{ "id": 27276, "date": "2025-07-16T06:02:36", "date_gmt": "2025-07-16T13:02:36", "guid": { "rendered": "https:\/\/www.pacificcommunityventures.org\/?p=27276" }, "modified": "2026-03-16T13:33:14", "modified_gmt": "2026-03-16T20:33:14", "slug": "el-futuro-funciona-cuando-las-pequenas-empresas-prosperan", "status": "publish", "type": "post", "link": "https:\/\/www.pacificcommunityventures.org\/vi\/2025\/07\/16\/the-future-works-when-small-businesses-thrive\/", "title": { "rendered": "T\u01b0\u01a1ng lai s\u1ebd v\u1eadn h\u00e0nh tr\u01a1n tru khi c\u00e1c doanh nghi\u1ec7p nh\u1ecf ph\u00e1t tri\u1ec3n m\u1ea1nh." }, "content": { "rendered": "

T\u00e1c gi\u1ea3: Bulbul Gupta<\/p>\n

Tr\u00ean kh\u1eafp \u0111\u1ea5t n\u01b0\u1edbc, c\u00e1c c\u1ed9ng \u0111\u1ed3ng \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng thay \u0111\u1ed5i s\u00e2u s\u1eafc v\u00e0o \u0111\u1ea7u n\u0103m 2025 \u2014 v\u1ec1 kinh t\u1ebf, x\u00e3 h\u1ed9i v\u00e0 m\u00f4i tr\u01b0\u1eddng \u2014 v\u1edbi n\u1ed7i lo v\u1ec1 suy tho\u00e1i kinh t\u1ebf ho\u1eb7c l\u1ea1m ph\u00e1t \u0111\u00ecnh tr\u1ec7 \u0111ang hi\u1ec7n h\u1eefu, khi thu\u1ebf quan, nh\u1eefng c\u00fa s\u1ed1c chu\u1ed7i cung \u1ee9ng, vi\u1ec7c c\u1eaft gi\u1ea3m chi ti\u00eau c\u1ee7a ch\u00ednh ph\u1ee7 li\u00ean bang v\u00e0 t\u00ecnh tr\u1ea1ng m\u1ea5t vi\u1ec7c l\u00e0m \u1eadp \u0111\u1ebfn. V\u00e0 trong th\u1eddi \u0111\u1ea1i tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 c\u00f4ng ngh\u1ec7, d\u01b0\u1edbi th\u1eddi k\u1ef3 C\u00e1ch m\u1ea1ng C\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 n\u0103m, khi ng\u00e0y c\u00e0ng nhi\u1ec1u c\u00f4ng ty c\u00e2n b\u1eb1ng gi\u1eefa \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u1edbi chi ph\u00ed \u0111\u1ea7u t\u01b0 v\u00e0o ngu\u1ed3n nh\u00e2n l\u1ef1c, trong m\u1ed9t n\u1ec1n kinh t\u1ebf \u0111ang chao \u0111\u1ea3o tr\u00ean b\u1edd v\u1ef1c c\u1ee7a th\u1eddi \u0111\u1ea1i phong ki\u1ebfn c\u00f4ng ngh\u1ec7, ch\u00fang ta ph\u1ea3i suy ngh\u0129 kh\u00e1c \u0111i v\u1ec1 t\u01b0\u01a1ng lai c\u1ee7a c\u00f4ng vi\u1ec7c v\u00e0 t\u01b0\u01a1ng lai c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/span> <\/span><\/p>\n

T\u1ea1i Pacific Community Ventures, ch\u00fang t\u00f4i tin r\u1eb1ng nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y kh\u00f4ng ch\u1ec9 \u0111\u00f2i h\u1ecfi s\u1ef1 ki\u00ean c\u01b0\u1eddng m\u00e0 c\u00f2n c\u1ea7n h\u00e0nh \u0111\u1ed9ng t\u00e1o b\u1ea1o v\u00e0 c\u00f3 ch\u1ee7 \u0111\u00edch. C\u00e1c doanh nghi\u1ec7p nh\u1ecf s\u1eed d\u1ee5ng g\u1ea7n m\u1ed9t n\u1eeda s\u1ed1 ng\u01b0\u1eddi lao \u0111\u1ed9ng M\u1ef9, nh\u01b0ng qu\u00e1 nhi\u1ec1u doanh nghi\u1ec7p ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u00e0o c\u1ea3n trong vi\u1ec7c ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng v\u00e0 t\u01b0 v\u1ea5n chuy\u00ean m\u00f4n c\u1ea7n thi\u1ebft \u0111\u1ec3 ph\u00e1t