Rucholajil Ri FINCA Impact Finance pa Guatemala
Ri Fundación Internacional Para La Asistencia Comunitaria (FINCA Guatemala) are jun nimalaj ajk'amal b'e pa ri ukojik pwaq chi ri winaq pa Guatemala. Xutik'ib'a' ri uchak pa 1998, are k'o pa jun nimalaj molojil ri FINCA Impact Finance. Ri rachoch nimalaj k'o pa 7 Av. 11-11 Zona 9, Guatemala City. Ri uchak are uya'ik pwaq k'aslem chi ke ri winaq k'o naq'ij chi ke, ri winaq ajtinamit, xuquje' ri taq k'ayib'al nima'q, k'i chi ke ri winaq are taq ixoqib'.
Ri FINCA Guatemala nuya' k'i uwach pwaq k'aslem, k'o ri pa moloj, k'o ri pa jun winaq, xuquje' k'o ri chi ke ri taq k'ayib'al nima'q (SME). Are k'o naq'ij chi ke ri taq ixoqib' ri ke'ajilanik pa ri uchak (80% chi ke ri ke'ajilanik are ixoqib'), xuquje' 34% chi ke ri winaq are k'o naq'ij chi ke pa ri tinamit.
Ri Taq Pwaq K'aslem Xuquje' Ri Taq Rajilomal
Ri FINCA Guatemala nuya' oxib' uwach pwaq k'aslem chi ke ri winaq, rech kito' ri k'ayib'al xuquje' ri kichak:
- Pwaq k'amoj pa Moloj: Are wa' pwaq k'aslem chi ke ri taq molojil ixoqib', ri k'o junam chi ke rech ketajin pa taq k'ayib'al. Ri nimalaj pwaq are Q1,500 k'a Q5,000. Ri uq'ijol rech katzuj ri pwaq are 12 k'a 24 semena, xuquje' nuku'b'a' katzuj pa jujun semena.
- Pwaq k'amoj pa Jun Winaq: Are wa' pwaq k'aslem chi ke ri taq k'ayib'anel rech kixk'iyir ri k'ayib'al, xuquje' rech kito' kib' pa ri uchak. Ri nimalaj pwaq are Q5,000 k'a Q30,000. Ri uq'ijol rech katzuj ri pwaq are 6 k'a 12 ik', xuquje' nuku'b'a' katzuj pa jujun ik' o pa jujun ka'ib' semena.
- Pwaq k'amoj pa Taq K'ayib'al Nima'q (SME): Are wa' pwaq k'aslem chi ke ri taq k'ayib'al nima'q, rech kek'iyir xuquje' rech ke'ik'ow pa taq nimalaj uchak. Ri nimalaj pwaq are Q30,000 k'a Q300,000. Ri uq'ijol rech katzuj ri pwaq are 12 k'a 36 ik', xuquje' nuku'b'a' katzuj pa jujun ik'.
Ri Taq Uchuq'ab' Xuquje' Ri Taq Pwaq Rejcha'ik
Are jun nimalaj tzij rech na'oj chi ri winaq are ke'ajilanik ri uchuq'ab' rech ri pwaq k'aslem, ri taq pwaq rejcha'ik, xuquje' ri uq'ijol. Ri FINCA nuya' ri taq uchuq'ab' rech ri pwaq k'aslem (APR) are wa':
- Chi ri Pwaq k'aslem chi ri winaq k'o naq'ij chi ke: K'o 24% k'a 36% pa jun juna' (APR).
- Chi ri Pwaq k'aslem chi ri taq k'ayib'al nima'q: K'o 18% k'a 24% pa jun juna' (APR).
Xuquje', k'o jun pwaq rejcha'ik rech utik'ib'axik ri pwaq k'aslem, are wa' 2% k'a 4% rech ri nimalaj pwaq ri k'amoj. Wi ma nitzuj ta ri pwaq pa uq'ijol, k'o jun pwaq rejcha'ik rech k'a ma xk'is ta q'ij, are wa' 1% k'a 2% pa jujun ik' chi ri pwaq ri k'a ma tzujun ta.
Pa ri pwaq k'amoj pa moloj, ri moloj winaq are ke'el pa junam chi ke rech ri pwaq. Pa ri pwaq k'amoj pa jun winaq, ma k'o ta jun b'anob'al nimalaj k'o. Pa ri pwaq k'amoj pa taq k'ayib'al nima'q, k'o jun b'anob'al ri nimalaj k'o, k'o ri b'anob'al ri nawinik, o k'o jun moloj winaq ri ke'el pa junam chi ke.
Ri Rajilomal rech Utz'ib'axik Xuquje' Ri Uchakujik
Are jun nimalaj tzij rech na'oj chi ri ajk'am pwaq are ke'el pa taq rache'l FINCA xuquje' pa ri apilicación SoyFINCA rech Android.
Ri Taq No'j chi re Utz'ib'axik
Rech naya' ri atz'ib'anem rech pwaq k'aslem, are rajawaxik naya' ri taq uwujil wa':
- DPI: Ri awujil rech ri tinamit.
