{"id":129,"date":"2021-02-17T19:52:21","date_gmt":"2021-02-18T00:52:21","guid":{"rendered":"https:\/\/tidy-millennium.flywheelsites.com\/2021-2-17-how-microlending-helps-small-business-owners-during-covid-19\/"},"modified":"2026-03-02T10:23:42","modified_gmt":"2026-03-02T15:23:42","slug":"2021-2-17-how-microlending-helps-small-business-owners-during-covid-19","status":"publish","type":"post","link":"https:\/\/startupjunkie.org\/ko\/2021-2-17-how-microlending-helps-small-business-owners-during-covid-19\/","title":{"rendered":"COVID-19 \ub3d9\uc548 \uc18c\uc561\ub300\ucd9c\uc774 \uc18c\uae30\uc5c5 \uc18c\uc720\uc8fc\ub97c \ub3d5\ub294 \ubc29\ubc95"},"content":{"rendered":"<div class=\"sqs-html-content\">\n<p class=\"\" style=\"white-space:pre-wrap;\">\uc0ac\uc5c5\uc744 \uc2dc\uc791\ud560 \ub54c \ub9ce\uc740 \uae30\uc5c5\uac00\uc640 \ucd08\uae30 \uc2a4\ud0c0\ud2b8\uc5c5\uc740 \uba3c\uc800 \uce5c\uad6c\uc640 \uac00\uc871\uc73c\ub85c\ubd80\ud130 \uc790\uae08\uc744 \uad6c\ud569\ub2c8\ub2e4. \ub610\ud55c \uae30\uc874 \uae30\uc5c5\uc758 \uacbd\uc6b0 \ub9ce\uc740 \uc911\uc18c\uae30\uc5c5\uc774 \ubb38\uc744 \ub2eb\ub294 \uae30\uac04\uc774 2~3\uac1c\uc6d4\ubc16\uc5d0 \ub0a8\uc9c0 \uc54a\uc544 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uc804 \uc138\uacc4 \uacbd\uc81c\uac00 \ud63c\ub780\uc5d0 \ube60\uc84c\uc2b5\ub2c8\ub2e4. &nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">\ud2b9\ud788 \ud751\uc778 \uc18c\uc720(41%) \ubc0f \ub77c\ud2f4\uacc4 \uc18c\uc720 \uae30\uc5c5(32%)\uc740 \ub3c4\uc2dc \ud3d0\uc1c4 \ubc0f \uc804\uad6d \uc785\uc6d0 \uae09\uc99d\uc73c\ub85c \uc778\ud574 2020\ub144 2\uc6d4\ubd80\ud130 4\uc6d4\uae4c\uc9c0 \ud310\ub9e4 \uc218\uc775\uc774 \uac00\uc7a5 \ud06c\uac8c \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4. \uc911\uc18c\uae30\uc5c5\uc740 \ubbf8\uad6d \uacbd\uc81c\uc5d0\uc11c \ub9ce\uc740 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc9c0\uc5ed\uc0ac\ud68c \ud5c8\ube0c, \uace0\uc6a9\uc8fc, \ud601\uc2e0 \uc13c\ud130\ub97c \ub9cc\ub4e4\uace0 6\ucc9c\ub9cc \uba85\uc758 \ubbf8\uad6d\uc778\uc744 \uace0\uc6a9\ud569\ub2c8\ub2e4. \uaddc\ubaa8\uac00 \ud070 \uc911\uc18c\uae30\uc5c5\uc740 \ucf54\ub85c\ub09819\uc758 \uc0ac\ud68c\uc801, \uacbd\uc81c\uc801 \uc601\ud5a5\uc5d0 \ud2b9\ud788 \ucde8\uc57d\ud569\ub2c8\ub2e4.  \ucd5c\uadfc McKinsey \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 \uc911\uc18c\uae30\uc5c5\uc758 3\ubd84\uc758 1\uc774 \ucf54\ub85c\ub09819 \uc704\uae30\uac00 \ub2e5\uce58\uae30 \uc804\ubd80\ud130 \uc190\uc775\ubd84\uae30\uc810\uc774\ub098 \uc801\uc790\ub97c \uae30\ub85d\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">\uc6b0\ub9ac\uac00 Northwest Arkansas Kiva Hub\uc758 \uc911\uc18c\uae30\uc5c5 \ucee4\ubba4\ub2c8\ud2f0\uc5d0 \uc81c\uacf5\ud55c \uc911\uc18c\uae30\uc5c5 \ud68c\ubcf5\uc744 \uc704\ud55c \uac00\uc7a5 \ud765\ubbf8\ub85c\uc6b4 \uc194\ub8e8\uc158 \uc911 \ud558\ub098\ub294 \uac1c\uc778\uc5d0\uc11c \uc9c0\uc5ed \uae30\uc5c5\uc5d0 \ucd5c\uc800 $25\ubd80\ud130 \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\ub294 \uc18c\uc561 \ub300\ucd9c \uc790\uae08\uc744 \ub298\ub9ac\ub294 \uac83\uc785\ub2c8\ub2e4. $1,000\uc5d0\uc11c $15,000\uae4c\uc9c0\uc758 \ub300\ucd9c\uc744 \ud1b5\ud574 Kiva\ub294 \uc804 \uc138\uacc4\uc801\uc73c\ub85c 96%\uc758 \uc0c1\ud658\uc728\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">\uc624\ub298\ub0a0 \ub300\ubd80\ubd84\uc758 \ubb38\uc81c\ub294 \ubd88\ud655\uc2e4\uc131\uc73c\ub85c \uc778\ud574 \ub300\uc720\ud589\uc73c\ub85c \uc778\ud574 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uace0\uac1d\uc774 \uc5b8\uc81c \ub3cc\uc544\uc62c\uc9c0\uc5d0 \ub300\ud55c \ub450\ub824\uc6c0\uc774 \uc788\uc2b5\ub2c8\uae4c? \uc0c1\uc810\uc774 \ub2e4\uc2dc \ubb38\uc744 \ub2eb\uc544\uc57c \ud560\uae4c\uc694, \uc544\ub2c8\uba74 \uacc4\uc18d \uc5f4\ub824 \uc788\uc5b4\uc57c \ud560\uae4c\uc694? \uae09\uc5ec\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \uc9c1\uc6d0 \uc218\ub294 \uba87 \uba85\uc774\uba70 \uacf5\uae09\ub9dd\uc740 \uc5ec\uc804\ud788 \uc0ac\uc6a9 \uac00\ub2a5\ud569\ub2c8\uae4c? \uc774\uac83\ub4e4\uc740 \ubaa8\ub450 \uc9c0\ub09c 1\ub144 \ub3d9\uc548 \uc0ac\uc5c5\uc8fc\ub4e4\uc774 \ud45c\ud604\ud55c \uc2e4\uc81c \uacfc\uc81c\uc774\uba70, 2008\ub144 \ub9c8\uc9c0\ub9c9 \uacbd\uae30 \uce68\uccb4\ub85c \uc911\uc18c\uae30\uc5c5\uc774 \uc644\uc804\ud788 \ud68c\ubcf5\ud558\ub294 \ub370 \ud3c9\uade0 6\ub144\uc774 \uac78\ub838\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uc0c1\uae30\uc2dc\ucf1c \uc90d\ub2c8\ub2e4. \uc911\uc18c\uae30\uc5c5\uc5d0 \ud65c\ub825\uc744 \ubd88\uc5b4\ub123\uace0 \ub354 \uae34 \ud0c4\ub825\uc131\uc744 \uad6c\ucd95\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc73c\ub85c \uc0dd\uac01\ub418\ub294 \uba87 \uac00\uc9c0 \uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">\uae30\uc5c5\uac00 \uc815\uc2e0 \uad6c\uc5ed\uacfc \uad50\uc721 \uc13c\ud130\ub97c \ub9cc\ub4e4\uc5b4 \uc911\uc18c\uae30\uc5c5\uc774 \ucc28\uc138\ub300 \uc2dc\ub300\uc5d0 \uc801\uc751\ud558\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">\uc911\uc18c\uae30\uc5c5\uc758 \uc2e0\uc6a9 \ubc0f \uacbd\uae30\ubd80\uc591 \ubcf4\uc870\uae08\uc5d0 \ub300\ud55c \uc811\uadfc\uc131 \ud5a5\uc0c1<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">\uc9c1\uc6d0\ub4e4\uc5d0\uac8c \uc9c0\uc5ed \uc911\uc18c\uae30\uc5c5 \uc9c0\uc6d0\uc744 \uc57d\uc18d\ud558\ub294 \uc800\ub834\ud55c \ub9ac\uc18c\uc2a4\uc5d0 \ub300\ud55c \uc561\uc138\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uacf5\uacf5-\ubbfc\uac04 \ud30c\ud2b8\ub108\uc2ed\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">\uc18c\uc218 \uc18c\uc720 \uae30\uc5c5\uc744 \uc704\ud55c \uc9c1\uc811 \ud22c\uc790 \uc790\uae08 \ubc0f 15% \uc11c\uc57d \uc774\ub2c8\uc154\ud2f0\ube0c<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">\uc18c\uc561 \ub300\ucd9c\uc740 \ucf00\ub0d0, \uce84\ubcf4\ub514\uc544, \ud398\ub8e8\uc640 \uac19\uc740 \uad6d\uac00\uc5d0\uc11c \ub2f4\ubcf4\ub098 \uacf5\uc2dd \uc740\ud589\uc774 \uc5c6\ub294 \uc18c\uaddc\ubaa8 \ub18d\ubd80\uc640 \ud310\ub9e4\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \uac00\uc7a5 \ub110\ub9ac \uc54c\ub824\uc838 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0&nbsp;<span style=\"text-decoration:underline\">Google\uc740 $7,500\ub9cc \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4 \uad6c\ud638 \uae30\uae08\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4.