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Volume 2 of the HP Success Story Booklet


  • B e s t P r a c t i c e sB e s t P r a c t i c e s i n T e c h n o l o g y a n d M i c r o e n t e r p r i s ei n T e c h n o l o g y a n d M i c r o e n t e r p r i s e

    Volume 2Volume 2


  • 1601 N. Kent StreetSuite 1101Arlington, VA 22209Phone 703.841.7760 Fax 703.841.7748Email [email protected] www.microenterpriseworks.org

    2006, Association for Enterprise Opportunity All rights reserved.

    " W i t h t h e i n c r e a s i n g u s e o f t e c h n o l o g y i n t h e

    m i c r o e n t e r p r i s e f i e l d , w e ' v e s e e n t h e e x p a n s i o n

    o f e - c o m m e r c e , v i r t u a l m a l l s a n d i n c u b a t o r s ,

    a n d o p p o r t u n i t i e s f o r r e a l t i m e t r a n s a c t i o n s .

    H P i s p l e a s e d t o p l a y a p a r t i n e n s u r i n g t h a t

    t h e o p p o r t u n i t i e s t o i n n o v a t e a r e e x t e n d e d t o

    m i c r o e n t e r p r i s e d e v e l o p m e n t p r a c t i t i o n e r s a n d

    t h e i r c l i e n t s . "

    B e s s S t e p h e n sV i c e P r e s i d e n t , H P P h i l a n t h r o p y a n d E d u c a t i o nH e w l e t t - P a c k a r d C o m p a n y


    I n t r o d u c t i o nIn 2003 the Hewlett-Packard Company experimented with a fi rst year program that provided nine microenterprise development organizations with large grants of computer equipment and some cash grants. The fundamental question posed by HP and AEO in 2003 was:

    If some of the nations fi nest microenterprise development organizations receive a large amount of new state-of-the-art computer technology for their operating infrastructure and for providing technology training to their clients, will it make a difference in helping them to achieve more effective microenterprise practice?

    The answer was a resounding yes as each of the organizations reported solid gains in productivity through technology. Eight of the 2003 HP grantees also began part of a national experiment in adding technology training to the traditional business curriculum training that has been a staple of microenterprise development for more than 15 years. Much of this progress was reported one year ago when AEO published Best Practices in Microenterprise and Technology the Hewlett-Packard Microenterprise Development Program.

    Buoyed by this success and challenged by the more than 520 organizations that applied for the nine grants in 2003, HP ramped up the project in 2004 by awarding 17 HP Microenterprise Development Program (MDP) grants to microenterprise development organizations across the United States and emphasizing the use of the HP equipment to provide technology training to microenterprise clients. Bringing the HP grantees together at the AEO conferences in Philadelphia, Pennsylvania in May 2004 and in Portland, Oregon in May 2005, it became clear that these microenterprise development programs were effectively sharing information and best practices on technology training.

    In this edition of "Best Practices in Microenterprise and Technology" we share some of the innovative work that is being done by several 2004 HP MDP grantees in using technology to advance the practice of microenterprise development. In Tucson and Nogales, Arizona the PPEP Microbusiness and Housing Development Corporation (PMHDC) made the transition from a credit-led program that had never provided technology training, to one offering technology classes in Spanish to microentrepreneurs who had no computer experience. PMHDC now has waiting lists for the classes.

    In Madison and Milwaukee, Wisconsin the Wisconsin Womens Business Initiative Corporation began providing business planning training with HP Tablet PCs to clients who are deaf or have hearing or vision impairments.

    One of the nations largest and best known microenterprise development organizations, ACCION USA based in Boston, Massachusetts is now using technology to provide microloans to men and women microentrepreneurs across the United States through their Online Loan Application (OLA).

    AEO is pleased to bring you details and contact information on these best practices in microenterprise and technology in this booklet. We know that it helps to provide a human face to this work, so we also included some stories about microentrepreneurs who have been touched by the dedicated work of some of these microenterprise development programs.

    We want to emphasize that a microenterprise development program does not need to be an HP grantee to provide technology training to its clients. We are fi nding that relatively small expenditures of funds for laptop or desktop computers can provide an agency with the ability to begin offering technology classes on-site or in a mobile setting.

    AEO is committed to continuing to support and report on the progress being made with HP grantees on technology and microenterprise. We salute the Hewlett-Packard Company for their pioneering leadership in providing an unprecedented $8.1 million dollars in grants to microenterprise development programs in the United States over the past three years.

    Bill Edwards and Zulma BiancaFebruary 2006


    ACCION USA Boston, MA

    BiGAustinAustin, TX

    Community First FundLancaster, PA

    Community Ventures CorporationLexington, KY

    Economic and Community Development InstituteColumbus, OH

    The Edge Connection (formerly Cobb Microenterprise Center)Kennesaw, GA

    Jefferson Economic Development InstituteMount Shasta, CA

    Micro Business DevelopmentDenver, CO

    Neighborhood Development CenterSaint Paul, MN

    PPEP Microbusiness and Housing Development Corporation, a Member of the Opportunity Finance NetworkTucson, AZ

    Silicon Valley Economic Development CorporationSan Jose, CA

    South Bronx Overall Economic Development CorporationBronx, NY

    Washington CASHSeattle, WA

    WESST CorpAlbuquerque, NM

    Wisconsin Womens Business Initiative CorporationMilwaukee, WI

    Womens Initiative for Self-EmploymentSan Francisco, CA

    Womens Self-Employment ProjectChicago, IL

  • B e s t P r a c t i c e s i n T e c h n o l o g y a n d M i c r o e n t e r p r i s e




    A very common service of many microenterprise development organizations (MDOs) is the provision of training to microentrepreneurs. Classes and workshops on how to start a business, market effectively, conduct research and stay competitive are among the topics found on the class rosters of countless microenterprise development programs across the country. Less common are those organizations that are utilizing technology in those classes. By creatively integrating the use of technology into microenterprise training, MDOs can help close the digital divide while teaching their clients the importance of and the need for technology in running their businesses.

    Equipped with new state-of-the-art HP technology, several HP Microenterprise Development Program (MDP) grantees did just that.

    Business Investment Growth (BiGAustin) in Austin, Texas integrated technology into its 35-hour, seven-week Start Smart Program. BiGAustin decided to integrate technology into the sessions on market research, as this was the area identifi ed as the most diffi cult for clients. Before the HP MDP grant and BiGAustins technology, clients had diffi culty accessing appropriate and accurate information for their business research. BiGAustin would provide clients with direction and clients would do their research at various off-site locations. The research submitted by clients was often disorganized and incomplete. Since the integration of technology into the Start Smart Program, clients are able to do their market research on-site and receive the benefi t of BiGAustins guidance and assistance.

    Believing that technology skills are a part of each entrepreneurs success, BiGAustin now monitors each students computer skills and as a result has started to offer classes in basic Microsoft Excel and Word, and Internet navigation.

    The addition of technology training into the curriculum did not increase the number of hours of the curriculum. It was the technology itself that made this possible. Students were able to do their homework on computers at our offi ce instead of on pen and paper, etc. Jeannette Peten, President, BiGAustin


    B e s t P r a c t i c e s



    Satisfi ed with the Core Four curriculum it has been delivering for the past three years, Community First Fund (CFF) in Lancaster, Pennsylvania decided that an effective strategy would be to incorporate technology into each module of the eight-week Core Four curriculum. Modules cover basic business operations, fi nancial planning, marketing and business plan development.

    While it was time consuming to develop the technology component and practice exercises for each module, CFF feels that it was worth the effort. As a result of the integration, clients now receive hands-on technology access in a variety of areas. For example, during the basic business operations module, students not only learn but also practice using the computer to research market conditions and develop marketing plans. During the fi nancial planning module, they learn to create fi nancial spreadsheets. Their class time is enhanced by access to the CFF Client Computer Lab, which all students are encouraged to visit in order to practice what they have learned in between class sessions, and to develop their business plans.

    This integration of technology into the proven Core Four curriculum has allowed CFF to leverage its technology resources to benefi t client needs.

