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Micro Credit and Territory: Portugal as a case study


  • Joana Afonso

    (Faculdade de Economia da Universidade do Porto)

  • Isabel Mota

    (Faculdade de Economia da Universidade do Porto)

  • Sandra Silva

    (Faculdade de Economia da Universidade do Porto)


This paper studies the relations between micro credit and territory, assuming that micro credit is an important instrument for fighting against poverty and social exclusion. Based on a micro-level database provided by ANDC (Associação Nacional de Direito ao Crédito), a statistical and econometric study has been undertaken in order to identify the territorial idiosyncrasies associated with the employment of micro credit in Portugal. Focusing on the survival of micro credit projects during the period 2006-2009, our study demonstrates the significance for a firm’s survival of variables such as population density, value added growth in each activity and promoters’ qualifications, as well as two regional dummies.

Suggested Citation

  • Joana Afonso & Isabel Mota & Sandra Silva, 2012. "Micro Credit and Territory: Portugal as a case study," Notas Económicas, Faculty of Economics, University of Coimbra, issue 35, pages 40-58, June.
  • Handle: RePEc:gmf:journl:y:2012:i:35:p:40-58

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    References listed on IDEAS

    1. Mata, Jose & Portugal, Pedro, 1994. "Life Duration of New Firms," Journal of Industrial Economics, Wiley Blackwell, vol. 42(3), pages 227-245, September.
    2. P. Holmes & A. Hunt & I. Stone, 2010. "An analysis of new firm survival using a hazard function," Applied Economics, Taylor & Francis Journals, vol. 42(2), pages 185-195.
    3. José Mata & Pedro Portugal, 2001. "The Survival of New Domestic and Foreign Owned Firms," Working Papers w200101, Banco de Portugal, Economics and Research Department.
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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R58 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Regional Development Planning and Policy
    • C24 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Truncated and Censored Models; Switching Regression Models; Threshold Regression Models


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