/uploads\/sites\/9\/sites\/6\/La-Plazita-1.jpg\" alt=\"La-Plazita\" class=\"wp-image-17751\"\/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Krystell \u0111\u00e3 n\u1ed9p \u0111\u01a1n xin vay v\u1ed1n t\u1eeb Qu\u1ef9 Cho vay Ph\u1ee5c h\u1ed3i Oakland v\u00e0 \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n vay v\u00e0o th\u00e1ng Gi\u00eang n\u0103m nay. C\u00f4 \u1ea5y cho bi\u1ebft d\u1ef1 \u0111\u1ecbnh s\u1eed d\u1ee5ng kho\u1ea3n vay n\u00e0y \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh c\u00f4ng ty sau m\u1ed9t n\u0103m \u0111\u1ea7y kh\u00f3 kh\u0103n, khi nhi\u1ec1u ph\u1ee5 huynh ch\u1ecdn cho con \u1edf nh\u00e0. H\u1ecd \u0111\u00e3 ph\u1ea3i \u0111\u00f3ng c\u1eeda trong 2 th\u00e1ng v\u00e0 khi m\u1edf c\u1eeda tr\u1edf l\u1ea1i, ch\u1ec9 c\u00f3 51% h\u1ecdc sinh quay l\u1ea1i ngay l\u1eadp t\u1ee9c. Gi\u1edd \u0111\u00e2y, sau khi \u0111\u00e3 ph\u1ee5c h\u1ed3i, c\u00f4 \u1ea5y cho bi\u1ebft \u0111ang s\u1eed d\u1ee5ng kho\u1ea3n vay kh\u00f4ng l\u00e3i su\u1ea5t \u201c\u0111\u1ec3 ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n c\u00e1c tr\u01b0\u1eddng h\u1ecdc, duy tr\u00ec c\u00e1c c\u00f4ng vi\u1ec7c hi\u1ec7n c\u00f3 v\u00e0 tr\u1ea3 l\u01b0\u01a1ng t\u1ed1t h\u01a1n cho nh\u00e2n vi\u00ean\u201d.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ea1i sao PCV l\u1ea1i t\u1eadp trung qu\u00e1 nhi\u1ec1u v\u00e0o c\u00e1c doanh nh\u00e2n da \u0111en, ng\u01b0\u1eddi b\u1ea3n \u0111\u1ecba, ng\u01b0\u1eddi g\u1ed1c Latinh v\u00e0 ng\u01b0\u1eddi M\u1ef9 g\u1ed1c \u00c1 trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i n\u1ebfu s\u1ee9 m\u1ec7nh c\u1ee7a ch\u00fang t\u00f4i l\u00e0 t\u1ea1o ra m\u1ed9t n\u1ec1n kinh t\u1ebf c\u00f4ng b\u1eb1ng v\u00e0 nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t, c\u00f3 ph\u1ea9m gi\u00e1 cho ng\u01b0\u1eddi lao \u0111\u1ed9ng? Ng\u01b0\u1eddi da m\u00e0u kh\u1edfi nghi\u1ec7p nhi\u1ec1u h\u01a1n b\u1ea5t k\u1ef3 ai kh\u00e1c m\u1ed7i n\u0103m, d\u1eabn \u0111\u1ea7u l\u00e0 ph\u1ee5 n\u1eef da \u0111en v\u00e0 ph\u1ee5 n\u1eef g\u1ed1c Latinh, v\u00e0 v\u00e0o n\u0103m 2021 <a href=\"https:\/\/www.latimes.com\/politics\/story\/2021-06-28\/pandemic-silver-lining-black-owned-business-startups-surge-to-25-year-high\" target=\"_blank\" rel=\"noopener\">C\u00e1c c\u1ed9ng \u0111\u1ed3ng ng\u01b0\u1eddi da m\u00e0u ch\u1ee9ng ki\u1ebfn s\u1ef1 gia t\u0103ng m\u1ea1nh nh\u1ea5t v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng doanh nghi\u1ec7p m\u1edbi.<\/a> trong nhi\u1ec1u th\u1eadp k\u1ef7. K\u1ebft h\u1ee3p \u0111i\u1ec1u \u0111\u00f3 v\u1edbi th\u1ef1c t\u1ebf l\u00e0 991% doanh nghi\u1ec7p M\u1ef9 l\u00e0 doanh nghi\u1ec7p nh\u1ecf - v\u00e0 c\u00e1c doanh nghi\u1ec7p nh\u1ecf s\u1eed d\u1ee5ng lao \u0111\u1ed9ng. <a href=\"https:\/\/smallbiztrends.com\/tag\/small-business-statistics\" target=\"_blank\" rel=\"noopener\">m\u1ed9t n\u1eeda s\u1ed1 c\u00f4ng nh\u00e2n M\u1ef9<\/a> \u2013 v\u00e0 \u0111\u00f3 ch\u00ednh l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gi\u1ea3i ph\u00f3ng t\u01b0 