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Microfinanzas: evolución histórica de sus instituciones y de su impacto en el desarrollo
[Microfinance: historical evolutions of institutions and its impact on development]

Author

Listed:
  • María Luisa Garayalde Niño

    () (Universidad Pontificia de Comillas-ICADE.)

  • Sara González Fernández

    () (Universidad Complutense de Madrid.)

  • Juan Mascareñas Pérez-Iñigo

    () (Universidad Complutense de Madrid.)

Abstract

Este trabajo analiza desde una perspectiva histórica la evolución de las microfinanzas (con especial referencia a los microcréditos) a lo largo de su historia, centrándose especialmente en la evolución de sus instituciones y en su influencia en el desarrollo de las sociedades. En cuanto a las instituciones se analizan las cooperativas de ahorro y crédito, el crédito directo o solidario y los modelos informales (guarda monedas, banca ambulante, tontines, etc.). Se discute cómo medir su impacto en el desarrollo, cuáles han sido los aspectos positivos y negativos de las microfinanzas así como qué método es el adecuado para conseguirlo.

Suggested Citation

  • María Luisa Garayalde Niño & Sara González Fernández & Juan Mascareñas Pérez-Iñigo, 2014. "Microfinanzas: evolución histórica de sus instituciones y de su impacto en el desarrollo
    [Microfinance: historical evolutions of institutions and its impact on development]
    ," REVESCO: Revista de estudios cooperativos, Universidad Complutense de Madrid, Facultad de Ciencias Económicas y Empresariales, Escuela de Estudios Cooperativos, issue 116, pages 130-159.
  • Handle: RePEc:ucm:reveco:y:2014:i:116:p:130-159
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    Keywords

    Microfinanzas; Microcrédito; Cooperativas de crédito; Finanzas informales; Tontines.;

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L31 - Industrial Organization - - Nonprofit Organizations and Public Enterprise - - - Nonprofit Institutions; NGOs; Social Entrepreneurship
    • N00 - Economic History - - General - - - General
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements

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