{ "id": 24315, "date": "2024-02-15T14:57:41", "date_gmt": "2024-02-15T22:57:41", "guid": { "rendered": "https:\/\/www.pacificcommunityventures.org\/?p=24315" }, "modified": "2024-02-15T14:57:41", "modified_gmt": "2024-02-15T22:57:41", "slug": "%ec%82%ac%eb%9e%91%eb%b0%9b%eb%8a%94-%ea%b3%b5%eb%8f%99%ec%b2%b4%ec%97%90-%ed%88%ac%ec%9e%90%ed%95%98%ea%b8%b0-%ec%a7%80%ec%97%ad-%ea%b8%b0%eb%b0%98%ec%9d%98-%ec%98%81%ed%96%a5%eb%a0%a5-%ec%9e%88", "status": "publish", "type": "post", "link": "https:\/\/www.pacificcommunityventures.org\/vi\/2024\/02\/15\/investing-in-beloved-community-a-playbook-for-place-based-impactful-lending\/", "title": { "rendered": "\u0110\u1ea7u t\u01b0 v\u00e0o c\u1ed9ng \u0111\u1ed3ng y\u00eau th\u01b0\u01a1ng: C\u1ea9m nang cho vay c\u00f3 t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c d\u1ef1a tr\u00ean \u0111\u1ecba ph\u01b0\u01a1ng" }, "content": { "rendered": "

B\u00e0i vi\u1ebft b\u1edfi: Bulbul Gupta, Ch\u1ee7 t\u1ecbch ki\u00eam Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh - Pacific Community Ventures; Casey Bell, Gi\u00e1m \u0111\u1ed1c T\u00e1c \u0111\u1ed9ng - Pacific Community Ventures; Charles Fisher-Post, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c, Ph\u00f2ng th\u00ed nghi\u1ec7m \u0110\u1ed5i m\u1edbi Vi\u1ec7c l\u00e0m T\u1ed1t - Pacific Community Ventures<\/strong><\/p>\n\n\n\n

Gi\u1ea3i quy\u1ebft di s\u1ea3n b\u1ea5t b\u00ecnh \u0111\u1eb3ng th\u00f4ng qua thi\u1ebft k\u1ebf<\/strong><\/p>\n\n\n\n

S\u1ef1 ch\u00eanh l\u1ec7ch v\u1ec1 t\u00e0i s\u1ea3n v\u00e0 thu nh\u1eadp gi\u1eefa c\u00e1c ch\u1ee7ng t\u1ed9c, hay c\u00f2n g\u1ecdi l\u00e0 "kho\u1ea3ng c\u00e1ch gi\u00e0u ngh\u00e8o gi\u1eefa ng\u01b0\u1eddi da \u0111en v\u00e0 ng\u01b0\u1eddi da tr\u1eafng", kh\u00f4ng ph\u1ea3i l\u00e0 ng\u1eabu nhi\u00ean. Ch\u00fang t\u1ed3n t\u1ea1i l\u00e0 do ch\u1ee7 \u00fd. <\/p>\n\n\n\n

Thi\u1ec7t h\u1ea1i do th\u1ef1c ti\u1ec5n ph\u00e2n bi\u1ec7t ch\u1ee7ng t\u1ed9c v\u1ec1 vi\u1ec7c ph\u00e2n v\u00f9ng khu d\u00e2n c\u01b0<\/strong><\/a> \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 t\u00e0n t\u00edch c\u1ee7a qu\u00e1 kh\u1ee9, m\u00e0 v\u1eabn ti\u1ebfp t\u1ee5c g\u00e2y h\u1ea1i tr\u00ean kh\u1eafp \u0111\u1ea5t n\u01b0\u1edbc ng\u00e0y nay. Tr\u01b0\u1edbc \u0111\u1ea1i d\u1ecbch COVID-19, c\u00e1c ch\u1ee7 doanh nghi\u1ec7p ng\u01b0\u1eddi da \u0111en v\u00e0 da m\u00e0u t\u1ea1i c\u00e1c c\u1ed9ng \u0111\u1ed3ng tr\u00ean kh\u1eafp Oakland \u0111\u00e3 quen v\u1edbi "t\u1ef7 l\u1ec7 t\u1eeb ch\u1ed1i 99%" khi t\u00ecm ki\u1ebfm kho\u1ea3n vay t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, nh\u01b0 l\u1eddi chia s\u1ebb c\u1ee7a Carolyn Johnson, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Black Cultural Zone. \u0110\u1ea1i d\u1ecbch COVID-19 c\u00e0ng l\u00e0m l\u1ed9 r\u00f5 nh\u1eefng b\u1ea5t c\u00f4ng n\u00e0y.<\/p>\n\n\n\n

