{"id":15613,"date":"2014-07-15T13:00:00","date_gmt":"2014-07-15T15:00:00","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/kredito-unija-patikimas-verslo-pradzios-ramstis\/"},"modified":"2014-07-15T13:00:00","modified_gmt":"2014-07-15T15:00:00","slug":"kredito-unija-patikimas-verslo-pradzios-ramstis","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/kredito-unija-patikimas-verslo-pradzios-ramstis\/","title":{"rendered":"Kredito unija – patikimas verslo prad\u017eios ramstis"},"content":{"rendered":"

\"VERSLAS<\/a>\u0160ilut\u0117s kredito unija pagal Europos socialinio fondo finansuojam\u0105 projekt\u0105 \u201eVerslumo skatinimas\u201c jau i\u0161dav\u0117 34 paskolas \u012fvairiai veiklai vykdyti. Paskol\u0173 bendra suma – 1 mln. 558 t\u016bkst. lit\u0173.<\/strong> <\/p>\n

\u0160ilut\u0117s kredito unija yra viena i\u0161 57 Lietuvos kredito unij\u0173, kurios s\u0117kmingai dalyvauja Europos S\u0105jungos strukt\u016brini\u0173 fond\u0173 remiamame projekte \u201eVerslumo skatinimas\u201c ir i\u0161 Verslumo skatinimo fondo teikia paskolas pradedantiesiems ir neseniai veikl\u0105 prad\u0117jusiems (iki 1 met\u0173) 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

Remia ES strukt\u016briniai fondai<\/strong><\/p>\n

Verslumo skatinimo fondas (VSF) buvo \u012fsteigtas 2009 m. gruod\u017eio pabaigoje Socialin\u0117s apsaugos ir darbo (SADM), Finans\u0173 ministerij\u0173 bei UAB \u201eInvesticij\u0173 ir verslo garantijos\u201c (INVEGA) pasira\u0161yta tri\u0161ale sutartimi. Pagal \u0161\u012f projekt\u0105 mikrokreditus smulkiesiems verslininkams teikia Lietuvos kredito unijos. L\u0117\u0161os Verslumo skatinimo fondui skirtos i\u0161 SADM administruojamos \u017dmogi\u0161k\u0173j\u0173 i\u0161tekli\u0173 pl\u0117tros veiksm\u0173 programos Finans\u0173 in\u017einerijos priemon\u0117s \u201eVerslumo skatinimas\u201c.   Nuo 2013 met\u0173 rugpj\u016b\u010dio 27 d. Verslo skatinimo paramos gav\u0117jams \u012fsigaliojo naujov\u0117 – papildomai kompensuojamas ir darbo u\u017emokestis (jeigu yra samdomi \u017emon\u0117s). Kas m\u0117nes\u012f kompensuojama ne daugiau kaip 75 proc. darbo u\u017emokes\u010dio ir i\u0161 viso \u0161ioms reikm\u0117ms kiekvienai \u012fmonei gali b\u016bti paskirta nuo 20 000 iki 25 000 Lt.<\/p>\n

I\u0161 viso 2007-2013 met\u0173 ES stukt\u016brin\u0117s paramos laikotarpiu \u0161iam projektui \u012fgyvendinti visoje Lietuvoje skirta 50 milijon\u0173 lit\u0173.
Pasak \u0160ilut\u0117s KU buhalter\u0117s – kasinink\u0117s Tatjanos Kuturien\u0117s, \u0160ilut\u0117je did\u017eiausio smulki\u0173j\u0173 verslinink\u0173, prad\u0117jusi\u0173 versl\u0105, susidom\u0117jimo Verslumo skatinimo fondo parama sulaukta 2013 metais. Per tuos metus buvo i\u0161duotos 25 paskolos.
\"VERSLAS<\/a>
O \u0161iemet per pirm\u0105j\u012f pusmet\u012f i\u0161duotos 9 lengvatin\u0117s paskolos. Pradedantieji verslininkai paskolas \u0117m\u0117 gro\u017eio salonams \u012frengti, buhalterin\u0117s apskaitos paslaugoms teikti, picerijai \u012frengti, ma\u017emeninei ir didmeninei gyvuli\u0173 pa\u0161ar\u0173 prekybai organizuoti ir netgi \u012fkurti internetin\u0119 parduotuv\u0119. <\/p>\n

