{"id":22183,"date":"2023-06-28T17:19:22","date_gmt":"2023-06-29T00:19:22","guid":{"rendered":"https:\/\/www.pacificcommunityventures.org\/?p=22183"},"modified":"2023-06-28T17:19:22","modified_gmt":"2023-06-29T00:19:22","slug":"25-nam-tao-anh-huong-hanh-trinh-cua-cdfi-tu-dau-tu-tac-dong-den-von-phuc-hoi-uu-tien-tac-dong","status":"publish","type":"post","link":"https:\/\/www.pacificcommunityventures.org\/vi\/2023\/06\/28\/25-years-of-impact-a-cdfis-journey-from-impact-investing-to-impact-first-restorative-capital\/","title":{"rendered":"25 N\u0103m T\u1ea1o \u1ea2nh H\u01b0\u1edfng: H\u00e0nh Tr\u00ecnh c\u1ee7a m\u1ed9t T\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh Ph\u00e1t tri\u1ec3n C\u1ed9ng \u0111\u1ed3ng (CDFI) t\u1eeb \u0110\u1ea7u t\u01b0 T\u00e1c \u0111\u1ed9ng X\u00e3 h\u1ed9i \u0111\u1ebfn V\u1ed1n Ph\u1ee5c h\u1ed3i \u01afu ti\u00ean T\u00e1c \u0111\u1ed9ng X\u00e3 h\u1ed9i"},"content":{"rendered":"

T\u00e1c gi\u1ea3: Bud Colligan, \u0110\u1ed3ng s\u00e1ng l\u1eadp PCV, v\u00e0 Bulbul Gupta, Ch\u1ee7 t\u1ecbch ki\u00eam Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh PCV<\/em><\/p>\n\n\n\n

C\u00e2u chuy\u1ec7n v\u1ec1 Pacific Community Ventures b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ed9t c\u00e2u h\u1ecfi v\u00e0o n\u0103m 1998<\/a> Trong th\u1eddi k\u1ef3 \u0111\u1ec9nh cao c\u1ee7a bong b\u00f3ng dot.com: l\u00e0m th\u1ebf n\u00e0o m\u1ed9t thi\u00ean \u0111\u01b0\u1eddng kh\u1edfi nghi\u1ec7p nh\u01b0 Thung l\u0169ng Silicon c\u00f3 th\u1ec3 cung c\u1ea5p ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 nh\u00e2n l\u1ef1c cho c\u00e1c c\u1ed9ng \u0111\u1ed3ng thu nh\u1eadp th\u1ea5p \u0111\u1ec3 t\u1ea1o ra m\u1ed9t n\u1ec1n kinh t\u1ebf to\u00e0n di\u1ec7n h\u01a1n? M\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn t\u00edch h\u1ee3p \u0111\u1ed9c \u0111\u00e1o gi\u1eefa v\u1ed1n v\u00e0 t\u01b0 v\u1ea5n.<\/a> PCV \u0111\u01b0\u1ee3c \u01b0\u01a1m m\u1ea7m tr\u00ean \u0110\u1ea1i l\u1ed9 University \u1edf Palo Alto \u0111\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi n\u00e0y: c\u1ea7n nh\u1eefng g\u00ec \u0111\u1ec3 kh\u00f4ng ch\u1ec9 cung c\u1ea5p v\u1ed1n gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng cho c\u00e1c doanh nh\u00e2n trong v\u00e0 \u0111\u1ebfn t\u1eeb c\u00e1c c\u1ed9ng \u0111\u1ed3ng c\u00f3 thu nh\u1eadp th\u1ea5p, m\u00e0 c\u00f2n x\u00e2y d\u1ef1ng xung quanh h\u1ecd m\u1ed9t m\u1ea1ng l\u01b0\u1edbi c\u00e1c ngu\u1ed3n l\u1ef1c v\u00e0 h\u1ed7 tr\u1ee3 ph\u1ed5 bi\u1ebfn trong b\u1ed1i c\u1ea3nh h\u00e0ng ng\u00e0y c\u1ee7a Thung l\u0169ng Silicon? M\u01b0\u1eddi n\u0103m tr\u01b0\u1edbc khi c\u1ee5m t\u1eeb \u201c\u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng\u201d \u0111\u01b0\u1ee3c \u0111\u1eb7t ra, s\u1ef1 th\u00e0nh l\u1eadp c\u1ee7a PCV \u0111\u00e3 bi\u1ebfn n\u00f3 tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 \u01b0u ti\u00ean t\u00e1c \u0111\u1ed9ng \u0111\u1ea7u ti\u00ean trong c\u1ea3 n\u01b0\u1edbc. <\/p>\n\n\n\n

Trong su\u1ed1t th\u1eddi gian \u0111\u00f3, ch\u00fang t\u00f4i \u0111\u00e3 t\u1eadn m\u1eaft ch\u1ee9ng ki\u1ebfn c\u00e1ch c\u00e1c trung t\u00e2m kh\u1edfi nghi\u1ec7p kh\u00e1c tr\u00ean kh\u1eafp n\u01b0\u1edbc M\u1ef9 nh\u01b0 Austin, Seattle, Los Angeles, New York v\u00e0 nhi\u1ec1u n\u01a1i kh\u00e1c li\u00ean t\u1ee5c ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd nh\u1edd hi\u1ec7u \u1ee9ng m\u1ea1ng l\u01b0\u1edbi c\u1ee7a c\u00e1c \u00fd t\u01b0\u1edfng, c\u1ed1 v\u1ea5n, v\u1ed1n v\u00e0 nh\u00e2n t\u00e0i. Gi\u1ea3 thuy\u1ebft ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i t\u1ea1i PCV l\u00e0: Vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n v\u00e0 m\u1ea1ng l\u01b0\u1edbi c\u00e1c c\u1ed1 v\u1ea5n \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc v\u00e0 sau \u0111\u1ea7u t\u01b0 ch\u1ea5t l\u01b0\u1ee3ng cao s\u1ebd th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n kinh t\u1ebf b\u1ec1n v\u1eefng v\u00e0 to\u00e0n di\u1ec7n, t\u1ea1o vi\u1ec7c l\u00e0m t\u1ea1i c\u00e1c c\u1ed9ng \u0111\u1ed3ng thi\u1ebfu th\u1ed1n, nu\u00f4i d\u01b0\u1ee1ng s\u1ef1 gi\u00e0u c\u00f3 v\u00e0 th\u1ecbnh v\u01b0\u1ee3ng gi\u00fap duy tr\u00ec Gi\u1ea5c m\u01a1 M\u1ef9 v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. <\/em><\/p>\n\n\n\n

