Helping women become entrepreneurs

Helping women become entrepreneurs is also a special goal of the SBA. Emily
Harrington, one of nine children, was born in Manila, the Philippines. She arrived in
the United States in 1972 as a foreign-exchange student. Convinced that there was a
market for hard-working, dedicated minorities and women, she launched Qualified
Resources, Inc., a professional staffing services firm. Inc. magazine selected her firm as
one of “America’s Fastest Growing Private Companies” just six years later. Harrington
credits the SBA with giving her the technical support that made her first loan possible.
Finding a SCORE counselor to work directly with her, she refined her business plan
until she got a bank loan. Before contacting the SBA, Harrington was turned down for
business loans “by all the banks I approached,” even though she worked as a manager
of loan credit and collection for a bank. Later, Emily Harrington was SBA’s winner
of the local, regional, and national Small Business Entrepreneurial Success Award for
Rhode Island, the New England region, and the nation! For several years in a row,
Qualified Resources, Inc., was named one of the fastest growing private companies
in Rhode Island. Now with more than 100 Women’s Business Centers, entrepreneurs
like Harrington can receive training and technical assistance, access to credit and capital,
federal contracts, and international markets. The SBA’s Online Women’s Business
Center (www.sba.gov/aboutsba/sbaprograms/onlinewbc/index.html) is a state-of-the-art
Internet site to help women expand their businesses. This free, interactive Web site offers
women information about business principles and practices, management techniques,
networking, industry news, market research and technology training, online counseling,
and hundreds of links to other sites, as well as information about the many SBA services
and resources available to them.
Small-Business Institutes Small-business institutes (SBIs), created in 1972,
are groups of senior and graduate students in business administration who provide
management counseling to small businesses. SBIs have been set up on more than
520 college campuses as another way to help business owners. The students work in
small groups guided by faculty advisers and SBA management-assistance experts. Like
SCORE volunteers, they analyze and help solve the problems of small-business owners
at their business establishments.
Small-Business Development Centers Small-business development centers
(SBDCs) are university-based groups that provide individual counseling and practical
training to owners of small businesses. SBDCs draw from the resources of local,
state, and federal governments, private businesses, and universities. These groups can
provide managerial and technical help, data from research studies, and other types
of specialized assistance of value to small businesses. In 2011, there were more than
1,000 SBDC locations, primarily at colleges and universities, assisting people such
as Kathleen DuBois. After scribbling a list of her abilities and the names of potential
clients on a napkin in a local restaurant, Kathleen DuBois decided to start her own
marketing firm. Beth Thornton launched her engineering firm after a discussion with
a colleague in the ladies room of the Marriott. When Richard Shell was laid off after
20 years of service with Nisource (Columbia Gas), he searched the Internet tirelessly
before finding the right franchise option. Introduced by mutual friends, Jim Bostic
and Denver McMillion quickly connected, built a high level of trust, and combined
their diverse professional backgrounds to form a manufacturing company. Although
these entrepreneurs took different routes in starting their new businesses in West
Virginia, all of them turned to the West Virginia Small Business Development Center
for the technical assistance to make their dreams become a reality.
SBA Publications The SBA issues management, marketing, and technical publications
dealing with hundreds of topics of interest to present and prospective
managers of small firms. Most of these publications are available from the SBA
free of charge. Others can be obtained for a small fee from the U.S. Government
Printing Office.
149

SBA Financial Assistance
Small businesses seem to be constantly in need of money. An owner may have enough
capital to start and operate the business. But then he or she may require more money to
finance increased operations during peak selling seasons, to pay for required pollution
control equipment, to finance an expansion, or to mop up after a natural disaster
such as a flood or a terrorist attack. For example, the Supplemental Terrorist Activity
Relief program has made $3.7 billion in loans to 8,202 small businesses harmed or
disrupted by the September 11 terrorist attacks. In October 2005, the SBA guaranteed
loans of up to $150,000 to small businesses affected by Hurricanes Katrina and Rita.
