E@EBQ 19

EMQSEZSEMEUSR
GHZ
Kdte 4-Zrepdrdthom9 Fomey, Foae` dma Femtors
[gdt hs Zersomd` Crdmahmk?
[gdt hs Zersomd` Crdmahmk?
Zersomd` Crdmahmk
Ht hs tge hfdke on ome‘s se`n hm tge puc`hb‘s fhma nrof
prevhous bgohbes fdae tgdt wh`` dnnebt tge nuture `eve` on
persomd` hmuembe, wghbg hs pdrt on se`n-dwdremess dma
se`n-fdstery.

Cenore rdhshmk numas dma ds pdrt on your dutgemthbhty,

emsure tgdt your persomd` crdmahmk fust ce breaht-wortgy
dma numahmk wortgy.
 Zersomd` Crdmahmk
 Hmtekrhty hssue
o Bo``ebthom aeposhtea to owm dbboumt hmsteda on bofpdmy dbboumt.
o Qrdmsnerrhmk
Qrdmsnerrhmk numas nrof bofpdmy to persomd` cdml dbboumt
o Bgdrkhmk persomd` expemses to tge bofpdmy
o Zdaahmk expemses
o Ketthmk persomd` boffhsshom nrof bofpdmy‘s
bofpdmy‘s aed`s
o Corrowhmk or ushmk `ots on fomey whtgout codra dpprovd`
o

Bredthmk cokus codra reso`uthoms

 Zersomd` Crdmahmk
 Z`dmmhmk hssue
o Mo d`hkmfemt om wgere to tdle tge cushmess to tge mext `eve`
o Mo d`hkmfemt om gow dma wgem to tdle borrebthve dbthom
o Mo mdmbhd` p`dm nor fdsshve expdmshom
 Zersomd` Crdmahmk
 Zrhorhty hssue
o @dbl on dbboumtdch`hty, dbthmk `hle tgey worl om`y nor tgefse`ves
dma mot bomshaerhmk otger pdrtmers
o Mot spemahmk emoukg thfe hm d pdrtmersghp cushmess wgh`e ushmk
bofpdmy resourbes to cuh`a owm hfdke puc`hby
o ^d`uhmk `oyd`ty over bofpetemby hm profothmk peop`e to ley
poshthoms
 Zersomd` Crdmahmk
 Zo`hthbd` hssue
o C`dfhmk otgers ds mom-supporthve to sdve ndbe wgh`e gdvhmk mo
reforse
o Ae`ushomd` se`n-hfdke
o Gdvhmk d semse on emtht`efemt cy gdmkhmk om to power dma poshthom
o Bgdmkhmk dkemad to dvoha ahsbusshmk red` hssues
Sdhshmk Numas
Sdhshmk Numas
▷ Ds d sfd`` cushmessfdm, you sgou`a lmow tgdt fomey
bdm ce rdhsea hm vdrhous wdys.

▷ Nhrst on d``, fomey bdm bofe nrof your owm poblet.

Qghs fdy ce hm tge norf on sdvhmks or probeeas nrof
sd`es on persomd` ce`omkhmks, `hle d bdr, d gouse, dma
iewe`ry. Qghs fomey bofhmk nrof tge owmer‘
owmer‘ss persomd`
resourbes hs bd``ea tge bdphtd` or owmer‘
owmer‘s
s bdphtd`.
Sdhshmk Numas
Rhfp`es [dys to Sdhse Bdphtd`
Numahmk nrof [gdt dre tgey?
Hffeahdte Metworl
Rdvhmks Ahsbrethomdry numas nrof umspemt fomey edrmea
prevhous`y cy tge emtrepremeur.
emtrepremeur.
Zdrtmersghp Hmb`uaes hmvestfemt nnrrof re`dthves, nnrrhemas dma
dbqudhmtdmbes.
@odms Fomey davdmbes, wghbg fdy ce sourbes nrof
hmahvhaud`s,
hmahvhaud`s, hmnorfd` bgdmme` or nhmdmbhd`
hmterfeahdrhes
hmterfeahdrhe s `hle cdmls.
Bustofer‘s
Bustofer‘s Davdmbes
Davdmbes Qerfs on sd`es
sd`es davdmtd
davdmtdkeous
keous to tge
tge se``er
se``er, subg ds
bdsg whtg oraer (B[O) dslhmk nor aowm pdyfemt
(AZ), or bo``ebthmk nrdmbghse nee upnromt.
Extermd` Rourbe on Numas
Extermd` Rourbes on Numas
Numas
Qgere dre whae rdmke on bgohbes nor corrowhmk fomey. Qgese hmb`uaes9

▷ Zdwmsgops ‒ Xou bdm ket quhbl bdsg cy pdwmhmk your iewe`ry dma
otger vd`udc`es.

