La realidad en primera persona: microcréditos e inclusión laboral

Capacitar y financiar: una solución innovadora para los que menos tienen. La Fundación Avanzar logró desde su fundación, que 15.000 personas accedan a la posibilidad del autoempleo con la herramienta del microcrédito.

Durante la crisis de 2001, Marta Bekerman, una docente de la facultad de Ciencias Económicas de la Universidad de Buenos Aires (UBA) junto a un grupo de alumnos decidieron ayudar a los que peor la estaban pasando. Lo ideal, pensaron, era capacitarlos y apoyarlos económicamente con microcréditos para que iniciaran emprendimientos que les permitiesen salir adelante. Ahora Argentina vive otra crisis, pero Avanzar, ya conformada como ONG, continúa su labor; desde su fundación lograron el autoempleo  al menos unas 15 mil personas.

Marta Bekerman, docente de Ciencias Económicas de la UBA

Según datos arrojados por el Indec, la canasta básica aumentó 2.5 % en julio; una familia requirió ingresos por $32.000 para no ser pobre; en la calle se siente y Avanzar de alguna manera lo confirma: en lo que va del año la fundación recibió un 30% más de pedidos de créditos respecto al mismo periodo del año pasado. “Si bien no hemos alcanzado, por lo menos hasta ahora, el mismo nivel de crisis que en la del 2001, la realidad es que siempre es más difícil para los sectores carenciados de la sociedad que además hoy están muy afectados por los aumentos de los precios”, explica la presidenta de Avanzar.  Además, agrega Bekerman sin poder precisar datos exactos, muchos de los emprendedores beneficiados por sus programas están teniendo, como muchos empresarios, problemas para colocar y cobrar sus ventas y, en consecuencia hoy tienen considerables moras en las cuotas de los créditos “Es entendible, pero requiere un seguimiento más estricto por parte del equipo de Avanzar” lamenta empáticamente”.

DE EMPANADAS Y CELULARES

Ahora la cosa está un poco más dura porque la gente dejó de consumir, pero más o menos nos las arreglamos; aunque no podemos ahorrar. Para que el dinero alcance compro comida en la feria y mi hijo mayor me da una mano en el negocio”, cuenta María Parada, una prestataria boliviana. Sin embargo, destaca que nada sería posible sin el apoyo de la Avanzar que aun sin tener ni su residencia ni documento argentino, la ayudó como “ciudadana del mundo”. Los conoció en 2001, tres meses después de haber llegado al país para tratar a su hijo mayor que tenía un problema de salud que en  Bolivia no conseguía que le resolviesen. Fue vendiendo empanadas en la calle – un trabajo que inició por su cuenta para poder pagar una pieza donde vivir mientras su hijo estaba internado en el Hospital de pediatría Garraham – que se topó con la fundación. “Me prestaron $200 que en ese entonces era un montón de plata y con eso además de empanadas empecé a hacer y vender sándwiches. Con lo que iba juntando crecía cada vez un poquito más, llegué a vender pollo a las brasas”, recuerda.

Parada que además de su hijo, que hoy tiene 16 años, tiene otra hija de 7, tiene un sueño: quiere brindarles la seguridad del techo propio. Por eso, hace ya unos años dejó la gastronomía y se puso, también con la ayuda de Avanzar, una tienda de accesorios para celulares en Lugano. Ahora, en cómodas cuotas está devolviendo otro préstamo de $20.000 que le otorgaron para ampliar el surtido de productos.  “Ojalá el Estado también aumente la ayuda a la fundación porque la realidad es que no les alcanza para todos. Con la situación del país, cada vez somos más los nos acercamos a pedir créditos”, reclama.

Maria Parada, prestataria desde 2001

Yo les dije que si me prestaban $2000 ahora, en dos meses iba a poder devolver $10.000.  Con esa frase, que dije muy seriamente, los convencí; yo me comprometí a que de esa manera iba a ser  y así fue”, cuenta Jorge Baiz, un prestatario que junto a su esposa monto un negocio de venta de café y pastelería ambulante.

Avanzar es gente que confía en gente en la que nadie confía”, dice sin titubeos Baiz que está desde hace seis meses con libertado condicional. Dentro de la cárcel, cuenta, le decían que la reinserción era muy difícil; que una vez afuera  volver a trabajar iba a ser imposible y que era mentira que el Estado le brindaría ayuda económica.  Sin embargo, salió a golpear puertas. Fue al Anses a pedir un fondo de desempleo -al fin y al cabo había sido empleado en blanco del Servicio Penitenciario-; se lo negaron.  Buscó por Internet, habló con asistentes sociales, hasta que llegó a la Dirección Nacional de Readaptación Social del Ministerio de Justicia; allí lo derivaron a la Fundación Avanzar.