Since the 2005 hurricanes, SBA has made more than $4.9 billion in disaster loans to
102,903 homeowners and renters in the Gulf region. Businesses in the area received
16,828 business disaster loans with disbursements worth $1.5 billion.16 In 2010, the
SBA offered economic injury loans to fishing and fishing-dependent small businesses as
a result of the Deepwater BP spill that shut down commercial and recreational fishing
waters. According to the SBA Administrator Karen Mills, “SBA remains committed to
taking every step to help small businesses deal with the financial challenges they are
facing as a result of the Deepwater BP oil spill.”17 The SBA offers special financialassistance
programs that cover all these situations. However, its primary financial
function is to guarantee loans to eligible businesses.
Regular Business Loans Most of the SBA’s business loans are actually made by
private lenders such as banks, but repayment is partially guaranteed by the agency.
That is, the SBA may guarantee that it will repay the lender up to 90 percent of the
loan if the borrowing firm cannot repay it. Guaranteed loans approved on or after
October 1, 2002, may be as large as $1.5 million (this loan limit may be increased in
the future). The average size of an SBA-guaranteed business loan is about $300,000,
and its average duration is about eight years.
Small-Business Investment Companies Venture capital is money that is
invested in small (and sometimes struggling) firms that have the potential to become
very successful. In many cases, only a lack of capital keeps these firms from rapid and
solid growth. The people who invest in such firms expect that their investments will
grow with the firms and become quite profitable.
The popularity of these investments has increased over the past 30 years, but most
small firms still have difficulty obtaining venture capital. To help such businesses, the
SBA licenses, regulates, and provides financial assistance to small-business investment
companies (SBICs).
An SBIC is a privately owned firm that provides venture capital to small enterprises
that meet its investment standards. Such firms as America Online, Apple Computer,
Federal Express, Compaq Computer, Intel Corporation, Outback Steakhouse, and
Staples, Inc., all were financed through SBICs during their initial growth period. SBICs
are intended to be profit-making organizations. The aid that SBA offers allows them
to invest in small businesses that otherwise would not attract venture capital. Since
Congress created the program in 1958, SBICs have financed more than 107,000 small
businesses for a total of about $60 billion. Recently, SBIC benefited 1,477 businesses,
and 24 percent of these firms were less than two years old.18
State of Small Business During the Recession
Celebrating the 47th annual observance of National Small Business Week in May
2010, President Obama stated,
Our nation is still emerging from one of the worst recessions in our history, and
small businesses were among the hardest hit. From mom-and-pop stores to high
tech start-ups, countless small businesses have been forced to lay off employees or
shut their doors entirely. In these difficult times, we must do all we can to help
these firms recover from the recession and put Americans back to work. Our
150

Hasil (Bahasa Indonesia) 1:

Membantu perempuan menjadi pengusaha juga merupakan tujuan khusus SBA. EmilyHarrington, salah satu dari sembilan anak, lahir di Manila, Filipina. Dia tiba diAmerika Serikat pada tahun 1972 sebagai mahasiswa Valuta Asing. Yakin bahwa adapasar untuk bekerja keras, berdedikasi minoritas dan perempuan, dia meluncurkan berkualitasResources, Inc, staf profesional jasa perusahaan. Inc majalah dipilih Nya perusahaan sebagaisalah satu "America's Fastest Growing pribadi Companies" hanya enam tahun kemudian. HarringtonCredits SBA dengan memberinya teknis dukungan yang dimungkinkan pinjaman pertama nya.Menemukan seorang konselor Skor bekerja secara langsung dengan dia, dia halus nya rencana bisnissampai dia mendapat pinjaman bank. Sebelum menghubungi SBA, Harrington ditolak untukbisnis pinjaman "oleh semua bank saya didekati," meskipun ia bekerja sebagai seorang manajerpinjaman kredit dan koleksi untuk bank. Kemudian, Emily Harrington adalah pemenang SBA'sNasional, regional dan lokal kecil bisnis kewirausahaan sukses Award untukRhode Island, kawasan New England, dan bangsa! Selama beberapa tahun berturut-turut,Berkualitas Resources, Inc, bernama salah satu perusahaan swasta dengan