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내년 1월부터 신청…최대 2000만 원 운영자금 대출 괴산군청/뉴스1 
(괴산=뉴스1) 이성기 기자 = 충북 괴산군은 내년부터 저신용 소상공인 대출이자 지원 사업을 한다고 29일 밝혔다.
이 사업은 신용도가 낮아 제도권 금융 이용이 쉽지 않은 소상공인을 대상으로 미소금융 충북청주법인을 통해 운영자금 대출을 받으면 이자의 일부를 군이 지원하는 방식으로 운영한다.
지원 대상은 괴산군에 사업장을 두고 실제 영업 중인 개인 소상공인이다.신용평점이 KCB 기준 700점 이하 또는 NICE 기준 749점 이하이면 신청할 수 있다.
괴산군에서 영업 중인 개인 소상공인 가운데 차상위계층 이하이거나 근로장려금 수급자도 지원 대상이다.
대출은 미소금융 충북청주법인을 통해 업체당 최대 2000만 원까지 운영자금으로 실행한다.대출금리는 연 4.5%이며 대출 기간은 최대 5년 이내 원리금 분할상환 방식이다.
군은 이 가운데 연 3%의 이자를 최대 5년간 지원해 저신용 소상공인의 금융비용 부담을 낮출 계획이다.
신청은 내년 1월 1일부터 예산 소진 때까지 받는다.상담과 대출 신청은 미소금융 충북청주법인을 통해 진행한다.대출 여부는 해당 법인의 별도 심사를 거쳐 결정한다.
군은 이 사업과 함께 충북신용보증재단과 농협은행 괴산군지부 협약을 기반으로 일반 소상공인을 대상으로 한‘괴산형 소상공인 육성자금’사업도 추진할 예정이다.
송인헌 군수는 "이 사업은 금융 접근성이 낮은 저신용 소상공인의 실질적인 이자 부담을 덜어주기 위한 정책"이라며 "일반 소상공인 금융지원 사업과 함께 추진해 지역 소상공인의 경영안정과 지역경제 회복에 도움이 될 것으로 기대한다"고 말했다..
Backed by research
See how it works
At-home biofeedback training
Muse is a research-grade EEG headband that acts as your personal meditation coach. Advanced sensors accurately measure your biosignals, while gentle audio cues deliver real-time feedback to bring your focus back to the present.
Train
During the session, Muse gives you real-time audio feedback based on your brain activity, teaching you how to master your mind and gain more control over your focus.
Track
Muse’s sensors passively measure your brain activity, heart rate, breath, and body movement. Refer back to this data whenever you want.
Transform
Studies have shown that over time this practice can improve your ability to focus, reduce stress, and enhance self-awareness.
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- Lack of focus & productivity
- Mind wandering / mental noise
- Interrupted sleep
- Anxious & restless thoughts
- Inability to wind down & relax
Life with Muse
- Better focus and clarity*
- Better able to handle stress*
- Feeling calmer and more relaxed*
- Better emotional regulation*
- 20% better sleep quality**
- Data-driven insights & progress in real time
*Based on Muse customer research conducted April 2021
**A 2021 study by Cambridge Brain Science, Western University, Hatch, and Interaxon that used Muse S sleep support technology showed a 20% improvement in Pittsburgh Sleep Quality Index, relative to controls wanting to improve their sleep.
Does Muse actually work?
MDs, neuroscientists, press & real users share their results
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The Muse S rocks!
This is without question the absolute coolest self-care item I have ever purchased. Even without the sleep tracking, I still feel this statement holds true. However, sleep tracking takes this product over the top. I highly recommend it to anybody who wants to improve their meditation practice, overall mindfulness, and sleep habits.
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I love this device
I love this device; I practice meditation with it everyday and also I do neurofeedback using Mindlyft. I am a day trader and really helps me in my daily routine.
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A Divine Choreography
I'm really excited to have a Muse S. I'm just getting acquainted with it, but it's been easy to learn and navigate so far. The support for sleeping couldn't have come at a better time, as my physician is getting patients off of sleep aids. I have yet to experience the Creativity programs but am anxious to do so because I've designated this year, 2023, to bolstering that part of my life. My connecting with Muse feels like a Divine Choreography -- perfect timing!
- Find focus in the noise: Learn the skill of focused-attention to boost mental acuity, find calm, and sharpen focus.
- Muse translates your mental activity into the guiding sounds of weather, teaching you how to rein in a wandering mind.
- Busy mind? Stormy weather. Calm mind? Peaceful weather.
- Relax your restlessness: Learn the art of stillness to support a grounded and centered practice.
- Let the sound of gentle wind chimes guide you as you adjust into a grounded and balanced position.
- The chimes will help build your awareness of your posture and body movement.
- Build confidence & control: Learn how to pace your breath to either energize or relax your mind and body.
- Discover how your breath can be a powerful tool to gain confidence, fight stress, or build energy.
- Guided ambient music responds to your breathing rhythm.
- Turn anxious into energized: Learn how to slow down your heart rate to optimize performance and reduce stress.
- Your ability to synchronize your heartbeat can help you find stillness and calm.
- Master the peaks for more consistent stamina, and to find stillness and calm.
Worth the hype.
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A sleep lab at home
Your Muse headband is more than just a brain training coach. At night, it guides you into a deep, restful sleep by responsive bedtime stories designed to help you shut off your busy mind and prepare you for bed.
Muse's sleep experiences use innovative smart-fade technology to cue your brain to sleep, and fall back asleep if you wake up through the night.
Plus, it tracks how deeply you sleep and the time you spend in different sleep stages and positions, so you can use these insights to build strong sleep habits that last.
Master your mind with expert content
Start today by downloading the Muse app.
- 500+ expert-led guided meditations
- Dashboard view of progress and rewards
- At home sleep lap, with sleep score
- Courses and collections for specific life situations