Ch\u00fang t\u00f4i t\u1ef1 h\u00e0o kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng trong su\u1ed1t 25 n\u0103m qua, ch\u00fang t\u00f4i \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng th\u00e0nh t\u1ef1u sau:<\/p>\n\n\n\n

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  1. \u0110\u00e3 \u0111\u1ea7u t\u01b0 h\u01a1n 1 t\u1ef7 4 t\u1ef7 \u0111\u00f4 la v\u1ed1n v\u00e0o c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh cho vay v\u00e0 ph\u00e1t h\u00e0nh c\u1ed5 ph\u1ea7n tr\u00ean kh\u1eafp California; bao g\u1ed3m g\u1ea7n 1 t\u1ef7 4 t\u1ef7 \u0111\u00f4 la trong nh\u1eefng n\u0103m k\u1ec3 t\u1eeb khi ch\u00fang t\u00f4i tr\u1edf th\u00e0nh m\u1ed9t b\u00ean cho vay. <\/em><\/li>\n\n\n\n
  2. \u0110\u00e3 t\u01b0 v\u1ea5n cho h\u01a1n 3.500 doanh nh\u00e2n kinh doanh nh\u1ecf tr\u00ean kh\u1eafp c\u1ea3 n\u01b0\u1edbc. <\/em><\/li>\n\n\n\n
  3. H\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p duy tr\u00ec h\u01a1n 21.000 vi\u1ec7c l\u00e0m. <\/em><\/li>\n\n\n\n
  4. H\u1ed7 tr\u1ee3 c\u00e1c doanh nh\u00e2n v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i trong vi\u1ec7c x\u00e2y d\u1ef1ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh v\u00e0 t\u1ea1o d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 th\u00f4ng qua nh\u1eefng c\u00f4ng vi\u1ec7c ch\u1ea5t l\u01b0\u1ee3ng cao.<\/em><\/li>\n<\/ol>\n\n\n\n

    V\u1ed1n \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n, doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 vi\u1ec7c l\u00e0m \u0111\u01b0\u1ee3c t\u1ea1o ra.<\/em><\/strong><\/p>\n\n\n\n

    N\u0103m 1999, ch\u00fang t\u00f4i \u0111\u00e3 ph\u00e1t tri\u1ec3n t\u1eeb giai \u0111o\u1ea1n kh\u1edfi nghi\u1ec7p c\u1ee7a doanh nghi\u1ec7p x\u00e3 h\u1ed9i c\u1ee7a m\u00ecnh th\u00e0nh... \u0111\u1ea7u t\u01b0 v\u1ed1n c\u1ed5 ph\u1ea7n v\u00e0o 6 c\u00f4ng ty<\/a> Tr\u00ean kh\u1eafp khu v\u1ef1c South Bay, ch\u00fang t\u00f4i cam k\u1ebft t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c ch\u1ea5t l\u01b0\u1ee3ng t\u1ed1t. Nghi\u00ean c\u1ee9u v\u00e0 kinh nghi\u1ec7m c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 d\u1eabn \u0111\u1ebfn vi\u1ec7c PCV \u01b0u ti\u00ean c\u00e1c doanh nghi\u1ec7p nh\u1ecf nh\u01b0 nh\u1eefng nh\u00e0 s\u1ea3n xu\u1ea5t vi\u1ec7c l\u00e0m kh\u00f4ng th\u1ec3 thi\u1ebfu, th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng \u0111\u1ecba ph\u01b0\u01a1ng. Trong v\u00e0i n\u0103m ti\u1ebfp theo, PCV \u0111\u00e3 x\u00e2y d\u1ef1ng m\u1ed9t l\u1ed9 tr\u00ecnh \u0111\u1ec3 t\u1eadn d\u1ee5ng nh\u1eefng th\u1ebf m\u1ea1nh \u0111\u1ed9c \u0111\u00e1o c\u1ee7a m\u00ecnh trong vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c doanh nh\u00e2n ngay t\u1eeb khi h\u1ecd b\u1eaft \u0111\u1ea7u s\u1ef1 nghi\u1ec7p. c\u1ee7a h\u1ecd<\/em> Con \u0111\u01b0\u1eddng d\u1eabn \u0111\u1ebfn gi\u1ea5c m\u01a1 M\u1ef9. <\/p>\n\n\n\n

    Sau khi thu th\u1eadp d\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch c\u00e1c nghi\u00ean c\u1ee9u tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh nh\u1eefng l\u0129nh v\u1ef1c ch\u00ednh m\u00e0 th\u1ecb tr\u01b0\u1eddng v\u00e0 n\u1ec1n kinh t\u1ebf truy\u1ec1n th\u1ed1ng \u0111\u00e3 th\u1ea5t b\u1ea1i, ch\u00fang t\u00f4i b\u1eaft \u0111\u1ea7u xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a m\u00ecnh \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh nh\u1eefng \u0111i\u1ec3m c\u1ea7n c\u1ea3i thi\u1ec7n nh\u1eb1m n\u00e2ng cao t\u1ef7 l\u1ec7 th\u00e0nh c\u00f4ng c\u1ee7a c\u00e1c c\u00f4ng ty. <\/p>\n\n\n\n

    N\u0103m 2008, PCV ra m\u1eaft s\u1ea3n ph\u1ea9m \u0111\u1ea7u ti\u00ean c\u1ee7a m\u00ecnh. Vi\u1ec7c l\u00e0m t\u1ed1t, kinh doanh t\u1ed1t<\/a> Khung ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y nh\u1eb1m cung c\u1ea5p cho c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf nh\u1eefng l\u1eddi khuy\u00ean ph\u00f9 h\u1ee3p v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh h\u1ecdc t\u1eadp chuy\u00ean nghi\u1ec7p v\u1ec1 c\u00e1ch ph\u00e1t tri\u1ec3n doanh nghi\u1ec7p theo h\u01b0\u1edbng c\u00f3 l\u1ee3i cho ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u1ee7a h\u1ecd. V\u00e0<\/em> M\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng c\u1ee7a h\u1ecd \u2013 c\u00e1ch ti\u1ebfp c\u1eadn \u201cl\u1ee3i nhu\u1eadn k\u00e9p\u201d v\u1ed1n l\u00e0 m\u1ed9t ph\u1ea7n trong qu\u00e1 tr\u00ecnh h\u00ecnh th\u00e0nh l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i. V\u1edbi $100 tri\u1ec7u \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng ty t\u1ea1o vi\u1ec7c l\u00e0m<\/a> V\u1edbi h\u01a1n 2.000 c\u00f4ng ty \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed cho \u0111\u1ebfn nay, danh m\u1ee5c c\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u1ee7a ch\u00fang t\u00f4i kh\u00f4ng nh\u1eefng kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1eef nguy\u00ean v\u1eb9n, nh\u01b0ng c\u0169ng \u0111\u00e3 ch\u1ee9ng ki\u1ebfn s\u1ef1 t\u0103ng tr\u01b0\u1edfng vi\u1ec7c l\u00e0m 12% trong su\u1ed1t l\u1ecbch s\u1eed c\u1ee7a ch\u00fang t\u00f4i.<\/a><\/p>\n\n\n\n

