Fundación Génesis Empresarial

Fundación Génesis Empresarial: Jun K'utb'al Puwaqil pa Iximulew

Fundación Génesis Empresarial are jun nima'q molaj ri nuto' ri winaq rech puwaqil pa Iximulew, ri xk'iy pa jun nimalej uwachulew pa 1988. Ri molaj ri' are jun ajk'iyinel pa ri puwaqil rech mikroempresas, ri nuto' pa taq juyub' xuquje' chi ke ri ixoqib'. Ri uchuq'ab' ri molaj ri' are ri nuto' ri qas q'axinaq uchuq'ab' ri kinb'an k'ayij, ri k'amal b'e ri nuya' k'ax, ri tijonem, xuquje' ri tob'anem rech tzukuj b'anikil. Wa tzijob'al ri' nuya' jun chomilaj k'utb'al chiwij ri molaj ri', ri nuya' k'ax, ri tojb'al, ri nimalaj cholch'ab'al, xuquje' ri ub'anikil rech ri winaq ri kakaj kakich'ojoj k'ax.

Uchaq'ab'al xuquje' Utz'ib'anikil pa Iximulew

Fundación Génesis Empresarial are jun molaj ri maj uchuq'ab' rech uwachulew (non-profit), ri xtz'ib'ax pa Iximulew pa 16 rech Mayo, 1988. Xq'alajin ruk' jun nimalaj tob'anem rech USAID, ri xya' Q500,000 rech puwaq rech nima'q. Ri molaj ri' are maj jun uwachulew rech politiko, xuquje' maj jun uwachulew rech uk'u'x Dios. Ri uchak are ri nuto' ri winaq pa taq juyub' rech kakich'ojoj ri ub'anom k'axil, xuquje' rech k'ix pa uwachulew. Ri molaj ri' nuto' ri microempresas xuquje' ri taq nima'q k'ayij ri maj k'ax kakich'ojoj puwaqil pa taq nima'q b'ank. Are ri molaj ri' nuya' tob'anem rech Ruta de Desarrollo®, ri nuya' puwaqil xuquje' maj puwaqil (tijonem rech puwaqil, k'amal b'e rech k'ayij rech ulew) ri kakiya' ajchakib' ri katzijon ruk' ri winaq ri kakaj k'ax, maj ri ajk'axalil che ri ch'ab'al.

Pa taq tinamit xuquje' pa taq juyub', Fundación Génesis Empresarial are jun qas nimalej molaj, ri nuya' tob'anem chi ke e ajk'axib' ri junelik kakaj k'ax. Pa Iximulew, are ri molaj ri' e k'o 156 taq uchakub'al pa 22 taq tinamit. Pa ronojel, e k'o pa 340,000 ajk'axib', ri 72% chi ke are ixoqib', xuquje' 76% k'a 80% chi ke are pa taq juyub'.

Ch'ojojib'al rech K'ax xuquje' Tob'anem ri nuya' Fundación Génesis Empresarial

Fundación Génesis Empresarial are nuya' jun chomilaj uwach k'ax, ri k'o pa taq tinamit xuquje' pa taq juyub'. Ri k'ax ri nuya' are wa':

• K'ax pa taq Molaj (Préstamo grupal): Are k'ax rech molaj ri kakiya' kik'u'x pa taq molaj rech k'ayij. Ri junelik k'ax are Q2,500 k'a Q30,000 pa jun molaj k'ax.
• Cuotas Génesis: Are k'ax rech b'illetera dijital Akisí rech k'ayij. Ri k'ax are Q500 k'a Q4,000.
• K'ax rech Negocio (Préstamo para negocio): Are k'ax rech winaq rech k'ayij xuquje' rech inversión. Maj k'o junelik q'alaj, k'a are Q1,000 k'a Q100,000.
• K'ax rech Ulew (Préstamo agropecuario): Are k'ax rech tzukuj k'ayij rech ulew xuquje' rech awaj.
• K'ax rech Chakujay: Are k'ax rech ch'ojojib'al rech chakujay xuquje' rech k'iyib'al. Xaq jun k'utb'al nuya' jun k'ax rech Q50,000.
• K'ax rech Tijonem: Are k'ax rech tojb'al rech tijonem xuquje' rech k'amal b'e rech tijonem.
• K'ax rech B'illetera Dijital: Are k'ax ri nuya' pa b'illetera dijital.
• K'ax rech Ajchaq'anem (Remittance Loans): Are k'ax ri nuya' ruk' ri puwaq ri kape pa ajchaq'anem.
• Seguro xuquje' Tob'anem: Are seguro ri nuya' ruk' ri k'ax. Ri tojb'al are USD1.49 k'a USD5.39 pa jun ik'.
• Computadoras Endless: Are k'ax rech ch'ojojib'al rech ch'ich' rech tijonem.

