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O Microcrédito em Portugal

Contents:

Editor Info

  • Pedro Cosme Costa Vieira
    () (Faculdade de Economia do Porto)

Author Info

  • Joana Silva Afonso

    ()
    (Associação Nacional de Direito ao Crédito)

Abstract

Micro-credit and micro-finance emerged in the 1970’s in some Asian and Latin American countries as an instrument for fighting poverty and social exclusion. Using 2006-9 portuguese micro-level data, we estimate the failure rate of Portuguese micro-credit projects as 18,4%/year. This failure rate is incompatible with a no-subsidised system that would require a 25.5%/year interest rate. Using territorial variable on a Cox proportional hazard model, we estimate that the failure rate of those micro-credit projects located in the worst case NUTS II Portuguese regions (Alentejo e Centro, 26.1%/year) is significantly higher than that of those projects located in the best case region (Norte, 14.7%/year).

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File URL: http://www.fep.up.pt/repec/por/temoli/files/afonso_microcredito.pdf
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Bibliographic Info

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This book is provided by Open Access International Journals in its series Teses, Monografias e Livros with number 003 and published in 2011.

Edition: 1
ISBN: 978-989-97212-0-3
Handle: RePEc:por:temoli:003

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Related research

Keywords: Microcrédito; Microfinanças; Modelos de sobrevivência;

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