tri\u1ec3n. \u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao s\u1ee9 m\u1ec7nh c\u1ee7a ch\u00fang t\u00f4i ch\u01b0a bao gi\u1edd c\u1ea5p b\u00e1ch h\u01a1n th\u1ebf \u2013 vi\u1ec7c khai ph\u00e1 ti\u1ec1m n\u0103ng kinh t\u1ebf c\u1ee7a nh\u1eefng ng\u01b0\u1eddi M\u1ef9 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 \u0111\u1ea7y \u0111\u1ee7 \u0111\u01b0\u1ee3c \u01b0\u1edbc t\u00ednh s\u1ebd l\u00e0m t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf th\u00eam 1.400.000 \u0111\u00f4 la v\u00e0o n\u0103m 2050, theo m\u1ed9t b\u00e1o c\u00e1o. <\/span>Nghi\u00ean c\u1ee9u c\u1ee7a Qu\u1ef9 WK Kellogg<\/span><\/span><\/span> N\u0103m 2018. \u0110\u1ebfn n\u0103m 2024, khi c\u00e1c ch\u1ec9 s\u1ed1 kinh t\u1ebf qu\u1ed1c gia \u0111\u1ea1t m\u1ee9c cao nh\u1ea5t k\u1ec3 t\u1eeb sau COVID, kh\u00e1ch h\u00e0ng c\u1ee7a PCV c\u0169ng ph\u1ea3n \u00e1nh \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng \u0111\u00f3. C\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p nh\u1ecf c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 ch\u1ee9ng ki\u1ebfn m\u1ee9c t\u0103ng tr\u01b0\u1edfng k\u1ef7 l\u1ee5c v\u1ec1 doanh thu, t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 t\u1ea1o ra nhi\u1ec1u vi\u1ec7c l\u00e0m t\u1ed1t. <\/span>\u0110i\u1ec1u quan tr\u1ecdng l\u00e0, h\u1ecd ghi nh\u1eadn PCV l\u00e0 m\u1ed9t ph\u1ea7n trong th\u00e0nh c\u00f4ng \u0111\u00f3: 931 kh\u00e1ch h\u00e0ng cho bi\u1ebft s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 gi\u00fap duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a h\u1ecd, t\u0103ng t\u1eeb 771 kh\u00e1ch h\u00e0ng so v\u1edbi n\u0103m tr\u01b0\u1edbc.<\/span><\/b>. <\/span>V\u00e0 h\u1ecd kh\u00f4ng ch\u1ec9 \u0111ang t\u1ed3n t\u1ea1i m\u00e0 c\u00f2n \u0111ang n\u1ed7 l\u1ef1c v\u01b0\u01a1n l\u00ean.<\/span><\/i>. <\/span>Trong to\u00e0n b\u1ed9 danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a ch\u00fang t\u00f4i, vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c th\u1ef1c ti\u1ec5n vi\u1ec7c l\u00e0m t\u1ed1t ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng, v\u1edbi ng\u00e0y c\u00e0ng nhi\u1ec1u doanh nghi\u1ec7p nh\u1ecf cung c\u1ea5p c\u00e1c lo\u1ea1i ph\u00fac l\u1ee3i v\u00e0 \u0111i\u1ec1u ki\u1ec7n l\u00e0m vi\u1ec7c th\u00fac \u0111\u1ea9y s\u1ef1 g\u1eafn b\u00f3, kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i v\u00e0 t\u00e1c \u0111\u1ed9ng l\u00e2u d\u00e0i c\u1ee7a nh\u00e2n vi\u00ean \u2013 <\/span><\/b>\u0110\u01b0a th\u00eam nhi\u1ec1u lao \u0111\u1ed9ng v\u00e0o n\u1ec1n kinh t\u1ebf t\u01b0\u01a1ng lai.<\/span> <\/span><\/p>\n

