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SOBRE O BID

Empréstimos de investimento

O Banco Interamericano de Desenvolvimento oferece empréstimos para projetos de investimento público e privado na América Latina e no Caribe.

  • Empréstimos para projetos específicos destinam-se a financiar um projeto de desenvolvimento que já esteja inteiramente definido no momento em que o empréstimo do Banco é aprovado. Esses projetos geralmente concentram-se em um único setor ou subsetor de desenvolvimento. Alguns exemplos seriam um programa de reforma educacional, um programa de distribuição e transmissão de eletricidade ou um programa de segurança pública.
  • Empréstimos para programas de obras múltiplas destinam-se a financiar grupos de obras similares que sejam fisicamente independentes entre si e cuja viabilidade não dependa da implantação de projetos de outras obras.
  • Empréstimos de crédito global (às vezes também chamados de “Empréstimos de crédito multissetoriais”) são concedidos a instituições financeiras intermediárias (IFIs) ou entidades similares nos países mutuários para possibilitar que eles repassem empréstimos aos mutuários finais (submutuários) para o financiamento de projetos multissetoriais.
  • Linhas de crédito condicionais (CCLIP) são instrumentos baseados em desempenho que estão disponíveis apenas para mutuários que tenham implementado com sucesso projetos similares financiados pelo BID. Para obter uma CCLIP, os mutuários devem comprovar resultados satisfatórios em projetos anteriores e demonstrar que a agência executora não mudou e tem um sólido histórico de bom desempenho. (Faça o download das informações completas)
  • Empréstimos baseados no desempenho (PDL) são empréstimos de investimento desembolsados depois que resultados ou metas de desenvolvimento efetivos do projeto ou programa tenham sido alcançados e o Banco tenha verificado os gastos incorridos pelo mutuários para obter os resultados. Os resultados são os efeitos do uso dos produtos e serviços específicos derivados de uma intervenção de desenvolvimento. (Faça o download das informações completas)
     
  • Empréstimos multifase (MLs) expandem a capacidade do Banco de oferecer apoio contínuo a programas que requeiram mais tempo para alcançar resultados. Visam a proporcionar uma meta geral e uma estrutura conceitual para o apoio em fases e em prazo mais longo a um programa de grande dimensão, que envolva mais de um ciclo de projeto, e criar um esforço sistêmico e sustentado em uma determinada área, setor ou grupo de setores inter-relacionados que estejam lidando com problemas de desenvolvimento gerais.
     
  • Mecanismo de preparação e execução de projetos (PROPEF), que aperfeiçoa o atual Mecanismo de Preparação de Projetos(PPF) para proporcionar uma transição mais suave da preparação para a execução, financiando atividades adicionais no início do projeto. Também aumentou a quantia disponível por projeto para US$ 5 milhões.
  • Abordagem setorial ampla (SWAp) é uma abordagem pela qual todos os parceiros de desenvolvimento envolvidos em um setor colaboram para apoiar um único programa de política e gastos setoriais do governo, adotando abordagens comuns em todo o setor e avançando para o uso de procedimentos governamentais para desembolso e prestação de contas de todos os recursos. Uma SWAp não é um instrumento de crédito, mas uma abordagem que pode ser apoiada por qualquer um dos instrumentos de empréstimos de investimento do Banco. (Faça o download das informações completas)
GLOBAL CREDIT PROGRAMS

Global credit loans provide financial resources to micro, small, and medium-sized enterprises (MSMEs) or subnational entities (such as cities and states) to finance projects in many sectors that promote economic and social development. The funding is indirect. IDB extends funding to a first-tier private or public intermediary financial institutions, which in turn provides funding to a second-tier public financial institutions (such as a microfinance institution), which then lends to MSMEs or subnational entities. The size of the global credit loan is determined by expected demand for investments and the institutional capacity of the intermediary.

