Ib yam dhau los, peb Hmoob yog ib cuab neeg uas muaj zog, ua siab dawb, thiab ua haujlwm zoo. Peb cov niam txiv, pog poj niam, thiab tij laug tseem ceeb ua neej nyob deb tuaj txog no, lawv tsis muaj nyiaj nqi ntau, tab sis lawv muaj kev ntseeg siab, muaj zog, thiab muaj kev ncaj ncees. Tej zaum nws yog vim li cas peb Hmoob thiaj li muaj peb txoj kev ua lag luam ua ntej. Tab sis, nyob rau hauv lub neej moden no, kev ua lag luam tsis tsuas yog ua siab dawb xwb. Nws xav tau kev paub, kev tshawb nrhiav, thiab tshwj xeeb tshaj yog nyiaj pab kom muaj peev xwm ua haujlwm.
Qhov tsab xov xwm no yog sau rau koj, tus uas muaj siab haus lom, xav tsim ib lub tswv yim lossis tswj ib lub lag luam me me Hmoob. Kuv yuav qhia koj txog txoj kev txhawb nyeem pab uas muaj nyob rau sab hauv, yuav xaiv li cas, thiab yuav ua li cas kom tau txais kev pab ntawm lawv. Cia peb pib!
Yog Leej Twg? Kev Txhawb Nyeem Pab rau Kev Lag Luam Me Hmoob
Thaum peb hnov lo lus “kev txhawb nyeem pab,” peb feem ntau xav txog bank. Tab sis, kev txhawb nyeem pab muaj ntau hom. Nws yog ib tug npe hu ua rau ib tug neeg lossis ib pawg neeg muab nyiaj rau lwm tus neeg ua lag luam, xav kom lawv muaj peev xwm ua haujlwm thiab loj hlob. Qee zaum, nyiaj pab no yuav tau rov qab, qee zaum tsis tas yuav rov qab. Nws tsis yog kev muab nyiaj xwb, tab sis yog kev sib pab ua kom muaj peev xwm ua tiav.
Rau peb Hmoob, kev txhawb nyeem pab no tseem ceeb heev. Peb cov lag luam feem ntau pib me me, ua siab dawb, thiab tsis muaj cov nyiaj loj loj. Kev txhawb nyeem pab yuav pab kom peb muaj peev xwm yuav khoom lag luam, hloov kho lub tsev ua haujlwm, muab khoom tso rau hauv online, lossis coj neeg ua haujlwm. Nws yog ib qho tseem ceeb uas pab kom peb cov lag luam tsis tu ncua vim tsis muaj nyiaj.
Vim Li Cas Kev Txhawb Nyeem Pab Tseem Ceeb Rau Peb Hmoob Lag Luam?
- Pab Kom Pib: Coob leej Hmoob xav pib ua lag luam tab sis tsis muaj nyiaj pab pab. Kev txhawb nyeem pab pab kom lawv muaj peev xwm pib lawv lub tswv yim.
- Pab Kom Loj: Tsis tas li ntawv, thaum lub lag luam pib ua haujlwm lawm, nws xav tau nyiaj kom loj hlob, xws li yuav khoom ntau dua, coj neeg ua haujlwm ntau dua, lossis mus qhib ib qho tsev kawg ntawm. Kev txhawb nyeem pab pab tau qhov no.
- Tsim Kev Nyab Xeeb: Thaum peb muaj nyiaj pab, peb tsis tas yuav tsum nug bank kom muab nyiaj, uas feem ntau yuav tsum muaj nyiaj rov qab thiab cov lus txiav txim siab. Kev txhawb nyeem pab feem ntau muaj cov cai yooj yim dua.
Txoj Haujlwm Loj Tshaj Plaws ntawm Small Business Administration (SBA) qhia tias kev txhawb nyeem pab yog ib qho tseem ceeb rau kev loj hlob ntawm lag luam me me, xws li peb Hmoob cov lag luam.
Hom Kev Txhawb Nyeem Pab: Koj Puas Paub Txog Lawv?
Kev txhawb nyeem pab tsis muaj ib hom xwb. Txhawm rau xaiv tau hom zoo, koj yuav tsum paub txog qhov cuam tshuam ntawm txhua hom.
1. Kev Txhawb Nyeem Pab Uas Tsis Yuav Rov Qab (Grants)
Qhov no yog hom kev txhawb nyeem pab zoo tshaj plaws! Nws yog ib qho nyiaj pab uas koj yuav tsum tau ua tib zoo, tab sis tsis tas yuav rov qab. Nws yog kev muab nyiaj dawb.
