{"id":19238,"date":"2022-11-16T08:43:55","date_gmt":"2022-11-16T16:43:55","guid":{"rendered":"https:\/\/www.pacificcommunityventures.org\/?p=19238"},"modified":"2022-11-16T08:43:55","modified_gmt":"2022-11-16T16:43:55","slug":"lap-ban-do-ranh-gioi-tac-dong-cua-pcv","status":"publish","type":"post","link":"https:\/\/www.pacificcommunityventures.org\/vi\/2022\/11\/16\/mapping-the-pcv-impact-frontier\/","title":{"rendered":"Ph\u00e2n t\u00edch ph\u1ea1m vi t\u00e1c \u0111\u1ed9ng c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh PCV \u2013 C\u1ea7n bao nhi\u00eau v\u1ed1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u \u0111\u1ec3 thu h\u1eb9p kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o gi\u1eefa c\u00e1c ch\u1ee7ng t\u1ed9c v\u00e0 gi\u1edbi t\u00ednh?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>B\u00e0i vi\u1ebft b\u1edfi Casey Bell, Sarah Su-Wen Anderson v\u00e0 Sachi Shenoy<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00e1ng 11 n\u0103m 2022<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Pacific Community Ventures (PCV) l\u00e0 m\u1ed9t trong nh\u1eefng t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i \u0111\u1ea7u ti\u00ean c\u1ee7a Hoa K\u1ef3, v\u00e0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) v\u1edbi s\u1ee9 m\u1ec7nh x\u00f3a b\u1ecf nh\u1eefng th\u1ea5t b\u1ea1i th\u1ecb tr\u01b0\u1eddng t\u1ea1o ra r\u00e0o c\u1ea3n cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf, t\u1eeb \u0111\u00f3 duy tr\u00ec kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0 gi\u1edbi t\u00ednh \u1edf M\u1ef9. PCV cung c\u1ea5p c\u00e1c kho\u1ea3n vay ph\u1ee5c h\u1ed3i v\u00e0 t\u01b0 v\u1ea5n kinh doanh ph\u00f9 h\u1ee3p v\u1edbi v\u0103n h\u00f3a cho c\u00e1c kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf c\u1ee7a m\u00ecnh, v\u00e0 v\u00e0o n\u0103m 2022 \u0111\u00e3 ra m\u1eaft Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t (Good Jobs Innovation Lab), n\u01a1i t\u1eadn d\u1ee5ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch \u0111\u1ec3 l\u00e0m n\u1ed5i b\u1eadt nh\u1eefng hi\u1ec3u bi\u1ebft v\u1ec1 kinh t\u1ebf h\u00e0nh vi v\u00e0 x\u00e1c \u0111\u1ecbnh c\u00e1c \u0111\u1ed9ng l\u1ef1c t\u1ea1o ra vi\u1ec7c l\u00e0m t\u1ed1t. Trong su\u1ed1t 20 n\u0103m ho\u1ea1t \u0111\u1ed9ng, PCV \u0111\u00e3 \u0111\u1ea7u t\u01b0 14.350 USD v\u00e0 cung c\u1ea5p h\u01a1n 14.000 gi\u1edd d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n cho 3.000 doanh nghi\u1ec7p nh\u1ecf. M\u1ed9t s\u1ed1 doanh nh\u00e2n n\u00e0y \u0111\u00e3 b\u00e1o c\u00e1o duy tr\u00ec 2.882 vi\u1ec7c l\u00e0m v\u00e0o n\u0103m 2021, chi\u1ebfm 371.300 USD trong danh m\u1ee5c \u0111\u1ea7u t\u01b0.