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Genom Sidas garanti­samarbete med landets största spar- och kreditkooperativ, börjar det förändras.","sida-i-varlden%2Flander-och-regioner%2Fguatemala%2Fgarantier-starker-foretagare-i-guatemala","sv",{"sv":784},"page","template-longread",[790,808,811,813,825,827,832,834,836,848,852,854,867,869,881,885,887,889,891,893,895],{"blockName":791,"attrs":792},"acf\u002Fimage",{"data":793},{"cc_block_image__image":794,"cc_block_image__description":806,"cc_block_image__photographer":807},{"url":795,"alt":796,"width":797,"height":798,"sizes":799,"subtype":803,"filesize":804,"cc_photograph":805},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153439\u002FDora-framfor-bageri-i-Guatemala-1-1.jpg","En kvinna som står i en dörröppning till en byggnad.",834,469,{"thumbnail":800,"medium":801,"medium_large":802,"large":795,"1536x1536":795,"2048x2048":795},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153439\u002FDora-framfor-bageri-i-Guatemala-1-1-150x150.jpg","https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153439\u002FDora-framfor-bageri-i-Guatemala-1-1-300x169.jpg","https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153439\u002FDora-framfor-bageri-i-Guatemala-1-1-768x432.jpg","jpeg",269137,"Martin Hessel, Sida","Dora gick från gatuförsäljare till att driva ett växande bageri. ","Martin Hessel\u002FSida",{"blockName":809,"innerHTML":810},"core\u002Fparagraph","\u003Cp>Genom att dela kreditrisk har Sida gjort det möjligt för COSAMI, landets största spar- och kreditkooperativ, att låna ut närmare 10 miljoner USD till ungefär 1 000 småföretag i regionen Totonicapán. Tack vare garantin har företagare som annars skulle nekats lån – på grund av brist på säkerheter eller avsaknad av kredithistorik – nu kunnat investera och expandera sina verksamheter. \u003C\u002Fp>",{"blockName":809,"innerHTML":812},"\u003Cp>– Garantin har utnyttjats fullt ut. Några lån har fallerat och Sida har gjort en del utbetalningar till COSAMI för att täcka en del av dessa förluster – precis som förväntat. Det är så här garantier ska fungera och ett bra exempel på effektiv riskdelning med en finansiell aktör\", säger Niklas Eklund, programansvarig specialist på Sidas enhet Garanalys.\u003C\u002Fp>",{"blockName":791,"attrs":814},{"data":815},{"cc_block_image__image":816,"cc_block_image__description":824,"cc_block_image__photographer":805},{"url":817,"alt":818,"width":797,"height":798,"sizes":819,"subtype":803,"filesize":823,"cc_photograph":805},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153741\u002FTeamet-i-Guatemala-2.jpg","En grupp människor som står bredvid varandra.",{"thumbnail":820,"medium":821,"medium_large":822,"large":817,"1536x1536":817,"2048x2048":817},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153741\u002FTeamet-i-Guatemala-2-150x150.jpg","https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153741\u002FTeamet-i-Guatemala-2-300x169.jpg","https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153741\u002FTeamet-i-Guatemala-2-768x432.jpg",382174,"Martin Hessel, Niklas Eklund och Albert Granlund från Sidas garantienheter tillsammans med Odilia Lopez, handläggare på ambassaden i Guatemala.",{"blockName":809,"innerHTML":826},"\u003Cp>Garantier fungerar inte bara som ett finansiellt instrument, utan också som ett utvecklingsverktyg som gör det möjligt för lokala finansinstitutioner att nå nya kundgrupper.