Chihuahua, Chih.- Contar con proyectos para aprovechar mejor el agua, tecnificar el campo o elevar la productividad agropecuaria resulta insuficiente si los productores no tienen acceso a recursos para llevarlos a cabo, por lo que el financiamiento se ha convertido en una de las piezas centrales para enfrentar los retos del sector rural de Chihuahua.
El tema fue abordado durante el Panel Magistral “Financiamiento para Proyectos Hídricos y Agropecuarios”, realizado en el marco de Expo Agro Internacional Chihuahua 2026, con la participación de Mauro Parada Muñoz, secretario de Desarrollo Rural; Alfonso Fiscal, director regional Norte de FIRA, y Mario Mata Carrasco, director ejecutivo de la Junta Central de Agua y Saneamiento (JCAS).
El encuentro fue moderado por Rafael Zárate Torres, vicepresidente de Financiamiento del Consejo Estatal Agropecuario de Chihuahua (CEACH), y puso sobre la mesa un reto particularmente relevante: lograr que el crédito llegue también a productores de menor escala y permita financiar inversiones de largo plazo.
Alfonso Fiscal explicó que uno de los objetivos es respaldar proyectos que incrementen la productividad y rentabilidad, pero que al mismo tiempo incorporen criterios de sostenibilidad y uso eficiente de los recursos.
Para ello, FIRA cuenta con mecanismos de garantía que permiten compartir el riesgo de los proyectos con las instituciones financieras, facilitando que productores y empresarios agropecuarios puedan acceder al crédito aun cuando no dispongan de las garantías que tradicionalmente exige la banca.
Fiscal lo explicó de manera coloquial al señalar que “FIRA se convierte en el compadre del productor”, debido a que respalda el proyecto frente al intermediario financiero y comparte parte del riesgo en caso de que la inversión enfrente dificultades.
También destacó los esquemas destinados a proyectos sostenibles, desarrollados en coordinación con la Agencia Francesa de Desarrollo, que contemplan inversiones relacionadas con uso eficiente del agua, mejoramiento de suelos, manejo ganadero, eficiencia energética y tecnologías como paneles solares.
Estos mecanismos pueden incluir incentivos sobre la tasa de interés y garantías que reduzcan el riesgo para las instituciones financieras, haciendo más atractiva la colocación de recursos en proyectos agropecuarios sostenibles.
Desde la perspectiva de la infraestructura hídrica, Mario Mata destacó que el financiamiento ha permitido concretar obras que difícilmente podrían realizarse únicamente con recursos presupuestales ordinarios.
Mata subrayó que la disponibilidad de agua debe entenderse también como una condición para el desarrollo económico de Chihuahua, debido a que de ella dependen las ciudades, el campo y la industria.
El planteamiento del panel apuntó así hacia una visión en la que crédito, garantías y recursos públicos puedan funcionar como palanca para multiplicar inversiones, especialmente en proyectos destinados a conservar y aprovechar mejor el agua.
Para Chihuahua, donde la disponibilidad hídrica condiciona buena parte del futuro del sector agropecuario, facilitar el acceso al financiamiento representa la posibilidad de que proyectos de tecnificación, tratamiento, reúso, eficiencia energética y modernización productiva dejen de permanecer en el papel y puedan convertirse en inversiones concretas.
La discusión dentro de Expo Agro Internacional Chihuahua 2026 destacó además que el desafío no consiste solamente en disponer de recursos, sino en construir proyectos financieramente viables que permitan al productor invertir, producir con mayor eficiencia y generar ingresos suficientes para recuperar la inversión.
En ese sentido, el financiamiento aparece como un puente entre las necesidades que enfrenta actualmente el campo chihuahuense y las soluciones de largo plazo que requiere para producir más valor utilizando de manera más eficiente un recurso cada vez más estratégico: el agua.
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