Micro-business
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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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SBA nominee Maria Contreras-Sweet sails through heaering; Sen. Maria Cantwell to chair Small Business & Entrepreneurship Committee - Denver Business Journal

SBA nominee Maria Contreras-Sweet sails through heaering; Sen. Maria Cantwell to chair Small Business & Entrepreneurship Committee - Denver Business Journal | Micro-business | Scoop.it
Wednesday was a day of transition for small businesses on Capitol Hill:

Via Marty Koenig
CAMEOMicro's insight:

Headline is a little misleading - she doesn't have the job yet, there was no vote as there wasn't a quorum... but she did great - and she mentioned CAMEO!  Said we were a steward for microlending for underserved borrowers.  We are very happy to hear she understands the importance of starting businesses and entrepreneurial training programs and microloans.  We support this nomination whole-heartedly.

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Marty Koenig's curator insight, February 13, 2014 5:23 PM

I think this is a good move. What do you think? We sure need some leadership in the government for Small Businesses!!

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Self Employment Assistance - Joseph Carmack - YouTube

Share your videos with friends, family, and the world
CAMEOMicro's insight:

Oregon helps the unemployed start their own businesses.  This guy was unemployed and now employs 76 people. We tried to pass a SEA program in California but didn't pass... let you legislators know that you want one.  It's a great policy that helps create jobs and generate economic activity instead of couch potatoes

 

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California Legalized Selling Food Made At Home And Created Over A Thousand Local Businesses

California Legalized Selling Food Made At Home And Created Over A Thousand Local Businesses | Micro-business | Scoop.it
A government official appears at a man’s door. The man has been breaking the law: He has sold bread baked at home. This isn’t a page from Kafka—it happened to Mark Stambler in Los Angeles.
CAMEOMicro's insight:

Go micro-businesses!

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Explaining the Senate Plan to Kill the Small Business Administration

Explaining the Senate Plan to Kill the Small Business Administration | Micro-business | Scoop.it
If Senator Richard Burr's bill were law, the SBA would be a smaller fish in the Commerce Department aquarium, with its chief an undersecretary
CAMEOMicro's insight:

If this article is right (scroll to the end) the point is mute.  President Obama is expected to announce Maria Contreras-Sweet as his nominee to head the SBA. Ms. Contreras-Sweet is the founder and board chairman of a Latino-owned community bank, ProAmerica Bank, in Los Angeles. 

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Job Creation Varies by Small Business Size

Job Creation Varies by Small Business Size | Micro-business | Scoop.it
Research indicates job creation varies by small business size as small establishments of different sizes vary greatly in how many jobs they create.
CAMEOMicro's insight:

Among the three sizes of establishments, only those with between 1 and 19 workers currently employ more people now than they did in November 2007. 

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Miami-Dade public schools reached new heights - MiamiHerald.com

Miami-Dade public schools reached new heights - MiamiHerald.com | Micro-business | Scoop.it
MiamiHerald.com Miami-Dade public schools reached new heights MiamiHerald.com The School Board has adopted a small/micro business policy, as well as a local vendor preference policy to ensure that local businesses have every opportunity to...
CAMEOMicro's insight:

A great procurement policy by a large public school district to have a buy 'micro' effort - will help local businesses

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Why Small Businesses Aren’t Hiring… and How to Change That

Why Small Businesses Aren’t Hiring… and How to Change That | Micro-business | Scoop.it
The problem comes down to access to capital.
CAMEOMicro's insight:

micro-businesses have the most % growth in revenue and growth per employee (so hiring less).  Access to capital is a problem.

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The Startup Movement | House Small Business Committee

The Startup Movement | House Small Business Committee | Micro-business | Scoop.it
CAMEOMicro's insight:

This happened a couple of days ago.  Glad they're talking about start-ups, but a huge sector missing from this conversation is the start up micro-businesses.  The very small firms that create all the jobs. http://www.microbiz.org/very-small-businesses-created-5-5-million-jobs/

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You Might be Surprised at the Current State of Independent Workers

You Might be Surprised at the Current State of Independent Workers | Micro-business | Scoop.it
Are today’s independent workers entrepreneurs, or just people who can’t get jobs and are forced to fend for themselves? Studies suggest it's the former.
CAMEOMicro's insight:

The trend is self-employment.  Great research.  Big implications- as the institutions need to change to support this trend.

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Micro-Business Is the Backbone of the U.S.

Micro-Business Is the Backbone of the U.S. | Micro-business | Scoop.it
Investment in the micro-business field is less than 3 percent of what's invested by venture capitalists. Most efforts to help entrepreneurs are focused on high growth businesses.
CAMEOMicro's insight:

Happy Entrepreneurship Month - celebrate all entrepreneurs.

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Celebrating National Women’s Small Business Month | SBA.gov

Celebrating National Women’s Small Business Month | SBA.gov | Micro-business | Scoop.it
CAMEOMicro's insight:

Stats from the White House on President Obama's record on helping women business owners.

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Former SBA Chief on 3 Keys to a Better U.S. Entrepreneur Economy

Former SBA Chief on 3 Keys to a Better U.S. Entrepreneur Economy | Micro-business | Scoop.it
High-growth firms have a huge potential for creating U.S. jobs. According to Karen Mills, there are three key components to getting there.
CAMEOMicro's insight:

To be less abstract than people and institutions: business assistance - how to write a business plan, do a cash flow, financial projections, find your target customer, etc...- is the secret sauce.  80% of #smbiz owners who get help succeed and hire 2 employees within 3-5 years.   Too bad SBA cut programs that fund business assistance.