- Uwujil rech ri rachoch: Jun uwujil ri nuya' ub'ixik chi ri achoch.
- Uwujil rech ri k'ayib'al: Jun uwujil ri nuya' ub'ixik chi ri uchak ri ak'ayib'al.
Ri FINCA k'o 28 rache'l pa ronojel Guatemala, xuquje' k'o jun rachoch pa internet. Xuquje' k'o ri apilicación SoyFINCA rech Android, ri nuya' q'ij chi ke ri winaq rech ke'ib'ixaxik xuquje' rech keta'maj chi ri pwaq k'aslem are k'a ma xutz'ib'aj ta ronojel. Ri ajchakib' rech FINCA k'o jun apilicación FGMovil chi ke, rech ke'ik'ow chi ri taq winaq xuquje' rech ke'uch'ob' chi ri taq uwujil pa uq'ijol.
Are chi k'o ri atz'ib'anem, ri FINCA nuya' jun uwachib'al chi ri pwaq k'aslem pa 24 k'a 48 hora. Are chi naya' ri pwaq k'aslem, nawinik naya' ri pwaq pa rachoch FINCA, o pa taq banco ri ke'ajilanik (BAM, G&T), o pa Tigo Money.
Ri Apilicación SoyFINCA Xuquje' Ri Uk'aslemal pa Internet
Ri SoyFINCA are jun apilicación rech Android ri nawinik nachajij chi Google Play, k'o jun uwachib'al 4.2/5 chi ri winaq ri ke'ukoj. Ri apilicación nuya' q'ij chi ke ri winaq rech ke'ib'ixaxik rech pwaq k'aslem, xuquje' rech keta'maj ri nimalaj no'j chi ri FINCA. K'o k'ax chi ri apilicación pa jujun q'ij, k'o jun q'ij are nujawachij ri uwujil.
Ri FINCA k'o jun uwachib'al pa internet (finca.gt), xuquje' k'o pa Facebook, xuquje' k'o jun uchak pa WhatsApp rech kito' ri winaq.
Ri Kajilomal pa Ri Tinamit Xuquje' Ri Juch'ob'al rech Ri Ley
Ri FINCA Guatemala are jun molojil ri k'o uq'ij rech nuya' pwaq k'aslem pa Guatemala, are xuk'am ri uq'ijol chi ri Superintendencia de Bancos. Are jun molojil ri nuchajij ri Bank of Guatemala, xuquje' k'o jun uchak chi ri credit bureau.
Ri FINCA nuya' jun nimalaj no'j chi ri winaq rech keta'maj ri taq pwaq rejcha'ik, ri taq uchuq'ab', xuquje' ri taq no'j chi ri pwaq k'aslem. Xuquje', k'o jun uchak rech kito' ri winaq wi k'o jun k'ax chi ke, k'o jun rachoch FINCA ri nuya' uchak rech kito' ri winaq.
Ri Kajilomal pa Ri Tinamit Xuquje' Ri Taq Ajch'a'kaxel
Ri FINCA Guatemala are ri ruka'n nimalaj molojil ri nuya' pwaq k'aslem pa Guatemala, k'o jun nimalaj pwaq USD 34 million pa ri nab'e juna' 2020. Are k'o ri FINCA, ri nimalaj ajch'a'kaxel are Compartamos Banco, Banco Azteca, Banco Industrial, xuquje' ri taq molojil pa ri tinamit.
Ri FINCA nuch'ob' k'i uwach pwaq k'aslem chi ke ri taq ixoqib', xuquje' k'o jun nimalaj uchak pa ri taq juyub' (70% chi ke ri winaq are ajtinamit). Ri FINCA nuch'ob' rech nuk'iyir ri uchak pa internet, xuquje' rech nuya' k'i uwach pwaq k'aslem chi ke ri taq k'ayib'al nima'q.
Ri Taq No'j chi re Ajk'am Pwaq
Are jun nimalaj tzij rech na'oj chi ri ajk'am pwaq are ke'ib'ixaxik chi ri FINCA, rech keta'maj ri taq pwaq k'aslem, ri taq uchuq'ab', ri taq pwaq rejcha'ik, xuquje' ri taq uq'ijol. Are rajawaxik naya' ri taq uwujil pa uq'ijol, xuquje' are rajawaxik nuchajij ri pwaq k'aslem pa uq'ijol rech ma k'o ta jun k'ax.
Wi k'o jun k'ax chi ri pwaq k'aslem, are rajawaxik naya' ub'ixik chi ri FINCA pa uq'ijol, rech k'o jun to'b'al chi re. Ri FINCA nuya' jun nimalaj uchak chi ke ri winaq, xuquje' nuya' jun nimalaj no'j chi ri winaq rech keta'maj ri taq no'j chi ri pwaq. Are jun nimalaj uchak ri FINCA pa Guatemala, rech kito' ri winaq rech kixk'iyir ri k'ayib'al xuquje' rech kixk'iyir pa ri k'aslemal.
