{"id":20203,"date":"2023-01-11T11:06:06","date_gmt":"2023-01-11T19:06:06","guid":{"rendered":"https:\/\/www.pacificcommunityventures.org\/?p=20203"},"modified":"2023-01-11T11:06:06","modified_gmt":"2023-01-11T19:06:06","slug":"3-cach-pcv-su-dung-phan-tich-du-lieu-de-thu-hep-khoang-cach-giau-ngheo-giua-cac-chung-toc","status":"publish","type":"post","link":"https:\/\/www.pacificcommunityventures.org\/vi\/2023\/01\/11\/3-ways-pcv-uses-data-analytics-to-close-the-racial-wealth-gap\/","title":{"rendered":"3 c\u00e1ch m\u00e0 PCV s\u1eed d\u1ee5ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 thu h\u1eb9p kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o gi\u1eefa c\u00e1c ch\u1ee7ng t\u1ed9c"},"content":{"rendered":"

T\u00e1c gi\u1ea3: Kenneth Kitahata, Gi\u00e1m \u0111\u1ed1c D\u1eef li\u1ec7u & Ph\u00e2n t\u00edch<\/em><\/p>\n\n\n\n

Pacific Community Ventures (PCV) l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng phi l\u1ee3i nhu\u1eadn 501(c)(3) v\u00e0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI). N\u0103m 2022, m\u00f4 h\u00ecnh \u201ccho vay + t\u01b0 v\u1ea5n\u201d t\u00edch h\u1ee3p c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 gi\u1ea3i ng\u00e2n $9M ti\u1ec1n vay v\u00e0 gi\u00fap h\u01a1n 2000 ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf thu\u1ed9c nh\u00f3m ng\u01b0\u1eddi da m\u00e0u, ph\u1ee5 n\u1eef v\u00e0 nh\u1eefng ng\u01b0\u1eddi b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p kh\u00e1c t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t v\u1edbi ph\u1ea9m gi\u00e1, gi\u1ea3i quy\u1ebft kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0 gi\u1edbi t\u00ednh, v\u00e0 x\u00e2y d\u1ef1ng s\u1ef1 th\u1ecbnh v\u01b0\u1ee3ng cho c\u1ed9ng \u0111\u1ed3ng. N\u0103m nay, PCV r\u1ea5t vui m\u1eebng ra m\u1eaft\u2026 <\/em>Ph\u00f2ng th\u00ed nghi\u1ec7m \u0111\u1ed5i m\u1edbi vi\u1ec7c l\u00e0m t\u1ed1t<\/em><\/a>, M\u1ed9t b\u1ed9 ph\u1eadn nghi\u00ean c\u1ee9u v\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch n\u1ed9i b\u1ed9 m\u1edbi nh\u1eb1m m\u1ee5c \u0111\u00edch thi\u1ebft k\u1ebf v\u00e0 th\u1eed nghi\u1ec7m c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 m\u1edbi nh\u1eb1m c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c t\u1ea1i c\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u1ee7a ch\u00fang ta.<\/em><\/p>\n\n\n\n