- Yam Uas Zoo: Tsis yuav rov qab! Koj tsis txhawj xeeb txog kev coj nyiaj rov qab.
- Yam Uas Tsis Zoo: Feem ntau yuav tau ua tib zoo heev, muaj cov lus txiav txim siab, thiab muaj peev xwm tau txais yam tsis dees. Coob lub lag luam sib tw thiab.
Rau peb Hmoob, muaj ntau qhov chaw uas muab cov kev txhawb nyeem pab no, xws li cov koom haum ua haujlwm rau haiv neeg, xws li Operation HOPE uas pab kom neeg muaj peev xwm lag luam, lossis cov koom haum hauv zos uas txhawb kev loj hlob lag luam.
2. Kev Txhawb Nyeem Pab Uas Yuav Rov Qab (Loans)
Qhov no yog kev coj nyiaj ntawm bank lossis lwm tus neeg, thiab koj yuav tsum coj nyiaj rov qab nrog nqi nyiaj nqi (interest).
- Yam Uas Zoo: Muaj nyob sab hauv, feem ntau muaj nyiaj ntau.
- Yam Uas Tsis Zoo: Koj yuav tsum muaj kev nyab xeeb zoo (good credit) thiab cov khoom lag luam uas yuav tsum tso rau hauv (collateral). Yog koj tsis coj nyiaj rov qab, koj yuav poob khoom lag luam.
Minority Business Development Agency (MBDA) muab cov lus qhia txog kev txhawb nyeem pab rau haiv neeg tsawg, xws li peb Hmoob.
3. Kev Txhawb Nyeem Pab los ntawm Koj Cov Neeg (Crowdfunding)
Qhov no yog kev nug koj cov neeg nyob ze, phooj ywg, thiab lwm tus neeg nyob online kom pab muab nyiaj rau koj lub lag luam. Xws li hauv platforms xws li GoFundMe lossis Kickstarter.
- Yam Uas Zoo: Tsis yuav nug bank. Tsim kev sib raug zoo thiab tswj hwm nrog koj cov neeg pab.
- Yam Uas Tsis Zoo: Koj yuav tsum muaj ib qho kev pab cuam tshwj xeeb thiab yuav tsum muaj peev xwm hais lus zoo.
4. Kev Pab los ntawm Cov Koom Haum Hmoob (Community-Based Lenders)
Qee zaum, kev txhawb nyeem pab zoo tshaj plaws tseem nyob ze. Muaj cov koom haum Hmoob uas pab txhawb kev lag luam, xws li cov koom haum pab neeg Hmoob hauv zos. Lawv paub peb txoj kev, paub peb cov teeb meem, thiab feem ntau muaj cov lus txiav txim siab yooj yim dua bank.
Kev Nrhiav kom paub cov koom haum no yog qhov tseem ceeb. Koj tuaj yeem nug hauv koj peb coob Hmoob hauv zos.
Kev Xaiv Kev Txhawb Nyeem Pab Zoo: Koj Yuav Xaiv Li Cas?
Txhawm rau xaiv tau hom kev txhawb nyeem pab zoo, cia kuv qhia koj qee yam uas yuav tsum xav txog.
Koj Lub Lag Luam Xav Tau Pes Tsawg Nyiaj?
Koj yuav tsum paub meej meej tias koj xav tau pes tsawg nyiaj. Koj puas xav tau $5,000? $20,000? lossis ntau dua? Koj yuav tsum muaj ib daim ntawv qhia txog qhov nyiaj no yuav siv rau dab tsi. Xws li:
- $2,000 rau kev yuav khoom ua paj ntaub
- $1,000 rau kev kho lub tsev ua haujlwm
- $500 rau kev luam ntawv online
Thaum koj paub meej meej, koj thiaj li tuaj yeem xaiv hom kev txhawb nyeem pab uas muaj nyiaj tas li.
Koj Puas Muaj Kev Nyab Xeeb Zoo (Good Credit)?
Yog koj muaj kev nyab xeeb zoo, koj yuav muaj peev xwm tau txais kev txhawb nyeem pab yuav rov qab ntawm bank. Yog tsis muaj, koj yuav tuaj yeem xav txog kev txhawb nyeem pab uas tsis yuav rov qab lossis kev pab los ntawm koj cov neeg.
