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Las tasas activas de interes en el sector microfinanciero de Mexico: Un estudio de caso

Author

Listed:
  • Pablo Cotler

    (Universidad Iberoamericana Ciudad de Mexico)

Abstract

Los prestamos que ofrecen las instituciones de microfinanzas deberian ayudar a que muchos empresarios pudieran elevar sus ingresos. Sin embargo, las altas tasas de interes que cobran merma tal impacto. Ante ello, la politica publica deberia buscar los mecanismos idoneos para reducir dichas tasas. Haciendo uso de un panel de datos encontramos que los dos principales determinantes de la tasa activa de interes son el costo de fondeo y la eficiencia con que operan dichas instituciones en el pais. Una alteracion de estos factores tiene mayor incidencia sobre la tasa de interes que cobran las instituciones mas grandes.

Suggested Citation

  • Pablo Cotler, 2013. "Las tasas activas de interes en el sector microfinanciero de Mexico: Un estudio de caso," EconoQuantum, Revista de Economia y Finanzas, Universidad de Guadalajara, Centro Universitario de Ciencias Economico Administrativas, Departamento de Metodos Cuantitativos y Maestria en Economia., vol. 10(1), pages 7-26, Enero-Jun.
    • Handle: RePEc:qua:journl:v:10:y:2013:i:1:p:7-26
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    More about this item

    Keywords

    tasas activas de interes; microfinanzas; Mexico.;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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