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Hello, this is Bizbot, a friendly assistant for small business owners!
Today, we will explain about microfinance, a loan product exclusively for the common people that provides low-interest loans for operation/facility/start-up funds without collateral or guarantee to people who have difficulty accessing institutional finance due to low personal credit score and income! If you are a prospective entrepreneur or a business owner currently running a sole proprietorship, please pay attention!
| 🌟 Summary of 4 types of microfinance startup and operating funds
Microfinance startup and operating funds are divided into four types: start-up funds, operating funds, facility improvement funds, and emergency livelihood funds.
Please note that a person whose personal credit rating is in the bottom 20/100 as of 2022 is below NICE 744 points and KCB 700 points!
So, shall we summarize the details of support by fund with Bizbot?:)
1️⃣ Microfinance start-up funds
In the case of microfinance startup funds, loan limits are applied differently depending on the purpose of the funds.
Payments are made differentially to those planning to start a business/start-up operating funds and initial facility funds/those starting a business as an unregistered business/those purchasing vehicles for livelihood, so please carefully consider the loan limit and agreed-upon interest rate appropriate for the purpose.
2️⃣ Microcredit operating funds
In the case of microfinance operating funds, funds for the purchase of products, semi-finished products, raw materials, etc. are provided to self-employed people who have been operating a business for more than 6 months after registering a business in their name. In the case of operating as a freelancer / unregistered business, the loan limit is paid differently. Please note.
3️⃣ Microcredit facility opening funds
In the case of funds for opening microfinance facilities, we provide funds to improve facilities at the workplace of self-employed people who have been operating a business for more than 6 months after registering a business in their name. We recommend that you contact us if you are self-employed and wish to purchase, replace, or repair equipment, supplies, and commercial vehicles needed to improve facilities.
4️⃣ Microfinance Emergency Living Fund
In the case of the Microcredit Emergency Living Fund, it is only available to those who have faithfully repaid the Microcredit Startup, Operation, and Facility Improvement Fund loan at least 12 times.
The standard for faithful repayment is for those who are in regular use without delinquency as of the date of application. Even for one loan, if the number of overdue days is more than 1 day, you cannot use the loan. Please keep this in mind.
Today, we learned more about microfinance products! In the case of microfinance products, the support restriction requirements are divided in detail, so if you are an owner interested in microfinance, please contact the National Microfinance Integration Support Center or microfinance branch for details. Next time, we will cover other policy microfinance products. We will take our time.
👉 Go to [Institute for Microfinance Promotion website]
And if you haven’t seen the previous content, Sunshine Loan products, please refer to it!
👉 Find out about the policy microfinance product ‘Sunshine Loan’ at a glance!
ℹ️ With 800 support projects coming up every month, it’s hard to find them all, right?
Bizbot recommends only the support projects that are essential to the CEO for free! 😊
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Korea Credit Data Co., Ltd. | Representative: Dongho Kim | Business registration number: 734-88-00358
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