{"id":24162,"date":"2019-03-07T11:26:05","date_gmt":"2019-03-07T10:26:05","guid":{"rendered":"http:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/"},"modified":"2019-04-05T13:50:32","modified_gmt":"2019-04-05T11:50:32","slug":"emprender-necesidad-la-realidad-las-jovenes-latinoamericanas","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/","title":{"rendered":"Becoming an entrepreneur out of necessity: a reality for the Latin-American female youth"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">On a global level, youth and women face more barriers to access the labor market. This situation becomes even worse when both conditions are met: in Latin America, <\/span><b>the proportion of young females who become entrepreneurs due to lack of employment opportunities, is double to that of young males, according to the Iberoamerican Youth Organization (OIJ).<\/b><\/p>\n<p><span style=\"font-weight: 400;\">OECD warns that women\u2019s enterprising ventures in the region responds to the excessive amount of time that they devote to household chores and family care, along with a lower educational level and the lack of capital and self-reliance. These obstacles complicate their job search and is one of the factors that determine the youth\u2019s employment insecurity:<\/span><b> 60% of working women between 15 and 24 years earn less than the minimum national wage, <\/b><span style=\"font-weight: 400;\">approximately USD 280 per day on average, according to the Economic Commission for Latin American and the Caribbean.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because of this, BBVA Microfinance Foundation (BBVAMF) supports youth entrepreneurship which <\/span><b>represents around 20% of the 1,2 million female entrepreneurs<\/b><span style=\"font-weight: 400;\"> it serves in Colombia, Peru, Dominican Republic, Chile and Panama.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span class=\"gmail_default\">\u200b<\/span><\/strong><\/span><b>They are more vulnerable than men:<\/b><span style=\"font-weight: 400;\"> in 2018, 9 out of 10 young women who accessed a loan for the first time with BBVAMF, were socially and economically vulnerable (ie, either their incomes are below the national poverty line, or they are highly probable to fall into poverty), versus almost 80% of young men, <\/span>according to the Foundation\u2019s Impact Assessment team.<\/p>\n<p><span style=\"font-weight: 400;\">\u201cEntrepreneurship is an antidote against workplace discrimination and other barriers to access formal employment, such as being a young mother\u201d, assures Laura Fern\u00e1ndez Lord, head of Women Empowerment for the Foundation. UN Women shares that<\/span><b> 59% of the most vulnerable women in Latin America are mothers at 19 years of age.<\/b><span style=\"font-weight: 400;\"> \u201cRunning a business becomes one way to achieve a work-life balance and for many of them, the only source of income\u201d, states the Foundation\u2019s empowerment spokesperson.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aside from facilitating access to microcredits, BBVAMF trains female entrepreneurs how to save so they could provide for contingencies, especially as they thrive in <strong>a region which presents the lowest savings rate in the world,<\/strong> according to the Inter-American Development Bank (IADB). World Bank also notes that only 13% of the adult population in the region place their savings in a financial institution, compared to 27% on a global level. This figure lowers to a 10% when we refer to women savers (24% globally) and to 11% in the case of the youth (18% globally). Latin American Development Bank (CAF) also says that savings is <strong>one of the most effective tools for financial inclusion and women\u2019s empowerment. <\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On a global level, youth and women face more barriers to access the labor market. This situation becomes even worse when both conditions are met:&#8230;  <a class=\"excerpt-read-more\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/\" title=\"Read Becoming an entrepreneur out of necessity: a reality for the Latin-American female youth\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":13,"featured_media":24156,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1841,1923],"tags":[250,1386,402,1073,187,1704,796,1237,1916,2638,387,1051,868,1053,2181],"class_list":["post-24162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest","category-mujeres-en","tag-ahorro","tag-ahorro-en-2","tag-dia-internacional-de-la-mujer","tag-dia-internacional-de-la-mujer-en","tag-emprendimiento","tag-emprendimiento-en","tag-entrepreneurship","tag-international-womens-day","tag-jovenes","tag-jovenes-en","tag-mujeres-2","tag-mujeres-2-en","tag-ahorro-en","tag-women-2","tag-youth"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Becoming an entrepreneur out of necessity: a reality for the Latin-American female youth - Fundaci\u00f3n Microfinanzas BBVA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Becoming an entrepreneur out of necessity: a reality for the Latin-American female youth - Fundaci\u00f3n Microfinanzas BBVA\" \/>\n<meta property=\"og:description\" content=\"On a global level, youth and women face more barriers to access the labor market. This situation becomes even worse when both conditions are met:... Read more &raquo;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/\" \/>\n<meta property=\"og:site_name\" content=\"Fundaci\u00f3n Microfinanzas BBVA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-07T10:26:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-05T11:50:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/wp-content\/uploads\/2019\/03\/Joven-emprendedora-de-Am\u00e9rica-Latina-FMBBVA.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"5760\" \/>\n\t<meta property=\"og:image:height\" content=\"3840\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Karessa Ramos\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:site\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Karessa Ramos\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/\"},\"author\":{\"name\":\"Karessa Ramos\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/#\/schema\/person\/dcc08d9d413af1c947cd093804347ac6\"},\"headline\":\"Becoming an entrepreneur out of necessity: a reality for the Latin-American female youth\",\"datePublished\":\"2019-03-07T10:26:05+00:00\",\"dateModified\":\"2019-04-05T11:50:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/\"},\"wordCount\":432,\"publisher\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/wp-content\/uploads\/2019\/03\/Joven-emprendedora-de-Am\u00e9rica-Latina-FMBBVA.jpg\",\"keywords\":[\"ahorro\",\"ahorro\",\"D\u00eda Internacional de la Mujer\",\"D\u00eda Internacional de la Mujer\",\"Emprendimiento\",\"Emprendimiento\",\"Entrepreneurship\",\"International Women's Day\",\"j\u00f3venes\",\"j\u00f3venes\",\"mujeres\",\"mujeres\",\"savings\",\"women\",\"youth\"],\"articleSection\":[\"Latest\",\"Mujeres\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/emprender-necesidad-la-realidad-las-jovenes-latinoamericanas\/\",\"name\":\"Becoming an entrepreneur out of necessity: a reality for the Latin-American female youth - 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