{"id":4193,"date":"2022-03-04T12:06:43","date_gmt":"2022-03-04T19:06:43","guid":{"rendered":"https:\/\/thewashroom.waterforpeople.org\/?p=4193"},"modified":"2022-03-04T12:58:16","modified_gmt":"2022-03-04T19:58:16","slug":"financiar-agua-y-saneamiento","status":"publish","type":"post","link":"https:\/\/thewashroom.waterforpeople.org\/es\/financiar-agua-y-saneamiento\/","title":{"rendered":"Financiar agua y saneamiento: Un potencial que las Instituciones Microfinancieras deben explorar\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Por Cesar L\u00f3pez, Oficial de Saneamiento Sostenible,<strong> <\/strong>Agua para la gente Guatemala&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">versi\u00f3n inglesa&nbsp;<a href=\"https:\/\/thewashroom.waterforpeople.org\/es\/financing-water-and-sanitation\/\">aqu\u00ed<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-style-dots\" \/>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-1.jpg\" alt=\"\" class=\"wp-image-4200\" width=\"326\" height=\"342\" srcset=\"https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-1.jpg 454w, https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-1-286x300.jpg 286w, https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-1-11x12.jpg 11w\" sizes=\"auto, (max-width: 326px) 100vw, 326px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">El microcr\u00e9dito en las econom\u00edas emergentes es canalizado tradicionalmente para el sector comercial, manufactura y servicios, dirigido para segmentos de poblaci\u00f3n no bancarizados. En la \u00faltima d\u00e9cada ha cobrado auge iniciativas de financiamiento destinados a tener un impacto m\u00e1s all\u00e1 del tema comercial, denominados financiamientos verdes.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bajo esta premisa, las instituciones microfinancieras (IMF) de Am\u00e9rica Latina, y espec\u00edficamente en Guatemala, han mostrado mayor apertura a iniciativas de financiamiento no tradicionales, incluyendo la vivienda popular, paneles solares, estufas ahorradoras de le\u00f1a y agricultura sostenible. Tambi\u00e9n estamos comenzando a ver las primeras luces de financiar una peque\u00f1a escala soluciones para agua y saneamiento descentralizado para familias sin acceso a soluciones dignas e higi\u00e9nicas para el hogar.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dando los primeros pasos<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En noviembre del a\u00f1o 2020 Water For People en Guatemala abri\u00f3 un convenio de cooperaci\u00f3n con la IMF Fundaci\u00f3n de Asesor\u00eda a la Peque\u00f1a Empresa (FAPE), en un distrito diferente a los de donde implementamos el modelo de <a href=\"https:\/\/thewashroom.waterforpeople.org\/es\/resources\/cobertura-total-para-siempre-modelo-de-fortalecimiento-del-sistema-ash-de-water-for-people\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura Total Para Siempre<\/a>, para financiar de manera integral soluciones para la mejora e instalaci\u00f3n de unidades higi\u00e9nicas y dignas a nivel de hogares. Esto incluye la construcci\u00f3n y remodelaci\u00f3n de ba\u00f1os, \u00e1reas anexas como la pila, ducha, compra de derecho de agua y perforaci\u00f3n de pozos de agua.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El modelo busca mostrar al sector microfinanciero el nicho de mercado no atendido y el financiamiento con impacto, contribuyendo directamente con el alcance del Objetivo de Desarrollo Sostenible (ODS) 6. Esta es una ventana de oportunidad para la IMF de ofrecer un producto diferenciado y abordar la problematica de agua y saneamiento desde una perspectiva de mercado.&nbsp;&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-2.png\" alt=\"\" class=\"wp-image-4201\" width=\"323\" height=\"352\" srcset=\"https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-2.png 451w, https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-2-275x300.png 275w, https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-2-11x12.png 11w\" sizes=\"auto, (max-width: 323px) 100vw, 323px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfPor qu\u00e9 agua y saneamiento?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El promedio de cobertura a nivel de pa\u00eds en saneamiento en las zonas rurales es bajo en comparaci\u00f3n con las zonas urbanas. Seg\u00fan el censo de poblaci\u00f3n el 46% de la poblaci\u00f3n guatemalteca vive en zona rural<sup>1<\/sup> y solo el 55% de la poblaci\u00f3n tiene acceso al alcantarillado urbano. Esto representa que el 45% de la poblaci\u00f3n total tiene problemas con el acceso a un saneamiento digno,<sup>2<\/sup> evidenciando la problem\u00e1tica no atendida. Las necesidades de agua y saneamiento, como derecho humano, est\u00e1n estrechamente relacionadas: a falta de uno, escasez en otro; abordar uno, solo resuelve una parte del problema.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para la IMF, es m\u00e1s atractivo ofrecer soluciones integrales por temas de rentabilidad y mayor oferta de servicios. Para los usuarios, contar con una opci\u00f3n de financiamiento para una necesidad b\u00e1sica representa una oportunidad de inclusi\u00f3n financiera y de mejora de calidad de vida para la familia al descargar tiempo en la b\u00fasqueda de agua o un lugar adecuado para realizar las necesidades b\u00e1sicas. La verificacion <em>en el lugar<\/em> de los financiamientos otorgados por el IMF evidencia la problem\u00e1tica del sector en las zonas atendidas.&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>N\u00ba de cr\u00e9ditos (4 meses)<\/strong>&nbsp;<\/td><td><strong>Monto total<\/strong>&nbsp;<\/td><td><strong>Promedio<\/strong>&nbsp;<\/td><\/tr><tr><td>45&nbsp;<\/td><td>$ 21,230&nbsp;<\/td><td>$471&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">De 45 financiamientos otorgados de noviembre de 2020 a marzo de 2021, el muestreo realizado con los usuarios evidencia el uso del cr\u00e9dito para construir ba\u00f1os, remodelaci\u00f3n y conexi\u00f3n a drenaje; en otros casos, lo usaron para la perforaci\u00f3n de pozos para agua, influenciado por la escases permanente del agua en los sistemas por gravedad debido a la tala indiscriminada de los bosques en donde provienen las fuentes de agua y la poca o nula gesti\u00f3n de un plan de gesti\u00f3n integral de recursos h\u00eddricos de las autoridades competentes.