Matching loan per breath restaurant-restaurant
Loan matching project Coordinate with financial institutions for lending For restaurant operators and restaurants with over a hundred thousand locations across the country is a special case to solve the problems of entrepreneurs who are affected by Covid-19 until having to gradually close Latest information from the Department of Business Development The Ministry of Commerce (P.O.) found that as of May 30, 2021, Thailand had 118,967 restaurant operators in the system, of which 15,967 were juristic persons, representing 13.43%, and 103,000 natural persons, representing 86.57%, according to word of mouth. of Thaniwan Kulmongkol, President of the Thai Restaurant Association stated that restaurant operators in Thailand in all forms, including opening in retail stores open by office building residential building government office street commercial building stalls at tourist attractions and street food cars Together, it should not be less than 5 hundred thousand stores and restaurant operators are considered the first front line to encounter problems immediately.
After the outbreak of COVID-19 From the first round of 2020 to the third round today, the association with a black drink manufacturer found that the third round of coviral outbreak has caused 50,000 small food and beverage shops to close because of lack of income. Lack of liquidity in purchasing raw materials for cooking or selling on the next day While income does not equal expenses or employment has to continue in the first phase of the third round of the outbreak, no one expected it to be as protracted and severe as today, Thaniwan said it was a good thing for the hospital to organize the project. match loan financial institutions and restaurants To reduce the problem of inaccessibility of low-interest loans When many banks come to look at the conditions, it is good to choose a bank or package that is suitable for that owner.
Now expect state banks with budgets from The first round of economic rehabilitation loan act, about 5 billion baht, is actually lending to restaurants. Unlock as many rules and regulations as possible, for example, now stores don’t have as much income as before covids. Should use the financial base and assess the business before the year 2019 as a base for considering lending This will help the restaurant survive. Previously, it had loaned 60% of the income generated. Now it may be reduced to 20-30% to support the business. Each restaurant needs 2-3 hundred thousand baht to support expenses and maintain some workers. More importantly, restaurants want it to be expedited and easy to recover. not considered for months It should take no more than 7 days. Will the business survive or not? It depends on whether the state or the bank really speeds things up or not. We found that many banks still have balance from The Royal Decree Soft Lone is a billion baht. Some places as high as 3 billion baht should be released to entrepreneurs who are really in trouble. His shop doesn’t need high money but now may be temporarily shortened because of the coronavirus.
Jurin Laksanawisit, Deputy Prime Minister and Minister Pol. open the project match loan Financial institutions and restaurants on June 7 by opening an area on the 4th floor of the Permanent Secretary. Prof. organizes a booth to give advice and open for restaurant owners’ loans. from Small Industrial Credit Guarantee Corporation (TCG), Small and Medium Enterprise Development Bank (SME D Bank), Krung Thai Bank Bank for Agriculture and Agricultural Cooperatives (BAAC) and Government Savings Bank Jurin stated that Today, it is considered a line for restaurants in Region 2 that part of the country wants the government to come and support with funding or ease the burden of existing debt. including finding a source of loan, matching project, loan financial institutions and restaurants by inviting 5 financial institutions to act specifically for lending By easing as much as possible to members of the 7 restaurant associations have a choice
The project aims to help restaurants access loan sources. or access to financial institutions with special interest rates and securities-free in some cases and other waived conditions So this project can actually help restaurants in practice because the government has credited these financial institutions to lend to service sectors including SMEs and micro-SMEs. And this project started from 7-20 June 2021 by inviting those trained by the Department of Business Development. that educates financial institutions together with restaurants who are interested in using financial institutions to prepare before taking a loan in this project Estimated to get the attention of more than 6,000 people and entrepreneurs who have received a lot of news.
While an official of the Small and Medium Enterprise Development Bank (SME D Bank) who opened the booth, said that in the past, less than 20% of the restaurant owners had applied for a loan, partly because they were unable to reach the owner of the restaurant. especially a shop that has many branches Opening this project and having to enter a list of names from the main departments will be good to know what entrepreneurs want. and what the operators are stuck with but admits loan terms interest rate and the repayment period will be based on the same basis, for example borrowing through a credit program to enhance the community economy. Juristic person releases a maximum loan amount of 5 million baht, interest rate for the first 3 years 2.875% per year, installments for 7 years. Borrow up to 1-2 million baht, interest 4.875% per year, pay installment for 7 years
Journalists surveyed other banks found that they had set the same conditions for consideration and lending as in the past. Most of them charge an interest rate similar to 2-3%, maintain the first 3 years, pay installments up to 10 years, and most of them must have securities. have a revolving account or guaranteed by the association or members of the association When asked about a restaurant operator who has a branch in a department store Used to have monthly income of not less than 1 million baht, had to stop opening services for only 25-30% because the number of shoppers was very low. Because of concerns about the spread of COVID-19, said it was gratifying that the bureaucrat came out as an intermediary. arrange a business meeting with the bank But it’s a pity that the same conditions apply. to take consideration Many of them had applied for a loan or used the government’s soft lone rights, but did not.
However, quite a few operators are hoping to gain access to a new round of softlone. Although the last softlone was not considered. These restaurants hope that such softlone money. will help revitalize the business make various restaurants can continue to operate No one wants to see the number of restaurant closures in the last 1-2 months surpass the hundreds of thousands.