b\u1ea3n kh\u1ecfi \u00e1ch th\u1ed1ng tr\u1ecb: M\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng h\u01b0\u1edbng t\u1edbi c\u00f4ng l\u00fd v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0 kinh t\u1ebf<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PCV l\u00e0 m\u1ed9t trong nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i \u0111\u1ea7u ti\u00ean c\u1ee7a M\u1ef9, v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) nh\u01b0 ch\u00fang t\u00f4i \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp t\u1eeb phong tr\u00e0o D\u00e2n quy\u1ec1n \u2013 \u0111\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao ch\u00fang t\u00f4i quay tr\u1edf l\u1ea1i c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i khi kh\u1edfi \u0111\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c m\u1edbi \u0111\u1ec3 \u0111\u01b0a PCV ti\u1ebfn v\u00e0o t\u01b0\u01a1ng lai. Ch\u00fang ta \u0111\u1ecbnh ngh\u0129a \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i nh\u01b0 th\u1ebf n\u00e0o? Hai \u0111i\u1ec1u l\u00e0m cho n\u00f3 kh\u00e1c bi\u1ec7t so v\u1edbi \u0111\u1ea7u t\u01b0 truy\u1ec1n th\u1ed1ng: m\u1ee5c \u0111\u00edch \u2013 li\u1ec7u n\u00f3 c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 m\u00e0 b\u1ea1n \u0111ang mu\u1ed1n gi\u1ea3i quy\u1ebft hay kh\u00f4ng \u2013 v\u00e0 \u0111o l\u01b0\u1eddng \u2013 b\u1ea1n c\u00f3 ch\u1eafc ch\u1eafn r\u1eb1ng kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u00f3 hay kh\u00f4ng? PCV \u0111ang l\u1ed3ng gh\u00e9p \u0111i\u1ec1u n\u00e0y v\u00e0o m\u1ecdi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh. \u0110\u00f3 ch\u00ednh l\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1eb7t t\u00e1c \u0111\u1ed9ng l\u00ean h\u00e0ng \u0111\u1ea7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u01b0\u01a1ng ch\u00e2m c\u1ee7a ch\u00fang t\u00f4i l\u00e0 \u201c<strong>Phi th\u1ef1c d\u00e2n h\u00f3a, d\u00e2n ch\u1ee7 h\u00f3a, kh\u00f4i ph\u1ee5c<\/strong>\u201d\u0110i\u1ec1u \u0111\u00f3 c\u00f3 \u00fd ngh\u0129a g\u00ec \u0111\u1ed1i v\u1edbi ch\u00fang ta? <strong>Phi th\u1ef1c d\u00e2n h\u00f3a <\/strong>N\u00f3 \u0111ang ph\u00e1 v\u1ee1 nh\u1eefng ph\u01b0\u01a1ng th\u1ee9c kinh doanh m\u00e0 ch\u00fang ta th\u1eeba h\u01b0\u1edfng t\u1eeb h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng v\u00e0 \u0111\u1eb7t ng\u01b0\u1eddi da m\u00e0u v\u00e0 c\u00e1c c\u1ed9ng \u0111\u1ed3ng b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p l\u00e0m tr\u1ecdng t\u00e2m, \u0111\u00fang nh\u01b0 m\u1ee5c ti\u00eau ban \u0111\u1ea7u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) xu\u1ea5t ph\u00e1t t\u1eeb phong tr\u00e0o \u0111\u1ea5u tranh v\u00ec quy\u1ec1n d\u00e2n s\u1ef1. <strong>D\u00e2n ch\u1ee7 h\u00f3a <\/strong>Ch\u00fang t\u00f4i l\u1eafng nghe c\u00e1c doanh nh\u00e2n v\u00e0 l\u00e3nh \u0111\u1ea1o c\u1ed9ng \u0111\u1ed3ng, \u0111\u1ed3ng th\u1eddi h\u1ee3p t\u00e1c v\u1edbi h\u1ecd \u0111\u1ec3 thi\u1ebft k\u1ebf v\u00e0 \u0111\u1ed5i m\u1edbi, chia s\u1ebb quy\u1ec1n l\u1ef1c, chia s\u1ebb ngu\u1ed3n l\u1ef1c v\u00e0 x\u00e2y d\u1ef1ng c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 h\u1ecd c\u1ea7n, theo c\u00e1ch m\u00e0 h\u1ecd c\u1ea7n. <strong>Kh\u00f4i ph\u1ee5c <\/strong>\u0110\u00f3 l\u00e0 g\u1eb7p g\u1ee1 h\u1ecd \u1edf n\u01a1i h\u1ecd \u0111ang s\u1ed1ng v\u00e0 h\u00e0nh \u0111\u1ed9ng theo h\u01b0\u1edbng ph\u1ee5c h\u1ed3i, ch\u1ee9 kh\u00f4ng ph\u1ea3i b\u00f3c l\u1ed9t.