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u h\u1ecfi mu\u00f4n thu\u1edf trong \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i \u2013 li\u1ec7u c\u00f3 s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i c\u01a1 b\u1ea3n gi\u1eefa l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh v\u00e0 t\u00e1c \u0111\u1ed9ng hay kh\u00f4ng? \u2013 qu\u1ea3 th\u1ef1c kh\u00f4ng d\u1ec5 tr\u1ea3 l\u1eddi. M\u1ed9t s\u1ed1 ng\u01b0\u1eddi cho r\u1eb1ng \u0111\u00f3 l\u00e0 v\u00ec t\u00e1c \u0111\u1ed9ng r\u1ea5t kh\u00f3 \u0111o l\u01b0\u1eddng, nh\u01b0ng ch\u00fang t\u00f4i c\u1ea3m th\u1ea5y l\u00fd do ph\u1ee9c t\u1ea1p h\u01a1n: \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng v\u00ec s\u1ee9 m\u1ec7nh, vi\u1ec7c \u0111o l\u01b0\u1eddng m\u1ee9c \u0111\u1ed9 t\u00e1c \u0111\u1ed9ng c\u1ee7a m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng so v\u1edbi nh\u1eefng ho\u1ea1t \u0111\u1ed9ng kh\u00e1c c\u00f3 th\u1ec3 r\u1ea5t kh\u00f3 kh\u0103n.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u01a1n n\u1eefa, th\u01b0\u1edbc \u0111o truy\u1ec1n th\u1ed1ng so s\u00e1nh t\u00e1c \u0111\u1ed9ng v\u00e0 l\u1ee3i nhu\u1eadn kh\u00f4ng t\u00ednh \u0111\u1ebfn l\u1ee3i \u00edch x\u00e3 h\u1ed9i. C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng th\u1ea5t b\u1ea1i c\u1ee7a th\u1ecb tr\u01b0\u1eddng; tuy nhi\u00ean, kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o gi\u1eefa c\u00e1c ch\u1ee7ng t\u1ed9c l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c xuy\u00ean th\u1ebf h\u1ec7 v\u00e0 ng\u00e0y c\u00e0ng tr\u1edf n\u00ean t\u1ed3i t\u1ec7 h\u01a1n qua nhi\u1ec1u th\u1eadp k\u1ef7. C\u00e1c ch\u1ec9 s\u1ed1 truy\u1ec1n th\u1ed1ng \u0111o l\u01b0\u1eddng hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang ta th\u01b0\u1eddng kh\u00f4ng t\u00ednh \u0111\u1ebfn gi\u00e1 tr\u1ecb \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1eb1ng c\u00e1ch m\u1edf ra con \u0111\u01b0\u1eddng t\u1ea1o ra c\u1ee7a c\u1ea3i trong c\u00e1c c\u1ed9ng \u0111\u1ed3ng b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p trong l\u1ecbch s\u1eed, v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro h\u1ec7 th\u1ed1ng \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf v\u00e0 n\u1ec1n d\u00e2n ch\u1ee7 c\u1ee7a ch\u00fang ta t\u1eeb nh\u1eefng kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o dai d\u1eb3ng gi\u1eefa c\u00e1c ch\u1ee7ng t\u1ed9c v\u00e0 gi\u1edbi t\u00ednh.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) phi l\u1ee3i nhu\u1eadn ch\u1ed1ng ph\u00e2n bi\u1ec7t ch\u1ee7ng t\u1ed9c v\u00e0 \u0111\u1eb7t t\u00e1c \u0111\u1ed9ng l\u00ean h\u00e0ng \u0111\u1ea7u, PCV cam k\u1ebft v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng tri\u1ec3n khai v\u1ed1n v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n linh ho\u1ea1t h\u01a1n so v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f9ng ng\u00e0nh, v\u00e0 ph\u1ee5c v\u1ee5 m\u1ed9t c\u00e1ch c\u00f3 ch\u1ee7 \u0111\u00edch h\u01a1n cho c\u00e1c doanh nh\u00e2n ng\u01b0\u1eddi da m\u00e0u, ph\u1ee5 n\u1eef, ng\u01b0\u1eddi nh\u1eadp c\u01b0 v\u00e0 ng\u01b0\u1eddi t\u1ecb n\u1ea1n t\u1ea1i c\u00e1c c\u1ed9ng \u0111\u1ed3ng b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p. M\u1ed9t ph\u1ea7n do \u1ee9ng ph\u00f3 