{"id":15479,"date":"2013-09-29T17:00:00","date_gmt":"2013-09-29T19:00:00","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/kredito-uniju-paskolos-padeda-igyvendinti-verslo-idejas\/"},"modified":"2023-06-23T08:21:51","modified_gmt":"2023-06-23T05:21:51","slug":"kredito-uniju-paskolos-padeda-igyvendinti-verslo-idejas","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/kredito-uniju-paskolos-padeda-igyvendinti-verslo-idejas\/","title":{"rendered":"Kredito unij\u0173 paskolos padeda \u012fgyvendinti verslo id\u0117jas"},"content":{"rendered":"

\"DSC<\/a>J\u016bs\u0173 galvoje kirbena verslo planas, ta\u010diau stokojate finansini\u0173 i\u0161tekli\u0173 j\u012f \u012fgyvendinti? Svarbu tur\u0117kite pakankamai ry\u017eto nukeliauti \u012f \u0160ilut\u0117s kredito unij\u0105, kuri pad\u0117s j\u016bs\u0173 svajonei realizuotis.<\/strong><\/p>\n

Lietuvos kredito unij\u0173 vykdomas projektas \u201eVerslumo skatinimas\u201c i\u0161 Verslumo skatinimo fondo teikia paskolas pradedantiesiems ir neseniai veikl\u0105 prad\u0117jusiems verslininkams. Did\u017eiausia galima paskolos suma siekia 86 000 Lt. Vienas did\u017eiausi\u0173 privalum\u0173 -pirmus trejus metus (iki 2015 m. rugs\u0117jo 30 d.) 95 proc. sumok\u0117t\u0173 paskolos pal\u016bkan\u0173 verslininkai atgauna – jos yra kompensuojamos.<\/p>\n

Nuo \u0161i\u0173 met\u0173 rugpj\u016b\u010dio 27 d. \u012fsigaliojo naujov\u0117 – papildomai kompensuojamas ir darbo u\u017emokestis (jeigu yra samdomi \u017emon\u0117s). Kas m\u0117nes\u012f bus kompensuojama ne daugiau kaip 75 % darbo u\u017emokes\u010dio ir i\u0161 viso \u0161ioms reikm\u0117ms kiekvienai \u012fmonei bus skirta nuo 20 000 iki 25 000 Lt.<\/p>\n

Projektas finansuojamas i\u0161 2007-2013 met\u0173 ES strukt\u016brini\u0173 fond\u0173.<\/p>\n

Nuo 2011 met\u0173 spalio m\u0117nesio \u0160ilut\u0117s rajone \u0161ia programa pasinaudojo ir paskolas i\u0161 \u0160ilut\u0117s kredito unijos gavo 25 verslininkai.<\/p>\n

Prioritetas – jaunimui<\/strong><\/p>\n

Lietuvos kredito unijos vykdo projekt\u0105 \u201eVerslumo skatinimas\u201c, kuri\u0105 i\u0161 \u017dmogi\u0161k\u0173j\u0173 i\u0161tekli\u0173 pl\u0117tros veiksm\u0173 programos finansuoja Europos socialinis fondas. Per vis\u0105 projekto vykdymo laikotarp\u012f – penkerius metus – \u0161iai priemonei numatyta skirti 50 000 000 Lt l\u0117\u0161\u0173. Lietuvoje jau yra i\u0161duotos 552 paskolos u\u017e 33,6 mln. Lt.<\/p>\n

Paskolas i\u0161duoda 57 kredito unijos, paskol\u0173 i\u0161davim\u0105 koordinuoja Lietuvos centrin\u0117 kredito unija, o fond\u0105 valdo UAB \u201eInvesticij\u0173 ir verslo garantijos\u201c (INVEGA).<\/p>\n

