Profundidad de alcance en un contexto de comercialización de las microfinanzas en el Perú
AbstractThis paper seeks to answer the question of what factors are conducive to depth of outreach or the attention of customers with lower incomes, by comercial microfinance institutions (MFIs) in Perú, in order to propose measures aimed to a greater financial inclusion to the microenterprise sector. Using a panel database containing information of the MFIs regulated by the Superintendencia de Banca, Seguros y AFP, and a regression on panel corrected standard errors, the study finds that depth of outreach would benefit from lower administrative costs per borrower, the specialization of MFI loans to microentrepreneurs and higher interest rates, the first two variables being those proposed by the present investigation. Also the trade-off between the depth and profitability of MFIs, discussed widely in the literature on the subject would also be present in commercial MFIs. Additionally, institutions like Edpymes would have the greatest potential for further deepening.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Bibliographic InfoArticle provided by Departamento de Economía - Pontificia Universidad Católica del Perú in its journal Revista Economia.
Volume (Year): 34 (2011)
Issue (Month): 68 ()
Contact details of provider:
Postal: Av. Universitaria 1801, San Miguel, Lima, Perú
Phone: (511) 626-2000 ext. 4950, 4951
Fax: (511) 626-2874
Web page: http://www.pucp.edu.pe/departamento/economia/
More information through EDIRC
microfinance institutions; regulation; Peru;
Find related papers by JEL classification:
- C33 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Models with Panel Data; Spatio-temporal Models
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- L21 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Business Objectives of the Firm
- L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
You can help add them by filling out this form.
reading list or among the top items on IDEAS.Access and download statisticsgeneral information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Stephan Gruber).
If references are entirely missing, you can add them using this form.