Advanced Search
MyIDEAS: Login to save this paper or follow this series

Estrategias de suavización del consumo y del ingreso de las madres beneficiarias del programa Familias en Acción: un análisis cualitativo

Contents:

Author Info

  • Jorge H. Maldonado

    ()

  • Rocío del Pilar Moreno-Sánchez
  • romoreno@uniandes.edu.co

Abstract

Los programas de transferencias condicionadas en Latinoamérica han venido desarrollando diferentes mecanismos para distribuir más eficientemente los subsidios entre las familias beneficiarias. En Colombia, desde el año 2009, se inició un Plan de Bancarización cuyo propósito, además de mejorar la eficiencia en la entrega del subsidio y reducir los inconvenientes presentados bajo otros mecanismos de pago, es favorecer el acceso a servicios financieros, particularmente depósitos, de las madres beneficiarias del programa Familias en Acción (FA). En el marco de una evaluación preliminar del Plan de Bancarización del programa, llevada a cabo entre 2009 y 2010, este documento identifica y analiza las estrategias formales e informales que tienen los hogares beneficiarios del programa de transferencias condicionadas colombiano, para suavizar sus sendas de consumo y de ingreso; el objetivo último de este análisis es entender el papel que el acceso a servicios financieros formales podría jugar en estos hogares para enfrentar las variaciones en los ingresos generadas por shocks y estacionalidades. Como parte del análisis cualitativo, se aplicaron 73 encuestas semi- estructuradas a madres receptoras de transferencias condicionadas del programa FA en seis ciudades de Colombia. Los resultados muestran que los hogares beneficiarios del programa cuentan con una amplia variedad de estrategias de ahorro y crédito, en su mayoría informales y de alto costo, que les permiten enfrentar variaciones en el ingreso y que afectan su consumo; la bancarización a través de programas de transferencias condicionadas puede ser un mecanismo que facilite a los beneficiarios enfrentar esas variaciones a menores costos.

Download Info

If 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.
File URL: http://economia.uniandes.edu.co/publicaciones/dcede2010-23.pdf
Download Restriction: no

Bibliographic Info

Paper provided by UNIVERSIDAD DE LOS ANDES-CEDE in its series DOCUMENTOS CEDE with number 007609.

as in new window
Length: 45
Date of creation: 12 Sep 2010
Date of revision:
Handle: RePEc:col:000089:007609

Contact details of provider:

Related research

Keywords: suavización del ingreso; suavización del consumo; acceso a servicios financieros; transferencias condicionadas; Colombia; pobreza;

Find related papers by JEL classification:

This paper has been announced in the following NEP Reports:

References

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
as in new window
  1. Dercon, Stefan, 1996. "Risk, Crop Choice, and Savings: Evidence from Tanzania," Economic Development and Cultural Change, University of Chicago Press, vol. 44(3), pages 485-513, April.
  2. Deaton, Angus, 1992. " Household Saving in LDCs: Credit Markets, Insurance and Welfare," Scandinavian Journal of Economics, Wiley Blackwell, vol. 94(2), pages 253-73.
  3. Sharma, Manohar & Zeller, Manfred, 1999. "Placement and outreach of group-based credit organizations," FCND discussion papers 59, International Food Policy Research Institute (IFPRI).
  4. Rosenzweig, Mark R, 1988. "Risk, Implicit Contracts and the Family in Rural Areas of Low-income Countries," Economic Journal, Royal Economic Society, vol. 98(393), pages 1148-70, December.
  5. Stefan Dercon, 2000. "Income risk, coping strategies and safety nets," CSAE Working Paper Series 2000-26, Centre for the Study of African Economies, University of Oxford.
  6. Jacoby, Hanan G & Skoufias, Emmanuel, 1997. "Risk, Financial Markets, and Human Capital in a Developing Country," Review of Economic Studies, Wiley Blackwell, vol. 64(3), pages 311-35, July.
  7. Jonathan Morduch, 1995. "Income Smoothing and Consumption Smoothing," Journal of Economic Perspectives, American Economic Association, vol. 9(3), pages 103-114, Summer.
  8. Rosenzweig, Mark R. & Binswanger, Hans P., 1989. "Wealth, Weather Risk and the Composition and Profitability of Agricultural Investments," Bulletins 7455, University of Minnesota, Economic Development Center.
  9. Foster, Andrew D, 1995. "Prices, Credit Markets and Child Growth in Low-Income Rural Areas," Economic Journal, Royal Economic Society, vol. 105(430), pages 551-70, May.
  10. Marcel Fafchamps & Chris Udry & Katherine Czukas, . "Drought and Saving in West Africa: Are Livestock a Buffer Stock?," Working Papers 97013, Stanford University, Department of Economics.
  11. Anjali Kumar, 2005. "Access to Financial Services in Brazil," World Bank Publications, The World Bank, number 13821.
  12. Fafchamps, Marcel, 1992. "Solidarity Networks in Preindustrial Societies: Rational Peasants with a Moral Economy," Economic Development and Cultural Change, University of Chicago Press, vol. 41(1), pages 147-74, October.
  13. Jalan, Jyotsna & Ravallion, Martin, 1997. "Are the poor less well-insured? Evidence on vulnerability to income risk in rural China," Policy Research Working Paper Series 1863, The World Bank.
Full references (including those not matched with items on IDEAS)

Citations

Lists

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

Statistics

Access and download statistics

Corrections

When requesting a correction, please mention this item's handle: RePEc:col:000089:007609. See general 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: (Universidad De Los Andes-Cede).

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.