Pasak projekto reng\u0117j\u0173, \u0161ios priemon\u0117s tikslai yra sudaryti s\u0105lygas labai ma\u017eoms ir ma\u017eoms \u012fmon\u0117ms bei fiziniams asmenims prad\u0117ti savo versl\u0105; pad\u0117ti socialin\u0117ms \u012fmon\u0117ms pl\u0117toti savo versl\u0105; skatinti verslum\u0105 ir savaranki\u0161k\u0105 u\u017eimtum\u0105, teikiant finansin\u0119 param\u0105 paskol\u0173 forma ir konsultuojant bei mokant pradedan\u010diuosius verslo pagrind\u0173.<\/p>\n

D\u0117l paskol\u0173 gavimo \u012f kredito unij\u0105 pagal gyvenam\u0105, studij\u0173 arba verslo planuojam\u0105 viet\u0105 gali kreiptis \u012fmon\u0117s, kurios veikia iki vieneri\u0173 met\u0173, socialin\u0117s \u012fmon\u0117s ir visi fiziniai asmenys, kurie siekia prad\u0117ti savo versl\u0105.<\/p>\n

Prioritetas teikiamas asmenims iki 29 met\u0173 ir vyresniems nei 50 met\u0173, taip pat asmenims, turintiems invalidum\u0105, bei bedarbiams, kurie per paskutinius 12 m\u0117nesi\u0173 buvo registruoti darbo bir\u017eoje.<\/p>\n

\u0160ilut\u0117je steigia \u012fvairius verslus<\/strong><\/p>\n

\u0160ilut\u0117s kredito unijos buhalter\u0117 – kasinink\u0117 Tatjana Kuturien\u0117 pasakojo, kad pagal projekt\u0105 \u201eVerslumo skatinimas\u201c i\u0161duotos 25 paskolos<\/a> \u012fvairiai veiklai vykdyti. Tai prekyba drabu\u017eiais, maisto produktais, bald\u0173 gamyba, obuoli\u0173 sul\u010di\u0173 spaudimas, kirpykla, siuvykla, dovan\u0173 parduotuv\u0117, vynin\u0117, automobili\u0173 dali\u0173 prekyba, i\u0161 u\u017esienio pargabent\u0173 automobili\u0173 perpardavin\u0117jimas.<\/p>\n

Pasak jos, tik prad\u0117jus \u012fgyvendinti projekt\u0105 \u201eVerslumo skatinimas\u201c, daug \u0161iluti\u0161ki\u0173 kreip\u0117si galvodami, kad \u0161i\u0105 paskol\u0105 lengva gauti ir pinigus galima bet kur panaudoti. I\u0161 tikr\u0173j\u0173 numatytas labai grie\u017etas tikslinis l\u0117\u0161\u0173 panaudojimas, sudaromas tikslus verslo planas. Visos i\u0161laidos turi b\u016bti pateisinamos s\u0105skaitomis, dokumentais.<\/p>\n

\u0160iomis dienomis \u0160ilut\u0117s kredito unijoje v\u0117l jau\u010diamas aktyvesnis \u017emoni\u0173 dom\u0117jimasis paskol\u0173 gavimo s\u0105lygomis, o paskelbus apie naujas paskol\u0173 lengvatas, parei\u0161k\u0117j\u0173 tikimasi sulaukti ir daugiau.<\/p>\n

\u201eVerslumo skatinimo\u201c programa bus vykdoma iki 2014 m. bir\u017eelio 30 d. Galutinis paskol\u0173 gr\u0105\u017einimo terminas – 2018 m. gruod\u017eio 31 d.<\/p>\n

Nor\u0117dami gauti i\u0161samesn\u0117s informacijos apie param\u0105 smulkiajam verslui i\u0161 projekto \u201eVerslumo skatinimas\u201c, kreipkit\u0117s \u012f \u0160ilut\u0117s kredito unij\u0105, Lietuvinink\u0173 g. 32\/K\u0119stu\u010dio g. 1.<\/p>\n