N\u0103m 2020, c\u00e1c doanh nghi\u1ec7p do ng\u01b0\u1eddi da \u0111en l\u00e0m ch\u1ee7 c\u00f3 kh\u1ea3 n\u0103ng nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n vay t\u1eeb Ch\u01b0\u01a1ng tr\u00ecnh B\u1ea3o v\u1ec7 Ti\u1ec1n l\u01b0\u01a1ng (PPP) t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng nh\u1ecf v\u00e0 khu v\u1ef1c th\u1ea5p h\u01a1n 30 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi c\u00e1c doanh nghi\u1ec7p do c\u00e1 nh\u00e2n thu\u1ed9c ch\u1ee7ng t\u1ed9c kh\u00e1c l\u00e0m ch\u1ee7. B\u00ean c\u1ea1nh s\u1ef1 ch\u00eanh l\u1ec7ch v\u1ec1 vi\u1ec7c ph\u00ea duy\u1ec7t kho\u1ea3n vay theo ch\u1ee7ng t\u1ed9c, c\u00e1c nghi\u00ean c\u1ee9u m\u1edbi n\u1ed5i c\u0169ng cho th\u1ea5y s\u1ef1 ch\u00eanh l\u1ec7ch v\u1ec1 quy m\u00f4 kho\u1ea3n vay trung b\u00ecnh, v\u1edbi c\u00e1c doanh nghi\u1ec7p do ng\u01b0\u1eddi da \u0111en l\u00e0m ch\u1ee7 ban \u0111\u1ea7u nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n vay nh\u1ecf h\u01a1n t\u1edbi 50% so v\u1edbi c\u00e1c doanh nghi\u1ec7p do ng\u01b0\u1eddi da tr\u1eafng l\u00e0m ch\u1ee7 c\u00f3 \u0111i\u1ec1u ki\u1ec7n t\u01b0\u01a1ng t\u1ef1 th\u00f4ng qua ch\u01b0\u01a1ng tr\u00ecnh PPP. 1<\/a><\/sup><\/p>\n\n\n\n

Nh\u1eefng t\u1ed5n h\u1ea1i nh\u01b0 th\u1ebf n\u00e0y, d\u00f9 c\u1ed1 \u00fd hay v\u00f4 \u00fd, \u0111\u1ec1u \u0111\u00f2i h\u1ecfi nh\u1eefng gi\u1ea3i ph\u00e1p c\u00f3 ch\u1ee7 \u0111\u00edch v\u00e0 mang t\u00ednh ph\u1ee5c h\u1ed3i. \u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao v\u00e0o th\u00e1ng 11 n\u0103m 2021, khi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh ph\u1ee5c h\u1ed3i sau COVID-19 nh\u01b0 PPP v\u00e0 c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p cho doanh nghi\u1ec7p nh\u1ecf k\u1ebft th\u00fac v\u00e0 bi\u1ebfn th\u1ec3 Omicron t\u1ea1o th\u00eam m\u1ed9t l\u1edbp b\u1ea5t \u1ed5n kinh t\u1ebf b\u1ea5t ng\u1edd, Pacific Community Ventures \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ee7a m\u00ecnh \u0111\u1ec3 c\u1ed1 g\u1eafng gi\u1ea3i quy\u1ebft nh\u1eefng r\u00e0o c\u1ea3n dai d\u1eb3ng, mang t\u00ednh c\u1ea5u tr\u00fac v\u00e0 x\u00e3 h\u1ed9i \u0111\u1ed1i v\u1edbi vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n. V\u00e0 tr\u00ean con \u0111\u01b0\u1eddng \u0111\u00f3, ch\u00fang t\u00f4i th\u00fac \u0111\u1ea9y cam k\u1ebft kh\u1eafc ph\u1ee5c nh\u1eefng th\u1ea5t b\u1ea1i c\u1ee7a th\u1ecb tr\u01b0\u1eddng, v\u1ed1n duy tr\u00ec s\u1ef1 b\u1ea5t b\u00ecnh \u0111\u1eb3ng mang t\u00ednh h\u1ec7 th\u1ed1ng trong c\u1ed9ng \u0111\u1ed3ng qu\u00ea h\u01b0\u01a1ng Oakland, California c\u1ee7a ch\u00fang t\u00f4i. <\/p>\n\n\n\n

