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El papel del estado en el microfinanciamiento

Author

Listed:
  • Celia Hernández Cortés

    (Universidad Autónoma de Tlaxcala)

  • Jaime Ornelas Delgado

    (Universidad Autónoma de Tlaxcala)

  • Isabel Castillo Ramos

    (Universidad Autónoma de Tlaxcala)

Abstract

La intervención estatal tradicionalmente se ha justificado afirmando que: “el propósito de toda intervención es mejorar el nivel de bienestar de la sociedad y, en el caso, de la intervención en los mercados financieros, ese objetivo adopta la forma de aseguramiento de solvencia y eficiencia del sistema” (Martínez, 2002: 747). Más allá de las limitaciones y críticas que sostenemos en este trabajo respecto a la viabilidad de este instrumento de política pública, para incidir sobre los factores estructurales determinantes de la pobreza, que lamentablemente se generaliza y profundiza en la modalidad neoliberal del capitalismo, el propósito de este trabajo atiende a los problemas surgidos en el funcionamiento general de las microfinanzas y la necesaria intervención gubernamental para asegurar la solvencia de las instituciones y la protección de la población usuaria de este tipo de servicios financieros. Se trata, entonces, de una reflexión colectiva de un conjunto de acciones de microfinanciamiento llevadas a cabo en México y en otros países que podemos denominar complementarias del mercado financiero formal.

Suggested Citation

  • Celia Hernández Cortés & Jaime Ornelas Delgado & Isabel Castillo Ramos, 2015. "El papel del estado en el microfinanciamiento," Nóesis. Revista de Ciencias Sociales y Humanidades, Nóesis. Revista de Ciencias Sociales y Humanidades, vol. 24, pages 145-171, 48.
    • Handle: RePEc:cjz:noesis:648
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    References listed on IDEAS

    as
    1. Adams, Dale W & Von Pischke, J. D., 1992. "Microenterprise credit programs: Deja vu," World Development, Elsevier, vol. 20(10), pages 1463-1470, October.
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    More about this item

    Keywords

    Microfinanciamiento; Estado; pobreza.;
    All these keywords.

    JEL classification:

    • Z10 - Other Special Topics - - Cultural Economics - - - General

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