Spaud\u017eia ir pasterizuoja sultis<\/strong><\/span>
\n\"DSC<\/a>
\n\u201eMes i\u0161spaud\u017eiame tai, k\u0105 j\u016bs u\u017eauginate – be joki\u0173 priemai\u0161\u0173 ar konservant\u0173\u201c, – sako \u201eVerslumo skatinimo\u201c programos paskol\u0105 savo verslui prad\u0117ti gav\u0119 Nida ir Gintautas Balniai. \u0160iluti\u0161kiams jie si\u016blo naujien\u0105 – sul\u010di\u0173 spaudim\u0105\u00a0 ir pasterizavim\u0105 nauja, modernia \u012franga.<\/p>\n

Macik\u0173 kaime, prie kelio \u012f \u017demai\u010di\u0173 Naumiest\u012f, \u012fsik\u016brusiame \u201eObuoli\u0173 ta\u0161ke\u201c sodo vaisiai yra plaunami, trai\u0161komi ir spaud\u017eiami presu. Obuolius galima mai\u0161yti su kitokiais vaisiais ar dar\u017eov\u0117mis. Gautos sultys pasterizuojamos iki 80 laipsni\u0173 ir i\u0161pilstomos \u012f specialius 5 litr\u0173 mai\u0161elius su \u010diaupu. Atv\u0117sintos sultys pakuojamos \u012f kartonines d\u0117\u017eutes, kuriose nepradarytos gali i\u0161stov\u0117ti iki 24 m\u0117nesi\u0173.<\/p>\n

G.Balnys pasakojo, kad j\u0173 verslo id\u0117ja gim\u0117 draugams i\u0161 kito miesto atve\u017eus paragauti taip paruo\u0161t\u0173 sul\u010di\u0173. Sutuoktinius nustebino, kad \u0161ias sultis labai patogu naudoti, jos ner\u016bgsta, pakuot\u0119 lengva atidaryti ir panaudojus v\u0117l u\u017edaryti. Gintautas prisimena, kad anks\u010diau jam yra tek\u0119 i\u0161spaustas sultis kaitinti nam\u0173 s\u0105lygomis ir daugiau to nenor\u0117t\u0173 pakartoti.<\/p>\n

Verslininkai savo veikl\u0105 vykdo nuo rugs\u0117jo m\u0117nesio. I\u0161 \u0160ilut\u0117s kredito unijos Balniai gavo 50 000 Lt param\u0105, u\u017e kuri\u0105 pirko sul\u010di\u0173 spaudimo, pasterizavimo, i\u0161pilstymo \u012frenginius, \u012fsireng\u0117 priestat\u0105.<\/p>\n

Dabar \u201eObuoli\u0173 ta\u0161kas\u201c sulaukia nema\u017eai klient\u0173, nes \u017emon\u0117s brangina savo laik\u0105 – nebenori namuose patys pasterizuoti sul\u010di\u0173.<\/p>\n

\u201eJeigu turi verslo plan\u0105, gerai apgalvok ir imkis j\u012f \u012fgyvendinti. Kaip matote, paramos yra i\u0161 kur sulaukti\u201c, – nesiry\u017etantiems savo verslo prad\u0117ti pataria G.Balnys.<\/p>\n

\"Ramoskiene<\/a>Gamina namin\u012f vyn\u0105<\/strong><\/span><\/p>\n

Tatjana ir \u010ceslovas Ramo\u0161kos i\u0161 \u0160v\u0117k\u0161nos seni\u016bnijos \u017dagatpurvi\u0173 kaimo – vieni pirm\u0173j\u0173 \u016bkinink\u0173 Lietuvoje, \u012fgij\u0119 licenzij\u0105 naminiam vynui gaminti.\u00a0 I\u0161 avie\u010di\u0173, juod\u0173j\u0173 serbent\u0173, svaraini\u0173, obuoli\u0173, aronij\u0173 pagamint\u0105 vyn\u0105 jie tiekia \u012f specializuotas parduotuves ir restoranus Vilniuje, Kaune, Klaip\u0117doje, Druskininkuose, Panev\u0117\u017eyje. Visai neseniai Ramo\u0161k\u0173 vynu prad\u0117ta prekiauti ir \u0160ilut\u0117je.<\/p>\n