V\u1ec1 c\u01a1 b\u1ea3n, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 chi\u1ebfn l\u01b0\u1ee3c V\u1ed1n Ph\u1ee5c h\u1ed3i c\u1ee7a ch\u00fang t\u00f4i \u2014 \u0111\u01b0\u1ee3c kh\u1edfi \u0111\u1ed9ng v\u00e0o n\u0103m 2022, v\u1edbi ngu\u1ed3n v\u1ed1n gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng, t\u01b0 v\u1ea5n kinh doanh tr\u01b0\u1edbc v\u00e0 sau \u0111\u1ea7u t\u01b0, v\u00e0 t\u1eadp trung c\u00f3 ch\u1ee7 \u0111\u00edch v\u00e0o vi\u1ec7c t\u1ea1o ra vi\u1ec7c l\u00e0m t\u1ed1t v\u00e0 c\u1ea3i thi\u1ec7n kh\u00ed h\u1eadu \u2014 \u0111ang ph\u00e1t huy hi\u1ec7u qu\u1ea3!<\/span><\/b> <\/span><\/p>\n

N\u0103m 2024, chi\u1ebfn l\u01b0\u1ee3c n\u00e0y \u0111\u00e3 tr\u1edf th\u00e0nh hi\u1ec7n th\u1ef1c th\u00f4ng qua nh\u1eefng h\u00e0nh \u0111\u1ed9ng t\u00e1o b\u1ea1o v\u00e0 k\u1ebft qu\u1ea3 th\u1ef1c t\u1ebf. Ch\u00fang t\u00f4i \u0111\u00e3 gi\u1ea3i ng\u00e2n $12,3 tri\u1ec7u \u0111\u00f4 la M\u1ef9 d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho vay \u2014 <\/span>t\u0103ng 21% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i<\/span><\/i><\/b> \u2014 Gi\u1eef l\u1ea1i ho\u1eb7c t\u1ea1o ra 1.144 vi\u1ec7c l\u00e0m. H\u01a1n 871 TP3T v\u1ed1n c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 \u0111\u1ebfn \u0111\u01b0\u1ee3c v\u1edbi c\u00e1c c\u1ed9ng \u0111\u1ed3ng c\u00f3 thu nh\u1eadp th\u1ea5p \u0111\u1ebfn trung b\u00ecnh, trong \u0111\u00f3 711 TP3T \u0111\u01b0\u1ee3c tri\u1ec3n khai t\u1ea1i c\u00e1c khu v\u1ef1c d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng do bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu. Ch\u01b0\u01a1ng tr\u00ecnh t\u01b0 v\u1ea5n kinh doanh mi\u1ec5n ph\u00ed c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 k\u1ebft n\u1ed1i 1.078 doanh nh\u00e2n v\u1edbi c\u00e1c chuy\u00ean gia c\u00f3 n\u0103ng l\u1ef1c v\u1ec1 v\u0103n h\u00f3a, cung c\u1ea5p g\u1ea7n 8.000 gi\u1edd h\u1ed7 tr\u1ee3 c\u00e1 nh\u00e2n h\u00f3a, tr\u1ef1c ti\u1ebfp.<\/span> <\/span><\/p>\n

C\u00f4ng vi\u1ec7c g\u1eafn b\u00f3 v\u1edbi c\u1ed9ng \u0111\u1ed3ng \u0111\u1ecba ph\u01b0\u01a1ng c\u1ee7a ch\u00fang t\u00f4i ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 nh\u1edd... <\/span>Qu\u1ef9 cho vay ph\u1ee5c h\u1ed3i Oakland 2.0<\/span><\/span><\/a>, \u0110\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi cam k\u1ebft \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u t\u1eeb Kaiser Permanente. \u0110\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 linh ho\u1ea1t v\u00e0 t\u1ea1o t\u00e1c \u0111\u1ed9ng, Qu\u1ef9 \u0111\u00e3 cung c\u1ea5p 143.000 USD v\u1ed1n \u0111\u1ea7u t\u01b0 cho 40 doanh nghi\u1ec7p \u0111\u1ecba ph\u01b0\u01a1ng, h\u1ed7 tr\u1ee3 140 vi\u1ec7c l\u00e0m \u2014 v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd h\u1ebft ch\u1ec9 trong m\u1ed9t ng\u00e0y nh\u1edd nhu c\u1ea7u v\u00e0 s\u1ef1 h\u1ee3p t\u00e1c v\u1edbi 13 t\u1ed5 ch\u1ee9c c\u1ed9ng \u0111\u1ed3ng \u0111\u00e1ng tin c\u1eady \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng trong 3 n\u0103m tr\u01b0\u1edbc \u0111\u00f3. C\u00e1c doanh nh\u00e2n nh\u01b0 Rita Forte, ng\u01b0\u1eddi s\u00e1ng l\u1eadp c\u1ee7a <\/span>V\u0103n ph\u00f2ng Olive Street<\/span><\/span><\/a>, \u0110i\u1ec1u