Sk Hasan Ali/Corbis/Getty Images

Mikrofinancování klimatické odolnosti

LONDÝN – Zranitelné společenství nejvíce trpí na dopady klimatické změny – od stoupajících hladin moří a extrémních výkyvů počasí, až po dlouhotrvající sucha a záplavy. Podle Světové banky by klimatické změny bez efektivních zmírňujících opatření mohly do roku 2030 více než 100 milionů lidí uvrhnout do chudoby.

Aby se nejzranitelnější společenství stala odolnější vůči efektům klimatických změn, měly by finanční instituce podpořit malé a středně velké podniky (SME). V rodících se ekonomikách tvoří SME skoro 45% zaměstnanosti a až 33% HDP – a tato čísla jsou ještě výrazně vyšší, pokud zahrneme neoficiální SME. Pokud si SME vytváří vlastní klimatickou odolnost, může to mít kaskádový efekt na komunity okolo.

Vlastnící SME mají bohužel obecně problémy s obstaráváním bankovních půjček a musí místo toho volit neoficiální formy půjček a alternativní formy financování jejich podnikání. Podle Světové banky postrádá 50% oficiálních SME přístup k formálním půjčkám a celková úvěrová mezera pro oficiální i neoficiální SME je celosvětově 2,6 bilionu dolarů. Mezera se v rámci regionů hodně liší, ale mimořádně velká je v Africe a Asii.

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