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Evaluación y medición de la calidad de gestión en las cajas rurales Alcance y sustentabilidad

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  • Martha Hernández, Gerardo A. Colmenares Lacruz

Abstract

Resumen El presente artículo destaca el beneficio y buen funcionamiento del programa microfi- nanciero denominado Cajas Rurales. Además de un estudio comparativo, para observar las fortalezas y debilidades que ellas presentan, se desarrolla la construcción del modelo “Evaluación y medición de la calidad de gestión de las Cajas Rurales” (EMCGCR). El diagnóstico preliminar indica que las cajas son una organización microfinanciera sus- tentable en los sectores rurales. Los resultados han desmoronado el mito: “los pobres no pagan”; reportan tasas de morosidad muy bajas. Para reforzar cuantitativamente esta conclusión se emplearon alternativamente técnicas de análisis multivariante y de inteligencia artificial. Se comprobó la eficiencia de las cajas y además, que ambas técnicas permitieron clasificar con alto desempeno la sustentabilidad de las cajas estudiadas.

Suggested Citation

  • Martha Hernández, Gerardo A. Colmenares Lacruz, 2013. "Evaluación y medición de la calidad de gestión en las cajas rurales Alcance y sustentabilidad," Revista CIFE, Universidad Santo Tomás, June.
    • Handle: RePEc:col:000195:012370
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    File URL: http://revistas.usantotomas.edu.co/index.php/cife/article/view/1419
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    More about this item

    Keywords

    Cajas rurales; alcance y sustentabilidad; microcréditos; análisis multivariante; redes neuronales.;
    All these keywords.

    JEL classification:

    • C14 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Semiparametric and Nonparametric Methods: General
    • C38 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Classification Methdos; Cluster Analysis; Principal Components; Factor Analysis
    • C80 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - General
    • C82 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Methodology for Collecting, Estimating, and Organizing Macroeconomic Data; Data Access
    • C83 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Survey Methods; Sampling Methods
    • C88 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Other Computer Software

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