{"id":7804,"date":"2025-07-11T20:28:12","date_gmt":"2025-07-11T20:28:12","guid":{"rendered":"https:\/\/fundacioncapital.org\/?p=7804"},"modified":"2025-10-01T18:12:16","modified_gmt":"2025-10-01T18:12:16","slug":"mujeres-que-transforman-la-economia-desde-la-inclusion-productiva-y-financiera","status":"publish","type":"post","link":"https:\/\/fundacioncapital.org\/eng\/mujeres-que-transforman-la-economia-desde-la-inclusion-productiva-y-financiera\/","title":{"rendered":"Women transforming the economy through productive and financial inclusion\u00a0"},"content":{"rendered":"<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph translation-block\"><em>Written by: <a href=\"https:\/\/www.linkedin.com\/in\/camila-larrea-1712a068\/\" data-type=\"link\" data-id=\"https:\/\/www.linkedin.com\/in\/camila-larrea-1712a068\/\" target=\"_blank\" rel=\"noopener\">Camila Larrea<\/a>, Project Coordinator, and <a href=\"https:\/\/www.linkedin.com\/in\/diego-andrs-rueda-acevedo-2289172a\/\" data-type=\"link\" data-id=\"https:\/\/www.linkedin.com\/in\/diego-andrs-rueda-acevedo-2289172a\/\" target=\"_blank\" rel=\"noopener\">Diego Rueda<\/a>, Head of Income Growth Programs in Colombia.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Transforming the economy through productive and financial inclusion<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">In Colombia\u2019s Caribbean region, more than 240 women entrepreneurs have found a pathway for transformation for their lives and communities through the Women and More Productive Businesses program, led by the <a href=\"https:\/\/www.mincit.gov.co\/inicio\" data-type=\"link\" data-id=\"https:\/\/www.mincit.gov.co\/inicio\" target=\"_blank\" rel=\"noopener\">Ministry of Trade, Industry and Tourism<\/a> and <a href=\"https:\/\/www.colombiaproductiva.com\/\" target=\"_blank\" rel=\"noopener\">Colombia Productiva<\/a>. Many of them are survivors of armed conflict or forced displacement and, with the support of Fundaci\u00f3n Capital and <a href=\"https:\/\/fundacionpromigas.org.co\/\" data-type=\"link\" data-id=\"https:\/\/fundacionpromigas.org.co\/\" target=\"_blank\" rel=\"noopener\">Fundaci\u00f3n Promigas<\/a>, have strengthened their business and financial skills. Through specialized training and access to productive tools, the program promotes their economic autonomy and strengthens the sustainability of their businesses, generating a direct impact on the local economy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Diagnosis: a challenging reality with high potential for change<\/strong>\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The women participants came from contexts characterized by informal business practices, limited access to financial products, dependence on informal sources of credit such as payday loans, and an unequal burden of care responsibilities. Added to this are the psychosocial impacts of armed conflict and gender-based violence.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Given this reality, the program set out to develop personalized support processes that would enable each woman to develop strategies in line with her abilities, goals, and living conditions.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Intervention model: comprehensive support with a differentiated approach<\/strong>\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The methodology implemented combined technical assistance for business strengthening with group sessions focused on psychosocial well-being. A standardized approach was avoided, and instead, adaptive processes were designed to respond to the specific needs of each woman and each business. All initially received an assessment of gender gaps and financial needs, and from there, a personalized support plan that included:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comprehensive training: workshops and mentoring that strengthen entrepreneurs' business skills, boosting their confidence and vision for the future.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Financial inclusion: access to financial instruments (microloans, savings accounts) and digital tools to manage their income and plan for business expansion.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Support: personalized advice with flexible hours, ensuring a close relationship that respects your cultural and social context. A focus on family and community co-responsibility was promoted, which is essential for the sustainability of women-led businesses.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Main results: economic autonomy with positive indicators<\/strong>\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Among the most significant results of the program are:\u00a0<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph translation-block\"><strong>Incremento de ingresos<\/strong><br><br>El 100 % de las participantes aument\u00f3 sus ingresos, muchas de ellas duplic\u00e1ndolos, a partir de mejoras en la gesti\u00f3n de sus negocios.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph translation-block\"><strong>Digital financial inclusion<\/strong><br><br>More than 90% adopted digital tools such as e-wallets, QR codes, and digital accounting records.