微型創業貸款拉他一把 瓜農江國堂打造開心農場
2022-05-17 記者莊兆暉/台南報導
57歲的江國堂原本在嘉義市區經營果汁店,但7年前頻生變故,短短時間內經歷創業失敗、親人過世,身心也出了狀況,最後木瓜牛奶沒賣成,反而跑到鄉下務農,沒想到無心插柳下,江國堂這個農業素人竟然小有成績,種出的香水木瓜香甜可口、果肉Q彈不軟爛,親友試吃好口碑,他發現創業商機,但要達到量產規模需要投入資金,讓他好生煩惱,還好後來透過勞動部「微型創業鳳凰貸款」陸續申貸2百萬元,解了燃眉之急,也打造出屬於自己的開心農場。
![](../../wp-content/uploads/2022/05/%e9%80%9a%e7%a8%bf-%e6%b1%9f%e5%9c%8b%e5%a0%82%e4%b8%8d%e6%8d%a8%e8%be%b2%e5%9c%b0%e8%8d%92%e8%95%aa%ef%bc%8c%e5%b9%b4%e9%81%8e%e5%8d%8a%e7%99%be%e6%b1%ba%e5%ae%9a%e8%bd%89%e8%81%b7%e7%95%b6%e7%93%9c%e8%be%b2%ef%bc%8c%e5%8f%8d%e8%80%8c%e7%a8%ae%e5%87%ba%e8%88%88%e8%b6%a3%e3%80%82-1030x772.jpg)
江國堂不捨農地荒蕪,年過半百決定轉職當瓜農,反而種出興趣。(勞發署雲嘉南分署提供)
「種木瓜比養小孩還辛苦。」50歲那年才轉業的江國堂說,木瓜有病痛也不會說,需要每天細心呵護,當時他每天窩在果園,看著使用微生菌取代化肥而種出來的香水木瓜又大又漂亮,非常有成就感,第一次量產時先分送給親朋好友食用,結果大獲好評,創業經驗豐富的他腦筋動得也快,認為「吃得健康」是未來的趨勢,才決定大量種植。
但從租用農地、增建網室、購買樹苗及農作資材,以及聘請農工都需要投入資金,加上他又使用有機農法,一開始種瓜之路非常艱辛,好不容易等到採收期,卻遇上木瓜價格大跌,1箱只賣到100元,「只能倒貼」連成本都無法回收,還有一次遇到病蟲害,300多棵木瓜樹在2個月內相繼死亡,後來從清運木瓜、整地、休耕到重新種瓜苗,前後有1年半時間都沒收入,江國堂想起來就嘆氣。
![](../../wp-content/uploads/2022/05/%e9%80%9a%e7%a8%bf-%e6%b1%9f%e5%9c%8b%e5%a0%82%e7%94%a8%e6%9c%89%e6%a9%9f%e8%be%b2%e6%b3%95%e7%a8%ae%e6%9c%a8%e7%93%9c%ef%bc%8c%e5%8d%bb%e9%81%87%e4%b8%8a%e7%97%85%e8%9f%b2%e5%ae%b3%e8%ae%93%e5%bf%83%e8%a1%80%e4%bb%98%e4%b9%8b%e4%b8%80%e7%82%ac%ef%bc%8c%e5%b9%b8%e8%b3%b4%e5%8b%9e%e5%8b%95%e9%83%a8%e7%9a%84%e5%be%ae%e5%9e%8b%e5%89%b5%e6%a5%ad%e9%b3%b3%e5%87%b0%e8%b2%b8%e6%ac%be%e5%ba%a6%e9%81%8e%e4%ba%8b%e6%a5%ad%e5%8d%b1%e6%a9%9f%e3%80%82-1030x578.jpg)
江國堂用有機農法種木瓜,卻遇上病蟲害讓心血付之一炬,幸賴勞動部的微型創業鳳凰貸款度過事業危機。(勞發署雲嘉南分署提供)
還好針對中高齡創業部分,有勞動部「微型創業鳳凰貸款」的資金挹注,江國堂才能鬆口氣,也找到抑制病蟲害的方法,終於度過難關,現在他的木瓜園已經有1甲多,也跟小農契作穩定銷量,並積極布局電商通路,他深信「只要抓住對的客群,好的東西不怕賣不出去。」
勞動力發展署雲嘉南分署長劉邦棟表示,微型鳳凰創業貸款最高可申貸200萬元,有低利率、免保證人、免擔保品,前2年免利息、免費創業課程及創業輔導等6大特色;因應高齡化社會的來臨,勞動部擴大貸款適用對象,針對失業中高齡及高齡者或新住民僅持居留證者,營業登記前14日無投保勞保紀錄且依法設立事業登記,檢附相關證明文件即可申請創業貸款,詳細內容可撥打諮詢專線0800-092-957洽詢。
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