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-3.jpg\" alt=\"\" class=\"wp-image-4202\" width=\"319\" height=\"430\" srcset=\"https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-3.jpg 627w, https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-3-222x300.jpg 222w, https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Micro-3-9x12.jpg 9w\" sizes=\"auto, (max-width: 319px) 100vw, 319px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfPuede ser esto, una alternativa para escalar agua y saneamiento con un enfoque de mercado?&nbsp;&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Escalar las iniciativas de agua, saneamiento e higiene representa un reto por la poca priorizaci\u00f3n de los gobiernos al sector. Por fin, el involucramiento del sector privado es un mecanismo alternativo y con ingredientes de sostenibilidad en cuanto al acceso y cobertura. No es subsidiado como tradicionalmente se ha abordado el tema. Al ser una alternativa de financiamiento, el usuario resuelve su problema por sus propios medios, garantizando la continuidad del servicio a nivel domiciliar y siendo este un activo intangible que debe cuidar.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La IMF puede ser la ventana de oportunidad para el sector microfinanciero en incursionar en el sector de agua y saneamiento en otras regiones del pa\u00eds y replicar las mejores pr\u00e1cticas mediante distintos canales de atenci\u00f3n y medios de promoci\u00f3n para ofrecer soluciones integrales para las familias m\u00e1s necesitadas de las zonas rurales del pa\u00eds.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p><i> Por C\u00e9sar L\u00f3pez <\/i><br \/> Las instituciones microfinancieras (IMFs) de Am\u00e9rica Latina, y espec\u00edficamente sostenibles en Guatemala, han mostrado mayor apertura a iniciativas de financiamiento no tradicionales, incluyendo la vivienda popular, paneles solares, estufas ahorradoras de le\u00f1a y agricultura. Tambi\u00e9n estamos comenzando a ver las primeras luces de financiar una peque\u00f1a escala soluciones para agua y saneamiento descentralizado para familias sin acceso a soluciones dignas e higi\u00e9nicas para el hogar.\u00a0<\/p>","protected":false},"author":5,"featured_media":4198,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[57,61,40,39],"tags":[829],"class_list":["post-4193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-based-approach","category-microfinance","category-sanitation","category-water","tag-espanol"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Financiar agua y saneamiento: Un potencial que las Instituciones Microfinancieras deben explorar\u00a0 - The WASH Room<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thewashroom.waterforpeople.org\/es\/financiar-agua-y-saneamiento\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financiar agua y saneamiento: Un potencial que las Instituciones Microfinancieras deben explorar\u00a0\" \/>\n<meta property=\"og:description\" content=\"Por Cesar L\u00f3pez Las instituciones microfinancieras (IMFs) de Am\u00e9rica Latina, y espec\u00edficamente en Guatemala, han mostrado mayor apertura a iniciativas de financiamiento no tradicionales, incluyendo la vivienda popular, paneles solares, estufas ahorradoras de le\u00f1a y agricultura sostenible. Tambi\u00e9n estamos comenzando a ver las primeras luces de financiar a peque\u00f1a escala soluciones para agua y saneamiento descentralizado para familias sin acceso a soluciones dignas e higi\u00e9nicas para el hogar.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thewashroom.waterforpeople.org\/es\/financiar-agua-y-saneamiento\/\" \/>\n<meta property=\"og:site_name\" content=\"The WASH Room\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/waterforpeople\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-04T19:06:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-04T19:58:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/thewashroom.waterforpeople.org\/wp-content\/uploads\/sites\/2\/2022\/02\/Guatemala02_SantaCruz_Lagunitas_20190626-83-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1365\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"katleitzmann\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@waterforpeople\" \/>\n<meta name=\"twitter:site\" content=\"@waterforpeople\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"katleitzmann\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/financiar-agua-y-saneamiento\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/financiar-agua-y-saneamiento\\\/\"},\"author\":{\"name\":\"katleitzmann\",\"@id\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/es\\\/#\\\/schema\\\/person\\\/9b488800bc482fab7527b8f06cf44bb7\"},\"headline\":\"Financiar agua y saneamiento: Un potencial que las Instituciones Microfinancieras deben explorar\u00a0\",\"datePublished\":\"2022-03-04T19:06:43+00:00\",\"dateModified\":\"2022-03-04T19:58:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/financiar-agua-y-saneamiento\\\/\"},\"wordCount\":807,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/es\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/financiar-agua-y-saneamiento\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2022\\\/02\\\/Guatemala02_SantaCruz_Lagunitas_20190626-83-scaled.jpg\",\"keywords\":[\"Espa\u00f1ol\"],\"articleSection\":[\"Market based approach\",\"Microfinance\",\"Sanitation\",\"Water\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/financiar-agua-y-saneamiento\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/financiar-agua-y-saneamiento\\\/\",\"url\":\"https:\\\/\\\/thewashroom.waterforpeople.org\\\/financiar-agua-y-saneamiento\\\/\",\"name\":\"Financiar agua y saneamiento: Un potencial que las Instituciones Microfinancieras deben explorar\u00a0 - 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