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would like to share our results with you from MicroTest,
an initiative of FIELD (part of the Aspen Institute),
which compares microenterprise organizations in the
U.S. and looks at developing trends. The report shows
how we compare to 69 other microenterprise agencies,
particularly our peer groups which include mature,
urban-based, training-led, low-income client focused
programs. Women's Initiative leads the pack in terms
of serving women, minorities, disabled and extremely
low-income persons. We also are at the top of the
list for serving clients who do not yet have a business.
Women's Initiative distinguishes itself by:
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Serving 97% low-income clients versus the average
of our peers which served approximately 80% low-income
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12% of our client population reported a disability
compared to an average of 4% our peer group
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Serving 76% of clients who did not yet operate a
business
We continue to reach the hardest to serve clients
and support them in developing a successful path to
self-sufficiency. The business training program most
effectively serves those who are in the idea phase
and have yet to fully operate a business. Women's
Initiative also offers more depth of service and supports
clients as they grow their business. MicroTest revealed
that we slightly exceed the number of microloans disbursed
by the average of our peer group. This information
will help us to better serve our clients in 2008 and
understand trends in the field of microenterprise
in the U.S.
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| HOT
TOPICS |
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Women’s
Business Center designation celebrated
at Women’s Initiative Concord
graduation
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Graduates
pose together at the ceremony
in their honor. |
The
pilot program of Women's Initiative
launched in Contra Costa County
earlier this year is in full swing.
Thanks to Women’s Business
Center designation by the Small
Business Administration, Concord
will have a fully operational site
by the end of the year. The opening
of the new Concord-based center
at was announced at the graduation
ceremony on November 15. The Small
Business Administration is investing
$150,000 in the Contra Costa program.
The graduation celebration honored
25 graduates of the Women's Initiative
program who are starting all types
of businesses including: landscaping,
restaurant, house cleaning, massage
therapy, and clothing. The graduation
also featured a mini tradeshow with
three client businesses that sold
jewelry and clothing, and shared
food samples with hungry attendees.
Mayor
Newsom visits Women’s Initiative
training center in San Francisco
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Photo
of Mayor Gavin Newsom with
Alma Elizondo, Women's Initiative's
SuccessLink Associate |
Mayor
Gavin Newsom visited Women's Initiative's
San Francisco headquarters to hold
a focus group on the Mayor's Office
of Economic and Workforce Development's
program: Enterprise Zone Tax Credits
for San Francisco Businesses. San
Francisco businesses are eligible
for substantial tax benefits through
two enterprise zone programs. The
state Enterprise Zone program enables
businesses in targeted locations
to reduce their state income tax
liability. These areas include;
Hunters Point, Bayview, Chinatown,
Financial District, SOMA, North
Beach, Embarcadero, Mission, Potrero
Hill, Tenderloin, Civic Center etc.
The size of the businesses supported
range from large companies to small
restaurants.
Tax benefits include:
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Up to 35,100 in state income tax
credits for each qualified employee
hired over 5 years.
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Sales and use tax credits on purchases
of qualified machinery an parts,
including computers, data processing
and telecommunications equipment
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Up-front expensing of certain
depreciable property
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Application of unused tax credits
to future tax credits
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Up to 100% net operating loss
carry forward
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Net interest deduction for Zone
business lenders
The
Mayor believes the Enterprise Zone
is great program, but admitted that
few businesses are taking advantage
of it. He came to the community
for feedback. Forty stakeholders,
among them organizations like MEDA,
La Cocina, Women’s Initiative,
and the SF Chamber of Commerce gave
input on how to promote the program
and reach especially small business
owners. Some suggestions to make
the program more accessible included
simplifying the information and
translating it into major language
spoken in San Francisco. For more
info about the program you can check
the Mayor's
Office of Economic and Workforce
Development website.
Business
Trainer Milagros Acosta recognized
by Bank of America’s Neighborhood
Excellence Initiative
Bank of America Charitable Investments
announced this year’s recipients
of the Neighborhood Excellence Initiative,
designating funding to recognize,
nurture, and reward organizations,
local champions, and student leaders
helping to rebuild and revitalize
their communities in thirty-eight
of the bank’s major markets
across the United States. Women’s
Initiative Business Trainer Milagros
Acosta, who is also a graduate of
the program, was awarded $5000 as
part of the Neighborhood Excellence
Initiative and she donated the money
to Women’s Initiative. Here
is what Bank of America had to say:
“Milagros Acosta has been
deeply involved with the Bay Area
childcare community since arriving
in the U.S. from Puerto Rico 20
years ago. For 12 years, she has
trained Latina childcare providers
on organization, scheduling, and
business development skills. She
teaches 10 classes a year through
KQED’s PEP program, and has
designed over 30 of their workshops.”
