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Microcrédito y su impacto: Un acercamiento con datos chilenos

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  • Henríquez, Francisca

Abstract

Esta investigación busca contribuir empíricamente a la discusión sobre el efecto de las microfinanzas. El estudio presenta una evaluación de impacto del uso intensivo del crédito sobre el desempeño de microempresas chilenas con acceso a este tipo de financiamiento. Los resultados encontrados, utilizando técnicas de matching, muestran efectos deseables sobre la evolución del desempeño de las empresas producto del uso intensivo del crédito, versus la elección de fuentes alternativas de financiamiento. Los impactos encontrados pueden ser asociados a incrementos en bienestar, derivados del mayor empleo demandado y los aumentos en formalidad de las microempresas. Además, el crecimiento en las ventas encontrado puede generar incrementos en ingresos familiares en el corto o largo plazo. A través de la evidencia se constatan los beneficios del acceso y utilización del crédito como estrategia de financiamiento.

Suggested Citation

  • Henríquez, Francisca, 2009. "Microcrédito y su impacto: Un acercamiento con datos chilenos," IDB Publications (Working Papers) 2910, Inter-American Development Bank.
    • Handle: RePEc:idb:brikps:2910
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    File URL: https://publications.iadb.org/publications/spanish/document/Microcr%C3%A9dito-y-su-impacto-Un-acercamiento-con-datos-chilenos.pdf
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    Cited by:

    1. Veronica González & Pablo Ibarrarán & Alessandro Maffioli & Sandra Rozo, 2009. "The Impact of Technology Adoption on Agricultural Productivity: The Case of the Dominican Republic," OVE Working Papers 0509, Inter-American Development Bank, Office of Evaluation and Oversight (OVE).

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    WP-03/09;

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