Pad\u0117jo \u012fgyvendinti svajon\u0119<\/strong><\/p>\n

\u0160iluti\u0161ki\u0173 Renatos ir Aivaro Kislink\u0173 verslas prasid\u0117jo nes\u0117kme, \u012fk\u016brus g\u0117li\u0173 salon\u0105 \u0160ilal\u0117je. Tuomet atrod\u0117, kad ten tokios paslaugos tr\u016bksta, ir floristikos verslas greit suklest\u0117s. Ta\u010diau po keli\u0173 m\u0117nesi\u0173 veiklos verslininkai suprato, kad \u0161ilali\u0161ki\u0173 poreikiai visai kitokie nei \u0161iluti\u0161ki\u0173.<\/p>\n

Tod\u0117l Kislinkai nusprend\u0117 \u0160ilal\u0117je prad\u0117t\u0105 g\u0117li\u0173 salono versl\u0105 perkelti \u012f \u0160ilut\u0119 ir pakeisti paslaug\u0173 turin\u012f bei kokyb\u0119. \u0160iam sumanymui \u012fgyvendinti pasitarnavo \u0160ilut\u0117s kredito unijos suteikta lengvatin\u0117 50 t\u016bkst. lit\u0173 paskola i\u0161 Verslumo skatinimo fondo.<\/p>\n

R.Kislinkien\u0117 jau buvo i\u0161band\u017eiusi nema\u017eai kitos veiklos. Pasak jos, darbovietes keitusi tol, kol i\u0161band\u0117 florist\u0117s darb\u0105. Dabar 4 met\u0173 florist\u0117s patirt\u012f turinti verslinink\u0117 d\u017eiaugiasi jau atradusi savo viet\u0105 gyvenime. \u0160ilut\u0117je \u012fk\u016brusi g\u0117li\u0173 salon\u0105 \u201eMeilen\u0117\u201c, \u0161eiminink\u0117 prekiauja skintomis g\u0117l\u0117mis, kuria puok\u0161tes, augal\u0173 kompozicijas, pirk\u0117jams si\u016blo daug \u012fvairiausi\u0173 interjero puo\u0161men\u0173, dovan\u0117li\u0173, puo\u0161ia interjer\u0105 i\u0161kilmi\u0173 vietose.<\/p>\n

Kalb\u0117dama apie \u0160ilut\u0117s kredito unijos suteikt\u0105 ir ES strukt\u016brini\u0173 fond\u0173 remiam\u0105 lengvatin\u0119 paskol\u0105, R.Kislinkien\u0117 sak\u0117, kad tos l\u0117\u0161os pad\u0117jo \u012fgyvendinti jos svajon\u0119 – i\u0161vystyti savo versl\u0105. Lengvatin\u0117s paskolos palanki s\u0105lyga yra ta, kad paskola suteikta 5 metams, o 95 proc. pal\u016bkan\u0173 kompensuoja INVEGA. Be to, unijos vadybinink\u0117 T.Kuturien\u0117 paskatino ir pad\u0117jo parengti dokumentus gauti kompensacij\u0105 u\u017e naujai \u012fsteigtas darbo vietas. Tod\u0117l jau yra reali viltis, jog \u012fmonei bus kompensuota apie 20 t\u016bkst. lit\u0173 toki\u0173 i\u0161laid\u0173.<\/p>\n

R.Kislinkien\u0117 su vyru Aivaru svarsto, kad kredit\u0105 gal\u0117s gr\u0105\u017einti netgi grei\u010diau, nei numatyta sutartyje, – gal per trejus metus.<\/p>\n

R.Kislinkien\u0117s nuomone, \u017emon\u0117s, kurie turi id\u0117j\u0173 ir nori jas \u012fgyvendinti, tikrai tur\u0117t\u0173 pasinaudoti Verslumo skatinimo fondo parama, apsilankyti \u0160ilut\u0117s kredito unijoje ir i\u0161d\u0117styti savo verslo plan\u0105. Tada gali atsirasti galimyb\u0117 gauti param\u0105.<\/p>\n