pertumbuhan tercepatdi Rhode Island. Sekarang dengan lebih dari 100 wanita bisnis pusat, Pengusahaseperti Harrington dapat menerima bantuan teknis dan pelatihan, akses ke kredit dan modal,kontrak federal, dan pasar internasional. SBA Online wanita bisnisCenter (www.sba.gov/aboutsba/sbaprograms/onlinewbc/index.html) is a state-of-the-artInternet site to help women expand their businesses. This free, interactive Web site offerswomen information about business principles and practices, management techniques,networking, industry news, market research and technology training, online counseling,and hundreds of links to other sites, as well as information about the many SBA servicesand resources available to them.Small-Business Institutes Small-business institutes (SBIs), created in 1972,are groups of senior and graduate students in business administration who providemanagement counseling to small businesses. SBIs have been set up on more than520 college campuses as another way to help business owners. The students work insmall groups guided by faculty advisers and SBA management-assistance experts. LikeSCORE volunteers, they analyze and help solve the problems of small-business ownersat their business establishments.Small-Business Development Centers Small-business development centers(SBDCs) are university-based groups that provide individual counseling and practicaltraining to owners of small businesses. SBDCs draw from the resources of local,state, and federal governments, private businesses, and universities. These groups canprovide managerial and technical help, data from research studies, and other typesof specialized assistance of value to small businesses. In 2011, there were more than1,000 SBDC locations, primarily at colleges and universities, assisting people suchas Kathleen DuBois. After scribbling a list of her abilities and the names of potentialclients on a napkin in a local restaurant, Kathleen DuBois decided to start her ownmarketing firm. Beth Thornton launched her engineering firm after a discussion witha colleague in the ladies room of the Marriott. When Richard Shell was laid off after20 years of service with Nisource (Columbia Gas), he searched the Internet tirelesslybefore finding the right franchise option. Introduced by mutual friends, Jim Bosticand Denver McMillion quickly connected, built a high level of trust, and combinedtheir diverse professional backgrounds to form a manufacturing company. Althoughthese entrepreneurs took different routes in starting their new businesses in WestVirginia, all of them turned to the West Virginia Small Business Development Centerfor the technical assistance to make their dreams become a reality.SBA Publications The SBA issues management, marketing, and technical publicationsdealing with hundreds of topics of interest to present and prospectivemanagers of small firms. Most of these publications are available from the SBAfree of charge. Others can be obtained for a small fee from the U.S. GovernmentPrinting Office.149SBA Financial AssistanceSmall businesses seem to be constantly in need of money. An owner may have enoughmodal untuk memulai dan menjalankan bisnis. Tetapi kemudian ia mungkin memerlukan lebih banyak uang untukkeuangan meningkat operasi selama puncak musim yang menjual, untuk membayar diperlukan polusiperalatan kontrol, untuk membiayai perluasan, atau untuk mengepel setelah bencana alamseperti banjir atau serangan teroris. Sebagai contoh, kegiatan teroris tambahanProgram bantuan telah membuat sebesar $3,7 miliar dalam bentuk pinjaman kepada usaha kecil 8,202 yang dirugikan atauterganggu oleh serangan teroris September 11. Pada Oktober 2005, SBA dijaminpinjaman sampai dengan $ 150.000 untuk usaha kecil dipengaruhi oleh Badai Katrina dan Rita.Sejak 2005 angin topan, SBA telah membuat lebih dari $4,9 milyar dalam bencana pinjaman untuk102,903 pemilik rumah dan penyewa di wilayah Teluk. Bisnis di daerah menerima16,828 bisnis bencana pinjaman dengan pencairan dana senilai $1,5 billion.16 di 2010SBA ditawarkan ekonomi cedera pinjaman untuk memancing dan memancing tergantung usaha kecil sebagaihasil dari Deepwater BP Tumpahan yang menutup komersial dan rekreasi Memancingperairan. Menurut SBA Administrator Karen Mills, "SBA tetap berkomitmen untukmengambil setiap langkah untuk membantu usaha kecil yang menghadapi tantangan-tantangan keuangan merekamenghadapi akibat tumpahan minyak Deepwater BP." SBA 17 menawarkan khusus financialassistanceprogram yang mencakup semua situasi ini. Namun, utamanya