{"id":187,"date":"2021-12-03T17:57:24","date_gmt":"2021-12-03T22:57:24","guid":{"rendered":"https:\/\/tidy-millennium.flywheelsites.com\/2021-12-3-community-lending-makes-big-impact\/"},"modified":"2026-03-02T10:23:26","modified_gmt":"2026-03-02T15:23:26","slug":"2021-12-3-community-lending-makes-big-impact","status":"publish","type":"post","link":"https:\/\/startupjunkie.org\/ko\/2021-12-3-community-lending-makes-big-impact\/","title":{"rendered":"Kiva \uc9c0\uc5ed\uc0ac\ud68c \ub300\ucd9c\uc740 \uc911\uc18c\uae30\uc5c5\uc758 \ubc88\uc601\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \ub3d5\uc2b5\ub2c8\ub2e4."},"content":{"rendered":"
\n

2020\ub144 \ubd04, COVID-19 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uc804\uad6d\uc758 \ub9ce\uc740 \uc911\uc18c\uae30\uc5c5\uc774 \uc5b4\ub824\uc6b4 \uacb0\uc815\uc5d0 \uc9c1\uba74\ud558\uac8c \ub418\uc5c8\ub294\ub370, \uc5ec\uae30\uc5d0\ub294 \ubb38\uc744 \ub2eb\uc744\uc9c0 \uc544\ub2c8\uba74 21\uc138\uae30 \ucd5c\uc545\uc758 \uacbd\uc81c \ud3ed\ud48d \uc911 \ud558\ub098\uc5d0\uc11c \uc0b4\uc544\ub0a8\uae30 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud560\uc9c0\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub9ce\uc740 \uc911\uc18c\uae30\uc5c5\uc774 \uc0dd\uc874\ud558\uace0 \ubb38\uc744 \uc5f4\uae30 \uc704\ud574 \ucc3d\uc758\uc801\uc774\uc5b4\uc57c \ud588\uc9c0\ub9cc \uc774\ub7ec\ud55c \ud601\uc2e0\uc801\uc778 \ubcc0\ud654\ub97c \uad6c\ud604\ud558\uae30 \uc704\ud55c \uc790\uae08\uc774 \ud544\uc694\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

Northwest Arkansas(NWA) \uae30\uc5c5\uac00\uc774\uc790 Rogers \ub3c4\uc2ec\uc5d0 \uc788\ub294 Honeycomb Kitchen Shop\uc758 \uacf5\ub3d9 \uc18c\uc720\uc790\uc778 Melissa\ub294 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \ub9e4\uc7a5\uc758 \ud45c\uc900 \ub300\uba74 \uc694\ub9ac \uc218\uc5c5\uc744 \uc911\ub2e8\ud588\uc9c0\ub9cc \uc0dd\uc874\uc744 \uc704\ud574 \ub2e4\ub978 \ubc29\uc2dd\uc73c\ub85c \ubb38\uc744 \uc5f4\uace0 \uc2f6\uc5b4\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub140\uc640 \uadf8\ub140\uc758 \uc0ac\uc5c5 \ud30c\ud2b8\ub108\uc778 Dana\ub294 \ud604\uc7ac \uace0\uac1d\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc774 \uc9c0\uc5ed\uc5d0\uc11c \uc628\ub77c\uc778\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \uace0\uac1d\uc744 \ucc3e\uae30 \uc704\ud574 \uc218\uc5c5 \uc77c\uc815\uc5d0 \uac00\uc0c1 \uc694\ub9ac \uc218\uc5c5\uc744 \uc628\ub77c\uc778\uc73c\ub85c \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \uc0ac\uc5c5 \ubaa8\ub378\uc744 \uc804\ud658\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \uc6f9\uc0ac\uc774\ud2b8\ub97c \ube60\ub974\uac8c \uac1c\ud3b8\ud558\uace0 \uc9c0\uc5ed \ud53d\uc5c5 \uc11c\ube44\uc2a4\ub97c \ucd94\uac00\ud558\uc5ec \ub514\uc9c0\ud138 \ubd80\ubb38\uc5d0\uc11c \uc18c\ub9e4 \ud310\ub9e4\ub97c \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. Melissa\ub294 \ub9e4\uc7a5\uc758 \uad50\uc721 \uc8fc\ubc29\uc744 \ud655\uc7a5\ud558\uae30 \uc704\ud574 \uc9c0\uc5ed \uc0ac\ud68c\uc5d0\uc11c \uc790\uae08\uc744 \uc9c0\uc6d0\ud558\ub294 \ubb34\uc774\uc790 Kiva \uc18c\uc561 \ub300\ucd9c\uc744 \ubaa8\uc0c9\ud588\uc2b5\ub2c8\ub2e4. \uc628\ub77c\uc778 \uc218\uc5c5\uc774 \ud32c\ub370\ubbf9 \ub3d9\uc548 \uace0\uac1d \uae30\ubc18\uc744 \ud06c\uac8c \ub298\ub838\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4(\ub9ce\uc740 \uc694\uccad\ub41c \uc5b4\ub9b0\uc774 \uc218\uc5c5 \ud3ec\ud568). Melissa\uc640 Dana\ub294 \ub300\uba74 \uc218\uc5c5\uc744 \ub2e4\uc2dc \uc2dc\uc791\ud558\uba74 \ucd94\uac00 \uacf5\uac04\uc774 \ud544\uc694\ud558\ub2e4\ub294 \uac83\uc744 \uc54c\uc558\uc2b5\ub2c8\ub2e4. \ud32c\ub370\ubbf9 \ub3d9\uc548 \uc0ac\uc5c5 \ubaa8\ub378\uc744 \ucc3d\uc758\uc801\uc73c\ub85c \ubcc0\uacbd\ud55c \ub355\ubd84\uc5d0 Honeycomb Kitchen Shop\uc740 2020\ub144\uc5d0 \uae30\ub85d\uc801\uc778 \ud640\ub9ac\ub370\uc774 \uc2dc\uc98c\uc744 \uae30\ub85d\ud588\uace0 2021\ub144\uc5d0\ub3c4 \uacc4\uc18d \uc131\uc7a5\ud558\uace0 \ud655\uc7a5\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

Kiva NWA \ud5c8\ube0c\ub294 2020\ub144\uacfc 2021\ub144\uc5d0 \uc11c\ube44\uc2a4\ub97c \ud655\ub300\ud588\uc2b5\ub2c8\ub2e4. \uc9c0\uae08\uae4c\uc9c0 \uc544\uce78\uc18c \ubd81\uc11c\ubd80\uc5d0 \uc788\ub294 56\uac1c\uc758 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4 \uc18c\uc720\uc790\uac00 Kiva \ucc28\uc6a9\uc790\uac00 \ub418\uc5c8\uc73c\uba70, NWA \ucee4\ubba4\ub2c8\ud2f0\uc640 \ubbf8\uad6d \uc804\uccb4 Kiva \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c $3,000\uc5d0\uc11c $15,000\uc5d0 \uc774\ub974\ub294 \uc18c\uc561 \ub300\ucd9c\ub85c \uc804\uc561 \uc790\uae08\uc744 \uc870\ub2ec\ud588\uc2b5\ub2c8\ub2e4. \ucee4\ubba4\ub2c8\ud2f0\uac00 \ud798\uc744 \ud569\uccd0 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4\uac00 \ubb38\uc744 \uc5f4\uac70\ub098 \uc218\uc775\uc744 \ub298\ub9ac\uace0 \ud655\uc7a5\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc6b8 \ub54c \uc2b9\ub9ac\uc758 \uace0\ub9ac\uac00 \ud615\uc131\ub429\ub2c8\ub2e4. \uc18c\uc720\uc790\uc5d0\uac8c \ub300\ucd9c\ud558\ub294 \uace0\uac1d\uc740 \ub2e4\uc74c\uc744 \ud1b5\ud574 \ud0a4\ubc14.org<\/strong><\/a> \uc9c0\uc5ed \uc0ac\ud68c \uc0ac\uc5c5\uccb4\uac00 \uc0ac\uc5c5\uc744 \uacc4\uc18d \uc6b4\uc601\ud558\uac70\ub098 \uc131\uc7a5\ud558\ub3c4\ub85d \ub3c4\uc6b8 \ub54c \ud50c\ub7ab\ud3fc \uad6c\uc131\uc6d0\uc740 \uc790\uc2e0\uc774 \ucc38\uc5ec\ud55c\ub2e4\uace0 \ub290\ub07c\uace0, \uc0ac\uc5c5\uc8fc\ub294 \uace0\uac1d\uc774 \uc9c0\uc5ed \uc0ac\ud68c \uc0ac\uc5c5\uccb4\uc5d0 \uac10\uc0ac\ud55c\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uc54c\uace0 \uac10\uc0ac\ud568\uc744 \ub290\ub080\ub2e4.  <\/p>\n