                                EL MOTOR DE LA AUTOESTIMA

“Yo me considero  un emprendedor. Para mi se define no por lo que se tiene, sino por lo que se puede hacer y por lo que se puede llegar a tener. A mi señora  siempre le digo que yo no tengo dinero, pero tengo una forma de hacerlo;  tengo visión de futuro y estoy abierto a los cambios”, dice con orgullo Baiz.
Fue fletero y electricista, también elaboró y vendió comidas, trabajó como personal de seguridad y en un kiosco, compró un fondo de comercio y puso un ciber en el barrio de Congreso.  Pero en 2014 cayó preso. Según su relato, defendiendo de una pelea callejera a sus hijos adolescentes hirió  a una persona.
A Baiz, Avanzar le dio $15.0000  y otros $15.000 a su esposa, con ese dinero compraron dos hornos eléctricos, una  heladera con freezer, una docena de termos y acondicionaron su cocina. Aplicando los conocimientos de  pastelería que Baiz adquirió en la cárcel elaboran tortas y pasta frola que venden de manera ambulante con café a los comerciantes de la zona de Once. Este emprendimiento ya lo habían hecho antes de “la historia dramática” y les había ido bastante bien; llegaron a tener 4 carros deambulando con personal a cargo. Retomaron el proyecto, y cuenta Jorge, de a poco van repitiendo la experiencia.  Sin embargo, esta vez,  quiere dar un salto más  grande y están pensando en montar un espacio de coworking; ya tiene en vista un local de tres plantas y al dueño interesado en el proyecto. “La idea de un microcrédito y de Avanzar es dar un empuje, sentar una base para que después el resto resulte un poco más fácil”, concluye.

PROYECTOS DE NEGOCIO

La Fundación Avanzar, que hasta 2019 lleva prestados alrededor de $63 millones, se financia con los intereses que cobran de los créditos a los emprendedores, de subsidios otorgados por el Ministerio de Salud y Desarrollo Social de la Nación y con préstamos  del Banco Credicoop.

Para ser beneficiario de los créditos, que en promedio rondan los $10.000, los candidatos deben presentar un proyecto de negocio. Para diseñarlo cuentan con el apoyo de especialistas de la fundación de modo que, obtengan o no el crédito, siempre  salgan con una idea de negocio viable.

Según Bekerman, emprender sin un capital semilla se hace difícil, pero sin conocimientos es imposible emprender. Por eso desde la fundación, además de dinero, brindan capacitaciones sin cargo al público en general y a los prestatarios de los créditos en particular. Las hay desde oficios como electricidad, peluquería o marroquinería hasta temas de gestión de negocios como costos o estrategias de venta.

Fidelina Arteaga (56) no necesitó de los cursos, ella y su hijo están súper capacitados. Sin embargo, a la hora de empezar de cero tuvieron que dejar de lado, por lo menos por un tiempo, sus títulos y conocimientos profesionales. Ella es abogada y periodista, también activista de derechos humanos y solicitante de refugio venezolana. Hace un año y medios está en Buenos Aires con su hijo de 18 años.

CAPITAL SEMILLA

Andrés, su hijo, que habla portugués e inglés, hace repartos con Rappi; un trabajo que le permite organizar los horarios para cursar la carrera de Economía en la UCEMA, donde por sus calificaciones en Venezuela logró una beca. En cuanto llegaron Fidelina se las rebuscó vendiendo café por las calles de La Boca y San Temo, las mismas calles que en su pasado recorrió siendo turista.

Fidelina Arteaga, prestataria. Refugiada venezolana

Sin embargo, de ACNUR la contactaron con Avanzar y entusiasmada Arteaga presentó “Un Cachito de Venezuela“, un proyecto de negocio que consiste en la venta de tequeños, un bocado de una masa de harina de trigo frita rellena de queso, un producto típico venezolano.

Le dieron $8.000 de capital semilla con el que compró una freidora y un freezer usado. “Puede que para otros no sea mucho dinero, pero para nosotros que llegamos sin nada, fue muchísimo”, dice. Hoy vende los tequeños congelados en ferias o por pedido.

UNA RED DE CRECIMIENTO
En los inicios de Avanzar difundían y ofrecían el programa solamente en villas miserias de la ciudad de Buenos Aires,  pero a lo largo de los años notaron que el universo de personas en situación de vulnerabilidad era más grande y expandieron también su ayuda a refugiados derivados por el Alto Comisionado de las Naciones Unidas para los Refugiados (ACNUR), para personas en riesgo de calle, es decir, que viven en hogares transitorios o con subsidios habitacionales y para condenados en libertad condicional que necesitan trabajar.
“Esto no es un subsidio, los prestatarios tienen que devolver el dinero y para ello les brindamos herramientas para que desarrollen capacidades. Esforzarse para devolverlo genera un sentimiento de responsabilidad y mejora la calidad de vida de las personas que sienten que se les tiene confianza. Pero además es importante que devuelvan el dinero para poder ayudar a otras personas. Hay un incentivo dinámico. El que entra en el sistema accede a una red de crecimiento y  a créditos mayores a medida que va cumpliendo con su obligación; incluso les prestamos para mejora de viviendas.”, destaca Bekerman.

En su país, cuenta, Arteaga fue una empresaria bastante exitosa por lo que pensar en grande está en sus genes; sabe que logrará hacer de su emprendimiento una empresa rentable que, además, emplee a compatriotas que estén en su misma situación; mujeres solas y adultos desplazados del mercado laboral. “Hoy estamos transitando solo los primeros pasos, pero ahora, pasado el duelo migratorio, el plan es montar una línea de productos congelados y otra de productos saludables y libres de gluten para colocar en  los supermercados. Para ello, estoy buscando apoyo financiero de capitales ángeles que quieran invertir en este emprendimiento que es un poco más ambicioso”, adelanta. Sin embargo reconoce que su sueño empresarial no sería posible sin esa primera ayuda de la Fundación Avanzar con la que cubrió sus necesidades más urgentes de techo y comida.

Lo que hacemos es innovación social. Sentimos la magia de tener una idea y llevarla a cabo. Tratamos de dar soluciones, un granito de arena”, concluye Bekerman.

Laura Andahazi Kasnya

Prensa Económica

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La realidad en primera persona: microcréditos e inclusión laboral

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