Women’s Initiative is proud
to have high caliber trainers like
Milagros. Bank of America held an
awards ceremony on November 6 to
honor this year’s recipients.
Congratulations!
Microbusinesses
Going Green
Can
a very small business go green without
going under?
Recognizing
the odds that are stacked against
small businesses, many entrepreneurs
focus on making money and plan on
attending to the earth's survival
later. But some Women's Initiative
graduates aren't listening. Instead,
from Day One they place a priority
on conserving natural resources,
minimizing waste and recycling.
"Going
green" and "eco-friendly"
are general terms that refer to
efforts to promote the longevity
of systems upon which human life
depends, including agriculture,
industry, development and natural
resources. In short, owners of "green"
businesses make choices and adapt
their practices to sustain renewable
resources.
A
recent Women's Initiative survey
indicates that a majority of the
organization's graduates say they
use some environmentally friendly
practices in their business. For
most that means taking basic steps,
such as using low-wattage light
bulbs, recycling paper and saving
fossil fuels by buying supplies
from local vendors.
Other
Women's Initiative graduates are
doing much more. These profiles
of 10 businesses started by Women's
Initiative graduates show that some
are making a significant effort
to be environmentally friendly.
READ
FULL ARTICLE about Women’s
Initiative clients with green businesses.
-
Laurel Shackelford
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GRADUATE
SPOTLIGHT |
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Gabriela
Ramirez
Owner of Mom, Son,
& Daughters Tables and Chairs
Renting
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Gabriela
Ramirez with her three daughters.
Photo credit: Joe Budd |
In
a small town in El Salvador, Gabriela,
a single mother of two, was working
hard to save money to immigrate
to the United States. After five
years delivering dairy products
day and night, Gabriela made her
dream come true and left her homeland
with the intention to give a better
life to her family.
Gabriela
arrived in the United States in
August 1993. With almost no money,
but with lots of dreams, she tried
her best to overcome the hardship.
Life in San Francisco was not easy
for Gabriela; the lack of English
and education did not allow her
to find a job. After a long search,
she found a job as a housekeeper.
However, she was treated poorly
and kept the job only to support
herself and send what little she
could to her children back in El
Salvador.
| “ALAS
helped me not only to increase
my business knowledge and income,
but also to value myself as
a mother, woman, and entrepreneur.” |
In
1994, Gabriela met the man who later
became her husband and father of
her three daughters. With his help
she left the dead-end house cleaning
job, but he also began to emotionally
and physically abuse Gabriela. With
no job, five kids and an abusive
partner, Gabriela fell into a deep
depression.
Gabriela’s
husband only allowed her to leave
the house to buy groceries. She
discovered ALAS, the Women's Initiative
training program tailored to Latina
entrepreneurs, on her walk to the
grocery store in San Francisco's
Mission District. Every time Gabriela
went to the market, she saw many
women entering the Women's Initiative
office for a class and was curious
about the training. She dropped
by the office one day to find out
about the course. Once she knew
that Women's Initiative could help
her open her own business and become
self-sufficient, she began to see
hope in her life again. That hope
was dashed out when her husband
prohibited her from attending the
business management class.
Gabriela
desire to be part of the program
never wavered and after a few years,
Gabriela decided to talk to one
of the small business trainers at
Women's Initiative despite her husband’s
disapproval. “The inspiring
words of the trainer and the unconditional
support received from the Women's
Initiative team helped me to end
the abusive circle in which I have
been part of for seven years,”
shared Gabriela.
When
Gabriela began the program, her
idea was to open a café or
a childcare business. However, she
decided to continue with the small
tables and chairs renting business
that her husband operated and then
abandoned once they separated. When
Gabriela started Mom, Son, &
Daughters Tables and Chairs Renting
she had only 340 chairs and 54 tables.
Today Gabriela’s business
has grown to a rental company with
more than 1500 chairs and 130 tables.
Gabriela is the sole proprietor
of her business and her children
are active in supporting her business
success. Her daughters Gabriela,
Xiomara, and Cinthia motivate and
her to continue her business and
quest for financial independence.
Thanks
to Women's Initiative and her family,
Gabriela has achieved her dream
and is looking for new ways to expand
her business. Gabriela says that
while today she only rents tables
and chairs, little by little she
is looking to add more items to
her inventory, such as tablecloths
and other party supplies.
