The Financial Superintendence of Colombia published a final report on the Credit Pact, an agreement between the national government and financial institutions, concluding its implementation with 94.9% of the planned loan disbursements. Between 1 September 2024 and 27 February 2026, lenders disbursed COP 241.6 trillion against a target of COP 254.7 trillion, granting 36.4 million loans at a weighted average interest rate of 15.5% effective annual. By priority sector, target fulfilment ranged from 87.5% to 125.8%, led by housing and infrastructure (125.8%) and tourism (100.8%), with agriculture at 93.5%, the popular economy at 89.2%, and manufacturing and energy transition at 87.5%. Disbursements included COP 23.6 trillion to microenterprises, COP 15.5 trillion to small firms, COP 21.2 trillion to medium-sized firms and COP 59.2 trillion to individuals, with 49.5% of total lending going to micro, small and medium-sized enterprises and individuals and 50.5% to large companies; in agriculture, 66% went to micro, small and medium-sized enterprises and individuals. The report also describes “associative credit” in agriculture combining financing with technical assistance and related support, and low-amount credit lines for the popular economy delivered through digital and territorial channels, sometimes paired with financial education and public-sector partnerships.

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