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Evaluando el Impacto de Microcréditos en Bolivia - Evidencia del Crédito Productivo Individual – Banco de Desarrollo Productivo

Author

Listed:
  • Werner L. Hernani-Limarino

    (Fundación ARU)

  • Paul Villarroel

    (Fundación ARU)

Abstract

Este documento presenta la evaluación de impacto del Crédito Productivo Individual del Banco de Desarrollo Productivo S.A.M - institución financiera gubernamental de segundo piso que canaliza recursos hacia actividades productivas en Bolivia. Este producto financiero se encuentra dirigido específicamente hacia micro y pequeñas empresas del sector productivo, concentrándose en su mayoría en los sectores de agricultura y manufactura. Tomando en cuenta las diferencias en el tratamiento recibido por los beneficiarios, utilizamos múltiples grupos de control para estimar, bajo el supuesto de ausencia de factores de confusión, el impacto sobre variables de la unidad familiar y la unidad productiva. Los resultados muestran que los principales efectos del crédito se observan en el sector de manufacturas. En este sector se observa un impacto entre 23% y 38 % del nivel de inversión en maquinaria, lo que podría ser la explicación para el impacto mayor al 20% generado sobre el valor de producción. Por su parte, los resultados para el sector agropecuario muestran sólo un efecto en la reducción de costos de los insumos dentro de la unidad productiva, sugiriendo que el mayor impacto dentro del sector agropecuario podría ser la apertura de productos financieros a este grupo de productores.

Suggested Citation

  • Werner L. Hernani-Limarino & Paul Villarroel, 2015. "Evaluando el Impacto de Microcréditos en Bolivia - Evidencia del Crédito Productivo Individual – Banco de Desarrollo Productivo," Working Papers 05/2015, Fundación Aru.
    • Handle: RePEc:aru:wpaper:201505
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    References listed on IDEAS

    as
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    JEL classification:

    • C21 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Cross-Sectional Models; Spatial Models; Treatment Effect Models
    • G2 - Financial Economics - - Financial Institutions and Services
    • I3 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty

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