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Micro-business
Businesses aren’t creating enough jobs and government employment’s been cut back. Do it yourself. Create your own job, start your own business. It’s these very small, micro-businesses that are the future of our economy.
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AltLend: Ami Kassar, Founder - MultiFunding LLC and WSJ Guest Columnist - YouTube

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Small business advocate Ami Kassar calls for transparency in costs in alternative lending.

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Strategies: Self-employed give thumbs up to Obamacare

Strategies: Self-employed give thumbs up to Obamacare | Micro-business | Scoop.it

ACA is benefiting the 22 million self-employed Americans. It underscores the ACA's incalculable benefit to entrepreneurship and job creation, as well as its role in providing coverage to a cohort of underinsured people (traditionally the self-employed have been more than 30% uninsured).Many say they've been able to get health insurance, grow their companies because of the Affordable Care Act.

CAMEOMicro's insight:

ACA is benefiting the 22 million self-employed Americans. It underscores the ACA's incalculable benefit to entrepreneurship and job creation, as well as its role in providing coverage to a cohort of underinsured people (traditionally the self-employed have been more than 30% uninsured).

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The National Champion of Local Business

The National Champion of Local Business | Micro-business | Scoop.it
For nearly two decades, Stacy Mitchell has tried to level a playing field she sees as tilted toward big retail.
CAMEOMicro's insight:

This article has a bunch of good examples of cities paying big bucks to box stores at the expense of the taxpayer and local business.

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Credit Scores and Financial Behavior of business owners

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Our colleagues at Aspen's FIELD program explored the  outcomes on credit scores and financial behaviors of  microentrepreneurs who used a secured credit card.

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Women Launching 1,200 New Businesses a Day, New Research Shows

Women Launching 1,200 New Businesses a Day, New Research Shows | Micro-business | Scoop.it
The latest OPEN State of Women-Owned Business report shows the increasing clout of women entrepreneurs.
CAMEOMicro's insight:

Women starting businesses like GangBusters

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Closing the gender gap

Closing the gender gap | Micro-business | Scoop.it
Sen. Maria Cantwell shares her thoughts on a report that suggests women business owners face a gender pay gap. Cantwell also talks about small businesses and the influence of women. The panel then turns the conversation to the situation in Gaza.
CAMEOMicro's insight:

We applaud the Senator Maria Cantwell and the Chairwoman of the Senate Committee on Small Business and Entrepreneurship for bringing attention to the huge gender gap in small business lending.

 

Women get $1 for every $23 that men get for small business loans.  

 

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Watsonville conference aims to build small specialty food enterprises

Watsonville conference aims to build small specialty food enterprises | Micro-business | Scoop.it
WATSONVILLE >> Is the next Sriracha brewing in Watsonville?
Maybe the city's micro-entrepreneurs will come up with the next hot product to take off in the specialty food market.
CAMEOMicro's insight:

Our Go-to-market conference helped over 70 very small food businesses in Watsonville. They networked, they learned, they connected with suppliers and distribution channels... We expect to see many of their products on the shelves in the near future.

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The Mysterious Death of Entrepreneurship in America

The Mysterious Death of Entrepreneurship in America | Micro-business | Scoop.it
A tale of two definitions of entrepreneur—one thriving, one flailing.
CAMEOMicro's insight:

I wonder if they've considered the growth of the self-employed/the independent worker that is really a business, but might not be registered as one.

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Not Just Jobs: The Good Jobs Of Microbusiness

Not Just Jobs: The Good Jobs Of Microbusiness | Micro-business | Scoop.it
While there is no question that wages are a critical component of work, there are also other valuable aspects of a "good" job. Good jobs raise the floor by providing a basic level of stability through decent wages, benefits, stable schedule...
CAMEOMicro's insight:
Not only are microbusinesses the biggest net creator of jobs from 2003 to 2010, but they also create good jobs.
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The Part-Time, Freelance, Collaborative Economy | Newgeography.com

The Part-Time, Freelance, Collaborative Economy | Newgeography.com | Micro-business | Scoop.it
CAMEOMicro's insight:

Are we becoming a part-time economy? Maybe. A collaborative economy? Possibly. A freelance economy? Definitely.  And to make sure freelancers are successful, we need a strong microbusiness development infrastructure.

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How Obamacare Could Unlock Job Opportunities

How Obamacare Could Unlock Job Opportunities | Micro-business | Scoop.it
By redistributing financial risk, the new health-insurance system might prove a boon to entrepreneurs.
CAMEOMicro's insight:

Obamacare - micro-business motivator?

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Aging population sees opportunity in small business

Aging population sees opportunity in small business | Micro-business | Scoop.it
As the population ages, younger baby boomers are starting small enterprises in such fields as massage therapy, senior fitness training and nutrition. The New York Times reports.
CAMEOMicro's insight:

One of the many facets of the self-employment trend.

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Micro-Lending Program Through Women’s Economic Ventures Empowers Entrepreneurs

Micro-Lending Program Through Women’s Economic Ventures Empowers Entrepreneurs | Micro-business | Scoop.it
With its financing and training, the organization has helped thousands of aspiring small-business owners find their path to success
CAMEOMicro's insight:

GO WEV! Women's Economic Ventures.  You do great work in building wealth and strong communities.