Visit
Gabriela's store at 2390 Mission
Street #106, San Francisco.
-
Julieta Pomares |
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| EVENTS |
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Graduate
Erica Varize, owner of EVarize
Fashion Café, is featured on
a new web site called Woman
Co that focuses on women entrepreneurs.
Women's Initiative has partnered with
them to provide a new success story
on one of our women entrepreneurs every
few months. READ
MORE of Erica’s story on Woman
Co.
Join
us for the final SuccessLink seminar
of the year: Moving Beyond Overwhelmed
and Back into the Flow.
The seminar will be given by small business
coach Nika Quirk, MBA.
Overwhelmed can be a familiar state
of being for women who are making changes,
aiming high and/or taking on multiple
projects in life and work. Moving beyond
being overwhelmed begins with pausing
long enough to understand what we are
responding to and experiencing. In this
two hour interactive seminar, we will
take those first steps, sharing our
experience of what it is to be overwhelmed,
what triggers it, and what helps us
transition back to feeling empowered
and in the flow. Fri, Dec 7, 6:00 pm
– 8:00 pm at the Women’s
Initiative training center in San Francisco
(1398 Valencia St. at 25th). Space is
limited so please register with Alma
Elizondo at (415) 641-3470 or aelizondo@womensinitiative.org.
Dimond
District Winter Festival: Celebration
& Gift Fair
Graduate
Ruth Villasenor is helping to organize
the Dimond District Winter Festival.
Enjoy the true spirit of the holiday
season as spiritual leaders from various
faiths share words and music to honor
and celebrate diversity. There will
be musical performances, craft-making
opportunities for the kids, and shopping.
Support the local economy by purchasing
holiday crafts and gift wares by local
artists and merchants. Sat, Dec 8, 10:00
am-3:00 pm at the Fruitvale Presbyterian
Church (2735 Mac Arthur Blvd. at Coolidge
Ave.). $5.00 suggested donation. Call
Ruth at (510) 336-0105 for more info.
22nd
Annual Kwanzaa Gift Show
Graduate Corinthia Peoples and her unique
jewelry designs will be part of the
Kwanzaa Gift Show (Booth #710). Stop
by the show at the Oakland Marriott
(1001 Broadway at 10th) for great shopping
opportunities on Dec 8-9, 11:00 am-8:00
pm. Admission is $5, children under
12 are free. For more information visit
www.corinthiapeoples.com.
Women
Making a Difference-Changing the World
One Community at a Time
The San Francisco Commission and Department
on the Status of Women are celebrating
their 30th Anniversary and
will be honoring Julie Castro Abrams,
CEO of Women's Initiative, with one
of the inaugural CEDAW Human Rights
Awards. Julie will be honored for entrepreneurship
at the gala luncheon "Women Making
a Difference-Changing the World One
Community at a Time" on Wed, Dec
12 at the Palace Hotel. Julie will be
recognized alongside the Honorable Nancy
Pelosi,the Honorable Barbara Boxer,
and the honorable Dianne Feinstein.
Luncheon tickets are $125 each. To register
please visit www.friendsanniversary.org.
Ho-Ho-Holiday
Shopping with Women’s Initiative
Vendors
Liquid Events is hosting a vendor fair
featuring Women's Initiative graduates.
The event will also benefit Women's
Initiative and help support up-and-coming
women entrepreneurs. Shop with over
30 vendors for unique gifts like fashion
apparel, jewelry, gift baskets and more.
Thurs, Dec 13-Sun, Dec 16, 9:00 am-7:00
pm everyday except Sun 10:00 am-5:00pm
at 511 Francisco Blvd. E., San Rafael.
For more information visit Liquid
Events. There is still booth space
open. The cost for 2 days is $150, an
8' table and chair are provided along
with free parking. Contact Susan Grant
for more information at (510) 508-4484.
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| IN
THE NEWS |
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Graduate
Dania Wright had a
great review of her T-shirt designs
appear in Karen Salkin's Out To Lunch
review on BeverlyHillsPeople.com.
December
1, 2007
Denisen Hartlove, “The flexible
job: Direct sales marketing evolves
over 50-year history”
Bay Area Business Woman
November
15, 2007
“Bay
Area Buzz: Women Business Center”
Contra Costa Times
Have
you recently been featured in the media?
Let us know about it by emailing Justina
at jcross@womensinitiative.org. |
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| RESOURCES
& OPPORTUNITIES |
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Visit
the Women's Initiative blog
to read entries by graduate Tracy Watson,
owner of Our World Books
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