    T\u01b0 v\u1ea5n t\u1eeb v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u0111\u1ebfn cho vay v\u00e0 m\u1edf r\u1ed9ng quy m\u00f4<\/em><\/strong><\/p>\n\n\n\n

    Sau cu\u1ed9c \u0110\u1ea1i suy tho\u00e1i n\u0103m 2008\/09, ch\u00fang t\u00f4i nh\u1eadn ra r\u1eb1ng c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh c\u1ea7n v\u1ed1n l\u01b0u \u0111\u1ed9ng \u2013 kho\u1ea3n vay d\u00e0i h\u1ea1n \u2013 \u0111\u1ec3 ph\u1ee5c h\u1ed3i, h\u01a1n l\u00e0 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u00f3 kh\u1ea3 n\u0103ng pha lo\u00e3ng c\u1ed5 ph\u1ea7n. N\u0103m 2011, C\u1ee5c Qu\u1ea3n l\u00fd Doanh nghi\u1ec7p Nh\u1ecf (SBA) \u0111\u00e3 trao cho PCV $1 tri\u1ec7u \u0111\u00f4 la \u0111\u1ec3 kh\u1edfi \u0111\u1ed9ng m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh cho vay m\u1edbi, ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a ch\u00fang t\u00f4i. \u201cQu\u1ef9 \u201dVay v\u1ed1n + T\u01b0 v\u1ea5n\u201d<\/a>, \u0110i\u1ec1u \u0111\u00f3 \u0111\u00e3 cho ph\u00e9p PCV chuy\u1ec3n m\u00ecnh tr\u1edf th\u00e0nh m\u1ed9t T\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh Ph\u00e1t tri\u1ec3n C\u1ed9ng \u0111\u1ed3ng (CDFI) c\u1ea5p ti\u1ec3u bang \u1edf California. Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y \u0111\u00e3 l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng "\u1edf gi\u1eefa".\u201c<\/a> Ngu\u1ed3n t\u00e0i tr\u1ee3 cho lu\u1eadn \u0111i\u1ec3m t\u00e1c \u0111\u1ed9ng s\u00e1ng l\u1eadp c\u1ee7a ch\u00fang t\u00f4i, nh\u1eb1m h\u1ed7 tr\u1ee3 c\u00e1c kho\u1ea3n vay kh\u1edfi nghi\u1ec7p v\u00e0 giai \u0111o\u1ea1n \u0111\u1ea7u cho \u0111\u1ebfn c\u00e1c kho\u1ea3n vay cho doanh nghi\u1ec7p nh\u1ecf v\u1edbi s\u1ed1 ti\u1ec1n t\u1eeb 10.000 \u0111\u1ebfn 200.000 b\u1ea3ng Anh. <\/p>\n\n\n\n

    Cu\u1ed1i n\u0103m \u0111\u00f3, khi ng\u00e0y c\u00e0ng r\u00f5 r\u00e0ng r\u1eb1ng c\u00e1c h\u1ec7 th\u1ed1ng c\u1ea5p qu\u1ed1c gia c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i, PCV \u0111\u00e3 t\u1eadp trung m\u1ea1nh h\u01a1n v\u00e0o c\u00e1c ph\u01b0\u01a1ng ph\u00e1p d\u1ef1a tr\u00ean b\u1eb1ng ch\u1ee9ng v\u00e0 d\u1eef li\u1ec7u \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ee9 m\u1ec7nh c\u1ee7a m\u00ecnh. B\u00e1o c\u00e1o InSight c\u1ee7a PCV v\u1edbi Qu\u1ef9 Rockefeller, \u201c\u0110\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng<\/a>,"Cu\u1ed1n s\u00e1ch n\u00e0y \u0111\u00e3 tr\u1edf th\u00e0nh s\u00e1ch \u0111\u01b0\u1ee3c Nh\u00e0 Tr\u1eafng khuy\u1ebfn ngh\u1ecb \u0111\u1ecdc v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3." H\u1ed9i ngh\u1ecb th\u01b0\u1ee3ng \u0111\u1ec9nh v\u1ec1 n\u1ec1n kinh t\u1ebf t\u00e1c \u0111\u1ed9ng<\/a>. PCV c\u0169ng l\u1ecdt v\u00e0o danh s\u00e1ch Forbes Impact 30.<\/a> Danh s\u00e1ch n\u00e0y n\u00eau b\u1eadt nh\u1eefng nh\u00e0 kh\u1edfi nghi\u1ec7p x\u00e3 h\u1ed9i h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi, khi M\u1ef9 th\u00e0nh l\u1eadp l\u1ef1c l\u01b0\u1ee3ng \u0111\u1eb7c nhi\u1ec7m qu\u1ed1c gia \u0111\u1ea7u ti\u00ean v\u1ec1 \u0110\u1ea7u t\u01b0 T\u00e1c \u0111\u1ed9ng t\u1ea1i Nh\u00e0 Tr\u1eafng d\u01b0\u1edbi th\u1eddi Obama.<\/p>\n\n\n\n