n\u00e0y ch\u1ee9ng minh nh\u1eefng g\u00ec c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c. Sau khi \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c kh\u00f3 kh\u0103n trong vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n, Rita \u0111\u00e3 t\u1eadn d\u1ee5ng kho\u1ea3n vay t\u1eeb ch\u01b0\u01a1ng tr\u00ecnh PCV \u0111\u1ec3 kh\u00f4ng ch\u1ec9 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng kinh doanh m\u00e0 c\u00f2n t\u0103ng tr\u01b0\u1edfng g\u1ea5p b\u1ed1n l\u1ea7n trong m\u1ed9t n\u0103m \u2014 \u0111\u1ed3ng th\u1eddi t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t, th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u00e1 nh\u00e2n v\u00e0 ngh\u1ec1 nghi\u1ec7p!<\/span> <\/span><\/p>\n

M\u1ed9t n\u0103m tr\u01b0\u1edbc, ch\u00fang t\u00f4i \u0111\u00e3 tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh tr\u00ean to\u00e0n bang California. <\/span>Qu\u1ef9 huy \u0111\u1ed9ng kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu (CRMF)<\/a><\/span> \u0110\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u tr\u01b0\u1edbc khi ph\u00e1t tri\u1ec3n. Ch\u00fang t\u00f4i \u0111\u00e3 tri\u1ec3n khai $1,7 tri\u1ec7u \u0111\u00f4 la v\u00e0o n\u0103m 2024 d\u01b0\u1edbi d\u1ea1ng v\u1ed1n linh ho\u1ea1t cho c\u00e1c doanh nghi\u1ec7p t\u1eadp trung v\u00e0o kh\u00ed h\u1eadu v\u00e0 ra m\u1eaft s\u1ea3n ph\u1ea9m V\u1ed1n cho Nh\u00e0 th\u1ea7u \u0111\u1ec3 gi\u00fap c\u00e1c nh\u00e0 th\u1ea7u \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p \u2014 nhi\u1ec1u ng\u01b0\u1eddi \u0111ang l\u00e0m vi\u1ec7c trong c\u00e1c d\u1ef1 \u00e1n m\u00f4i tr\u01b0\u1eddng thu\u1ed9c khu v\u1ef1c c\u00f4ng \u2014 ti\u1ebfp c\u1eadn c\u00e1c c\u01a1 h\u1ed9i chuy\u1ec3n \u0111\u1ed5i kh\u00ed h\u1eadu quan tr\u1ecdng. C\u00e1c doanh nghi\u1ec7p nh\u1ecf nh\u01b0 <\/span>\u0110\u1ea5t \u0111ai v\u00e0 gia s\u00fac c\u1ee7a ng\u01b0\u1eddi ch\u0103n c\u1eebu<\/span><\/span><\/a> H\u00e3y minh h\u1ecda \u0111i\u1ec1u n\u00e0y tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o tr\u00ean th\u1ef1c t\u1ebf. Th\u00f4ng qua vi\u1ec7c ch\u0103n th\u1ea3 gia s\u00fac th\u00e2n thi\u1ec7n v\u1edbi m\u00f4i tr\u01b0\u1eddng, gi\u1ea3m ph\u00e1t th\u1ea3i v\u00e0 ph\u1ee5c h\u1ed3i m\u00f4i tr\u01b0\u1eddng s\u1ed1ng, h\u1ecd \u0111ang x\u00e2y d\u1ef1ng c\u00e1c c\u1ed9ng \u0111\u1ed3ng ch\u1ed1ng ch\u00e1y r\u1eebng v\u00e0 t\u1ea1o ra nh\u1eefng c\u00f4ng vi\u1ec7c t\u1ed1t v\u00e0 th\u00e2n thi\u1ec7n v\u1edbi m\u00f4i tr\u01b0\u1eddng v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a PCV. <\/span> <\/span><\/p>\n