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Las Vegas' 'Evangelical Urbanist' Steps Down From Bleeding Downtown Project

Las Vegas' 'Evangelical Urbanist' Steps Down From Bleeding Downtown Project | Micro-business | Scoop.it
Tony Hsieh's visionary plan for the city's off-strip core seems to be imploding, leaving followers disillusioned.
CAMEOMicro's insight:

Sounds like the businesses need CAMEO members! I still like this concept - don't throw baby out with the bathwater

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DelBene Joins Reps. Chu and Maloney in Introducing Legislation to Support Women-Owned Small Businesses | Congresswoman Suzan DelBene

DelBene Joins Reps. Chu and Maloney in Introducing Legislation to Support Women-Owned Small Businesses | Congresswoman Suzan DelBene | Micro-business | Scoop.it
CAMEOMicro's insight:

Congressional women unite to support women's business ownership!  Two bills, one in the Senate and now one in the House!  Show your support by urging your Senators to co-sponsor: http://www.congressweb.com/wipp/27

 

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Did You Know? Most Small Businesses Start With $10,000 Or Less | Quickbooks

Did You Know? Most Small Businesses Start With $10,000 Or Less | Quickbooks | Micro-business | Scoop.it
Intuit recently conducted a survey to better understand how small businesses get started, and found that the majority of them do so with $10,000 or less.
CAMEOMicro's insight:

Only 12% get help from the SBA - lots of potential to help small and micro business owners succeed! 

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Three in Five New Microbusinesses Use Personal Savings to Stay Afloat, Sam's Club Survey Finds - WSJ.com

Three in Five New Microbusinesses Use Personal Savings to Stay Afloat, Sam's Club Survey Finds - WSJ.com | Micro-business | Scoop.it
CAMEOMicro's insight:

Small businesses have a hard time finding credit - consider a local Community Development Financial Institution or your credit union or a community bank. 

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A New Strategy to “Drive” Small Business Growth | SBA.gov

A New Strategy to “Drive” Small Business Growth | SBA.gov | Micro-business | Scoop.it
CAMEOMicro's insight:

Great way for big businesses to help the smaller guys and gals - pay for services in a reasonable amount of time - imagine that. Too bad it took a Presidential effort to bring this practice into reality.  Now extend that to freelancers and the really small guys.  Pay your vendors and pay them on time!

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Small Business Lenders Open Up to Cory Booker About Their High Interest Rates

Small Business Lenders Open Up to Cory Booker About Their High Interest Rates | Micro-business | Scoop.it
A senator raises the interest rate question at a panel on alternative lending to small business
CAMEOMicro's insight:

All the more reason to see funding from a community-based microlender ...  very reasonable interest rates 

 

If you're in California you can find them here:

http://www.microbiz.org/cameo-membership/map-of-microlenders/

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5 Reasons Why Janet Yellen Still Sees Slack in Economy - Five Things - WSJ

5 Reasons Why Janet Yellen Still Sees Slack in Economy  - Five Things - WSJ | Micro-business | Scoop.it
Federal Reserve Chairwoman Janet Yellen on Monday offered a full-throated defense of the central bank’s easy money policies in a speech in Chicago.
CAMEOMicro's insight:

Micro-business development can be seen as an antidote to much  that Janet Yellen sees wrong with our labor market

 

1.  Part-time Workers:  Starting a micro-business can offer a way to make money for the part-time workers.   

2.  Job Market Turnover:  Starting your own business allows you more control over job stability.

3.  Lackluster wage growth:  Micro-businesses pay way better than the federal minimum wage - about $18 an hour

4.  Long-term Unemployed- starting a business is a great way to create your own job, especially if you have barriers to entry to traditional work,

5. Participation: starting your own business creates your own job and puts you back in the labor market

 

The policy problem is that current infrastructure doesn't recognize the reality of the labor market - that a growing number of people are self-employed.  We need to make sure they're successful.

 

 

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Do-It-Yourself Economic Growth

Do-It-Yourself Economic Growth | Micro-business | Scoop.it
The world is rapidly changing. Nothing is as it was 10 years ago, and we can only imagine what will be in 10 years and that includes changing economic conditions and a changing labor market. This m...
CAMEOMicro's insight:

Labor market trends are changing with increases in self-employment and businesses starting and staying smaller.  The economic development tools and infrastructure necessary to make sure that the self-employed and micro-businesses are successful needs to change with the times.  We just had a journal article published that talks about the trends and offers some new tools for a new economy.

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Black Small Business Owners Get Left Out Of Loans

Black Small Business Owners Get Left Out Of Loans | Micro-business | Scoop.it
Black-owned small businesses are getting less than 2 percent of loans, down from 8.2 percent of all loans before the recession.
CAMEOMicro's insight:

Why non-profit mission-driven lenders are so important.

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1776 - Micro-Lending Model Finding New Traction in First-World Economies

1776 -   Micro-Lending Model Finding New Traction in First-World Economies | Micro-business | Scoop.it
When we think of microfinance, we usually consider it a poverty alleviation tool for developing countries. Yet, micro-lending also offers many benefits to wealthier countries. Over the last...
CAMEOMicro's insight:

Room to grow for our industry... "Microfinance is only beginning to enter the American market as a way for small businesses to access capital."

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HackerCare Aims To “Hack” Healthcare For Startups | TechCrunch

HackerCare Aims To “Hack” Healthcare For Startups | TechCrunch | Micro-business | Scoop.it

dling thIn four years David Varvel went from no health insurance, to full coverage via the Japanese government, to purchasing a high deductible plan, and then full..

CAMEOMicro's insight:

Building the infrastructure of a do-it-yourself -microbusiness-driven economy - 

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