Loans for small businesses

Loans for small businesses are intended for small businesses, small entrepreneurs and new entrepreneurs . Here we will show you, a series of opportunities.

Bank loans for small businesses .

If it is a company that is having benefits in recent months, it will not be difficult to access financing with attractive interests, by the majority of banking entities. In the case of being a company, with negative numbers, you would need to risk an endorsement, use a payroll or resort to other options, which we will talk about later.

Financing for start-up companies or companies without benefits .

One of the biggest disadvantages of getting financing, in the stage of creating a company or with a company without benefits, is the lack of confidence by banks, especially if you can not provide something to support it.

But this does not mean that you can not get financing, then a list of alternatives to bank loans .

Venture capital financing : there are a large number of investors and companies that do not settle for the benefits that a fund or stock exchange can give them. They prefer to look for business ideas in which they can risk their money and obtain greater benefits. Luckily, there is a wide list of companies around the world.

The online investment platforms : with the new technologies, two new ways to attract investors from home have emerged. One of them is to present a project and among several investors, finance the project.

Thanks to the previous list, a large number of young people have been able to start their own business , as well as older people who have decided to seek self-employment, due to the lack of opportunities in the labor sector and entrepreneurs who have needed to rescue their businesses, through more liquidity .

If the previous solutions fail, there are still more opportunities, such as looking for investment partners and continuing to look for information in newly created banks and finance companies, which are more willing to find new clients.

Is there a law on volunteering and what is it about?

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Volunteerism Act – a topic that affects many people

In November 2014, in MOVE.BG, the discussion of “Volunteering in Us” made it clear that the regulatory framework is a topic that is a matter of concern for many volunteer people. That’s why we decided to look for answers to the questions “Is a law about volunteering and what is it?” Maria Petkova , Lale Foundation Director, Luben Panov, program director of the Bulgarian Center for Not-for-Profit Law, Lilia Elenkova, former chairman of the National Youth Forum, as well as representatives of volunteer organizations, took part in the discussion .

The meaning of a law on volunteering

Maria Petkova – Director of the Tulip Foundation

“The purpose of a law on volunteering is to regulate the relationships between volunteers, organizations and countries in need of their work by defining their rights, responsibilities and security,” said Maria Petkova. “The professional and social skills developed by volunteers , to be shown to potential employers in order to support employment, especially for young people “.

Luben Panov – Program Director of the Bulgarian Center for Not-for-Profit Law

Lyuben Panov from BCNL stressed that the draft law in its present form regulates only organized volunteering and does not hinder spontaneous voluntary acts. According to him, however, business corporations should be excluded as volunteer organizations and only volunteerism organized by non-governmental organizations, state institutions and international organizations should be regulated. It is also necessary to change the order of registration and to include only long-term volunteers in a register.

Liliya Elenkova – former chairman of the National Youth Forum

Lilia Elenkova was categorical that it is high time that the laws in Bulgaria were created after their impact assessment and that there is a need for long-term and lasting policies to stimulate and support volunteering activities and to create a voluntary work culture for young people. According to the NMF, a law is necessary, but it is important that it reflects the interests of all participants and avoids narrow focus on particular groups – it will only be recognized by all stakeholders.

Lyuben Panov said that according to NSI data there are currently over 80 000 volunteers in NGOs in Bulgaria, which is small compared to the population of our country. Maria Petkova added the picture with European statistics, according to which there are about 100 million volunteers in the European Union a year. Their economic impact is significant because their work represents about 3% of EU GDP, and each euro invested in volunteering is returning EUR 5 to the respective national budgets.

Archbishop Koch wants better medical care for the homeless

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The Berlin archbishop Heiner Koch has called for better medical care for homeless people . It was a “question of humanity” that people who lived on the street, would be medically treated – “no matter where they come from,” said Koch on Wednesday in Berlin. What is needed is “a well-resourced, low-threshold medical care system for homeless people”, to which all those in need of access would have access.

Koch commented on a visit to the Caritas doctor‘s mobile in Berlin. The mobile medical practice has been traveling through the capital for 23 years, providing medical care to the homeless. Koch and the Berlin Caritas director Ulrike Kostka wanted to get an impression of the health situation of people who live permanently on the street or have no health insurance. At the same time, both of them take the opportunity to talk to those affected.

According to Caritas, the number of homeless people in Berlin is rising, which can not be achieved by medical rule offers. Since most of those affected are not insured, they would not be treated in normal medical practices and could only be treated as hospital emergencies. As an alternative, only help from social carriers remained. According to the aid organization, the Caritas doctor’s mobile carries out around 1,700 treatments and 1,600 consultations directly on the street each year. A large proportion of patients come from EU countries, including many Poles, Romanians and Bulgarians, who in Germany are often not entitled to health insurance.

