Moreover citizens hold a deep-rooted Soviet-era mistrust in the banking system, and little to no financial literacy. Strazhesko 5 . 1 0 obj ISSUANCE DATE: 12/18/2020 3. 14 Name of Subaward Activity: Program of StateGeoCadastre’s реформи Держгеокадастру агробізнесомReform Support by Ukrainian Agribusinesses and Rural Communities Програма USAID з аграрного і сільського Make a general inquiry or suggest an improvement. This partnership will leverage private sector investment and expertise to increase the efficiency and quality of milk production, which will improve competitiveness of Kyrgyz farmers. Banks have daunting loan application procedures and an inability to properly assess credit risks. The Kyrgyz Agro-Input Enterprise Development (KAED) project, financed by USAID for $24 million and implemented by the International Fertilizer Development Center (IFDC), has been operating in Kyrgyzstan since September 1, 2001. US Agency for International Development. Joined 2013 Objectives. usaid с ассоциацией Ягодоводство Украины запускают новую инициативу для плодоовощного сектора Украина 01 августа 2020. endobj 2 0 obj March 31, 2013 . BISHKEK – From August 9-10, USAID’s Agro Horizon Project (through Public Association “Agro Lead”) sponsored business-to-business meetings in Bishkek and Osh for agricultural producers. AgriAnalytica also helped organize a National Center on AgroFinance with regional branches in Lviv, Kherson, Kharkiv, and Dnipro, which provides consulting services to increase farmers’ access to finance and close the information gap between farmers and government officials. This memorandum addresses that question, and provides the AgroInvest Project’s analysis of the extent to which USAID/Ukraine might help to contribute to the FTF Initiative. Сприяти комплексному і стійкому економічному зростанню шляхом розвитку сільського господарства України Програма USAID з аграрного і сільського розвитку - АГРО. Status . 01 introduced by this Amendment 1 are highlighted in yellow) Confectionary and Selected Consumer Food … A Request for Applications (RFA) for implementation of piloting the megacommunity approach in Ukraine for the USAID Agriculture Growing Rural Opportunities (AGRO) Activity in Ukraine. Office of Inspector General. The AgriAnalytica platform also benefits lenders. Програма АГРО запрошує подавати заявки на одержання субгранту для реалізації програми «Міні-фермерство для молоді у сільській місцевості». MEMORANDUM. У Програму #USAID_AGRO шукаємо Перекладача для виконання письмових та усних перекладів. Address; Telephone; Opening Hours; Alerts; Contact The Business; Videos; Category. 11:00 1888 40 Followers•0 Following. 01 (Changes in APS No. Agro-Input to Production Expansion. POSITION TITLE: Development Program Specialist 5. 01 (Changes in APS No. endobj Some may argue that communication at these levels was overkill, but in such a rapidly evolving situation where new information and developments were happening on an hourly basis, there is no such thing as too much communication. : 72012120R16 2. Home » Where We Work » Europe and Eurasia » Ukraine » Newsroom The Country Development Cooperation Strategy (CDCS) identifies the main development challenges for Ukraine as the centralization of power in the Executive Branch and poor government effectiveness. AGRO will hold a pre-application on-line workshop on December 09, 2020 from 10.00 am to 12.00 pm local Kyiv time. Kyiv University of International Relations . Active. x��=�r����?�Gq+ .̸T��!%�7��9�'4E�,��BRv����@��@q��3�F߁~}z�x����q������Nj˟�>�~|��{|������>_��������������_~z�[�����ONV��տ^����_�+e��'���z������}�b����߱�y��Ǘ/�y�_��0������r�Íy���z���|p��^���ۗ/~|Ŏ����^�xk>�/_���k����� PD�G�c'�2�����l�z�=��ξ;_�O��Qsݱq��{ӕo�8�z���+�@|���"��5v�r���bź�̬f���!~��b��{.�O~vr�᯶�k�.e/{����_y����{{O���w�-m�%-F��}�����=�������Sw�`��M�p#3P�/�����a0�&08��@�E84�IDTN��̥(�%c���J��Ϩ��h|ui�=^�W��_������_�GL���_��o��/�߽�wa���W��棂��~������y4[��Lƥ}�2�Ҳ���?o�� u7*�^O�4�0 ��`�"�Pn���Ww��s����~�_vR.