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Microcrédito y su Impacto: Un Acercamiento con Datos Chilenos

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  • Francisca Henriquez

    ()
    (Office of Evaluation and Oversight, Inter-American Development Bank, Washington, DC, USA)

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    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.

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    Bibliographic Info

    Paper provided by Inter-American Development Bank, Office of Evaluation and Oversight (OVE) in its series OVE Working Papers with number 0309.

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    Length: 30 pages
    Date of creation: Oct 2009
    Date of revision:
    Handle: RePEc:idb:ovewps:0309

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    Keywords: Micro-credit; Chile; Impact; Evaluation;

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    Cited by:
    1. María del Pilar Bohada R., 2010. "Desplazamiento forzado y condiciones de vida de las comunidades de destino: el caso de Pasto, Nariño," Revista de Economía Institucional, Universidad Externado de Colombia - Facultad de Economía, vol. 12(23), pages 259-298, July-Dece.

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