T\u1ea1i c\u01a1 s\u1edf m\u1edbi c\u1ee7a PCV Ph\u00f2ng th\u00ed nghi\u1ec7m \u0111\u1ed5i m\u1edbi vi\u1ec7c l\u00e0m t\u1ed1t<\/a>, Ch\u00fang t\u00f4i hi\u1ec3u t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c h\u01b0\u1edbng t\u1edbi t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i t\u00edch c\u1ef1c c\u1ea7n n\u1eafm \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 n\u1ed7 l\u1ef1c c\u1ee7a m\u00ecnh. \u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao ch\u00fang t\u00f4i r\u1ea5t h\u00e0o h\u1ee9ng b\u1eaft \u0111\u1ea7u n\u0103m m\u1edbi v\u1edbi m\u1ed9t c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt m\u1edbi gi\u00fap ch\u00fang t\u00f4i \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ee9 m\u1ec7nh: tri\u1ec3n khai v\u1ed1n ph\u1ee5c h\u1ed3i cho c\u00e1c doanh nh\u00e2n da m\u00e0u, t\u1ea1o ra \u201cvi\u1ec7c l\u00e0m t\u1ed1t\u201d cho c\u00e1c doanh nh\u00e2n v\u00e0 nh\u00e2n vi\u00ean c\u1ee7a h\u1ecd, v\u00e0 ph\u00e1 v\u1ee1 c\u00e1c r\u00e0o c\u1ea3n h\u1ec7 th\u1ed1ng duy tr\u00ec kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0 gi\u1edbi t\u00ednh. Kho d\u1eef li\u1ec7u v\u00e0 c\u00f4ng c\u1ee5 ETL hi\u1ec7n \u0111\u1ea1i, d\u1ef1a tr\u00ean \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y c\u1ee7a ch\u00fang t\u00f4i cho ph\u00e9p ch\u00fang t\u00f4i chu\u1ea9n h\u00f3a d\u1eef li\u1ec7u gi\u1eefa c\u00e1c nh\u00f3m v\u00e0 l\u01b0u tr\u1eef t\u1ea5t c\u1ea3 th\u00f4ng tin kh\u00e1ch h\u00e0ng \u1edf m\u1ed9t n\u01a1i. H\u00e0nh tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 l\u00e0 m\u1ed9t h\u00e0nh tr\u00ecnh h\u1ecdc h\u1ecfi \u0111\u1ed1i v\u1edbi PCV, v\u00e0 ch\u00fang t\u00f4i r\u1ea5t mong mu\u1ed1n chia s\u1ebb ba b\u00e0i h\u1ecdc kinh nghi\u1ec7m t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 thu h\u1eb9p kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o v\u1ec1 ch\u1ee7ng t\u1ed9c:<\/p>\n\n\n\n

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  1. Qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng \u0111\u1eb7t s\u1ee9 m\u1ec7nh v\u00e0 con ng\u01b0\u1eddi l\u00ean tr\u00ean c\u00f4ng ngh\u1ec7.<\/strong><\/li>\n<\/ol>\n\n\n\n

