Professional Documents
Culture Documents
brZolis saSualeba
angariSi da rekomendaciebi
2013
kvleva Catarda da gamoica saTemo ganviTarebis centris, konsultaciisa da treningis centrisa da saqarTvelos mcire da saSualo sawarmoTa asociaciis erToblivi proeqtis `mikromewarmeoba, rogorc siRaribesTan brZolis instrumenti farglebSi, aRmosavleT-dasavleTis
marTvis institutis (EWMI) programis saqarTveloSi sajaro politikis, advokatirebisa da samoqalaqo sazogadoebis ganviTareba (G-PAC)
mxardaWeriTa da amerikis SeerTebuli Statebis saerTaSoriso ganviTarebis saagentos (USAID) dafinanNNsebiT.
saTemo ganviTarebis centri, konsultaciisa da treningis centri, saqarTvelos mcire da saSualo sawarmoTa asociacia / 2013
sarCevi
1. Sesavali
2. meTodologia
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9. mTavari daskvnebi
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10. rekomendaciebi
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1. Sesavali
2013 wlis maisSi arasamTavrobo organizacia saTemo ganviTarebis centrma (CDC) konsultaciisa da treningis centrTan (CTC) da saqarTvelos
mcire da saSualo sawarmoTa asociaciasTan (GSMEA) partniorobiT daiwyo proeqtis mikromewarmeoba, rogorc siRaribesTan brZolis saSualeba ganxorcieleba. proeqtis mizania, erTi mxriv, mcire mewarmeobis mxardamWeri programebis TvalsazrisiT gaaanalizos saqarTvelos
arasamTavrobo seqtorSi arsebuli gamocdileba, meore mxriv ki, am
analizze dayrdnobiT, moamzados saqarTvelos mTavrobisa da sakuTriv
am sferoSi momuSave aqtorebisTvis Sesabamisi angariSi da gauwios saTanado rekomendaciebi.
organizatorebis mier proeqtis inicireba ganapiroba samma ZiriTadma
mizezma: uSualod siRaribis problemis simwvavem, am problemis mogvarebis TvalsazrisiT bolo wlebSi periodSi gadadgmuli nabijebis naklebefeqtianobam da axlad arCeuli mTavrobisagan mcire mewarmeobis,
rogorc siRaribis daZlevisa da socializaciis erT-erTi instrumentis mimarT interesis gaCenam.
siRaribis problemis simwvave - sxvadasxva gaTvlebiT, saqarTveloSi RaribTa raodenoba aRwevs 1 milion adamians (msoflio bankis
bolo kvlevebis mixedviT saqarTveloSi siRaribis done 25 procentia).1
eqspertTa mosazrebiT, ukidures siRaribeSi cxovrobs saqarTvelos
mosaxleobis 10 %, rac daaxloebiT 440 aTas adamians Seadgens.2 siRaribis problemas ufro met simwvaves matebs is garemoeba, rom bolo 20 wlis
ganmavlobaSi siRaribis zrdis tendencia sakmaod mdgradia.
bolo periodis ganmavlobaSi siRaribis winaaRmdeg brZolaSi gadadgmuli nabijebis naklebefeqtianoba - 2003-2012 wlebSi saqarTvelos mTavrobis mier gatarebuli neoliberaluri ekomikuri politikis pirobebSi ver moxerxda gardatexis Setana siRaribis daZlevaSi.
am periodis ganmavlobaSi socialuri programebi ZiriTadad siRaribis simptomebis da ara maTi gamomwvevi mizezebisa aRmofxvras emsaxureboda. aRsaniSnavia, rom 2005 wlidan saqarTvelos mTavroba Seudga
siRatakis zRvars qvemoT myofi ojaxebis registracias, ris safuZvelzec Semdgom wlebSi daiwyo Sesabamisi socialuri daxmarebebis gacema.
1. The World Bank, 2009, http://data.worldbank.org/country/georgia
2. saqarTveloSi 1 milioni adamiani Raribia, xolo 440 aTasi adamiani - ukiduresad Raribi amerikis xma, d. guguSvili, 2013, http://www.amerikiskhma.com/content/article--1------440------96756439/530029.html
damatebiT saqarTvelos mTavrobam ganaxorciela struqturuli reformebi, romelTa wyalobiTac mniSvnelovnad Semcirda korufciis
done da gamartivda biznesis warmoebis regulaciebi. mTavrobis mxridan am nabijebis gadadgmas TiTqos bunebrivad unda mohyoloda siRaribis donis Semcireba, magram am mimarTulebiT man xelSesaxeb Sedegs ver
miaRwia. neoliberaluri politikur-ekonomikuri modelis arsebobis
pirobebSi, saqarTvelos mTavrobam bolo wlebSi faqtobrivad uari Tqva
dasaqmebis politikis centralizebulad gatarebaze. amas adasturebs
is faqti, rom 2006 wels gauqmda kanoni `dasaqmebis Sesaxeb~.3 dasaqmebis
politikis arqonam gamoiwvia umuSevrobis donis zrda (gansakuTrebiT
soflad), rac, Tavis mxriv, proporciulad aisaxa siRaribis donis matebaze. im pirobebSi, roca qveynis mosaxleobis TiTqmis 60 procenti soflad cxovrobs, xolo 55 procenti soflis meurneobaSia dasaqmebuli,
soflis meurneobis mimarT araTanamimdevruli saxelmwifo politika
siRaribis zrdis kidev erTi xelSemwyobi faqtori gaxda.4 amas daemata
isic, rom 2003 wlis Semdeg gatarebuli institucionaluri reformebis
Sedegad samuSao adgilebi ufro meti gauqmda, vidre Seiqmna. miuxedavad imisa, rom iseT sferoebSi, rogorebicaa mSenebloba, sabanko seqtori, wiaRiseuli da saxelmwifo seqtori, gaizarda samuSao adgilebisa
da xelfasis odenoba, aman mainc ver moaxdina didi gavlena dasaqmebis
gazrdaze da, Sesabamisad, siRaribis Semcirebaze, radgan am seqtorebis
wili saerTo dasaqmebis bazarze sakmaod dabalia.5
axalad arCeuli mTavrobisagan mcire mewarmeobis, rogorc siRaribis daZlevisa da socializaciis erT-erTi instrumentis mimarT
interesis gaCena - 2013 wlis ivlisSi saqarTvelos ekonomikis ministrma
ganacxada, rom saqarTvelos ekonomikis saministro gegmavs e.w. startapebis fondis Seqmnas, romelic daafinansebs startap kompaniebs da
inovaciur ideebs. misive TqmiT, ...dasaqmebis kuTxiT erT-erTi mniS3. evrokavSiris samezoblo politika da saqarTvelo (damoukidebel eqspertTa analizi), siRaribis daZleva da socialuri stabiluroba. ciuri anTaZe, 2010, http://www.nplg.