\u003C\u002Fp>",{"blockName":828,"innerHTML":829,"innerContent":830},"core\u002Fheading","\u003Ch2 id=\"25ddf7aa-72d0-40db-8a1d-51fc7f968201\">Team Europe-initiativ\u003C\u002Fh2>",[831],"\n\u003Ch2 class=\"wp-block-heading\">Team Europe-initiativ\u003C\u002Fh2>\n",{"blockName":809,"innerHTML":833},"\u003Cp>Sidas garantier ingår i ett Team Europe-initiativ för ekonomisk utveckling i Guatemala. En annan del av satsningen är en Challenge Fund för företag som erbjuder digitala lösningar till finanssektorn.\u003C\u002Fp>",{"blockName":809,"innerHTML":835},"\u003Cp>– Tillgång till finansiering är en flaskhals för jobbskapande och tillväxt, och med garantierna vill vi bidra till att lösa det problemet, säger Odilia López, handläggare vid ambassaden i Guatemala.\u003C\u002Fp>",{"blockName":791,"attrs":837},{"data":838},{"cc_block_image__image":839,"cc_block_image__description":847,"cc_block_image__photographer":807},{"url":840,"alt":841,"width":797,"height":798,"sizes":842,"subtype":803,"filesize":846,"cc_photograph":805},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153333\u002FTomat-i-hander-1.jpg","En person som håller en tomat i sina händer.",{"thumbnail":843,"medium":844,"medium_large":845,"large":840,"1536x1536":840,"2048x2048":840},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153333\u002FTomat-i-hander-1-150x150.jpg","https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153333\u002FTomat-i-hander-1-300x169.jpg","https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153333\u002FTomat-i-hander-1-768x432.jpg",214013,"Tomat odlad i Jamies växthus.",{"blockName":828,"innerHTML":849,"innerContent":850},"\u003Ch2 id=\"bbb8c36d-9780-4814-b723-493a011621f3\">Företagare som växer – och inspirerar\u003C\u002Fh2>",[851],"\n\u003Ch2 class=\"wp-block-heading\">Företagare som växer – och inspirerar\u003C\u002Fh2>\n",{"blockName":809,"innerHTML":853},"\u003Cp>Bakom siffrorna finns människor med idéer och drivkraft. Under ett fältbesök träffade Sida flera av de företagare som fått lån tack vare garantin:\u003C\u002Fp>",{"blockName":855,"innerBlocks":856,"innerHTML":864,"attrs":865},"core\u002Flist",[857,860,862],{"blockName":858,"innerHTML":859},"core\u002Flist-item","\u003Cli>Dora, som började som gatuförsäljare under pandemin och nu driver ett växande bageri – hennes mille-feuille har blivit ett lokalt signum.\u003C\u002Fli>",{"blockName":858,"innerHTML":861},"\u003Cli>Jaime, som investerat i ett växthus och kunnat förlänga säsongen för tomater, vilket stärkt hans inkomster.\u003C\u002Fli>",{"blockName":858,"innerHTML":863},"\u003Cli>Sotero, som byggt ut sin snittblomsodling, breddat sortimentet och tecknat nya avtal med grossister.\u003C\u002Fli>","ul",{"data":866},{"noStyle":5},{"blockName":809,"innerHTML":868},"\u003Cp>Alla tre hade tydliga planer för att utöka sina företag men saknade finansiering. Med garantin som stöd kunde de förverkliga sina idéer – och skapa bättre försörjningsmöjligheter för sina familjer.\u003C\u002Fp>",{"blockName":791,"attrs":870},{"data":871},{"cc_block_image__image":872,"cc_block_image__description":880,"cc_block_image__photographer":805},{"url":873,"alt":874,"width":797,"height":798,"sizes":875,"subtype":803,"filesize":879,"cc_photograph":805},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153229\u002FJaime-rosor-1.jpg","En man som håller två hinkar med blommor i sina händer.",{"thumbnail":876,"medium":877,"medium_large":878,"large":873,"1536x1536":873,"2048x2048":873},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153229\u002FJaime-rosor-1-150x150.jpg","https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153229\u002FJaime-rosor-1-300x169.jpg","https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F12153229\u002FJaime-rosor-1-768x432.jpg",227226,"Sotero har byggt ut sin snittblomsodling med hjälp av lånet.",{"blockName":828,"innerHTML":882,"innerContent":883},"\u003Ch2 id=\"9b8747eb-3f64-4442-848f-f4d19b5a51ff\">Vill du veta mer?