Kiva Northwest Arkansas Hub\ub294 2019\ub144 Walton Family Foundation\uc758 \uc9c0\uc6d0\uc73c\ub85c \ubb38\uc744 \uc5f4\uc5c8\uc73c\uba70, \uc7a5\uc778 \ube75\uc9d1\ubd80\ud130 \ubbf8\uc6a9\uc2e4, \uc790\ub3d9\ucc28 \ub514\ud14c\uc77c\ub9c1 \uc11c\ube44\uc2a4, \uc9c0\uc5ed \uc6b4\uc804 \ud559\uc6d0\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ub2e4\uc591\ud55c \uc720\ud615\uc758 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4\uac00 Kiva \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc654\uc2b5\ub2c8\ub2e4. Kiva \uc774\ub2c8\uc154\ud2f0\ube0c\ub97c \ud1b5\ud574 \uc804\uc561 \uc790\uae08\uc744 \uc9c0\uc6d0\ubc1b\uc740 \uad11\ubc94\uc704\ud55c \uc0ac\uc5c5\uc8fc\uc5d0\ub294 \uc5ec\uc131, LatinX, Hispanic, LGBTQIA+, Asian, \uc2e0\uccb4 \uc7a5\uc560\uc778 \ubc0f \ud751\uc778 \uc18c\uc720 \uae30\uc5c5\uac00 \ub4f1 \ub2e4\uc591\ud55c \uadf8\ub8f9\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. Kiva\uc758 \uc0ac\uba85\uc740 \uc5ed\uc0ac\uc801\uc73c\ub85c \ubd88\ub9ac\ud55c \uc785\uc7a5\uc5d0 \ucc98\ud55c \ubbf8\uad6d \uae30\uc5c5\uac00\uc5d0\uac8c \uc808\uc2e4\ud788 \ud544\uc694\ud55c \uc0ac\uc5c5 \ub300\ucd9c \uae30\uae08\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4\uc758 \uc601\uc5c5\uc744 \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 \ud32c\ub370\ubbf9 \ub3d9\uc548 \uc2dc\uc791\ub41c \ub9ce\uc740 \ubcf4\uc870\uae08 \ud504\ub85c\uadf8\ub7a8, PPP \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 \ubc0f \uae30\uc5c5 \uc774\ub2c8\uc154\ud2f0\ube0c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 NWA \uc9c0\uc5ed\uc758 \ubd88\ub9ac\ud55c \uc785\uc7a5\uc5d0 \ucc98\ud55c \uae30\uc5c5\uac00\ub97c \uc704\ud55c \uc790\ubcf8 \uc790\uae08 \uc9c0\uc6d0\uc744 \uc704\ud55c \ud798\uaca8\uc6b4 \uc2f8\uc6c0\uc774 \uc5ec\uc804\ud788 \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4. 2021\ub144 1\uc6d4 Lake Research Partners\uac00 Small Business Majority \uc639\ud638 \ub2e8\uccb4\ub97c \uc704\ud574 \ubc1c\ud45c\ud55c \uc5ec\ub860 \uc870\uc0ac \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, 500\uba85\uc758 \uc911\uc18c\uae30\uc5c5 \uc18c\uc720\uc8fc\ub97c \ub300\uc0c1\uc73c\ub85c \uc870\uc0ac\ud55c \uacb0\uacfc, \ud751\uc778 \ubc0f \ub77c\ud2f4\uacc4 \uae30\uc5c5\uac00\uc758 18%\uac00 \uc5ec\uc804\ud788 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uc0ac\uc5c5\uc744 \uc601\uad6c\ud788 \ud3d0\uc1c4\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \ub2f5\ud55c \ubc18\uba74, \ubc31\uc778 \uae30\uc5c5\uc8fc\uc758 \uacbd\uc6b0 14%\uc5d0 \ubd88\uacfc\ud588\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc704\uae30 \ub3d9\uc548 \ud06c\uac8c \ud655\ub300\ub41c Kiva US \uc18c\uc561 \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc740 \ubd88\ud655\uc2e4\ud55c \uc2dc\uae30\uc5d0\ub3c4 \ubd88\uc6b0\ud55c \uae30\uc5c5\uac00\uc5d0\uac8c \uacc4\uc18d \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uac83\uc785\ub2c8\ub2e4. \ub610\ud55c, \uc2b9\uc778\ub41c NWA Kiva \ucc28\uc6a9\uc778\uc740 Walton Family Foundation\uc5d0\uc11c \ub9e4\uce6d \ub300\ucd9c \uae30\uae08\uc744 \uacc4\uc18d \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uc5ed \uc0ac\ud68c\uc5d0\uc11c \ubc1b\uc740 \ub300\ucd9c\uc740 \ub354 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \ub354 \ube60\ub974\uac8c \uc790\uae08\uc744 \uc870\ub2ec\ud560 \uc218 \uc788\uac8c \ud574\uc90d\ub2c8\ub2e4. <\/p>\n