gov.ge/gsdl/cgi-bin/library.exe?e=d-00000-00---off-0civil2-civil2-01-1--0-10-0--0-0---0prompt-10--.%2e-4---4---0-1l--11-ka-10---10-preferences-50--00-3-1-00-0-00-11-1-0utfZz-8-00-0-11-1-0utfZz-8-10&a=d&c=civil
2&cl=CL2.6&d=HASH2097cf9988510f51cdfd72.4.2
4. mTavrobis Secdoma pirvel rigSi is iyo, rom soflis meurneoba araptioritetul dargad gamoacxada - im pirobebSi, roca qveynis mosaxleobis naxevarze meti soflis meurneobaSia dasaqmebuli, saqarTvelos mTavrobam 2010 wels am dargs biujetis 1 procentze
naklebi moaxmara.
5. World Bank, Georgia Poverty Assessment, April 2009, 1, ix. wwwds.worldbank.org/external/default/
WDSContentServer/WDSP/IB/2009/04/29/000350881_20090429111740/Rend ered/PDF/444000ESW0P10
71C0Disclosed041281091.pdf
am Temaze amgvari tipis kvleva aqamde ar Catarebula da kvlevis procesSi gamoikveTa ramdenime mniSvnelovani SezRudva (ix. Semdegi Tavi,
kvlevis meTodologia), romelTa aRmofxvrac SesaZlebelia SemdgomSi
damatebiTi kvlevebis CatarebiT. miuxedavad am SezRudvebisa, avtorebi
imedovneben, rom winamdebare angariSi xels Seuwyobs mcire mewarmeobis
mxardaWeris programebis TvalsazrisiT arsebuli gamocdilebis gaazrebas da, aseve, imasac, rom igi daexmareba saxelmwifo uwyebebs ufro
efeqtianad warmarTon TavianTi saqmianoba am mimarTulebiT.
2. meTodologia
kvlevis procesSi ZiriTadad gamoyenebuli iyo CaRrmavebuli interviusa da fokus-jgufis teqnika. mkvlevarTa jgufma proeqtis koordinatorTan erTad, pirvel etapze Caatara SerCeva, ra drosac damyarda
kontaqti mcire mewarmeobis mxardamWeri sagranto programebis ganmaxorcielebel ZiriTad adgilobriv da saerTaSoriso arasamTavrobo organizaciebTan. Semdgom etapze, mkvlevarTa jgufis mier damuSavebuli
struqturirebuli kiTxvaris safuZvelze am organizaciebis warmomadgenlebTan Catarda CaRrmavebuli interviuebi. mkvlevrebma fokus-jgufis meTodi gamoiyenes zemoT aRniSnuli tipis programebis pirdapir
beneficiarebTan. Tumca aqve unda aRiniSnos, rom kvleva Catarda mxolod ori proeqtis samizne fokus-jgufebTan, rac SeiZleba kvlevis
erT-erT SezRudvad CaiTvalos.
garda amisa, kvlevis procesSi mkvlevarebma gamoiyenes meoradi wyaroebi, maT Soris saerTaSoriso organizaciebis mier Catarebuli kvlevebi da uSualod sagranto programebis ganmaxorcielebeli organizaciebis angariSebi. aseve, kvlevis procesSi mkvlevrebma aqtiurad
gamoiyenes akademiur sferoSi am Temaze arsebuli literatura. saerTaSoriso gamocdilebis analizis TvalsazrisiT, aRsaniSnavia is faqti,
rom angariSis momzadebis dros polonelma partniorebma SeimuSaves
mcire analitikuri narkvevi, romelic exeba poloneTis gamocdilebas
mcire biznesis mxardamWeri programebis ganxorcielebaSi (ix. danarTi).
kvlevis procesSi gamoikveTa sami ZiriTadi SezRudva:
kvlevam ver moicva yvela is organizacia da proeqti, romelic mimarTulia mcire mewarmeobis mxardamWeri programebis ganxorcielebisaken. Sesabamisad, am mxriv kvlevis areali Semcirebulia.
kvlevis procesSi kvleva fokus-jgufTan Catarda mxolod ori proeqtis beneficiarebTan, rogorc es proeqtis dagegmvisas gadawyda. mkvlevarTa jgufma drois da adamianuri resursebis simciris gamo SeuZle7
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programebSi likvidobis Semaferxebeli barierebis Semcireba da miznobriv jgufebSi biznesis wamowyebisaTvis mniSnelovani kompetenciebis
ganviTareba warmoadgens18. aseve mniSvnelovania mcire biznesis xelSemwyobi sagranto programebis Tanamdevi socialuri efeqti: miznobrivi
jgufebis socialuri statusis amaRleba da maTi integracia sazogadoebaSi, TemSi sxvadasxva servisebisa da produqciis xelmisawvdomobis gazrda, TanamSromlobiTi kulturisa da RirebulebiTi jaWvebis
formireba.
