This content is sponsored.
Between January and August 2025, the disbursements for projects to improve the energy efficiency of microentrepreneurs have been the most demanded, with $ 16,564 million delivered, which represent 69% of the total portfolio of green loans.
“Colombia is highly vulnerable to the effects of climate change.” This has stated different reports made by the UN and other organizations that They constantly measure the health of the planeta task that has established commitments of the different countries, as well as the work of different sectors, to achieve a more sustainable world and a more responsible growth model. In this purpose it is key to accompany microentrepreneurs, the largest productive force in the country, to undertake adaptation and mitigation processes against this reality.
Therefore, financing and education models are decisive To make more urban and rural microentrepreneurs they can be resilient, sustainable and contribute to the care of the environment from its productive units. This has been understood by Bancamía, entity of the BBVA Microfinance Foundation, which has been strengthening its green financing lines from the hand of a training and accompaniment strategy for microentrepreneurs.
Between January and August 2025, Bancamía ha had an extensive expansion of disbursements in green credits to microentrepreneurs, reaching $ 23,817 million. These resources have been allocated for the implementation of climate change adaptation measures in their productive units such as drip irrigation, biodigesters, organic fertilizers, worn and water reservoirsas well as to improve energy efficiency processes reflected in the purchase of appliances or low consumption equipment for business and solar panels. To this is added the ease of Access to drinking water services and sanitation to take care of the health of entrepreneurs and, also, natural resources such as water and soil sources.
Loading …
Of the total green credits disbursed so far this year, loans for efficiency and energy autonomy projects were the most used, with $ 16,564 million delivered to entrepreneurswhich represents the 69% of the total. It follows the line of adaptation to climate change that accumulated $ 7,077 million (30% of the portfolio).
In recent years, Bancamía has granted more than 10,400 green credits throughout the national territory by $ 53,987 million.
Viviana Araque MendozaExecutive President of Bancamía, said that these disbursement figures show a conscious commitment to the future of the country: “This growth in the green portfolio is a direct reflection of our Commitment to the development of microentrepreneurs under a sustainable microfinance accompaniment modelthat goes beyond financing because it is strengthened with education and an advisory sabage (environmental and social risk management system), which has led us to adopt environmental and social risk management frameworks, understanding the realities of customers, their barriers, limitations and the environment to be more assertive. Thus, consciously, we are forming the microentrepreneur to make decisions that accompany their future making it more sustainable, ”he said.
Simultaneously with the development of Saras, Bancamía has strengthened its strategy of Financial Health to promote inclusion, sustainable development and well -being of its clients and communities through training actions.
The financial health strategy ‘growing together’ covers fundamental issues for customer development, communities and their microenterprises such as: Management of financial products and services, contents for business strengthening, digital skills and empowerment, sustainable finance, climate change and sustainability.
Microentrepreneurs can access these contents through the free platform ‘Growing together’ and other channels such as digital target advice through WhatsApp, specialized face -to -face workshops and, also, virtual.
A SARAS for microentrepreneurs
Within the framework of its sustainability strategy ‘The beat that supports us’, Bancamía has launched its Environmental and Social Risk Administration System, The purpose of identifying this type of risks associated with credit operations, especially in key sectors such as livestock, poultry farming, pig farming and coffee crops. These not only have great relevance in the Bank portfolio, but in the rural development of the country.
Through the figure Saras Advisor, the advisors and a special system implemented by the entity, accompany the microentrepreneur, providing him with Objective orientation, informative material and good practices recommendations that allow managing environmental and social risks in productive units, showing an innovative management that seeks that customers can take advantage of sustainable growth opportunities in their productive units.
To date, more than 400 operations have been registered that meet criteria for the Environmental and Social Risk Analysis Defined by Bancamía within the Saras. Of the operations registered in the system, 67% are associated with livestock, 14% to pig farming, 13% to coffee cultivation and 8% to poultry farming.