v\u1edbi \u0111\u1ea1i d\u1ecbch COVID-19, v\u00e0 m\u1ed9t ph\u1ea7n l\u00e0 \u0111\u1ec3 kh\u1edfi \u0111\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c d\u1ef1a tr\u00ean \u0111\u1ecba ph\u01b0\u01a1ng, v\u00e0o cu\u1ed1i n\u0103m 2021, PCV \u0111\u00e3 ra m\u1eaft Qu\u1ef9 Cho vay Ph\u1ee5c h\u1ed3i Oakland, \u0111\u01b0\u1ee3c \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 tri\u1ec3n khai v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c do ng\u01b0\u1eddi da m\u00e0u l\u00e3nh \u0111\u1ea1o t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng, nh\u1eefng ng\u01b0\u1eddi hi\u1ec3u r\u00f5 c\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c doanh nh\u00e2n c\u1ee7a h\u1ecd nh\u1ea5t. T\u1ed5ng c\u1ed9ng 2,5 tri\u1ec7u \u0111\u00f4 la \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n cho 37 doanh nghi\u1ec7p nh\u1ecf trong c\u1ed9ng \u0111\u1ed3ng Oakland, v\u1edbi l\u00e3i su\u1ea5t 0,1% v\u00e0 kh\u00f4ng thu ph\u00ed trong su\u1ed1t m\u00f9a \u0111\u00f4ng n\u0103m \u0111\u00f3.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea3n h\u1ed3i t\u1eeb c\u1ed9ng \u0111\u1ed3ng v\u00f4 c\u00f9ng t\u00edch c\u1ef1c, v\u00e0 c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf \u0111\u00e1nh gi\u00e1 cao vi\u1ec7c tri\u1ec3n khai nhanh ch\u00f3ng c\u00e1c kho\u1ea3n vay n\u00e0y v\u00e0 l\u00e3i su\u1ea5t 0% trong th\u1eddi \u0111i\u1ec3m \u0111\u1ea7y b\u1ea5t \u1ed5n. \u0110\u00e2y l\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean PCV cung c\u1ea5p c\u00e1c kho\u1ea3n vay v\u1edbi \u0111i\u1ec1u ki\u1ec7n nh\u01b0 v\u1eady, v\u00e0 r\u00f5 r\u00e0ng l\u00e0 h\u1ecd s\u1ebd kh\u00f4ng thu \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh, nh\u01b0ng nh\u00f3m k\u1ef3 v\u1ecdng s\u1ebd thu \u0111\u01b0\u1ee3c l\u1ee3i \u00edch \u0111\u00e1ng k\u1ec3 h\u01a1n so v\u1edbi danh m\u1ee5c \u0111\u1ea7u t\u01b0 truy\u1ec1n th\u1ed1ng c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 ki\u1ec3m ch\u1ee9ng gi\u1ea3 thuy\u1ebft n\u00e0y, PCV \u0111\u00e3 v\u1ebd bi\u1ec3u \u0111\u1ed3 37 kho\u1ea3n vay \u1edf Oakland c\u00f9ng v\u1edbi 29 kho\u1ea3n vay t\u1eeb m\u1ed9t nh\u00f3m so s\u00e1nh, bao g\u1ed3m c\u00e1c s\u1ea3n ph\u1ea9m cho vay ti\u00eau chu\u1ea9n c\u1ee7a h\u1ecd (v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 3-6,5%), d\u1ecdc theo m\u1ed9t \u0111\u01b0\u1eddng bi\u00ean t\u00e1c \u0111\u1ed9ng. Nh\u00f3m nghi\u00ean c\u1ee9u gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng nh\u00f3m so s\u00e1nh s\u1ebd \u0111\u1ea1t \u0111i\u1ec3m cao h\u01a1n v\u1ec1 l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh, nh\u01b0ng th\u1ea5p h\u01a1n v\u1ec1 t\u00e1c \u0111\u1ed9ng, trong khi c\u00e1c kho\u1ea3n vay \u1edf Oakland s\u1ebd ng\u01b0\u1ee3c l\u1ea1i. B\u1eb1ng c\u00e1ch t\u1ea1o ra bi\u1ec3u \u0111\u1ed3 ph\u00e2n t\u00e1n, nh\u00f3m PCV hy v\u1ecdng s\u1ebd x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c &quot;m\u1ed1i quan h\u1ec7 tuy\u1ebfn t\u00ednh ph\u00f9 