4. • Emerging markets have become the engine of growth for
the world economy.
• Increased capital attraction to sustain their expansion.
• Microfinance was born as a need to provide capital and
fulfill demand in this economies.
– Double bottom line:
• Social impact – impact investing
• Profitability & regulation
5. • MSME* sector: pillar of world’s economy.
• 95% of registered business are MSME1.
• > 65% of world’s GDP is generated by MSME1.
• Source of income, employment & growth.
*MSME: Micro, Small & Medium Enterprises
6. • Investments done with the aim of generating social,
environmental and financial value1.
• Positive impacts beyond financial return.
• Reaches specially the bottom of pyramid population in
emerging countries.
• Development tool to include low-income households in
economy’s virtuous growth cycle
7.
8. • Actual financing options doesn’t meet their needs
• MSME normally depend on:
• Self-financing or informal financing solutions
• Gap between financing demand & supply in MSME
sector is of US$ 2.1T - US$2.5T1
• Vicious cycle preventing growth &development
9. • Factors in banking activities that prevent financial
inclusion2:
• Costs & requirements
• Deficient customer care & tools for assessing risk
• Level of income and lack of formality
• Bottom of the pyramid isn't able to access & use
financing
10. • By 2050:
• 70% of world’s population will live in urban areas 3
• 63% of population of developing countries will live in cities 3
• In LATAM, housing deficit: 37% of households 4
• > 21 million households lack of at least 1 basic service 4
• Low-income population needs financing mechanisms to
access housing
• Non-affiliated workers: unattended relevant segment
11.
12. An entrepreneur & articulator of
investment initiatives to boost and
develop sustainable housing for lowincome population in emerging
countries (specially LATAM region).
Socially
Responsible
Investors
Articulator
Housing
developers
and/or
Mortgage
providers
Low-income
population
and/or nonaffiliated
workers
13. • Housing = shelter = basic need of everybody
• A home is a legacy - heritage for the family
• It dignifies people’s standard of living, promoting welfare
• Sustainable housing = homes with eco-technologies in order to
use resources more efficiently and save money.
• Low-income population hasn’t adequate options to access to
home, they need specialized financing products.
• Housing is an engine for economic growth, value creation and
development of communities.
14. Be an agent of change, by devoting his
knowledge, abilities and effort to assist the bottom
of the pyramid from developing countries to access
a home, thus improving their quality of life and
welfare.
15. • Proactive person who seeks for socially
responsible investors who would like to invest
with the aim of providing low income population
access to a heritage for their family.
• Knowledgeable person who identifies key
housing construction or mortgage providers
players in emerging countries in need of
financing for sustainable housing development.
16. GMBA+ will play an essential role in allowing the articulator
achieve his objective.
• Knowledge, leadership skills & networking
• Tools that will enhance Pablo’s current abilities to
achieve his goal and foster sustainable housing for
low-income population and shared value creation.
17.
18. • MSME in Emerging countries constitute an engine of
world’s growth & development.
• Low-income population isn’t able to access & use financial services.
• Housing = basic need, welfare, quality of life.
• Pablo would like to support the bottom of the pyramid to
access to housing, thus creating shared value.
• IE strategic tool for him to become an agent of change.
19. 1. Impact Investing in Latin America: a deeper look at the
corporate role. September 2013. Symbiotics.
• http://www.syminvest.com/papers
2. How to contribute to Financial Inclusion? Inventory of products
and services available. 2012. FOMIN.
• http://services.iadb.org/mifdoc/website/publications/9c6e93d5-7e00-4d60-904f-bcab92bd8fde.pdf
3. Global Report on Human Settlements 2009.UN Habitat.
• http://www.unhabitat.org/pmss/listItemDetails.aspx?publicationID=2838
4. Un espacio para el desarrollo: los mercados de vivienda de
America Latina y el Caribe. 2012. IDB.
• http://idbdocs.iadb.org/wsdocs/getdocument.aspx?docnum=37714821