Cov lus qhia ntawm Consumer Financial Protection Bureau (CFPB) pab koj nkag siab txog kev tsim kev nyab xeeb.
Koj Puas Muaj Cov Khoom Lag Luam Uas Yuav Tso Rau Haujlwm (Collateral)?
Qee zaum, txhawm rau tau txais kev txhawb nyeem pab yuav rov qab, koj yuav tsum muaj ib yam dab tsi uas nyiaj nqi, xws li lub tsev lossis lub rooj tsav xwb, uas koj tso rau hauv ua koj tus neeg tso. Yog koj tsis coj nyiaj rov qab, lawv yuav coj qhov khoom ntawd. Yog koj tsis muaj, koj yuav xav txog lwm hom kev txhawb nyeem pab.
Kev Sib Tw thiab Kev Ua Tib Zoo: Koj Yuav Ua Li Cas Kom Tau Kev Txhawb Nyeem Pab?
Nws tsis yog ib qho yooj yim. Nws xav tau kev npaj thiab kev ua haujlwm. Cia kuv qhia koj kauj ruam.
Kauj Ruam 1: Tsim Koj Daim Ntawv Qhia Kev Lag Luam (Business Plan)
Qhov no yog qhov tseem ceeb tshaj plaws! Koj daim ntawv qhia kev lag luam yog ib daim ntawv uas qhia txog koj lub lag luam: koj yuav ua dab tsi, yuav ua li cas, yuav muag rau leej twg, thiab yuav ua zaum mov pes tsawg. Neeg muab nyia pab xav pom qhov no.
Hnub no, muaj ntau cov kev pab online uas pab koj tsim daim ntawv qhia kev lag luam yooj yim. SCORE, ib pawg neeg pab lag luam, muab cov template zoo thiab kev pab dawb.
Kauj Ruam 2: Nrhiav Cov Chaw Muab Kev Txhawb Nyeem Pab
- Hauv zos: Nug koj cov neeg Hmoob. Paub leej twg ua lag luam lawm? Lawv puas paub txog qhov chaw muab nyiaj pab?
- Online: Sau npe nyob rau hauv cov websites uas muab kev txhawb nyeem pab rau haiv neeg tsawg thiab lag luam me me. USA.gov’s business section yog qhov pib zoo.
Kauj Ruam 3: Sau Koj Daim Ntawv Thov (Application)
Thaum koj pom qhov chaw muab nyiaj pab, koj yuav tsum sau daim ntawv thov. Ua tib zoo! Qhia meej meej txog koj lub lag luam, qhia txog vim li cas koj xav tau nyiaj, thiab qhia txog vim li cas koj lub lag luam yuav ua tiav. Coj siab ntev. Qee zaum, koj yuav thov tsis tau ib zaug xwb.
Kev Txhawb Nyeem Pab Sib Npaug: Kev Xaiv Zoo Tshaj Plaws Rau Koj Lub Lag Luam
| Hom Kev Txhawb Nyeem Pab | Yam Uas Zoo | Yam Uas Tsis Zoo | Yog Zoo Rau Leej Twg? |
|---|---|---|---|
| Kev Txhawb Nyeem Pab Uas Tsis Yuav Rov Qab (Grants) | ✧ Tsis yuav rov qab ✧ Tsis xav tau kev nyab xeeb | ✧ Yuav ua tib zoo heev ✧ Coob leej sib tw | ✧ Cov lag luam uas muaj kev pab cuam tshwj xeeb rau haiv neeg |
| Kev Txhawb Nyeem Pab Yuav Rov Qab (Bank Loans) | ✧ Muaj nyiaj ntau ✧ Cov cai meej | ✧ Yuav tsum muaj kev nyab xeeb zoo ✧ Yuav tsum muaj khoom lag luam tso | ✧ Cov lag luam muaj kev nyab xeeb zoo thiab muaj hnub nyoog |
| Kev Pab los ntawm Koj Cov Neeg (Crowdfunding) | ✧ Tsim kev sib raug zoo ✧ Tsis xav tau kev rov qab | ✧ Yuav tsum muaj kev pab cuam ✧ Yuav tsum muaj peev xwm hais lus zoo | ✧ Cov lag luam uas muaj cov neeg pab ntau |
| Kev Pab los ntawm Koj Zej Zog (CDFIs) | ✧ Cov lus txiav txim siab yooj yim ✧ Kev pab nrog cov lus txiav txim siab | ✧ Feem ntau muaj nyiaj me me | ✧ Tag nrho cov lag luam me me, tshwj xeeb rau haiv neeg tsawg |
Cov Lus Nug Nquag Nquav (FAQ) Txog Kev Txhawb Nyeem Pab
Q: Kuv yog ib tug neeg Hmoob uas tseem tsis paub lus Askiv thiab kev lag luam heev. Kuv puas tuaj yeem tau txais kev txhawb nyeem pab?