h\u1ee3p nh\u1ea5t&quot; \u0111\u1ec3 \u0111\u1ecbnh l\u01b0\u1ee3ng l\u01b0\u1ee3ng l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh m\u00e0 h\u1ecd ph\u1ea3i t\u1eeb b\u1ecf nh\u1eb1m t\u0103ng c\u01b0\u1eddng t\u00e1c \u0111\u1ed9ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh \u0111i\u1ec1u ch\u1ec9nh r\u1ee7i ro \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n cho m\u1ed7i kho\u1ea3n vay, s\u1eed d\u1ee5ng t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 th\u1ecb tr\u01b0\u1eddng \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 x\u00e1c su\u1ea5t \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh d\u1ef1a tr\u00ean b\u1ea5t k\u1ef3 s\u1ef1 ch\u1eadm thanh to\u00e1n n\u00e0o. Sau \u0111\u00f3, \u0111i\u1ec3m t\u00e1c \u0111\u1ed9ng \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n cho m\u1ed7i kho\u1ea3n vay d\u1ef1a tr\u00ean m\u1ed9t ti\u00eau ch\u00ed do nh\u00f3m nghi\u00ean c\u1ee9u ph\u00e1t tri\u1ec3n \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ti\u1ec1m n\u0103ng t\u00e1c \u0111\u1ed9ng t\u1ea1i th\u1eddi \u0111i\u1ec3m th\u1ea9m \u0111\u1ecbnh, bao g\u1ed3m c\u00e1c h\u1ea1ng m\u1ee5c (v\u00e0 tr\u1ecdng s\u1ed1) sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>C\u00f4ng b\u1eb1ng nh\u00e2n kh\u1ea9u h\u1ecdc (50%):<\/em> Li\u1ec7u c\u00e1c ch\u1ee7 doanh nghi\u1ec7p v\u00e0 nh\u00e2n vi\u00ean c\u00f3 xu\u1ea5t th\u00e2n t\u1eeb nh\u1eefng t\u1ea7ng l\u1edbp b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p trong l\u1ecbch s\u1eed?<\/li><li><em>Ti\u1ebfp c\u1eadn ngu\u1ed3n t\u00e0i ch\u00ednh cho doanh nghi\u1ec7p (30%): <\/em>Doanh nghi\u1ec7p n\u00e0y c\u00f3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n t\u00e0i ch\u00ednh gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng n\u00e0o kh\u00e1c ngo\u00e0i ch\u01b0\u01a1ng tr\u00ecnh PCV kh\u00f4ng?<\/li><li><em>Kh\u1ea3 n\u0103ng t\u1ea1o ra vi\u1ec7c l\u00e0m t\u1ed1t (10%):<\/em> Li\u1ec7u doanh nghi\u1ec7p n\u00e0y c\u00f3 kh\u1ea3 n\u0103ng v\u00e0 s\u1eb5n s\u00e0ng t\u1ea1o ra v\u00e0 duy tr\u00ec nh\u1eefng c\u00f4ng vi\u1ec7c ch\u1ea5t l\u01b0\u1ee3ng hay kh\u00f4ng?<\/li><li><em>Kh\u00e1ch h\u00e0ng v\u00e0 c\u1ed9ng \u0111\u1ed3ng (10%): <\/em>Doanh nghi\u1ec7p n\u00e0y c\u00f3 ti\u1ec1m n\u0103ng t\u1ea1o ra t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c d\u00f9 nh\u1ecf \u0111\u1ebfn c\u1ed9ng \u0111\u1ed3ng, x\u00e3 h\u1ed9i v\u00e0 m\u00f4i tr\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/lh4.googleusercontent.com\/GmUAm83nSZwo00iFSpc5cDha5wXCjEzLNYZ2PLKfzc7k4iYwJIvRig3LzkYLsiy8ualufGCMSROAp7LWAt7bGIi2UgKuDBPlkluKhgTMxFBMVD8TXo1aWVL4gW_KFAdqwkiOS7npchWEjQZRrH0zPNplqFD-Io6idT1Yl0Qu4d6aXzL3KSkQoNg1kB26tw\" width=\"624\" height=\"388\" alt=\"\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u th\u00fa v\u1ecb l\u00e0, bi\u1ec3u \u0111\u1ed3 ph\u00e2n t\u00e1n kh\u00f4ng cho th\u1ea5y m\u1ed1i quan h\u1ec7 tuy\u1ebfn t\u00ednh \u0111\u00e1ng k\u1ec3 n\u00e0o gi\u1eefa