Nh\u1eadn th\u1ea5y s\u1ee9c m\u1ea1nh c\u1ee7a m\u00f4 h\u00ecnh d\u1ef1a v\u00e0o \u0111\u1ecba ph\u01b0\u01a1ng n\u00e0y \u2013 v\u00e0 th\u00f4ng qua s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u01b0\u01a1ng tr\u00ecnh c\u1ea5p v\u1ed1n c\u1ee7a Li\u00ean minh v\u1ed1n x\u00fac t\u00e1c<\/strong><\/a> \u2013, PCV t\u1ef1 h\u00e0o ra m\u1eaft S\u1ed5 tay Qu\u1ef9 Cho vay Ph\u1ee5c h\u1ed3i Oakland v\u1edbi hy v\u1ecdng r\u1eb1ng c\u00e1c m\u00f4 h\u00ecnh nh\u00e2n r\u1ed9ng v\u00e0 quy m\u00f4 l\u1edbn s\u1ebd ph\u00e1t tri\u1ec3n v\u00e0 xu\u1ea5t hi\u1ec7n \u0111\u1ec3 kh\u1eafc ph\u1ee5c nh\u1eefng t\u1ed5n h\u1ea1i \u1edf nhi\u1ec1u c\u1ed9ng \u0111\u1ed3ng b\u1ecb lo\u1ea1i tr\u1eeb v\u1ec1 m\u1eb7t l\u1ecbch s\u1eed tr\u00ean kh\u1eafp Hoa K\u1ef3.\u00a0<\/p>\n\n\n\n

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\u0110\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u1ed1n mang t\u00ednh x\u00fac t\u00e1c, t\u1eadp trung v\u00e0o t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c, Qu\u1ef9 Cho vay Ph\u1ee5c h\u1ed3i Oakland \u0111\u00e3 h\u1ed7 tr\u1ee3 th\u00e0nh c\u00f4ng c\u00e1c doanh nghi\u1ec7p do ng\u01b0\u1eddi da \u0111en, ng\u01b0\u1eddi da m\u00e0u, ng\u01b0\u1eddi b\u1ea3n \u0111\u1ecba v\u00e0 ph\u1ee5 n\u1eef l\u00e0m ch\u1ee7 trong su\u1ed1t cu\u1ed9c kh\u1ee7ng ho\u1ea3ng \u0111\u1ea1i d\u1ecbch COVID-19 b\u1eb1ng c\u00e1ch b\u1eaft \u0111\u1ea7u gi\u1ea3i quy\u1ebft h\u1eadu qu\u1ea3 c\u1ee7a nh\u1eefng th\u1ea5t b\u1ea1i th\u1ecb tr\u01b0\u1eddng n\u00e0y.<\/p>\n\n\n\n

M\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn ph\u1ee5c h\u1ed3i, l\u1ea5y c\u1ed9ng \u0111\u1ed3ng l\u00e0m trung t\u00e2m<\/strong><\/p>\n\n\n\n