T.Ramo\u0161kien\u0117 pasakojo, kad \u0161io verslo id\u0117j\u0105 jie brandino labai ilgai. Apie \u201eVerslumo skatinimo\u201c program\u0105 ji su\u017einojo atsitiktinai, nar\u0161ydama internete. 2012 m. Ramo\u0161kos kreip\u0117si \u012f \u0160ilut\u0117s kredito unij\u0105 ir pakankamai greitai gavo paskol\u0105 savo verslui pl\u0117toti.<\/p>\n

\u201ePaskolos gavimas priklauso nuo to, kiek rimtas yra verslo planas, nes specialistai vertina, ar tai yra rizikinga, ar ma\u017eiau rizikinga veikla, ar bus tikslingai panaudoti pinigai\u201c, – sako verslinink\u0117.<\/p>\n

Paskolos jie \u0117m\u0117 tiek, kiek reikia – 40 000 Lt. Dal\u012f pinig\u0173 investavo \u012f pastato renovacij\u0105 – pritaik\u0117 vyno gamybai. Kitas l\u0117\u0161as panaudojo specialioms statin\u0117ms \u012fsigyti, kuriose vyksta fermentacija ir vyno brandinimas.<\/p>\n

T.Ramo\u0161kien\u0117 teig\u0117, kad 95 proc. pal\u016bkan\u0173 kompensavimas yra did\u017eiul\u0117 parama verslui, kas ketvirt\u012f gr\u0105\u017eintas pal\u016bkanas jie naudoja kito m\u0117nesio paskolos dengimui.<\/p>\n

\u201eJeigu tik galvosi, svajosi ir nieko nedarysi, tai bus lygu nuliui. Jeigu yra verslo \"ESmin\u010di\u0173, turi b\u016bti paskai\u010diuotas, pasvertas kiekvienas \u017eingsnis\u201c, – pradedantiesiems verslininkams pataria T.Ramo\u0161kien\u0117.<\/p>\n

Daugiau: verslo paskolos<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

J\u016bs\u0173 galvoje kirbena verslo planas, ta\u010diau stokojate finansini\u0173 i\u0161tekli\u0173 j\u012f \u012fgyvendinti? Svarbu tur\u0117kite pakankamai ry\u017eto nukeliauti \u012f \u0160ilut\u0117s kredito unij\u0105, kuri pad\u0117s j\u016bs\u0173 svajonei realizuotis. Lietuvos kredito unij\u0173 vykdomas projektas \u201eVerslumo skatinimas\u201c i\u0161 Verslumo skatinimo fondo teikia paskolas pradedantiesiems ir neseniai veikl\u0105 prad\u0117jusiems verslininkams. Did\u017eiausia galima paskolos suma siekia 86 000 Lt. Vienas did\u017eiausi\u0173 privalum\u0173 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-15479","post","type-post","status-publish","format-standard","category-aktualijos"],"yoast_head":"\nKredito unij\u0173 paskolos padeda \u012fgyvendinti verslo id\u0117jas - \u0160ilut\u0117s naujienos<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.silutesnaujienos.lt\/lt\/kredito-uniju-paskolos-padeda-igyvendinti-verslo-idejas\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredito unij\u0173 paskolos padeda \u012fgyvendinti verslo id\u0117jas - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"J\u016bs\u0173 galvoje kirbena verslo planas, ta\u010diau stokojate finansini\u0173 i\u0161tekli\u0173 j\u012f \u012fgyvendinti? Svarbu tur\u0117kite pakankamai ry\u017eto nukeliauti \u012f \u0160ilut\u0117s kredito unij\u0105, kuri pad\u0117s j\u016bs\u0173 svajonei realizuotis. Lietuvos kredito unij\u0173 vykdomas projektas \u201eVerslumo skatinimas\u201c i\u0161 Verslumo skatinimo fondo teikia paskolas pradedantiesiems ir neseniai veikl\u0105 prad\u0117jusiems verslininkams. Did\u017eiausia galima paskolos suma siekia 86 000 Lt. 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