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Impacto de la Metodología de Crédito Agropecuario en el crédito al pequeño productor en Colombia
[Impact of the Agricultural Credit Methodology on Credit Access for Small Farmers in Colombia]

Author

Listed:
  • Dayana Camila Beltrán Bejarano

    (Universidad de los Andes)

Abstract

Los pequeños productores agropecuarios enfrentan barreras de acceso al crédito derivadas de la información asimétrica, que genera racionamiento crediticio, y de los elevados costos que enfrentan las instituciones financieras para operar en zonas rurales. Esta investigación evalúa la Metodología de Crédito Agropecuario, un programa que combina un componente de información dirigido a las entidades financieras con un aplicativo digital que permite tramitar desembolsos en zonas apartadas. Utilizando la metodología de Callaway y Sant’Anna (2021) para estimar diferencias en diferencias con tratamiento escalonado y efectos heterogéneos, se encuentra que el aplicativo genera incrementos significativos en los créditos otorgados por organizaciones no gubernamentales sin ánimo de lucro, así como en aquellos dirigidos a mujeres y a municipios alejados y de bajos ingresos. Los resultados sugieren que el programa es más efectivo cuando las instituciones que lo implementan cuentan con mayor capacidad financiera, y que los impactos se materializan a partir del uso del aplicativo digital, mientras que el componente de información no genera efectos cuando se evalúa de forma independiente.

Suggested Citation

  • Dayana Camila Beltrán Bejarano, 2026. "Impacto de la Metodología de Crédito Agropecuario en el crédito al pequeño productor en Colombia [Impact of the Agricultural Credit Methodology on Credit Access for Small Farmers in Colombia]," Documentos CEDE 2026-5, Universidad de los Andes, Facultad de Economía, CEDE.
    • Handle: RePEc:col:000089:022146
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    Keywords

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    JEL classification:

    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • Q14 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Finance
    • Q55 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Environmental Economics: Technological Innovation

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