{"id":4204,"date":"2022-03-04T12:02:14","date_gmt":"2022-03-04T19:02:14","guid":{"rendered":"https:\/\/thewashroom.waterforpeople.org\/?p=4204"},"modified":"2022-03-04T12:06:54","modified_gmt":"2022-03-04T19:06:54","slug":"financing-water-and-sanitation","status":"publish","type":"post","link":"https:\/\/thewashroom.waterforpeople.org\/es\/financing-water-and-sanitation\/","title":{"rendered":"Financiamiento de agua y saneamiento: un potencial que las instituciones de microfinanzas deben explorar\u00a0"},"content":{"rendered":"

Por Cesar L\u00f3pez, Oficial de Saneamiento Sostenible, Water For People en Guatemala<\/p>\n\n\n\n

English version\u00a0aqui<\/a>.<\/p>\n\n\n\n

\n\n\n\n
\"\"<\/figure><\/div>\n\n\n\n

El microcr\u00e9dito en las econom\u00edas emergentes se canaliza tradicionalmente a los sectores comercial, manufacturero y de servicios, dirigido a los segmentos no bancarizados de la poblaci\u00f3n. En la \u00faltima d\u00e9cada, sin embargo, las iniciativas de financiaci\u00f3n destinadas a tener un impacto m\u00e1s all\u00e1 de los asuntos comerciales, com\u00fanmente denominadas financiaci\u00f3n verde, han cobrado impulso.  <\/p>\n\n\n\n

Bajo esta premisa, las instituciones de microfinanzas (IMF) en Am\u00e9rica Latina, y espec\u00edficamente en Guatemala, han mostrado una mayor apertura a iniciativas de financiamiento no tradicionales, incluyendo vivienda de inter\u00e9s social, paneles solares, cocinas ahorradoras de le\u00f1a y agricultura sostenible. Tambi\u00e9n comenzamos a ver el surgimiento de financiamiento para soluciones descentralizadas de agua y saneamiento a peque\u00f1a escala para familias sin acceso a soluciones de vivienda digna e higi\u00e9nica.  <\/p>\n\n\n\n

Dando los primeros pasos<\/strong> <\/p>\n\n\n\n

En noviembre de 2020, Water For People en Guatemala firm\u00f3 un acuerdo de cooperaci\u00f3n con la IMF Fundaci\u00f3n de Asesor\u00eda a la Peque\u00f1a Empresa (FAPE) en un distrito donde no implementamos el Todos para siempre<\/a> modelo para financiar soluciones integrales para el mejoramiento e instalaci\u00f3n de unidades de saneamiento higi\u00e9nico y digno a nivel domiciliario. Esto incluye la construcci\u00f3n y remodelaci\u00f3n de ba\u00f1os y \u00e1reas anexas como el lavabo y la ducha, la compra de derechos de agua y la perforaci\u00f3n de pozos de agua.  <\/p>\n\n\n\n

El modelo busca demostrarle al sector de las microfinanzas un nicho de mercado desatendido y un financiamiento de impacto, contribuyendo directamente al logro del Objetivo de Desarrollo Sostenible (ODS) 6. Esta es una ventana de oportunidad para que la IMF ofrezca un producto diferenciado y aborde los problemas de agua y saneamiento. problema de saneamiento desde una perspectiva de mercado.  <\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

\u00bfPor qu\u00e9 agua y saneamiento?<\/strong> <\/p>\n\n\n\n

La cobertura promedio de saneamiento a nivel de pa\u00eds en \u00e1reas rurales es baja en comparaci\u00f3n con las \u00e1reas urbanas. Seg\u00fan el censo de poblaci\u00f3n, el 46% de la poblaci\u00f3n guatemalteca vive en zonas rurales,1<\/sup> y solo el 55% de la poblaci\u00f3n tiene acceso al alcantarillado urbano. Esto significa que 45% de la poblaci\u00f3n total tiene problemas de acceso a saneamiento digno,2<\/sup> destacando el problema no abordado. Las necesidades tanto de agua como de saneamiento como derecho humano est\u00e1n \u00edntimamente relacionadas: a falta de uno, hay escasez del otro; abordar uno solo resuelve parte del problema.  <\/p>\n\n\n\n

