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Impact on the financial variables of the borrowers of AVANZAR in Buenos Aires, Argentina. Period 2000-2012

Author

Listed:
  • Ismaira Contreras

    (Centro de Investigaciones y Desarrollo Empresarial (CIDE), Facultad de Ciencias Económicas y Sociales, Universidad de Los Andes. Dirección: Avenida Las Américas. Núcleo Universitario Liria, Edificio G, Piso 2, Código postal 5101, Mérida, Venezuela.)

  • Alicia Gómez

    (Universidad Nacional de Luján. Sede Capital. Dirección: Ecuador 871. Capital Federal - CP 1214. Buenos Aires, Argentina.)

Abstract

The microcredits are short-term loans and/or micro ventures with a small amount of money given to poor people in order to contribute to poverty reduction. In the last few years, there has been a fast growth in microcredits programmes; experts wonder whether those loans are reaching the poor people and whether they are generating a positive impact on them. The goal of this article is to show some breakthroughs of a study about the evaluation of the financial impact on the microcredits programme AVANZAR. A nonexperimental study has been carried out, comparing 101 borrower’s records over time. Results report an important growth in all analyzed variables with additional signs of the positive impact that microcredits have on borrowers.

Suggested Citation

  • Ismaira Contreras & Alicia Gómez, 2013. "Impact on the financial variables of the borrowers of AVANZAR in Buenos Aires, Argentina. Period 2000-2012," Economía, Instituto de Investigaciones Económicas y Sociales (IIES). Facultad de Ciencias Económicas y Sociales. Universidad de Los Andes. Mérida, Venezuela, vol. 38(35), pages 11-56, January-J.
    • Handle: RePEc:ula:econom:v:38:y:2013:i:35:p:11-56
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    References listed on IDEAS

    as
    1. Jonathan Conning & Jonathan Morduch, 2011. "Microfinance and Social Investment," Annual Review of Financial Economics, Annual Reviews, vol. 3(1), pages 407-434, December.
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    More about this item

    Keywords

    Microcredits; impact; borrowers; financial variables.;
    All these keywords.

    JEL classification:

    • 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
    • D24 - Microeconomics - - Production and Organizations - - - Production; Cost; Capital; Capital, Total Factor, and Multifactor Productivity; Capacity
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • L31 - Industrial Organization - - Nonprofit Organizations and Public Enterprise - - - Nonprofit Institutions; NGOs; Social Entrepreneurship

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