keuanganfungsi adalah untuk menjamin pinjaman untuk usaha yang memenuhi syarat.Regular Business Loans Most of the SBA’s business loans are actually made byprivate lenders such as banks, but repayment is partially guaranteed by the agency.That is, the SBA may guarantee that it will repay the lender up to 90 percent of theloan if the borrowing firm cannot repay it. Guaranteed loans approved on or afterOctober 1, 2002, may be as large as $1.5 million (this loan limit may be increased inthe future). The average size of an SBA-guaranteed business loan is about $300,000,and its average duration is about eight years.Small-Business Investment Companies Venture capital is money that isinvested in small (and sometimes struggling) firms that have the potential to becomevery successful. In many cases, only a lack of capital keeps these firms from rapid andsolid growth. The people who invest in such firms expect that their investments willgrow with the firms and become quite profitable.The popularity of these investments has increased over the past 30 years, but mostsmall firms still have difficulty obtaining venture capital. To help such businesses, theSBA licenses, regulates, and provides financial assistance to small-business investmentcompanies (SBICs).An SBIC is a privately owned firm that provides venture capital to small enterprisesthat meet its investment standards. Such firms as America Online, Apple Computer,Federal Express, Compaq Computer, Intel Corporation, Outback Steakhouse, andStaples, Inc., all were financed through SBICs during their initial growth period. SBICsare intended to be profit-making organizations. The aid that SBA offers allows themto invest in small businesses that otherwise would not attract venture capital. SinceCongress created the program in 1958, SBICs have financed more than 107,000 smallbusinesses for a total of about $60 billion. Recently, SBIC benefited 1,477 businesses,and 24 percent of these firms were less than two years old.18State of Small Business During the RecessionCelebrating the 47th annual observance of National Small Business Week in May2010, President Obama stated,Our nation is still emerging from one of the worst recessions in our history, andsmall businesses were among the hardest hit. From mom-and-pop stores to hightech start-ups, countless small businesses have been forced to lay off employees orshut their doors entirely. In these difficult times, we must do all we can to helpthese firms recover from the recession and put Americans back to work. Our150

Hasil (Bahasa Indonesia) 2:

Membantu wanita menjadi pengusaha juga merupakan tujuan khusus dari SBA. Emily
Harrington, salah satu dari sembilan anak, lahir di Manila, Filipina. Dia tiba di
Amerika Serikat pada tahun 1972 sebagai mahasiswa valuta asing. Yakin bahwa ada
pasar untuk bekerja keras, berdedikasi minoritas dan perempuan, ia meluncurkan Berkualitas
Resources, Inc, sebuah perusahaan layanan staf profesional. Majalah Inc yang dipilih perusahaan sebagai
salah satu dari "Fastest Growing perusahaan Amerika Swasta" hanya enam tahun kemudian. Harrington
kredit SBA dengan memberinya dukungan teknis yang membuat pinjaman pertamanya mungkin.
Menemukan seorang konselor SCORE untuk bekerja secara langsung dengan dia, dia disempurnakan rencana bisnisnya
sampai dia mendapat pinjaman bank. Sebelum menghubungi SBA, Harrington ditolak untuk
pinjaman usaha "oleh semua bank saya mendekati," meskipun dia bekerja sebagai manajer
kredit pinjaman dan koleksi untuk bank. Kemudian, Emily Harrington adalah pemenang SBA
lokal, regional, dan nasional Usaha Kecil Wirausaha Sukses Award untuk
Rhode Island, wilayah New England, dan bangsa! Selama beberapa tahun berturut-turut,
Berkualitas Resources, Inc, bernama salah satu perusahaan swasta yang paling cepat berkembang
di Rhode Island. Sekarang dengan lebih dari 100 Wanita Pusat Bisnis, pengusaha
seperti Harrington dapat menerima pelatihan dan bantuan teknis, akses terhadap kredit dan modal,
kontrak federal, dan pasar internasional. SBA Wanita Online Bisnis
Pusat (www.sba.gov/aboutsba/sbaprograms/onlinewbc/index.html) adalah negara-of-the-art
situs internet untuk membantu wanita mengembangkan usaha mereka. Gratis, situs Web interaktif ini menawarkan
wanita informasi tentang prinsip-prinsip bisnis dan praktek, teknik manajemen,
jaringan, berita industri, riset pasar dan teknologi pelatihan, konseling online,
dan ratusan link ke situs lain, serta informasi tentang berbagai layanan SBA
dan sumber daya yang tersedia untuk mereka.