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respondentebi imasac aRniSnavdnen, rom gamocdilebis arqona moqmedebs, agreTve, rogorc subieqturi Semaferxebeli faqtori sesxis
aRebisas - gamocdilebis arqonas Tan axlavs SiSi, sakuTar ZalebSi daurwmunebloba, rac damatebiT fsiqologiur barierebs warmoqmnis:
`sabanko sesxis aRebisa meSinia, ara var darwmunebuli
sawarmos stabilurobasa da Cemi saqmis warmatebaSi~.
programis beneficiari
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amasTanave, beneficiarTa azriT, startap grantebi iniciativis da motivaciis gazrdis efeqturi saSualebaa:
`didi xania, vfiqrobdi eTnografiuli ezos mowyobaze,
romelic siRnaRis municipalitetSi Camosul turistebs
moemsaxureboda. magram ramdenime mizezis gamo ver viwyebdi: erTi, rom ver vbedavdi, vfiqrobdi, ver SevZleb, Tavs
ver gavarTmev-meTqi; meore, rom usasrulod gadavdebdi
xolme am ideis ganxorcielebas, radgan aravis winaSe ar
mqonda pasuxismgebloba;
muSaobis survili gamiCnda. rodesac arafers akeTeb, muSobis survilic sul ufro knindeba. exla ki, rac mets vakeTeb, miT meti minda vakeTo. davinaxeT, rom raRac gamodis.
me puris gamocxoba CemTvis mezareboda, exla ki Tones vamuSaveb;~
proeqtis beneficiari
respondentebs, zogjer TemSi da mikrosocialur jgufebSi socialuri rolebis struqturis cvlilebis TvalnaTeli magaliTebic mohyavT:
`qmari mexmareba ToneSi muSaobaSi, xandaxan umcrosi qaliSvilic. qmars Tavidan rcxvenoda - puris cxoba ra kacis
saqmeao, - Tavs uxerxulad grZnobda, roca mezoblebi xelSi
comiT xedavdnen, exla ki CemTan erTad muSaobs~;
startap programebis beneficiari qalebi siamayiT aRniSnaven, Tu rogor gafarTovda maTi socialuri kavSirebi da statusi, rogorc TemSi,
ise ojaxSi.
`yvela molaparakebas Tavad vawarmoeb. magaliTad, siRnaRis sastumroebTan, romlebic eZebdnen adgils Tavisi stumrebis sazeimo sadilisaTvis. sofelSi ufro didi pativiscemiTa da ridiT mepyrobian~.
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calkeuli donori organizaciebis monacemebiT, zogadad mikromewarmeobis mxardamWeri programebis sawyis etapze mowyvladi jgufebis
programaSi CarTvis motivacia da, Sedegad, monawileobis maCveneblebi
SedarebiT dabalia imave georgafiul adgilas sxva jgufebis CarTulobis maCveneblebTan SedarebiT. Tumca TemSi am kuTxiT warmatebuli
magaliTebis dafiqsirebis Semdeg monawileobis msurvelTa ricxvi izrdeba23.
donori organizaciebis monacemebiT, beneficiarTa 90%-ze meti
aRniSnavs, rom startap grantebis programaSi monawileoba swori
gadawyvetileba iyo da kmayofilia SedegebiT24.
miuxedavad amisa, donorebi am tipis iniciativebis Sedegebis gaaanalizebis dros garkveul SezRudvebsac aRniSnaven. kerZod:
a) dafinansebuli biznesproeqtebis saSualod naxevarze mets grZelvadian perspeqtivaSi problemebi eqmneba mdgradobis TvalsazrisiT;
b) xSir SemTxvevaSi dafinansebuli biznesproeqtebi wlebis Semdeg
imave saxisaa da naklebad viTardeba;
g) mikro biznesproeqtebis ganviTarebis perspeqtivebi didad aris
damokidebuli calkeul subieqtebs Soris TanamSromlobiTi urTierTobebis Camoyalibebasa da kooperaciaze, magram calkeul proeqtebs
Soris TanamSromlobis magaliTebi cotaa an saerTod ar aris:
erTad naklebad akeTeben rames, ar TanamSromloben, donorisgan Tu
ar modis iniciativa da Tavidanve ar aris jgufuri proeqti. Tu sxvadasxva regionia da sxvadasxva proeqti - TanamSromloba saerTod ar
aris - aRniSnavs erT-erTi donori organizaciis warmomadgeneli
Seqmnili situaciis mTavar mizezebad donorebi ramdenime faqtors miiCneven. es faqtorebia:
dabali pasuxismgebloba - beneficiarebi grantis Tanxebis xarjvas naklebi pasuxismgeblobiT ekidebian, vidre sesxis SemTxvevaSi.
`rogorc ki organizacia konkurss gamoacxadebs, modis uamravi xalxi,
romelsac ubralod fuli sWirdeba. muqTa fuli cudia. riskze ufro
midis. imitom rom am muqTa fuls debs Zalian uxarisxo raRacaSi. rodesac modis muqTa fuli, romelzec pasuxismgebloba ar gaqvs, did riskzec
midixar~.
manipulirebis SesaZlebloba - calkeul SemTxvevebSi grantiT gamo23. Womens Fund in Georgia. 2013. Womens Economic Independence in the Post-conflict Zone and Remote Regions of Georgia. Final Report.
24. Center for Training and Consultancy (CTC). 2012. Sustainable integration of IDPs into value creation
chains in new settlement areas. Final Report
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"gvqonda universitetebTan TanamSromlobis mcdeloba, magram didi survili ar gamouTqvamT. garemos dacvis
mimarTulebiT ufro iolia instituciuri TanamSromloba, soflis meurneobaSi provaiderebis qseli ar arsebobs. moTxovna Zalian didia, magram momwodebeli cotaa.
magaliTad, yvelis teqnologiebSi saqarTveloSi mxolod 5
eqspertis moZiebaa SesaZlebeli. sakiTxs gaaCnia - agronomiis mimarTulebiT metia, vidre Tanamedrove teqnologiebis
mimarTulebiT".
donori organizaciis warmomadgeneli
winaswari kvlevebis nakleboba - mikromewarmeobis mxardamWeri iniciativebi xSirad usistemo xasiaTisaa da naklebad aris dakavSirebuli
samizne regionis an Temis ganviTarebis grZelvadian strategiasTan, iseve rogorc adgilebze arsebul saWiroebebTan.