▷ Breahts booperdthves ‒ Qgese dre popu`dr dma edsy sourbe on breahts

espebhd``y hm tge rurd` dreds. Usud``y, ht `emas dm dfoumt up to tgree
or ve thfes chkker tgdm tge fomey d fefcer gds aeposhtea hm tge
booperdthve. Hmterest bgdrkes dre ontem fhmhfd`.
Extermd` Rourbes on Numas
Numas
▷ Fomey `emaers ‒ Qgese dre peop`e wgo `ema quhbl whtgout bo``dterd`,
cut bgdrke exorchtdmt hmterest rdtes. Qgey dre otgerwhse lmowm ds
‐Nhve-shx‖ ‐Cufcdy-cufcdy‖ operdtors, cebduse tgey usud``y bgdrke
dcout ome peso hmterest per fomtg nor every ve pesos tgey `ema.

▷ @emahmk hmvestors ‒ Qgese dre cushmess emterprhses emkdkea Hm

fomey-`emahmk operdthoms.
`emaers dma cdmls, Bomshaerea
`emahmk hmvestors d bross
extema cetweem
sgort terf `odms fomey-
quhbl`y
to hmahvhaud`s dma cushmesses whtg or whtgout bo``dterd`. Hmterest
rdtes dre ghkger tgdm cdml rdtes, cut `ower tgdm tgose bgdrkea cy

fomey-`emaers- usud``y rdmkhmk nrof tgree to ve perbemt d fomtg

Extermd` Rourbes on Numas
Numas
▷ Fomey `emaers ‒ Qgese dre peop`e wgo `ema quhbl whtgout bo``dterd`,
cut bgdrke exorchtdmt hmterest rdtes. Qgey dre otgerwhse lmowm ds
‐Nhve-shx‖ ‐Cufcdy-cufcdy‖ operdtors, cebduse tgey usud``y bgdrke
dcout ome peso hmterest per fomtg nor every ve pesos tgey `ema.

▷ @emahmk hmvestors ‒ Qgese dre cushmess emterprhses emkdkea Hm

fomey-`emahmk operdthoms.
`emaers dma cdmls, Bomshaerea
`emahmk hmvestors d bross
extema cetweem
sgort terf `odms fomey-
quhbl`y
to hmahvhaud`s dma cushmesses whtg or whtgout bo``dterd`. Hmterest
rdtes dre ghkger tgdm cdml rdtes, cut `ower tgdm tgose bgdrkea cy

fomey-`emaers- usud``y rdmkhmk nrof tgree to ve perbemt d fomtg

Extermd` Rourbes on Numas
Numas

▷ Norfd` sourbes on breaht ‒ Qgese hmb`uae cdmls, mdmbhd`

hmsthtuthoms, ds we`` ds bertdhm

dma aeve`opfemt-orhemtea, kovermfemt orkdmhzdthoms.
mom-kovermfemt aeve`opfemt dkembhes
Qgey dre
bd``ea norfd` sourbes on breaht cebduse tgey gdve tge `ekd` dutgorhty
or fdmadte to `ema fomey to hmahvhaud`s dma cushmesses.
Extermd` Rourbes on Numas
Numas
Qgere dre vdrhous types on breaht dvdh`dc`e nrof norfd` `emahmk
hmsthtuthoms9

▷ Rgort-terf `odms-
`odms- Zdydc`e hm ome yedr or `ess.

▷ Hmterfeahdte `odms-
`odms- Hmterfeahdte `odms or terf `odms provhae bdphtd`
repdydc`e hm ome to tgree yedrs.

▷ @omk-terf `odms-
`odms- Qgese dre `odms extemaea to emterprhses dssurea

to exhst over tge `omk-terf perhoa on tge `odms-up to tem yedrs.

[gy Zdrtmers dre Meeaea?
 [gy Zdrtmers dre meeaea
 Hmvemtory on Cemets on Gdvhmk Kredt Zdrtmers
o Zrovhae hffeahdte neeacdbl om stremktgs dma wedlmesses on p`dms
o Ge`p khve operdthomd` dma strdtekhb ahrebthoms
o Zrovhae daahthomd` numahmk
o Rpreda out mdmbhd` rhsl
o Mdrrow your lmow`eake kdp
o Onner hffeahdte breahch`hty to your bofpdmy
o
Opem tgehr metworl on bomtdbts to you
y ou to `ower bost on revemues
 [gy Zdrtmers dre meeaea
 Hmvemtory on Cemets on Gdvhmk Kredt Zdrtmers
o Femtorsghp om d pronesshomd` `eve`
o Femtorsghp om d persomd` `eve`
Emaowmfemt Eebt dma @oss

Dvershom
▷ Hm oraer nor hmvestors to kdhm, d bgd``emke on emtrepremeurs hs to dvoha

tge ‐emaowmfemt
tghmks tgey gdve, ennebt‖,
fore tgdmd supp`y-shae
wgdt tgeytghmlhmk on overvd`uhmk
dre dbtud``y tge
wortg hm tge
fdrlet.

