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Impacto de las microfinanzas en la educación formal de niños en hogares de Bolivia

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Author Info
Jorge Higinio Maldonado ()
Claudio González Vega ()

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Abstract

Los programas de microfinanzas, a la vez que estrategia para reducir la pobreza, pueden tener efecto en el desempeño escolar de los hijos de sus clientes. Este trabajo utiliza datos de tres encuestas realizadas a hogares clientes de organizaciones microfinancieras en Bolivia, para examinar diferentes canales mediante los cuales éstas pueden generar impacto en la escolaridad. Se identifican cinco canales o efectos: ingreso, manejo de riesgo, demanda por trabajo infantil, género e información. Los resultados desafían los supuestos usuales acerca de los programas de microfinanzas. En particular, para algunos hogares, el acceso a crédito tiene efectos conflictivos con la permanencia de los niños en el sistema educativo, ya que, aunque incrementa la demanda por educación como resultado de los efectos ingreso, manejo de riesgo, género e información, hogares que ganan acceso a microfinanzas descubren nuevas demandas por trabajo infantil. De estos resultados paradójicos se derivan significativas consecuencias de política.

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File URL: http://economia.uniandes.edu.co/revistadys/56/Microfinanzas.pdf
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Publisher Info
Article provided by UNIVERSIDAD DE LOS ANDES-CEDE in its journal REVISTA DESARROLLO Y SOCIEDAD.

Volume (Year): (2006)
Issue (Month): ()
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Handle: RePEc:col:000090:002805

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  1. Behrman, Jere R & Knowles, James C, 1999. "Household Income and Child Schooling in Vietnam," World Bank Economic Review, Oxford University Press, vol. 13(2), pages 211-56, May.
  2. Behrman, Jere R & Pollak, Robert A & Taubman, Paul, 1986. "Do Parents Favor Boys?," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 27(1), pages 33-54, February. [Downloadable!] (restricted)
  3. Robert J. Barro & Jong-Wha Lee, 2000. "International Data on Educational Attainment Updates and Implications," NBER Working Papers 7911, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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This page was last updated on 2009-12-2.


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