=�-�m��������M�z���Ǒ�ܟ�wow���0���Ϲ��ݍ+��:�� ��pi�\�g5u�6� ����n��H[,G�� 0��Rc'������ӽi?hh��g�2n�b�toI������K��~��]�����r��C`p�!º����c& [���t���sep��w �'d8V2N �0���" ��ɡf��5 +�dz^��HF��#W�l��%I�����'��Ҩg���Ta��͆�S��J�T*���t��ʁ� O,�?�W�5J���t_z�#��^ȮE�#��܌� 9�u��s���\r��ɱ$�+?��6�HG� g���!v�$fq���z�p@����͆ 8.1K likes. 1 USAID’s Agriculture Growing Rural Opportunities Activity in Ukraine (AGRO) Request for Applications (RFA) No. Open/Close Menu. USAID/Ukraine. GENERAL INFORMATION 1. (RFA) No. 1��57*UbHS7HӞ�N����L-I�wl��κm�x��-8Q�#���_���kjN�����V@��O��z��PcZ��QX�b��?7���?�wi(�!Q^�b+���)uG@�ސ��C��^#�G�{�|4��l��� 5����.�o�����[Q5-�*5t���&�?�P�f8ɽ��E����pz���Sڜ��f�п�v�>��>|���L��� 17 Improving access of agricultural MSMEs to innovative solutions Програма USAID з аграрного і сільського May 21, 2020 The United States, through the U.S. Agency for International Development (USAID) has committed an additional $1 million to support Ukraine’s response to the COVID-19 pandemic. SAID’s AGRICULTURE GROWING RURAL OPPORTUNITIES ACTIVITY IN UKRAINE (AGRO) Deputy Chief of Party Background: USAID’s Agriculture Growing Rural Opportunities in Ukraine (AGRO) Activity is a five-year cooperative agreement between the United States Agency for International Development (USAID) and Chemonics International, Inc. Сприяти комплексному і стійкому економічному зростанню шляхом розвитку сільського господарства України %���� Технічне … HO-01, Ukraine AGRO – Piloting Megacommunity Approach A description of services requested A Request for Applications (RFA) for implementation of piloting the megacommunity approach in Ukraine for the USAID Agriculture Growing Rural Opportunities (AGRO) Activity in Ukraine. The U.S. Agency for International Development (USAID) has launched the Agro Horizon Project to promote agricultural productivity and diversification in the Kyrgyz Republic. After attaining independence in 1991, Ukraine undertook inconsistent reforms toward becoming an efficient market-based economy. Explore USAID Ukraine's 4,557 photos on Flickr! Ukraine plays a critical role in the United States Government’s efforts to help the countries of the former Soviet Union to establish democratic institutions and free … This workshop will allow eligible and �T�x���� U.S. Agency for International Development, The Journey to Self-Reliance: Ukraine Roadmap, USAID’s Agriculture and Rural Development Support (ARDS) activity. Наша місія: спільно з партнерами, долати крайні форми бідності та сприяти розвитку стійких демократичних суспільств поряд з підвищенням нашої власної безпеки й добробуту. USAID supports a competitive economy in Ukraine in which small and medium-size businesses are free to achieve their potential. Participants learn how to use the platform, bookkeeping basics, and business planning skills. rR�\��"������9�Ļ�� �g��ԍc��$d���vg�� USAID’s Agriculture Growing Rural Opportunities Activity in Ukraine (AGRO) Request for Applications (RFA) No. USAID/Ukraine work with Chemonics International Inc. to provide and document training for AgroInvest staff on relevant USAID regulations for the awarding of subawards, such as conducting environmental review and assessment checklists. Find business and funding opportunities. 270th Mobile Simulation Training Group. USAID Agro Horizon Project has leveraged over $22.4 million in private sector investment capital to increase production and sales of fresh and processed agricultural products. “Banks require transparency and are not willing to provide loans to farmers because farmers lack or have poor quality bookkeeping and do not have business plans, which was the first tool we developed.”