    \u0110\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ec1 d\u1ecbch v\u1ee5 ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 t\u01b0 v\u1ea5n gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng, ch\u00fang t\u00f4i c\u0169ng \u0111\u00e3 m\u1edf r\u1ed9ng ch\u01b0\u01a1ng tr\u00ecnh t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed v\u00e0 kh\u1edfi x\u01b0\u1edbng m\u1ed9t s\u00e1ng ki\u1ebfn \u0111\u00e3 tr\u1edf th\u00e0nh... Businessadvising.org<\/a>. N\u1ec1n t\u1ea3ng n\u00e0y k\u1ebft n\u1ed1i c\u00e1c doanh nh\u00e2n c\u1ee7a ch\u00fang t\u00f4i v\u1edbi c\u00e1c c\u1ed1 v\u1ea5n t\u1eeb c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p, c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn, c\u00e1c c\u00f4ng ty t\u01b0 v\u1ea5n v\u00e0 c\u00e1c c\u00f4ng ty thu\u1ed9c Fortune 500 \u0111\u1ec3 cung c\u1ea5p h\u1ed7 tr\u1ee3 chuy\u00ean bi\u1ec7t mi\u1ec5n ph\u00ed v\u00e0 gi\u1ea3i quy\u1ebft c\u00e1c th\u00e1ch th\u1ee9c kinh doanh th\u1ef1c t\u1ebf. M\u1eb7c d\u00f9 c\u00e1c doanh nh\u00e2n c\u1ee7a m\u00e0u s\u1eafc<\/a>\u2013 c\u1ee5 th\u1ec3 l\u00e0 C\u00e1c n\u1eef doanh nh\u00e2n BIPOC (Ng\u01b0\u1eddi da \u0111en, ng\u01b0\u1eddi b\u1ea3n \u0111\u1ecba v\u00e0 ng\u01b0\u1eddi da m\u00e0u) \u2013<\/a> M\u1eb7c d\u00f9 \u0111\u00e2y l\u00e0 ph\u00e2n kh\u00fac doanh nghi\u1ec7p m\u1edbi ph\u00e1t tri\u1ec3n nhanh nh\u1ea5t trong n\u1ec1n kinh t\u1ebf M\u1ef9, nh\u01b0ng s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea cho th\u1ea5y r\u00f5 s\u1ef1 b\u1ea5t b\u00ecnh \u0111\u1eb3ng trong kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n l\u01b0u \u0111\u1ed9ng v\u00e0 m\u1ea1ng l\u01b0\u1edbi c\u1ed1 v\u1ea5n c\u1ee7a h\u1ecd. Businessadvising.org<\/a> T\u1ed5 ch\u1ee9c n\u00e0y gi\u1ea3i quy\u1ebft tr\u1ef1c ti\u1ebfp s\u1ef1 b\u1ea5t b\u00ecnh \u0111\u1eb3ng \u0111\u00f3 b\u1eb1ng c\u00e1ch cung c\u1ea5p t\u01b0 v\u1ea5n v\u1ec1 c\u1ed1 v\u1ea5n v\u00e0 chu\u1ea9n b\u1ecb v\u1ed1n vay cho c\u00e1c doanh nh\u00e2n kinh doanh nh\u1ecf ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u0111\u1ea7y \u0111\u1ee7 tr\u00ean to\u00e0n qu\u1ed1c.  <\/p>\n\n\n\n

    N\u0103m 2019, PCV \u0111\u00e3 \u0111\u01b0a ch\u00fang t\u00f4i \u0111\u1ebfn \u0111\u00e2y. Vi\u1ec7c l\u00e0m t\u1ed1t, kinh doanh t\u1ed1t<\/em> x\u00e2y d\u1ef1ng khu\u00f4n kh\u1ed5 tr\u00ean to\u00e0n qu\u1ed1c v\u00e0 t\u1ea1o ra b\u1ed9 c\u00f4ng c\u1ee5 tr\u1ef1c tuy\u1ebfn \u2013 Vi\u1ec7c l\u00e0m t\u1ed1t, kinh doanh t\u1ed1t<\/em><\/a>B\u1ed9 c\u00f4ng c\u1ee5 d\u00e0nh cho doanh nghi\u1ec7p nh\u1ecf nh\u1eb1m t\u1ea1o ra vi\u1ec7c l\u00e0m gi\u00fap t\u0103ng l\u1ee3i nhu\u1eadn.  <\/em>Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y cung c\u1ea5p c\u00e1c ph\u1ea7n th\u01b0\u1edfng v\u00e0 \u01b0u \u0111\u00e3i t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi vay n\u1ed7 l\u1ef1c h\u01b0\u1edbng t\u1edbi vi\u1ec7c cung c\u1ea5p m\u1ee9c l\u01b0\u01a1ng \u0111\u1ee7 s\u1ed1ng, ph\u00fac l\u1ee3i, v\u00e0 c\u01a1 h\u1ed9i x\u00e2y d\u1ef1ng s\u1ef1 nghi\u1ec7p v\u00e0 t\u00e0i s\u1ea3n, t\u1ea1o n\u00ean m\u1ed9t c\u00f4ng vi\u1ec7c t\u1ed1t. Vi\u1ec7c b\u1ed5 sung... Vi\u1ec7c l\u00e0m t\u1ed1t, kinh doanh t\u1ed1t<\/em> B\u1ed9 c\u00f4ng c\u1ee5 d\u00e0nh cho c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a BusinessAdvising.org <\/em>\u0110\u00e3 gi\u00fap m\u1edf r\u1ed9ng c\u00e1c m\u1eb9o, h\u01b0\u1edbng d\u1eabn v\u00e0 v\u00ed d\u1ee5 th\u1ef1c ti\u1ec5n \u0111\u1ec3 gi\u1ea3m t\u1ef7 l\u1ec7 th\u00f4i vi\u1ec7c c\u1ee7a nh\u00e2n vi\u00ean v\u00e0 n\u00e2ng cao k\u1ebft qu\u1ea3 kinh doanh. <\/p>\n\n\n\n

    \u0110\u1eb7t quy\u1ec1n c\u00f4ng d\u00e2n v\u00e0 b\u00ecnh \u0111\u1eb3ng ch\u1ee7ng t\u1ed9c l\u00e0m tr\u1ecdng t\u00e2m trong m\u1ecdi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang t\u00f4i.<\/em><\/strong><\/p>\n\n\n\n