Song song \u0111\u00f3, ch\u00fang t\u00f4i \u0111\u00e3 m\u1edf r\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c Vi\u1ec7c l\u00e0m T\u1ed1t tr\u00ean to\u00e0n qu\u1ed1c. <\/span>B\u00e1o c\u00e1o H\u00e0nh tr\u00ecnh T\u00ecm vi\u1ec7c T\u1ed1t<\/span><\/span><\/a> V\u00e0 c\u1ed9ng \u0111\u1ed3ng th\u1ef1c h\u00e0nh ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n \u0111ang gi\u00fap c\u00e1c doanh nh\u00e2n \u00e1p d\u1ee5ng c\u00e1c nguy\u00ean t\u1eafc vi\u1ec7c l\u00e0m t\u1ed1t v\u00e0 theo \u0111u\u1ed5i c\u00e1c h\u01b0\u1edbng \u0111i nh\u01b0 s\u1edf h\u1eefu doanh nghi\u1ec7p b\u1edfi nh\u00e2n vi\u00ean. Sau g\u1ea7n hai n\u0103m, ch\u00fang t\u00f4i \u0111\u00e3 ho\u00e0n thi\u1ec7n c\u00e1c ch\u00ednh s\u00e1ch v\u1ec1 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 tr\u00e1ch nhi\u1ec7m c\u1ee7a PCV v\u00e0 b\u1eaft \u0111\u1ea7u m\u1edf r\u1ed9ng quy m\u00f4 m\u1ed9t c\u00f4ng c\u1ee5 x\u1eed l\u00fd ng\u00f4n ng\u1eef t\u1ef1 nhi\u00ean ti\u00ean ti\u1ebfn \u0111\u1ec3 \u0111\u01b0a ti\u1ebfng n\u00f3i v\u00e0 c\u1ea3m x\u00fac c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0o vi\u1ec7c c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c \u2014 cung c\u1ea5p cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf nh\u1eefng hi\u1ec3u bi\u1ebft h\u1eefu \u00edch \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng gi\u1eef ch\u00e2n nh\u00e2n vi\u00ean v\u00e0 v\u0103n h\u00f3a doanh nghi\u1ec7p, \u0111\u1ed3ng th\u1eddi ti\u1ebft ki\u1ec7m chi ph\u00ed.<\/span> <\/span><\/p>\n

Ngo\u00e0i c\u00e1c d\u1ecbch v\u1ee5 cho vay v\u00e0 t\u01b0 v\u1ea5n, PCV v\u1eabn l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c d\u1eabn \u0111\u1ea7u v\u1ec1 t\u01b0 t\u01b0\u1edfng v\u00e0 nghi\u00ean c\u1ee9u th\u00f4ng qua c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0, t\u01b0 v\u1ea5n, t\u1ea1o vi\u1ec7c l\u00e0m t\u1ed1t v\u00e0 h\u1ecdc h\u1ecfi v\u1ec1 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu. Ch\u00fang t\u00f4i ti\u1ebfp t\u1ee5c v\u1eadn \u0111\u1ed9ng \u1edf m\u1ecdi c\u1ea5p \u0111\u1ed9 \u2014 bao g\u1ed3m c\u1ea3 vi\u1ec7c h\u01b0\u1edbng t\u1edbi hi\u1ec7n \u0111\u1ea1i h\u00f3a \u0110\u1ea1o lu\u1eadt T\u00e1i \u0111\u1ea7u t\u01b0 C\u1ed9ng \u0111\u1ed3ng (CRA), S\u00e1ng ki\u1ebfn T\u00edn d\u1ee5ng Doanh nghi\u1ec7p Nh\u1ecf c\u1ea5p Ti\u1ec3u bang (SSBCI), Qu\u1ef9 CDFI, c\u00e1c th\u1ef1c ti\u1ec5n cho vay c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 Quy\u1ec1n c\u1ee7a Ng\u01b0\u1eddi vay Doanh nghi\u1ec7p Nh\u1ecf, Qu\u1ef9 T\u00e1i thi\u1ebft California c\u1ee7a ch\u00fang t\u00f4i v\u00e0 c\u00e1c n\u1ed7 l\u1ef1c \u0111\u1ecba ph\u01b0\u01a1ng tr\u00ean kh\u1eafp Oakland, Antioch, Los Angeles, Fresno, Stockton, Sacramento, Riverside v\u00e0 c\u00e1c th\u00e0nh ph\u1ed1 kh\u00e1c. Ch\u00fang t\u00f4i ti\u1ebfp t\u1ee5c h\u1ee3p t\u00e1c v\u1edbi c\u00e1c nh\u00e0 t\u00e0i tr\u1ee3, CDFI, c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh t\u0103ng t\u1ed1c kh\u1edfi nghi\u1ec7p, c\u00e1c v\u01b0\u1eddn \u01b0\u01a1m doanh nghi\u1ec7p v\u00e0 c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1ec3 t\u1ea1o ra c\u00e1c m\u00f4 h\u00ecnh l\u1ea5y c\u1ed9ng \u0111\u1ed3ng v\u00e0 doanh nh\u00e2n l\u00e0m trung t\u00e2m.<\/span> <\/span><\/p>\n