▷ @oss on dvershom wgere peop`e typhbd``y p`dbe fore hfportdmbe om

potemthd` `osses tgdm tgey p`dbe om potemthd` kdhms.
Norfhmk your Qedf
Norfhmk your Qedf

▷ Emtrepremeurs bdmmot bredte d cushmess cy tgefse`ves. Qgey meea to

worl
to ce whtg otger
p`dmmea peop`e dma bredte dm ebosystef. Qgree hssues meea
we``.
 Bgooshmk Zdrtmers
 Bgooshmk Noumahmk Qedf Fefcers
 Bgooshmk Femtors
Bgooshmk Zdrtmers
Bgooshmk Zdrtmers
Advdo-cdsea cushmessfdm Le`vhm Kdhsdmo dma Cdsletcd`` p`dyer
Bgrhs Qhu were pdrtmers wgh`e tdlhmk tgehr cushmess hmtermsghp hm Dtemeo
wgere tgey reso`a Lrhspy Lrefe aomuts hm tge Dtemeo‘s IREB Fd``. Rhmbe
tgey worlea we`` toketger, tgey aebhaea to pdrtmer dkdhm dnter bo``eke
dma stdrtea Gdppy @efom.
Le`vhm dma Bgrhs‘s dpprodbg to pdrtmersghp wds very `okhbd`. Qgey
worlea we`` hm sbgoo` proiebts, gembe, nrhemas fdy ema up ds emefhes nor
ome shfp`e redsom ‒ ro`e bomnushom! Dre tgey nrhemas rst or dre tgey
pdrtmers rst wgem ome on tgef experhembes brhshs dma tge otger gds to
bdrry tge wehkgt or `oda on tge cushmess?
Bgooshmk Zdrtmers
Sespebt dma trust dre hmahspemsdc`e ds pdrtmers bdmmot ce pdrdmoha
worlhmk whtg edbg otger. [htgout trust dma respebt, pdrtmers wh`` mot td`l
to edbg otger or wh`` iust drkue, dma whtgout red` boffumhbdthom,
bomhbts wh`` mot ce reso`vea.

Ht hs hfportdmt nor pdrtmers to fdhmtdhm bo``ekhd`hty whtg dma respebt nor

ome dmotger ds efp`oyees wh`` nee` dmy bomhbt drhshmk nrof se`n-hmterests
hmsteda on borpordte cest hmterests.
Bgooshmk Noumahmk Qedf

Fefcers
Bgooshmk Noumahmk Qedf

Fefcers
Haed``y, emtrepremeurs sgou`a d`so gdve pdrtmers wgo wh`` ao brhthbd`
tdsls requhrea dt edbg kdte-

 Ome ds tge haed persom hm tge prepdrdthom stdke

 Ome ds tge boffumhbdtor persom hm tge Fdrlethmk stdke
 Ome ds tge operdthoms persom hm tge exebuthom stdke whtg d
nourtg hm bgdrke on mdmbe
 [htg d``, reporthmk to ome on tge ds BEO.

Qghs emsures tghmks ket aome whtg dbboumtdch`hty haemthea.

Bgooshmk Femtors
Bgooshmk Noumahmk Qedf

Fefcers
D femtor hs d trustea dma experhembea davhser wgo hs
hmterestea hm tge subbess on tge femtee.
Femtors dre mot tge sdfe ds peop`e wgo iust dmswer your
questhoms< tgey sgou`a haed``y hmsphre tge femtee whtg tgehr
owm breaemthd`s dma subbessnu` experhembe hm tge cushmess.
7 Tud`hthes Expebtea nrof Kredt
Femtors
▸ Hmterestea hm tge subbess on tge femtee
▸ Hmvest thfe to `hstem dma umaerstdma dma ahnneremt shtudthoms on tge

femtee
▸ Zrovhae davhbe, cotg cushmess dma persomd`
▸ Ge`p femtees cy tdpphmk hmto tge femtors‘ metworl
▸ Opem aoors on opportumhthes
▸ Hmsphre tge femtee
▸ Rhmbere`y aeshre tgdt tge emtrepremeur subbeeas dma ce evem cetter
tgdm tgef
EMA