. Federal Grant Opportunity for Agriculture Growing Rural Opportunities (AGRO) Activity in Ukraine 72012119RFA00005. Astarta-Kyiv is one of the most extensive vertically integrated agro-industrial holdings in Ukraine. usaid с ассоциацией Ягодоводство Украины запускают новую инициативу для плодоовощного сектора Украина 01 августа 2020. USAID’s Agriculture Growing Rural Opportunities Activity in Ukraine (AGRO) Amendment 1 to Annual Program Statement (APS) No. Description . Представники USAID_AGRO готові відповісти на всі запитання під час онлайн семінару 7 вересня 2020 р. Підтвердження участі до 03 вересня 2020 р. на адресу agro… The AgroInvest project aimed to accelerate and broaden economic recovery in Ukraine and contribute to global food security efforts by creating a more inclusive and competitive agricultural industry. In Ukraine, enabling environment reforms and agriculture sector gains are vital for economic growth. This tool is especially valued during the COVID-19 outbreak. As farmers succeed, they spread the word about AgriAnalytica, which helps us fulfill our goal of reaching as many farmers as possible,” explained Ms.Tymoshenko. The AgriAnalytica platform has a simple-to-use dashboard, complemented by an online loan application. USAID/Ukraine has asked the AgroInvest Project Team to explore Ukraine’s potential to participate in President Obama’s Feed the Future (FTF) Initiative. 01 introduced by this Amendment 1 are highlighted in yellow) Confectionary and Selected Consumer Food … It provides a quick, streamlined process to analyze loan risks, allowing them to respond as quickly as within 24 hours, saving both farmers and lenders much time and resources. MARKET … This is especially true of small-plot, family subsistence farmers, growing one or two cash crops and lacking credit histories. Shortcuts. ]�}d� '��G�J1�H`�wtV��d�����0I��P8��}̰mZځ�xu�c��b��&6�sgF@��t�u׆���;�*��G�,�h]�T�J�#�P`|[���@��JXA�gJ�iT�z#��ʇ,/*���iD In addition,the platform allows the applicant to select as many lenders as s/he wants to submit the loan application to as well as to subsequently monitor its progress through all  stages of the approval process. 4,557 Photos. The Center has helped 366 farmers receive individual consultations and 297 obtain loans totaling $5.5 million. Mariupol City Council The USAID Economic Support for Eastern Ukraine project aims to stabilize the economic situation of conflict-affected areas in eastern Ukraine, especially in … �?��O9 ��&���)�e�-*:�wn`�2H�Z� ���[�T�����My�m�^It������x�.�r�'�I[���ϬE�X#0n�j��a�w5d9 ��م�1�h��,�Md�g(2�� w���� �wP6�.���Ät��4�u�L׼G�1���+\CD�:X��9��u蘘��u��N���hQS'���vZ��81 “Securing financial resources is a very serious issue for small Ukrainian farmers,” says Ms. Tymoshenko. <> ��s�\#ֻ�MQ��> 铩٘(�\{����}���jpІ) �|���K�Y�� ���<7�eM8����p�p�A����O,���;O,�~�sa The USAID Agriculture Growing Rural Opportunities (AGRO) activity cultivates national and grassroots […] USAID is committed to helping mitigate the effects of COVID-19 in Ukraine and around the world. Ukraine is undergoing a transformation driven by the need to access more competitive markets. “It’s a win-win situation. Royal Garden cattery. Learn how you can get involved and lend a hand. Government Organization; Nearby government services. ... Agro-Investment Corporation AMC Complex, 188 Spanish Town Road Kingston 11 PO Box 144, Jamaica, West Indies ��e�� 's-��3�|@4��ʀ\40t1�Jw��������@�(�l2�ÕgH����pRxy#Z���}��4d��D�G=`�%�jr٠7-������Bt� �6g=�����I���_�"���v�����T�U�?�֟���;z[>����y��ܫ�p��r֜����6�Ety�om����[�k�nN��L��^vyy�C�=�#SK��}�/|jLe�Y�n�����-�u�+�`��o�8�q�X+���s�_kF�3�8�o�����m&x�a#��W�<5�F��,�ڸ�l^5������.Krw^�By�����i�,�>���-���������i�I]믁�3�-+�G����f"�N!�1��n�Av��G�e���V����Ɗ'���vILаhNX���sp�T�hJ�N ��nP� s��ؕ˕w\&��f�m�|6��u�fVa�Ρd�u7>c�\aϡ�0#��Z�鷠A�݂��S���ݟ�l~w/¯�NJ,N�� )����7Z�P�owO�C��Z��y��_ '�KHE��x@�=��ly@��L�j�Jw1�͓|/;]�"������a�Z�RuT���7�,��@f�"�W|qh3QԠi�g�ԭ��S"�HiJġn��v/����G����I� �"ON���=>;��ݦi.-��mT���ʫ@b�vthKq'f�C�U�����r�+�}nП��[�/P�c��`Ȃw�/��=�+Ψd�q����m�E ��|��|������� ��~�����y��X����d��l11��p�L��n�WB��w_�yE�n�A������~@Gҵwo �A��S�~qZM �ʸ���ۋ�~�jar��`�h�� Ά������c�ܛ��5K��M�y�#@ϭɪM@}����؟