    Ngay t\u1eeb khi th\u00e0nh l\u1eadp, 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 M\u1ef9. C\u00e1c T\u1ed5 ch\u1ee9c T\u00e0i ch\u00ednh Ph\u00e1t tri\u1ec3n C\u1ed9ng \u0111\u1ed3ng (CDFI) \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh t\u1eeb Phong tr\u00e0o D\u00e2n quy\u1ec1n v\u1edbi m\u1ee5c \u0111\u00edch r\u00f5 r\u00e0ng v\u00e0 tuy\u00ean b\u1ed1 c\u1ee7a li\u00ean bang l\u00e0 cung c\u1ea5p v\u1ed1n cho c\u00e1c c\u1ed9ng \u0111\u1ed3ng thu nh\u1eadp th\u1ea5p v\u00e0 c\u1ed9ng \u0111\u1ed3ng ng\u01b0\u1eddi da m\u00e0u \u0111\u1ec3 x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3. V\u00e0o cu\u1ed1i n\u0103m 2019, khi ch\u00fang t\u00f4i xem x\u00e9t l\u1ea1i \u00fd ngh\u0129a c\u1ee7a vi\u1ec7c k\u1ebft n\u1ed1i th\u1ebf gi\u1edbi \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i v\u00e0 tr\u1ecdng t\u00e2m d\u00e2n quy\u1ec1n \u0111\u1ed1i v\u1edbi CDFI, ch\u00fang t\u00f4i \u0111\u00e3 \u0111\u00e1nh gi\u00e1 l\u1ea1i m\u1ecdi th\u1ee9. Li\u1ec7u ch\u00fang ta c\u00f3 th\u1ef1c s\u1ef1 thi\u1ebft k\u1ebf v\u00e0 h\u01b0\u1edbng t\u1edbi nh\u1eefng k\u1ebft qu\u1ea3 x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 v\u1ec1 b\u00ecnh \u0111\u1eb3ng gi\u1edbi v\u00e0 ch\u1ee7ng t\u1ed9c \u2013 d\u00e0nh cho, c\u00f9ng v\u1edbi v\u00e0 b\u1edfi c\u00e1c c\u1ed9ng \u0111\u1ed3ng b\u1ecb \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u nh\u1ea5t, v\u00e0 c\u00f3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1eb1ng l\u1eddi n\u00f3i v\u00e0 h\u00e0nh \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi s\u1ee9 m\u1ec7nh n\u00e0y hay kh\u00f4ng?<\/em><\/p>\n\n\n\n

    V\u1edbi r\u1ea5t nhi\u1ec1u c\u1ed9ng \u0111\u1ed3ng ng\u01b0\u1eddi da m\u00e0u \u0111ang ph\u1ea3i v\u1eadt l\u1ed9n v\u1edbi nh\u1eefng b\u1ea5t c\u00f4ng b\u1eaft ngu\u1ed3n t\u1eeb qu\u00e1 kh\u1ee9, chi\u1ebfn l\u01b0\u1ee3c m\u1edbi c\u1ee7a ch\u00fang t\u00f4i \u0111\u01b0\u1ee3c tri\u1ec3n khai v\u00e0o n\u0103m 2022 nh\u1eb1m m\u1ee5c \u0111\u00edch... T\u00e1i \u0111\u1ecbnh h\u00ecnh, d\u00e2n ch\u1ee7 h\u00f3a v\u00e0 ph\u1ee5c h\u1ed3i<\/em> \u0110i\u1ec1u n\u00e0y th\u00fac \u0111\u1ea9y c\u00e1c gi\u00e1 tr\u1ecb n\u1ec1n t\u1ea3ng c\u1ee7a PCV tr\u1edf th\u00e0nh nguy\u00ean t\u1eafc c\u1ee7a ch\u00fang t\u00f4i cho t\u01b0\u01a1ng lai. Ch\u00fang t\u00f4i \u0111ang t\u00edch c\u1ef1c n\u1ed7 l\u1ef1c \u0111\u1ec3 l\u00e0m cho qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh ch\u01b0\u01a1ng tr\u00ecnh cho vay v\u1ed1n c\u1ee7a m\u00ecnh tr\u1edf n\u00ean to\u00e0n di\u1ec7n h\u01a1n, b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng ph\u00e2n t\u00edch danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 ph\u1ea3n h\u1ed3i t\u1eeb c\u1ed9ng \u0111\u1ed3ng; \u0111\u1ec3 d\u00e2n ch\u1ee7 h\u00f3a <\/em>ti\u1ebfp c\u1eadn c\u1ea3 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh cho vay gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng v\u00e0 t\u01b0 v\u1ea5n kinh doanh th\u00f4ng qua c\u00e1c m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c d\u1ef1a tr\u00ean s\u1ef1 tin t\u01b0\u1edfng s\u00e2u s\u1eafc h\u01a1n v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c c\u1ed9ng \u0111\u1ed3ng; v\u00e0 \u0111\u1ec3 c\u00f3 t\u00e1c d\u1ee5ng ph\u1ee5c h\u1ed3i<\/em> T\u1ea1i nh\u1eefng n\u01a1i ch\u00fang t\u00f4i hi\u1ec7n di\u1ec7n, ch\u00fang t\u00f4i \u0111\u1ea3m b\u1ea3o r\u1eb1ng m\u00ecnh \u0111ang \u0111\u1ec3 l\u1ea1i nh\u1eefng h\u00e0nh tr\u00ecnh x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3. Gi\u1edd \u0111\u00e2y, ch\u00fang t\u00f4i t\u00edch h\u1ee3p ph\u01b0\u01a1ng ph\u00e1p ba ph\u1ea7n n\u00e0y v\u00e0o thi\u1ebft k\u1ebf v\u00e0 cung c\u1ea5p t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a m\u00ecnh, v\u00e0 li\u00ean t\u1ee5c n\u1ed7 l\u1ef1c thu th\u1eadp ph\u1ea3n h\u1ed3i \u0111\u1ec3 c\u1ea3i thi\u1ec7n v\u00e0 l\u00e0m s\u00e2u s\u1eafc th\u00eam t\u00e1c \u0111\u1ed9ng. <\/p>\n\n\n\n