Para la IMF es m\u00e1s atractivo ofrecer soluciones integrales basadas en la rentabilidad y una mayor gama 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 mejora de la calidad de vida de la familia que dedica tiempo a buscar agua o un lugar adecuado para realizar las necesidades b\u00e1sicas. La verificaci\u00f3n in situ del financiamiento otorgado por la IMF muestra los desaf\u00edos del sector en las zonas atendidas. <\/p>\n\n\n\n

N\u00ba de cr\u00e9ditos (4 meses)<\/strong> <\/td>Cantidad total<\/strong> <\/td>Promedio<\/strong> <\/td><\/tr>
45 <\/td>$21,230 <\/td>$471 <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

De 45 cr\u00e9ditos otorgados de noviembre de 2020 a marzo de 2021, una muestra de usuarios mostr\u00f3 que los cr\u00e9ditos se utilizaron para construir ba\u00f1os, remodelar y conectar a drenajes; en otros casos, fueron para perforar pozos de agua, influenciados por la escasez de agua en los sistemas de gravedad por la tala indiscriminada de bosques que contienen fuentes de agua, y la poca o nula gesti\u00f3n de un plan de gesti\u00f3n integral de recursos h\u00eddricos por parte de las autoridades competentes. <\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

\u00bfPodr\u00eda ser esta una opci\u00f3n para escalar agua y saneamiento con un enfoque de mercado?  <\/strong> <\/p>\n\n\n\n

Ampliar las iniciativas de agua, saneamiento e higiene representa un desaf\u00edo debido a la baja prioridad que los gobiernos le dan a este sector. Por lo tanto, la participaci\u00f3n del sector privado es un mecanismo alternativo con ingredientes de sostenibilidad en t\u00e9rminos de acceso y cobertura. No est\u00e1 subvencionado, como tradicionalmente se ha abordado el tema. <\/p>\n\n\n\n

Como alternativa de financiamiento, el usuario resuelve su problema con sus propios medios, garantizando la continuidad del servicio a nivel domiciliario y constituyendo un activo intangible que debe cuidar.  <\/p>\n\n\n\n

La IMF puede ser la ventana de oportunidad para que el sector de las microfinanzas incursione en agua y saneamiento en otras regiones del pa\u00eds y replique estas buenas pr\u00e1cticas a trav\u00e9s de diversos canales de atenci\u00f3n y medios de promoci\u00f3n para ofrecer soluciones integrales a las familias m\u00e1s pobres del medio rural.  <\/p>","protected":false},"excerpt":{"rendered":"

Por C\u00e9sar L\u00f3pez <\/i>
Las instituciones de microfinanzas (IMF) en Am\u00e9rica Latina, y espec\u00edficamente en Guatemala, han mostrado una mayor apertura a iniciativas de financiamiento no tradicionales, que incluyen viviendas de inter\u00e9s social, paneles solares, estufas de bajo consumo y agricultura sostenible. Tambi\u00e9n comenzamos a ver el surgimiento de financiamiento para soluciones descentralizadas de agua y saneamiento a peque\u00f1a escala para familias sin acceso a soluciones de vivienda digna e higi\u00e9nica.\u00a0\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":[830],"class_list":["post-4204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-based-approach","category-microfinance","category-sanitation","category-water","tag-english"],"yoast_head":"\nFinancing Water and Sanitation: A Potential that Microfinance Institutions Should Explore\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\/financing-water-and-sanitation\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financing Water and Sanitation: A Potential that Microfinance Institutions Should Explore\u00a0\" \/>\n<meta property=\"og:description\" content=\"By Cesar L\u00f3pez Microfinance institutions (MFIs) in Latin America, and specifically in Guatemala, have shown greater openness to non-traditional financing initiatives, including low-income housing, solar panels, wood-saving stoves, and sustainable agriculture. 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