<\/span>&nbsp;\uc804 \uc138\uacc4\uc758 \uc911\uc18c\uae30\uc5c5. \ubbf8\uc8fc\uac1c\ubc1c\uc740\ud589(Inter-American Development Bank)\uacfc Google\uc740 \uc544\ud504\ub9ac\uce74, \uc911\ub3d9 \ubc0f \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uae30\uc5c5\uc744 \ub3d5\uae30 \uc704\ud574 \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \uc911\uc18c\uae30\uc5c5\uc744 \uc704\ud574 \ud560\ub2f9\ub41c $8\ubc31\ub9cc \ub2ec\ub7ec\uc758 \uae30\uae08\uacfc Kiva\uc640 \ud568\uaed8 $26\ubc31\ub9cc \ub2ec\ub7ec\uc758 \ub300\ucd9c \uae30\uae08\uc744 \uc124\uc815\ud588\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">\uc6b0\ub9ac\ub294 NWA Kiva Hub\uc5d0\uc11c \ud56d\uc0c1 \ubd81\uc11c \uc544\uce78\uc18c \uc9c0\uc5ed\uc758 \uc18c\uaddc\ubaa8 \uae30\uc5c5\uc774 Kiva \uc18c\uc561 \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 \uc790\uaca9\uc774 \uc788\ub294\uc9c0 \ud655\uc778\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\ub4dc\ub9bd\ub2c8\ub2e4. \ub530\ub77c\uc11c Kiva \uc18c\uc561 \ub300\ucd9c\uc758 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uac1c\uc778 \uc0ac\uc5c5\uc790\ub098 \uc911\uc18c\uae30\uc5c5 \uc18c\uc720\uc790\ub97c \uc54c\uace0 \uacc4\uc2dc\ub2e4\uba74 \uc800\ud76c \uc6f9\uc0ac\uc774\ud2b8\ub97c \uacf5\uc720\ud574\uc8fc\uc138\uc694.&nbsp;<a href=\"https:\/\/www.kiva-nwa.org\/\" target=\"_blank\" rel=\"noopener\">www.Kiva-NWA.org<\/a>&nbsp;.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p class=\"\">\uc0ac\uc5c5\uc744 \uc2dc\uc791\ud560 \ub54c \ub9ce\uc740 \uae30\uc5c5\uac00\uc640 \ucd08\uae30 \uc2a4\ud0c0\ud2b8\uc5c5\uc740 \uba3c\uc800 \uce5c\uad6c\uc640 \uac00\uc871\uc5d0\uac8c \uc790\uae08\uc744 \uc870\ub2ec\ud569\ub2c8\ub2e4. \ud32c\ub370\ubbf9\uc774 \uacb9\uccd0\uc11c \uc138\uacc4 \uacbd\uc81c\uac00 \ud63c\ub780\uc5d0 \ube60\uc9c0\uba74 \ub9ce\uc740 \uc911\uc18c\uae30\uc5c5\uc774 \ubb38\uc744 \uc601\uad6c\ud788 \ub2eb\uc744 \ub54c\uae4c\uc9c0 \ubd88\uacfc 2~3\uac1c\uc6d4\uc774 \ub0a8\uc558\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"author":3,"featured_media":1039,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[20],"tags":[],"class_list":["post-129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/posts\/129","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/comments?post=129"}],"version-history":[{"count":1,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/posts\/129\/revisions"}],"predecessor-version":[{"id":1108,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/posts\/129\/revisions\/1108"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/media\/1039"}],"wp:attachment":[{"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/media?parent=129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/categories?post=129"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/tags?post=129"}],"curies":[{"name":"\uc6cc\ub4dc\ud504\ub808\uc2a4","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}