Away from analysis collection, Costa Rica has been gathering sex-disaggregated credit study for quite some time, triggerred of the national ID program
The fresh Ministry off Discount, Globe and you will Business (MEIC) enjoys followed specific procedures to market entrepreneurship on the support so you’re able to women and you will youth because the crosscutting layouts. Nevertheless, zero particular strategy or rules was developed to market women-owned/provided MSME funding.
Inside 2017, according to the Around the globe Findex, the latest accessibility credit gender pit was fourteen %, which have 75 % for men and you may 61 per cent for women. Twenty-three % of your own Costa Rican population spared within a financial business, that have 19 % of females protecting during the a lender.
Now, all round Superintendency out of Financial Organizations (SUGEF, Superintendencia Standard de- Entidades Financieras), this new monetary regulator, has developed gender signs and you can intends to orientate formula in order to connection the fresh gender pit.
The brand new Ministry out-of Savings, Globe and you can Trade (MEIC – Ministerio de- Economia, Industria y Comercio) is the governing system responsible for procedures with the private effort, company invention and you may campaign regarding providers society toward world, commerce and you will features sectors, as well as for the latest SME markets. Connected with the second, new MEIC functions for the control into banking system on the model of borrowing from the bank apps geared towards the brand new markets and producing the use of digital communication characteristics and you may improve their formalization. In this feel, the MEIC has been working with the INAMU and Federal Studying Institute (INA, for its phrase inside Foreign-language) from the build and you may delivery out-of a specific program for women entrepreneurs: the National System to possess Businesswomen.
The Main Financial out of Costa Rica (Banco Central de Costa Rica, BCCR) is responsible for the brand new economic and you will exchange rate coverage. New National Council to possess Supervision of your own Economic climate (CONASSIF) is the regulator and you will supervisory expert performing from the Superintendencies: > SUGEF: getting monetary intermediaries (AFI representative while the 2013), > SUGEVAL: to own ties, > SUPEN: for the federal pension program, and you may > SUGESE: toward insurance market.
In the Program of Financial for Innovation (SBD) Operate n? 9274 kuuma Eurooppalainen naiset etsivät rakkautta, post 8 claims your SBD do framework regulations to counteract gender inequalities, having resource guidelines and you can low-funding that allow fair availableness for ladies, with regards to entry to borrowing, promises and non-financial features and you can organization innovation. Financial organizations one to availableness SBD info must have, among all of their money apps, rules you to definitely make up for gender inequalities.
Concerning the particular apps regarding INAMU, compliment of FOMUJERES (actually “the fresh new loans for females”), an effective nonreimbursable finance, finances ladies who expose business effort otherwise effort to protect women’s liberties. When you look at the 2021, FOMUJERES gave support to 572 ideas away from rural feminine the across the nation, that have 1.8 mil USD. The quantity of brand new financing information because 2014 try USD nine.8 million to finance more than 3.000 active programs.
Eventually, the new Combined Institute from Public Assistance (IMAS – Instituto Mixto de Ayuda Societal), and their believe FIDEIMAS (actually IMAS?Trust), created inside structure of the Legislation away from Focus on Feminine from inside the Poverty Standards, is aimed at investment extra and part guarantees, through credits with advantageous rates of interest. The newest trust also provides courses, tech recommendations and you can followup for individuals otherwise groups one would active strategies.
step 3.1 Commercial Finance companies
The newest financial markets into the Costa Rica is controlled from the stateowned financial institutions that allow to attain coverage objectives and so are engaged in infrastructure innovation, monetary inclusion and you may SME lending. Into the 2008, the country mainly based the financing Funds having Advancement (Fondo de Credito para poder este Desarrollo) that is used to invest in apps in System out of Banking to possess Innovation (SBD). Within this framework, personal financial institutions is actually required to transfer financing to state-possessed banking companies involved with SBD.