    We fi nd that class discussion is signifi cantly more focused and clients are much more prepared to move forward with business planning since they have had so much hands on practice with the technology. Miriam Soto, Director of Training, Community First Fund

    Silicon Valley Economic Development Corporation (SVED) has developed an integrated business and technology training program thanks to its HP MDP grant. The Institute for Entrepreneurship Training consists of a series of classes that is customized for each client. Clients begin by taking a Microsoft Word Client Self-Assessment, which provides information on the clients technology skills. Based on the results of the assessment, individuals select which technology classes they need.

    Clients have the opportunity to choose from a variety of courses, from basic computer classes in Microsoft Excel and Word, to those covering small business topics including business plans, marketing, pricing and more. In addition to English, classes are also offered in Spanish and Vietnamese to meet the needs of SVEDs immigrant population. A major piece of the integrated approach also includes fi nancial literacy training.

    Upon completing the integrated program, clients have the ability to develop spreadsheets, documents and email messages, as well as conduct Internet research and develop marketing materials. The program gives individuals an intellectual and skills-based toolkit to help them launch or grow their microenterprise.

    The HP Microenterprise Development Program has allowed SVED to take our organization to the next level of serving both old and new clients. Through access

    to 'hands-on' technology, we are able to provide underserved refugee and immigrant communities with opportunities to learn and enhance their businesses through the many tools technology offers. Jennie Z. Meehan, President and CEO, Silicon Valley Economic Development Corporation

    B e s t P r a c t i c e s




    WESST Corp, which has fi ve offi ces in New Mexico, has seen an increase in class attendance due to new and improved courses and curriculum.

    WESST has integrated technology into its Precision Marketing class which introduces entrepreneurs to the advantages of data mining. Data mining refers to knowledge discovery in databases, which can help entrepreneurs analyze business transactions if they happen to use a database to track their customers. Class sessions include training in Microsoft Excel and other databases. The Finding Your Customers class also incorporates elements of Microsoft Excel as well as advanced Geographic Information Systems (GIS) applications from software company ESRI. With GIS software clients learn to assess site location, customer trading areas and other information helpful to their businesses.

    WESST also enhanced both its traditional six-week marketing class and business plan classes by integrating access to technology.

    In an effort to address the large defi ciency in technology training offered to low-income women, the Womens Initiative for Self-Employment integrated technology into every aspect of its basic business concepts and fi nance courses. By weaving technology into the existing curriculum, clients were better able to understand the practical applications of technology in running successful, small businesses.

    Womens Initiative developed Avance con Tecnologa (Advance with Technology), a 2.5 hour per month course that runs for fi ve months. The class is offered in Spanish to address the needs of the organizations large Spanish-speaking client base. One unique aspect of the class is that it was designed by clients and volunteers, therefore ensuring that the program meets clients needs. An interesting and unexpected benefi t of this has been the intergenerational exchange that occurs when teenagers accompany their mothers to the classes. Having been exposed to technology in school, the teenagers can help their mothers use the computers. At the same time, they learn about fi nancial management and basic business concepts. This has been a mutually benefi cial opportunity for parents and children.

    Interestingly, Womens Initiative also found that there was a correlation between its integrated technology program and its loan program. Women who took the integrated class were more likely to apply for loans to purchase their own computers. This has had a positive effect on the organizations loan program.

    Womens Initiative has transformed the way it teaches business in our organization by incorporating technology into every class. Every graduate not only has a business plan on the computer, an email, experience with the web and software products, but many of them also have gotten a loan for a computer that they now have in their businesses. We are [also] able to communicate through emails with our graduates so they are up to date on what we offer, new business tips and the business community opportunities. Julie Abrams, Executive Director, Womens Initiative for Self-Employment


    B e s t P r a c t i c e s

    WESST Corp



    B e s t P r a c t i c e s

    Among the most challenging work in U.S. microenterprise development is the work that is done in rural America. Not only do rural microenterprise development organizations face challenges due to distance, but also funding and other capacity issues as well. However, those are not always the biggest challenges these organizations face.

    Located in a rural, remote region of Northern California, one would think that the Jefferson Economic Development Institutes (JEDI) greatest challenge in offering technology training to clients would be its location. However, JEDI found that helping clients realize the importance of technology in their businesses and providing state-of-the-art facilities and training proved to be more challenging than its location. The solution to the challenge began when JEDI was awarded the HP Microenterprise Development Program grant. With the technology in hand, JEDI began work on the training.

    JEDI developed a comprehensive three-pronged approach for helping entrepreneurs gain technology skills and apply those skills to their businesses. The approach includes group training (via seminars), open learning (through open lab time) and individual consulting. JEDIs computer training center offers a variety of technology training topics and a business incubation center. There is also an emphasis on e-commerce and access to markets activities. Not only has JEDI developed a number of technology classes, it has also incorporated technology curriculum elements into its core business planning course.

    Thanks to the HP technology JEDI has been able to develop an environment where microentrepreneurs can increase their skills and build their confi dence in using technology, and understand the impact and power of technology in their businesses. The focus on technology at the center has helped many clients to embrace it and more and more businesses are providing new levels of e-commerce on their websites. In addition, as a result of the computer center, JEDI became an approved Volunteer Income Tax Assistance (VITA) site, where low-income people can now receive free tax preparation services.

    The mere existence of a state-of-the-art HP computer training center available to microentrepreneurs developing their businesses in a very rural isolated county is a tremendous asset to the local business community. Nancy Swift, Executive Director, Jefferson Economic Development Institute (JEDI)





    B e s t P r a c t i c e s

    Universities and other institutions of higher education can be excellent partners for microenterprise development organizations (MDOs). Providing resources from interns and mentors, to technology and education, MDOs are wise to consider developing such relationships when possible.

    The HP Microenterprise Development Program grant provided unique opportunities for two of the grantees to expand their university partnerships.

    The Edge Connection (formerly Cobb Microenterprise Center) was searching for a cost-effective way of storing, securing and maintaining its new HP technology while maximizing its newly acquired HP resources. It found the solution it was looking for in its own backyard. Housed at in-kind space in the Continuing Education Building of Kennesaw State University (KSU) donated by the Coles College of KSU, The Edge Connection worked out a partnership arrangement with the Continuing Education Department of KSU to secure additional space for a 19-seat computer lab. The department provided this space to The Edge Connection in exchange for use of the lab for training on alternate days. The Edge Connection agreed and entered into a fi ve-year contract with the department.

    This partnership has allowed The Edge Connection to create a support system that will provide the security and maintenance needed without impacting its budget and without the worries of how to handle mechanical breakdowns, server issues and theft.

    The partnership has been a win-win for both The Edge Connection and KSU. The increased exposure of The Edge Connections lab to clients of KSU Continuing Education has resulted in new clients for the organization and vice versa. The partnership has also been a model for others to follow in terms of successful campus and community partnerships. The Edge Connection and KSU have already been solicited to assist another university in the network to create and sustain a campus and community microenterprise and technology center focused on rural citizens.

    This incredible gift (from HP) afforded us the opportunity to develop a strategic partnership with Kennesaw State University Continuing Education Centers technology division. Our HP equipment has a permanent home in Con Ed [where] it is properly maintained and protected. The cost for this service has zero impact on our budget. Con Ed uses the equipment for training purposes two days a week...What a win-win. Patricia Harris, CEO, The Edge Connection (formerly Cobb Microenterprise Center)

    Thanks to the HP equipment Micro Business Development Corporation (MBD) received, it has been able to improve its MBA mentorship program. MBD recruits MBA students from local universities to work with their clients on various projects. Prior to the HP technology MBD did not have an easy way to involve MBA students in providing direct assistance to MBD clients. However, with the creation of MBDs technology resource center, the organization now has the perfect facility to bring together MBA student mentors and clients. The resource center allows them to work together on hands-on projects. There, students help clients to create marketing materials and fi nancial management forms, create web sites, effectively use email, and more.

    In order for this to be an effective relationship, MBD has found it is important that clients have some technology training prior to becoming involved in the mentoring relationship. This makes for a more positive and productive experience for both the student and the client, allowing them to focus their time together on activities that can have a more direct impact on the clients business while also providing a learning experience for the students.

    The Edge Connection


    B e s t P r a c t i c e s

    INCREASING SCALE OF MICROENTERPRISE WITH SATELLITE LOCATIONSThe infusion of new technology through the HP Microenterprise Development Program allowed two microenterprise development organizations with satellite offi ces to increase their scale. One organization was able to virtually expand its services while the other greatly increased effi ciency and mobility.

