Vay von cho phu nu lam chu doanh nghiep la gi?

Vay von cho phu nu lam chu doanh nghiep (Loan for Women-Owned Business) la cac san pham tin dung va chuong trinh ho tro tai chinh duoc thiet ke danh rieng cho doanh nghiep ma phu nu nam giu vai tro chu so huu hoac dieu hanh chinh.

Thuat ngu tieng Anh: Loan for Women-Owned Business / Women Entrepreneurship Loan

Linh vuc: Tin dung doanh nghiep, Tai chinh bao trum

Cac chuong trinh vay von cho nu doanh nhan tai Viet Nam

Tieu chi xac dinh DN do phu nu lam chu

Theo tieu chuan quoc te (IFC/SBA):

1. So huu: Phu nu so huu >=51% von dieu le
2. Quan ly: Phu nu giu vi tri CEO/Giam doc dieu hanh
3. Kiem soat: Phu nu co quyen ra quyet dinh kinh doanh chinh

Tai Viet Nam, Luat Ho tro DNNVV 2017 chua co dinh nghia cu the, nhung NHCSXH va Hoi LHPN ap dung tieu chi linh hoat hon.

Loi the khi vay theo chuong trinh nu doanh nhan

• Lai suat uu dai hon 1-3% so voi lai suat thuong
• Giam hoac mien phi tham dinh
• Ho tro tu van kinh doanh va dao tao mien phi
• Ky han tra no linh hoat hon
• Uu tien xet duyet nhanh

Vay cho phu nu lam chu DN trong cac ngon ngu khac

Xem them: Tieng Anh | Tieng Nhat | Tieng Han | Tieng Trung | Tieng Tay Ban Nha

Ho tro nu doanh nhan qua BizLoan

BizLoan ket noi nu doanh nhan voi cac to chuc tin dung co chuong trinh uu dai danh rieng, giup tang co hoi tiep can von voi dieu kien tot nhat. Dang ky tu van mien phi.

Vay von cho phu nu lam chu doanh nghiep tieng Anh la gi?

Vay von cho phu nu lam chu doanh nghiep trong tieng Anh la Loan for Women-Owned Business hoac Women Entrepreneurship Loan (/ˈwɪmɪn ˌɒntrəprəˈnɜːrʃɪp loʊn/).

Dinh nghia

A Loan for Women-Owned Business is a specialized credit product designed for enterprises where women hold majority ownership (>=51%) or serve as primary decision-makers. In Vietnam, the Vietnam Bank for Social Policies (VBSP) offers rates from 3.3% for women entrepreneurs, while IFC and ADB channel Women SME funding through commercial banks at 7-10% per annum. The Vietnam Women's Union provides microfinance at 0.5-3% monthly for its members. Globally, the We-Fi (Women Entrepreneurs Finance Initiative) program under the World Bank has mobilized over USD 3.4 billion to support women-led businesses in developing economies.

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Vi du cau

"Vietnam offers multiple loan programs for women-owned businesses, from VBSP microfinance at 3.3% to IFC-backed SME credit lines at 7-10%, reflecting a growing commitment to gender-inclusive financial access."

→ Viet Nam co nhieu chuong trinh vay cho DN phu nu lam chu, tu tai chinh vi mo NHCSXH 3.3% den tin dung SME IFC 7-10%, the hien cam ket tang cuong tiep can tai chinh bao trum gioi.

Vay cho phu nu lam chu DN trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von cho phu nu lam chu doanh nghiep tieng Nhat la gi?

Vay von cho phu nu lam chu doanh nghiep trong tieng Nhat la 女性起業家向け融資 (Josei Kigyōka-muke Yūshi).

Dinh nghia

女性起業家向け融資 la chuong trinh cho vay danh cho nu doanh nhan. Tai Nhat Ban, 日本政策金融公庫 cung cap 女性、若者/シニア起業家支援資金 (Quy ho tro nu gioi, thanh nien, nguoi cao tuoi khoi nghiep) voi 金利 uu dai 1.0-2.0%/nam, han muc toi da 72 trieu yen. 自治体 (chinh quyen dia phuong) cung co 女性起業支援 (ho tro nu khoi nghiep) voi tro cap va vay uu dai. 女性活躍推進法 (Luat Thuc day Phu nu Tham gia) tao dong luc cho 金融機関 cung cap san pham danh rieng.

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「ベトナムでは女性起業家向け融資プログラムが充実しており、ベトナム社会政策銀行が年3.3%から、IFC支援の商業銀行プログラムが年7～10%で提供されています。日本のJFC女性起業家支援（年1.0～2.0%）と比べると金利は高いですが、プログラムの多様性は注目に値します。」

→ Viet Nam co nhieu chuong trinh vay cho nu doanh nhan, NHCSXH tu 3.3%/nam, chuong trinh IFC qua NHTM 7-10%/nam. So voi JFC Nhat Ban (1.0-2.0%/nam) lai suat cao hon nhung su da dang chuong trinh dang chu y.

Vay cho phu nu lam chu DN trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von cho phu nu lam chu doanh nghiep tieng Han la gi?

