Sk Hasan Ali/Corbis/Getty Images

Microfinanciering voor klimaatweerbaarheid

LONDEN – Kwetsbare gemeenschappen krijgen het leeuwendeel van de klimaatverandering voor hun kiezen; van een stijgende zeespiegel en extreem weer tot steeds langere ernstige droogtes en overstromingen. Volgens de Wereldbank kan klimaatverandering zonder de juiste maatregelen tegen 2030 meer dan 100 miljoen mensen de armoede in gedreven hebben.

Om de meest kwetsbare gemeenschappen te helpen weerbaarder te worden tegen de effecten van klimaatverandering zouden financiële instituties het midden- en kleinbedrijf (MKB) moeten steunen. In opkomende economieën is het MKB verantwoordelijk voor 45% van de werkgelegenheid en tot 33% van het bbp – en deze getallen zijn nog significant hoger wanneer het informele MKB wordt meegeteld. Wanneer het MKB zijn eigen klimaatweerbaarheid opbouwt, kan dit katalyserende effecten op de gemeenschap eromheen hebben.

Helaas ervaren eigenaars van middelgrote of kleine bedrijven problemen om leningen van banken te krijgen en moeten ze zich in plaats daarvan wenden tot informele leningen en andere financieringsbronnen om hun bedrijven te ondersteunen. Volgens de Wereldbank heeft 50% van het officiële MKB geen toegang tot formeel krediet, en loopt het totale financieringstekort voor zowel het formele als informele MKB op tot 2,6 biljoen dollar wereldwijd. Ondanks dat dit tekort aanzienlijk varieert tussen verschillende landen is het vooral Afrika en Azië groot.

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