    Vi\u1ec7c tri\u1ec3n khai Snowflake v\u00e0 Matillion \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c l\u01b0u tr\u1eef v\u00e0 m\u00f4 h\u00ecnh h\u00f3a d\u1eef li\u1ec7u cho ph\u00e9p ch\u00fang t\u00f4i so s\u00e1nh kh\u00e1ch h\u00e0ng gi\u1eefa c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u2013 kh\u00f4ng ch\u1ec9 trong t\u1eebng ch\u01b0\u01a1ng tr\u00ecnh ri\u00eang l\u1ebb \u2013 v\u00e0 hi\u1ec3u r\u00f5 h\u01a1n to\u00e0n b\u1ed9 h\u00e0nh tr\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng khi \u0111\u01b0\u1ee3c PCV ph\u1ee5c v\u1ee5. Nh\u1eefng n\u1ed7 l\u1ef1c tr\u01b0\u1edbc \u0111\u00e2y nh\u1eb1m chu\u1ea9n h\u00f3a d\u1eef li\u1ec7u trong Salesforce \u0111\u00e3 th\u1ea5t b\u1ea1i v\u00ec \u00edt nh\u00e2n vi\u00ean s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 n\u00e0y. Thay v\u00e0o \u0111\u00f3, ch\u00fang t\u00f4i b\u1eaft \u0111\u1ea7u qu\u00e1 tr\u00ecnh c\u1ea3i t\u1ed5 n\u00e0y b\u1eb1ng vi\u1ec7c l\u1eafng nghe s\u00e2u s\u1eafc v\u00e0 nghi\u00ean c\u1ee9u ng\u01b0\u1eddi d\u00f9ng \u0111\u1ec3 hi\u1ec3u c\u00e1c \u1ee9ng d\u1ee5ng hi\u1ec7n c\u00f3 m\u00e0 nh\u00f3m s\u1eed d\u1ee5ng, ch\u1eb3ng h\u1ea1n nh\u01b0 ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd kho\u1ea3n vay v\u00e0 n\u1ec1n t\u1ea3ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt c\u1ee7a ch\u00fang t\u00f4i. R\u00f5 r\u00e0ng, ph\u01b0\u01a1ng ph\u00e1p \u201ccho vay + t\u01b0 v\u1ea5n\u201d \u0111\u1ec3 ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng l\u00e0 c\u1ed1t l\u00f5i trong s\u1ee9 m\u1ec7nh c\u1ee7a PCV, v\u00ec v\u1eady ch\u00fang t\u00f4i b\u1eaft \u0111\u1ea7u t\u1eadp trung v\u00e0o c\u00e1ch k\u1ebft h\u1ee3p t\u1ea5t c\u1ea3 d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng v\u00e0o m\u1ed9t ngu\u1ed3n th\u00f4ng tin duy nh\u1ea5t. Thay v\u00ec \u0111\u1ec3 m\u1ed9t h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 bu\u1ed9c ch\u00fang t\u00f4i ph\u1ea3i thay \u0111\u1ed5i c\u00e1ch l\u00e0m vi\u1ec7c, ch\u00fang t\u00f4i \u0111\u00e3 \u0111\u1ec3 s\u1ee9 m\u1ec7nh v\u00e0 quy tr\u00ecnh hi\u1ec7n c\u00f3 \u0111\u1ecbnh h\u01b0\u1edbng vi\u1ec7c l\u1ef1a ch\u1ecdn c\u00f4ng c\u1ee5 v\u00e0 nh\u00e0 cung c\u1ea5p. M\u1ed9t v\u0103n h\u00f3a d\u1ef1a tr\u00ean d\u1eef li\u1ec7u hi\u1ec7u qu\u1ea3 cao \u01b0u ti\u00ean s\u1ef1 ph\u00f9 h\u1ee3p c\u1ee7a quy tr\u00ecnh kinh doanh, c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ra quy\u1ebft \u0111\u1ecbnh v\u00e0 \u0111\u1ea3m b\u1ea3o chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd thay \u0111\u1ed5i m\u1ea1nh m\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n.<\/p>\n\n\n\n

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    1. Nh\u00f3m c\u00f4ng t\u00e1c c\u1ea3i ti\u1ebfn d\u1eef li\u1ec7u n\u1ed9i b\u1ed9 c\u1ee7a PCV \u0111\u00e3 t\u1ea1o ti\u1ec1n \u0111\u1ec1 cho s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a ch\u00fang t\u00f4i.<\/strong><\/li>\n<\/ol>\n\n\n\n

      Tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u qu\u00e1 tr\u00ecnh c\u1ea3i ti\u1ebfn d\u1eef li\u1ec7u, ch\u00fang t\u00f4i bi\u1ebft r\u1ee7i ro ch\u00ednh l\u00e0 vi\u1ec7c ng\u01b0\u1eddi d\u00f9ng ch\u1ea5p nh\u1eadn gi\u1ea3i ph\u00e1p, v\u00ec v\u1eady ch\u00fang t\u00f4i \u0111\u00e3 th\u00e0nh l\u1eadp m\u1ed9t Nh\u00f3m C\u00f4ng t\u00e1c C\u1ea3i ti\u1ebfn D\u1eef li\u1ec7u n\u1ed9i b\u1ed9 g\u1ed3m 10 th\u00e0nh vi\u00ean \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o gi\u1ea3i ph\u00e1p cu\u1ed1i c\u00f9ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a t\u1eebng nh\u00f3m. Ch\u00fang t\u00f4i \u0111\u00e3 x\u00e1c \u0111\u1ecbnh c\u00e1c c\u00e2u chuy\u1ec7n ng\u01b0\u1eddi d\u00f9ng cho c\u00e1c b\u00ean li\u00ean quan trong to\u00e0n b\u1ed9 PCV, t\u1eeb Chuy\u00ean vi\u00ean Ph\u00e2n t\u00edch T\u00edn d\u1ee5ng th\u1ea9m \u0111\u1ecbnh kho\u1ea3n vay \u0111\u1ebfn Gi\u00e1m \u0111\u1ed1c Marketing theo d\u00f5i ngu\u1ed3n gi\u1edbi thi\u1ec7u. C\u00f4ng vi\u1ec7c chu\u1ea9n b\u1ecb n\u00e0y \u0111\u00e3 ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 ti\u1ec1n b\u1ea1c trong qu\u00e1 tr\u00ecnh t\u00ecm hi\u1ec3u b\u1eb1ng c\u00e1ch l\u1eadp b\u1ea3n \u0111\u1ed3 c\u00e1c h\u1ec7 th\u1ed1ng n\u1ed9i b\u1ed9 c\u1ee7a PCV. M\u1eb7c d\u00f9 nhi\u1ec1u chuy\u00ean gia t\u01b0 v\u1ea5n d\u1eef li\u1ec7u s\u1ebd th\u1ef1c hi\u1ec7n vi\u1ec7c ki\u1ec3m k\u00ea n\u00e0y, nh\u01b0ng vi\u1ec7c PCV t\u1ef1 th\u1ef1c hi\u1ec7n l\u1ea1i r\u1ea5t h\u1eefu \u00edch \u0111\u1ec3 ph\u00e1t hi\u1ec7n ra c\u00e1c h\u1ec7 th\u1ed1ng d\u01b0 th\u1eeba ho\u1eb7c ch\u1ed3ng ch\u00e9o qu\u00e1 nhi\u1ec1u. Th\u00eam v\u00e0o \u0111\u00f3, vi\u1ec7c hi\u1ec3u r\u00f5 h\u01a1n c\u00e1c quy tr\u00ecnh n\u1ed9i b\u1ed9 khi b\u1ea1n h\u00ecnh dung to\u00e0n b\u1ed9 b\u1ea3n \u0111\u1ed3 trong m\u1ed9t ch\u1ebf \u0111\u1ed9 xem duy nh\u1ea5t c\u0169ng mang l\u1ea1i l\u1ee3i \u00edch \u2013 c\u00e1c \u0111i\u1ec3m ngh\u1ebdn d\u1eef li\u1ec7u tr\u1edf n\u00ean r\u00f5 r\u00e0ng h\u01a1n, v\u00e0 c\u00e1c khu v\u1ef1c m\u00e0 d\u1eef li\u1ec7u kh\u00f4ng li\u00ean k\u1ebft v\u1edbi nhau (nh\u01b0ng n\u00ean li\u00ean k\u1ebft) c\u0169ng tr\u1edf n\u00ean r\u00f5 r\u00e0ng. Nh\u00f3m C\u00f4ng t\u00e1c c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 t\u1ea1o ti\u1ec1n \u0111\u1ec1 cho s\u1ef1 th\u00e0nh c\u00f4ng v\u1edbi nh\u1eefng ng\u01b0\u1eddi d\u00f9ng n\u1ed9i b\u1ed9 b\u1eb1ng c\u00e1ch gi\u1ea3i quy\u1ebft y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1, \u0111\u01b0a c\u00e1c b\u00ean li\u00ean quan tham gia v\u00e0o t\u1eebng b\u01b0\u1edbc c\u1ee7a qu\u00e1 tr\u00ecnh v\u00e0 k\u1ebft h\u1ee3p ph\u1ea3n h\u1ed3i c\u1ee7a h\u1ecd. Nh\u00f3m c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o n\u00e0y s\u1ebd ti\u1ebfp t\u1ee5c l\u00e0 di\u1ec5n \u0111\u00e0n quan tr\u1ecdng cho b\u01b0\u1edbc ti\u1ebfp theo c\u1ee7a ch\u00fang t\u00f4i trong vi\u1ec7c x\u00e2y d\u1ef1ng n\u0103ng l\u1ef1c s\u1eed d\u1ee5ng Tableau \u0111\u1ec3 th\u00fac \u0111\u1ea9y v\u0103n h\u00f3a d\u1eef li\u1ec7u t\u1ef1 ph\u1ee5c v\u1ee5. <\/p>\n\n\n\n

