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Green Credit and Loans in Ecuador: Supporting small entrepreneurs, empowering vulnerable groups, and using an automated software to assess social and environmental risks
Ecuador is one of the world’s 17 megadiverse countries, with rich fauna and flora. However, economic reliance on non-renewable resources and unsustainable agricultural practices have threatened its biodiversity. Sustainable entrepreneurship offers an alternative to align economic activities with environmental protection. Yet, low-income women, youth, and other vulnerable groups face barriers in accessing credit to start small businesses.
Amid this situation, the National Corporation of Popular and Solidarity Finance (CONAFIPS) of Ecuador, with support from the United Nations Development Programme (UNDP)’s Biodiversity Finance Initiative (BIOFIN), developed a Social and Environmental Risk Management System (SARAS) tool: a free and automated software that enables credit unions to screen loan applications against social and sustainability criteria.
As of August 2024, credit unions approved USD 804 million in green credit using SARAS, fostering a nature-positive economy, conserving biodiversity, and supporting women and the youth.
The +Mujeres +Natura (+Women +Nature) Programme: Empowering women through access to nature-positive finance and participation in decision-making for biodiversity
Women have a fundamental role in biodiversity conservation in Costa Rica and globally. However, gender-based barriers limit their access to biodiversity-related financial mechanisms, such as payments for environmental services and credit for sustainable agriculture and bio-businesses.
In 2020, the Ministry of Environment and Energy of Costa Rica (MINAE) and the Biodiversity Finance Imitative (BIOFIN) of the United Nations Development Programme (UNDP) launched the umbrella programme +Women +Nature to promote gender equality in biodiversity. Central to this initiative are three mechanisms to increase women’s access to finance, including two credit lines and one payment for environmental services scheme.
These mechanisms have strengthened women’s agency in conservation through USD 6,979,050 in credit lines and 530 payment for environmental services contracts, contributing to biodiversity conservation and inclusive economic development in Costa Rica.
World-First Jaguar-Protection Insurance in Misiones, Argentina: Protecting wildlife and supporting livestock farmers
The jaguar (yaguareté) is the largest feline in the Americas and a national symbol in Argentina, yet fewer than 250 remain nationwide, about 90 in Misiones. Habitat loss and declining prey have increased jaguar predation on livestock and pets, harming farmer’s income and driving retaliatory killings. To transform conflict into coexistence, the Government of Misiones, UNDP (BIOFIN and IRFF), the insurer Río Uruguay Seguros, and the NGO Aves Argentinas developed the world’s first jaguar-protection insurance.
Purchased by the province of Misiones and offered free of charge to residents, the insurance provides prompt compensation to producers for verified jaguar predation. Launched in April 2025, the scheme verified five claims in its pilot phase in Comandante Andresito and has since expanded to other municipalities affected by human–jaguar conflict. By protecting rural livelihoods, the insurance discourages retaliation and protects the jaguar.
THE EXCLUSIVE ARTISANAL FISHING ZONE: A COMMUNITY INITIATIVE TOWARDS THE CARE OF MARINE MEGAFAUNA AND FOOD SOVEREIGNTY.
The Exclusive Artisanal Fishing Zone (ZEPA), located in the municipalities of Juradó and Bahía Solano, in Chocó, Colombia, was created to protect fishery resources and marine biodiversity, prioritizing artisanal fishing over industrial fishing. This initiative arose in response to overfishing and the negative impact of industrial fishing, which affected the livelihoods of local communities and marine ecosystems. By promoting sustainable practices, such as the use of more selective fishing gear, the ZEPA has facilitated the recovery of species and the protection of crucial habitats for marine megafauna, contributing to essential activities such as echolocation, feeding and reproduction of these species. In addition to conserving biodiversity, it has strengthened local economies by ensuring the availability of fishery resources for artisanal fishing. The ZEPA is an example of how community management and the protection of fishing traditions can lead to ecosystem conservation and improved quality of life for communities.
Scalable Model for Sustainable Coffee Farming in Panama
In Panama’s western highlands, small coffee farmers face growing pressures from pests, plant diseases and climate change. Heavy reliance on chemical pesticides has harmed biodiversity, degraded soils and threatened pollinators. This solution shows how endophytic fungi, microorganisms that live naturally inside plants, can serve as effective biological pest control adapted to local conditions. Fungal strains were identified and transformed into low-cost formulations that were tested on coffee farms, where they significantly reduced the need for chemical inputs. The initiative brings together scientists, government institutions and local communities, with a strong focus on training and empowering women farmers. By addressing biodiversity loss, land degradation and gaps in technical capacity, the project strengthens sustainable livelihoods and climate resilience. Farmers benefit through higher yields, lower costs and healthier ecosystems, creating a scalable model for sustainable coffee production in Panama and beyond.
