December 6, 2007

We 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:

  • Serving 97% low-income clients versus the average of our peers which served approximately 80% low-income
  • 12% of our client population reported a disability compared to an average of 4% our peer group
  • 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.

HOT TOPICS

Women’s Business Center designation celebrated at Women’s Initiative Concord graduation

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

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:

  • Up to 35,100 in state income tax credits for each qualified employee hired over 5 years.
  • Sales and use tax credits on purchases of qualified machinery an parts, including computers, data processing and telecommunications equipment
  • Up-front expensing of certain depreciable property
  • Application of unused tax credits to future tax credits
  • Up to 100% net operating loss carry forward
  • 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

 

 
GRADUATE SPOTLIGHT

Gabriela Ramirez
Owner of Mom, Son, & Daughters Tables and Chairs Renting

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

EVENTS

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.

 

 

IN THE NEWS

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.

 
RESOURCES & OPPORTUNITIES

Visit the Women's Initiative blog to read entries by graduate Tracy Watson, owner of Our World Books