Ebook Entrepreneurship (Second edition): Part 2
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Ebook Entrepreneurship (Second edition): Part 2
A WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 rr alEbook Entrepreneurship (Second edition): Part 2
sometimes not—that projects its future performance. This means that it is very difficult to raise debt financing from conventional banks because the)A WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 neurs arc now finding that their longtime deposit relationships aren't proving as useful, as many lenders restrict loan and credit terms to keep more cash on hand, says David s. Waddell, the CEO of investment strategy firm Waddell & Associates in Memphis, Tennessee. (According to the Federal Reserve Ebook Entrepreneurship (Second edition): Part 2 ’s most recent Senior Loan officer Opinion Survey in April 2009, 75% of domestic banks said they tightened credit for small firms—up from 70% in (he FEbook Entrepreneurship (Second edition): Part 2
ed’s January 2009 survey.) In addition, credit card companies like American Express and Advanta are either tightening their terms or cutting small busA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 ily, friends, neighbors, work colleagues, and strangers; a few raise it from lending institutions, primarily banks: and a miniscule number raise it from venture capitalists, who arc sometimes called formal investors. This chapter examines funding from entrepreneursThia, dupccr is written by U'lllum Ebook Entrepreneurship (Second edition): Part 2 D. Bjgrsve.338 I CHAPTER 9 I Financing Entrepreneurial Ventures Worldwidethemselves, informal investors, and venture capitalists in the United StatesEbook Entrepreneurship (Second edition): Part 2
and throughout rhe world. Chapter 10 will explain how to raise equity capital, and Chapter 11 will look at nonequity sources of financing, including bA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 epreneurs eking out subsistence livings in some of the most impoverished regions of the world are being financed by microcredit organizations.Entrepreneurial Financing for the World's Poorest“To ‘make poverty history,’ leaders in private, public, and civil-society organizations need to embrace entre Ebook Entrepreneurship (Second edition): Part 2 preneurship and innovation as antidotes to poverty. Wealth-substitution through aid must give way to wealth-creation through entrepreneurship.”2 But tEbook Entrepreneurship (Second edition): Part 2
he challenge is, "Where do nascent entrepreneurs living in poverty get any money to start a micro-business?” In Africa, for instance. 600 million peopA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 veloping world, 1.4 billion people (one in four) were living below SUS 1.25 a day in 2005, down from 1.9 billion (one in two) in 1981. Poverty has fallen by 500 million since 1981 (from 52% of the developing world's population in 1981 to 26% percent in 2005). and the world is still on track to halve Ebook Entrepreneurship (Second edition): Part 2 the 1990 poverty rate by 2015. But at this rate of progress, about a billion people will still live below $ 1.25 a day in 2015/Conventional banking iEbook Entrepreneurship (Second edition): Part 2
s based on the principle that the more you have, the more you can borrow. It relies on collateral, which means that a bank loan must be adequately covA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 ut of banks. For example, fewer than 10% of adults in many African countries have bank accounts. Even in .Mexico, the number of families with bank accounts is less than 25%.La Maman Mole Motuke lived in a wrecked car in a suburb of Kinshasa, Zaire, with her four children. If she could find something Ebook Entrepreneurship (Second edition): Part 2 to eat, she would feed two of her children: the next time she found something to eat, her other two children would eat. When organizers from a microcEbook Entrepreneurship (Second edition): Part 2
redit lending institution interviewed her, she said that she knew how to make chikwangue (manioc paste) and that she needed only a few dollars to starA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 erials.Today Maman Motuke and her family no longer live in a broken-down car; they rent a house with two bedrooms and a living room. Her four children go to school consistently, eat regularly, and dress well. She currently is saving to buy some land in a suburb farther outside the city and hopes to Ebook Entrepreneurship (Second edition): Part 2 build a house.7MicrofinancingIn 1976, in the village of Jobra, Bangladesh, Muhammad Yunus, an economist, started what today is the Grameen Bank. ThisEbook Entrepreneurship (Second edition): Part 2
was the beginning of the microfinance concept, which is best known for its application in rural areas of Bangladesh but which has nowspread throughoutA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 getting a loan.” And he practices what he preaches. Even beggars can get loans from the Grameen Bank. They are not required to give up begging but are encouraged to take up an additional income-generating activity, such as selling popular consumer items door to door or at the place of begging.' The Ebook Entrepreneurship (Second edition): Part 2 bank provides larger loans, called inĩcrociưerprise loans. for “fast-moving members." As of June 2009, almost 1.9 million Bangladeshis had takenEntrepEbook Entrepreneurship (Second edition): Part 2
reneurial Financing for the World's Poorest 339microenterprise loans. The average microenterprise loan was US$360, and the biggest was US$23,209 to puA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 llateral.6.Microfinancing is now available in many nations. It is generally agreed that it is a powerful tool in the fight to reduce poverty in poorer nations. The following is a microfinance success story from Mexico, excerpted from an article in 77w Financial Times.*Oscar Javier Rivera Jimenez sta Ebook Entrepreneurship (Second edition): Part 2 nds on the corrugated steel roof of bis warehouse and surveys the urban wasteland around him. "We constructed all of this with the money from CompartaEbook Entrepreneurship (Second edition): Part 2
mos," he says. "Before, there was nothing. We built it ourselves. That made it possible. And the help of God as well which is tire secret of everythinA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 . Rivera, who set up his business six years ago in the municipality of Chimalhuacan. one ofthe poorest slums on the outskirts of Mexico City, is one of Compartamos’ most successfid clients. Starting at the age of 21 by delivering parts on a tricycle—much of the area lacks paved roads, while both wat Ebook Entrepreneurship (Second edition): Part 2 er and electricity supplies are unreliable—he now controls an impressive warehouse, where builders can buy an array of different girders. He recentlyEbook Entrepreneurship (Second edition): Part 2
opened a second branch about a mile away. He now Isas nine employees, four from outside the family—showing that his brand ofenthusiastic entrepreneursA WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 l from multilateral funds. Now with more than 300.000 clients, its next plan is to convert Itself into a bank, so that it can take in savings and also start to offer life insurance. Its portfolio grew by 58% last year, and Carlos Daneland Carlos labarthc. its joint chief executives, intend to keep d Ebook Entrepreneurship (Second edition): Part 2 rat growth going. By 2008. they aim to have one million clients. Compartamos' average loan is for 3330. and as is typical ofmicrocredit elsewhere in tEbook Entrepreneurship (Second edition): Part 2
ire world, only 0.6% of its loans are 30 or more days late.Microcredit for the Poorest of the PoorThe first .Microcredit Summit Campaign was held in 1A WORLD_____WITHOUT POVER'Monday, 1” February 8.30 prr TLATXO du. VtKMr - m s*a Giovuial awl Muro iW***J*} «r.lh p,„l MCTUMMAD rUNVS. Nobol PriM-touMr Ebook Entrepreneurship (Second edition): Part 2 her financial and business services by the year 2005.”In November of 2006, the campaign was relaunched to 2015 with two new goals: (1) working to ensure that 175 million of the world’s poorest families, especially rhe women of those families, are receiving credit for self-employment and other financ Ebook Entrepreneurship (Second edition): Part 2 ial and business services by the end of 2015 and (2) working to ensure that 100 million families rise above the US$1 a day threshold, adjusted for purEbook Entrepreneurship (Second edition): Part 2
chasing power parity (PPP), between 1990 and 2015.1,1 The campaign defines the “poorest" people as those who arc in the bottom half of those living beGọi ngay
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