A Small Loan Holder

Microfinance is one of the ways of reemployment assistance provided by the state for laid-off workers. Laid-off workers get a loan that does not have much money, and use this money to make start-up funds and re employment.

Because of limited government funds, there are not many lucky people who can get the loan.

Here, the reporter interviewed 6 laid-off workers who received small loans, and recorded their experiences in entrepreneurship.

Because in the long run in the "big pot" unit, they suddenly threw themselves into the society and faced the self rescue business again. The biggest test they face is that business experience is almost zero, the ability of management and business operation is insufficient, and the market lacks sufficient judgement.

And so on, which makes them face huge challenges even if they get small loans.

Therefore, in addition to a small amount of money, their remaining job is only courage and perseverance.

6 people who are re employed by the state limited loan are interviewed and some of them are insisting on finding a way to rely on their lives. Some of them are unable to bear the complicated procedures and the pressure to repay loans. Some of them are struggling desperately to find directions in their unfamiliar business seas.

The impact of social change on everyone is different and the pressure is different. But from these 6 ordinary employees who bravely save themselves and work hard to bear the pressure of life, we see the most valuable part of human nature.

They believe that their courage, endurance and persistence will enable them to overcome difficulties and overcome difficulties.

Li Shengbao: Although the loan is hard to deal with, the business is very strong. In a residential building on the outside of Jianguo gate in Beijing, a 9 square meter barber shop operates 20 hairdressing businesses, but there are no customers.

There are fewer people coming to barber today.

Li Shengbao, a 46 year old shopkeeper, seemed to be afraid to tell jokes about his poor management.

Li Shengbao, who was laid off from the Sanlitun catering company in 1993, made a living by working as a temporary worker.

"In the first half of last year, mortgage loans were eligible for mortgage loans."

When he talked about loans, Li Shengbao turned his head and moved two times out of his room. 2 feet of tables were stacked in front of me.

"This is all I filled in," he said. "I have worked for 5 months. In the middle, I hesitated several times, but I didn't want to borrow it. But my wife said," no loan, no private loan. "

The 20 thousand yuan loan is hard to die.

If there is a way, there will be no loan.

In the first 5 months, Li Shengbao first published the instructions on the policy of small loans for laid-off workers in Beijing, according to the requirements of the social security institute. Then he went to the social security office every week. Every time he went to the social security office, he gave a watch, and returned to fill it out all night. He was on the second day in front of the social security office.

Every time the social security office says, go back to the phone.

"As long as the phone rang, my heart lit up and I thought there was a letter." Li Shengbao's wife said, "there is not a phone call in 5 months to inform the loan."

"I was forced to speak in a dumb voice. I rushed to the social security center and shouted," Wang Qishan, the Party committee, told you to go! "

Perhaps Li Shengbao's voice was in charge. After several days, that is, this year's big year, thirty p.m. 5, the bank informed the payment.

In real life, more and more frustration and annoyance come from various aspects.

Optimistic and firm entrepreneurial attitude is the foundation of success.

Li Shengbao has a belief that it is hard to get the loan.

"Thanks to the persistence, we have a good business today."

Li Shengbao said this voice was not loud, but every word seemed weighty, because insisting on getting the loan was a turning point in his life.

In February 6th this year, the barber shop opened at the beginning of the new year.

Li Shengbao, holding the child's field character book, showed me the account from February 6th to yesterday: 5 plus 3 equals 8.

The first day opened, a man cut his hair and a man made a hair, earning 8 yuan.

1 months, earned 2244 yuan.

In 4 months, the loan of 10 thousand yuan came back.

"Every day, you get rid of the cost and make a profit of 200 yuan, making 75%, 25% of the cost."

Li Shengbao did not hide anything from him. He told the whole story of the operation because he could not conceal his joy.

"This loan is too important for me, only 20 thousand yuan has today."

He shouted, smiling, tears streaming down his dark face.