    ACCION USA found a unique way to leverage its HP grant. In continued efforts to increase its reach in a cost-effective manner, ACCION USA looked at partnerships as a vehicle through which to expand its services. ACCION USA identifi ed community development organizations in Florida, Georgia and Massachusetts that could provide ACCION USA with qualifi ed referrals to expand its reach in those geographic areas. As an incentive, ACCION USA donated to each partner organization new HP technology a workstation complete with a desktop computer, printer / fax / copier, Internet access and business software. These workstations allowed the partners to offer two additional services to their clients: 1) access to state-of-the-art technology, business software and the Internet, and 2) access to small business loans via ACCION USAs Online Loan Application (OLA). Having the technology on-site enables the partners to provide one-on-one assistance to clients who need help and would have diffi culty in completing the OLA on their own.

    More marketing is needed by ACCION USA and its partners in order to reach the level of scale that it seeks in these geographic regions. However, much progress has been made. From April to December 2005: Five strategic partnerships have been established encompassing seven offi ce locations, and one more partnership is under discussion. 62 referrals have been made to ACCION USA. 20 loans have been approved totaling $68,925.

    Two years ago ACCION USA operated only in select cities and states, specifi cally Atlanta, Miami, Massachusetts and Rhode Island. Thanks to the HP Microenterprise Development Program, however, we have been able to leverage HP technology to create strategic partnerships and build our Online Loan Application. Therefore, we can now provide our lending services to microentrepreneurs not only throughout Georgia and Florida but nationwide as well. Lily Leavitt, Director of Operations, ACCION USA




    B e s t P r a c t i c e s


    Community First Fund (CFF) boasts increased scale and effi ciencies in its microlending since receiving its HP technology grant. Infrastructure upgrades which included the addition of an Exchange server, shared Microsoft Offi ce software, installation of broadband and wireless access and mobile technology have accelerated CFFs development signifi cantly by linking its satellite offi ces in York, Harrisburg and Reading with its home offi ce in Lancaster, Pennsylvania. The new centrally-integrated CFF technology proved to be very effi cient when CFF planned the opening of its newest satellite offi ce in Chester County.

    Serving a ten county area of central Pennsylvania, the ability to access fi les and documents from a variety of sites has allowed staff to be more mobile and increase time spent counseling clients. It has also saved staff considerable travel time as it is no longer necessary to travel to the central offi ce to access software for loan documentation and printing. The central server has also been a time saver by allowing the staff loan committee to share loan presentations electronically via a PDF fi le rather than sending multiple emails and requiring staff to download and print all documents.

    CFFs comprehensive infrastructure is positively impacting all areas of programs and operations. Its next step is to develop an online loan application for clients.

    The integration and centralization of our technology in our Lancaster offi ce linked to our satellite offi ces has put us so far ahead CFF staff are able to spend more time with our clients. We have had great increases in effi ciency; an organization like ours trying to reach a dispersed population in the large part of central Pennsylvania that we serve could not make the gains it has made without this technology infrastructure in place. The growth in the use of technology at CFF has really transformed our agency and our ability to provide microenterprise services. Dan Betancourt, President and CEO, Community First Fund


  • 11


    B e s t P r a c t i c e s


    Incorporating technology training into any microenterprise development organization (MDO) can be a challenge. Developing the proper curriculum or integrating technology in just the right way can be diffi cult and time consuming for even the most experienced training-led MDO. Imagine the added obstacles presented when a credit-led organization attempts to do the same. One such HP Microenterprise Development Program (MDP) grantee, committed to provide technology training to its clients, rose to the challenge.

    As a credit-led organization, PPEP Microbusiness and Housing Development Corporation (PMHDC) in Tucson, Arizona was not accustomed to providing classroom training to its clients; however, the technology received through the HP MDP along with the support of training funds received from PRIME (the Small Business Administrations Program for Investment in Microentrepreneurs) provided an opportunity for the organization to expand into this arena. PMHDC was concerned that its clients were not taking advantage of a new loan product available for technology purchases. Loans of up to $2500 with 0% interest were being offered to clients for the purchase and/or upgrade of technology; however, the funds were going untouched. A quick survey of clients revealed that clients were not accessing these loans due to their fear of technology. Many clients did not even own a computer.

    To address the issue, PMHDC proceeded to create a computer course to help its majority Spanish speaking clients get over their fear of technology. Microbusiness Technology Tools for Success: A Primer for Basic Concepts in Computer 101 was created as a 12-hour (one hour per week for three months), hands-on class. However, the challenges did not end simply by creating the class. PMHDC had to address the problem of clients not attending the class. Having not attended school in so many years, many clients were intimidated by the classroom setting. PMHDC modifi ed its training environment by conducting classes in computer labs rather than traditional classrooms. PMHDC also had to offer the classes during the evenings since most clients were operating their businesses during the day. Finally, due to the low reading and comprehension level of many of its clients, PMHDC completely redesigned the training curriculum in order to make it simple enough for clients to understand.




    B e s t P r a c t i c e s


    As if providing technology training in English does not prove diffi cult enough, several HP Microenterprise Development Program grantees have chosen to offer technology training in other languages to their clients, particularly in Spanish. Three grantees used somewhat different approaches.

    Micro Business Development Corporation (MBD) developed a curriculum for its Spanish speaking clients. While free computer use is available to these clients within the community, it is rare to fi nd that access along with hands-on training in their own language. Clients see this is a huge benefi t. The classes were fi rst taught by a local undergraduate student from Mexico City and are now taught by MBD staff.

    MBD translated its English technology trainings into Spanish and also created and tailored new pieces of the curriculum specifi cally for this target market. In terms of the translation, MBD found that it is more practical for Spanish speaking clients to learn some of the program and computer terms in English, as there is either no direct Spanish translation, or the Spanish equivalent is old and no longer used. Referencing certain computer terms in English has also made it easier for clients when asking questions.

    For those clients who need to generate materials for their businesses faster than they can gain the technology skills to do so, MBD has recruited bi-lingual mentors who are available to assist Spanish-speaking clients to create fl yers, business cards, etc. This one-on-one help also provides the clients with individual training on the technology.

    WESST Corp translated its Microsoft Offi ce and bookkeeping classes into Spanish. The classes are offered monthly as two-hour sessions. WESST has learned that in translating curriculum it is very important to adapt it to the cultural and educational needs of the clients. Relevant examples are used with the clients to help them understand how they can apply what they are learning to their businesses. The classes are taught by staff as well as a contract teacher.

    Spanish speaking WESST clients have benefi ted most from learning to use the Internet and email as well as learning to use bookkeeping software to manage the accounting of their businesses.

    PPEP Microbusiness and Housing Development Corporation (PMHDC) also found the need to offer its technology training in Spanish due to its large Spanish speaking client base. The fi rst challenge PMHDC faced was in translating the curriculum. Computer language and terminology does not translate easily into Spanish. PMHDC went through several iterations of the Spanish curriculum before its meaning was the same as the English version.

    Another challenge was in fi nding appropriate instructors that could understand the curriculum, translate it and effectively and successfully teach it in Spanish. PMHDC found four good trainers and hired them as part-time staff for each of PMHDCs four training lab centers. One of the trainers is a 17 year-old high school student who came highly recommended.


  • 13


    In its fi rst six months of operation (July 1 December 31, 2005) ACCION USA's Online Loan Application has logged the following statistics:

    Number of hits to the Online Loan Application: 2010

    Number of contacts (people who have fi lled in name and contact information): 352

    Number of loan applications submitted: 160

    Number of applications submitted without the required application fee: 76

    Number of loans in process: 24

    Number of applications disbursed: 14

    Dollar amount lent: $70,250

    The issue of increasing microloan volume is one that is regularly faced by credit-led microenterprise development organizations. Two organizations realized the tremendous role that technology can play in increasing microlending volume when they received the HP Microenterprise Development Program (MDP) grant. These organizations maximized the opportunity to expand their lending.