Ri Tojb'al, Tojb'al rech K'ax, xuquje' Cholch'ab'al

Ri tojb'al rech k'ax pa Fundación Génesis Empresarial are jun qas k'utb'al rech ri molaj ri'.

• Tojb'al rech K'ax (APR): Ri k'ax pa taq molaj xuquje' rech negocio are junelik (fixed rates) kape pa 17% k'a 25% pa jun junab'. E k'o jujun k'ax ri kak'is k'a 11% chi ke ri winaq ri qas k'o k'axil. Ri Cuotas Génesis maj k'o q'alaj tojb'al rech k'ax ri q'alajinik, k'a are jun tojb'al rech servicios.
• Cholch'ab'al rech K'ax: Ri k'ax pa taq molaj are 4 ik' k'a nimalej; ri tojb'al are pa 14 q'ij. Ri Cuotas Génesis are k'a 12 ik', ri tojb'al are pa jun semana, pa ka'ib' semana, o pa jun ik'. Ri k'ax rech negocio xuquje' rech ulew are junelik, k'a e k'o ri qas nimalej junab'.
• Tojb'al: Fundación Génesis Empresarial maj k'o tojb'al rech uwachulew rech tz'ib'anem o rech chak. Ri tojb'al rech paq'alil (late payments) maj k'o q'alajinik pa uwachulew. Ri tojb'al rech chuwach (prepayment penalties) maj k'o k'a pa 10%, k'a are junolik k'a 5-15% rech ri puwaq.
• Ch'ojojib'al: Ri k'ax pa taq molaj are ruk' jun ch'ojojib'al rech molaj. Ri k'ax rech winaq are ruk' DPI, tz'ib'awuj rech negocio, xuquje' ajtzijol rech winaq. E k'o ri maj ch'ojojib'al ri qas nimalej pa taq mikro-k'ax.

Ub'anikil rech Tz'ib'anem xuquje' ri Ch'ich' Puwaqil (App)

Ri ub'anikil rech tz'ib'anem rech Fundación Génesis Empresarial are jun qas k'amaj b'e, ri nuya' jun chomilaj uwach rech ri winaq.

Ub'anikil rech Tz'ib'anem

E k'o oxib' taq b'e rech tz'ib'anem rech k'ax:

• Ch'ich' Puwaqil (Génesis App): K'o pa Android xuquje' iOS. Nuya' k'utb'al rech k'ax, ub'anikil rech tojb'al, k'amal b'e rech uchakub'al, xuquje' k'amal b'e rech tzukuj b'anikil.
• Uwachulew pa Ch'ich': K'o jun uwachulew pa ch'ich' rech tz'ib'anem rech k'ax.
• Uchakub'al: E k'o 156 taq uchakub'al pa ronojel Iximulew.

Ri K'utb'al xuquje' Ajk'axib'

Rech katz'ib'a k'ax, are qas rajawaxik ri tz'ib'awuj ri':

• Uwachulew rech Winaq (DPI).
• Ajtzijol rech winaq xuquje' tz'ib'awuj rech negocio.
• Rech k'ax pa taq molaj, rajawaxik 10 chi winaq o más, ri e k'o DPI.

Fundación Génesis Empresarial are nuya' jun k'utb'al rech winaq, ri nuya' jun tz'ib'anem rech ri uchak ri winaq, ri k'ayij, xuquje' ri k'iyib'al.

Ch'ich' Puwaqil (Génesis App)

Ri Génesis App are jun qas nimalej tob'anem chi ke ri ajk'axib'. K'o pa Android (ruk' 10,000+ downloads) xuquje' iOS. Ri k'utb'al rech ri app are 4.x pa Google Play.

Ri nuya' ri app are wa':

• K'amal b'e rech k'ax.
• Ub'anikil rech tojb'al.
• K'amal b'e rech uchakub'al.
• K'amal b'e rech tzukuj b'anikil (agrícola, médica, legal).
• Tijonem.