C\u00f4ng vi\u1ec7c n\u00e0y \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi ni\u1ec1m tin \u2013 ni\u1ec1m tin c\u1ee7a b\u1ea1n v\u00e0 c\u1ee7a ch\u00fang t\u00f4i. Ch\u00fang t\u00f4i v\u00f4 c\u00f9ng bi\u1ebft \u01a1n c\u00e1c nh\u00e0 t\u00e0i tr\u1ee3, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 \u0111\u1ed1i t\u00e1c \u0111\u00e3 \u0111\u1ed3ng h\u00e0nh c\u00f9ng ch\u00fang t\u00f4i tr\u00ean h\u00e0nh tr\u00ecnh n\u00e0y. <\/span>Kho\u1ea3n quy\u00ean t\u1eb7ng kh\u00f4ng gi\u1edbi h\u1ea1n tr\u1ecb gi\u00e1 $7 tri\u1ec7u \u0111\u00f4 la t\u1eeb Qu\u1ef9 Yield Giving c\u1ee7a MacKenzie Scott, m\u1ed9t kho\u1ea3n quy\u00ean t\u1eb7ng mang t\u00ednh \u0111\u1ed9t ph\u00e1.<\/a><\/span> N\u0103m 2024, ch\u00fang t\u00f4i \u0111\u00e3 t\u0103ng c\u01b0\u1eddng n\u1ed7 l\u1ef1c ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng khi h\u1ecd x\u00e2y d\u1ef1ng m\u1ed9t n\u1ec1n kinh t\u1ebf c\u00f4ng b\u1eb1ng h\u01a1n, b\u1ec1n v\u1eefng h\u01a1n v\u00e0 ki\u00ean c\u01b0\u1eddng h\u01a1n.<\/span> <\/span><\/p>\n

N\u0103m 2025, khi California tr\u1edf th\u00e0nh n\u1ec1n kinh t\u1ebf l\u1edbn th\u1ee9 t\u01b0 th\u1ebf gi\u1edbi, tr\u1ecdng t\u00e2m c\u1ee7a ch\u00fang t\u00f4i l\u00e0 l\u00e0m s\u00e2u s\u1eafc th\u00eam c\u00e1c chi\u1ebfn l\u01b0\u1ee3c d\u1ef1a tr\u00ean \u0111\u1ecba ph\u01b0\u01a1ng, m\u1edf r\u1ed9ng cho vay th\u00edch \u1ee9ng v\u1edbi bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu, m\u1edf r\u1ed9ng c\u00e1c s\u00e1ng ki\u1ebfn vi\u1ec7c l\u00e0m t\u1ed1t v\u00e0 c\u1ee7ng c\u1ed1 h\u1ec7 sinh th\u00e1i h\u1ed7 tr\u1ee3 c\u00e1c doanh nh\u00e2n ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u0111\u1ea7y \u0111\u1ee7 \u2013 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ch\u00fang ta b\u1ea3o t\u1ed3n v\u00e0 ti\u1ebfp t\u1ee5c \u0111\u1ed5i m\u1edbi kh\u00f4ng ch\u1ec9 cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u1ee7a h\u1ecd, m\u00e0 c\u00f2n cho c\u1ed9ng \u0111\u1ed3ng v\u00e0 th\u1ebf h\u1ec7 t\u01b0\u01a1ng lai c\u1ee7a ch\u00fang ta. D\u1ef1a tr\u00ean k\u1ebf ho\u1ea1ch chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a m\u00ecnh, ch\u00fang t\u00f4i \u0111ang th\u00fac \u0111\u1ea9y c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh l\u1ea5y d\u1eef li\u1ec7u l\u00e0m tr\u1ecdng t\u00e2m v\u00e0 l\u1ea5y con ng\u01b0\u1eddi l\u00e0m trung t\u00e2m \u2013 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf b\u1eb1ng v\u1ed1n, t\u01b0 v\u1ea5n v\u00e0 h\u1ed7 tr\u1ee3 t\u1ea1o vi\u1ec7c l\u00e0m t\u1ed1t ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a h\u1ecd. Ch\u00fang t\u00f4i s\u1ebd ph\u00e1t tri\u1ec3n h\u00e0nh tr\u00ecnh Vi\u1ec7c l\u00e0m T\u1ed1t b\u1eb1ng c\u00e1ch h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p chuy\u1ec3n \u0111\u1ed5i sang m\u00f4 h\u00ecnh s\u1edf h\u1eefu