Convocatoria abierta para el Fondo Emprendedor 2011
El Gobierno del Estado de Baja California Norte por medio de la Secretaria de Desarrollo Económico (SEDECO) y a través del Fideicomiso para el Desarrollo Económico de Baja California invitan a emprendedores de nuevos negocios o microempresas de reciente creación que hayan egresado de una incubadora de metodología tradicional, a presentar proyectos viables, que estén dirigidos a la formación y arranque del negocio o consolidación de sus operaciones.
Los emprendedores deben contar con un plan de negocios que muestre viabilidad financiera, técnica y comercial. Para el caso de los microempresarios el negocio no debe contar con más de un año de operaciones y deben estar sustentado en un proyecto técnicamente y financieramente viable.
Ambos casos, podrán ser financiados en conceptos de equipamiento, infraestructura y capital de trabajo. Los montos oscilan entre los 20 mil y 80 mil pesos, cantidad que depende de la necesidad del negocio y capacidad de pago del empresario. Sólo se podrá dar financiamiento para cubrir hasta el 80% del costo del proyecto, el resto deberá ser cubierto por el beneficiario.
Los recursos deberán invertirse en especie como maquinaria, equipo, mobiliario, artículos de oficina y todo aquello necesario para el arranque del negocio, siempre y cuando sean comprobables. No serán incluidos como aportaciones seguros, honorarios y salarios.
Se maneja una tasa de interés anual del 6% con un plazo de financiamiento de 18 meses, incluyendo un periodo de gracia en capital de 3 meses, comisión por apertura de 1.5% por única ocasión, más el 11% de IVA.
La garantía será de obligación solidaria. No se podrán destinar los recursos del programa para pagar pasivos de los emprendedores o de la microempresa, ni para apoyar investigaciones o desarrollos de prototipos funcionales.
Las incubadoras registradas en el nivel tradicional del Sistema Nacional de Incubadoras de Empresas, a las cuales pueden acudir los interesados para recibir asesoría en la elaboración de su plan de negocio, son: Emprender COPARMEX, Plancrecer, EmpreSer, UNIMOSS y CimarronEs UABC.
Para mayor información sobre los requisitos y ubicación de las incubadoras visita: ww.bajacalifornia.gob.mx/sedeco/2008/documentos/emprendedor/Convocatoria%202011%20Emprendedor.pdf
Elvira Mayén-Lugo
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