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How A Crowdfunding Site Helps Women Support Women

How A Crowdfunding Site Helps Women Support Women | Micro-business | Scoop.it
An e-marketplace aimed that helps women purchase goods and services from women, helps entrepreneurs
CAMEOMicro's insight:

October is women's business month! We applaud efforts that support women entrepreneurship.

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Ami Kassar: The Price of Speedy Small-Business Loans

Ami Kassar: The Price of Speedy Small-Business Loans | Micro-business | Scoop.it
Convenience should not apply when you're looking for financing.
CAMEOMicro's insight:

Speedy loans can have high interest payments.  Check out CAMEO's network of microlenders if you're looking for a loan of under $50,000  http://www.microbiz.org/cameo-membership/map-of-microlenders/

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Laid off? How Starting a Business Can Help you Land a New Job

Laid off? How Starting a Business Can Help you Land a New Job | Micro-business | Scoop.it
Have you lost your job and are looking for employment? Learn how starting a company may help you land your next job.
CAMEOMicro's insight:

Self-employment is a good option for the long-term unemployed who have great skills but problems getting a job.  CAMEO has been fielding calls from all over California from such people, many of them who are over 50 with lots of experience but are expensive to keep. 

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Are You a Tortoise or a Hare Entrepreneur? (It Matters)

Are You a Tortoise or a Hare Entrepreneur? (It Matters) | Micro-business | Scoop.it
Most startups don't raise VC money. Here's why--and an intro to where else to look.
CAMEOMicro's insight:

I love the tortoise / hare metaphor.  Another capital choice for the tortoise businesses is your local mission-driven community lending. Check out this map of California microlenders  http://www.microbiz.org/cameo-membership/map-of-microlenders/

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Microbusiness for Inclusion and Collaborative Success launches effort

Microbusiness for Inclusion and Collaborative Success launches effort | Micro-business | Scoop.it
Microbusiness for Inclusion and Collaborative Success is a working group of corporations, organizations and certified minority vendors launched to create a "success community."
CAMEOMicro's insight:

Microbusinesses, once only considered home-based mom-and-pop shops, are now center stage as "main street" entrepreneurs, such as consultants, contractors and business groups with one to four employees.


Also BLS says average firm size is less than 5 - used to be about 8 employees a few years ago.

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Nonbank lenders want to become the go-to financiers for business owners needing quick cash, but the money isn't coming cheap

Nonbank lenders want to become the go-to financiers for business owners needing quick cash, but the money isn't coming cheap | Micro-business | Scoop.it
With commercial credit tight, nonbank lenders want to become the go-to financiers for business owners needing quick cash, but the money isn't coming cheap.
CAMEOMicro's insight:

Really interesting trend - new small business lenders looking at alternative ways of deterimining loan repayment probability like FB likes and Yelp! reviews.

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40 Must Read Blogs for Entrepreneurs @sujanpatel

40 Must Read Blogs for Entrepreneurs @sujanpatel | Micro-business | Scoop.it
CAMEOMicro's insight:

Really good list of blogs - some you'll know (Guy Kawasaki and Seth Godin) and some you may not know.

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Office of Advocacy - Research Issues - Crossing the Employer Threshold: Determinants of Firms Hiring Their First Employee | SBA.gov

Office of Advocacy - Research Issues - Crossing the Employer Threshold: Determinants of Firms Hiring Their First Employee | SBA.gov | Micro-business | Scoop.it
CAMEOMicro's insight:

What are the factors that lead new businesses without
employees to hire their first employee?  And micro-businesses are THE main engine of job creation. 

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Why the U.S. Economy Needs Small Businesses to Hire More

Why the U.S. Economy Needs Small Businesses to Hire More | Micro-business | Scoop.it
About one in five U.S. small businesses has more than one employee. This might lead you to believe that running a successful small business can be a lonely, one-person affair.
CAMEOMicro's insight:

The importance of getting someone to help guide your business can't be overlooked.  At CAMEO we like to say that business assistance is the first step in capital access.

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When Government Contractors Battle Over the Meaning of Small Business

When Government Contractors Battle Over the Meaning of Small Business | Micro-business | Scoop.it
After a “large” company won a contract set aside for small business, the Government Accountability Office declined to intervene
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Presidential Proclamation -- National Entrepreneurship Month, 2013 | The White House

Presidential Proclamation -- National Entrepreneurship Month, 2013 | The White House | Micro-business | Scoop.it
CAMEOMicro's insight:

Let's celebrate the entire spectrum of entrepreneurs from the very small businesses with just a few employees who are the backbone of the local economy to the entrepreneurs who create the FB's and Googles.  It's the microbusinesses that create the jobs (5.5 million) more than any other firm size.

http://www.microbiz.org/very-small-businesses-created-5-5-million-jobs/

 

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What We Know About Microcredit in the US

What We Know About Microcredit in the US | Micro-business | Scoop.it
Joyce Klein is director of the Microenterprise Fund for Innovation, Effectiveness, Learning and Dissemination (FIELD), a part of the Aspen Institute Economic Opportunities Program.
CAMEOMicro's insight:

Joyce Klein's follow up from NYT Microcredit article - upshot, it's going to take many approaches to help those who are priced out of traditional financing options.  Our two cents - business assistance is needed to help make the best of the captial.

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In the New Economy, Everyone Is an Indentured TaskRabbit

In the New Economy, Everyone Is an Indentured TaskRabbit | Micro-business | Scoop.it
The future of work is bleaker than we expected.
CAMEOMicro's insight:

40 million contingent workers!  In order for it not to be bleak - need systems change to recognize this New Economy and teach people how to survive, i.e. basic business skills. Yes if you're a gigger - you're a business owner. 

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