International Volunteer Day: The Church says “Thanks”

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As “outstretched hand of Christ” Pope Francis has called people who volunteer. In Germany alone, this applies to more than one third of people over the age of 14 – and the trend is rising. Whether in hospitals, in the hospice service, in associations or in the fire brigade: Without them, society would hardly work. How the church today thanks volunteers in the social networks, we have put together for you.

Bishop Gebhard Fürst of the Diocese of Rottenburg-Stuttgart thanks the 150,000 volunteers of his diocese for their “tireless efforts”.

Around 150,000 people are volunteers in our diocese. Without your tireless efforts we could not perceive our service to the people in our # church as we do. I thank you from the bottom of my heart today!
– Bishop Gebhard Fürst (@BischofGebhard) 5 December 2018

The Archdiocese of Freiburg says: “Thank you!” And with many hearts!

More than 300,000 people volunteer their time in our archdiocese: we take the International Day of Volunteering as an opportunity to express our sincere thanks to all of you! # Honorary
– Archdiocese of Freiburg (@BistumFreiburg) 5 December 2018

With the quote “After love is the most beautiful verb in the world.” (Bertha von Suttner) thanks the diocese of Mainz all volunteers.

“After LOVE, HELPING is the most beautiful word of the word in the world.”

Did you like the “Hippocrates” series? Medical students too

Hugs, complicit smiles and common worries … We saw two episodes of the new series of Canal + with those of the University Paris-Descartes, along with its director Thomas Lilti.

This Tuesday, November 13, there is more than politeness in the smile of Thomas Lilti . When he comes down the stairs of the packed amphitheater of the University Paris-Descartes, the director of Hippocrates ( the film and the series ) jubilant pride, gratitude, youth found. The medical students have reserved a warm heck of welcome, which shines the eyes and swell the breasts of the actors who accompany him, Alice Belaïdi , Karim Leklou and Louise Bourgoin .

The only thing missing is Zacharie Chasseriaud , Hugo’s interpreter, an immature intern whose gaffes have never ceased to elicit disapproving murmurs, even “oh! damn … ” scandalized throughout the screening of the first two episodes of the series broadcast by Canal +.

  1. We were there ! “Hippocrates”: finally a good series in a white coat on French TV?

If we rely on the sound level displayed during and after the screening, future practitioners have (quite) liked it. The actors are relieved: they who had never seen a syringe as close as during the filming know how they usurp the port of the iconic white coat … The joyous drum of the hands on the desks sounds like a tribute, and for a moment, false and future doctors vibrate in unison.

Thomas Lilti, doctor-director

“The series shows this group spirit, this solidarity between the interns,” said Céleste, a sophomore. His field experience is limited to a three-week internship at the hospital, but it has already been enough for him to experience the vertigo of individual responsibility for the sick and its essential corollary, the solidarity of the medical profession.

“The hospital has its own language, its rituals, its rooms of guard and this tradition of the wheel of wages, which one sees in the first episode and that I did not know myself well,” she continues. To decompress, in fact, interns are loaded with gritty challenges. “Even if everything is not glorious, I find it nice to show the reality as it is. And there is something that makes me look forward to it. “

This something is the sincerity of Thomas Lilti who, on the screen as in questions and answers, plays cards on the table. On entering the amphitheater, before the screening, the director, who still practices medicine, had told students, “I went through here twenty years ago. It changed my life. And that made the man I am. “The address could appear pompous; it was only a way to allow the public to see in his work a long secret.

How did he choose the pathologies treated, asks a young man. “It’s not the exceptional side of the disease that interested me, but the caring-neat relationship. The way it transforms, improves, or damages caregivers. “The Ethics professor and forensic Marie-France Mamzer has identified” a couple of scenes “that can be studied in class.

An educational tool?

“If the series can serve as a tool to discuss, free speech, so much the better , welcomes Thomas Lilti. Me, I missed in studies, to be able to express myself . Later, moreover, he says: “Medical errors, I made full. Fortunately, it never worked. Any good doctor makes mistakes … ” A sentence-talisman? “The discomfort of interns is well shown , confirms Celeste. We know little about it, but some are depressed, even suicidal … “

An old intern speaks. After a rant on Facebook in January 2017, seen more than 11 million times in 72 hours, Sabrina-Aurore Ali Benali has just published The Revolt of an intern. Health, hospital: state of emergency (Payot ed.). She is grateful to Thomas Lilti so well to evoke “non-organic care”, all these attentions, reassuring words, exchanges without medical issues that treat as much as drugs.