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u0103m 2020, ch\u00fang t\u00f4i \u0111\u00e3 b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh m\u1edbi n\u00e0y, kh\u1edfi \u0111\u1ea7u b\u1eb1ng vi\u1ec7c t\u1ef1 nh\u00ecn nh\u1eadn b\u1ea3n th\u00e2n m\u1ed9t c\u00e1ch nghi\u00eam t\u00fac. \u0110\u1ec3 c\u00f3 th\u1ec3 ch\u1ee9ng minh b\u1eb1ng h\u00e0nh \u0111\u1ed9ng, ch\u00fang t\u00f4i ph\u1ea3i t\u1ef1 ho\u00e0n thi\u1ec7n m\u00ecnh. Ch\u00fang t\u00f4i:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Th\u00e0nh l\u1eadp m\u1ed9t \u1ee7y ban \u0111\u1ec3 \u0111\u00e0o t\u1ea1o nh\u00e2n vi\u00ean v\u1ec1 DEI (\u0110a d\u1ea1ng, C\u00f4ng b\u1eb1ng v\u00e0 H\u00f2a nh\u1eadp) v\u00e0 ch\u1ed1ng ph\u00e2n bi\u1ec7t ch\u1ee7ng t\u1ed9c, \u0111\u1ed3ng th\u1eddi x\u00e1c \u0111\u1ecbnh c\u00e1c c\u00e1ch th\u1ee9c \u0111\u1ec3 c\u1ea3i thi\u1ec7n DEI tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c l\u0129nh v\u1ef1c kinh doanh c\u1ee7a ch\u00fang t\u00f4i.<\/li><li>Ch\u00fang t\u00f4i \u0111\u00e3 tri\u1ec3n khai c\u00e1c bu\u1ed5i th\u1ea3o lu\u1eadn to\u00e0n th\u1ec3 nh\u00e2n vi\u00ean hai tu\u1ea7n m\u1ed9t l\u1ea7n do nh\u00f3m DEI \u0111i\u1ec1u ph\u1ed1i v\u1ec1 c\u00e1c ch\u1ee7 \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ph\u00e2n bi\u1ec7t ch\u1ee7ng t\u1ed9c c\u00f3 h\u1ec7 th\u1ed1ng, nh\u1eb1m th\u00fac \u0111\u1ea9y ch\u1ed1ng ph\u00e2n bi\u1ec7t ch\u1ee7ng t\u1ed9c t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i.<\/li><li>\u0110\u01b0a nh\u1eefng c\u00e2u chuy\u1ec7n c\u1ee7a ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf v\u00e0o c\u00e1c cu\u1ed9c h\u1ecdp nh\u00f3m \u0111\u1ec3 nu\u00f4i d\u01b0\u1ee1ng s\u1ef1 \u0111\u1ed3ng c\u1ea3m v\u1edbi nh\u1eefng ng\u01b0\u1eddi m\u00e0 ch\u00fang ta ph\u1ee5c v\u1ee5, v\u00e0 b\u1eaft \u0111\u1ea7u t\u1ed5 ch\u1ee9c c\u00e1c bu\u1ed5i &quot;L\u1eafng nghe \u00fd ki\u1ebfn c\u1ee7a CEO&quot; h\u00e0ng qu\u00fd b\u00ean ngo\u00e0i \u0111\u1ec3 tr\u1ef1c ti\u1ebfp l\u1eafng nghe \u00fd ki\u1ebfn t\u1eeb h\u1ecd.<\/li><li>Ch\u00fang t\u00f4i \u0111\u00e3 c\u1ea3i ti\u1ebfn quy tr\u00ecnh tuy\u1ec3n d\u1ee5ng, bao g\u1ed3m vi\u1ec7c lo\u1ea1i b\u1ecf c\u00e1c th\u00f4ng tin nh\u1eadn d\u1ea1ng (t\u00ean, tr\u00ecnh \u0111\u1ed9 h\u1ecdc v\u1ea5n, v.v.) kh\u1ecfi h\u1ed3 s\u01a1 \u1ee9ng tuy\u1ec3n, m\u1edf r\u1ed9ng ph\u1ea1m vi \u0111\u0103ng tuy\u1ec3n v\u00e0 ti\u1ebfn h\u00e0nh ph\u1ecfng v\u1ea5n ch\u1ec9 b\u1eb1ng \u00e2m thanh \u1edf giai \u0111o\u1ea1n cu\u1ed1i c\u1ee7a quy tr\u00ecnh.