`startapebTan muSaoba Zalian rTulia. startapi imas niSnavs, rom adamians am saqmeSi gamocdileba ara aqvs. gamouc
deloba Zalian mniSvnelovania. iluziebi aqvT. Semosavali
naklebia, mogeba naklebia, biznesSi reinvestireba naklebia. amitom marketinguli kvleva kidev ufro mniSvnelovania, vidre arsebuli dafinansebuli biznesis dros. es aris
sruli aucilebloba~.
donori organizaciis warmomadgeneli
socialuri daxmarebis paketebis sixiste - mikromewarmeobis mxardaWeris programebSi mowyvladi jgufebis monawileobas xSirad aferxebs is faqti, rom maT angariSze fulis daricxvisTanave beneficiarebs
uuqmdebaT socialurad daucvelis statusi.
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swavloben Semosavlis momtani saqmianobis dagegmvasa da ganxorcielebas da iwyeben sakuTar saqmes. bolo aTi wlis manZilze am programis
farglebSi amgvari tranzicia milionze metma adamianma moaxdina. orwliani periodis ganmavlobaSi daaxloebiT 80 % ukve flobs mcire Semosavlis momtan saqmes, aqvs danazogi da gaxda BRAC-is mikrosakredito
sqemis beneficiari.
Sefaseba aCvenebs, rom bangladeSis programis kompleqsuri formati
- granti, treningi, TviTdasaqmeba - efeqturad muSaobs ukiduresi siRaribis, socialuri izolaciis, Sesabamisi kompetenciebis naklebobis,
dabali TviTSefasebis daZlevis mimarTulebiT, rac adre am adamianTa
TviTdasaqmebisaTvis barierebs warmoadgenda (Hossain & Zahra, 2010).
sagranto komponentis (rogorc ukiduresad Raribi da mowyvladi
jgufebis socialuri da ekonomikuri integraciisaken mimarTuli intervenciebis, sawyisi etapis) efeqtianobaze miuTiTebs msoflio bankis
uaxlesi kvlevebi sxva qveynebSic. unda aRiniSnos, rom es kvlevebi samecniero sazogadoebis CarTulobiTaa ganxorcielebuli, iyenebs eqsperimentul dizains da farTo, reprezentatiul SerCevebs eyrdnoba.
magaliTad, msoflio bankis mier mowyvladi jgufebisaTvis mikromewarmeobis xelSemwyobi saxelmwifo sagranto programis Sefasebis
Tanaxmad, ugandaSi mowyvladi jgufebisTvis gacemuli mikrograntebi
aumjobesebs dasaqmebis maCveneblebs da amcirebs siRaribes - programis
dawyebdan 4 wlis Tavze isini, vinc granti miiRo, 41%-iT met Semosavals
iRebdnen, vidre sakontrolo jgufi (igive socialur-ekonomikuri maxasiaTeblebis mqone jgufi, romelic ar iyo CarTuli programaSi). sagranto sqemis beneficiarTa dasaqmebis albaToba saxelobo sferoSi 65%-iT
ufro maRalia, biznesis registraciis albaToba - 31 %-iT ufro maRali,
xolo gadasaxadebis gadaxdisa da aRricxvis warmoebis albaToba - 40%iT ufro maRali, vidre sakontrolo jgufSi (World Bank, 2013).
aseve, ugandaSi ganxorcielebuli Sefaseba miuTiTebs ukugebis ufro
maRal maCveneblebze qalebisaTvis. programaSi CarTul qalTa Semosavali 84 %-iT ufro maRalia sakontrolo jgufis maCveneblebTan
SedarebiT, maSin rodesac mamakacTa eqsperimentuli da sakontrolo
jgufebisaTvis gansxvaveba 31%-s Seadgens. erT-erTi mizezi, kvlevis
Tanaxmad, SeiZleba iyos isic, rom qalebs (grantis arqonis SemTxvevaSi),
Semosavlisa da danazogis ufro dabali sawyisi maCveneblebi hqondaT da
kreditis ufro SezRuduli wvdoma, rac arTulebda sawyisi kapitalis
Segrovebis process.
aseve, ugandaSi ganxorcielebuli kvleviT ar dadasturda hipoTeza
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grantebis aramiznobrivad xarjvis maRali albaTobis Sesaxeb mowyvlad jgufebSi. maTgan, vinc miiRo granti, 76%-ma miznobrivad gamoiyena
Tanxa. aseve, grantis armqone pirebisaTvis gacilebiT dabalia profesiul ganaTlebasa da sxvadasxva treningebSi CarTvis albaToba.
kvlevis Tanaxmad, sagranto programis beneficiarebma ara mxolod
miznobrivad daxarjes, aramed efeqtianad gamoiyenes miRebuli Tanxa.
yoveli investirebuli dolaridan erTi wlis ganmavlobaSi ukugeba 1.4
dolars Seadgenda. sakontrolo jgufTan SedarebiT, grantis mimRebma
jgufma 4-5-jer meti daxarja biznesisaTvis mniSvnelovani masalis SeZenaSi. 4 wlis Tavze biznesmasalebis Rirebuleba beneficiarTa jgufSi
51%-iT ufro maRali iyo, vidre sakontrolo jgufSi.
