Away from investigation collection, Costa Rica has been gathering sex-disaggregated borrowing from the bank data for quite some time, facilitated of the national ID system
The fresh Ministry of Economy, Business and you can Commerce (MEIC) features accompanied specific principles to market entrepreneurship on help to help you feminine and teens as the crosscutting themes. Nonetheless, zero specific strategy or coverage has been developed to advertise women-owned/added MSME capital.
Inside 2017, depending on the International Findex, the new accessibility borrowing from the bank gender gap try fourteen %, which have 75 per cent for males and you can 61 per cent for ladies. Twenty-about three percent of the Costa Rican society spared from the a financial establishment, with 19 % of females saving in the a loan company.
More recently, the entire Superintendency out of Economic Agencies (SUGEF, https://kissbrides.com/hr/blog/europske-djevojke-protiv-americkih-djevojaka/ Superintendencia General de Entidades Financieras), the fresh economic regulator, is rolling out gender evidence and you will plans to orientate regulations to link the fresh gender gap.
The fresh Ministry out of Benefit, Industry and you will Trade (MEIC – Ministerio de Economia, Industria y Comercio) ‘s the governing system responsible for policies towards the private initiative, team innovation and promotion away from business culture on business, trade and properties groups, and also for the SME sector. Connected with aforementioned, the fresh MEIC performs within the coordination towards bank system to your form of borrowing from the bank programs aimed at the markets as well as creating its entry to digital interaction functions and improve their formalization. In this feel, brand new MEIC has been handling the INAMU and also the Federal Reading Institute (INA, because of its phrase when you look at the Spanish) on the structure and you may performance off a particular program for ladies entrepreneurs: this new National System getting Businesswomen.
The newest Main Lender of Costa Rica (Banco Main de- Costa Rica, BCCR) accounts for brand new monetary and you may rate of exchange policy. New National Council to possess Supervision of your own Economic climate (CONASSIF) is the regulator and you can supervisory power working from the Superintendencies: > SUGEF: to have monetary intermediaries (AFI affiliate just like the 2013), > SUGEVAL: getting bonds, > SUPEN: towards the federal your retirement program, and you may > SUGESE: for the insurance field.
Regarding System of Banking getting Advancement (SBD) Act n? 9274, post 8 states your SBD would build procedures to help you combat gender inequalities, having financial support rules and you can low-money that enable fair access for ladies, regarding accessibility borrowing, promises and you can non-economic services and you can company development. Financial agencies that accessibility SBD resources must have, amongst their resource software, rules you to definitely compensate for gender inequalities.
Regarding the specific apps regarding INAMU, courtesy FOMUJERES (virtually “the newest finance for ladies”), a great nonreimbursable funds, money ladies who expose company initiatives otherwise initiatives to protect ladies’ legal rights. Inside 2021, FOMUJERES has given support so you can 572 methods regarding outlying female all the across the nation, which have step one.8 mil USD. The total amount of the new fund tips just like the 2014 was USD 9.8 million to invest in over 3.000 effective methods.
In the end, brand new Mixed Institute of Societal Aid (IMAS – Instituto Mixto de- Ayuda Societal), employing trust FIDEIMAS (actually IMAS?Trust), written into the framework of Legislation out-of Attention to Women in the Poverty Criteria, aims at money even more and you may subsidiary guarantees, as a result of credit having positive interest rates. Brand new trust offers courses, technology guidance and followup for folks otherwise groups one to manage active projects.
step 3.step one Commercial Finance companies
This new monetary field for the Costa Rica are ruled by stateowned financial institutions that allow to get to policy expectations and therefore are engaged in infrastructure creativity, economic introduction and you will SME lending. Within the 2008, the nation depending the financing Money for Creativity (Fondo de- Credito con el fin de el Desarrollo) that is used to invest in applications within the Program away from Banking to possess Development (SBD). Within context, individual financial institutions are obliged to help you transfer fund to express-owned financial institutions engaged in SBD.