<\/li><li>Kh\u1edfi \u0111\u1ed9ng Ch\u01b0\u01a1ng tr\u00ecnh Ph\u00e1t tri\u1ec3n Chuy\u00ean nghi\u1ec7p, v\u1edbi c\u00e1c nh\u00f3m d\u00e0nh cho Gi\u00e1m \u0111\u1ed1c, Qu\u1ea3n l\u00fd, Chuy\u00ean vi\u00ean Ph\u00e2n t\u00edch nh\u1eb1m ch\u1ee7 \u0111\u1ed9ng x\u00e2y d\u1ef1ng th\u00eam c\u00e1c k\u1ef9 n\u0103ng v\u00e0 n\u0103ng l\u1ef1c l\u00e3nh \u0111\u1ea1o trong to\u00e0n t\u1ed5 ch\u1ee9c.<\/li><li>Ch\u00fang t\u00f4i \u0111\u00e3 thu\u00ea m\u1ed9t c\u00f4ng ty chuy\u00ean v\u1ec1 DEI (\u0110a d\u1ea1ng, C\u00f4ng b\u1eb1ng v\u00e0 H\u00f2a nh\u1eadp) \u0111\u1ec3 h\u1ed7 tr\u1ee3 vi\u1ec7c ph\u00e1t tri\u1ec3n v\u0103n h\u00f3a ch\u1ed1ng ph\u00e2n bi\u1ec7t ch\u1ee7ng t\u1ed9c, c\u00e1c ho\u1ea1t \u0111\u1ed9ng nh\u00e2n s\u1ef1 v\u00e0 \u0111\u01b0a ra c\u00e1c khuy\u1ebfn ngh\u1ecb cho t\u1ea5t c\u1ea3 c\u00e1c l\u0129nh v\u1ef1c kinh doanh c\u1ee7a ch\u00fang t\u00f4i.<\/li><li>Ch\u00fang t\u00f4i c\u0169ng b\u1ed5 sung th\u00eam 3 th\u00e0nh vi\u00ean h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb m\u1edbi, \u01b0u ti\u00ean nh\u1eefng \u1ee9ng vi\u00ean c\u00f3 kinh nghi\u1ec7m th\u1ef1c t\u1ebf v\u00e0 tr\u1ef1c ti\u1ebfp \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c doanh nh\u00e2n \u0111a d\u1ea1ng, c\u0169ng nh\u01b0 ph\u1ee5 n\u1eef da m\u00e0u trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, t\u1ea1o n\u00ean h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb \u0111a s\u1ed1 l\u00e0 ng\u01b0\u1eddi da m\u00e0u \u0111\u1ea7u ti\u00ean c\u1ee7a PCV.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c \u0111\u00e1nh gi\u00e1 danh m\u1ee5c cho vay c\u1ee7a ch\u00fang t\u00f4i trong n\u0103m \u0111\u1ea7u ti\u00ean c\u1ee7a cu\u1ed9c kh\u1ee7ng ho\u1ea3ng COVID \u0111\u00e3 khi\u1ebfn ch\u00fang t\u00f4i nh\u1eadn ra r\u1eb1ng ch\u00fang t\u00f4i \u0111\u00e3 <a href=\"https:\/\/www.pacificcommunityventures.org\/vi\/2021\/06\/08\/bao-cao-tac-dong-nam-2020-cua-pcvs-doi-voi-tinh-trang-doanh-nghiep-nho\/\">Ch\u1ec9 c\u00f3 kho\u1ea3ng 1% kho\u1ea3n l\u1ed7 \u0111\u01b0\u1ee3c x\u00f3a s\u1ed5.<\/a> (\u00edt h\u01a1n) <a href=\"https:\/\/fred.stlouisfed.org\/series\/US1LLRTL\" target=\"_blank\" rel=\"noopener\">1,3% t\u1ef7 l\u1ec7 t\u1ed5n th\u1ea5t cho vay trung b\u00ecnh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng Hoa K\u1ef3 <\/a>(n\u0103m 2020). PCV \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch th\u1ee9c tri\u1ec3n khai cho vay c\u1ee7a ch\u00fang t\u00f4i trong v\u00e0i n\u0103m qua, b\u1edfi v\u00ec c\u00e1c h\u01b0\u1edbng d\u1eabn cho vay c\u1ee7a ng\u00e2n h\u00e0ng ho\u1eb7c SBA ph\u1ea7n l\u1edbn lo\u1ea1i tr\u1eeb c\u00e1c doanh nghi\u1ec7p do ng\u01b0\u1eddi da \u0111en l\u00e0m ch\u1ee7. T\u1eeb \u0111\u00f3, ch\u00fang t\u00f4i \u0111\u00e3 l\u00e0m vi\u1ec7c \u1edf c\u1ea5p qu\u1ed1c gia \u0111\u1ec3 \u0111\u1ecbnh h\u00ecnh l\u1ea1i c\u00e1ch ch\u00fang t\u00f4i, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI), \u0111\u1ecbnh ngh\u0129a &quot;r\u1ee7i ro&quot; trong ng\u00e0nh, nh\u1eb1m \u0111\u00e1p \u1ee9ng s\u1ee9 m\u1ec7nh \u0111\u1ea7u t\u01b0 v\u00e0o nh\u1eefng ng\u01b0\u1eddi v\u00e0 nh\u1eefng n\u01a1i