{"id":23055,"date":"2025-09-17T16:14:35","date_gmt":"2025-09-17T14:14:35","guid":{"rendered":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/?p=23055"},"modified":"2025-09-25T09:08:17","modified_gmt":"2025-09-25T07:08:17","slug":"msmes-at-the-forefront-of-productive-digital-and-green-transformation-in-latin-america-paola-arias-director-of-banca-de-las-oportunidades","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/msmes-at-the-forefront-of-productive-digital-and-green-transformation-in-latin-america-paola-arias-director-of-banca-de-las-oportunidades\/","title":{"rendered":"“MSMEs at the forefront of productive, digital and green transformation in Latin America”, Paola Arias, Director of Banca de las Oportunidades"},"content":{"rendered":"
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In Latin America, micro, small, and medium-sized enterprises (MSMEs) do not have a marginal role; they are the core of productive activity: they represent 99.5% of the business landscape and 60% of formal employment (UNDP, 2024). Additionally, more than a third of the region’s workers are self-employed (ILO, 2023).\u00a0<\/span><\/p>\n

However, a paradox persists: although they are essential for social and economic inclusion, MSMEs face gaps that restrict their capacity to grow, generate quality jobs and drive innovation. This leads to lower incomes, less resilience, and limited competitiveness compared to more advanced economies.\u00a0<\/span><\/p>\n

Placing MSMEs at the heart of an inclusive, digital, and green productive transformation is an imperative for accelerating sustainable development.<\/strong> This requires action on four strategic fronts:\u00a0<\/span><\/p>\n