    ACCION USA set out to answer the question, How do we reach more microentrepreneurs across the United States and grow our microlending volume without developing an expensive branch infrastructure? With satellite offi ces in Boston, Atlanta and Miami, and licensees in Chicago, New York, San Diego, New Mexico and Texas, ACCION USA wanted to fi nd a way to provide access to capital to more microentrepreneurs, but in a more cost-effective way. The answer was the Internet, and the HP MDP grant provided ACCION USA with the technology infrastructure to enable them to undertake this large and ambitious goal.

    ACCION USA launched its Online Loan Application (OLA) on July 1, 2005 and dealt with several challenges leading to that point including: creating the actual loan application; making sure there were the proper resources, equipment and processes in place to support remote lending operations; and maintaining a low delinquency rate a statistic which ACCION USA is monitoring closely.

    First available only in a few select areas, in mid September the OLA became available nationally and is the only Internet-based loan application targeted to men and women microentrepreneurs across the U.S.

    ACCION USA understands that it will take continued and greater marketing to achieve the signifi cant increase it seeks through its Internet-based lending.

    For PPEP Microbusiness and Housing Development Corporation (PMHDC), an increase in its microlending volume came when its clients started realizing the importance of computers. Prior to clients being exposed to technology via PMHDCs technology training classes, there was no appeal to the 0% interest technology loans available through the organization. However, once clients started to become familiar with computers and realized the positive impact technology could have on their businesses, the demand for computers jumped and so did the demand for the technology loans.

    B e s t P r a c t i c e s




    B e s t P r a c t i c e s

    OTHER INTEGRATION OF TECHNOLOGY TRAININGThe uses of technology in training are only as limited as one's creativity. Three HP Microenterprise Development Program grantees came up with innovative ways to maximize the capabilities of the new technology.

    Working with Individuals with DisabilitiesWorking with Individuals with DisabilitiesThe Wisconsin Womens Business Initiative Corporation (WWBIC) has experienced what can be possible with technology. Committed to providing microenterprise development services to all clients who choose to attend WWBIC classes, the organization found a way to provide training to clients who are deaf or have hearing or vision impairments.

    Opportunities are often disguised as challenges, as WWBIC found during a session with three deaf students and no interpreter. The challenge of teaching the class without the assistance of the interpreter motivated WWBIC staff to fi nd a solution so that the awkward situation would not be repeated. The solution was the new HP technology, and in particular, the Tablet PC. Senior Business Assistance Coordinator, Jennifer Ring Mellberg, recalled a recent training on the Tablet PC and the voice recognition feature that was available. Determined, she successfully learned to train the device to recognize her voice and take dictation. By connecting the Tablet to a projector and using a headset and microphone, she was able to project her words in large font onto the wall, which were clearly seen by all students including the deaf students and those with vision impairments.

    [Staffs] interest in better working with individuals with disabilities began with an AEO-sponsored training by The Abilities Fundthis planted the seed of what could be, and the HP grant presented the opportunities to blossom those ideas into realities for our clients. Julann Jatczak, Vice President, Wisconsin Womens Business Initiative Corporation

    Virtual Information SessionVirtual Information SessionThe Edge Connection (formerly Cobb Microenterprise Center) has provided clients with a way to attend The Edge Connections information session at their convenience during the organizations business hours. Clients who are interested in learning more about the organizations programs and services can visit The Edge Connections resource room. There, clients can log into a virtual training information session about the organization. This has been very effective in providing information to clients who cannot attend the regularly scheduled group information presentations.

    Technology and Radio ProductionTechnology and Radio ProductionMicro Business Development Corporation (MBD) was able to integrate its new HP technology with radio production and editing equipment and software through its partnership with KGNU, a local, community-based radio station. MBD created the KGNU Produce Your Own Radio Show workshop.

    MBD became involved in this partnership as a way to address the lack of exposure that entrepreneurs in low-income neighborhoods receive. Through the partnership with KGNU, clients are learning innovative and creative uses of technology while at the same time promoting entrepreneurs and their businesses. The training allows clients to receive hands-on experience in building their own commercial or radio show and exposes them to using computers, a microphone, fi eld recorder, digital editing and mixing techniques.

    The training has been very successful and many of the clients reported an increased unders tanding of creat ive ways to ut i l ize technology for business market ing. Brandy Bertram, Deputy Director, Micro Business Development Corporation



    S u c c e s s S t o r i e s


    T E R R I D U R D E NFreedoms CrossingLancaster, Pennsylvania

    Freedoms Crossing, Inc. is a tourism-based company with a mission to preserve African American history by educating people about the impact that African Americans had on local communities despite living in slavery. In 2003, Freedoms Crossing, Inc. was just a vision of owner, Terri Durden, who was on disability leave from her food service job at a local college. Supplementing her income as a playwright and teaching elementary school creative writing courses, Terri began to research individual slaves that had lived in the Lancaster, Pennsylvania area and outlined portions of her business plan. She then turned to Community First Fund (CFF) to make her vision a reality.

    Terris business is unique, but she operates in a heavily tourism-based region and competes with experienced tour operators and recreation oriented businesses. She understood that for her business to succeed she would need to improve her business and technology skills. Terri had basic computer skills before enrolling in CFFs training courses, but her equipment was outdated and she needed more advanced training. At CFF she enrolled in an eight-week technology integrated Core Four class and worked with business counselors to refi ne her business plan. She also obtained advice on how to use marketing oriented software to create promotional brochures and professional reports.

    Freedoms Crossing, Inc. is very much a reality thanks to the support that Terri found at CFF. The access to CFFs Client Computer Lab and the business training she received has been essential to her business success. Since founding Freedoms Crossing, Inc. she has also established a non-profi t affi liate to leverage the educational aspects of the business and has developed relationships with numerous regional tourism-based groups that focus on the historical aspect of the region.

    It has been a wonderful experience taking part in such an informative technology program through Community First Fund. With the technology training, I have gained the knowledge needed to [improve my] Internet research of historical facts and fi gures. [This information plays] a major role in implementing the workshops my business offers in our community. Terri Durden


    S u c c e s s S t o r i e s

  • 17


    T A R A G O R M A NCrystal Vision EssencesMount Shasta, California Access to the Internet has made Tara Gormans business, Crystal Vision Essences, possible. Through the business website (www.crystalvisioness.com) Tara markets and sells gemstone-infused body soaps and lotions, which she produces from her home. Before the business went online in 2004, Tara received support to launch and grow her business from Jefferson Economic Development Institute (JEDI).

    When Tara came to JEDI in 2001 she was unemployed and in the process of launching her business. JEDI staff provided her with extensive individual consulting to develop a business plan, a website, and product labels. In late 2004 JEDI received an HP technology grant and set up a computer lab for client use. Tara uses JEDIs computer lab almost daily to produce product catalogs and labels, update her website, and take photos of her products. She also took advantage of two technology based JEDI classes on marketing and Microsoft Publisher.

    Crystal Vision Essences is growing steadily sales are up and its customer base is increasing. Thanks to the support of JEDI Tara has become very Internet savvy and is adept at managing her website. Recently she acquired a UPC code with the goal of selling her products through larger retail outlets; she also plans to move her product development to a community kitchen facility. In addition, Tara is hoping to get an interview with Oprah to demonstrate the effect of her products.

    My website is essential because I have customers all over the world now. Customers can see my latest product selections and order right off the site. JEDI has been a big help. They helped me set a good foundation to launch my vision. Tara Gorman

    S u c c e s s S t o r i e s


    T E R R Y S M I T HT. Smith ProductionsAurora, Colorado

    When Terry Smith was 15 years old he decided he wanted to be an entrepreneur. With an idea to start a resume writing business, Terry joined Micro Business Developments (MBDs) YouthWorks Program in 2003. After several months working with YouthWorks staff, Terry changed his business idea and decided to launch a music production studio.

    As his new idea took shape, YouthWorks provided Terry with one-on-one counseling, and he participated in several YouthWorks programs including fi nancial literacy training, Mapping Your Business Success monthly seminars, and the YouthWorks Management Experience. Terry learned basic computer skills in high school and used the computer lab MBD received as part of its HP technology grant for several hours a week before purchasing his own computer. Access to the computer lab allowed him to do research on the music industry and obtain additional training on fi nancial literacy and business plans. At the same time, Terry was working to raise his grade point average and continued to utilize the computer lab to research college programs and scholarships. In addition, he researched the technology he would need for his business, which he was able to purchase by participating in YouthWorks one-to-one matching Individual Development Account (IDA) program and through an award he received from the Covad Broadband Entrepreneur Program. The award provided one year of free broadband Internet access and a $500 cash award which he used to purchase technology.