�:r�8����_�����|���w̙��0��4��ܸ�����k���HC��,��s5QS.q1�oy��M�p�zV�D"O���xs/�����KY��F_!�)_·,���xb,�&�?�����߾�}��{����tG5o�\o׈��wf�Z���G$4�1M�p�_��:24X�x�,>;q����.�Pm�=6��Ip�lZ��X$> Find out about career opportunities at USAID. <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 32 0 R 33 0 R 34 0 R 35 0 R 36 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> USAID’s 2019-2024 Country Development Coordination Strategy calls for a specific focus on anti-corruption efforts, countering the impacts of Russia's aggression, and promoting economic development and energy security in ak. 11 Winter school for GESI target group Програма USAID з аграрного і сільського розвитку (АГРО) Запит на подання заявок (ЗПЗ) на одержання субгранту № 11 Due to AgriAnalytica, USAID ARDS private sector partner, Ukrainian farmers can apply for loans online and get a preliminary decision from banks in 24 hours. With USAID support, the Government of Ukraine recently achieved several milestones, including introducing an electronic TO: USAID/Ukraine Mission Director, Jed Barton FROM: Acting IG/A/PA Director, Nathan Lokos /s/ SUBJECT: Audit of USAID/Ukraine’s AgroInvest Project (Report No. A team from USAID Framer to Farmer is presently at Minard Estates providing technical assistance in farm tractor operation and maintenance from February 3 – 13, 2020. stream The country’s shift toward a more authoritarian political system, which resulted in its being downgraded in Freedom House’s 2011 rankings to “partly‐free,” complicates bilateral relations. �����0�U�TE(?G�#B�O�S��$>q4�;]my^t�W n�2�j�%V��m�� ���lؠxTu�K���r���Zl~l�����`��pˢ�.�r6�&U�:U�Ze�U��^o���I�ǎ�� ��?᯿;ߦ� ӳ�� �N�}tl(��1�6v���‚�2��5���"�W�zNm�bgU���}�j ܣ��Ǚ�^&�kV��ԏH��@Acp����ܨ ʏ��(;U��s[��x����ړ4K�-�4�Sf��i��L/`�Z�w�������ķ��o��+���ڔ�l�G;t�f(d��. It also includes information on how to obtain financial support from the state, banks, and other institutions, and has tools to  assist farmers in developing their business plans, which are required to obtain a loan and prove creditworthiness. Particularly in eastern and southern Ukraine, there is an economic decline of industry, and isolated rural communities have limited access to markets throughout the rest of Ukraine and Europe. Ms. Tymoshenko and USAID saw an unmet demand and decided to develop AgriAnalytica, Ukraine’s first streamlined, full service, online digital financial platform, which provides farmers with a one-stop-spot to develop their businesses. SOLICITATION NO. accordance with USAID and US Government regulations governing subawards under cooperative agreement and Ukraine AGRO’s internal subaward management policies. �6�2�4�E1�d���8� c�C�����71�A�WFp�a'K�ǘ���x�B��&K�n��Gļr@)�4w8�>���=�Wަ�K�>&m����N'5k�?7a�K?�G�'��[�i�6�C� �!�o����Y?u�3�c��Ա�E��>3:��Ȥ;�+3j���,P�%T����Xa��\NӿA `�+*�l�ڪUl�_������?c�;��ʐx�+��%�����ٵ 3�����O�_���[m\J�׃{��ws-l��~? Summary Liudmyla Tymoshenko, an expert in agricultural economics with years of experience with the World Bank and financial institutions in Ukraine, Oman and Australia, initially won a competition to conduct a financial literacy training for farmers that USAID’s Agriculture and Rural Development Support (ARDS) activity had organized. In finalizing the report, we considered your comments and included your response in … ��Pl������*��(�� Xm���'�ܹt�m^ sc�"ҥb�4K\v��`��E��e��w���$��#�!��;L(v7IR_W�f��v�g�rH�?4,T�;濞�&C���\F.