        \n
      1. C\u00e1ch k\u1ec3 chuy\u1ec7n t\u1ed1t h\u01a1n v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a c\u00f4ng l\u00fd ch\u1ee7ng t\u1ed9c<\/strong>. <\/li>\n<\/ol>\n\n\n\n

        Vi\u1ec7c tri\u1ec3n khai Tableau Dashboards \u0111\u00e3 cho ph\u00e9p PCV k\u1ec3 chuy\u1ec7n b\u1eb1ng d\u1eef li\u1ec7u m\u1ea1nh m\u1ebd v\u1ec1 c\u00e1c k\u1ebft qu\u1ea3 b\u00ecnh \u0111\u1eb3ng ch\u1ee7ng t\u1ed9c v\u00e0 th\u00fac \u0111\u1ea9y vi\u1ec7c l\u00e0m t\u1ed1t. \u0110\u1ec3 h\u1ed7 tr\u1ee3 B\u00e1o c\u00e1o T\u00e1c \u0111\u1ed9ng X\u00e3 h\u1ed9i n\u0103m 2021 c\u1ee7a PCV<\/a>, Ch\u00fang t\u00f4i \u0111\u00e3 s\u1eed d\u1ee5ng t\u00ednh n\u0103ng Storyboard trong Tableau \u0111\u1ec3 tr\u1ef1c quan h\u00f3a t\u00e1c \u0111\u1ed9ng c\u1ee7a m\u00ecnh cho c\u00e1c nh\u00e0 t\u00e0i tr\u1ee3, \u0111\u1ed1i t\u00e1c v\u00e0 nh\u00e2n vi\u00ean. V\u00ed d\u1ee5, m\u1ed9t bi\u1ec3u \u0111\u1ed3 cho th\u1ea5y c\u00e1c kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf do ng\u01b0\u1eddi da m\u00e0u l\u00e3nh \u0111\u1ea1o ph\u1ea7n l\u1edbn \u0111\u00e3 v\u01b0\u1ee3t m\u1ee5c ti\u00eau doanh thu c\u1ee7a h\u1ecd trong n\u0103m. Ph\u00e2n t\u00edch theo ng\u00e0nh, ch\u00fang t\u00f4i c\u00f3 th\u1ec3 th\u1ea5y ng\u00e0nh l\u1edbn nh\u1ea5t c\u1ee7a m\u00ecnh l\u00e0 D\u1ecbch v\u1ee5 L\u01b0u tr\u00fa v\u00e0 \u0102n u\u1ed1ng \u0111\u00e3 \u0111\u1ea1t doanh thu trung b\u00ecnh $720.000, v\u01b0\u1ee3t qua m\u1ee9c doanh thu trung b\u00ecnh mong mu\u1ed1n l\u00e0 $700.000. L\u00e0 m\u1ed9t th\u01b0\u1edbc \u0111o v\u1ec1 kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o gi\u1eefa c\u00e1c ch\u1ee7ng t\u1ed9c, \u0111i\u1ec1u n\u00e0y ch\u1ee9ng minh kh\u1ea3 n\u0103ng c\u1ee7a PCV trong vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u theo ch\u1ee7ng t\u1ed9c v\u00e0 \u0111i s\u00e2u h\u01a1n v\u00e0o c\u00e1c k\u1ebft qu\u1ea3 c\u1ee5 th\u1ec3 nh\u01b0 "ba ph\u1ea7n t\u01b0 s\u1ed1 doanh nh\u00e2n cho bi\u1ebft s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a PCV \u0111\u00e3 \u0111\u00f3ng g\u00f3p h\u1eefu h\u00ecnh v\u00e0o th\u00e0nh c\u00f4ng c\u1ee7a h\u1ecd". Ngo\u00e0i ra, Tableau \u0111\u00e3 gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u kinh doanh cho c\u00e1c nh\u00f3m ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a ch\u00fang t\u00f4i. Vi\u1ec7c k\u1ebft n\u1ed1i d\u1eef li\u1ec7u tr\u1ef1c ti\u1ebfp, d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c l\u00e0m s\u1ea1ch t\u1ef1 \u0111\u1ed9ng t\u1eeb Snowflake v\u1edbi Tableau \u0111\u00e3 mang \u0111\u1ebfn cho nh\u00e2n vi\u00ean m\u1ed9t c\u00e1i nh\u00ecn m\u1edbi v\u1ec1 qu\u1ea3n l\u00fd qu\u1ef9, theo d\u00f5i c\u00e1c l\u01b0\u1ee3t gi\u1edbi thi\u1ec7u v\u00e0 \u0111o l\u01b0\u1eddng m\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng c\u1ee7a m\u00f4 h\u00ecnh t\u00edch h\u1ee3p c\u1ee7a ch\u00fang t\u00f4i \u0111\u1ebfn k\u1ebft qu\u1ea3 kinh doanh.<\/p>\n\n\n\n

