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1 | Nicaragua: A Closer Look at a Government Program for Microloans | Nikaragoa : Fanaraha-maso akaiky ny tetikasam-panjakana mivoy “fampindramam-bola madinika” |
2 | Last Sunday on “Esta Semana”, a 60 Minutes-style TV news program in Nicaragua, a report took and in-depth look at Usura Cero (Zero Usury), a goverment-financed program that gives soft loans to women-led microbusinesses. | Nandritra ny fandaharana “Esta Semana” [Ity herinandro ity] izay fandaharana fampahalalam-baovao maharitra 60 minitra mpandeha amin'ny fahitalavitra any Nikaragoa, nisy tatitra sy fanadihadiana ny mikasika ny fomba fanao manodidina ny Usura Cero (zanabola aotra) izay tetikasam-panjakana mivoy “fampindramam-bola kely” hoan'ireo vehivavy izay mpandraharaha “madinika”. Naren Mayorga no mamintina ao amin'ny ¿Y ahora de que vamos a hablar? |
3 | But Naren Mayorga from ¿Y ahora de que vamos a hablar? [es] summarizes the scope of the program: | [Rahoviana isika izany vao mba handray fitenenana ?] izay vokatra efa nentin'ity tetikasa izay ambany fifehezana henjan'ny fanjakana nikaragoana ity: |
4 | The little that is known is that loans of C$1,000-C$5,000 Cordobas are given to urban women vendors under the methodology of solidarity groups and with low, subsidized interests rate of about 4% annual with a grace period between 2-6 months according to the amount lent. | Izay kely mba fantatra momba ity dia ny fampindramam-bola mitentina $1'000-$5'000 C hoan'ireo vehivavy mpivarotra monina an-tanana, araky ny fomba fiasa manentana azy ireo hivondrona sy hiray hina izay arahina zana-bola iva 4 % izay tohanan'ny fanjakana sady ampian'ny tsy fandoavana zanabola mandritra ireo 2-6 volana voalohany miankina amin'ny habetsahan'ireo vola indramina sy ireo sampandraharaha sy biraom-panjakana samihafa mandray anjara amin'izany tetikasa izany. |
5 | Different organizations and state institutions are involved in the administration. This help does not cover the financial needs of the beneficiaries. | Ho fanampin'izany, tsy ny fahadisoan'ny tatitry'ireo mpanao gazety ihany no hitsian'ity blaogy ity fa na izay fanambaran'ny talen'izany tetikasa izany koa aza. |
6 | One beneficiary told Esta Semana she uses around C$10,000-C$15,000 Cordobas in loans, so the goverment help does just cover a part of the a third part of the money. | |
7 | In addition, the blog signals and points not just the errors made by the TV journalistic crew, but by the goverment and directors of the program. | … tamin'ny tafatafa nataon'ny tompon'andraikitry ny governemanta misahana ny tetikasa Usura Cero (zanabola aotra), nambaran-dRamatoa fa tena fahombiazana tanteraka ity tetikasa ity satria tafakatra taha-70% ny famerenam-bolan'ireo mpindram-bola. |
8 | …In a inverview of the manager of Zero Usury on one of the official government-run media, she said that the program was a complete success because they were making 70% debt recovery. | Anefa amin'ny tetikasa toy itony, mila mahatratra taham-pamerenam-bola 90% mba hialana amin'ny fatiantoka manambana raha tsy izany dia ho voa-ozona ny hiantehatra hatrany amin'ny tolo-bolam-panjakana na koa fanomezana avy any amin'ny firenena vahiny. |
9 | For a program of this kind they must have a debt recovery rate of at least 90% or they will be condemned to failure or have to survive with goverment money or foreign countries donations. | |
10 | Continue reading here the other 6 arguments of Naren here… | Manasa anao hamaky ireo hevitra 6 hafa izay atolotry Naren etoana … |