Bolivia's Ministry of Finance issued a ministerial resolution creating the “Broad Guarantee and Credit Fund”, a new instrument intended to expand access to credit by channeling resources into guarantee mechanisms, particularly for borrowers facing constraints in providing collateral. Under Supreme Decree No. 5542, multiple banks and SME banks must allocate six percent of their 2025 net profits to constitute the fund. The fund is designed to support first-home access through guarantees of up to 20% of the property value, and to provide 50% credit guarantees for activities in the productive sector as well as for micro and small enterprises in commerce and services. Financing for micro and small enterprises is to be offered at interest rates set in existing regulations; for commerce and services, the annual rate is fixed at the productive-sector rate set in existing rules during the first year, with the TRE added from the second year. Administration will sit with the financial entities themselves under the supervision of the Authority for Supervision of the Financial System (ASFI).
Ministry of Finance (Bolivia) 2026-04-13
Bolivia's Ministry of Finance establishes the Broad Guarantee and Credit Fund funded by 6% of multiple and SME banks’ 2025 net profits
The Ministry of Finance of Bolivia has created the “Broad Guarantee and Credit Fund” to expand access to credit via guarantee mechanisms, funded by six percent of 2025 net profits from multiple banks and SME banks under Supreme Decree No. 5542. The fund will provide guarantees of up to 20% of first-home values and 50% of credit for productive-sector activities and micro and small enterprises, with interest rates aligned to existing regulations and administered by financial entities under supervision of the Authority for Supervision of the Financial System.