Especially … if you are wrong drugs! In fact, an internal medicine intern slammed the administration of Claforan (the commercial name of cefotaxime) to a patient who suffered a rupture of oesophageal varices … “Ah! I killed him there? ” exclaims Thomas Lilti. We were leaving on what, then? Which family of antibiotics? “The guy has not a clue. And the director to throw in a general laughter: “Ah! she is beautiful, French medicine!”

Medical students translate findings: Understanding help for patients

After a visit to the family doctor or a check-up with a specialist, many a patient remains at a loss. Because the medical findings are often just a string of technical terms that tell him nothing. An online portal offers free and anonymous help: here, medical students translate the medical jargon into understandable explanations.

Torsional scoliosis, pancreatitis, systolic murmurs – Talking to the family doctor can give more questions to patients than answering them. Because not every physician can translate the complex technical language into understandable terms . It is even worse for medical findings and medical reports by medical specialists. After all, these are often formulated above all for colleagues and therefore do not even try to take lay people into consideration. But there is help. An online portal explains to patients what is behind technical terms . Beatrice Brülke from the nonprofit initiative washabich.de talks to finanzen.de about how it all works.

Mrs. Brülke, how did the idea for washabich.de come about?

Beatrice Brülke: As a physician you are often asked by relatives or acquaintances to “translate” their medical findings. The two medical students Anja Bittner and Johannes Bittner and the IT professional Ansgar Jonietz have wondered what actually make those who have no doctors in their circle of acquaintances. This gave rise to the idea of ​​”What do I have?”. Within just four days, the website washabich.de went online, which was on January 15, 2011.

How long do patients have to wait about when they submit a report?

Beatrice Brülke: The findings submission works as follows: First, the patient enters with his e-mail address in our waiting list, our virtual waiting room. Within a few days he receives the e-mail with the link to the submission form. When he has submitted his findings, the translation is usually completed within a few days . Among other things, this depends on the length of the findings – a findings page will often contain several pages with easily understandable explanations, and the volunteer translator will need about five hours for this.

Is it also possible to ask questions if there are any ambiguities despite the translation?

Beatrice Brülke: If the patient has not understood something in the translation, he can ask us. Unfortunately we do not have to ask for diagnostic findings , treatment recommendations or anything like that – we can not interpret any findings, just translate them . For such questions, we refer the user to the attending physician. We want to enable the patient to ask his doctor better questions, to make the right decisions and to behave healthier – thus supporting the doctor-patient relationship .

The findings are translated by medical students. Are they even qualified enough to translate a finding?

Beatrice Brülke: To “What do I have?” To become an honorary translator, medical students must be at least in the eighth semester – so we can ensure that they already have the necessary expertise. In addition, they are supported by a large team of medical consultants , which helps with technical issues. At the beginning of their engagement, they also receive personal training in patient-friendly communication, intensively exploring the “What did I do?” permanent doctors are cared for and trained.

Are all subject areas covered?

Beatrice Brülke: Yes, we translate all human medical findings, whether it is gastroscopy, MRI report or cardiac examination.

Suppose the translation of the findings is very different from what my doctor told me: what should I do then?

Beatrice Brülke: Our recommendation is always to turn to the attending physician. Who has understood his findings, can often ask more specific questions. Sometimes it also helps to find another contact person. For example, Independent Patient Counseling can help.

The project is currently funded by donations. Is not there also an interest on the part of the health insurance companies or private health insurers in providing sufficient information to patients?

Beatrice Brülke: Already since 2012, the AOK Federal Association has repeatedly supported us financially. Many other insurers and insurers know that they are very positive about our service. Nevertheless, our financing is far from secured – as a non-profit company, we are not profit-oriented, but impact-oriented. Therefore, we depend on financial support. At the same time, it is very important to us to remain completely independent.

Is it mainly younger people or elderly patients who are most likely to use the project?

Beatrice Brülke: Our users tend to be older. This is mainly due to the fact that they have to go to the doctor more often and therefore receive more frequent medical reports . But also young patients or relatives turn to us.

Thank you for the interview, Mrs. Brülke!

