# Guatemala national financial inclusion strategy > Live situation record from CLSTR: https://clstr.news/situations/guatemala-national-financial-inclusion-strategy > Updated: 2026-08-22T04:11:53.000Z. Sources: 17. Developments: 2. Guatemala’s Commission for Financial Inclusion (COMIF) has initiated the second phase of the National Financial Inclusion Strategy (ENIF). This stage transitions from increasing bank account access—which has risen from 37% to approximately 69% of adults—to expanding credit availability for households, entrepreneurs, and micro- and medium-sized enterprises. While overall financial inclusion reaches roughly 85% when including fintech and cooperative users, only 16.7% of the population currently holds a loan. The new phase seeks to address this gap by promoting digital payments, increasing savings, and fostering responsible credit to drive economic development. In a recent development related to expanding financial access, Guatemala’s National Mortgage Credit (CHN) has partnered with the Metropolitan Housing and Urban Development Company (EMVDU) to expand housing finance options for families. ## Timeline ### 2026-08-22: Latin American regional updates: Trade, housing, and development Chilean authorities meet with U.S. trade officials to negotiate 12.5% tariffs, while Paraguay advances housing credits and SME support, and new trade chambers and environmental pacts emerge in the region. 17 sources. https://clstr.news/cluster/guatemala-and-paraguay-advance-housing-finance-initiatives ### 2026-07-23: Guatemala Launches Credit Phase of National Financial Inclusion Strategy Guatemala starts the credit phase of its National Financial Inclusion Strategy, aiming to boost loans for households and SMEs after raising account access to around 85% of adults. 2 sources. https://clstr.news/cluster/guatemala-launches-credit-phase-of-national-financial-inclusion-strategy --- Cite as: Guatemala national financial inclusion strategy. CLSTR, https://clstr.news/situations/guatemala-national-financial-inclusion-strategy