The attraction of big cities are its small businesses.

SFCDMA President Henry Karnilowicz

Having travelled around the world I landed in San Francisco in 1972 and made this gem of a city my home. I established my general contracting business which included both residential and caommercial mostly renovation projects. Around 1998 I was honored to be accepted as a member of SOMPAC (South Of Market Project Area Committee - the advisory body to the San Francisco Redevelopment Agency) and remained on this panel until the redevelopment agency was dissolved in 2012. During my time on SOMPAC I joined SOMBA, the South Of Market Business Association, which was established under the auspices of the redevelopment agency.

About five years ago I was elected president of SFCDMA. I have always been passionate and a dedicated advocate for small business. It is challenging but at the same time rewarding and my goal is to not only see small business start and survive but also have it thrive and be successful!





Small businesses

make great cities!

SFCDMA Vice President Albert Chow

I am a San Francisco native, graduated UC Berkeley's Architecture Program and I run my family business, Great Wall Hardware which was established in 1983 on Taraval Street.  I am currently the President of People of Parkside Sunset.  I love my family, life, community and wish to make this world better than when I found it.



San Francisco is undeniably the world capital of technology.  Another face of San Francisco is

its great dining culture. The city

is fast becoming the world capital

of fine dining - even more so than Paris and Tokyo.

SFCDMA Secretary Yuka Ioroi

My husband and I own a modern California cuisine restaurant called Cassava on Balboa Street in the Outer Richmond district. I also serve on the Board of the Balboa Village Merchants Association.

The Restaurant business is very volatile and the San Francisco market is saturated with great restaurants, which is good, but we have to work extra hard to stand out. That's why we really appreciate organizations like SFCDMA for tirelessly promoting neighborhoods across the city. 

I'm so honored to serve as the Board Member for SFCDMA and look forward to contributing to the effort of assisting small businesses throughout San Francisco.




SFCDMA is the true meeting place for small business owners in San Francisco. Nowhere else can you find such a diverse group of businesses from all neighborhoods.

SFCDMA Treasurer Keith Goldstein

I am president of the Potrero Dogpatch Merchants Association; vice chair of the Eastern Neighborhoods CAC; Board Member of the Potrero Boosters Neighborhood Association; Vice President of Golden Gate Senior Services. 

I recently retired from Everest Waterproofing & Restoration, which I founded in 1999. I was a contractor in San Francisco for 40 years. 

I live on Potrero Hill and I am active in many community and charitable endeavors. I am also co-founder and president of Nepal SEEDS (a charitable organization that does relief projects in remote villages in Nepal) and have been a Food Runners volunteer for over 25 years.



Stephen Cornell, Board Member, Polk Street Merchants Association

Jean Feilmoser, Vice President, Mission Merchants Association

Keith Goldstein, President, Potrero Dogpatch Merchants Association

David Heller, President, Greater Geary Boulevard Merchants and Property Owners Association

Gwen Kaplan, Vice President, North East Mission Business Association

Aaron Esquivel, President, Glen Park Merchants Association

Darshan Singh, Board Member, Outer Sunset Merchants Professional Association

Judy Slotsky, Board Member, Fillmore Merchants Association



Executive Administrator

Growing up in my father's grocery stores in the Mission, I gained a good foundation in customer service, small business and community.  
After graduating from UC Berkeley with an architecture degree, I co-founded a design/ furniture store in the Tenderloin with a $2k investments. This year, Zinc Details is celebrating its 27th anniversary!  
I'm proud of the community of customers and designers that we've fostered and I've learned many valuable lessons in running and sustaining a small business for so long.


In addition to running my business, I'm also  the executive director of the Fillmore Merchants Association. During my time, we've been able to unify upper and lower Fillmore Street into a cohesive, dynamic merchant group.  I've enjoyed sharing and collaborating with the other merchants to make the FMA a successful organization.

SFCDMA Executive Administrator Vas Kiniris