\u0110\u1ea7u t\u01b0 mang t\u00ednh ph\u1ee5c h\u1ed3i, t\u1eadp trung v\u00e0o t\u00e1c \u0111\u1ed9ng v\u00e0 d\u1ef1a tr\u00ean \u0111\u1ecba ph\u01b0\u01a1ng, c\u00e0ng tr\u1edf n\u00ean quan tr\u1ecdng h\u01a1n trong b\u1ed1i c\u1ea3nh kinh t\u1ebf bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh m\u1ebd c\u1ee7a giai \u0111o\u1ea1n \u0111\u1ea7u COVID-19, gi\u00fap \u1ed5n \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c doanh nh\u00e2n \u1edf Oakland, nh\u1eefng ng\u01b0\u1eddi v\u1ed1n \u0111\u00e3 b\u1ecb c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng b\u1ecf r\u01a1i. \u0110\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi cu\u1ed9c kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf v\u00e0 y t\u1ebf ch\u1ed3ng ch\u00e9o nhau, v\u1ed1n \u0111\u00e3 leo thang t\u1eeb n\u0103m 2020-2021, Pacific Community Ventures \u0111\u00e3 kh\u1edfi x\u01b0\u1edbng ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y. Qu\u1ef9 cho vay ph\u1ee5c h\u1ed3i Oakland<\/strong> H\u1ed7 tr\u1ee3 c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf b\u1eb1ng c\u00e1c kho\u1ea3n vay kh\u00f4ng ph\u00ed, mang t\u00ednh ch\u1ea5t x\u00fac t\u00e1c 0%. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n th\u1ef1c s\u1ef1 d\u1ef1a tr\u00ean c\u00e1c nguy\u00ean t\u1eafc v\u1ec1 t\u01b0 b\u1ea3n phi th\u1ef1c d\u00e2n h\u00f3a, ti\u1ebfp c\u1eadn ngu\u1ed3n l\u1ef1c d\u00e2n ch\u1ee7 v\u00e0 ph\u1ee5c h\u1ed3i c\u1ed9ng \u0111\u1ed3ng, PCV \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c c\u1ed9ng \u0111\u1ed3ng do ng\u01b0\u1eddi da m\u00e0u (BIPOC) l\u00e3nh \u0111\u1ea1o \u0111\u00e1ng tin c\u1eady \u0111\u1ec3 t\u1eadp trung v\u00e0o nhu c\u1ea7u t\u1ef1 quy\u1ebft c\u1ee7a c\u1ed9ng \u0111\u1ed3ng Oakland. Qu\u00e1 tr\u00ecnh l\u1eafng nghe v\u00e0 ph\u1ea3n h\u1ed3i n\u00e0y \u0111\u00e3 tr\u1edf th\u00e0nh khu\u00f4n kh\u1ed5 thi\u1ebft k\u1ebf l\u1ea5y con ng\u01b0\u1eddi l\u00e0m trung t\u00e2m \u0111\u1ec3 \u0111\u1ed5i m\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m cho vay, c\u0169ng nh\u01b0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u00e0 d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c ch\u1ee7 doanh nghi\u1ec7p. L\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a qu\u00e1 tr\u00ecnh n\u00e0y, nh\u00e2n vi\u00ean PCV cam k\u1ebft x\u00e2y d\u1ef1ng l\u00f2ng tin v\u00e0o t\u1ed5 ch\u1ee9c PCV trong s\u1ed1 c\u00e1c doanh nh\u00e2n ch\u01b0a t\u1eebng l\u00e0m vi\u1ec7c v\u1edbi PCV tr\u01b0\u1edbc \u0111\u00e2y ho\u1eb7c \u0111\u00e3 b\u1ecb PCV t\u1eeb ch\u1ed1i trong qu\u00e1 kh\u1ee9 \u2013 d\u1ef1a tr\u00ean \u00fd \u0111\u1ecbnh phi th\u1ef1c d\u00e2n h\u00f3a ho\u1ea1t \u0111\u1ed9ng th\u1ea9m \u0111\u1ecbnh c\u1ee7a PCV trong hai n\u0103m qua. <\/p>\n\n\n\n

M\u1ed9t c\u1ed9ng t\u00e1c vi\u00ean thi\u1ebft y\u1ebfu trong qu\u00e1 tr\u00ecnh n\u00e0y l\u00e0 Carolyn Johnson (CJ), ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n cho East Oakland Black Cultural Zone Collaborative Partners, m\u1ed9t t\u1ed5 ch\u1ee9c h\u1ee3p t\u00e1c gi\u00fap gi\u1eef ch\u00e2n ng\u01b0\u1eddi da \u0111en \u1edf East Oakland b\u1eb1ng c\u00e1ch x\u00e2y d\u1ef1ng quy\u1ec1n l\u1ef1c, b\u1ea3o \u0111\u1ea3m \u0111\u1ea5t \u0111ai v\u00e0 h\u01b0\u1edbng nhi\u1ec1u ngu\u1ed3n t\u00e0i ch\u00ednh h\u01a1n \u0111\u1ebfn c\u00e1c d\u1ef1 \u00e1n do c\u1ed9ng \u0111\u1ed3ng \u0111i\u1ec1u h\u00e0nh.<\/p>\n\n\n\n

