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Análisis de la transmisión de la tasa de interés de política monetaria en la tasa de interés de microcréditos en Colombia: discusiones de independencia

Author

Listed:
  • Batz, A.
  • Montes, J.
  • Romero, J.
  • Rubio, P.

Abstract

La tasa de interés de los microcréditos es importante en la medida en la que representa un costo significativo bajo el cual los microempresarios, emprendedores y trabajadores informales acceden a la financiación. Por lo tanto, la relación entre la tasa de intervención de política monetaria y esta tiene un rol fundamental en el crecimiento y desarrollo socioeconómico de este grupo. Sin embargo, las tasas de interés de este producto crediticio exhiben cierta independencia de la estrategia de política monetaria implementada por el Banco de la República, y una mayor relación con la demanda, el riesgo asociado, la solvencia y estructura de costos de las instituciones microfinancieras, entre otros.

Suggested Citation

  • Batz, A. & Montes, J. & Romero, J. & Rubio, P., 2021. "Análisis de la transmisión de la tasa de interés de política monetaria en la tasa de interés de microcréditos en Colombia: discusiones de independencia," Documentos de trabajo - Alianza EFI 20041, Alianza EFI.
  • Handle: RePEc:col:000561:020041
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    References listed on IDEAS

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    1. Vicki L. Bogan & Calum G. Turvey & Gabriela Salazar, 2015. "The Elasticity of Demand for Microcredit: Evidence from Latin America," Development Policy Review, Overseas Development Institute, vol. 33(6), pages 725-757, November.
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    More about this item

    Keywords

    Microcréditos; tasa de interés; tasa de intervención; política monetaria;
    All these keywords.

    JEL classification:

    • E26 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Informal Economy; Underground Economy
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies

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