Recent developments, current situation and prospects for financial inclusion among small-scale rural producers in Costa Rica

R. Vásquez, Melvin Bermúdez, Ronald Rojas, C. Vásquez
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Abstract

In Costa Rica, efforts to increase the supply of credit to small-scale producers in rural areas have historically gone hand in hand with the development of public banks. Rural credit boards, sponsored by the National Bank of Costa Rica since their inception, and the nationalization of banks since 1948, laid the foundations for financial inclusion. This was achieved through credit targeted on agricultural production and the opening of bank branches virtually throughout the country. The transition from an agro-export development model to a model based on exports of services and manufacturing resulted in a steady decline in lending to small-scale rural producers and thus undermined the process of financial inclusion from which they had benefited for many years with these instruments.
哥斯达黎加农村小规模生产者普惠金融的最新发展、现状和前景
在哥斯达黎加,向农村地区的小规模生产者增加信贷供应的努力历来与公共银行的发展同时进行。农村信贷委员会自成立以来就由哥斯达黎加国家银行赞助,1948年以来银行国有化为普惠金融奠定了基础。这是通过以农业生产为目标的信贷和几乎在全国各地开设银行分行来实现的。从农产品出口发展模式向以服务和制造业出口为基础的模式过渡,导致向小规模农村生产者提供的贷款稳步下降,从而破坏了他们多年来通过这些工具受益的普惠金融进程。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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