        \"\"<\/figure>\n\n\n\n

        <\/p>\n\n\n\n

        Ch\u00fang t\u00f4i nh\u1eadn th\u1ea5y r\u1eb1ng ch\u00fang t\u00f4i kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c duy nh\u1ea5t \u0111ang tr\u1ea3i qua qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i d\u1eef li\u1ec7u v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t CDFI. V\u00ec v\u1eady, ch\u00fang t\u00f4i \u0111ang \u0111\u00e1nh gi\u00e1 ti\u1ec1m n\u0103ng t\u1ea1o ra m\u1ed9t c\u1ed9ng \u0111\u1ed3ng h\u1ecdc t\u1eadp \u0111\u1ec3 h\u1ed7 tr\u1ee3 nh\u1eefng ng\u01b0\u1eddi kh\u00e1c trong qu\u00e1 tr\u00ecnh n\u00e0y. N\u1ebfu b\u1ea1n quan t\u00e2m \u0111\u1ebfn vi\u1ec7c t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u v\u00e0 tr\u1ef1c quan h\u00f3a d\u1eef li\u1ec7u \u0111\u1ec3 t\u1ea1o ra t\u00e1c \u0111\u1ed9ng, vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi Kenneth Kitahata theo \u0111\u1ecba ch\u1ec9 kkitahata@pcvmail.org.<\/em><\/p>","protected":false},"excerpt":{"rendered":"

        T\u00e1c gi\u1ea3: Kenneth Kitahata, Gi\u00e1m \u0111\u1ed1c D\u1eef li\u1ec7u & Ph\u00e2n t\u00edch. Pacific Community Ventures (PCV) l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng phi l\u1ee3i nhu\u1eadn 501(c)(3) v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI). N\u0103m 2022, m\u00f4 h\u00ecnh \u201ccho vay + t\u01b0 v\u1ea5n\u201d t\u00edch h\u1ee3p c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 tri\u1ec3n khai $9M kho\u1ea3n vay v\u00e0 gi\u00fap h\u01a1n 2000 ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf thu\u1ed9c nh\u00f3m ng\u01b0\u1eddi da m\u00e0u, ph\u1ee5 n\u1eef v\u00e0 nh\u1eefng ng\u01b0\u1eddi b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p kh\u00e1c t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t v\u1edbi ph\u1ea9m gi\u00e1, gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0\u2026<\/p>","protected":false},"author":61,"featured_media":20191,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[36,37],"tags":[],"class_list":["post-20203","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\/20203","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=20203"}],"version-history":[{"count":0,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/20203\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media\/20191"}],"wp:attachment":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media?parent=20203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/categories?post=20203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/tags?post=20203"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}