    N\u0103m 2021, PCV \u0111\u00e3 ra m\u1eaft qu\u1ef9 \u0111\u1ea7u ti\u00ean t\u1eadp trung v\u00e0o t\u00e1c \u0111\u1ed9ng d\u1ef1a tr\u00ean \u0111\u1ecba ph\u01b0\u01a1ng \u2013 Qu\u1ef9 cho vay ph\u1ee5c h\u1ed3i Oakland<\/a> Trong b\u1ed1i c\u1ea3nh \u0111\u1ea1i d\u1ecbch COVID-19 \u2013 m\u1ed9t qu\u1ef9 cho vay doanh nghi\u1ec7p nh\u1ecf kh\u00f4ng thu ph\u00ed, v\u1edbi c\u00e1c kho\u1ea3n vay t\u1eeb 10.000 \u0111\u1ebfn 100.000 \u0111\u00f4 la M\u1ef9 t\u1ea1i n\u0103m khu v\u1ef1c c\u00f3 thu nh\u1eadp th\u1ea5p nh\u1ea5t trong th\u00e0nh ph\u1ed1. Qu\u1ef9 \u0111\u01b0\u1ee3c \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 tri\u1ec3n khai v\u1edbi s\u00e1u t\u1ed5 ch\u1ee9c \u0111\u1ecba ph\u01b0\u01a1ng do ng\u01b0\u1eddi da \u0111en v\u00e0 da m\u00e0u l\u00e3nh \u0111\u1ea1o, g\u1ea7n g\u0169i nh\u1ea5t v\u1edbi c\u1ed9ng \u0111\u1ed3ng c\u1ee7a h\u1ecd. Qu\u1ef9 \u01b0u ti\u00ean nhu c\u1ea7u c\u1ee7a c\u00e1c doanh nh\u00e2n da m\u00e0u \u0111\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 gi\u00fap ch\u1ed1ng l\u1ea1i s\u1ef1 di d\u1eddi v\u00e0 \u0111\u00f4 th\u1ecb h\u00f3a h\u01a1n n\u1eefa t\u1ea1i th\u00e0nh ph\u1ed1 Oakland, n\u01a1i ch\u00fang t\u00f4i \u0111\u1eb7t tr\u1ee5 s\u1edf. V\u1edbi 37 kho\u1ea3n vay cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf t\u1ea1i c\u00e1c khu ph\u1ed1 t\u1eebng b\u1ecb ph\u00e2n bi\u1ec7t \u0111\u1ed1i x\u1eed v\u1ec1 nh\u00e0 \u1edf tr\u00ean kh\u1eafp th\u00e0nh ph\u1ed1, ch\u00fang t\u00f4i \u0111\u00e3 ch\u1ee9ng minh r\u1eb1ng c\u00e1c c\u1ea5u tr\u00fac qu\u1ef9 d\u1ef1a tr\u00ean \u0111\u1ecba \u0111i\u1ec3m, \u0111\u1eb7t t\u00e1c \u0111\u1ed9ng l\u00ean h\u00e0ng \u0111\u1ea7u v\u00e0 d\u00e2n ch\u1ee7 h\u00f3a c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3. <\/p>\n\n\n\n

    Ch\u00fang t\u00f4i \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i c\u00e2u chuy\u1ec7n v\u1ec1 tinh th\u1ea7n kh\u1edfi nghi\u1ec7p to\u00e0n di\u1ec7n v\u00e0 c\u00f9ng thi\u1ebft k\u1ebf c\u00e1c chi\u1ebfn l\u01b0\u1ee3c th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf \u0111\u1ec3 t\u1ea1o d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 v\u1edbi c\u00e1c c\u1ed9ng \u0111\u1ed3ng m\u00e0 ch\u00fang t\u00f4i ph\u1ee5c v\u1ee5. Nh\u00e2n d\u1ecbp k\u1ef7 ni\u1ec7m 25 n\u0103m th\u00e0nh l\u1eadp, PCV tr\u00e2n tr\u1ecdng ngu\u1ed3n g\u1ed1c c\u1ee7a m\u00ecnh v\u1edbi t\u01b0 c\u00e1ch 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 Hoa K\u1ef3, v\u00e0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ed3ng h\u00e0nh c\u00f9ng gi\u1ea5c m\u01a1 c\u1ee7a Phong tr\u00e0o D\u00e2n quy\u1ec1n \u2013 m\u1ed9t n\u01b0\u1edbc M\u1ef9 d\u1ec5 ti\u1ebfp c\u1eadn v\u1edbi t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. Trong 3 n\u0103m qua, ch\u00fang t\u00f4i kh\u00f4ng ch\u1ec9 t\u0103ng g\u1ea5p \u0111\u00f4i danh m\u1ee5c cho vay v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh t\u01b0 v\u1ea5n trong khi v\u1eabn gi\u1eef m\u1ee9c n\u1ee3 x\u1ea5u \u1edf m\u1ee9c th\u1ea5p, m\u00e0 c\u00f2n t\u1ed1i \u0111a h\u00f3a c\u00e1c ch\u1ec9 s\u1ed1 t\u00e1c \u0111\u1ed9ng: 921 t\u1ef7 3 ngh\u00ecn t\u1ef7 \u0111\u00f4 la v\u1ed1n \u0111\u01b0\u1ee3c tri\u1ec3n khai cho c\u00e1c doanh nh\u00e2n da m\u00e0u v\u00e0 ph\u1ee5 n\u1eef, 981 t\u1ef7 3 ngh\u00ecn t\u1ef7 \u0111\u00f4 la v\u1ed1n \u0111\u01b0\u1ee3c tri\u1ec3n khai cho c\u00e1c c\u1ed9ng \u0111\u1ed3ng c\u00f3 thu nh\u1eadp th\u1ea5p v\u00e0 trung b\u00ecnh, v\u00e0 ch\u00fang t\u00f4i \u0111\u00e3 t\u0103ng g\u1ea5p ba s\u1ed1 l\u01b0\u1ee3ng doanh nghi\u1ec7p nh\u1ecf tham gia ch\u01b0\u01a1ng tr\u00ecnh Vi\u1ec7c l\u00e0m T\u1ed1t v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a ch\u00fang t\u00f4i. <\/p>\n\n\n\n

    25 n\u0103m t\u1edbi s\u1ebd mang \u0111\u1ebfn \u0111i\u1ec1u g\u00ec cho PCV v\u00e0 l\u0129nh v\u1ef1c c\u1ee7a ch\u00fang ta?<\/em><\/strong><\/p>\n\n\n\n