\u003C\u002Fh2>",[884],"\n\u003Ch2 class=\"wp-block-heading\">Vill du veta mer?\u003C\u002Fh2>\n",{"blockName":809,"innerHTML":886},"\u003Cp>Garantier är ett verktyg som hjälper Sida att nå resultat inom allt från klimat och jämställdhet till jobbskapande. \u003C\u002Fp>",{"blockName":809,"innerHTML":888},"\u003Cp>Läs om Sidas arbete med garantier:\u003C\u002Fp>",{"blockName":809,"innerHTML":890},"\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.sida.se\u002Fpartner-till-sida\u002Fnaringslivet\u002Fgarantier\">sida.se\u003C\u002Fa>\u003C\u002Fp>",{"blockName":809,"innerHTML":892},"\u003Cp>Läs om insatser på:\u003C\u002Fp>",{"blockName":809,"innerHTML":894},"\u003Cp>\u003Ca href=\"https:\u002F\u002Fopenaid.se\u002Fen\">openaid.se\u003C\u002Fa>\u003C\u002Fp>",{"blockName":896,"attrs":897},"acf\u002Fresults",{"data":898},{"cc_block_results__title":899,"cc_block_results__link_text":33,"cc_block_results__link":33,"cc_block_results__columns":900},"Resultat",[901,905,909],{"cc_block_result-item__icon":902,"cc_block_result-item__title":903,"cc_block_result-item__description":904},"environmental-climate","1 000","småföretagare i regionen Totonicapán har fått tillgång till finansiering. Tack vare garantin har företagare som annars skulle nekats lån kunnat expandera sina verksamheter.\r\n",{"cc_block_result-item__icon":906,"cc_block_result-item__title":907,"cc_block_result-item__description":908},"economic-development","10 miljoner","Utlåningen motsvarande nära 10 miljoner USD har möjliggjorts genom insatsen.",{"cc_block_result-item__icon":910,"cc_block_result-item__title":911,"cc_block_result-item__description":912},"globe","COSAMI","Guatemalas största spar- och kreditkooperati, har nått nya kundsegment och stärkt sin portfölj i regionen.",{"thumbnail":914,"cc_infoboxes":920,"cc_page_contact":924,"longread":925},{"url":915,"alt":874,"width":916,"height":29,"sizes":917,"subtype":803,"filesize":919,"cc_photograph":805},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F11142821\u002FJaime-rosor-e1765549814413.jpg",272,{"thumbnail":918,"medium":915,"medium_large":915,"large":915,"1536x1536":915,"2048x2048":915},"https:\u002F\u002Fcdn.sida.se\u002Fapp\u002Fuploads\u002F2025\u002F12\u002F11142821\u002FJaime-rosor-e1765549814413-150x150.jpg",31988,[921,922,923],2778,3709,2788,4889,{"_longread_header_image":5,"_longread_header_image_photographer":33,"_longread_top_label":33},57797,"publish","Garantier stärker företagare i Guatemala","garantier-starker-foretagare-i-guatemala","2025-12-12T15:38:06","2025-12-11T15:31:34",{"contact":933,"type":787,"published":931,"updated":930},{"contact_email":934,"contact_name":935},"sida@sida.se","Sidas kommunikationsenhet",[937,940,943],{"id":921,"title":46,"content":938,"link":939},"Alla svenskar som betalar skatt bidrar till Sveriges bistånd – men för att bekämpa fattigdom krävs mer resurser än så. ","https:\u002F\u002Fwww.sida.se\u002Fsa-fungerar-bistandet\u002Ffinansiering",{"id":922,"title":139,"content":941,"link":942},"Sida arbetar för att göra biståndet mer effektivt. Här kan du läsa om hur Sida kontrollerar att pengarna hamnar rätt.","https:\u002F\u002Fwww.sida.se\u002Fsa-fungerar-bistandet\u002Fkontroll-av-bistandet",{"id":923,"title":944,"content":945,"link":946},"Resultat av svenskt bistånd","Sida mäter resultat på många olika nivåer – för att se till att biståndet verkligen gör skillnad. ","https:\u002F\u002Fwww.sida.se\u002Fsa-fungerar-bistandet\u002Fsa-har-mater-sida-resultat"]