b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong su\u1ed1t th\u1eddi k\u1ef3 COVID, ch\u00fang t\u00f4i \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i quy m\u00f4 danh m\u1ee5c cho vay doanh nghi\u1ec7p nh\u1ecf v\u00e0 \u0111\u00e3 gi\u1ea3i ng\u00e2n h\u01a1n 761 ngh\u00ecn t\u1ef7 b\u1ea3ng Anh v\u1ed1n cho c\u00e1c doanh nh\u00e2n da m\u00e0u v\u00e0 ph\u1ee5 n\u1eef tr\u00ean kh\u1eafp ti\u1ec3u bang California, trong \u0111\u00f3 851 ngh\u00ecn t\u1ef7 b\u1ea3ng Anh \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u1ed9ng \u0111\u1ed3ng g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 kinh t\u1ebf. Hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u00fang t\u00f4i kh\u00f4ng ch\u1ec9 ch\u1ee9ng minh r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c doanh nh\u00e2n v\u00e0 c\u1ed9ng \u0111\u1ed3ng b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p trong l\u1ecbch s\u1eed m\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh. Hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i cho th\u1ea5y \u0111\u1ea7u t\u01b0 v\u00e0o nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 \u201cr\u1ee7i ro\u201d, m\u00e0 l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 \u0111\u1eb7c bi\u1ec7t \u0111\u1ec3 t\u1ea1o ra t\u0103ng tr\u01b0\u1edfng t\u00e0i ch\u00ednh \u0111\u1ed3ng th\u1eddi \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00f4ng b\u1eb1ng kinh t\u1ebf - x\u00e3 h\u1ed9i \u1edf qu\u1ed1c gia n\u00e0y.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Giai \u0111o\u1ea1n ti\u1ebfp theo trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n c\u1ee7a PCV<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hi\u1ec7n nay, qu\u00e1 \u00edt nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ed9ng \u0111\u1ed3ng \u0111ang x\u00e2y d\u1ef1ng c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 d\u1ef1a tr\u00ean nh\u1eefng g\u00ec ch\u1ee7 doanh nghi\u1ec7p th\u1ef1c s\u1ef1 c\u1ea7n v\u00e0 c\u1ea7n nh\u01b0 th\u1ebf n\u00e0o. Ch\u00fang ta c\u1ea7n n\u1eafm b\u1eaft c\u01a1 h\u1ed9i n\u00e0y \u0111\u1ec3 \u0111o\u1ea1n tuy\u1ec7t v\u1edbi qu\u00e1 kh\u1ee9 v\u00e0 t\u1ea1o ra c\u00e1c h\u1ec7 th\u1ed1ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a c\u00e1c ch\u1ee7 doanh nghi\u1ec7p da m\u00e0u \u2013 v\u00e0 \u0111\u00f3 ch\u00ednh l\u00e0 cam k\u1ebft c\u1ee7a ch\u00fang t\u00f4i khi t\u00e1i c\u1ea5u tr\u00fac t\u1ed5 ch\u1ee9c xoay quanh ngu\u1ed3n v\u1ed1n ph\u1ee5c h\u1ed3i, gi\u00fap trao quy\u1ec1n cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t \u0111\u1eb9p, c\u00f3 ph\u1ea9m gi\u00e1 trong c\u1ed9ng \u0111\u1ed3ng tr\u00ean kh\u1eafp c\u1ea3 n\u01b0\u1edbc.