analogiuri kvlevis Sedegebis Tanaxmad, nikaraguaSi Raribi mosaxleobis mxardaWeris sagranto programa mniSvnelovnad zrdis monawileobisa da Semosavlis maCveneblebs da arasasoflo-sameurneo sferoSi
TviTdasaqmebis maCveneblebs. garda amisa, es kvleva mkafiod aCvenebs
sagranto programebis gansakuTrebul efeqts ukiduresad Raribi mosaxleobis jgufze (Macours et al, 2013).
miuxedavad sagranto komponentis efeqtianobisa, mowyvladi jgufebis
ekonomikuri da socialuri integraciis kompleqsuri programebis
dagegmvisas unda gaTvaliswinebuli iyos ramdenime piroba. kerZod:
Tanamedrove kvlevebis Tanaxmad, granti, mikrokreditTan SedarebiT,
ufro efeqtur sawyis intervenciad moiazreba:
sagangebo situaciebis Semdgom periodSi;
qronikuli ekonomikuri krizisis pirobebSi;
naklebad ganviTarebuli infrastruqturis, servisisa da bazris wvdomis pirobebSi;
mosaxleobis gafantulobis SemTxvevaSi;
erTi tipis ekonomikur aqtivobaze damokidebulebis pirobebSi;
barterze damokidebulebis pirobebSi;
mosaxleobis arastabilurobis pirobebSi (iZulebiT gadaadgilebuli pirebiT, ltolvilebiT kompaqturad dasaxlebuli regionebi).
imisaTvis, rom mikrograntis instrumentma efeqturad imuSaos:
guldasmiT unda iyos SerCeuli miznobrivi jgufi - mikrograntebis
sqema unda emsaxurebodes im adamianebs, romlebic ver sargebloben
mirkokreditiT konkretul konteqstSi (magaliTad, ukiduresad
Raribi mosaxleoba an iZulebiT gadaadgilebuli pirebi);
unda iyos erTjeradi da ganixilebodes, rogorc gardamavali etapi
mikrokreditis etapze gadasasvlelad;
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9. mTavari daskvnebi
mikromewarmeobis xelSemwyobi startap grantebi saqarTveloSi dabali socialuri statusis mqone jgufebis dasaqmebisa da Semosavlebis
maCveneblebis zrdis efeqturi instrumentia. programebis ganmaxorcielebeli organizaciebisa da beneficiarebis SefasebiT:
mcire biznesis ganviTarebis sagranto programebi sawyisi kapitalis xelmisawvdomobis gazrdis efeqturi instrumentia, gansakuTrebiT soflad mcxovrebi Raribi mosaxleobisaTvis, sadac,
mikrosafinanso sferoSi mimdinare reformebis miuxedavad, fuladi saxsrebis xelmisawvdomoba kvlav mniSvnelovan problemas warmoadgens da biznesis wamowyebis sawyis etapze sesxi mikrograntis
alternativad ar ganixileba maRali saprocento ganakveTis gamo.
startap grantebi sesxebis xelmisawvdomobis gazrdis winapirobasac warmoadgens, radgan mikrosafinanso programebis warmatebas
mniSvnelovnad ganapirobebs beneficiarebis gamocdileba da kompetenciebi, sawyisi ekonomikuri da socialuri kapitali. am TvalsazrisiT startap granti aris beneficiarebis momzadebis efeqturi
saSualeba, romelic zrdis mikrosafinanso programebSi CarTvis
motivaciasa da am programebSi warmatebis albaTobas.
startap granti efeqturad muSaobs saqarTveloSi, rogorc zrdasrulTa araformaluri ganaTlebis instrumenti. igi mewarmeobisTvis aucilebeli Teoriuli codnisa da am codnis praqtikaSi ganmtkicebas uwyobs xels. es komponenti gansakuTrebiT mniSvnelovania
im fonze, rom sabWoTa kavSirSi formaluri ganaTlebis sistemis
saswavlo gegmebi ar iTvaliswinebda mewarmeobisTvis mniSvnelovani
kompeteneciebis ganviTarebas, xolo mowyvladi jgufebis (gansakuTrebiT ufrosi asakis mosaxleobis) CarTuloba umaRles akademiur da profesiul ganaTlebaSi dReisaTvis mcirea.
donorebisa da beneficiarebis ukukavSiris Tanaxmad, startap
grantebi, aseve, xels uwyobs soflad Temis gaZlierebas - samuSao
adgilebis Seqmnas, servisebis da saqonlis xelmisawvdomobas.
startap grantebis ekonomikur efeqtTan erTad Zalian mniSvnelovania am programebis socialuri efeqti:
programebi xels uwyobs adamianTa mobilizebas (organizebas, stimulirebas) mewarmeobisaTvis da maT mier pirveli nabijis gadadgmas.
mewarmeoba cvlis TviTSefasebas, zrdis sakuTari Tavis imeds
da dadebiTad aisaxeba riskis aRqmaze. dadebiTi magaliTi mniSvnelovania SromiTi motivaciis Semdgomi amaRlebisaTvis; progr34
10. rekomendaciebi
rekomendaciebi sistemuri xasiaTisaa da gankuTvnilia qveynis socialur-ekonomikuri politikis ganmsazRvreli institutebisa da mTavrobisaTvis.