Don't look at the 9 square meter shop, Li Shengbao often works all night.

A few days ago, 3 people came from Inner Mongolia for hairdressing. One was a perm, the other two were dyed hair. They kept doing it at 9 a.m. from 4 a.m., and they walked away satisfactorily.

"This is often the case. Sometimes when a lesbian goes home too late after a haircut, I will let Sheng Po take the initiative to send them back."

Li Shengbao's lover urged Kim Chi to stand by and keep interrupting.

I picked up the window of the outer room and looked inside. The 10 square meter cottage was their bedroom. The light bed occupied half of the room, and there was no window for ventilation.

Then I looked around the barber shop, and a small electric fan struggled his head.

There is an air-conditioner on the wall, but it is closed.

"Visitors can turn on air-conditioning, in order to save costs."

Li Shengbao joked, "if you are a barber today, you can enjoy the treatment of air conditioning."

The smile is always hanging on Li Shengbao's face.

He had reason to be so happy because he supported his own blue sky with his own hands.

Zhang Yongfang: for the repayment of the loan, "according to the regulations of the state, we will have to repay a loan of 10 thousand yuan in June this year, but I am not at all."

In July 20th, Zhang Yongfang, 42 years old, pulled a chair in front of me in a 15 square metre Xiaoping room in Dashiqiao Hutong, Dongcheng District, Beijing, and whispered with a murmur of sadness.

Zhang Yongfang was laid off in 2003. In June of last year, he successfully obtained 20 thousand yuan of small loans from Xicheng District social security, and started a domestic household company, which operated the household service industry.

Business has been light for a year.

She said: "originally wanted to carry hard, but really can not afford to stop, and had to shut down."

The 15 square meter Xiaoping room retired on the second day when I interviewed her, and the red paper banners on the wall on the doorway, "honest service, diligence and riches" did not fade. "This room has a rent of 7300 yuan a year. Last year 10 rent, that is, a refund of rent is not enough to add up to 10 thousand yuan."

It's hard for me to do housework. I thought it would be difficult, but I didn't think it would be so difficult.

The haggard face of Zhang Yongfang's eyes turned red.

Zhang Yongfang's housekeeping company was established in July last year. She first went into the westbound women's Federation and asked: can I introduce some foreign housewives to Beijing?

West City Women's Federation replied to her: you must go elsewhere.

Besides, we have contracted this business to the individual in the name of the women's Federation.

The homemaking waiters who come to Beijing in Beijing are recruited by the system of women's federations at all levels in the country. There is no credibility for the self-employed operators, and the local government will not give them to you.

It is said that this is the rule of the home service market.

Zhang Yongfang went into the Beijing women's Federation and said that if you join your Home Economics Association as a member, you can get some housekeepers.

The city women's Federation said to her: "we have hundreds of members, you are an individual, you can not divide into several, not only the membership procedure is troublesome, but also two times a year, one time to pay 300 yuan, other expenses also get two thousand or three thousand.

"This is a very small number. How many waiters can earn this cost?"

Zhang Yongfang thought nothing.

Let's advertise.

Zhang Yongfang grind his teeth to find an acquaintance in the Beijing evening news. A small advertisement was offered at a preferential price of 1300 yuan.

They had been boarding 3 times in succession, and Zhang Yongfang had to do it once.

After waiting for 3 weeks, the advertisement came to several attendants.

Zhang Yongfang said a good word for them to stay for one or two days.

We can say that the local government that organized us has said that if we go to the individual home service company, we will not be responsible for what has happened.

Last October, Zhang Yongfang's company finally came to 5 waiters, waiting for customers.

One day, a woman in Changping called in the morning to pick up the waiter at 5 p.m., which made her excited for a day. She fried two dishes for the waiter, bought the pancake for them to eat, and kept teaching them how to face the customer's dazzling 5 o'clock for a while. The lady said on the phone that she would come tomorrow.

