Informal business sector moves billions
The sheer size of the informal business sector has made it an important segment of the national economy. Numbers offered by sources close to the micro-business sector reveal that these small to medium businesses contribute as much as 23% of GDP and employ between 25% and 28% of the workforce. There are dozens of NGOs and cooperatives providing the financial credits needed by these entities that are not serviced by the mainstream banks because of the stigma that "the poor do not pay." According to Listin Diario, sources from Fondo Micro (Micro Fund), from the Dominican Association for Women's Development (ADOFEM) and PYME BHD, the 13 principal agencies providing credit to the sector contributed RD$3.144 billion in loans and credits in 2004. The recovery rate was 97%. Over time, some of the institutions that were providing financial assistance to the micro, small and medium business community have become regular banks in order to capture more funds for their loan portfolios. ADEMI-the Association for Micro Business Development - is the largest of these institutions, along with ADOFEM and the Association for the Development of Espaillat Province (ADEPE).
La hipótesis del GMH es que existen modelos de negocios de comercialización de electricidad que pueden llevar el "recovery rate" a 97%, pero para lograrlo es necesario un cambio de paradigma en la industria eléctrica. Tampoco es cierta la no rentabilidad de esos sectores que se corresponden con la Base de la Pirámide. El desarrollo de know-how para ese gran mercado sería invaluable para el futuro de la Hispaniola.
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