    Ch\u1ed3i<\/em> \u2013 T\u00f4i mu\u1ed1n th\u1ea5y m\u00f4 h\u00ecnh PCV \u0111\u01b0\u1ee3c nh\u00e2n r\u1ed9ng v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 h\u1ed7 tr\u1ee3 tr\u00ean to\u00e0n qu\u1ed1c t\u1eeb c\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p v\u00e0 \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m. M\u1ed9t m\u1ea1ng l\u01b0\u1edbi c\u1ed1 v\u1ea5n gi\u00e0u kinh nghi\u1ec7m v\u1eefng m\u1ea1nh t\u1ed3n t\u1ea1i \u1edf m\u1ecdi th\u00e0nh ph\u1ed1 v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c doanh nh\u00e2n \u1edf c\u00e1c c\u1ed9ng \u0111\u1ed3ng c\u00f3 thu nh\u1eadp th\u1ea5p. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u00fang ta m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi c\u1ed1 v\u1ea5n m\u1ea1nh m\u1ebd tr\u00ean to\u00e0n qu\u1ed1c? L\u00e0m th\u1ebf n\u00e0o ch\u00fang ta c\u00f3 th\u1ec3 huy \u0111\u1ed9ng th\u00eam nhi\u1ec1u v\u1ed1n h\u01a1n cho v\u1ea5n \u0111\u1ec1 n\u00e0y? Qu\u1ef9 C\u01a1 h\u1ed9i (Opportunity Fund), n\u01a1i t\u00f4i \u0111\u00e3 ph\u1ee5c v\u1ee5 trong Ban C\u1ed1 v\u1ea5n nhi\u1ec1u n\u0103m, \u0111\u00e3 th\u1ef1c s\u1ef1 b\u1eaft \u0111\u1ea7u m\u1edf r\u1ed9ng quy m\u00f4 \u0111\u1ec3 n\u1eafm b\u1eaft \u201cc\u01a1 h\u1ed9i\u201d tr\u01b0\u1edbc m\u1eaft. PCV c\u00f3 th\u1ec3 l\u00e0m \u0111i\u1ec1u t\u01b0\u01a1ng t\u1ef1 nh\u01b0 th\u1ebf n\u00e0o? B\u00ed quy\u1ebft th\u00e0nh c\u00f4ng c\u1ee7a PCV c\u00f3 th\u1ec3 n\u1eb1m \u1edf m\u1ea1ng l\u01b0\u1edbi c\u1ed1 v\u1ea5n c\u1ee7a n\u00f3. C\u00f3 nhi\u1ec1u t\u1ed5 ch\u1ee9c cung c\u1ea5p v\u1ed1n, nh\u01b0ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m.<\/p>\n\n\n\n

    Bulbul<\/em> \u2013 T\u1ea7m nh\u00ecn c\u1ee7a t\u00f4i \u0111\u1ed1i v\u1edbi PCV l\u00e0 th\u1ec3 hi\u1ec7n nh\u1eefng gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i; t\u0103ng c\u01b0\u1eddng t\u1eadp trung v\u00e0o vai tr\u00f2 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDFI) ph\u00e2n b\u1ed5 v\u1ed1n m\u1ed9t c\u00e1ch c\u00f4ng b\u1eb1ng; v\u00e0 tr\u1edf th\u00e0nh h\u00ecnh m\u1eabu to\u00e0n qu\u1ed1c v\u1ec1 \u0111\u1ea7u t\u01b0 \u01b0u ti\u00ean t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i \u2013 \u0111i\u1ec1u m\u00e0 ch\u00fang t\u00f4i g\u1ecdi l\u00e0 v\u1ed1n ph\u1ee5c h\u1ed3i<\/em><\/strong>. Gia \u0111\u00ecnh t\u00f4i \u0111\u1ebfn \u0111\u1ea5t n\u01b0\u1edbc n\u00e0y v\u1edbi t\u01b0 c\u00e1ch l\u00e0 nh\u1eefng doanh nh\u00e2n nh\u1eadp c\u01b0 v\u00e0o cu\u1ed1i nh\u1eefng n\u0103m 80, v\u1edbi ni\u1ec1m tin v\u00e0o Gi\u1ea5c m\u01a1 M\u1ef9, m\u1ed9t gi\u1ea5c m\u01a1 m\u00e0 t\u00f4i \u0111\u00e3 kh\u00f4ng ng\u1eebng \u0111\u1ea5u tranh \u0111\u1ec3 gi\u00fap t\u1ea5t c\u1ea3 ng\u01b0\u1eddi M\u1ef9 c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c trong su\u1ed1t s\u1ef1 nghi\u1ec7p c\u1ee7a m\u00ecnh. <\/p>\n\n\n\n

    Ch\u00fang ta ph\u1ea3i \u0111\u1ea7u t\u01b0 v\u00e0o nh\u00f3m 50% ng\u01b0\u1eddi M\u1ef9 c\u00f3 ngu\u1ed3n l\u1ef1c h\u1ea1n ch\u1ebf, nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng ch\u1ec9 \u0111\u1ea1i di\u1ec7n cho \u0111a s\u1ed1 m\u1edbi \u1edf \u0111\u1ea5t n\u01b0\u1edbc n\u00e0y trong 20 n\u0103m t\u1edbi, m\u00e0 c\u00f2n c\u00f3 th\u1ec3 m\u1edf kh\u00f3a m\u1ed9t c\u00fa h\u00edch \u0111\u00e1ng k\u1ec3 cho n\u1ec1n kinh t\u1ebf, kh\u1ea3 n\u0103ng c\u1ea1nh tranh v\u00e0 s\u1ef1 \u0111\u1ed5i m\u1edbi c\u1ee7a ch\u00fang ta tr\u00ean tr\u01b0\u1eddng qu\u1ed1c t\u1ebf. C\u0169ng nh\u01b0 nh\u00f3m 50% ng\u01b0\u1eddi M\u1ef9 \u0111ang l\u00e0m vi\u1ec7c \u1edf \u0111\u00e1y kim t\u1ef1 th\u00e1p kinh t\u1ebf th\u00f4ng qua c\u00e1c c\u00f4ng vi\u1ec7c t\u1ea1o ra c\u1ee7a c\u1ea3i do c\u00e1c doanh nghi\u1ec7p nh\u1ecf t\u1ea1o ra, nh\u1eefng ng\u01b0\u1eddi hi\u1ec3u r\u00f5 c\u1ed9ng \u0111\u1ed3ng c\u1ee7a h\u1ecd nh\u1ea5t. L\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c, ch\u00fang ta s\u1ebd ti\u1ebfn nh\u1eefng b\u01b0\u1edbc d\u00e0i h\u01b0\u1edbng t\u1edbi t\u1ea7m nh\u00ecn n\u00e0y th\u00f4ng qua nh\u1eefng \u0111i\u1ec1u sau:<\/p>\n\n\n\n