lembaga Kecil-Kecil Bisnis Institutes-bisnis (SBI), dibuat pada tahun 1972,
adalah kelompok mahasiswa senior dan pascasarjana dalam administrasi bisnis yang menyediakan
konseling manajemen untuk usaha kecil. SBI telah dibentuk pada lebih dari
520 kampus sebagai cara lain untuk membantu pemilik bisnis. Para siswa bekerja dalam
kelompok-kelompok kecil dipandu oleh penasihat fakultas dan SBA ahli manajemen-bantuan. Seperti
relawan SCORE, mereka menganalisis dan membantu memecahkan masalah pemilik usaha kecil
di pendirian bisnis mereka.
Pusat pengembangan Kecil-Bisnis Pusat Pengembangan Kecil-bisnis
(SBDCs) adalah kelompok berbasis universitas yang menyediakan konseling individu dan praktis
pelatihan untuk pemilik kecil bisnis. SBDCs menarik dari sumber daya lokal,
negara bagian, dan pemerintah federal, perusahaan swasta, dan perguruan tinggi. Kelompok-kelompok ini dapat
memberikan manajerial dan teknis bantuan, data dari studi penelitian, dan jenis-jenis
bantuan khusus dari nilai untuk usaha kecil. Pada tahun 2011, ada lebih dari
1.000 lokasi SBDC, terutama di perguruan tinggi dan universitas, membantu orang-orang seperti
seperti Kathleen DuBois. Setelah menulis daftar kemampuannya dan nama-nama potensial
klien pada serbet di restoran setempat, Kathleen DuBois memutuskan untuk memulai sendiri
perusahaan pemasaran. Beth Thornton meluncurkan perusahaan teknik setelah diskusi dengan
seorang rekan di ruangan wanita dari Marriott. Ketika Richard Shell dipecat setelah
20 tahun layanan dengan Nisource (Columbia Gas), ia mencari internet tanpa lelah
sebelum menemukan pilihan waralaba yang tepat. Diperkenalkan oleh teman bersama, Jim Bostic
dan Denver McMillion cepat terhubung, membangun tingkat kepercayaan yang tinggi, dan dikombinasikan
latar belakang profesi mereka beragam untuk membentuk sebuah perusahaan manufaktur. Meskipun
pengusaha ini mengambil rute yang berbeda dalam memulai bisnis baru mereka di West
Virginia, semuanya berbalik ke Virginia Barat Pengembangan Usaha Kecil Pusat
untuk bantuan teknis untuk membuat impian mereka menjadi kenyataan.
SBA Publikasi SBA masalah manajemen, pemasaran, dan teknis publikasi
berurusan dengan ratusan topik yang menarik untuk menyajikan dan calon
manajer perusahaan kecil. Sebagian besar publikasi ini tersedia dari SBA
gratis. Lainnya dapat diperoleh untuk biaya yang kecil dari Pemerintah AS
Kantor Percetakan.
