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Cuando las Mujeres son las que Mandan: Efecto del Ahorro en el Empoderamiento de la Mujer Boliviana

Author

Listed:
  • Hugo Pablo Rocha Portugal

    (Institute for Advanced Development Studies (INESAD))

  • Diego A. Vera Cossio

    (University of California)

Abstract

La presente investigacion contribuye con evidencia acerca del efecto del ahorro en cuatro medidas de empoderamiento femenino. Estimamos un modelo de tratamiento endógeno para el acceso a ahorro en el sistema formal en 2004 utilizando como variable de exclusión el número de agencias de servicios financieros por cada 1.000 habitantes a nivel ciudad en 1996. Utilizamos datos de la Encuesta de Hábitos de Ahorro (2004), que recolecta información acerca de las actitudes frente al consumo y al ahorro de 3.000 hogares en zonas urbanas de Bolivia, con la que construimos varias medidas de empoderamiento femenino, ahorro formal y gastos del hogar. Cuatro lecciones importantes se desprenden de este estudio. En primer lugar, el ahorro formal tiene un efecto sobre algunas medidas de empoderamiento, este efecto se re fleja en reasignaciones de tiempo en las actividades del hogar: las mujeres que trabajan fuera de casa dedican menos tiempo a la administración de los gastos. Segundo, la magnitud del efecto del ahorro depende de la liquidez del tipo de instrumento financiero que se utilice para ahorrar. Tercero, distinguimos que el ahorro per se no tiene efectos sobre el empoderamiento; la forma en la que se ahorra hace la diferencia, al aplicar la misma metodología al ahorro informal no encontramos ningún efecto signi cativo. Finalmente, no encontramos evidencia de que el ahorro formal incremente el gasto en educación.

Suggested Citation

  • Hugo Pablo Rocha Portugal & Diego A. Vera Cossio, 2014. "Cuando las Mujeres son las que Mandan: Efecto del Ahorro en el Empoderamiento de la Mujer Boliviana," Development Research Working Paper Series 06/2014, Institute for Advanced Development Studies.
    • Handle: RePEc:adv:wpaper:201406
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    References listed on IDEAS

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    More about this item

    Keywords

    Empoderamiento femenino; acceso financiero; ahorro; microfinanzas; Bolivia;
    All these keywords.

    JEL classification:

    • I14 - Health, Education, and Welfare - - Health - - - Health and Inequality
    • I24 - Health, Education, and Welfare - - Education - - - Education and Inequality
    • I32 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Measurement and Analysis of Poverty
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs
    • J13 - Labor and Demographic Economics - - Demographic Economics - - - Fertility; Family Planning; Child Care; Children; Youth
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
    • J71 - Labor and Demographic Economics - - Labor Discrimination - - - Hiring and Firing
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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