Pakeit\u0117 verslo lyg\u012f<\/strong><\/p>\n

Du jauni \u0160ilut\u0117s verslininkai Valdemaras Ma\u017eutis ir Mantas Veryga dabar vadovauja savo sukurtai UAB \u201eValdvera\u201c, o anks\u010diau kelerius metus dirbo prekybos vadybininkais.\"TATJANA\"<\/a>
Sukaup\u0119 pakankamai to darbo patirties, vaikinai nusprend\u0117 steigti savo \u012fmon\u0119 ir prie\u0161 pusantr\u0173 met\u0173 \u0160iluteje atidar\u0117 parduotuv\u0117l\u0119. Ta\u010diau abu greitai suprato, jog ma\u017emenin\u0117 prekyba – ne j\u0173 u\u017emojams. O norint \u0160ilut\u0117je \u012fsteigti didmenin\u0117s ir ma\u017emenin\u0117s prekybos centr\u0105, reik\u0117jo apyvartini\u0173 l\u0117\u0161\u0173. Pastangos gauti paskol\u0105 komerciniuose bankuose atsimu\u0161\u0117 kaip \u012f sien\u0105 – n\u0117 met\u0173 veiklos patirties neturin\u010diai \u012fmonei joks bankas paskolos neteikia.<\/p>\n

Tuomet pravert\u0117 seminare i\u0161girsta informacija apie Verslumo skatinimo fondo param\u0105, kuri\u0105 galima gauti per kredito unij\u0105.
Verslininkai sak\u0117 nesitik\u0117j\u0119, kad \u0160ilut\u0117s kredito unijoje j\u0173 id\u0117ja pakeisti verslo lyg\u012f taip greit bus suprasta. Per por\u0105 savai\u010di\u0173 kartu su vadybininke T.Kuturiene buvo parengti reikiami dokumentai, parengtas verslo planas, suderinta su INVEGA d\u0117l lengvatini\u0173 pal\u016bkan\u0173 ir gauta 50 t\u016bkst. lit\u0173 paskola.<\/p>\n

V.Ma\u017eutis ir M.Veryga lengvatin\u0119 paskol\u0105, gaut\u0105 per \u0160ilut\u0117s kredito unij\u0105, vadina tiesiog fantastine parama. Jie sako nesitik\u0117j\u0119, jog toki\u0105 sum\u0105 gal\u0117jo pasiskolinti ir mok\u0117ti tik 5 proc. pal\u016bkan\u0173 (nes 95 proc. pal\u016bkan\u0173 kompensuoja INVEGA). Dar didesn\u0117 parama buvo gauta, kai ta pati INVEGA kompensavo 25 t\u016bkst. lit\u0173 i\u0161laid\u0173, kurios buvo panaudotos nauj\u0173 \u012f darb\u0105 priimt\u0173 darbuotoj\u0173 atlyginimams kompensuoti. Verslininkai \u0161i\u0105 param\u0105 vertina kaip netik\u0117t\u0105 dovan\u0105 – juk ji lygi pusei paskolos sumos.<\/p>\n

Be to, pasak V.Ma\u017eu\u010dio ir M.Verygos, ie\u0161kodami geresni\u0173 s\u0105lyg\u0173 kreditui gauti, jie atrado ir kredito unij\u0105, apie kuri\u0105 anks\u010diau ma\u017eai \u017einojo. Dabar su \u0161ia \u012fstaiga sieja vieneri\u0173 met\u0173 puikus bendradarbiavimas. \u017davi ne tik paslaug\u0173 vykdymo lankstumas, bet ir \u0161ilti, \u017emogi\u0161ki santykiai.<\/p>\n

\u201eKredito unijos vadybininkai akivaizd\u017eiai turi daugiau laisv\u0117s ir kompetencijos, kad pad\u0117t\u0173 klientui, nei yra tek\u0119 patirti kitur\u201c, – sako jaunieji verslininkai.<\/p>\n

