编辑同志:我们原是长沙某纺织厂的职工,前几年,由于所在企业改革改制,先后下岗失业,每月靠200元的下岗职工生活费维持生计,生活十分艰难。最近,我们准备组织几个下岗姐妹,合伙开一个小餐馆,由于缺少启动资金,特申请小额担保贷款,不知如何办理有关手续,现向贵刊咨询。谢谢!下岗 Editor’s Comrade: We originally were employees of a textile factory in Changsha. A few years ago, because of the reform and restructuring of the enterprises in which we started to lay off one after another, we have to live on subsistence expenses of laid-off workers at a monthly rate of 200 yuan. Our life is very difficult. Recently, we are going to organize a number of laid-off sisters to open a diner. We are consulting the magazine for lack of start-up funds, petitions for small-sum secured loans, and procedures for handling such problems. Thanks! Laid off