Volunteering is becoming more and more attractive to Bulgarians

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Poll results

An increasing number of people are involved in voluntary initiatives in Bulgaria, it became clear in an online discussion organized by MOVE.BG on 20 November 2014 at the House of MOVE.BG , which aimed to draw attention to people who help good will and contribute to improving the quality of community life. The results of a thematic Facebook poll, which involved more than 240 people, reveals that volunteer preferences in Bulgaria are in the spheres of social campaigns and initiatives, disaster relief, disaster relief and rescue, as well as in policy development and development civil society.

Discussion with:

Participants in the discussion were Tihomira Metodieva – member of the National Association of Volunteers in the Republic of Bulgaria and volunteer “Disasters and Accidents” at Sofia Municipality, Pavel Kunchev – co-founder of the TimeHeroes.org volunteer platform, Vera Kirilova – Network Coordinator of National Alliance for Volunteer Work and coordinator of several projects related to philanthropy among students and health education and its moderator – Ivan Bondakov, national coordinator of MOVE.BG and the network of volunteers of the organization. The discussion was also attended by the Deputy Minister of Youth and Sports Kalin Kamenov and Alexandra Mircheva – Member of the Board of the National Youth Forum.

Which united the opinions of our guests

The respondents shared the view that it is increasingly necessary to adopt the Volunteer Law, as well as to establish forms for validating the knowledge and skills accumulated by volunteering by employers and the education system.

Kalin Kamenov said: “From this discussion, I understand that volunteering has a strong base among young people. I am convinced that it will develop. It is a matter of time to adopt a Volunteer Freedom Act. “

According to Pavel Kunchev of TimeHeroes, volunteering should not replace the role of the state , but it still requires institutional support to be sustainable. Tihomira Metodieva noted that there is a need to establish local structures as social centers to provide follow-up support to people affected by disasters.

Vera Kirilova presented the data from a survey of the NRA, indicating that young people aged 16-24 as well as citizens of 45+ are the most actively engaged in volunteering in Bulgaria. Symptomatically, active volunteers often work in two or more spheres of activity.

The live dialogue also included the online audience, who put his questions and comments on the Facebook page of the event and directly into the MOVE.BG channel on Youtube where the discussion was broadcast directly.

Volunteering is key to changing the environment and personal development

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2011 was declared the European Year of Volunteering to focus public attention on the enormous importance of the work of volunteer organizations. In Bulgaria, since 2006, there has been a series of attempts to regulate volunteer work legally in order to recognize its importance and to lay the foundations for a strategic thinking about how society and the state perceive this type of activity.

The past 2014 was a grave year in view of the many disasters that hit our country but it also showed how good people live in Bulgaria and how we can unite helping compatriots in trouble. Even the 2014 European Parliament Prize went to the young volunteers from Varna!

However, considering the theme of volunteering and attempts to pass a law, it is clear that opportunities for doing good are still being dealt with in very narrow terminology frameworks, and the mass perception of volunteering is primarily for physical work related to helping people in distress and in natural disasters.

MOVE.BG committed to the issue of volunteering at the end of last year

In the context of the currently drafted draft law and to gather different ideas, opinions and recommendations what it should contain. The issue is extremely important to us because what we do with you is to gather people on a voluntary basis in our shared aspirations to think, develop and propose solutions and visions for Bulgaria’s development through a comprehensive process of incorporating very many active citizens and experts.

We give people the opportunity to volunteer in their free time. But not with shovel and boots. And with knowledge, expertise and experience. And not that one is more important than the other, but this broader understanding of the term volunteering shows us how colorful the palette of opportunities for doing good deeds is. On cases for which you do not want retaliation. You get it from the gratitude of the people and from enriching yourself in a new environment. Whether you cleaned up a flooded house or participated in developing a strategy for the modernization of education you gave yourself. You have changed your environment.

Volunteering is a two-way process

In Bulgaria, people are increasingly looking for forms of free gathering that enable everyone to contribute to changing the environment. Volunteering is a two-way process where you not only change the environment and help it improve, but you also change yourself – developing skills, gaining different experiences and qualities and enriching your knowledge by meeting many different people from different spheres of life.

Therefore, when we talk about a law on volunteering, we must take into account all dimensions and aspects of volunteering. From our discussions and meetings with organizations with extensive experience in the field of volunteerism, it became clear that we can not write a law without thinking about its long-term effects and what we want it to achieve. Do we just want to regulate relationships between volunteers and organizations or do we want to create and develop a culture of volunteering in our society? We just want to create another administrative obstacle to a noble activity or do we want to encourage as many people as possible to volunteer?

To put into a legal framework something that is presumably regulated – the goodwill of the people.