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-medium\"><img decoding=\"async\" src=\"https:\/\/pacificcommunityventures.org\/wp-content\/uploads\/sites\/9\/sites\/6\/PCV-New-Strategy-Graphic-600x420.png\" alt=\"\u0110\u1ed3 h\u1ecda chi\u1ebfn l\u01b0\u1ee3c m\u1edbi c\u1ee7a PCV\" class=\"wp-image-17750\"\/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf v\u00e0 h\u1ec7 th\u1ed1ng li\u00ean t\u1ee5c thay \u0111\u1ed5i, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00f4ng vi\u1ec7c c\u1ee7a ch\u00fang ta ph\u1ea3i th\u00edch \u1ee9ng v\u00e0 d\u1ef1a tr\u00ean h\u1ecdc h\u1ecfi, nghi\u00ean c\u1ee9u v\u00e0 th\u1eed nghi\u1ec7m. \u0110\u00e2y ch\u00ednh l\u00e0 vai tr\u00f2 c\u1ee7a Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t (Good Jobs Innovation Lab). Trong khi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh Cho vay v\u00e0 T\u01b0 v\u1ea5n Doanh nghi\u1ec7p Nh\u1ecf c\u1ee7a ch\u00fang t\u00f4i ti\u1ebfp t\u1ee5c k\u1ebft n\u1ed1i c\u00e1c doanh nh\u00e2n v\u1edbi chuy\u00ean m\u00f4n d\u1ec5 ti\u1ebfp c\u1eadn v\u00e0 ngu\u1ed3n v\u1ed1n ph\u1ee5c h\u1ed3i, Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t s\u1ebd thi\u1ebft l\u1eadp m\u1ed9t quy tr\u00ecnh nghi\u00ean c\u1ee9u v\u00e0 th\u1eed nghi\u1ec7m th\u01b0\u1eddng xuy\u00ean \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a ch\u00fang t\u00f4i ph\u00e1t tri\u1ec3n. <em>v\u1edbi<\/em> v\u00e0 t\u00edch c\u1ef1c <em>s\u1ef1 va ch\u1ea1m <\/em>\u0110\u00e1p \u1ee9ng nhu c\u1ea7u thay \u0111\u1ed5i c\u1ee7a c\u1ed9ng \u0111\u1ed3ng, trao quy\u1ec1n cho ng\u01b0\u1eddi lao \u0111\u1ed9ng song song v\u1edbi ch\u1ee7 doanh nghi\u1ec7p.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) hi\u1ec7n th\u1ef1c h\u00f3a nh\u1eefng \u00fd \u0111\u1ecbnh m\u00e0 c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o phong tr\u00e0o D\u00e2n quy\u1ec1n \u0111\u00e3 \u0111\u1ec1 ra nh\u1eb1m ph\u1ee5c v\u1ee5 c\u1ea3 c\u00f4ng b\u1eb1ng ch\u1ee7ng t\u1ed9c v\u00e0 kinh t\u1ebf, ch\u00fang ta kh\u00f4ng th\u1ec3 ho\u1ea1t \u0111\u1ed9ng ri\u00eang l\u1ebb. Ch\u00fang ta ph\u1ea3i h\u1ee3p t\u00e1c \u0111\u1ec3 t\u1ea1o ra s\u1ef1 thay \u0111\u1ed5i h\u1ec7 th\u1ed1ng b\u1ec1n v\u1eefng, t\u01b0 duy l\u00e3nh \u0111\u1ea1o c\u00f3 s\u1ee9c \u1ea3nh h\u01b0\u1edfng v\u00e0 ch\u00ednh s\u00e1ch mang t\u00ednh chuy\u1ec3n \u0111\u1ed5i. Trong khi c\u00f4ng vi\u1ec7c h\u00e0ng ng\u00e0y c\u1ee7a PCV t\u1eadp trung v\u00e0o c\u00e1c kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf, Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t c\u1ee7a ch\u00fang t\u00f4i n\u00e2ng t\u1ea7m c\u00f4ng vi\u1ec7c \u0111\u00f3 v\u00e0 th\u00fac \u0111\u1ea9y c\u00e1c CDFI v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng \u1edf kh\u1eafp m\u1ecdi n\u01a1i. Ch\u00fang t\u00f4i l\u00e0m vi\u1ec7c v\u1edbi v\u00e0 v\u00ec c\u1ed9ng \u0111\u1ed3ng, v\u00e0 thay \u0111\u1ed5i m\u1ecdi th\u1ee9 ch\u00fang t\u00f4i c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t b\u1eb1ng c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh, d\u1ecbch v\u1ee5 v\u00e0 tuy\u1ec3n d\u1ee5ng c\u1ee7a ch\u00ednh m\u00ecnh. Ch\u00fang t\u00f4i h\u1ee3p t\u00e1c ch\u1eb7t ch\u1ebd v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 nh\u00e0 t\u00e0i tr\u1ee3 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng v\u1ed1n v\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 \u0111\u1ebfn v\u1edbi