    1. Qu\u1ef9 \u0111\u1ed5i m\u1edbi<\/strong> \u2013 Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u1edf tr\u00ean, PCV s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c ph\u01b0\u01a1ng th\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ed5i m\u1edbi nh\u01b0 qu\u1ef9 cho vay ph\u1ee5c h\u1ed3i d\u1ef1a tr\u00ean \u0111\u1ecba \u0111i\u1ec3m ban \u0111\u1ea7u \u0111\u1ec3 h\u1ed7 tr\u1ee3 nhi\u1ec1u c\u1ed9ng \u0111\u1ed3ng h\u01a1n tr\u00ean kh\u1eafp California (v\u00e0 b\u00ean ngo\u00e0i California th\u00f4ng qua c\u00e1c \u0111\u1ed1i t\u00e1c CDFI kh\u00e1c).<\/p>\n\n\n\n

    2. <\/strong>Kh\u1edfi x\u01b0\u1edbng, thi\u1ebft l\u1eadp v\u00e0 duy tr\u00ec c\u00e1c m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c<\/strong> V\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c c\u1ed9ng \u0111\u1ed3ng \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, nh\u01b0ng th\u01b0\u1eddng thi\u1ebfu ngu\u1ed3n l\u1ef1c v\u00e0 quy\u1ec1n l\u1ef1c \u0111\u1ec3 ph\u1ee5c v\u1ee5 h\u1ecd m\u1ed9t c\u00e1ch \u0111\u1ea7y \u0111\u1ee7.<\/p>\n\n\n\n

    3. <\/strong>X\u00e2y d\u1ef1ng m\u1ed9t chu\u1ed7i v\u1ed1n li\u00ean t\u1ee5c<\/strong> Gi\u00fap c\u00e1c doanh nh\u00e2n b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p khai ph\u00e1 t\u00e0i n\u0103ng, s\u1ef1 \u0111\u1ed5i m\u1edbi v\u00e0 kh\u1ea3 n\u0103ng c\u1ea1nh tranh v\u1edbi m\u1ed9t n\u1eeda d\u00e2n s\u1ed1 M\u1ef9 b\u1ecb b\u1ecf l\u1ea1i ph\u00eda sau tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n

    4. Thay \u0111\u1ed5i ch\u00ednh s\u00e1ch v\u00e0 h\u1ec7 th\u1ed1ng<\/strong>Th\u00fac \u0111\u1ea9y v\u1eadn \u0111\u1ed9ng ch\u00ednh s\u00e1ch cho l\u0129nh v\u1ef1c CDFI b\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o Quy\u1ec1n c\u00f4ng d\u00e2n trong c\u1ea3i c\u00e1ch \u0110\u1ea1o lu\u1eadt T\u00e1i \u0111\u1ea7u t\u01b0 C\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c ch\u00ednh s\u00e1ch, ch\u01b0\u01a1ng tr\u00ecnh li\u00ean bang quan tr\u1ecdng kh\u00e1c; c\u1ea3i thi\u1ec7n qu\u1ea3n tr\u1ecb v\u00e0 \u0111o l\u01b0\u1eddng t\u00e1c \u0111\u1ed9ng cho l\u0129nh v\u1ef1c c\u1ee7a ch\u00fang ta.<\/p>\n\n\n\n

    Ch\u00fang t\u00f4i v\u1eabn lu\u00f4n cam k\u1ebft \u0111\u1ecbnh h\u00ecnh l\u1ea1i, d\u00e2n ch\u1ee7 h\u00f3a v\u00e0 t\u1ea1o ra c\u00e1c th\u1ef1c ti\u1ec5n t\u00e0i ch\u00ednh mang t\u00ednh ph\u1ee5c h\u1ed3i c\u00f9ng v\u1edbi ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c c\u1ed9ng \u0111\u1ed3ng m\u00e0 ch\u00fang t\u00f4i ph\u1ee5c v\u1ee5. H\u00e3y c\u00f9ng tham gia h\u00e0nh tr\u00ecnh n\u00e0y v\u1edbi ch\u00fang t\u00f4i! H\u00e3y \u0111\u1ebfn chung vui c\u00f9ng ch\u00fang t\u00f4i k\u1ef7 ni\u1ec7m 25 n\u0103m th\u00e0nh l\u1eadp t\u1ea1i Oakland n\u0103m nay v\u00e0 g\u1eb7p g\u1ee1 nh\u1eefng \u0111\u1ed1i t\u00e1c c\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c doanh nh\u00e2n tuy\u1ec7t v\u1eddi, nh\u1eefng ng\u01b0\u1eddi truy\u1ec1n c\u1ea3m h\u1ee9ng cho ch\u00fang t\u00f4i m\u1ed7i ng\u00e0y. H\u00e3y ghi nh\u1edb ng\u00e0y 11 th\u00e1ng 11 \u0111\u1ec3 tham d\u1ef1 l\u1ec5 k\u1ef7 ni\u1ec7m c\u1ed9ng \u0111\u1ed3ng c\u1ee7a ch\u00fang t\u00f4i!<\/em> <\/p>","protected":false},"excerpt":{"rendered":"

    T\u00e1c gi\u1ea3: Bud Colligan, \u0110\u1ed3ng s\u00e1ng l\u1eadp PCV, & Bulbul Gupta, Ch\u1ee7 t\u1ecbch ki\u00eam Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh PCV. C\u00e2u chuy\u1ec7n v\u1ec1 Pacific Community Ventures b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ed9t c\u00e2u h\u1ecfi v\u00e0o n\u0103m 1998, th\u1eddi k\u1ef3 \u0111\u1ec9nh cao c\u1ee7a bong b\u00f3ng dot.com: l\u00e0m th\u1ebf n\u00e0o m\u1ed9t thi\u00ean \u0111\u01b0\u1eddng kh\u1edfi nghi\u1ec7p nh\u01b0 Thung l\u0169ng Silicon c\u00f3 th\u1ec3 cung c\u1ea5p ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 nh\u00e2n l\u1ef1c cho c\u00e1c c\u1ed9ng \u0111\u1ed3ng thu nh\u1eadp th\u1ea5p \u0111\u1ec3 t\u1ea1o ra m\u1ed9t n\u1ec1n kinh t\u1ebf to\u00e0n di\u1ec7n h\u01a1n? M\u1ed9t\u2026<\/p>","protected":false},"author":61,"featured_media":22184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,37],"tags":[],"class_list":["post-22183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publications","category-impact-investing"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/22183","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=22183"}],"version-history":[{"count":0,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/22183\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media\/22184"}],"wp:attachment":[{"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media?parent=22183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/categories?post=22183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/tags?post=22183"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}