    T. Smith Productions was launched in 2005, and though it is still in the start up phase, Terry has worked diligently to get his equipment and technology in working order and has begun recording music for local artists at his home studio. Confi dent in his increased knowledge of the music industry, technology skills, and business savvy he is determined to make the business a success. Recently chosen to receive the prestigious Daniels Fund Scholarship, Terry plans to continue his music production business throughout college to help pay for his living expenses.

    Being able to use the computer is helping me not only in my business, but also in school. I can do all my research, plus it makes it easier for me and my family to stay in touch with friends and with [customers]. Terry Smith


    S u c c e s s S t o r i e s

  • 19


    D A N A M A L O N ETouch of Faith Boutique Inc., DBA: Faith Bridal & Apparel, Faith FloristAurora, Illinois

    In May of 1999, while on medical leave from an injury she sustained at her job, Dana Malone started a home-based bridal and fl orist boutique to supplement her income. In 2002, she became a client of the Womens Self-Employment Project (WSEP) where she learned how technology could transform her business.

    Dana completed WSEPs 12-week Entrepreneur Training Program and obtained one-on-one technical assistance to develop a business and marketing plan to help her better present her products. Since the opening of WSEPs Business Technology Center, Dana has received technology training in QuickBooks, digital photography, technology plans, Access, website training, and e-commerce. Dana continues to use the Business Technology Center three to four days per week to take digital pictures of her products, create marketing materials such as brochures, business cards and stationary, and access the Internet.

    The technology training she has received has improved her business systems, and having access to the Internet has improved her customer service. Dana now has a website for her business where customers can purchase online allowing her to reach more markets. Her business is still home-based, but she is taking steps to move to a storefront location. She is revising her business plan and creating a marketing packet to attract investors. She also plans to pursue a marketing and horticulture degree in 2006.

    Through WSEP I understand how vital technology is for my business. I applaud HP and AEO for providing WSEP the equipment and support, which allowed them to effectively teach small business owners the importance of technology. Dana Malone

    S u c c e s s S t o r i e s


    C A N D I W I LVA N GEmerald Spokes, LLCSeattle, Washington

    Candi Wilvang did not always see herself as an entrepreneur. Recovering from major surgery in 2003, she was out of work and not sure where to turn. After participating in Seattles One Less Car Challenge with her partner, she began to think more seriously about alternative forms of transportation and came up with the idea for Emerald Spokes, a unique pedi-cab business that transports people around downtown Seattle.

    In 2004, before launching Emerald Spokes, Candi enrolled in an eight-week business and marketing class at Washington CASH and shortly thereafter Emerald Spokes opened for business. After the opening she continued to take advantage of Washington CASH training courses, including Microsoft Excel and QuickBooks training. She was also approved for a Washington CASH loan in June 2004 to purchase marketing materials. In addition, through a referral from Washington CASH she won the opportunity to work with six Seattle University business students to develop an extensive business and marketing plan that she calls her business bible. Before receiving a loan in August 2005 to purchase a laptop, Candi used the Washington CASH computer lab regularly to search for advertisers and communicate with her customers. The access to technology, which was made possible through the HP technology grant that Washington CASH received, has given her more confi dence to compete with upper income level businesses as it allows her access to the same resources.

    Emerald Spokes currently owns two bikes and now offers tours and customized rides for wedding parties, dates, and other customer needs. Since 2004 sales have increased 50%, which includes an advertising contract with Flexcar, a member-based car rental service. Candi and her partner have plans to expand the business further in 2006 by hiring more riders and purchasing a third bike. They also have plans to tap into the Seattle tourism market to promote their unique method of transportation.

    It has been fantastic to be thrust into this environment where I am told that not only can my dreams become a reality but that they will. This is the fi rst time in my life that I do not feel enslaved to a job or a bossmy life is all my own and I feel inspired all the time. Candi Wilvang


    S u c c e s s S t o r i e s

  • 21


    S E R G I O A LVA R E ZWedding IllusionsRoswell, New Mexico

    Sergio Alvarezs business, Wedding Illusions, has gained a reputation as one of the premiere bridal boutiques in Roswell, NM and surrounding areas since its opening 15 years ago. Despite its popularity, sales were low in 2000 and Sergio went to WESST Corp looking for a loan to grow his business.

    Since 2000 WESST Corps has granted Sergio three loans totaling $8400. The access to capital has helped him expand his business, but his introduction to the Internet as a business tool has been equally important. In addition to WESST Corps bookkeeping and business operations training, Sergio also took advantage of the organizations Internet business training sessions. He learned how to develop a simple web page design and online ordering form as well as how to use email and market his business online. Creating an online presence for the business has allowed Sergio to market his one-of-a-kind wedding and special occasion dresses beyond Roswell. His fi rst online sale was to a bride in California, who communicated with Sergio via email and was completely satisfi ed with her bridesmaids dresses.

    Sergios newly developed technology skills and the business new website have dramatically increased sales. Wedding and special occasion dress sales surpassed $100,000 during the past three years. Wedding Illusions reputation for unique dresses and outstanding customer service, once only known in Roswell, is quickly spreading nationwide through the Internet.

    WESST Corp has given me another venue the Internet to increase my sales and visibility that I would not have considered without their support and assistance. Sergio Alvarez

    S u c c e s s S t o r i e s


    M A R I A D E L C A R M E N F L O R E SEstrellita SnacksSan Francisco, California

    The road to success was not an easy one for Maria del Carmen Flores, and launching her business was an exercise in courage. Maria came to the United States from El Salvador in 1996 under distressing economic and social conditions. Upon arriving in this country, her pre-established business contact kept Maria trapped in her home for fi ve months without pay and then threw her out on the street with only fi ve dollars to her name. After being homeless for a short period of time, she found part-time employment with temporary housing. There she suffered under alcoholic landlords and bosses who were physically abusive to her. Under these conditions, she resolved to provide for herself.

    Maria began sewing and selling dolls to make a living, and later got the idea to make and package fried plantain snacks, which evolved into Estrellita Snacks. In August 2005, after running her business informally for a year, Maria enrolled in Womens Initiative for Self-Employment Alternativas para Latinas en Auto-Sufi ciencia (ALAS), a Spanish language microenterprise training program. The ALAS curriculum covers: U.S. government regulations; taxation systems; legal structures; introduction to fi nancial institutions and basic business management concepts. In 2005 the ALAS program piloted a new Integrative Technology curriculum, thanks to the technology grant Womens Initiative for Self-Employment received from HP in 2004, which gave students access to PowerPoint presentations and online materials from their own laptop computers during the class. In conjunction with ALAS, Maria also received basic computer training to learn how to incorporate QuickBooks and Microsoft Excel into her business operations.

    Maria recently purchased her fi rst computer and has begun to incorporate her new technology skills into her business plan using the materials she accessed during the ALAS course. Estrellita Snacks is now uniquely positioned for growth, and demand for Marias fried plantain snacks is high and growing. She is promoting her products at tradeshows and has started selling to stores. She recently hired two full-time employees to help increase production to meet demand and is exploring the possibility of opening a factory to process large orders.

    I feel that I am learning so much about how to make my business grow. I used to not take this very seriously and I doubted that I could really make the business work. But now, through the ALAS program, I feel satisfi ed because I see that it is possible and I am making it happen. I am taking myself and my business seriously because my vision has changed. Maria del Carmen Flores


    S u c c e s s S t o r i e s

  • 23


    J O S E L U I S C A S T R OCastros Iron Works and Steel SupplyNogales, Arizona

    Jose Luis Castro immigrated to Los Angeles, California from El Salvador in 1975 as a farm worker. After obtaining his certifi cation as a welder and designer, Jose Luis and his wife Claudia moved to Nogales, Arizona. They founded C&C Castros Iron Works in 1997, but after a few years the business was not making much profi t and the Castros were still relying on welfare to make ends meet.