COLLABORATING FOR THE MARINE FAUNA IN PLAYAS DE VILLAMIL
In the midst of the Covid-19 pandemic, different local actors in the province of Guayas the canton of Playas Villamil, including citizens, volunteers, officials of the Ministry of Environment, Water and Ecological Transition, and the Fundacion Juvimar “Juntos por la vida marina” joined forces to rescue the marine fauna that was stranded in the National Recreation Area Playas de Villamil and did not receive help due to the confinement that stopped all activities. Since then, the initiative has continued and strengthened its work in favor of the conservation of marine-coastal species.
UNITED FOR THE CONSERVATION OF MARINE MEGAFAUNA IN SAN JOSE, LAMBAYEQUE
This initiative was born from the vision of David Sarmiento, IMARPE field observer and renowned 2023 Leatherback Champion, who decided to go beyond his job. David realized that, in order to achieve effective marine conservation, it was important to build bridges with artisanal fishers, based on mutual trust and respect. Using everyday tools such as local radio stations, social media, and training spaces, David forged an authentic connection with the crews of fishing boats in the cove of San Jose (Lambayeque). His approach combined scientific expertise with a deep human sensitivity. By listening, valuing, and exchanging ideas with the fishers, he enabled them to take the lead in bringing about change. Today, they are the ones who share recordings of rescues, reflections, and data on marine megafauna. Experience shows that conservation is most effective when it stems from strong human relationships and committed local leadership, generating sustainable learning and trust among stakeholders.
Unidos por la naturaleza en el camino hacia 2045
«Unidos por la naturaleza en el camino hacia 2045: una visión estratégica de 20 años para la Unión» articula el compromiso de la UICN con «un mundo justo que valora y conserva la naturaleza» y establece una dirección clara para las próximas dos décadas. Orienta los esfuerzos colectivos para salvaguardar la biodiversidad, inspirar el compromiso social e impulsar un cambio transformador hacia un futuro sostenible.
Unidos por la naturaleza en el camino hacia 2045
«Unidos por la naturaleza en el camino hacia 2045: una visión estratégica de 20 años para la Unión» articula el compromiso de la UICN con «un mundo justo que valora y conserva la naturaleza» y establece una dirección clara para las próximas dos décadas. Orienta los esfuerzos colectivos para salvaguardar la biodiversidad, inspirar el compromiso social e impulsar un cambio transformador hacia un futuro sostenible.
Unidos por la naturaleza en el camino hacia 2045
«Unidos por la naturaleza en el camino hacia 2045: una visión estratégica de 20 años para la Unión» articula el compromiso de la UICN con «un mundo justo que valora y conserva la naturaleza» y establece una dirección clara para las próximas dos décadas. Orienta los esfuerzos colectivos para salvaguardar la biodiversidad, inspirar el compromiso social e impulsar un cambio transformador hacia un futuro sostenible.
GOOD PRACTICES FOR THE HANDLING AND RELEASE OF SENSITIVE SPECIES INTERACTING WITH THE TUNA PURSE SEINE FISHERY
In 2016, three fishing companies carried out a pre-assessment to establish a Marine Stewardship Council program. In 2017, two more joined, launching the Fishery Improvement Project toward MSC certification. Member companies, including NIRSA, Jadran Group, Servigrup, Eurofish, Tri Marine, Marbelize, Manacripex, Pacifictuna, and Tunaquick, have worked with the support of the Ecuadorian government and WWF to improve fishery management and reduce environmental impact.
TUNACONS promotes sustainable fishing in the Eastern Pacific by optimizing tuna yields through scientific research. It also trains the sector and supports the reduction of ecosystem impacts.
Since October 2017, a code of good practices for handling and releasing bycatch has been implemented, aimed at captains and crew. Key actions include:
– 59 vessels recording data on bycatch reduction and incidental catches
– Collaboration in a manta ray tagging program
– Training sessions on IATTC resolutions, sensitive species handling, and external evaluations.
Guía sobre la evaluación de impacto acumulativo en la biodiversidad para desarrollos eólicos y solares e infraestructura asociada
Un objetivo clave de esta guía es replantear la EIA para ayudar a apoyar la conservación de la biodiversidad y el logro de los objetivos globales relacionados (junto con los objetivos climáticos y otros objetivos de desarrollo social). Esta guía se centra en la biodiversidad y el desarrollo eólico y solar, y está dirigida principalmente a planificadores gubernamentales y promotores de proyectos. Sin embargo, dado que está diseñada para ayudar a abordar algunos de los desafíos existentes en la EIA, su aplicabilidad es potencialmente más amplia.