warmodgenili rekomendaciebi efuZneba im mosazrebas, rom saxelmwifom ufro aqtiuri roli Seasrulos mikromewarmeobis ganviTarebaSi
da xeli Seuwyos moqalaqeTa samewarmeo aqtivobas. es gulisxmobs ara
mxolod samarTlebrivi da sagadasaxado regulaciebis Seqmnas, aramed
mikromewarmeobis wamaxalisebeli konkretuli RonisZiebebis Catarebasac. warmodgenili rekomendaciebi gamomdinareobs zemoT aRwerili kvlevis daskvnebidan da Sedegebidan:
1. mikromewarmeobis xelSewyobis saxelmwifo CarCo-meqanizmis
Seqmna
umTavresi SeTavazebaa, Seiqmnas mikromewarmeobis waxalisebis saxelmwifo CarCo-meqanizmi, romelic safuZvels Cauyris mikromewarmeobis xelSewyobis calkeuli saxelmwifo programebis efeqtur ganxorcielebas;
meqanizmi unda moicavdes mikromewarmeobis xelSewyobis ZiriTad
socialur da ekonomikur miznebs, prioritetul miznobriv jgufebs,
programebis mTavar midgomebs da ganxorcielebis gzebs, aseve mikromewarmeobis programebis mqone samTavrobo uwyebebs Soris koordinaciis,
monacemTa Segrovebisa da analizis principebs;
mniSvnelovania, rom erT-erTma saxelmwifo uwyebam SeiTavsos mikromewarmeobis xelSewyobis yvela programis monacemebis mogrovebis,
efeqtianobis kvlevis da politikis Sefasebis funqcia. es xels Seuwyobs
programebis mudmiv srulyofas da mewarmeobis waxalisebis politikis
ganviTarebas;
mikromewarmeobis mxardamWeri programebis analizi gviCvenebs, rom
principuli mniSvneloba aqvs biznesis marTvis sabaziso unar-Cvevebis
ganviTarebis mizniT mikromewarmeebis uzrunvelyofas sawyisi kapitaliT (grantis an subsidirebuli kreditis saxiT) da Sesabamisi saswavlo
Tu sakonsultacio daxmarebiT. Sesabamisad, rekomendebulia, rom CarCo-meqanizmi am komponentebs iTvaliswinebdes;
Zalze efeqtiani iqneba mikromewarmeobis xelSewyobis programebis
ganxorcieleba municipalur doneze. amitom rekomendebulia, rom municipalitetebs mieceT SesaZlebloba, adgilze ganaxorcielon saxelmwifo
uwyebebis programebi.
36
mikromewarmeobis xelSewyoba unda xorcieldebodes CarCo-meqanizmze dayrdnobiT sxvadasxva saxelmwifo uwyebebis mier inicirebuli
programebis saxiT;
yoveli programa konkretulad unda gansazRvravdes miznobrivi
jguf(eb)is moqmedebis gegmas da mosalodnel Sedegebs. aseve, unda iTvaliswinebdes monitoringisa da Sefasebis gamarTul sistemasac, romelic uzrunvelyofs programebis mdgradi ekonomikuri (dasaqmeba,
Sinameurneobis Semosavlis zrda, wili mTlian Sida produqtSi) da socialuri (samewarmeo aqtivoba, TviTSefaseba, kmayofileba cxovrebiT)
Sedegebis gazomvas;
programebi, SesaZloa, xorcieldebodes Sesabamisi uwyebis mier garedan Sesyiduli momsaxurebis gziT, kerZod, saproeqto winadadebebis
konkursiT, romelSic monawileobis ufleba eqnebaT, rogorc municipalitetebs, aseve kerZo samarTlis sxva subieqtebs;
3. gamocdilebis gaziareba da TanamSromloba sazogadoebriv
seqtorTan
38
(; )
- -
- -
proeqtis TiToeul monawiles SeuZlia Seitanos ganacxadi Tanxebze sakuTari biznesis dasawyebad. proeqtis Semdegi nabijia finansuri daxmarebis misaRebad ganacxadis formebis da yvela aucilebeli danarTis
wardgenis saboloo vadis dadgena. ganacxadis formebs afasebs komisia,
romelic iniSneba proeqtis ganmaxorcielebeli organizaciis mier. xdeba axali biznesis registrireba proeqtis ganmavlobaSi. es unda ganxorcieldes am konkretuli proeqtis ganmaxorcielebeli organizaciisgan
finansuri daxmarebis Taobaze dadebiTi gadawyvetilebis miRebis Semdeg. ar SeiZleba finansuri daxmarebis (grantis) gamoyofa TevzWerisa
da akvakulturis seqtorebSi biznessaqmianobisTvis (rogorc es gansazRvrulia evropis Tanamegobrobis sabWos #104/2000 gankargulebaSi).
aris agreTve SezRudvebi soflis meurneobis seqtorSi biznesebisa da
sasoflo-sameurneo produqciis gadamuSavebisa da realizaciisTvis.
nebismieri piri, romelsac aqvs eWvi konkretuli tipis saqmianobisTvis
finansuri daxmarebis mopovebis SesaZleblobasTan dakavSirebiT, unda
gaecnos regionuli ganviTarebis ministris 2008 wlis 6 maisis brZanebis
30-e muxlis me-2 punqts saoperacio programa `adamianuri kapitalis~
farglebSi finansuri daxmarebis gamoyofis Sesaxeb. aRniSnul muxlSi
mocemulia nebismieri gamonaklisebi zemoxsenebuli finansuri daxmarebis misaRebad ganacxadis Setanis SesaZleblobidan.
5. romel sxva Sesabamis momsaxurebas exeba es fondebi: magaliTad,
swavlebas?
