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RM and RA
scheduled disease/condition
Jun 19 21:36
10 days ago
15 viewers *
English term

finance-only lending

English to Spanish Bus/Financial Investment / Securities Impact investment
Traditionally artisinal small gold mining (ASGM) has been financed by the informal economy, seeking financial returns. To date capital channeled into ASGM from the formal economy falls primarily into the donor and grant category with limited evidence of impact-only, responsible equity investing and finance only lending.
Proposed translations (Spanish)
4 +1 préstamos (recibidos) únicamente de instituciones financieras
3 préstamos sólo para financiamiento
3 préstamos de financiación únicamente

Discussion

Lisa Rosengard Jun 23:
To my knowledge most banks are reluctant to provide and administer loans, while they depend on credit checks, references and evidence in support of reliable income before they lend money for specific purposes such as home investment. I heard talk of a possibility of a business start up loan, some time ago. There was a possibility of business finance applications for finance while a financial company could consider a request for finance with a repayment commitment. They need applicants to produce a business plan which they can consider if the plan is convincing and viable. Here's a reference to the government website, hope this is helpful.
https://www.gov.uk/apply-start-up-loan
Wendy Gosselin (asker) Jun 21:
@Lisa Rosengard Yes, Lisa, my understanding is that the goal would be for these ASGM projects to access formal loans from a bank/financial institution which then return the money with interest (but usually they can't access such loans because of the negative perceptions of the sector)
Lisa Rosengard Jun 19:
Wendy, it's about an informal economy to begin with, then more recently it's a formal economy with donations and grants, limited evidence of impact-only, responsible investment, finance only lending. Do you mean it must be a formal loan whereby a bank or financial institution lends money to a client who must return the money with any added interest?

Proposed translations

+1
19 hrs
Selected

préstamos (recibidos) únicamente de instituciones financieras

La pequeña minería ha sido financiada principalmente por el sector informal. Hasta ahora hay poca evidencia de cambio hacia la financiación de la economía formal.

Una institución financiera es una compañía con ánimo de lucro que tiene como actividad la prestación de servicios financieros a los agentes económicos de la sociedad.

Los servicios de las instituciones financieras se han sofisticado de tal manera, que a menudo resulta complejo delimitar su actividad. Desde la depositaria y el préstamo (servicios clásicos de la banca) hasta servicios más modernos y sofisticados como el factoring o la banca de inversión.

Las entidades financieras no han dejado de reinventarse

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Note added at 19 horas (2024-06-20 17:35:33 GMT)
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https://economipedia.com/definiciones/institucion-financiera...

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Note added at 2 días 17 horas (2024-06-22 15:30:43 GMT)
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... inversión de capital responsable y préstamos (provenientes) únicamente de instituciones financieras.
Peer comment(s):
agree Luis M. Sosa : De acuerdo, o algo así como créditos (solo) de instituciones financieras
1 day 22 hrs
Así es. Gracias
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4 KudoZ points awarded for this answer. Comment: "Gracias!"
41 mins

préstamos sólo para financiamiento

En el pasado la minería pequeña de oro artensenal contaba con financiación de la economía no formal, en busca de repagas financieras. Ultimamente un fondo para la minería de oro de la economía formal suele ser de bonos de donantes y subsidios con poca evidencia de impacto solamente, la investidura de equidad responsable, préstamos para financiamiento.

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Note added at 1 hr (2024-06-19 23:26:08 GMT)
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Un préstamo financiero es una operación financiera mediante la cual el prestamista entrega una cantidad de dinero al prestatario, que se compromete a devolver lo recibido, junto con los intereses pactados entre las partes, en unos pagos o contraprestaciones que han de realizarse en los plazos de tiempo establecidos.
https://www.bbva.com/es/salud-financiera/que-es-un-prestamo-...
El préstamo debe de ser de un banco u organización financiera con su contrato.
Note from asker:
Lisa, I think the idea of "finance-only" is that it comes ONLY from financial institutions i.e. mostly banks, but not from impact investors. Plus, aren't ALL préstamos para financiamiento, a fin de cuentas?
Something went wrong...
1 day 23 hrs

préstamos de financiación únicamente

Destinados exclusivamente a financiación
Reference:

https://www.planetgold.org/sites/default/files/2020-03/Unlocking-Finance-for-ASGM_final.pdf

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