Vay von cho phu nu lam chu doanh nghiep trong tieng Han la 여성 기업인 대출 (Yeoseong Giŏpin Daechul).

Dinh nghia

여성 기업인 대출 la chuong trinh cho vay danh cho nu doanh nhan. Tai Han Quoc, 중소벤처기업부 cung cap 여성기업 특별자금 (von dac biet cho DN nu) voi lai suat 2.0-3.0%/nam qua 중소벤처기업진흥공단 (SBC). 여성기업종합지원센터 (Trung tam Ho tro Tong hop DN Nu) cung cap tu van va ket noi tai chinh. 여성경제인협회 (KWBIZ) ho tro tiep can 네트워크 대출 (vay mang luoi). Theo 여성기업지원에 관한 법률 (Luat Ho tro DN Nu), DN do phu nu so huu >=30% duoc huong uu dai trong mua sam cong va tin dung.

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"베트남에서는 여성 기업인 대출 프로그램이 다양하게 운영되고 있으며, 베트남 사회정책은행이 연 3.3%부터, IFC 지원 상업은행 프로그램이 연 710%로 제공됩니다. 한국의 여성기업 특별자금(연 2.03.0%)보다 금리는 높지만 접근성이 개선되고 있습니다."

→ Viet Nam co nhieu chuong trinh vay cho nu doanh nhan, NHCSXH tu 3.3%/nam, IFC qua NHTM 7-10%/nam. So voi von dac biet DN nu Han Quoc (2.0-3.0%/nam) lai suat cao hon nhung kha nang tiep can dang cai thien.

Vay cho phu nu lam chu DN trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von cho phu nu lam chu doanh nghiep tieng Trung la gi?

Vay von cho phu nu lam chu doanh nghiep trong tieng Trung la 女性创业贷款 (Nǚxìng Chuàngyè Dàikuǎn).

Dinh nghia

女性创业贷款 la chuong trinh cho vay danh cho nu doanh nhan. Tai Trung Quoc, 妇女创业担保贷款 (Vay bao lanh khoi nghiep phu nu) la chuong trinh chinh, voi han muc toi da 200万元 (~700 trieu VND) va 财政贴息 (tro cap lai suat tu ngan sach) giup lai suat thuc te chi 0-2%/nam. 全国妇联 (Hoi LHPN Trung Quoc) phoi hop voi 银行 de giam 审批门槛 (nguong xet duyet). 巾帼创业行动 (Chuong trinh Phu nu Khoi nghiep) cung cap 培训 (dao tao) va 资金对接 (ket noi von). So voi Viet Nam (3.3-10%/nam), Trung Quoc co tro cap manh hon cho 女性企业家.

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"越南为女性创业者提供多种贷款计划，越南社会政策银行提供年利率3.3%起的贷款，IFC支持的商业银行计划年利率为7%至10%。与中国妇女创业担保贷款（财政全额贴息，实际利率接近0%）相比，利率较高但计划种类丰富。"

→ Viet Nam co nhieu chuong trinh vay cho nu doanh nhan, NHCSXH tu 3.3%/nam, IFC 7-10%/nam. So voi vay bao lanh khoi nghiep phu nu Trung Quoc (ngan sach tro cap toan bo, thuc te gan 0%) lai suat cao hon nhung da dang.

Vay cho phu nu lam chu DN trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von cho phu nu lam chu doanh nghiep tieng Tay Ban Nha la gi?

Vay von cho phu nu lam chu doanh nghiep trong tieng Tay Ban Nha la Prestamo para empresas de mujeres (Préstamo para empréesas de muhéres).

Dinh nghia

Prestamo para empresas de mujeres la chuong trinh cho vay danh cho nu doanh nhan. Tai Tay Ban Nha, Lineas ICO Empresas y Emprendedores cung cap vay toi 12.5 trieu EUR cho PYME, voi uu dai bo sung cho empresarias (nu doanh nhan). Programas ENISA co linea de emprendedoras (dong vay nu doanh nhan) voi dieu kien linh hoat hon. Comunidades Autonomas (vung tu tri) nhu Cataluna, Madrid co subvenciones especificas (tro cap dac thu) cho mujeres emprendedoras. EU cung ho tro qua programas WEgate va EIC Accelerator voi uu tien cho equipos con diversidad de genero (doi ngu da dang gioi).

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"En Vietnam, los prestamos para empresas de mujeres incluyen programas del Banco de Politicas Sociales desde el 3,3% anual y lineas de credito respaldadas por la IFC al 7-10%. Comparado con los programas ENISA espanoles y las lineas ICO, Vietnam ofrece una gama diversa de opciones adaptadas a diferentes escalas empresariales."

→ Tai Viet Nam, vay cho DN phu nu gom chuong trinh NHCSXH tu 3.3%/nam va tin dung IFC 7-10%. So voi ENISA va ICO Tay Ban Nha, Viet Nam co nhieu lua chon da dang phu hop cac quy mo DN khac nhau.

Vay cho phu nu lam chu DN trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.