Micro-credits: strategies, instantiations and perspectives

The aim of this paper is to analyse micro credits as one of the important components which facilitate the process of accessing to social housing. Such process is articulated by financing and the proper technical support and it is also supported by the protagonists of the social processes which produ...

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Main Authors:	Bosio, Cristina, García, Damián
Format:	Online
Language:	spa
Published:	Revista INVI 2007
Online Access:	https://revistainvi.uchile.cl/index.php/INVI/article/view/62120
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spelling	oai:ojs.revistas.uchile.cl:article-621202020-03-04T15:10:14Z Micro-credits: strategies, instantiations and perspectives Micro-créditos: estrategias, realizaciones, perspectivas Bosio, Cristina García, Damián The aim of this paper is to analyse micro credits as one of the important components which facilitate the process of accessing to social housing. Such process is articulated by financing and the proper technical support and it is also supported by the protagonists of the social processes which produce housing. These people do a quiet and permanent work and thus they manifest their decision to execute their right to housing and the city. The idea is to demonstrate the functioning of this tool through a concrete experience, a Micro-Credit Program built as a Revolving and self Sustained Fund. The program was design and implemented by AVE-CVE professionals in Cordova Argentina (Association for Economic Housing- Experimental centre for Economic Housing).More than 800 families have taken part in the program. Thus the system of self built houses has been supported for more than 10 years, this existing, effective and massive system is used to develop most housing in the third world. The program provides not only financial but also technical support for NBI families and progressive housing. The aim is to reinforce their essential characteristics and help the sectors that do not have access to this financial tool which helps them to accelerate the construction process. El objetivo de este trabajo es poner en análisis la herramienta del Micro-Crédito, como uno de los componentes importantes para facilitar los procesos populares de obtención de vivienda, articulado entre el financiamiento y el asesoramiento técnico adecuado, y apoyando a los protagonistas de los procesos sociales de producción de vivienda, quienes con su trabajo silencioso pero continuo, manifiestan su decisión de efectivizar el ejercicio del derecho a la Vivienda y a la Ciudad. Lo que se pretende es demostrar el funcionamiento de esta herramienta a través de una experiencia concreta de un Programa de Micro-Créditos, constituido como Fondo Revolvente y Auto-sostenible, diseñado e implementado por profesionales de AVE-CEVE (Asociación de la Vivienda Económica-Centro Experimental de la Vivienda Económica), de Córdoba, Argentina. Más de 800 familias han participado de este Programa. De esta manera, se apoya desde hace más de 10 años al sistema de vivienda auto-construida, sistema existente, efectivo y masivo con el que se desarrolla la mayor parte de las viviendas de todas las ciudades del tercer mundo. El programa no sólo aporta recursos financieros sino también asesoramientos técnicos a familias con N.B.I. para soluciones habitacionales progresivas, sin violentar sino fortaleciendo sus rasgos esenciales, atendiendo a los sectores que por esfuerzo propio y en forma aislada se encuentran desprovistos de herramientas financieras para acelerar el proceso de construcción. Revista INVI 2007-11-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf text/html https://revistainvi.uchile.cl/index.php/INVI/article/view/62120 Revista INVI; Vol. 22 Núm. 61 (2007): Financiamiento Solidario Habitacional 0718-8358 0718-1299 spa https://revistainvi.uchile.cl/index.php/INVI/article/view/62120/65761 https://revistainvi.uchile.cl/index.php/INVI/article/view/62120/66321
institution	Universidad de Chile
collection	OJS
language	spa
format	Online
author	Bosio, Cristina García, Damián
spellingShingle	Bosio, Cristina García, Damián Micro-credits: strategies, instantiations and perspectives
author_facet	Bosio, Cristina García, Damián
author_sort	Bosio, Cristina
title	Micro-credits: strategies, instantiations and perspectives
title_short	Micro-credits: strategies, instantiations and perspectives
title_full	Micro-credits: strategies, instantiations and perspectives
title_fullStr	Micro-credits: strategies, instantiations and perspectives
title_full_unstemmed	Micro-credits: strategies, instantiations and perspectives
title_sort	micro-credits: strategies, instantiations and perspectives
description	The aim of this paper is to analyse micro credits as one of the important components which facilitate the process of accessing to social housing. Such process is articulated by financing and the proper technical support and it is also supported by the protagonists of the social processes which produce housing. These people do a quiet and permanent work and thus they manifest their decision to execute their right to housing and the city. The idea is to demonstrate the functioning of this tool through a concrete experience, a Micro-Credit Program built as a Revolving and self Sustained Fund. The program was design and implemented by AVE-CVE professionals in Cordova Argentina (Association for Economic Housing- Experimental centre for Economic Housing).More than 800 families have taken part in the program. Thus the system of self built houses has been supported for more than 10 years, this existing, effective and massive system is used to develop most housing in the third world. The program provides not only financial but also technical support for NBI families and progressive housing. The aim is to reinforce their essential characteristics and help the sectors that do not have access to this financial tool which helps them to accelerate the construction process.
publisher	Revista INVI
publishDate	2007
url	https://revistainvi.uchile.cl/index.php/INVI/article/view/62120
work_keys_str_mv	AT bosiocristina microcreditsstrategiesinstantiationsandperspectives AT garciadamian microcreditsstrategiesinstantiationsandperspectives AT bosiocristina microcreditosestrategiasrealizacionesperspectivas AT garciadamian microcreditosestrategiasrealizacionesperspectivas
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Micro-credits: strategies, instantiations and perspectives

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