A: Yog, koj tuaj yeem! Muaj ntau qhov chaw pab, xws li cov koom haum Hmoob hauv zos, uas pab txhais lus thiab qhia txog kev thov. Koj tsis yuav tsum ua kev pcam. U.S. Department of the Treasury muaj cov lus qhia rau neeg uas tsis paub lus Askiv.
Q: Kuv lub lag luam tseem tsuas yog ib tug kev xav xwb. Kuv puas thov tau kev txhawb nyeem pab?
A: Feem ntau, kev txhawb nyeem pab xav pom tias koj lub lag luam twb pib ua haujlwm lawm. Tab sis, muaj cov kev pab uas pab kho koj lub tswv yim, xws li kev pab sau daim ntawv qhia kev lag luam. Koj tuaj yeem nrhiav Small Business Development Centers (SBDCs) uas muab kev pab dawb.
Q: Kuv tau hnov txog “venture capital.” Qhov puas yog tib yam?
A: Tsis yog. Venture capital yog hom kev txhawb nyeem pab uas neeg coj nyiaj loj loj muab rau lub lag luam uas muaj peev xwm loj hlob heev, xws li cov lag luam technology. Rau peb cov lag luam me me Hmoob, qhov no tsis coob.
Q: Kuv thov kev txhawb nyeem pab tab sis tsis tau. Kuv yuav ua li cas?
A: Ua tsis paug! Coob leej thov tsis tau ib zaug xwb. Nug vim li cas. Yuav luag tag kis rov thov. Koj tuaj yeem hloov kho koj daim ntawv thov kom zoo dua.
Xaus: Koj Txoj Kev Ua Lag Luam
Peb cov niam txiv ua neej nyob deb tuaj txog no, lawv tsis muaj kev txhawb nyeem pab. Lawv ua siab dawb xwb. Tab sis, hnub no, peb muaj qhov kev pab no. Kev txhawb nyeem pab yog ib qho khoom lag luam tshiab uas pab peb kom peb cov lag luam muaj peev xwm ua haujlwm thiab loj hlob.
Kev txhawb nyeem pab tsis yog kev muab nyiaj xwb. Nws yog kev sib pab ua kom muaj peev xwm ua tiav. Nws yog kev tso cai rau peb kom peb cov lag luam Hmoob ua tiav, ua kom peb cov neeg paub txog peb, thiab ua kom peb cov menyuam yaus muaj kev nyab xeeb ntxiv.
Yog koj muaj siab haus lom, koj yuav tsum ua. Pib me me. Sau koj lub tswv yim hauv daim ntawv. Nug koj cov neeg pab. Nrhiav kom paub cov chaw muab nyiaj pab. Koj lub lag luam me me Hmoob tuaj yeem loj hlob, ua kom koj thiab koj tsev neeg muaj kev nyob zoo.
Cov Lus Xaus: Kev txhawb nyeem pab yog ib qho tseem ceeb rau kev lag luam me Hmoob. Nws pab kom peb muaj peev xwm pib thiab loj hlob peb cov lag luam. Xaiv hom kev txhawb nyeem pab zoo, npaj koj daim ntawv qhia kev lag luam, thiab ua tib zoo. Koj yuav ua tiav!
Cov Lus Qhia Txog Kev Ua Lag Luam: Yog koj xav paub ntxiv, koj tuaj yeem mus saib xyuas cov websites uas kuv hais txog ntawm no, xws li SBA, MBDA, thiab SCORE. Lawv muaj cov ntaub ntawv zoo ntau.
Ua tsaug rau koj vim nyeem txog thaum ntev! Kuv vam tias koj tau paub ntau ntxiv txog kev txhawb nyeem pab thiab txoj kev ua lag luam ua tiav.
Tsoom fwv: Cov ntaub ntawv no yog rau qhia xwb. Koj yuav tsum nug tus kws paub txog nyiaj kom paub meej txog koj txoj cai.