Las vacas y la infraestructura para su bienestar

By Fermín Vivanco

Las vacas lecheras tienen que ser felices para estar sanas, y tienen que estar sanas para producir buena leche. Esta es más o menos la filosofía que comparten muchos productores y asesores técnicos que trabajan con Conaprole , la gran cooperativa lechera de Uruguay que agrupa unos 1.800 productores.  Pero el camino hacia la felicidad vacuna es largo y embarrado, especialmente los días de lluvia.

Tigo Money – A lesson in mobile financial services, one partnership at the time

By Fermín Vivanco

When the Luxemburg-based telecommunications provider Millicom started its service Tigo Cash in Paraguay nine years ago, few expected this to be the starting point of Latin America’s most successful mobile money story.

Bucking the global trend: Remittances to Latin America and the Caribbean reach yet another record high in 2016

By Fermín Vivanco

When it comes to remittances, the countries of Latin America and the Caribbean (LAC) have become an unlikely global exception. In April, the World Bank reported that the money sent by migrants to their developing home countries fell for the second year in a row in 2016, to US$429 billion, a 2.4% decrease over the previous year. The decline is remarkable because such a sustained drop in global remittance flows had not been seen for about three decades.

Add this ingredient to your social business: a low profit margin

By Fermín Vivanco

When you are tasting a dish for the first time, it’s a plus to discover new and varied ingredients that go well together. This diversity is found in the rich food of Oaxaca, in the south of Mexico, including “hoja santa” (a local green leaf), “pasilla chili,” chocolate, and chapulines (small grasshoppers). However, it is not easy to find one single ingredient that defines this cuisine.

Latin American Migrants in Spain: Fintech innovations are not enough

By Fermín Vivanco

When we think of innovations in financial services in 2016, we mostly think of fintech. Many new innovations in financial services come in the form of new apps for our smartphones, which make it easier to carry out financial activities such as splitting the cost of a gift or sending money to a friend.

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