On the second day, the lady said that she would come to the election tomorrow, and keep her several attendants.

So Zhang Yongfang waited until the fourth day with excitement. The phone rang.

"To introduce a waiter to collect 50 yuan fee is nothing to earn."

Zhang Yongfang stood up, disappointed, pointing to the price list posted on the wall.

"A waiter can't tell you what he wants to do, but he can't do anything else."

He thought.

I heard that there was a doctor in Xiehe Hospital who needed male attendants to take care of her father. I took the initiative to find 2 young men to take the initiative to introduce this customer.

Zhang Yongfang sent one of the attendants to the customer's home. 3 days later, the customer called the waiter to complain: watching TV without doing anything.

Zhang Yongfang immediately went to the client's home to find out the situation and ask for advice.

The customer offered to dismiss on the spot and refused to pay wages.

Zhang Yongfang changed the customer to a waitress. In one week, she took the initiative to take two trips to guide the waiter's work.

But the waiter was dismissed and refused to pay wages.

From drum tower to Jinsong customer house, it will take two bus trips and two hours' journey. For this customer, Zhang Yongfang went to 4 times. Finally, she not only returned the intermediary fee to others, but also had to continue to manage meals.

"If I go on like this, I will not lose money, I will lose money."

A few days ago, Zhang Yongfang spent 20 thousand yuan on the remaining 8000 yuan to find friends, wanted to cooperate with her, but her friends also had difficulties.

"Friends let me share her rent. How can I spend all this money and pay 10 thousand in the two period?"

"At that time, office supplies, fax machines and computers were sold off, but they were not worth anything."

"Hang on, maybe we can pull it out."

Zhang Yongfang held up the drink I gave him and drank a big drink. He said hopefully, "I went to a restaurant company to work. I don't have much money, but I earn a little bit. I'll get 10 thousand first loans."

When we borrow money, the State takes care of us, and we can't do anything about it. "

Zhang Rong: unable to withstand the eventual abandonment, Zhang Rong, who lives in Fengtai District, Beijing, wants to apply for a small loan to replace the equipment of the restaurant, but after 3 months of running, most of the procedures have been completed, she finally chose to give up.

In July 20th, Zhang Rong told me the reasons for his failure from hope to exhaustion.

The application procedure is too complicated.

Zhang Rong, 33, submitted a small loan application to the authorities in August last year.

She originally owned a restaurant and wanted to borrow 70 thousand yuan to supplement her working capital.

Zhang Rong was the first time to handle loan processing procedures, so she did not know about the procedure. After introducing her to Guarantee Corporation, the labor department almost stopped asking questions, and Guarantee Corporation asked her to send too many related materials, which required cumbersome procedures.

Because of the lack of clarity, each time it is not short, this is the lack of material.

"Application form, plan, guarantee..."

I can not count how many pieces of material I have filled and how many prings I have covered to the relevant departments.

In those days, as long as a pager went off every day, I knew that most of the people from Guarantee Corporation were looking for me.

All day long, I was run around by people and I became more and more angry.

In the 3 months from August 2003 to November, Zhang Rong went to the Guarantee corporation or bank and so on every other day, from her home to Guarantee Corporation, and drove to the circuit for at least 3 hours.

Zhang Rong has to drive and pick up the staff herself. She has barely had time to talk about restaurants in the past 3 months.

The restaurant has been open for 6 years, helping more than ten people to reemployment, but our restaurant has only a dozen square meters, which is not enough at all.

Besides, I am short of equipment, and the only stove is broken.

If you want to improve the environment, you can only rely on loans. But after running down for 3 months, I think the idea of lending is not as good as a day, but then I simply give up.

Zhang Rong is very straightforward.

The cost is too high for Zhang Rong to worry about.

Although the interest rate of the small loan itself is not high, the cost of obtaining the loan is very high.

She gave me an account: she wanted to apply for a loan of 70 thousand yuan, to pay the package.