Gina started her house-cleaning business four years ago in her hometown in Massachusetts, supporting her family who live both in the United States and in Brazil. Gina has no employees and her husband and son both work at different companies.
Four years ago Gina started her house-cleaning business because she saw that the cleaning business was strong in the U.S. She saw the opportunity to grow in this area by starting a business in her hometown. Now, she hopes to gain more clients by using her first ACCION USA loan to advertise her business. She plans to make her services more visible in the surrounding area because there is a large population she has not yet targeted.
Gina loves being her own boss and having that personal contact with her clients. Her greatest challenge was having the courage to start her own business. Now, she is confident enough in her service and day-to-day operations that she wants to further grow her clientele.
About U.S. Microfinance and ACCION USA:
Have you ever thought about how the cute new café on your corner or the salon you frequent every month got the financial resources to start their business? Chances are, they drummed up support from their friends and family, dipped into their personal savings, used a high-interest credit card, or all of the above. An estimated ten million small businesses in the U.S. face difficulty obtaining loans from traditional banks, even prior to the current “credit crisis”. Microfinance institutions, like ACCION USA, support these “unbanked” small businesses by giving them access to fairly-priced capital and business education.
Small businesses also help stabilize low- to moderate-income neighborhoods and rebuild our economy through income growth and job creation. Self-employment provides workers with a way to increase their incomes, support their families, and strengthen their communities. As unemployment rises in the U.S., more and more people are turning to self-employment and start-up enterprises as a way to take control of their economic futures and provide employment opportunities in their communities. The need for support of small businesses in the U.S. is great, and it is one that ACCION USA has been striving to meet since 1991.