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph translation-block\"><strong>Informal debt<\/strong><br><br>No participant returned to using informal credit, demonstrating improved financial planning and access to formal alternatives.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph translation-block\"><strong>Skills strengthening<\/strong><br><br>Competencies such as leadership, negotiation, time management, and decision-making were strengthened.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Recognition of gender barriers<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Women identified how gender-based violence and social norms limit their economic growth, generating commitments for transformation.\u00a0<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key lessons: trust, dignity, and sustainability<\/strong>\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The program's results show that when you trust in the potential of women entrepreneurs, you can make a deep and lasting impact. Each business that's been strengthened shows the path they've taken toward greater economic independence, using financial tools based on their own decisions. The program showed that financial inclusion makes sense when it starts with personal recognition and building trust among women themselves.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Economic autonomy is strengthened when a woman recognizes herself as an entrepreneur, makes informed decisions, integrates financial tools, and affirms her role as an income generator.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Close, contextualized support is essential: understanding local realities and establishing horizontal relationships strengthens transformation processes.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando se invierte y acompa\u00f1a\u00a0a las mujeres en sus procesos econ\u00f3micos, los avances individuales repercuten positivamente en sus familias, comunidades y econom\u00edas locales.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Scaling what works: towards new partnerships for women's empowerment<\/strong>\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Women and More Productive Businesses demonstrates that it is possible to achieve sustainable results using models that combine business strengthening with psychosocial support. With positive indicators, validated learnings, and a replicable methodology, the next step is to scale up this experience to new communities.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Desde Fundaci\u00f3n Capital invitamos a gobiernos locales, entidades financieras, agencias de cooperaci\u00f3n y sector privado a construir alianzas que permitan adaptar esta estrategia junto a nuevas comunidades, reconociendo sus contextos y aprendizajes.\u00a0Replicar la f\u00f3rmula en otras comunidades promete multiplicar el impacto de estas iniciativas. Estas historias inspiran confianza en los resultados: son prueba de que invertir en las mujeres es invertir en el desarrollo integral de sus familias y regiones, cerrando brechas sociales y econ\u00f3micas con sostenibilidad.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every strengthened business represents a story of resilience turned into development. And every woman who consolidates her economic autonomy is proof that another economy is possible: one that begins with trust.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\" \/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>To learn more about our initiatives, follow us, reach out, and share.\u00a0<\/strong><\/p>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/company\/fundacion-capital\" class=\"wp-block-social-link-anchor\" target=\"_blank\" rel=\"noopener\"><svg width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path 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class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Escrito por: Camila Larrea, coordinadora de proyecto, y Diego Rueda, jefe de programas para el crecimiento de ingresos en Colombia.\u00a0 Transformar la econom\u00eda desde la inclusi\u00f3n productiva y financiera En el Caribe colombiano, m\u00e1s de 240 mujeres emprendedoras han encontrado en el programa Mujeres y Comercios M\u00e1s Productivos, del Ministerio de Comercio, Industria y Turismo [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":7805,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[79,81],"class_list":["post-7804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inclusion-economica","tag-desarrollo-sostenible","tag-fundacion-capital-colombia"],"_links":{"self":[{"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/posts\/7804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/comments?post=7804"}],"version-history":[{"count":5,"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/posts\/7804\/revisions"}],"predecessor-version":[{"id":7866,"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/posts\/7804\/revisions\/7866"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/media\/7805"}],"wp:attachment":[{"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/media?parent=7804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/categories?post=7804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fundacioncapital.org\/eng\/wp-json\/wp\/v2\/tags?post=7804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}