I think its a Spanish term rather than English.

برنامج يومي في الميراث

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Note added at 48 mins (2013-12-01 14:37:17 GMT)
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http://www.iadb.org/en/news/news-releases/2011-06-28/cemex-h...

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Note added at 49 mins (2013-12-01 14:38:13 GMT)
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هو برنامج في التمويل الأصغر

The current Stanford Social Innovation Review (Summer 2005 issue) explores a BOP case in an article entitled "Block by Block" [PDF] that has been in practice for several years: Cemex's Patrimonio Hoy program. Cemex is a Mexican cement manufacturer with a $15 billion market cap. It's celebrated Patrimonio Hoy (Property Today) initiative seeks to make customers of primarily rural low-income Mexicans who can not afford to build a house all at once, but rather do construction piecemeal -- often over a period of years. From Social Innovation Review:

Here’s How Patrimonio Hoy Works:
Would-be homebuilders pay about $14 a week, for 70 weeks. What the roughly $1,000 buys is consultations and inspections by Cemex staff architects, and scheduled deliveries of materials divided into building phases that cover the 70 weeks. All building materials, purchased with the Cemex advisers and using the company’s considerable buying power, are kept at stable prices through the life of the construction project, shielding Cemex’s “partners” from sudden price hikes and supply shortages common on the open market. And, if partners run into shallow employment periods, they can bank their materials for a while. Partners found they were building homes faster, and generally cheaper, than they could on their own.

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Note added at 1 hr (2013-12-01 15:11:11 GMT)
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باتريمونيو هوي يمكن ترجمتها الى "تملك اليوم