{"id":201204,"date":"2026-01-20T18:11:01","date_gmt":"2026-01-20T23:11:01","guid":{"rendered":"https:\/\/libelula.com.pe\/?p=201204"},"modified":"2026-01-23T17:16:26","modified_gmt":"2026-01-23T22:16:26","slug":"caso-de-estudio-construyendo-un-ecosistema-financiero-verde-en-el-peru","status":"publish","type":"post","link":"https:\/\/libelula.com.pe\/en\/caso-de-estudio-construyendo-un-ecosistema-financiero-verde-en-el-peru\/","title":{"rendered":"Case study: Building a green financial ecosystem in Peru"},"content":{"rendered":"
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Case study: Building a green financial ecosystem in Peru.<\/strong> Peru's transition to a new global economy low carbon economy<\/strong> depends to a large extent on the ability of the financial system to mobilizing private capital on a large scale<\/strong>. In order to meet its national climate goals (NDCs) to 2030<\/strong>, the country needs to mobilize more than $50 billion<\/strong>, which is evidence that the green financial market in Peru<\/strong> is still at an incipient stage.<\/p>\n\n\n\n

As of 2023, only a small number of financial institutions were offering products with specific environmental criteria<\/strong>, which limits the speed and scale of the climate action from the financial sector<\/strong>. This case study<\/strong>, prepared by LACADI - Latin American Climate Assets Disclosure Initiative<\/strong>, analyzes the process of incorporating green financial instruments<\/strong> in the Peruvian financial system, with an emphasis on the green credits<\/strong>, from the review of regulatory frameworks<\/strong> and interviews with key players<\/strong> such as banks, microfinance institutions and articulating institutions.<\/p>\n\n\n\n

The analysis shows a clear differentiation between the approaches of climate change mitigation and adaptation<\/strong>. The multiple banking<\/strong> concentrates its strategy on sophisticated financial instruments<\/strong>, as the sustainable bonds<\/strong>, and in large volumes of financing. In the retail segment, there is a predominance of mitigation products with rate incentives<\/strong>, as the green mortgage loans<\/strong>.<\/p>\n\n\n\n

For their part, the cajas and microfinance companies<\/strong> leading the way in the development of products oriented to the adaptation<\/strong>, especially for the agricultural and microenterprise sector<\/strong>, with solutions such as solar technologies<\/strong> o rural biodigesters<\/strong>. The scaling of these products depends on the blended finance<\/strong> and of strategic alliances<\/strong> with international cooperation agencies and technology providers.<\/p>\n\n\n\n

The study identifies structural, operational and governance barriers<\/strong> that affect the actors in the system in a differentiated manner. These include the absence of a national green taxonomy<\/strong>, which generates regulatory uncertainty, the institutional inertia and lack of leadership from top management<\/strong>, the end customer resistance<\/strong> of the economic benefits of green products and the benefits of green products. high operational and logistical costs<\/strong>, especially relevant for the microfinance segment.<\/p>\n\n\n\n

Despite these barriers, the following have been identified key success factors<\/strong> that allow progress to be made in the development of the green financing<\/strong>. These include the alignment of economic incentives<\/strong> for commercial teams, the operational expertise<\/strong> through roles dedicated to the prospecting and structuring of bankable green projects<\/strong>, and the construction of strategic alliances<\/strong> that facilitate access to preferred stock<\/strong> y technical assistance<\/strong>.<\/p>\n\n\n\n

The study concludes that the scaling up of the green financial ecosystem in Peru<\/strong> requires a coordinated action from the highest level<\/strong>. This implies the implementation of a green taxonomy<\/strong> by the public entities, a greater public-private articulation<\/strong> to reduce costs and risks, the active leadership of boards of directors and general management<\/strong> in banks and microfinance institutions, the simplification of the offer of green financial products<\/strong> and the diversification of funding sources<\/strong> through innovative instruments.<\/p>\n\n\n\n

Overall, the green financial ecosystem in Peru<\/strong> has a solid strategic foundation<\/strong>, but still faces a slow pace of capital mobilization<\/strong>. The regulation<\/strong>, the institutional leadership<\/strong>, the demonstration of profitability<\/strong> and the public-private partnership<\/strong> will play a key role in accelerating the transition to a more efficient resilient and low-carbon economy<\/strong>.<\/p>\n\n\n\n

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tDownload the summary here<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"Caso de estudio: Construyendo un ecosistema financiero verde en el Per\u00fa. La transici\u00f3n del Per\u00fa hacia una econom\u00eda baja en… Read more<\/a>","protected":false},"author":1,"featured_media":201366,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-201204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-climaticas"],"acf":[],"_links":{"self":[{"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/posts\/201204","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/comments?post=201204"}],"version-history":[{"count":5,"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/posts\/201204\/revisions"}],"predecessor-version":[{"id":201372,"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/posts\/201204\/revisions\/201372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/media\/201366"}],"wp:attachment":[{"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/media?parent=201204"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/categories?post=201204"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/libelula.com.pe\/en\/wp-json\/wp\/v2\/tags?post=201204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}