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Cómo microfinanciar la resiliencia climática

LONDRES – Las comunidades vulnerables enfrentan el embate del cambio climático -desde los crecientes niveles de los océanos y episodios climáticos extremos hasta sequías e inundaciones prolongadas y severas-. Según el Banco Mundial, sin medidas de mitigación efectivas, el cambio climático podría arrojar a más de 100 millones de personas a la pobreza para 2030.

Para ayudar a las comunidades más vulnerables a volverse más resistentes a los efectos del cambio climático, las instituciones financieras deberían respaldar a las pequeñas y medianas empresas. En las economías emergentes, las PYME representan hasta el 45% del empleo y hasta el 33% del PIB -y esos números son significativamente mayores cuando se incluyen las PYME informales-. Cuando una PYME desarrolla su propia resistencia al clima, puede tener un efecto cascada en la comunidad que la rodea. 

Desafortunadamente, los propietarios de las PYME suelen tener problemas para obtener préstamos bancarios y deben recurrir, en cambio, a préstamos informales y fuentes de financiación alternativas que financien sus empresas. Según el Banco Mundial, el 50% de las PYME formales no tienen acceso al crédito formal, y la brecha total de crédito para las PYME formales e informales llega a 2,6 billones de dólares a nivel mundial. Si bien la brecha varía considerablemente de una región a otra, es particularmente amplia en África y Asia.

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