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Alcances de la actividad Microcrediticia en Colombia

Author

Listed:
  • Hugo Alfonso Hernández Escolar
  • Jhon Alexander Méndez Sayago
  • Nubia Stella Carreño Amaya

Abstract

El artículo expone los beneficios económicos derivados del espacio de financiamiento disponible para la población de menores ingresos en el país. Además, muestra las distintas interpretaciones prácticas acerca de las posibilidades reales del microcrédito como herramienta para el desarrollo, comparando los elementos característicos de la experiencia del Grameen Bank frente a la institucionalización del microcrédito en Colombia. El problema del microfinanciamiento es examinado a la luz del análisis económico convencional. De allí se abordan elementos del entorno institucional en distintos países, seguidos por una resena de la experiencia colombiana. Finalmente se explora una serie de indicadores representativos del microcrédito en nuestro medio. Los indicadores evaluados sugieren que existe espacio para la expansión del microcrédito en condiciones rentables, si bien es preciso que futuras investigaciones enfaticen en la magnitud y el impacto de tal crecimiento sobre el conjunto de la economía.

Suggested Citation

  • Hugo Alfonso Hernández Escolar & Jhon Alexander Méndez Sayago & Nubia Stella Carreño Amaya, 2011. "Alcances de la actividad Microcrediticia en Colombia," Revista Facultad de Ciencias Económicas, Universidad Militar Nueva Granada, December.
    • Handle: RePEc:col:000180:011674
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    More about this item

    Keywords

    Microcrédito; Microfinanzas; Banco de los pobres; Instituciones microfinancieras;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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