l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh v\u00e0 x\u1ebfp h\u1ea1ng t\u00e1c \u0111\u1ed9ng trong m\u1eabu nh\u1ecf n\u00e0y. C\u00e1c kho\u1ea3n vay so s\u00e1nh c\u00f3 l\u1ee3i nhu\u1eadn t\u00e0i ch\u00ednh d\u01b0\u01a1ng trung b\u00ecnh so v\u1edbi l\u1ee3i nhu\u1eadn \u00e2m c\u1ee7a c\u00e1c kho\u1ea3n vay \u1edf Oakland, \u0111i\u1ec1u n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n; v\u00e0 \u0111i\u1ec3m t\u00e1c \u0111\u1ed9ng trung v\u1ecb l\u1ea7n l\u01b0\u1ee3t l\u00e0 39% so v\u1edbi 46%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tuy nhi\u00ean, m\u1ed9t ph\u00e9p \u0111o m\u00f4 t\u1ea3 \u0111\u01a1n gi\u1ea3n v\u1ec1 danh m\u1ee5c \u0111\u1ea7u t\u01b0 cho th\u1ea5y danh m\u1ee5c \u0111\u1ea7u t\u01b0 d\u1ef1a tr\u00ean \u0111\u1ecba \u0111i\u1ec3m c\u00f3 \u0111i\u1ec3m t\u00e1c \u0111\u1ed9ng trung b\u00ecnh cao h\u01a1n v\u00e0 ph\u01b0\u01a1ng sai th\u1ea5p h\u01a1n - cho th\u1ea5y c\u00e1ch ti\u1ebfp c\u1eadn d\u1ef1a tr\u00ean \u0111\u1ecba \u0111i\u1ec3m c\u00f3 th\u1ec3 mang l\u1ea1i t\u00ednh nh\u1ea5t qu\u00e1n cao h\u01a1n trong vi\u1ec7c t\u1ea1o ra l\u1ee3i nhu\u1eadn t\u1eeb t\u00e1c \u0111\u1ed9ng. \u0110\u00e2y l\u00e0 m\u1ed9t quan s\u00e1t m\u00e0 ch\u00fang t\u00f4i mong mu\u1ed1n \u0111\u01b0\u1ee3c ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng h\u01a1n. C\u00e1c kho\u1ea3n vay \u1edf Oakland \u0111\u1ea1t \u0111i\u1ec3m cao h\u01a1n \u1edf c\u00e1c kh\u00eda c\u1ea1nh v\u1ec1 c\u00f4ng b\u1eb1ng nh\u00e2n kh\u1ea9u h\u1ecdc, kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh, v\u00e0 kh\u00e1ch h\u00e0ng v\u00e0 c\u1ed9ng \u0111\u1ed3ng, ch\u01b0a k\u1ec3 \u0111\u1ebfn kho\u1ea3n ti\u1ebft ki\u1ec7m m\u00e0 c\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u00f3 \u0111\u01b0\u1ee3c v\u00e0 kh\u1ea3 n\u0103ng chi tr\u1ea3 kho\u1ea3n vay trong th\u1eddi k\u1ef3 kinh t\u1ebf b\u1ea5t \u1ed5n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/lh4.googleusercontent.com\/kGLFmGucLwouPVUKv1gSivsoh5Ui0Q3_PaPBAIq13HGWVIHSO_yB_IhIoJk0nt6rUmy0eJ7wVIcCY7yCv-RoDpZBN1yUtD3iIvzZI3SRk6mye4RCbnnZ-r56HYsnYL9sW-DjfQwNnEov_lkXZ4qp6FANbWbMfCqeU4ZXHMLawOWJvzd-JdmljUNBBBnRhA\" width=\"624\" height=\"385\" alt=\"\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong ph\u00e2n t\u00edch n\u00e0y, PCV kh\u00f4ng ki\u1ec3m so\u00e1t hi\u1ec7n t\u01b0\u1ee3ng \u0111a c\u1ed9ng tuy\u1ebfn \u2013 hay m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00e1c bi\u1ebfn trong c\u00f9ng m\u1ed9t khu\u00f4n kh\u1ed5. \u0110i\u1ec3m t\u00e1c \u0111\u1ed9ng c\u1ee7a c\u1ea3 kho\u1ea3n vay \u1edf Oakland v\u00e0 nh\u00f3m so s\u00e1nh \u0111\u1ec1u h\u1ed9i t\u1ee5 quanh c\u00f9ng m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m chung v\u00ec ngay c\u1ea3 c\u00e1c kho\u1ea3n vay \u201cti\u00eau chu\u1ea9n\u201d c\u1ee7a PCV c\u0169ng \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t d\u1ef1a tr\u00ean c\u00f9ng m\u1ed9t khu\u00f4n kh\u1ed5 t\u00e1c \u0111\u1ed9ng \u01b0u ti\u00ean