    The business was in the dark ages of technology with bookkeeping still being done by hand. To upgrade was costly, and Jose Luis had been turned down for bank loans due to his lack of education and business savvy. In 2002 he and his wife turned to PPEP Microbusiness and Housing Development Corporation for support. The Castros enrolled in PMHDCs computer courses, which include: Basic Computer 101; Windows Applications; email and Internet operations; and e-commerce. They used PMHDCs computer lab weekly to take two hours of classes and receive four hours of mentoring. They also took out a PMHDC zero interest technology loan to purchase a computer, business software, and a cash register for their business.

    Jose Luis now has four full-time and three part-time employees and on September 30, 2005, Jose Luis was recognized by the El Salvador Consulate as the Most Distinguished and Honorable Businessman of the Year. He says, "Not only have they [PPEP] helped me with funds to open and expand my business, but also to get off of government assistance, purchase a home, and get an education!

    Coming to this computer program has been the most exciting and productive time invested for us and our family. This has been a great turn-around for our business. Jose Luis Castro

    S u c c e s s S t o r i e s


    Our HP Technology grant has been extremely helpful not only in terms of increased internal effi ciencies but has, as well, improved our ability to help clients assess the impact of technology on their own businesses. Upon completion of the WESST Corp small business incubator in Albuquerque, the impact of the grant will be even more visible as the tenant and non-tenant businesses will have access to the incubators computer lab. Agnes Noonan, Executive Director, WESST Corp

    Receiving the HP grant gave this organization the confi dence to take some risks, which allowed us to attract experienced personnel, initiate new projects and programs and raise more funds than we have ever been able previously. We are a more professional organization positioned to participate in the economic development arena. Melany Brown, Executive Director, Washington Community Alliance for Self-Help (Washington CASH)

    I love to see our clients using our HP equipment in our two HP Technology Labs working on those business plans, those fi nancial statements, and those marketing materials with top notch equipment and support. It doesnt get better than that small but a bit less digital divide! Wendy K. Baumann, President, Wisconsin Womens Business Initiative Corporation

    The combination of equipment and resources directed at both staff and client service delivery improvement has made such an impact. Our volume of our service has increased. Our technology-related offerings have multiplied. Our focus on technology has sharpened. Our offi ce culture has now embraced technology as necessary to do business and we are serving as role models for our clients and the community. We take ourselves more professionally. Nancy Swift, Executive Director, Jefferson Economic Development Institute (JEDI)

    Over the past two years, NDC has grown dramatically in sizein visibilityand in impact within our targeted communities. We also moved into new offi ces, giving our loan and TA offi cers much better space to work with their microentrepreneur clients. Our ability to pull all this off has been greatly enhanced by the technology and advice we received from HP from our state-of the art classroom and resource room at the [Business and Career Center]to the laptops, handheld technology and [Tablet PCs] that allow our staff to be in the fi eld with their clients, to our main offi ce desktops and server that have made our new offi ce markedly more functional than our previous offi ce. Mihailo Temali, Executive Director, Neighborhood Development Center


  • 25


    R e s o u r c e s

    R e s o u r c e sThis section contains a sampling of resource materials shared by some of the 2004 HP Microenterprise Development Program (MDP) grantees. Included are:Online Application Demo An introduction to the Online Loan Application (OLA) and a sample application page. Developed by ACCION USA

    Class Schedules Samples. Provided by WESST Corp and Jefferson Economic Development Institute (JEDI)

    Course Outlines and Flyers English and Spanish version of a course outline on Microsoft Excel, and an English and Spanish version of a fl yer advertising new technology classes. Provided by Micro Business Development Corporation and PPEP Microbusiness and Housing Development Corporation

    Lab User Rules A sample of the rules to which computer lab users must adhere. Provided by ACCION USA

  • 26


    R e s o u r c e s

  • 27


    R e s o u r c e s

    This U.S. Small Business Administration (SBA) Cooperative Agreement is partially funded by the SBA. SBAs funding is not an endorsement of any products, opinions, or services. All SBAfunded programs are extended to thepublic on a nondiscriminatory basis.

    Reasonable accommodations for persons with disabilities will be made,if requested at least two weeks in advance.

    FREE New Client Orientation Dates: Mon. March 14

    Mon. March 28Mon. April 11 Mon. April 25

    Time: Begins 10 am

    Intuit/QuickBooks ProHeld: Wed. March 9 9-1pm Sat. March 12 9-1pm Wed. April 6 9-1pm Sat. April 9 9-1pm Fri. April 15 1-5pm

    MS Access FundamentalsHeld: Thur. March 3 9-1pm Tues. March 8 1-5pm Tues. April 5 1-5pm Fri. April 22 9-1pm

    MS Access Tools & TechniquesHeld: Thur. March 10 1-5pm Mon. March 28 1-5pm Thur. April 7 1-5pm

    Mon. April 25 1-5pm

    MS Excel FundamentalsHeld: Wed. March 2 9-1pm Wed. March 23 4-8 pm

    Fri. April 29 9-1pm Wed. April 20 4-8pm

    MS Excel Tools & TechniquesHeld: Thur. March 24 4-8pm Thur. April 21 4-8pm

    MS Front Page FundamentalsHeld: Tues. March 29 9-1pm

    Tues. April 26 9-1pm

    MS PowerPointHeld: Sat. March 5 9-1pm Thur. March 10 9-1pm

    Powerpoint continued...Thur. April 7 9-1pmSat. April 16 9-1pm

    MS Publisher FundamentalsHeld: Fri. March 11 9-1pm

    Wed. March 16 9-1pmFri. April 8 9-1pmWed. April 13 9-1pm

    MS Word FundamentalsHeld: Tues. March 15 1-5pm

    Wed. March 16 4-8pmTues. April 12 1-5pmWed. April 13 4-8pm

    MS Word Tools & TechniquesHeld: Thur. March 17 9-1pm

    Thur. April 14 9-1pm

    Record Keeping & Tax ReportingHeld: Mon. March 21 9:30-11:30am

    Mon. April 18 9:30-11:30am

    PC Beginners & MS WindowsHeld: Tues. March 1 9-1pm

    Fri. March 18 1-5pmFri. April 1 9-1pmWed. April 27 9-1pm

    Using the InternetHeld: Fri. March 4 9-1pm

    Tues. March 22 1-5pmTues. April 19 1-5pmThur. April 28 9-1pm

    Registration Information:

    Call 624-9850 to register

    Price: $50 per session, includes instruction

    and materials. For technical classes fee

    also includes phone support for month of

    software class .

    Computer Lab:Computer Lab:Open to the Public!Open to the Public!

    Contracts availableContracts available$10.00 per month$10.00 per month

    open 9am-5pmopen 9am-5pm

    Building Entrepreneurial Excellence Since 1989Trainings Consultations Micro-Loan FundR o s w e l l O f f i c e s : 2 0 0 W . 1 s t S t . S u i t e 5 2 7 ( 5 0 5 ) 6 2 4 - 9 8 5 0 w w w . w e s s t . o r g

    Technical & Business TrainingsOrientation

  • 28


    R e s o u r c e s

    Jefferson Economic Development InstitutePO Box 1586, 403 Berry St, Mount Shasta, CA 96067

    Phone: (530) 926-6670 Fax: (530) 926-6676 www.e-jedi.org [email protected]

    The Entrepreneurial Tr

    ackClasses & Workshops

    2006 Series

    SupportingYou & Your Business

    January ~ AugustJanuary ~ August


    Its Your Business - Start or Expand a BusinessDate: Tuesdays, 1/24 through 4/11Time: 6-9:00 pmFee: $35 or waived for low income participantsLocation: College of the Siskiyous, Weed CampusInstructor: TBA

    Registration is required with JEDI and COS before class starts.

    Identify the strategies to create a pro table business and help shape your business idea. Topics include: targeting the right customers, developing a marketing plan and business budget, pricing for pro t, and writing a business plan.

    Making Your Money Work For You - Path to Financial Well-BeingDate: Thursdays, 1/26 through 3/23Time: 6-9:00 pmFee: $48 or waived for low income participantsLocation: College of the Siskiyous, Yreka CampusInstructor: Renee Getreu, JEDI

    Registration is required with JEDI and COS before class starts.

    Learn new tools to help manage your money, understand and clean up credit, and establish an effective savings and spending plan. Let your money support the things that mean the most to you!