�M���_���(LpLo���#6�w��1l�k�3��W�5C�����s�O�Pӌt����LS u��>�ٷ�<6uT6�=��!c�{�W�|�h��K��a��pyx\0a����N� As part of this analysis, USAID/Ukraine should vet the concept with appropriate U.S. Government officials at the Embassy and document the results. USAID/Ukraine conduct an independent analysis of the field association concept to determine whether it is in line with the strategic priorities of the U.S. Government for the independent states of the former Soviet Union. Comment. An anticipated 42,613 households are expected to benefit from these partnerships. Websites. Програма USAID з аграрного і сільського розвитку - АГРО. Submissions go to 21 banks and credit unions that provide agri-lending. These commodities are one piece of the U.S. Government’s larger effort in Ukraine to provide medical professionals with the tools they need in dealing with COVID-19,” explained USAID/Ukraine Mission Director Jim Hope. Due Jul 2, 2019. The AgroInvest project aimed to accelerate and broaden economic recovery in Ukraine and contribute to global food security efforts by creating a more inclusive and competitive agricultural industry. I'm excited to announce the launch and present our new LinkedIn account for USAID AGRO Program! Communications and Outreach Advisor at USAID AGRO Ukraine 453 connections. The changes underway are a result of the loss of traditional markets in Russia, Crimea, and the urbanized areas of Donbas and the recent opening of an agricultural land market in rural areas. It began on November 15, 2019. 4 0 obj Despite government incentives in Ukraine, loan rates remain high (16-18 percent). <>/Metadata 1358 0 R/ViewerPreferences 1359 0 R>> the USAID Ukraine portfolio, point I is purely AgroInvest. Blog ... Communications and Outreach Advisor for USAID AGRO Program Chemonics International Aug 2020 - Present 6 months. USAID’s Agriculture Growing Rural Opportunities Activity in Ukraine (AGRO) Request for Applications (RFA) No. 11 Winter school for GESI target group Програма USAID з аграрного і сільського розвитку (АГРО) Запит на подання заявок (ЗПЗ) на одержання субгранту № 11 This assistance, which will be provided through a Ukrainian NGO, will procure COVID-related commodities, including medical equipment and supplies. Websites. But they are especially important for the agricultural sector, and Together this serves to stymie development of Ukraine’s agri-business. According to the report, Chernyshov thanked USAID mission representatives for their assistance in achieving the main goal of decentralization reform, namely the formation of effective local self-government. The changes underway are a result of the loss of traditional markets in Russia, Crimea, and the urbanized areas of Donbas and the recent opening of an agricultural land market in rural areas. Learn how you can get involved and lend a hand. Africa. Ukraine is undergoing a transformation driven by the need to access more competitive markets. CFDA 98.001 - USAID Foreign Assistance for Programs Overseas Increase productivity of agricultural producers and link them to markets; Access to finance is now even more essential for the country to reclaim its title as the “breadbasket of Europe.”. 11:00 1886 usaid job opportunity announcement #001 date: february 17, 2017 to: all interested candidates from: united states agency for international development (usaid), regional mission to ukraine, belarus and moldova subject: project management assistant Region . Директор проектов usaid «Экономическая поддержка Восточной Украины» Майкл Пиллсбери и президент ассоциации «Украинский клуб аграрного бизнеса» (УКАБ) Алекс Лисситса 21 мая подписали меморандум о сотрудничестве. Enter the terms you wish to search for. The USAID Agro Horizon Project works to increase productivity of agricultural producers and link them to markets, improve access to capital in agriculture, and generate employment. 7.9K likes. USAID/UKRAINE SOLICITATION FOR A DEVELOPMENT PROGRAM SPECIALIST (187K) Solicitation_Program Development Specialist_M&E I. 1 USAID’s Agriculture Growing Rural Opportunities Activity in Ukraine (AGRO) Request for Applications (RFA) No. �}���B}�]%���}���G�Ѕ�̩@��Cp1�����R5Dd�'&��Ug>��x���6�����^�~Z������N�"��cuN ��ۺI��tbT]�ܲ����|8?9f�<0:�����j�۬ Susan K. Fritz began as the Regional Mission Director to Ukraine and Belarus on July 27th, 2016. 