\u0160ilut\u0117s turgaviet\u0117je \u012fkurtame UAB \u201eValdvera\u201c ma\u017emenin\u0117s ir didmenin\u0117s prekybos centre \u201eTurgaus urmas\u201c dabar galima \u012fsigyti apie 3000 pavadinim\u0173 preki\u0173, kuri\u0173 \"ESkainos niekuo nesiskiria nuo esan\u010di\u0173 didmenin\u0117je prekyboje. Verslininkai sudar\u0117 s\u0105lygas \u016bkininkams, prekiaujantiems savo u\u017eaugintais produktais, prekiauti ne tik turgaus dienomis, bet ir kiekvien\u0105 darbo dien\u0105.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0160ilut\u0117s kredito unija pagal Europos socialinio fondo finansuojam\u0105 projekt\u0105 \u201eVerslumo skatinimas\u201c jau i\u0161dav\u0117 34 paskolas \u012fvairiai veiklai vykdyti. Paskol\u0173 bendra suma – 1 mln. 558 t\u016bkst. lit\u0173. \u0160ilut\u0117s kredito unija yra viena i\u0161 57 Lietuvos kredito unij\u0173, kurios s\u0117kmingai dalyvauja Europos S\u0105jungos strukt\u016brini\u0173 fond\u0173 remiamame projekte \u201eVerslumo skatinimas\u201c ir i\u0161 Verslumo skatinimo fondo teikia paskolas […]<\/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-15613","post","type-post","status-publish","format-standard","category-aktualijos"],"yoast_head":"\nKredito unija - patikimas verslo prad\u017eios ramstis - \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-unija-patikimas-verslo-pradzios-ramstis\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredito unija - patikimas verslo prad\u017eios ramstis - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"\u0160ilut\u0117s kredito unija pagal Europos socialinio fondo finansuojam\u0105 projekt\u0105 \u201eVerslumo skatinimas\u201c jau i\u0161dav\u0117 34 paskolas \u012fvairiai veiklai vykdyti. Paskol\u0173 bendra suma – 1 mln. 558 t\u016bkst. lit\u0173. \u0160ilut\u0117s kredito unija yra viena i\u0161 57 Lietuvos kredito unij\u0173, kurios s\u0117kmingai dalyvauja Europos S\u0105jungos strukt\u016brini\u0173 fond\u0173 remiamame projekte \u201eVerslumo skatinimas\u201c ir i\u0161 Verslumo skatinimo fondo teikia paskolas […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.silutesnaujienos.lt\/lt\/kredito-unija-patikimas-verslo-pradzios-ramstis\/\" \/>\n<meta property=\"og:site_name\" content=\"\u0160ilut\u0117s naujienos\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/silutes.naujienos\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-07-15T15:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"\/\/silutesnaujienos.lt\/images\/stories\/2014\/LIEPA\/15\/thumbnails\/thumb_VERSLAS_KU_3.jpg\" \/>\n<meta name=\"author\" content=\"\u0160ilut\u0117s naujien\u0173 inf.\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u0160ilut\u0117s naujien\u0173 inf.\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/kredito-unija-patikimas-verslo-pradzios-ramstis\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/kredito-unija-patikimas-verslo-pradzios-ramstis\\\/\"},\"author\":{\"name\":\"\u0160ilut\u0117s naujien\u0173 inf.\",\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/#\\\/schema\\\/person\\\/976440ef837444400af3c77c19c61454\"},\"headline\":\"Kredito unija – patikimas verslo prad\u017eios ramstis\",\"datePublished\":\"2014-07-15T15:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/kredito-unija-patikimas-verslo-pradzios-ramstis\\\/\"},\"wordCount\":1008,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/#organization\"},\"articleSection\":[\"Aktualijos\"],\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/kredito-unija-patikimas-verslo-pradzios-ramstis\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/kredito-unija-patikimas-verslo-pradzios-ramstis\\\/\",\"url\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/kredito-unija-patikimas-verslo-pradzios-ramstis\\\/\",\"name\":\"Kredito unija - 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