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El proyecto que se presenta en esta publicación tiene como objetivo la mejora de la nutrición de población en riesgo del Departamento del Cauca y del Valle del Cauca, en Colombia, a través del consumo de Frucap, un producto altamente nutritivo y funcional que se canaliza a la población vulnerable a través de compras públicas y otras entidades del sector alimentario. Sin embargo, el gran éxito y aprendizaje del proyecto no se basa sólo en la accesibilidad del producto Frucap para poblaciones con deficiencias nutricionales, sino en el modelo de negocio inclusivo que hay detrás de su producción y desarrollo.

The study (i) reviews the definitions and concepts of social enterprises, (ii) outlines the landscape across 10 selected countries in Asia and Latin America, (iii) discusses challenges to scaling as faced by social enterprises, and (iv) presents suggestions for development banks to extend support to social enterprises through public and private sector investments. The study categorizes social enterprises and argues that the comparative advantage of development banks is to support selected social enterprises that are commercially bankable and have the base of the pyramid (BOP) at the core of their business operations. Development banks can support these enterprises—considered as the inclusive businesses of the future—through investing in impact funds and/or public sector loans.

Some banks have started to develop partnerships with commercial outlets, such as shops or pharmacies, who provide a set of financial services on behalf of the bank. This model has been particularly successful in Brazil, where the number of bank branches remained stable from 2002 to 2011, but the number of banking correspondents experienced a 19 per cent annual growth rate. Find out about Bradesco’s experience using its extensive network of almost 47,000 banking correspondents to sell personal accident and funeral insurance.