ch\u00fang t\u00f4i theo nh\u1eefng c\u00e1ch cho ph\u00e9p ch\u00fang t\u00f4i th\u1ef1c hi\u1ec7n vi\u1ec7c ph\u1ee5c h\u1ed3i. \u0110i\u1ec1u \u0111\u00f3 ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u1ebfn m\u1ed9t m\u1ee9c \u0111\u1ed9 nh\u1ea5t \u0111\u1ecbnh. Ho\u1ea1t \u0111\u1ed9ng v\u1eadn \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i cho ph\u00e9p ch\u00fang t\u00f4i khu\u1ebfch \u0111\u1ea1i ti\u1ebfng n\u00f3i c\u1ee7a c\u00e1c doanh nh\u00e2n, ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 c\u1ed9ng \u0111\u1ed3ng m\u00e0 ch\u00ednh ph\u1ee7 v\u00e0 khu v\u1ef1c t\u01b0 nh\u00e2n \u0111\u00e3 v\u00e0 \u0111ang th\u1ea5t b\u1ea1i trong vi\u1ec7c h\u1ed7 tr\u1ee3, nh\u1eb1m t\u1ea1o ra s\u1ef1 thay \u0111\u1ed5i h\u1ec7 th\u1ed1ng r\u1ed9ng l\u1edbn h\u01a1n \u2013 \u0111\u1ec3 l\u00e0m cho lu\u1eadt ch\u01a1i c\u00f4ng b\u1eb1ng h\u01a1n, gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng h\u01a1n v\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u0103m 2022, khi ch\u00fang t\u00f4i tri\u1ec3n khai chi\u1ebfn l\u01b0\u1ee3c m\u1edbi, PCV s\u1ebd t\u1eadp trung s\u00e2u h\u01a1n v\u00e0o c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn h\u1ec7 sinh th\u00e1i do c\u1ed9ng \u0111\u1ed3ng \u0111\u1ecba ph\u01b0\u01a1ng d\u1eabn d\u1eaft v\u00e0 thi\u1ebft k\u1ebf tr\u00ean kh\u1eafp California, b\u1eaft \u0111\u1ea7u t\u1eeb qu\u00ea h\u01b0\u01a1ng Oakland c\u1ee7a ch\u00fang t\u00f4i. Ch\u00fang t\u00f4i c\u0169ng s\u1ebd h\u1ee3p t\u00e1c ch\u1eb7t ch\u1ebd h\u01a1n v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c c\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng kh\u00e1c tr\u00ean to\u00e0n qu\u1ed1c th\u00f4ng qua ch\u01b0\u01a1ng tr\u00ecnh t\u01b0 v\u1ea5n kinh doanh mi\u1ec5n ph\u00ed c\u1ee7a m\u00ecnh. Ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n c\u1ee7a ch\u00fang t\u00f4i s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi s\u1ef1 \u0111a d\u1ea1ng v\u00e0 kinh nghi\u1ec7m s\u1ed1ng c\u1ee7a c\u00e1c doanh nh\u00e2n v\u00e0 c\u1ed9ng \u0111\u1ed3ng m\u00e0 ch\u00fang t\u00f4i ph\u1ee5c v\u1ee5, \u0111\u1ed3ng th\u1eddi h\u1ed7 tr\u1ee3 c\u1ea3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng kinh doanh v\u00e0 trao quy\u1ec1n cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau gi\u00fap c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u01b0 Krystell tr\u1edf th\u00e0nh nh\u1eefng ng\u01b0\u1eddi t\u1ea1o ra s\u1ef1 thay \u0111\u1ed5i trong c\u1ed9ng \u0111\u1ed3ng c\u1ee7a h\u1ecd v\u00e0 th\u00fac \u0111\u1ea9y s\u1ef1 th\u1ecbnh v\u01b0\u1ee3ng v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0 c\u1ed9ng \u0111\u1ed3ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">H\u00e3y tham gia c\u00f9ng ch\u00fang t\u00f4i<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y tham gia c\u00f9ng ch\u00fang t\u00f4i. N\u1ebfu b\u1ea1n tin v\u00e0o m\u1ed9t n\u1ec1n kinh t\u1ebf l\u1ea5y c\u00f4ng b\u1eb1ng ch\u1ee7ng t\u1ed9c v\u00e0 kinh t\u1ebf l\u00e0m trung t\u00e2m, <a href=\"mailto:bulbul@pcvmail.org\" target=\"_blank\" rel=\"noreferrer noopener\">Li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i t\u1ea1i \u0111\u00e2y \u0111\u1ec3 t\u00e0i tr\u1ee3 cho PCV<\/a> V\u1edbi ngu\u1ed3n v\u1ed1n v\u00e0 c\u00e1c kho\u1ea3n t\u00e0i tr\u1ee3 0%-2%, ch\u00fang t\u00f4i c\u1ea7n \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c c\u1ee7a m\u00ecnh. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1... <a href=\"https:\/\/www.pacificcommunityventures.org\/vi\/small-business-services\/join-the-small-business-support-circle\/\">h\u1ee3p t\u00e1c v\u1edbi ch\u00fang t\u00f4i t\u1ea1i \u0111\u00e2y<\/a>, \u0111\u0103ng k\u00fd v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t <a href=\"https:\/\/www.pacificcommunityventures.org\/vi\/small-business-services\/mentor-small-business-owners\/\">T\u00f4i l\u00e0 c\u1ed1 v\u1ea5n kinh doanh t\u00ecnh nguy\u1ec7n.<\/a>, v\u00e0 n\u1ebfu b\u1ea1n l\u00e0 m\u1ed9t doanh nh\u00e2n \u0111ang t\u00ecm ki\u1ebfm l\u1eddi khuy\u00ean mi\u1ec5n ph\u00ed ho\u1eb7c <a href=\"https:\/\/www.pacificcommunityventures.org\/vi\/cac-khoan-vay-cho-doanh-nghiep-nho\/\">v\u1ed1n th\u1ef1c s\u1ef1 ph\u1ea3i ch\u0103ng<\/a>, b\u1ea1n c\u00f3 th\u1ec3 <a href=\"https:\/\/www.pacificcommunityventures.org\/vi\/small-business-advising\/\">T\u00ecm hi\u1ec3u th\u00eam t\u1ea1i \u0111\u00e2y<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ch\u0103m s\u00f3c tr\u1ebb em \u2013 v\u00e0 nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ch\u1ee7 nh\u00e0 tr\u1ebb \u0111\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng, ng\u01b0\u1eddi lao \u0111\u1ed9ng trong vi\u1ec7c nh\u1eadn \u0111\u01b0\u1ee3c m\u1ee9c l\u01b0\u01a1ng v\u00e0 ph\u00fac l\u1ee3i x\u1ee9ng \u0111\u00e1ng, v\u00e0 c\u00e1c b\u1eadc ph\u1ee5 huynh \u0111i l\u00e0m ph\u1ea3i chi tr\u1ea3 chi ph\u00ed ch\u0103m s\u00f3c tr\u1ebb em m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 n\u00e0o t\u1eeb ch\u00ednh ph\u1ee7 li\u00ean bang \u2013 \u0111\u00e3 tr\u1edf th\u00e0nh v\u1ea5n \u0111\u1ec1 n\u1ed5i b\u1eadt trong hai n\u0103m qua. Tr\u01b0\u1eddng m\u1ea7m non La Plazita \u1edf Oakland l\u00e0 m\u1ed9t tr\u01b0\u1eddng m\u1ea7m non \u0111\u00fang ch\u1ea5t T\u00e2y Ban Nha\u2026<\/p>","protected":false},"author":61,"featured_media":17749,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-17748","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pcv-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/17748","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/users\/61"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/comments?post=17748"}],"version-history":[{"count":0,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/17748\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media\/17749"}],"wp:attachment":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media?parent=17748"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/categories?post=17748"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/tags?post=17748"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}