c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng. Ch\u00fang t\u00f4i \u0111ang x\u00e2y d\u1ef1ng c\u00e1c gi\u1ea3i ph\u00e1p gi\u00fap c\u00e1c doanh nh\u00e2n gi\u1eef ch\u00e2n ng\u01b0\u1eddi lao \u0111\u1ed9ng th\u00f4ng qua c\u00e1c ph\u00fac l\u1ee3i v\u00e0 b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n, ph\u00f9 h\u1ee3p h\u01a1n, v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho vi\u1ec7c mua s\u1eafm \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n th\u00f4ng qua c\u00e1c h\u1ee3p \u0111\u1ed3ng \u1ed5n \u0111\u1ecbnh, ph\u00f9 h\u1ee3p v\u1edbi s\u1ee9 m\u1ec7nh. Ch\u00fang t\u00f4i \u0111ang h\u1ed7 tr\u1ee3 c\u00e1c doanh nh\u00e2n b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c v\u1ee5 ch\u00e1y r\u1eebng \u1edf Nam California th\u00f4ng qua Qu\u1ef9 RESTORE LA d\u00e0nh cho Ph\u1ee5c h\u1ed3i Doanh nghi\u1ec7p Nh\u1ecf v\u00e0 Kh\u1ea3 n\u0103ng Ch\u1ed1ng ch\u1ecbu Bi\u1ebfn \u0111\u1ed5i Kh\u00ed h\u1eadu \u2013 m\u1ed9t qu\u1ef9 tr\u1ecb gi\u00e1 14.300 USD cung c\u1ea5p c\u00e1c kho\u1ea3n vay kh\u00f4ng l\u00e3i su\u1ea5t, kh\u00f4ng ph\u00ed tr\u1ecb gi\u00e1 31.300 USD, v\u00e0 ch\u00fang t\u00f4i \u0111ang m\u1edf r\u1ed9ng sang c\u00e1c th\u1ecb tr\u01b0\u1eddng ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u0111\u1ea7y \u0111\u1ee7 tr\u00ean kh\u1eafp c\u00e1c c\u1ed9ng \u0111\u1ed3ng n\u00f4ng th\u00f4n v\u00e0 th\u1ed5 d\u00e2n c\u1ee7a ti\u1ec3u bang. Nh\u1eefng th\u00e1ch th\u1ee9c tr\u01b0\u1edbc m\u1eaft l\u00e0 c\u00f3 th\u1eadt \u2013 nh\u01b0ng c\u01a1 h\u1ed9i c\u0169ng v\u1eady. <\/span> <\/span><\/p>\n

T\u1ea5t c\u1ea3 nh\u1eefng \u0111i\u1ec1u n\u00e0y s\u1ebd kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c n\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c b\u1ea1n \u2013 c\u1ed9ng \u0111\u1ed3ng c\u00e1c \u0111\u1ed1i t\u00e1c, nh\u00e0 t\u00e0i tr\u1ee3, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a ch\u00fang t\u00f4i \u2013 s\u1ef1 \u0111o\u00e0n k\u1ebft v\u00e0 cam k\u1ebft ki\u00ean \u0111\u1ecbnh c\u1ee7a c\u00e1c b\u1ea1n l\u00e0 \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y c\u00f4ng vi\u1ec7c c\u1ee7a ch\u00fang t\u00f4i trong vi\u1ec7c \u0111\u1ecbnh h\u00ecnh l\u1ea1i h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh v\u00e0 m\u1edf kh\u00f3a c\u01a1 h\u1ed9i kinh t\u1ebf cho c\u00e1c c\u1ed9ng \u0111\u1ed3ng ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u0111\u1ea7y \u0111\u1ee7. C\u1ea3m \u01a1n c\u00e1c b\u1ea1n \u0111\u00e3 tin t\u01b0\u1edfng v\u00e0o s\u1ee9c m\u1ea1nh c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf trong vi\u1ec7c thay \u0111\u1ed5i cu\u1ed9c s\u1ed1ng v\u00e0 khu ph\u1ed1. C\u00f9ng nhau, ch\u00fang ta kh\u00f4ng ch\u1ec9 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u hi\u1ec7n t\u1ea1i \u2013 ch\u00fang ta \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i nh\u1eefng \u0111i\u1ec1u c\u00f3 th\u1ec3. H\u00e3y tham gia c\u00f9ng ch\u00fang t\u00f4i!<\/span> 
