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¿Qué determina la eficiencia de las entidades microfinancieras en Colombia? Una mirada a las ONG asociadas a Bancoldex

Author

Listed:
  • Francisco Perdomo N.

Abstract

Este trabajo busca demostrar empíricamente si para Colombia se cumple la misma lógica presente en la evidencia internacional sobresi las Entidades de Microfinanzas (EMF) son costo-efectivas y si sus costos son decrecientes a través del tiempo, independientementea que sean o no auto-sostenibles y a que dependan mucho de donaciones. Se realiza una estimación por el algoritmo de la MaximizaciónEsperada (ME) de un modelo mixto de dos regresiones con los datos de 27 ONGs asociadas a Bancoldex. Se demuestra que unsubconjunto de éstas es costo-efectivo en el tiempo y que esta dinámica depende del carácter de la entidad microfinanciera. La principalrecomendación de política pública es que en los proyectos de bancarización en países en desarrollo como Colombia se deben tener encuenta las estructuras de costos de los diferentes tipos de EMF dedicadas a atender este segmento del mercado.

Suggested Citation

  • Francisco Perdomo N., 2011. "¿Qué determina la eficiencia de las entidades microfinancieras en Colombia? Una mirada a las ONG asociadas a Bancoldex," Coyuntura Económica, Fedesarrollo, December.
    • Handle: RePEc:col:000438:009865
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    More about this item

    Keywords

    Entidades de Microfinanzas (EMF); Microfinanzas; Bancarización; Colombia; Países en desarrollo. Microfinance Entities (MFE); microfinance; bank credit; Colombia; developing countries;
    All these keywords.

    JEL classification:

    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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