RonisZieba 6.2-is - mewarmeobis da TviTdasaqmebis xelSewyoba da stimulireba - farglebSi gaTvaliswinebulia Semdegi usasyidlo daxmareba,
romelic unda gaewios pirebs, romelTac surT axali biznessaqmianobis
dawyeba (maT Soris kooperativebisa da socialuri kooperativebis Camoyalibeba):
fondebis gamoyofa mewarmeobis ganviTarebisTvis (maT Soris kooperativebisa da socialuri kooperativebis formebisTvis, im pirobiT,
rom kooperativis yvela wevrs dawyebuli aqvs biznessaqmianoba erTi
proeqtis farglebSi) 40,000 polonuri zlotis maqsimalur Tanxamde
erT pirze (da 20,000 pirze kooperativebisa da socialuri kooperativebis SemTxvevaSi). grantma SeiZleba dafaros axali biznesis wamowyebis RirebulebasTan dakavSirebuli xarjebis 100%. arsebobs sakuTari finansuri resursebis gamoyenebis an naturiT Senatanis gakeTebis
SesaZlebloba. granti gaicema or calke tranSad. pirvel tranSs ixdian
mTliani miRebuli grantis 80%-is odenobiT. darCenil nawils gascemen
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axali biznessaqmianobis registrirebasa da dawyebaze gaRebuli xarjebis asanazRaureblad. es niSnavs, rom proeqtis beneficiarebma unda
Seitanon sakuTari resursebi, romlebic anazRaurdeba yvela gaweul
xarjTan dakavSirebuli saboloo angariSsworebis Semdeg. granti SeiZleba gamoyenebul iqnes kapitaluri danaxarjebis (maT Soris ZiriTadi
saSualebebis, saremonto da samSeneblo samuSaoebis Rirebulebis) da
likvidur aqtivebTan dakavSirebuli xarjebis (romlebic damtkicda,
rogorc aucilebeli am konkretuli biznessaqmianobis dasaarseblad da
saTanadod iqna dasabuTebuli ganmcxadeblis mier) dasafarad. finansuri daxmarebis meSveobiT SeZenili likviduri aqtivebis (sabuRaltro
aRricxvis Sesaxeb 1994 wlis 29 seqtembris kanonSi mocemuli mniSvnelobiT) saerTo Tanxa ar unda aRematebodes gamoyofili daxmarebis 40%-s.
damxmare xelSewyoba (e.w. `brijingi~), romelic gaicema 6/12 Tvis
ganmavlobaSi kontraqtis xelmoweris dRidan, moicavs: a) `brijingis~
finansur xelSewyobas, romelic unda gadaixadon yovelTviurad im
minimaluri yovelTviuri xelfasis odenobiT, romelic arsebobda `brijingis~ kontraqtis xelmowerisas; b) trenings da konsultaciebs grantis efeqtianad gamoyenebasTan dakavSirebiT (mxolod im monawileebisTvis, vinc axali biznessaqmianoba am konkretuli proeqtis farglebSi
daiwyo). `brijingis~ ZiriTadi daxmareba gaicema proeqtis im beneficiaris TxovniT, vinc waradgina ganacxadis forma. `brijingi~ beneficiarisTvis xdeba 6 Tvis ganmavlobaSi xelSekrulebis dadebidan da aRniSnul daxmarebasTan dakavSirebiT kontraqtis xelmoweridan. zogierT
mizanSewonil SemTxvevaSi da aseve beneficiaris TxovniT `brijingi~
SeiZleba 12 Tvemde gagrZeldes. proeqtis ganmaxorcielebel organizaciebs aseve SeuZliaT zogierT mizanSewonil SemTxvevaSi daTanxmdnen proeqtis beneficiaris mier gaweuli xarjebis anazRaurebas biznessaqmianobis registrirebidan `brijingis~ xelSewyobis Taobaze
kontraqtis xelmoweris TariRamde drois periodSi. Cveulebriv, `brijingi~ SeiZleba gamoyenebul iqnes registrirebisa da biznessaqmianobis dawyebis Semdgomi periodisTvis. `brijingis~ xelSewyoba SeiZleba
mieniWos warmodgenili ganacxadis formis safuZvelze da mas SeiZleba
hqondes Semdegi formebi: specifikuri konsultacia - treningiT momsaxureba an finansuri daxmareba, romelic gaeweva yovelTviurad im
minimaluri yovelTviuri xelfasis odenobiT, romelic arsebobda `brijingis~ kontraqtis xelmowerisas, konkretul axlad daarsebul biznessaqmianobasTan uSualod dakavSirebuli Tviuri xarjebis dasafaravad.
`brijingis~ finansuri xelSewyoba SesaZlebelia gamoyenebuli iqnes
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rom proeqtebi Cveulebriv xorcieldeba im axalgazrda unarSezRuduli adamianebisTvis, romlebsac aqvT maRali safexuris an umaRlesi ganaTleba da romlebic uvlian bavSvebs da maT kmayofaze myof sxva pirebs.
rogorc proeqtebis ganxorcielebis procesSi, ise maTi dasrulebisas
xdeba sxvadasxva monacemTa monitoringi da grovdeba Semdegi saxis informacia: ramdenma adamianma miiRo sargebeli am proeqtidan (maT Soris,
xdeba klasificireba asakis, sqesis, sacxovrebeli adgilis, ganaTlebis
donis mixedviT), ramden adamians gamoeyo finansuri daxmareba da sxva
saxis daxmareba, ramdeni damatebiTi samuSao adgili Seiqmna, ramden xans
warimarTeboda axali biznessaqmianoba, rogori Sedegebi aqvs mas da a.S.
garda amisa, xdeba iseTi aspeqtebis Seswavlac, rogoricaa beneficiarebis kmayofileba proeqtiT, miRebuli daxmarebis Sefaseba, treningamde da konsultaciebamde arsebuli codnis donis Sedareba miRebuli
codnis donesTan da a.S.
JeSuvis regionuli ganviTarebis saagentos mier RonisZieba 6.2-is proeqtebis beneficiarebis Sesaxeb Catarebuli kvlevis mixedviT, axali
biznessaqmianobis wamowyebaSi yvelaze didi daxmarebis gamwevad da sasargeblod miiCneva usasyidlo grantebi. rac Seexeba proeqtis monawileTa asaks, yvelaze mravalricxovani jgufi moicavs 25-34 wlis, aseve
45 welze ufrosi asakis pirebs. xolo rac Seexeba proeqtis monawileTa
ganaTlebis dones, maT umetesobas aqvs maRali safexuris an umaRlesi
ganaTleba. proeqtebis teritoriuli gavrcelebis mxriv, monawileTa
umetesoba urbanuli teritoriebidanaa.
