IDEAS home Printed from https://ideas.repec.org/
MyIDEAS: Login to save this paper or follow this series

Estrategias de suavización del consumo y del ingreso de las madres beneficiarias del programa Familias en Acción: un análisis cualitativo

  • Jorge H. Maldonado

    ()

  • Rocío del Pilar Moreno-Sánchez
  • romoreno@uniandes.edu.co

Los programas de transferencias condicionadas en Latinoamérica han venido desarrollando diferentes mecanismos para distribuir más eficientemente los subsidios entre las familias beneficiarias. En Colombia, desde el año 2009, se inició un Plan de Bancarización cuyo propósito, además de mejorar la eficiencia en la entrega del subsidio y reducir los inconvenientes presentados bajo otros mecanismos de pago, es favorecer el acceso a servicios financieros, particularmente depósitos, de las madres beneficiarias del programa Familias en Acción (FA). En el marco de una evaluación preliminar del Plan de Bancarización del programa, llevada a cabo entre 2009 y 2010, este documento identifica y analiza las estrategias formales e informales que tienen los hogares beneficiarios del programa de transferencias condicionadas colombiano, para suavizar sus sendas de consumo y de ingreso; el objetivo último de este análisis es entender el papel que el acceso a servicios financieros formales podría jugar en estos hogares para enfrentar las variaciones en los ingresos generadas por shocks y estacionalidades. Como parte del análisis cualitativo, se aplicaron 73 encuestas semi- estructuradas a madres receptoras de transferencias condicionadas del programa FA en seis ciudades de Colombia. Los resultados muestran que los hogares beneficiarios del programa cuentan con una amplia variedad de estrategias de ahorro y crédito, en su mayoría informales y de alto costo, que les permiten enfrentar variaciones en el ingreso y que afectan su consumo; la bancarización a través de programas de transferencias condicionadas puede ser un mecanismo que facilite a los beneficiarios enfrentar esas variaciones a menores costos.

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

File URL: http://economia.uniandes.edu.co/publicaciones/dcede2010-23.pdf
Download Restriction: no

Paper provided by UNIVERSIDAD DE LOS ANDES-CEDE in its series DOCUMENTOS CEDE with number 007609.

as
in new window

Length: 45
Date of creation: 12 Sep 2010
Date of revision:
Handle: RePEc:col:000089:007609
Contact details of provider:

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

as in new window
  1. Anjali Kumar, 2005. "Access to Financial Services in Brazil," World Bank Publications, The World Bank, number 13821, September.
  2. Stefan Dercon, 1993. "Risk, crop choice and saving: evidence from Tanzania," CSAE Working Paper Series 1993-02, Centre for the Study of African Economies, University of Oxford.
  3. Foster, Andrew D, 1995. "Prices, Credit Markets and Child Growth in Low-Income Rural Areas," Economic Journal, Royal Economic Society, vol. 105(430), pages 551-70, May.
  4. Deaton, A., 1991. "Household Saving in LDC'S: Credit Markets, Insurance, And Welfare," Papers 153, Princeton, Woodrow Wilson School - Development Studies.
  5. Marcel Fafchamps & Chris Udry & Katherine Czukas, . "Drought and Saving in West Africa: Are Livestock a Buffer Stock?," Working Papers 97013, Stanford University, Department of Economics.
  6. Rosenzweig, Mark R. & Binswanger, Hans P., 1989. "Wealth, Weather Risk and the Composition and Profitability of Agricultural Investments," Bulletins 7455, University of Minnesota, Economic Development Center.
  7. Sharma, Manohar & Zeller, Manfred, 1999. "Placement and outreach of group-based credit organizations," FCND discussion papers 59, International Food Policy Research Institute (IFPRI).
  8. Stefan Dercon, 2002. "Income Risk, Coping Strategies, and Safety Nets," World Bank Research Observer, World Bank Group, vol. 17(2), pages 141-166, September.
  9. Jalan, Jyotsna & Ravallion, Martin, 1999. "Are the poor less well insured? Evidence on vulnerability to income risk in rural China," Journal of Development Economics, Elsevier, vol. 58(1), pages 61-81, February.
  10. Rosenzweig, Mark R., 1986. "Risk, Implicit Contracts and the Family in Rural Areas of Low-Income Countries," Bulletins 7518, University of Minnesota, Economic Development Center.
  11. Jonathan Morduch, 1995. "Income Smoothing and Consumption Smoothing," Journal of Economic Perspectives, American Economic Association, vol. 9(3), pages 103-114, Summer.
  12. Jacoby, Hanan G & Skoufias, Emmanuel, 1997. "Risk, Financial Markets, and Human Capital in a Developing Country," Review of Economic Studies, Wiley Blackwell, vol. 64(3), pages 311-35, July.
  13. Fafchamps, Marcel, 1992. "Solidarity Networks in Preindustrial Societies: Rational Peasants with a Moral Economy," Economic Development and Cultural Change, University of Chicago Press, vol. 41(1), pages 147-74, October.
Full references (including those not matched with items on IDEAS)

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

When requesting a correction, please mention this item's handle: RePEc:col:000089:007609. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Universidad De Los Andes-Cede)

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.

This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.