Pasar al contenido principal
Transformación de CEAPE-MA en institucion financiera regulada por Banco Central
El proyecto busca apoyar a CEAPE-MA en: (i) la expansión de su cartera de microcrédito en la región del Nordeste, donde existe una amplia demanda insatisfecha, en tanto acomete su fortalecimiento institucional y tramita las autorizaciones correspondientes ante las autoridades brasileñas para crear un nuevo intermediario financiero (NIF) regulado por el BCB a partir de sus operaciones de microfinanzas; (ii) en el proceso de transformación y en el fortalecimiento de sus capacidades institucionales necesarias para operar como entidad regulada; (iii) la estructuración y creación del NIF regulado, como socio minoritario, con una potencial inversión en su capital accionario.

Detalle del Proyecto

País

Brasil

Número de Proyecto

BR-L1485

Fecha de aprobación

Mayo 20, 2009

Etapa del Proyecto

Cerrado

Tipo de Proyecto

Operación de Préstamo

Sector

EMPRESAS PRIV Y DESARROLLO DE PYME

Subsector

DESARROLLO DE LA MICROEMPRESA

Instrumento de préstamo

Instrumento del Fondo Multilateral de Inversiones

Código del instrumento de préstamo

MIF

Modalidad

-

Tipo de establecimiento

-

Categoría de Impacto Ambiental y Social

-

Costo Total

USD 2,000,000.00

Financiamiento de Contrapartida del País

USD 0.00

Cantidad

USD 2,000,000.00

Información Financiera
Número de Operación Tipo de préstamo Moneda de Referencia Fecha del informe Fecha de Firma del Contrato Fondo Instrumento Financiero
2142/MS-BR NSG USD - Dólar americano MIF-Small Enterprise Investment Fund Financiamiento FOMIN
Número de Operación 2142/MS-BR
  • Tipo de préstamo: NSG
  • Moneda de Referencia: USD - Dólar americano
  • Fecha del informe:
  • Fecha de Firma del Contrato:
  • Fondo: MIF-Small Enterprise Investment Fund
  • Instrumento Financiero: Financiamiento FOMIN
Publications
Published 2024
Taxation when Markets are not Competitive: Evidence from a Loan Tax
We study the interaction of market structure and tax-and-subsidy strategies utilizing pass-through estimates from the unexpected introduction of a loan tax in Ecuador, a quantitative model, and a comprehensive commercial-loan dataset. Our model generalizes bank competition theories, including Bertrand-Nash competition, credit rationing, and joint-maximization. While we find the loan tax is distortionary, neglecting the possibility of non-competitive lending inflates estimated tax deadweight loss by 80% because non-competitive banks internalize some of the burden. Conversely, subsidies are less effective in non-competitive settings. If competition were stronger, tax revenue would be 10% lower. The findings suggest that policymakers should consider market structure in tax-and-subsidy strategies.
Publications
Published 2024
The Promises of Digital Bank Accounts for Low-income Individuals
The push for adopting digital modes of payment rests on three promises: increased efficiency of transactions, increased financial inclusion, and improvements in the financial well-being of low-income individuals. We experimentally test the extent to which these promises are fulfilled. We exploit the random assignment into an intervention to encourage direct deposits of recurrent government benefits into digital bank accounts in Colombia. Switching from cash to direct deposits reduces disbursement errors and increases access to benefits among eligible beneficiaries. It also increases the ownership of bank accounts, the demand for formal loans, and loan take-up among individuals without a financial history. However, we do not find evidence of improvements in financial well-being across any of our metrics.
Publications
Published 2023
MICI Reflections: Access to Remedy and Dispute Resolution: Contributions to the Conversation Based on MICI's Experience
The notion of remedy has gained importance and become a central issue on the international development agenda, despite accountability mechanisms and financial institutions have been subject to continued criticism in terms of their ability to provide effective remedy for communities claiming to be affected by development projects. This note aims to explore the role of alternative dispute resolution in access to remedy, and to specifically examine the contributions that MICIs Consultation Phase has made in providing solutions to communities that believe they have been adversely affected by IDB Group-financed development projects between 2017 and 2022.
Publications
Published 2022
The Importance of Financial Information in the Transport Sector: an Encouragement to New Outlooks and Perspectives in Light of the IDB's Vision 2025
Services in the transport sector in Latin America & the Caribbean are provided mainly by private enterprises of different sizes. However, as technical transport specialists, our knowledge and understanding of their management strategies and financial objectives remains limited. Most of the sectorial attention is rightly dedicated to the analysis of the effectiveness and efficiency of the products/services provided by companies, leaving out of the picture the focus on the “business” side of their structures and operations. Such lack of awareness can be linked to several reasons. But one of the motives that mostly hinder transport practitioners from further analyzing these aspects is the ability to speak the private companies “financial language”. Engineers, planners, and even economists are not always familiar with the instruments of financial analysis, management accounting or corporate finance; concepts that are at the core of this language. When it comes to financial analysis, sectors practitioners are mainly biased in thinking about PPPs issues and project finance. This is certainly not a fault per se! However, such a narrow focus can unquestionably represent an obstacle to the full comprehension of the phenomena and rationales that impact the sectors functioning
Publications
Published 2022
Independent Country Program Review Ecuador 2018-2021
This independent country program review (ICPR) analyzes the IDB Group's country strategy and country program with Ecuador during the 2018-2021 period. ICPRs assess the relevance of the Bank's country strategy and provide aggregate information on the program alignment and execution. If the available information allows, ICPRs also report on progress toward achieving the objectives that the IDB Group established in the country strategy. This review by the Office of Evaluation and Oversight (OVE) is intended to provide the Boards of Executive Directors of the IDB and IDB Invest with useful information to analyze the country strategies submitted for their consideration.
Blogs
Published 2023
Corrida contra o tempo: o potencial da filantropia e do blended finance para escalar o investimento sustentável
O cenário atual de recessão global vem resultando em uma enorme pressão fiscal e pede urgência para repensar como devemos combinar soluções financeiras públicas e privadas para alavancar investimentos necessários para responder à crise climática e ambiental e à transição para um desenvolvimento mais sustentável. O Fórum Econômico Mundial estimou que o custo de transição
Blogs
Published 2022
Após reunir 5 mil participantes em megaevento no Brasil, BID reitera compromisso com investimentos no país
A quinta edição do Brasil Investment Forum (BIF 2022) teve, mais uma vez, um alcance expressivo, ao reunir cerca de 5 mil participantes e investidores de 100 países. E nós, do Grupo BID, reafirmamos no evento o nosso compromisso em apoiar os investimentos no país, segundo o próprio presidente Mauricio Claver-Carone. “O potencial do Brasil
Publications
Published 2023
President's Report 2023
IDB Report of the President 2023.
Blogs
Published 2023
Día de las Operaciones: lo que aprendimos de Brasil
8 minutos de lectura. Como hemos explicado en anteriores experiencias en Barbados y Honduras, el Día de las Operaciones es un taller, presencial y en línea, que reúne a quienes trabajan en la ejecución de proyectos vinculados al Grupo BID, (principalmente a los miembros de las Unidades Ejecutoras y/o contrapartes del Grupo), en donde por
Blogs
Published 2022
Día de las Operaciones: lo que aprendimos de Barbados
¿Qué son los Días de las Operaciones del BID? Los Días de las Operaciones son una parte integral de Academia BID, la plataforma de conocimiento y aprendizaje del Grupo BID. El principal objetivo de estas jornadas es crear un espacio de colaboración y diálogo constructivo entre las Unidades Ejecutoras de Proyectos (UEP) dentro de un
Powered by FindIT
Jump back to top