149 SBA Bantuan Keuangan Usaha kecil tampaknya selalu membutuhkan uang. Seorang pemilik mungkin memiliki cukup modal untuk memulai dan mengoperasikan bisnis. Tapi kemudian ia mungkin memerlukan lebih banyak uang untuk membiayai peningkatan operasi selama musim jual puncak, untuk membayar diperlukan polusi peralatan kontrol, untuk membiayai ekspansi, atau untuk mengepel setelah bencana alam seperti banjir atau serangan teroris. Sebagai contoh, Kegiatan Tambahan Teroris Program Bantuan telah membuat $ 3,7 miliar pada pinjaman untuk 8.202 usaha kecil dirugikan atau terganggu oleh serangan teroris 11 September. Pada bulan Oktober 2005, SBA dijamin pinjaman hingga $ 150.000 untuk usaha kecil yang terkena dampak Badai Katrina dan Rita. Sejak tahun 2005 badai, SBA telah membuat lebih dari $ 4900000000 pinjaman bencana untuk 102.903 pemilik rumah dan penyewa di kawasan Teluk. Bisnis di daerah menerima 16.828 pinjaman bencana bisnis dengan pengeluaran senilai $ 1,5 billion.16 Pada tahun 2010, SBA menawarkan ekonomi pinjaman cedera memancing dan memancing tergantung usaha kecil sebagai akibat dari tumpahan Deepwater BP yang menutup penangkapan ikan komersial dan rekreasi air. Menurut SBA Administrator Karen Mills, "SBA tetap berkomitmen untuk mengambil setiap langkah untuk membantu usaha kecil menghadapi tantangan keuangan mereka menghadapi akibat tumpahan minyak Deepwater BP." 17 SBA menawarkan financialassistance khusus program yang mencakup semua situasi. Namun, keuangan utamanya berfungsi untuk menjamin pinjaman untuk usaha yang layak. Pinjaman Reguler Bisnis Sebagian pinjaman bisnis SBA sebenarnya dibuat oleh pemberi pinjaman swasta seperti bank, tetapi pembayaran sebagian dijamin oleh lembaga tersebut. Artinya, SBA dapat menjamin bahwa itu akan membayar pinjaman hingga 90 persen dari pinjaman jika perusahaan pinjaman tidak bisa membayarnya kembali. Dijamin pinjaman disetujui pada atau setelah 1 Oktober 2002, mungkin sebagai besar sebagai $ 1.500.000 (batas pinjaman ini dapat ditingkatkan di masa mendatang). Ukuran rata-rata pinjaman bisnis SBA-dijamin adalah sekitar $ 300.000, dan durasi rata-rata adalah sekitar delapan tahun. Modal Investasi Kecil-Bisnis Perusahaan Venture adalah uang yang diinvestasikan dalam kecil (dan kadang-kadang berjuang) perusahaan yang memiliki potensi untuk menjadi sangat sukses. Dalam banyak kasus, hanya kekurangan modal terus perusahaan-perusahaan dari yang cepat dan pertumbuhan yang solid. Orang-orang yang berinvestasi di perusahaan tersebut berharap bahwa investasi mereka akan tumbuh dengan perusahaan dan menjadi sangat menguntungkan. Popularitas investasi tersebut telah meningkat selama 30 tahun terakhir, tetapi sebagian besar perusahaan kecil masih mengalami kesulitan mendapatkan modal usaha. Untuk membantu bisnis tersebut, lisensi SBA, mengatur, dan menyediakan bantuan keuangan untuk investasi usaha kecil perusahaan (SBICs). Sebuah SBIC adalah perusahaan swasta yang menyediakan modal usaha untuk usaha kecil yang memenuhi standar investasi. Perusahaan-perusahaan seperti America Online, Apple Computer, Federal Express, Compaq Computer, Intel Corporation, Outback Steakhouse, dan Staples, Inc., semuanya dibiayai melalui SBICs selama periode pertumbuhan awal mereka. SBICs dimaksudkan untuk menjadi organisasi laba. Bantuan yang SBA menawarkan memungkinkan mereka untuk berinvestasi dalam usaha kecil yang lain tidak akan menarik modal ventura. Sejak Kongres menciptakan program pada tahun 1958, SBICs telah membiayai lebih dari 107.000 kecil bisnis untuk total sekitar $ 60 miliar. Baru-baru ini, SBIC diuntungkan 1477 bisnis, dan 24 persen dari perusahaan-perusahaan ini kurang dari dua tahun old.18 Negara Usaha Kecil Selama resesi Merayakan ketaatan tahunan ke-47 Nasional Usaha Kecil minggu di bulan Mei 2010, Presiden Obama menyatakan, Bangsa kita masih muncul dari salah satu resesi terburuk dalam sejarah kita, dan usaha kecil termasuk di antara yang paling sulit hit. Dari ibu-dan-pop toko untuk tinggi teknologi start-up, usaha kecil yang tak terhitung jumlahnya telah dipaksa untuk memberhentikan karyawan atau menutup pintu mereka sepenuhnya. Dalam masa-masa sulit, kita harus melakukan semua yang kami bisa untuk membantu perusahaan-perusahaan ini pulih dari resesi dan menempatkan Amerika kembali bekerja. Kami 150