\n 
\nTrong tinh th\u1ea7n li\u00ean k\u1ebft,<\/span> 
\n<\/span>Bulbul Gupta<\/span> 
\nCh\u1ee7 t\u1ecbch ki\u00eam Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh<\/span> 
\nPacific Community Ventures<\/span> <\/span><\/p>", "protected": false }, "excerpt": { "rendered": "

B\u00e0i vi\u1ebft c\u1ee7a: Bulbul Gupta Tr\u00ean kh\u1eafp \u0111\u1ea5t n\u01b0\u1edbc, c\u00e1c c\u1ed9ng \u0111\u1ed3ng \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng thay \u0111\u1ed5i s\u00e2u s\u1eafc v\u00e0o \u0111\u1ea7u n\u0103m 2025 \u2014 v\u1ec1 kinh t\u1ebf, x\u00e3 h\u1ed9i v\u00e0 m\u00f4i tr\u01b0\u1eddng \u2014 v\u1edbi n\u1ed7i lo s\u1ee3 v\u1ec1 suy tho\u00e1i kinh t\u1ebf ho\u1eb7c l\u1ea1m ph\u00e1t \u0111\u00ecnh tr\u1ec7 \u0111ang hi\u1ec7n h\u1eefu, khi thu\u1ebf quan, nh\u1eefng c\u00fa s\u1ed1c chu\u1ed7i cung \u1ee9ng, vi\u1ec7c c\u1eaft gi\u1ea3m ng\u00e2n s\u00e1ch li\u00ean bang v\u00e0 t\u00ecnh tr\u1ea1ng m\u1ea5t vi\u1ec7c l\u00e0m \u1eadp \u0111\u1ebfn. V\u00e0 trong th\u1eddi \u0111\u1ea1i c\u1ee7a tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 c\u00f4ng ngh\u1ec7, d\u01b0\u1edbi th\u1eddi C\u00e1ch m\u1ea1ng C\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 n\u0103m, khi\u2026<\/p>", "protected": false }, "author": 61, "featured_media": 27402, "comment_status": "closed", "ping_status": "open", "sticky": false, "template": "", "format": "standard", "meta": { "_acf_changed": false, "ngg_post_thumbnail": 0, "footnotes": "" }, "categories": [ 33, 34, 36, 37, 35 ], "tags": [], "class_list": [ "post-27276", "post", "type-post", "status-publish", "format-standard", "has-post-thumbnail", "hentry", "category-publications", "category-climate", "category-quality-jobs", "category-impact-investing", "category-pcv-news" ], "acf": [], "_links": { "self": [ { "href": "https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/27276", "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=27276" } ], "version-history": [ { "count": 1, "href": "https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/27276\/revisions" } ], "predecessor-version": [ { "id": 29750, "href": "https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/posts\/27276\/revisions\/29750" } ], "wp:featuredmedia": [ { "embeddable": true, "href": "https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media\/27402" } ], "wp:attachment": [ { "href": "https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/media?parent=27276" } ], "wp:term": [ { "taxonomy": "category", "embeddable": true, "href": "https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/categories?post=27276" }, { "taxonomy": "post_tag", "embeddable": true, "href": "https:\/\/www.pacificcommunityventures.org\/vi\/wp-json\/wp\/v2\/tags?post=27276" } ], "curies": [ { "name": "trang web", "href": "https:\/\/api.w.org\/{rel}", "templated": true } ] } }