\u201cC\u00e1i <\/em>Qu\u1ef9 cho vay ph\u1ee5c h\u1ed3i Oakland<\/em><\/strong> Qu\u1ef9 n\u00e0y n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t ngu\u1ed3n hy v\u1ecdng nh\u1ecf b\u00e9 nh\u01b0ng thi\u1ebft y\u1ebfu cho m\u1ed9t s\u1ed1 doanh nh\u00e2n kinh doanh nh\u1ecf tr\u00ean kh\u1eafp th\u00e0nh ph\u1ed1 v\u00e0o th\u1eddi \u0111i\u1ec3m h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3 ngu\u1ed3n v\u1ed1n n\u00e0o kh\u00e1c trong t\u1ea7m tay. Nh\u01b0ng \u0111\u00f3 kh\u00f4ng ch\u1ec9 l\u00e0 qu\u1ef9; \u0111\u00f3 l\u00e0 m\u1ed9t t\u1ea7m nh\u00ecn d\u1ef1a tr\u00ean ni\u1ec1m tin, \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh th\u00f4ng qua s\u1ef1 h\u1ee3p t\u00e1c c\u00f3 \u00fd ngh\u0129a v\u00e0 s\u1ef1 tham gia c\u1ee7a m\u1ed9t nh\u00f3m c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o. <\/em>cam k\u1ebft gi\u00fap c\u1ed9ng \u0111\u1ed3ng c\u1ee7a ch\u00fang ta duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng v\u00e0 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd tr\u1edf l\u1ea1i.<\/em><\/strong>, \u0110i\u1ec1u \u0111\u00f3 \u0111\u00e3 l\u00e0m cho t\u00e1c ph\u1ea9m n\u00e0y tr\u1edf n\u00ean c\u00f3 s\u1ee9c \u1ea3nh h\u01b0\u1edfng l\u1edbn."\u201c<\/em> \u2013 Carolyn Johnson, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh, Khu V\u0103n h\u00f3a Ng\u01b0\u1eddi Da \u0111en<\/p>\n\n\n\n

C\u00f9ng v\u1edbi Khu V\u0103n h\u00f3a Ng\u01b0\u1eddi da \u0111en, PCV \u0111\u00e3 l\u1eafng nghe v\u00e0 h\u1ee3p t\u00e1c s\u00e2u s\u1eafc v\u1edbi H\u1ed9i \u0111\u1ed3ng Th\u1ed1ng nh\u1ea5t, Qu\u1ef9 C\u1ee9u tr\u1ee3 Ng\u01b0\u1eddi ngh\u00e8o, ESO Ventures, Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i Khu ph\u1ed1 T\u00e0u Oakland v\u00e0 Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i ng\u01b0\u1eddi Vi\u1ec7t t\u1ea1i Oakland, v\u00e0 Khu C\u1ea3i thi\u1ec7n Kinh doanh Temescal. Khi PCV x\u00e2y d\u1ef1ng l\u00f2ng tin v\u00e0 giao ti\u1ebfp c\u1edfi m\u1edf v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ed9ng \u0111\u1ed3ng, h\u1ecd \u0111\u00e3 gi\u1edbi thi\u1ec7u c\u00e1c doanh nghi\u1ec7p c\u1ea7n v\u1ed1n. \u0110i\u1ec1u n\u00e0y cho ph\u00e9p PCV kh\u00f4ng ch\u1ec9 t\u1ea1o ra gi\u00e1 tr\u1ecb cho ng\u01b0\u1eddi vay m\u00e0 c\u00f2n tr\u1ef1c ti\u1ebfp mang l\u1ea1i l\u1ee3i \u00edch cho c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ed9ng \u0111\u1ed3ng. <\/p>\n\n\n\n

Th\u00f4ng qua Qu\u1ef9 Oakland tr\u1ecb gi\u00e1 $2.5M, PCV \u0111\u00e3 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c 37 ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf \u0111\u1ecba ph\u01b0\u01a1ng \u2014 trong \u0111\u00f3 100% ng\u01b0\u1eddi t\u1ef1 nh\u1eadn m\u00ecnh l\u00e0 ng\u01b0\u1eddi da \u0111en, ng\u01b0\u1eddi b\u1ea3n \u0111\u1ecba ho\u1eb7c ng\u01b0\u1eddi thu\u1ed9c c\u00e1c nh\u00f3m thi\u1ec3u s\u1ed1 v\u1ec1 ch\u1ee7ng t\u1ed9c (BIPOC) \u2014 v\u1edbi c\u00e1c kho\u1ea3n vay trung b\u00ecnh l\u00e0 $68.000.<\/p>\n\n\n\n