\uc774\ub7ec\ud55c 0% \uc774\uc790, \uc218\uc218\ub8cc \uc5c6\uc74c, \ub2f4\ubcf4 \uc5c6\uc74c \ub2f4\ubcf4 \ub300\ucd9c\uc758 \ucee4\ubba4\ub2c8\ud2f0 \ub300\ucd9c \uae30\uad00\uc778 Kiva NWA \ud5c8\ube0c\ub97c \ud1b5\ud574 Northwest Arkansas \uae30\uc5c5\uac00\ub97c \uc9c0\uc6d0\ud558\ub294 \uac83\uc740 NWA \uae30\uc5c5\uac00 \ucee4\ubba4\ub2c8\ud2f0\uc5d0 \ub300\ud55c \uc9c0\uc6d0\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc5b4\ub824\uc6b4 \uc2dc\uae30\uc5d0 \ucee4\ubba4\ub2c8\ud2f0\uac00 \ud568\uaed8 \ubb49\uce58\ub294 \ubaa8\uc2b5\uc744 \ubcf4\ub294 \uac83\uc740 \ud56d\uc0c1 \uc88b\uc740 \uc77c\uc774\uba70, Kiva \ub300\ucd9c\uc740 \uac01\uac01 $25\ub9cc\ud07c \uc801\uc740 \ube44\uc6a9\uc73c\ub85c \uc774\ub97c \uc218\ud589\ud560 \uc218 \uc788\ub294 \uac00\uc7a5 \uc88b\uc740 \ubc29\ubc95 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ubc29\ubb38 www.kiva-nwa.org<\/a> \uc0ac\uc5c5\uc790 \ub300\ucd9c \uc2e0\uccad \ubc0f Kiva \ub300\ucd9c \uae30\uad00\uc774 \ub418\ub294 \ubc29\ubc95\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \ub0b4\uc6a9\uc744 \uc54c\uc544\ubcf4\uc138\uc694!<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

2020\ub144 \ubd04, \uc804\uad6d\uc758 \uc911\uc18c\uae30\uc5c5\ub4e4\uc740 21\uc138\uae30 \ucd5c\uc545\uc758 \uacbd\uc81c \ud3ed\ud48d \uc911 \ud558\ub098\ub97c \uacac\ub38c\ub0b4\uae30 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud558\uac70\ub098 \ubb38\uc744 \ub2eb\uc744\uc9c0 \uc5b4\ub824\uc6b4 \uacb0\uc815\uc5d0 \uc9c1\uba74\ud588\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \ub3c4\uc2dc\uc5d0\uc11c\ub294 \uc2dd\ub7c9 \uc904\uc774 \uc218 \ub9c8\uc77c\uc5d0 \uac78\uccd0 \ub298\uc5b4\uc130\uace0, \ub300\ud615 \uacf5\uc7a5\uc740 \uc804 \uc138\uacc4\ub97c \ucda9\uaca9\uc5d0 \ube60\ub728\ub9b0 \uc758\ub8cc \uc704\uae30\ub85c \uc778\ud574 \ubb34\ub98e\uc744 \uafc7\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"author":3,"featured_media":188,"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-187","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\/187","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=187"}],"version-history":[{"count":1,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/posts\/187\/revisions"}],"predecessor-version":[{"id":1078,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/posts\/187\/revisions\/1078"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/media\/188"}],"wp:attachment":[{"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/media?parent=187"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/categories?post=187"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/startupjunkie.org\/ko\/wp-json\/wp\/v2\/tags?post=187"}],"curies":[{"name":"\uc6cc\ub4dc\ud504\ub808\uc2a4","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}