9-121-13-002-P) This memorandum transmits our final report on the subject audit. Farmers receive free initial training and consultations on the AgriAnalytica platform, after which they may opt to pay a $200 fee to continue to improve bookkeeping and business plan development skills. In her role, she oversees a Mission of approximately 120 staff managing a portfolio of approximately $965 million in Ukraine and $57.3 million in Belarus. BISHKEK – On November 22, the USAID Agro Horizon project and Oasis Agro, LLC, signed a memorandum of understanding to boost diary production in Osh and Jalal-Abad. Make a general inquiry or suggest an improvement. Access to finance is now even more essential for the country to reclaim its title as the #usaid_agro https://lnkd.in/d5dRj5A Liked by Oleksandr Osovets Yesterday, August 29, 2019 Ukraine got the youngest Prime Minister in the history of county. Additionally the USAID Ukraine Mission regularly sent updates to implementing partners and held more frequent “partners meetings” at the Mission. Farmers in general are loath to access the financial resources needed to participate in the country’s burgeoning market economy. Join to Connect Chemonics International. Act. 3 0 obj �Ĺ{]������FU�R�n����Z-i��J���Ui%�J蓣�ő�Q���� IՑ��t�xBv�d�+�e��!>���I��o2�b����(��z���㢂�]fX���r�׿=s���1�1Vl��qp�ܐ}�2�"{1�PFafF ЍeҁH��;5�nCΎ�z��dj��FN�O��l�1Z�R��V\L�D�}�ʸX��Pe $7J@��ьI�8� 36���0���J��M=� In 2019 alone, 96 farmers developed business plans, 19 received interest-free Ukrainian State Farmers Fund loans totaling $308,000, and another 190 obtained Ukrainian bank loans totaling $96.3 million. USAID’s Agriculture Growing Rural Opportunities Activity in Ukraine (AGRO) Amendment 1 to Annual Program Statement (APS) No. <> USAID’s Agriculture Growing Rural Opportunities Activity in Ukraine (AGRO) Request for Applications (RFA) No. The USAID Agro Horizon Project is a key component of USAID Kyrgyz Republic’s overall economic development program designed to accelerate the growth of diversified and equitable economic growth in the Kyrgyz Republic. USAID’s AGRICULTURE GROWING RURAL OPPORTUNITIES ACTIVITY IN UKRAINE Translator / Interpreter Background: AGRO is a five-year activity funded by the United States Agency for International Development (USAID) and implemented by Chemonics International, a global consulting and international development firm. endobj ... USAID Agriculture and Rural Development Support project in Ukraine Oct 2016 - Aug 2020 3 years 11 months. Points II (security of tenure and contract) and III (improving governance that affects agriculture) are cross-cutting issues that affect all economic sectors. Because Ukraine has the highest burden of HIV/AIDS in Eastern Europe and one of the highest rates of Multi-Drug Resistant TB (MDR-TB) in the world, USAID focuses its efforts on containing the spread of the two diseases. Since 2017, AgriAnalytica has hosted 16 financial literacy events for 526 farmers across Ukraine in collaboration with USAID. %PDF-1.7 This is part of a USAID effort to promote private enterprise partnerships and strengthen Ukraine’s self-reliance. He said this during a virtual meeting with Mission Director for USAID Ukraine and Belarus James Hope, the press service of the Ministry for Communities and Territories Development reported. #USAID_AGRO USAID Ukraine - USAID Україна #SMART_технології #бджолозапилення . Posted May 24, 2019. 02 Development of standard design project documentation for small cheese dairies Програма USAID з аграрного і сільського розвитку (АГРО) CLOSING DATE/TIME FOR RECEIPT OF OFFERS: 01/18/2021 at 11:59 p.m. Kyiv Time 4. ... Find out about career opportunities at USAID. Partner. Literacy events for 526 farmers across Ukraine in which small and medium-size businesses are free to their. 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