Another thing around which organizations representing positions on the draft law are united is that its framework should provide the most comprehensive definitions of volunteers and volunteering in order not to limit but rather to provide incentives for inclusion.

The problem with regulating volunteering is that you are trying to put into a legal framework something that is presumably regulated – the good will of the people. Most of our volunteers often do not understand why a law is needed, provided that doing them good is a vocation that everyone follows without regulations. But, as Maria Petkova, director of the Tulip Foundation, says, “the purpose of a law on volunteering is to regulate the relationships between volunteers, organizations and countries in need of their work, defining their rights, responsibilities and security. It is also important for professional and social skills developed by volunteers to be shown to potential employers to support employment, especially for young people.”

Another argument for the need for a law is expressed by Lyuben Panov, Program Director of the Bulgarian Center for Not-for-Profit Law: “The Labor Code explicitly says that every labor is paid. Consequently, voluntary work under Bulgarian law must be paid. Otherwise, some illegal activity is being done. “

The aim is to change the environment and the quality of civil society

As a civic platform whose long-term goal is to change the environment and the quality of civil society, for us the understanding of the importance of volunteering in an overall concept and state strategy for its development and stimulation is the most important foundation on which such a law. This is an excellent opportunity for Bulgarian lawmakers to influence the environment in the long run. And especially with the thought of young people. Not because they are the largest volunteer group in Bulgaria (according to the NARD data and a 2013 study), but because volunteer work raises values, respect and empathy. Qualities that young Bulgarians must possess today.

The message that we would also send to the legislators is:

When we think of a law, let us consider the environment and its long-term effects on it. Volunteers are people with good hearts. Do we want more people to be like this? Let’s think about the incentives (a volunteer book, for example). Do we want more young people to turn to goodwill? Let’s think about strategies, improving the image and integrating national and municipal programs.

And more specifically:

  1. A law on volunteering has a serious impact assessment. Take into account the views of all stakeholders – state institutions, non-governmental organizations, business representatives, etc.
  2. Define the different types of volunteering in order to publicly recognize its diversity and to place intellectual volunteering on one level with other forms. (The National Youth Forum is distinguished by good proposals here).
  3. Integrating mechanisms for the recognition and validation of volunteer work.

Volunteers wanted for UK Black Pride’s main event

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UK Black Pride – Europe’s largest community-led, not-for-profit support group for African, Asian and Caribbean lesbian, gay, bisexual and transgender people – seeks volunteers to help deliver its main event in central London on Saturday 29 June.

UK Black Pride’s Director for Administration, Dr. Beverly Duguid, said: “UK Black Pride is a key part of the Black and LGBT community’s calendar of events. We’ve been blown away by the support from our community of volunteers in recent years and we want to repeat this again to ensure that our not-for-profit community-led event is a massive success.

“As well as the fantastic experience, skills development and feel good factor of volunteering for UK Black Pride, we will reward our volunteers as members of the UK Black Pride family by providing free training, access to world class artists, some food and a modest contribution for travel in central London.”

To register as a volunteer please enter your details here.  Those individuals who are selected as a volunteer must attend a special training session where they will receive health and safety, first aid, and crowd management training. UK Black Pride will also give volunteers a t-shirt, a meal voucher and London transport ticket.

The eighth annual UK Black Pride festival will take place on Saturday 29 June in Golden Square which is situated in the heart of London’s Soho. From 12 noon until 8:30pm the free-entry but ticketed UK Black Pride event – which is being run as an independent part of London Pride – will boast a main stage packed full of top live acts (previous headliners have included Jessie J, Ms Dynamite and Beverley Knight), supported by top DJs in a dance area, alongside licensed bars, world food, community stalls, prizes and much more. UK Black Pride’s 2013 summer of love series of activities will include exciting entertainment from May until August so visit the website for more details.

UK Black Pride is proud to be a grassroots-led movement of race, faith and LGBT groups and trade union community allies. It shows that putting people and politics at the heart of marking pride in our LGBT community’s progress is the most effective way to pursue the fight for equality, inclusion and steadfast opposition to all forms of bigotry in every section of society.

Volunteering in the DAV – Moving Mountains

What volunteer moves!

Volunteering at the Alpine Club is a strong, important and self-confident social force. It is the volunteers who shape club life. They are the ones who promote nature conservation. They inspire young and old for the mountains and show them how mountain sports are as safe as possible.

Three times volunteer work – with pleasure in action

“The Family Makers”

“I found my home.”

“No time for boredom”

“Women in honorary office”

“Love me Jena”

On the situation of volunteering in Germany and in the DAV