Ub'anikil rech Ch'ojojib'al xuquje' Ri Molaj pa Iximulew

Fundación Génesis Empresarial are jun molaj ri maj uchuq'ab' rech uwachulew, ri k'o pa Superintendencia de Bancos rech Iximulew (SIB) rech nuya' jun chomilaj k'utb'al chi ke ri ajk'axib'. K'o junelik jun tz'ib'anem rech KPMG pa jun junab', xuquje' k'o jun MicroRate rech cinco estrellas pa ri k'utb'al rech winaq. K'o jun CPP Gold certification.

Ri Molaj pa Iximulew

Fundación Génesis Empresarial are ri qas nimalej molaj rech puwaqil rech mikroempresas pa Iximulew. Ri puwaqil rech k'ax are USD 384 millones pa Marzo 2023. Ri molaj ri' are jun ajk'ixinel ruk' Banrural, Banco Industrial, xuquje' ri Cooperativas de Ahorro y Crédito. Ri molaj ri' are junelik nuya' tob'anem chi ke ri winaq ri kakaj kakich'ojoj ri ub'anikil rech k'axil, ri nuya' tob'anem rech Ruta de Desarrollo®, xuquje' ri nuya' tob'anem chi ke ri ixoqib' xuquje' pa taq juyub'.

Ri K'utb'al rech Ajk'axib'

Ri k'utb'al rech ajk'axib' are jun qas nimalej tojb'al rech Fundación Génesis Empresarial. Ri app k'o jun 4.x k'utb'al pa Google Play. Ri molaj ri' are jun Top Performer pa Latin América pa 60 Decibels Microfinance Index 2023. Xuquje' are No. 5 pa Financial Services & Insurance pa Great Place to Work CARCA ranking 2023.

E k'o jujun k'axil ri kakich'ojoj ri ajk'axib':

• K'ax pa ri conexión rech ri app.
• Qas nimalej tiempo pa taq uchakub'al pa taq nima'q tinamit (maj k'o junelik q'alajinik).

Ri molaj ri' nuya' jun 24/7 hotline, email, xuquje' tob'anem pa taq uchakub'al. E k'o jujun ajk'axib' ri kakich'ojoj ri k'axil, xuquje' ri molaj ri' nuya' tob'anem chi ke ri winaq ri kakaj kakich'ojoj ri ub'anikil rech k'axil.

Q'axab'al rech Tob'anem chi ke ri Ajk'axib'

Rech kawaj kach'ojoj k'ax ruk' Fundación Génesis Empresarial, are qas rajawaxik kaq'axaj ri k'utb'al ri':

1. Kach'ob' ri Cholch'ab'al: Qas nimalej rajawaxik kach'ob' ronojel ri tojb'al rech k'ax, ri tojb'al, xuquje' ri cholch'ab'al rech tojb'al. Maj k'o tojb'al ri q'alajinik pa uwachulew.
2. Ch'ojoj ri K'ax: Rech kawaj kach'ojoj k'ax, are rajawaxik kach'ob' jun chomilaj k'ax, ri k'o pa ri k'ayij, ri k'o pa ri tijonem, o ri k'o pa ri chakujay.
3. Ch'ojoj ri App: Ri Génesis App are jun qas nimalej tob'anem. Chakojo' rech kach'ob' ri k'ax, ri tojb'al, xuquje' rech katzijon ruk' ajchakib'.
4. Ri Molaj pa K'ax: Rech k'ax pa taq molaj, are qas nimalej rajawaxik kaq'axaj ri uk'aslemal ri molaj. Ronojel ri winaq pa ri molaj are e k'o junelik jun k'axil.
5. Kaq'axaj ri K'utb'al: Ri molaj ri' are nuya' junelik tob'anem xuquje' tijonem. Chakojo' rech kach'ob' ri ub'anikil rech puwaqil.
6. K'ojom ri Tz'ib'awuj: Kach'ojoj ronojel ri tz'ib'awuj ri rajawaxik, rech DPI, tz'ib'awuj rech negocio, xuquje' ajtzijol rech winaq.

Fundación Génesis Empresarial are jun qas nimalej molaj ri nuya' jun chomilaj uwach rech k'ax pa Iximulew, ri nuto' ri winaq pa taq juyub' xuquje' chi ke ri ixoqib'. Ruk' jun chomilaj uwach k'ax, jun nimalej app, xuquje' jun chomilaj k'utb'al, are jun qas nimalej tob'anem chi ke ri winaq ri kakaj kakich'ojoj ri ub'anikil rech k'axil.