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القروض الصغيرة لمواجهة  تغير المناخ

لندن - تواجه المجتمعات الضعيفة وطأة تغير المناخ - من ارتفاع منسوب مياه البحر والظواهر المناخية المفرطة إلى الفيضانات والجفاف الشديد لفترات طويلة. ووفقا للبنك الدولي، دون اتخاذ تدابير فعالة لتخفيف آثاره، يمكن أن يدفع تغير المناخ أكثر من 100 مليون شخص إلى براثن الفقر بحلول عام 2030.

لمساعدة المجتمعات الأكثر ضعفا كي تصبح أكثر مقاومة لآثار تغير المناخ، يتعين على المؤسسات المالية دعم المشاريع الصغيرة والمتوسطة الحجم. في الاقتصادات الناشئة، تشكل الشركات الصغيرة والمتوسطة ما يصل إلى 45٪ من فرص العمل وتصل إلى 33٪ من الناتج المحلي الإجمالي - وهذه الأرقام هي أعلى بشكل ملحوظ عندما يتم إدراج الشركات الصغيرة والمتوسطة غير الرسمية. وعندما ترفع المشاريع الصغيرة والمتوسطة من مقاومتها لتغير المناخ تزداد آثارها المتتالية في المجتمع.

للأسف، يعاني أصحاب المشاريع الصغيرة والمتوسطة بشكل عام من مشكلة تأمين القروض المصرفية، وبدلا من ذلك يتجهون إلى الإقراض غير الرسمي ومصادر تمويل بديلة لدعم أعمالهم. ووفقا للبنك الدولي فإن 50٪ من الشركات الصغيرة والمتوسطة الرسمية تفتقر إلى الوصول إلى الائتمان الرسمي، وأصبحت الفجوة الائتمانية الإجمالية لكل من الشركات الصغيرة والمتوسطة الرسمية وغير الرسمية عالية إذ تصل إلى 2.6 تريليون دولار في جميع أنحاء العالم. في حين أن الفجوة تختلف حسب المناطق، لكنها واسعة لاسيما في أفريقيا وآسيا.

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