Examples of eligible activities include business loans that aim to increase the productivity of micro, small, and medium-size enterprises; or urban development programs that strengthen the economy by encouraging the development of activities linked to tourism and culture

LOAN BASED ON RESULTS

Loans based on results link disbursement of funds directly to the achievement of predefined, sustainable results. The aim is to help countries improve the design and implementation of their own (new or existing) development programs and achieve lasting results by strengthening good governance and fostering a management culture based on results. Such loans help shift the dialogue from day-to-day transactional issues to a broader and more enduring engagement between the IDB and borrowers.

Example of an eligible activity includes programs to encourage business innovation and entrepreneurship.

LOANS FOR SPECIFIC PROJECTS

This type of loan is designed to finance one or more specific projects for very specific purposes with interdependent components. By the time the IDB approves the loan, the project’s preliminary design, cost, and technical, financial and economic feasibility need to have been estimated.

A project is considered a specific investment if it cannot be divided up without affecting the nature of the project or the rationale for each of its independent components.

Examples of eligible activities include financing the construction of a hydroelectric plant, highway rehabilitation, sanitation improvements to protect a watershed, or upgrades in early childhood education.

MULTI-PHASE PROGRAMS LOANS

Multi-phase program loans provide long-term support for far-reaching programs that require more than one project cycle to reach their development objectives. The phases of eligible programs are independent and approved independently. However, compliance of one phase triggers the next one.

Examples of eligible activities include programs to strengthen judicial services; modernize a pension system; or pursue urban renewal.

MULTIPLE WORKS PROGRAMS

Multiple works loans are more open-ended than loans for specific projects. They are designed to finance groups of similar works that are physically independent of one another and whose feasibility does not depend on the execution of any given number of the works projects.

Because not all subprojects to be financed by the loan are known by the time the IDB approves the loan, borrowers should specify a representative sample of subprojects before the loan is approved. This sample should constitute approximately 30 percent of the project‘s cost. While the project is being executed, individual investments are financed in accordance with the eligibility criteria specified in the loan proposal.

Examples of eligible activities include financing water and sanitation services in numerous rural areas that were not all identified before the IDB approves the project.

PROJECT PREPARATION AND EXECUTION FACILITY

This facility aims to strengthen the preparation phase of a project, finance activities to help start projects before the first funds are disbursed from the larger loan, and lay the groundwork to make institutions more sustainable. The funds may also cover financing gaps for initial activities to execute the projects while necessary conditions (conditions precedent) are being met.

Example of an eligible activity includes preparation of a health loan to improve the quality of the health services delivery.

REIMBURSABLE TECHNICAL COOPERATION

A reimbursable technical cooperation (TC) transfers the IDB’s technical know-how and expertise to strengthen the technical capacity of entities in developing member countries over the long term.

Examples of eligible activities includeprograms that support better implementation of national or subnational sector polices or strengthen institutional capacity of national and subnational entities; improve the quality of public investment by financing pre-investment studies for strategic projects in all sectors; or promote public-private partnerships.

INVESTMENT LENDING INSTRUMENTS IN THE EVENT OF NATURAL DISASTERS

Contingent Credit Facility for Natural Disasters

This facility provides resources following a catastrophic disaster to cover a country’s immediate expenses to restore basic services to the population. Funding requires the existence of a disaster event of contractually agreed type, location, and intensity.

Immediate Response Facility

This facility helps cover immediate expenses incurred in restoring basic services to the population stricken by a natural and unexpected disaster.

Investment Lending Approaches to Provide Flexibility in Disbursements

Investment instruments can be executed with different approaches. A project that is structured using an “approach” can use any of the financial instruments available.

Conditional Credit Line for Investment Projects

The Conditional Credit Line for Investment Projects (CCLIP) can finance programs involving one sector or multiple sectors, and is expected to increase the agility of the processes to prepare and approve loans, reduce loan-processing costs; and reward borrowers for good performance in executing projects. By placing conditions on the credit line, the CCLIP supplies borrowers with timely resources, encourages them to execute the project well, and provides a vehicle to ensure efficient Bank support and continuous presence in the sectors of involvement.

Sector-wide Approach

The sector-wide approach (SWAp) aims at harmonizing project procedures among a government and its development partners in a single sector, strengthening the use of the country’s procurement systems. Funding arrangements can be pooled or non-pooled.