    Excel for Bookkeeping - Using Excel for Simple AccountingDate: Wednesday, February 8th

    Time: 6-9:00 pmLocation: JEDI Business Technology Training CenterInstructor: Paj Kane, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Simple spreadsheet accounting for small businesses with no employees. Must have some experience with basic computer skills. Learn how to use excel for basic formulas and calculations, how to track your income and expenses by month, and how to create a summary for the year.

    Doing Business Abroad - International Trade Development

    Date: Tuesday, February 28th

    Time: 2-5:00 pmLocation: College of the Siskiyous, Weed CampusInstructor: Jim Wilson, Center for International Trade DevelopmentGeneral public is welcome. Workshop is free.

    Interested in international trade development? Work with Jim Wilson, consultant from the Center for International Trade Development out of Butte College and in partnership with College of the Siskiyous. Jim will provide expert advice in market research, readiness assessment, distribution and logistics, nancing, laws, and regulations. Individual consultations available.


    Excel for Cash Flow - Using Excel for cash owDate: Wednesday, March 8th

    Time: 6-9:00 pmLocation: JEDI Business Technology Training CenterInstructor: Paj Kane, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Build a cash ow projection to predict your pro tability and to test the feasibility of your business. Must have some experience with basic computer skills. Learn how to use Microsoft Excel for basic formulas and calculations.

    Meet the Lenders - Increase Your Financing OptionsDate: Wednesday, March 22nd

    Time: 6-9:00 pmLocation: College of the Siskiyous, Weed CampusInstructor: Ryan Richardson, Cascade SBDC

    Pre-registration is required.

    Hear straight from the lenders themselves about what they are looking for in a loan application. Learn how to position yourself to be loan worthy, nd out what the deal breakers are and how to avoid them.


    In the Public Eye - Business Cards and Flyers Date: Mondays and Wednesdays, 4/17 through 4/25Time: 6-9:00 pmLocation: Scott ValleyInstructor: David Donica, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Design a business card and yer to present yourself to customers. Learn simple yet effective layout tips that will give you the professional edge. Walk away with a completed business card and a one-page yer. This workshop will use Microsoft Publisher.

    Due to JEDIs current funding base, we have had to target our services to particular groups of people. This status can change as we get new grants.

    Currently, our services are available primarily for registered clients who qualify, unless a fee is noted. To be eligible for free services a person must intend to start or already operate a business with ve or fewer employees including the owners, be within the grant guidelines for income, and be a Siskiyou County resident.

    We are looking for means to provide our services to the general business community, so stay tuned!


  • 29


    R e s o u r c e s

    Jefferson Economic Development InstitutePO Box 1586, 403 Berry St, Mount Shasta, CA 96067

    Phone: (530) 926-6670 Fax: (530) 926-6676 www.e-jedi.org [email protected]

    April continued...

    Energy Audit for Your Business - Innovative Resource UseDate: Wednesday, April 26th

    Time: 6-9:00 pmFee: $25/waived for income eligible clientsLocation: TBAInstructor: Meadow Barr, Meadow Industries

    Pre-registration is required.

    Are you leaking materials and energy? Map energy and materials ows in your business to increase the bottom line. Come away with practical and innovative ways to use resources more productively.


    Cash Register to Computer - QuickBooks for Restaurants Date: Wednesday, May 3rd

    Time: 6-9:00 pmLocation: JEDI Business Technology Training CenterInstructor: Paj Kane, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    A customized workshop for restaurant owners. Learn the different ways that you can use QuickBooks for your business bookkeeping. Learn how to take the information from your cash register to your computer. Learn what reports you can use to track your pro tability.

    Get Your Web Presence Going - Simple Web DesignDate: Mondays and Tuesdays, 5/22 through 5/30Time: 6-9:00 pmLocation: JEDI Tech CenterInstructor: David Donica, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Get your website started and on the Internet. Topics include: determining your purpose, how to pick a domain name and get it registered, choosing the right domain hosting company, creating a website structure, getting spotted in search engines, and more.

    Break Through Pricing - Getting the Money You DeserveDate: Thursday, May 18th

    Time: 5:30-9:30 pmLocation: TBAInstructor: Renee Getreu, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Understand the arbitrary value of money and how to set a fair price for your service or product. Find out why setting a generous price bene ts everyone. Learning how to address the I cant afford it myth with potential customers. The workshop includes a 2-hour clearing exercise using breathing that will help participants improve their comfort level with talking about what you do and receiving money for it.


    QuickBooks Payroll - Do Your Own Payroll in QuickBooks Date: Wednesday, June 14th

    Time: 6-9:00 pmLocation: JEDI Business Technology Training CenterInstructor: Paj Kane, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Learn how to set up payroll, enter employee information and payroll items and how to create paychecks. This workshop is a two-part series followed by QuickBooks Payroll Liabilities.

    Go to the Top of the List - Search Engines and E-commerce Date: Monday, June 19th

    Time: 6-9:00 pmLocation: JEDI Business Technology Training CenterInstructor: David Donica, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Get your web site seen on the Internet. Learn a few simple tricks and tips that will help you get your e-commerce web site near the top of the search engine list - and keep it there.

    QuickBooks Payroll Liabilities - Regulations for payroll Date: Wednesday, June 21st

    Time: 6-9:00 pmLocation: JEDI Business Technology Training CenterInstructor: Paj Kane, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Review of all the regulations for reporting and paying your payroll taxes using QuickBooks software. This is the second workshop of a two-part series.


    From Camera to the Web and More - Digital Images for BusinessDate: Monday, July 10thTime: 6-9:00 pmLocation: JEDI Business Technology Training CenterInstructor: David Donica, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    An overview of how to use digital images for marketing, e-mail, and websites. Learn about le formats, resolution, saving/storing, and optimizing for the Internet.


    E-commerce Made Simple - The Internet and Online SalesDate: Mondays and Tuesdays, 8/7 through 8/15Time: 6-9:00 pmLocation: JEDI Business Technology Training CenterInstructor: David Donica, JEDI

    Pre-registration is required. Workshop limited to 12 participants.

    Take a look at the growing use of online sales. Learn about creating a simple process for selling products or service over the Internet.


    This series is sponsored by a partnership promoting small business development in Siskiyou County between

    Jefferson Economic Development Institute & College of the Siskiyous

    JEDI Business Technology Training Center

    Monday: 1:30 to 4:30 pm Tuesday through Friday: 10:30 am to 4:30 pm

    Open for personal and business use for JEDI clients

  • 30


    R e s o u r c e s

    EEEXXXCCCEEELLLeeerrraaattteee YYYooouuurrr BBBuuusssiiinnneeessssss SSSuuucccccceeessssss wwwiiittthhh MMMiiicccrrrooo BBBuuusssiiinnneeessssss DDDeeevvveeelllooopppmmmeeennnttt!!! CCClllaaassssss 111

    Why is the Excel important?

    Excel is an easy, cheap, and accessible way to track and manage your business and personal finances.

    Once you know the basic operations of Excel (i.e. after todays class) you will be able to create customized financial documents for your business (i.e. Income Statement, Balance Sheet, Cash Flow Statement, Break Even Calculation, etc.)

    As you become more comfortable with Excel, you will be able to generate professional charts and graphs from your financials that can then be used in business plans and proposals.

    Course Objectives

    Upon completion of this course, you will feel comfortable with the basic operations of Excel and be able to create a workbook from scratch.

