From investigation collection, Costa Rica might have been meeting sex-disaggregated borrowing from the bank investigation for many years, facilitated by national ID system
The fresh new Ministry from Economy, Community and you will Business (MEIC) have followed certain policies to advertise entrepreneurship with the help to female and you will youngsters as crosscutting layouts. However, zero specific method or plan was developed to promote female-owned/provided MSME money.
From inside the 2017, depending on the Worldwide Findex, the newest access to borrowing gender gap try fourteen %, with 75 % for men and you will 61 per cent for ladies. Twenty-about three per cent of your own Costa Rican inhabitants spared during the a financial place, which have 19 percent of females rescuing at the a lender.
Now, the entire Superintendency out of Economic Entities (SUGEF, Superintendencia General de Entidades Financieras), the new financial regulator, has developed gender indicators and intentions to orientate formula in order to connection new gender pit.
The fresh new Ministry out-of Discount, Industry and you will Commerce (MEIC – Ministerio de Economia, Industria y Comercio) ‘s the ruling system accountable for guidelines to your personal effort, organization development and you will campaign out-of business people towards the world som er de hotteste kvinnene i verden, trade and you may functions circles, as well as this new SME industry. Pertaining to the second, new MEIC functions within the dexterity towards the bank operating system on form of borrowing from the bank apps geared towards the newest field as well as producing their use of electronic communications characteristics and boost their formalization. Inside feel, the latest MEIC could have been coping with the new INAMU while the National Understanding Institute (INA, for its acronym within the Spanish) regarding construction and you may performance away from a certain system for ladies entrepreneurs: this new National Program to have Businesswomen.
New Main Lender of Costa Rica (Banco Main de Costa Rica, BCCR) is responsible for new financial and exchange rate policy. Brand new National Council having Oversight of your Economic climate (CONASSIF) ‘s the regulator and you can supervisory expert doing work from Superintendencies: > SUGEF: for economic intermediaries (AFI associate once the 2013), > SUGEVAL: for securities, > SUPEN: to the national pension program, and > SUGESE: on the insurance coverage industry.
On the Program of Financial for Development (SBD) Operate n? 9274, post 8 states that SBD create framework procedures to help you combat gender inequalities, with resource guidelines and you will low-investment that enable equitable availableness for women, in terms of accessibility borrowing from the bank, claims and you may non-monetary characteristics and you can company innovation. Economic entities you to availableness SBD info should have, among their capital applications, guidelines one make up for gender inequalities.
About the certain software from INAMU, through FOMUJERES (virtually “this new fund for women”), an effective nonreimbursable funds, money ladies who expose team effort otherwise effort to guard ladies’ legal rights. From inside the 2021, FOMUJERES gave assistance to help you 572 systems regarding rural women most of the across the country, which have step one.8 mil USD. The amount of this new loans resources because the 2014 try USD nine.8 mil to invest in more than 3.000 energetic programs.
Eventually, the brand new Mixed Institute off Public Services (IMAS – Instituto Mixto de- Ayuda Social), the help of its faith FIDEIMAS (actually IMAS?Trust), written for the construction of the Rules of Focus on Women in the Poverty Conditions, aims at resource even more and subsidiary claims, thanks to credits having beneficial rates of interest. This new trust even offers classes, technical advice and you may follow-up for folks otherwise organizations you to would productive programs.
step three.step 1 Commercial Banks
The new financial industry for the Costa Rica are controlled of the stateowned finance companies that allow to attain policy objectives and are also engaged in structure creativity, financial introduction and you can SME credit. From inside the 2008, the nation oriented the financing Loans to have Development (Fondo de Credito para este Desarrollo) that is used to invest in apps from inside the Program from Financial to own Creativity (SBD). In this perspective, private banks are obliged to transfer finance to express-possessed finance companies involved with SBD.