s\u1ef1 c\u00f4ng b\u1eb1ng v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh. \u0110\u1ec3 ch\u1ee9ng minh s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i r\u00f5 r\u1ec7t h\u01a1n, PCV s\u1ebd ph\u1ea3i l\u1eadp b\u1ea3n \u0111\u1ed3 c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u00e0 kh\u00f4ng c\u00f3 m\u1ee5c \u0111\u00edch t\u00e1c \u0111\u1ed9ng c\u1ee5 th\u1ec3, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t g\u1ea7n v\u1edbi l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng ti\u00eau chu\u1ea9n. Nhi\u1ec7m v\u1ee5 \u0111\u1ea7u t\u01b0 v\u00ec t\u00e1c \u0111\u1ed9ng c\u1ee7a PCV \u0111\u1eb7t ra th\u00e1ch th\u1ee9c cho kh\u1ea3 n\u0103ng ph\u00e2n t\u00e1ch c\u00e1c bi\u1ebfn t\u00e1c \u0111\u1ed9ng kh\u00e1c nhau v\u00e0 ki\u1ec3m tra m\u1ee9c \u0111\u1ed9 \u0111\u00e1nh \u0111\u1ed5i t\u00e0i ch\u00ednh c\u1ea7n thi\u1ebft \u0111\u1ec3 t\u1ea1o ra t\u00e1c \u0111\u1ed9ng s\u00e2u s\u1eafc h\u01a1n. Trong khi \u0111\u00f3, nh\u00f3m cam k\u1ebft m\u1edf r\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c d\u1ef1a tr\u00ean \u0111\u1ecba \u0111i\u1ec3m v\u00e0 th\u1eed nghi\u1ec7m c\u00e1c kho\u1ea3n vay v\u00e0 \u0111i\u1ec1u kho\u1ea3n kh\u00e1c nhau \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u1ed1t nh\u1ea5t c\u00e1c \u01b0u ti\u00ean t\u00e1c \u0111\u1ed9ng c\u1ee7a m\u00ecnh.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c nghi\u00ean c\u1ee9u trong t\u01b0\u01a1ng lai c\u0169ng c\u00f3 th\u1ec3 t\u00ecm c\u00e1ch b\u1ed5 sung th\u00eam chi\u1ec1u th\u1ee9 ba v\u00e0o ph\u00e2n t\u00edch ranh gi\u1edbi t\u00e1c \u0111\u1ed9ng \u2013 t\u00ecm c\u00e1ch t\u00ednh \u0111\u1ebfn vi\u1ec7c t\u1ea1o ra t\u00e0i s\u1ea3n v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro th\u00f4ng qua \u0111\u1ea7u t\u01b0 c\u1ed9ng \u0111\u1ed3ng v\u1edbi t\u1ef7 l\u1ec7 ph\u1ee5c h\u1ed3i \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh v\u00e0 x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 b\u1ec1n v\u1eefng th\u00f4ng qua c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng doanh nghi\u1ec7p nh\u1ecf cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 thi\u1ebft y\u1ebfu cho n\u1ec1n kinh t\u1ebf c\u1ee7a ch\u00fang ta v\u00e0 t\u1ea1o vi\u1ec7c l\u00e0m cho g\u1ea7n m\u1ed9t n\u1eeda ng\u01b0\u1eddi M\u1ef9. Ch\u00fang t\u00f4i ph\u00e2n bi\u1ec7t tr\u1ee5c n\u00e0y v\u1edbi \u201ct\u00e1c \u0111\u1ed9ng\u201d v\u00ec n\u00f3 t\u1eadp trung \u00edt h\u01a1n v\u00e0o vi\u1ec7c th\u00fac \u0111\u1ea9y v\u1ed1n \u0111\u1ebfn c\u00e1c m\u1ee5c ti\u00eau, v\u00e0 nhi\u1ec1u h\u01a1n v\u00e0o vi\u1ec7c xem x\u00e9t \u201cl\u1ee3i nhu\u1eadn\u201d t\u1eeb m\u1ed9t g\u00f3c \u0111\u1ed9 kh\u00e1c. PCV cam k\u1ebft kh\u00e1m ph\u00e1 nh\u1eefng c\u00e1ch ti\u1ebfp c\u1eadn m\u1edbi nh\u1eb1m l\u00e0m r\u00f5 gi\u00e1 tr\u1ecb th\u1ef1c s\u1ef1 c\u1ee7a t\u00e1c \u0111\u1ed9ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Casey Bell l\u00e0 Gi\u00e1m \u0111\u1ed1c T\u00e1c \u0111\u1ed9ng t\u1ea1i Pacific Community Ventures. Sarah Su-Wen Anderson l\u00e0 th\u1ef1c t\u1eadp sinh c\u1ee7a PCV, \u0111ang theo h\u1ecdc ch\u01b0\u01a1ng tr\u00ecnh song b\u1eb1ng MBA\/MPP t\u1ea1i Tr\u01b0\u1eddng Kinh doanh Sau \u0111\u1ea1i h\u1ecdc Stanford v\u00e0 Tr\u01b0\u1eddng Ch\u00ednh ph\u1ee7 Harvard Kennedy. Sachi Shenoy l\u00e0 \u0110\u1ed3ng s\u00e1ng l\u1eadp ki\u00eam Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a <\/em><a href=\"https:\/\/calidris.us\/\" target=\"_blank\" rel=\"noopener\"><em>Calidris<\/em><\/a><em>, \u0110\u1ea3m nhi\u1ec7m vai tr\u00f2 C\u1ed1 v\u1ea5n c\u1ea5p cao cho PCV \u0111\u1ec3 thu th\u1eadp nh\u1eefng th\u00f4ng tin c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb d\u1eef li\u1ec7u v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh nghi\u00ean c\u1ee9u t\u1eadp trung v\u00e0o v\u1ea5n \u0111\u1ec1 vi\u1ec7c l\u00e0m t\u1ed1t.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Pacific Community Ventures (PCV) l\u00e0 m\u1ed9t trong nh\u1eefng t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i \u0111\u1ea7u ti\u00ean c\u1ee7a Hoa K\u1ef3, v\u00e0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) v\u1edbi s\u1ee9 m\u1ec7nh x\u00f3a b\u1ecf nh\u1eefng th\u1ea5t b\u1ea1i c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u1ea1o ra r\u00e0o c\u1ea3n cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf, t\u1eeb \u0111\u00f3 duy tr\u00ec kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0 gi\u1edbi t\u00ednh \u1edf M\u1ef9. PCV cung c\u1ea5p c\u00e1c kho\u1ea3n vay ph\u1ee5c h\u1ed3i v\u00e0 t\u01b0 v\u1ea5n kinh doanh ph\u00f9 h\u1ee3p v\u1edbi v\u0103n h\u00f3a cho c\u00e1c kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf c\u1ee7a m\u00ecnh, v\u00e0 v\u00e0o n\u0103m 2022 \u0111\u00e3 ra m\u1eaft Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t (Good Jobs Innovation Lab), t\u1eadn d\u1ee5ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch \u0111\u1ec3 l\u00e0m n\u1ed5i b\u1eadt nh\u1eefng hi\u1ec3u bi\u1ebft v\u1ec1 kinh t\u1ebf h\u00e0nh vi v\u00e0 x\u00e1c \u0111\u1ecbnh c\u00e1c \u0111\u1ed9ng l\u1ef1c t\u1ea1o ra vi\u1ec7c l\u00e0m t\u1ed1t.<\/p>","protected":false},"author":61,"featured_media":19761,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[36,37],"tags":[],"class_list":["post-19238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-quality-jobs","category-impact-investing"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/19238","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=19238"}],"version-history":[{"count":0,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/19238\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media\/19761"}],"wp:attachment":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media?parent=19238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/categories?post=19238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/tags?post=19238"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}