    You should also be comfortable with the following:

    Excel terminology formatting cells using pre-prepared Excel formulas and using ones of your own knowing where to go to learn about additional Excel features

    Todays Course

    1. Introductions and Course Expectations 2. Visual Intro to Excel and Excel Vocabulary 3. Where to go for Help? 4. An Overview of Excel5. Basic Excel and Income & Expense Exercise (part 1) 6. Formatting Options and Income & Expense Exercise (part 2) 7. Formulas and Income & Expense Exercise (part 3) 8. Work with the Projections & BEP document found in the EXCELerate Class folder inside My


  • 31


    R e s o u r c e s

    Part 1: Create an Income & Expense Template - Ending Result Will Look Like:

    DateCheck Issued To /

    Received From Check Number Amount Received (+) Amount Paid (-) Balance

    STEP ACTION 1 Open Excel 2 Place cursor on File and Click New3 Click Blank Workbook on right side task pane 4 Place cursor on File and click Save5 Save in My Documents as Income & Expense Template6 Place your cursor over the workbook Sheet 1 and right click 7 Click Rename and type Part 18 Click in cell A1 and type Date9 Use the arrows, mouse, or Tab to move to cell B1

    10 Type Check Issued To / Received From11 Move to cell C1 and type Check Number12 Move to cell D1 and type Amount Received (+)13 Move to cell E1 and type Amount Paid (-)14 Move to cell F1 and type Balance15 Highlight Columns A, B, C, D, E, & F using the left mouse button 16 Click on the Format Menu 17 Place your cursor over Column and click Width18 Enter 18 and press Enter19 Make rows 1-5 have heights of 30 by following the same process 20 Highlight the section bounded by columns A-F and rows 1-5 21 Click on Format Menu and then Cells22 Click on the Alignment Tab 23 Click on the check mark under Horizontal: and click Center24 Under Text control, check the box next to Wrap text25 Click OK and note what happens 26 Highlight the section bounded by columns A-F and rows 1-5 27 Click on Format Menu and then Cells28 Click on Border Tab 29 Under Presets, click on both Outline and Inside30 Click OK to close the Format Cells window31 Check to see if your screen matches the example shown on the Finished Examples sheet 32 Save (click file and then Save)

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    R e s o u r c e s

    EEEXXXCCCEEELLLeeerrraaarrr SSSuuu NNNeeegggoooccciiiooo cccooonnn MMMiiicccrrrooo BBBuuusssiiinnneeessssss DDDeeevvveeelllooopppmmmeeennnttt!!! --- CCClllaaassseee III

    Por qu es importante saber utilizar Excel?

    El programa de Excel le da una manera abordable, fcil, y accesible para hacer la contabilidad de sus finanzas personales y de su negocio.

    Una vez que usted aprenda las funciones bsicas (p.e. despus de la clase hoy), usted ser capaz de crear documentos financieros personalizados para su negocio como La Declaracin de ingresos, La Hoja de Balance, Flujo de Caja, etc.

    Una vez que domine el programa Excel, usted ser capaz de generar grficos profesionales de sus finanzas que pueden ser usados en su plan de negocio y propuestas.

    Metas de la Clase

    Despus de esta clase, usted debe sentirse cmodo usando las funciones bsicas de Excel y ser capaz de crear un libro de trabajo.

    Tambin, usted se sentir cmodo con lo siguiente:

    la terminologa de Excel como formatear las celdas como usar los formularios preestablecidos de Excel y como crear nuevos formularios tambin aprender a conseguir ms informacin acerca de las funciones de Excel

    La Clase de Hoy

    1. Introduccin y expectativas de la clase 2. Introduccin al libro de trabajo de Excel y su vocabulario3. Cmo y dnde conseguir ayuda? 4. Ejercicio 1: Los bsicos de Excel y el libro de contabilidad 5. Ejercicio 2: Como formatear y el libro de contabilidad 6. Ejercicio 3: Los formularios y el libro de contabilidad

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    R e s o u r c e s

    Ejercicios para el Libro de Contabilidad (Ejercicios I-III)

    Ejercicio 1: Creando una Forma EstndarEl Resultado Aparecer As:

    FechaCheque Emitido

    A: Numero del

    ChequeCantidad del

    Cheque Balance

    PASO ACCION 1 Abra el programa Excel 2 Ponga el cursor sobre File y haga un clic en New3 Haga un clic en Blank Workbook al derecho del panel de tarea 4 Ponga el cursor sobre File y haga un clic en Save5 Guarde el documento en la carpeta (el flder) My Documents bajo el nombre libro de

    contabilidad (check ledger)6 Ponga su cursor sobre el botn al fondo de la pagina a la izquierda, llamado Sheet 1 y

    empuje el derecho 7 Haga un clic en Rename y escriba Parte 18 Haga un clic sobre la clula A1 y escriba Fecha9 Use las flechas, el ratn, o la tecla de tabulacin Tab para mudarse a la clula B1

    10 Escriba Cheque Emitido A:11 Muvase a la clula C1 y escriba Numero del Cheque12 Muvase a la clula D1 y escriba Cantidad del Cheque13 Muvase a la clula E1 y escriba Balance14 Seleccione las columnas A, B, C, D & E usando el botn izquierdo del ratn15 Haga un clic sobre el men Format16 Ponga su cursor sobre Column y haga un clic sobre Width (significa ancho) 17 Entre 20 y presione Enter18 Haga las lneas 1-5 de estatura 45 siguiendo el mismo proceso 19 Resalte con el cursor la seccin indicada por las columnas A-E y las lneas 1-5 20 Haga un clic sobre el men Format y despus Cells21 Haga un clic sobre el tablero llamado Alignment (significa alineacin) 22 Haga un clic sobre el men que dice Horizontal: y haga un clic sobre Center23 Haga un clic sobre el tablero llamado Border24 Bajo Presets, haga un clic sobre Outside y tambin sobre Inside25 Haga un clic sobre OK para cerrar la ventana Format Clulas 26 Guarde el documento (haga un clic sobre file y luego Save)

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    R e s o u r c e s

    Hurry! Sign-up today! First come, first served! Contact your local PMHDC Area Office for further details, or call 520.806.9513.

    FREE Classes Start InJanuary 2005!


  • 35


    R e s o u r c e s

    Regstrese hoy! Cupo limitado! Comunquese con su oficina local de PMHDC para ms informacin o llame al 520-806-9513

    Las clases, sin costo, empezarn en Enero 2005

    Centros de Capacitacin

    Tecnologa parael xito demicro negocios

    La resolucin del ao nuevo 2005 es aprender o expandir

    los conocimientos de computacinpara las operaciones de

    su negocio

    Asista a nuestras clases y permtanos ensearle como tener un negocio ms prspero en el ao 2005



    Un agradecimiento especial para Hewlett-Packard Co. y a la Administracin de Pequeos Negocios por su programa en donaciones, para hacer este proyecto posible !

  • 36


    R e s o u r c e s


    G r a n t e e C o n t a c t L i s t


    ACCION USA56 Roland Street, Suite 300Boston, MA 02129Phone 617.625.7080www.accionusa.org BiGAustin1050 E. 11th Street, Suite 350Austin, TX 78702 Phone 512.928.8010www.bigaustin.org Community First Fund30 West Orange StreetLancaster, PA 17603Phone 717.393.1757www.commfi rstfund.org

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    The Edge Connection (formerly Cobb Microenterprise Center)1000 Chastain Road #3305Kennesaw, GA 30144Phone 770.499.3228www.cobbmicro.org

    Jefferson Economic Development InstitutePO Box 1586Mount Shasta, CA 96067Phone 530.926.6670www.e-jedi.org

    Micro Business Development700 Kalamath StreetDenver, CO 80204Phone 303.308.8121www.microbusiness.org

    Neighborhood Development Center663 University Avenue West, Suite 200Saint Paul, MN 55104Phone 651.291.2480www.ndc-mn.org

    PPEP Microbusiness and Housing Development Corporation, a Member of the Opportunity Finance Network820 E. 47th StreetTucson, AZ 85713 Phone 520.889.4203www.azsmallbusinessloans.com

    Silicon Valley Economic Development Corporation1155 North First Street, Suite 107San Jose, CA 95112Phone 408.298.8455www.sved.org

    South Bronx Overall Economic Development Corporation555 Bergen AvenueBronx, NY 10455Phone 718.292.3113www.sobro.org

    Washington CASH1912 E. Madison StreetSeattle, WA 98122 Phone 206.352.1945www.washingtoncash.org

    WESST Corp414 Silver Avenue SWAlbuquerque, NM 87102Phone 505.241.4753www.wesst.org

    Wisconsin Womens Business Initiative Corporation 2745 N. Dr. Martin Luther King, Jr. DriveMilwaukee, WI 53212 Phone 414.263.5450www.wwbic.com Womens Initiative for Self-Employment1398 Valencia StreetSan Francisco, CA 94110Phone 415.641.3460www.womensinitiative.org Women's Self-Employment Project11 S. LaSalle Street, Suite 1850Chicago, IL 60603Phone 312.606.8255www.wsep.net