dRemde yvelaze gavrcelebuli mizezi imisa, Tu ratom SeaqvT
ganmcxadeblebs ganacxadi daxmarebis zemoxsenebuli formebis misaRebad, aris maTi survili, moipovon Tanxebi, romlebic miscems maT SesaZleblobas, wamoiwyon axali biznessaqmianoba. mewarmeoba gadamwyveti
faqtoria socialur-ekonomikuri ganviTarebisTvis da arsebiTi piroba/winapiroba qveynis ekonomikis konkurentunarianobis misaRwevad.
biznessaqmianobis pirobebis gaumjobesebisken mimarTul RonisZiebebs
Tavisi wvlili Seaqvs ekonomikis konkurentunarianobis gaZlierebaSi,
samuSao adgilebis SeqmnaSi da umuSevrobis donis SemcirebaSi.
podkarpaties savoevodoSi 2007 wlidan 2013 wlis martamde periodSi
10 766 pirma miiRo granti axali biznessaqmianobis wamosawyebad. SedarebisaTvis: imave periodSi mTel qveyanaSi 148 603 pirs mieniWa Tanadafinanseba.
45
48
49
hamlet kapanaZe we
rovanis devnilTa CasaxlebaSi meoTxe welia
meuRlesTan, or qaliSvilTan da SviliSvilTan
erTad cxovrobs. axalgazrdobis wlebi cxinvalSi gaatara, samaCablos omis Semdeg sofel
avnevSi dasaxlda da 2008
wlis agvistos movlenebamde iq cxovrobda. batoni hamleti qarTul-osuri ojaxidanaa. dediT osia da osi erovnebis
naTesavebis garemocvaSi gaizarda. meuRle - qalabatoni nunu yandareli
avnevis skolaSi rusuli enis pedagogad muSaobda.
hamlet kapanaZes sofelSi didi avto-saxelosno darCa, sadac xuTi
Tanasofleli hyavda dasaqmebuli. omis Semdeg samsaxuris Zebna Tbilisis avto-saxelosnoebSi scada, Tumca, samuSao iaraRebis uqonlobis
gamo mcdeloba uSedegod dasrulda.
2011 wels USAID-is sagranto ganviTarebis programis farglebSi konsultaciisa da treningis centris mier gamocxadebul konkursSi miiRo
monawileoba. konkursis yvela etapi warmatebiT gadalaxa da dafinansebac miiRo. `Cemma ramdenime mezobelma am proeqtis daxmarebiT mcire
biznesi wamoiwyo, swored maT mirCies konkursSi monawileobis miReba.
konkurencia Zalian didi iyo da gamarjvebas ar velodi. grantis TanxiT
kotejis gverdiT saxelosno kapitalurad movaSene da samuSao iaraRebi
SeviZine. iaraRebi sakmaod Zviria da rom ara granti, sakuTari ZalebiT
maT SeZenas ver movaxerxebdi~, - ambobs batoni hamleti. dafinansebis
Semdeg klientebis raodenoba mniSvnelovnad gaizarda da xSirad rigSic
uwevT yofna. gasul wels ramdenime avtodilerTan molaparakeba Sedga
da axla ukve yovelTviurad 10-15 gasayidi manqanis SekeTebas uzrunvelyofs. ojaxis materialuri mdgomareoba gaumjobesda, danazogiT saxlisTvis personaluri kompiuteri, saojaxo teqnika da aveji SeiZines.
dafinansebidan erTi wlis Tavze batoni hamleti sakuTar wamowyebas
warmatebulad afasebs. Tvlis, rom Tu adamians Tavisi saqme uyvars da
Sroma ar ezareba, yvelafers miaRwevs. ocnebobs, patara SviliSvils Tavisi xeloba Seaswavlos da momavalSi erTad izrunon biznesis ganviTarebaze.
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gamoyenebuli literatura:
Hossain, N. and Zahra, N . 2010. Poverty Reduction and MDG Localization: a case study of the IGVGD
Programme in Bangladesh
Morduch, J. 2001. Analysis of the Effects of Microfinance on Poverty Reduction
European Commission. 2010. Financial exclusion Ensure an adequate access to basic financial services
Parker, J. and Pearce, D. 2001. Microfinance, Grants, and Non-Financial Responses to Poverty Reduction: Where Does Microcredit Fit? Consultative Group Focus Note No. 20.Washington, DC. World Bank
Macours. K., Premand, P., Vakis, R. 2013 Demand versus Returns? Pro-poor targeting of business
grants and vocational skills training . The World Bank. Latin America and the Caribbean Region. Poverty, Gender and Equity Unit
Fiszbein, A.m Kanbur, R., Yemtsov, R. 2013. Social Protection, Poverty and the Post-2015 Agenda.
The World Bank Human Development Network Social Protection and Labor Department. Policy Research Working Paper
Nenova, T. 2009. Bringing finance to Pakistans poor : access to finance for small Enterprises and the
underserved. The World Bank.
The World Bank 2013. From Evidence to Policy: If you give the poor cash, does it help? Policy Breif.
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SeniSvnebi
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proeqti `mikromewarmeoba, rogorc siRaribesTan brZolis saSualeba~ xorcieldeba aRmosavleT-dasavleTis marTvis institutis (EWMI) programis
- saqarTveloSi sajaro politikis, advokatirebisa da samoqalaqo sazogadoebis ganviTareba (G-PAC) farglebSi. proeqtis ganxorcieleba SesaZlebeli
gaxda amerikis xalxis gulisxmieri mxardaWeris Sedegad, amerikis SeerTebuli
Statebis saerTaSoriso ganviTarebis saagentos (USAID) dafinasebiT.
The project Micro Enterprises as a Tool for Fighting Poverty is implemented in the framework of The
East-West Management Institutes (EWMI) Policy, Advocacy, and Civil Society Development in Georgia
(G-PAC) Program, funded by United States Agency for International Development (USAID). The brochure/study is made possible by the generous support of the American people through the USAID.