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Microcrédito com moral hazard

Author

Listed:
  • Rodrigo Peñaloza

    (Departamento de Economia (Department of Economics) Faculdade de Economia, Administração, Contabilidade e Ciência da Informação e Documentação (FACE) (Faculty of Economics, Administration, Accounting and Information Science) Universidade de Brasília)

  • Raquel Filgueiras

    (Departamento de Economia (Department of Economics) Faculdade de Economia, Administração, Contabilidade e Ciência da Informação e Documentação (FACE) (Faculty of Economics, Administration, Accounting and Information Science) Universidade de Brasília)

Abstract

O problema dos incentivos nos contratos de microcrédito foi estu- dado por Laffont & N'Guessan (2000) no contexto de seleção adversa. Construímos um modelo Principal-Agente para modelar o microcrédito no contexto de moral hazard. A novidade é que, em nosso modelo, as restrições de compatibilidade de incentivos incorporam a responsabilidade conjunta, que é a principal característica dos contratos de microcrédito. Determinamos os contratos ótimos tanto no caso de responsabilidade privada limitada como sem responsabilidade privada limitada, em cada caso calculando o excedente do Principal e estabelecendo as condições para contratos interiores e contratos de canto.

Suggested Citation

  • Rodrigo Peñaloza & Raquel Filgueiras, 2011. "Microcrédito com moral hazard," Working papers - Textos para Discussao do Departamento de Economia da Universidade de Brasilia 350, Departamento de Economia da Universidade de Brasilia.
    • Handle: RePEc:brs:wpaper:350
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    File URL: http://vsites.unb.br/face/eco/textos/didaticos/WP%20350.pdf
    File Function: First version, 2011
    Download Restriction: no
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    More about this item

    Keywords

    microcrédito; moral hazard; responsabilidade conjunta;
    All these keywords.

    JEL classification:

    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • D86 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Economics of Contract Law

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