\u0110i\u1ec1u n\u00e0y bao g\u1ed3m c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u01b0 Rita Forte, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a The Olive Street Agency, m\u1ed9t doanh nghi\u1ec7p ti\u1ebfp th\u1ecb v\u00e0 in \u1ea5n m\u00e0 b\u00e0 \u0111i\u1ec1u h\u00e0nh t\u1eeb n\u0103m 2012, nh\u1eb1m t\u00f4n vinh con ph\u1ed1 \u1edf \u0110\u00f4ng Oakland n\u01a1i b\u00e0 v\u00e0 m\u1eb9 m\u00ecnh l\u1edbn l\u00ean. Olive Street Agency lu\u00f4n h\u1ee3p t\u00e1c v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c, ngh\u1ec7 s\u0129 v\u00e0 doanh nghi\u1ec7p nh\u1ecf tr\u00ean kh\u1eafp Oakland, c\u00f9ng nhau \u0111\u1ea5u tranh cho c\u00f4ng b\u1eb1ng x\u00e3 h\u1ed9i v\u00e0 kinh t\u1ebf. Trong m\u1ed9t bu\u1ed5i g\u1eb7p g\u1ee1 v\u1edbi PCV v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 vay v\u1ed1n kh\u00e1c t\u1eeb Qu\u1ef9 Oakland, Rita \u0111\u00e3 chia s\u1ebb:<\/p>\n\n\n\n

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\u201cTh\u1ef1c s\u1ef1 l\u00e0 tr\u01b0\u1edbc khi nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n vay n\u00e0y, t\u00f4i \u0111\u00e3 ngh\u0129 \u0111\u1ebfn vi\u1ec7c \u0111\u00f3ng c\u1eeda doanh nghi\u1ec7p v\u00e0 b\u1ecf cu\u1ed9c. M\u1ecdi doanh nh\u00e2n \u0111\u1ec1u tr\u1ea3i qua nh\u1eefng th\u1eddi \u0111i\u1ec3m mu\u1ed1n b\u1ecf cu\u1ed9c nh\u01b0 v\u1eady, nh\u01b0ng l\u00fac \u0111\u00f3 t\u00f4i th\u1ef1c s\u1ef1 nghi\u00eam t\u00fac. T\u00f4i \u0111\u00e3 g\u1eedi email cho kh\u00e1ch h\u00e0ng v\u00e0 n\u00f3i v\u1edbi h\u1ecd r\u1eb1ng 'T\u00f4i kh\u00f4ng th\u1ea5y con \u0111\u01b0\u1eddng ph\u00eda tr\u01b0\u1edbc n\u00e0o c\u1ea3'. \u0110i\u1ec1u \u0111\u00f3 th\u1eadt \u0111au l\u00f2ng. T\u00f4i l\u1ea1i ngh\u1eb9n ng\u00e0o khi k\u1ec3 l\u1ea1i h\u00e0nh tr\u00ecnh n\u00e0y. B\u1edfi v\u00ec c\u1ea3m gi\u00e1c th\u1eadt kh\u00f3 t\u1ea3\u2026 [kho\u1ea3n vay] c\u00f3 \u00fd ngh\u0129a r\u1ea5t l\u1edbn \u0111\u1ed1i v\u1edbi t\u00f4i v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3.<\/em>\u201d<\/p>\n<\/div>

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C\u1ea9m nang h\u01b0\u1edbng d\u1eabn cho c\u00e1c qu\u1ef9 cho vay ph\u1ee5c h\u1ed3i d\u1ef1a tr\u00ean \u0111\u1ecba ph\u01b0\u01a1ng<\/strong><\/p>\n\n\n\n

Vi\u1ec7c thi\u1ebft k\u1ebf v\u00e0 tri\u1ec3n khai Qu\u1ef9 Cho Vay Ph\u1ee5c H\u1ed3i Oakland d\u1ef1a tr\u00ean khu\u00f4n kh\u1ed5 ba tr\u1ee5 c\u1ed9t. L\u00e0 m\u1ed9t qu\u1ef9 ti\u00ean phong, m\u1ee5c ti\u00eau c\u1ee7a ch\u00fang t\u00f4i v\u1edbi c\u1ea9m nang n\u00e0y l\u00e0 h\u1ed7 tr\u1ee3 vi\u1ec7c nh\u00e2n r\u1ed9ng c\u00e1c y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i c\u1ee7a Qu\u1ef9 \u1edf nhi\u1ec1u \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 c\u1ed9ng \u0111\u1ed3ng h\u01a1n.<\/p>\n\n\n\n