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El exito de la autorregulacion de las instituciones microfinancieras en Bolivia: una prueba empirica

Author

Listed:
  • Cristian Ricardo Nogales Carvajal

    (Centro de Investigaciones Económicas y Empresariales, Universidad Privada Boliviana)

Abstract

Hasta marzo de 2008, el mercado microfinanciero boliviano estaba conformado por dos tipos distintos de Instituciones: Las Instituciones Financieras para el Desarrollo (IFD) cuya actividad financiera no estaba regulada por el Estado y las Instituciones Especializadas en Microfinanzas (IMF) que se rigen a las normas de control publico. La Superintendencia de Bancos y Entidades Financieras resolvio integrar a las IFD dentro del mismo marco que el resto de las IMF. Esta resolucion supone que las IFD tienen un grado de solvencia financiera comparable al de las IMF reguladas. Este estudio emplea herramientas tecnicas para demostrar esta aseveracion; se demuestra ademas que las IFD tienen un mejor desempeno social que el resto de las IMF, por lo que se concluye que su inclusion en el mercado financiero formal le otorgara un caracter social mas amplio. Para llegar a estas conclusiones, se crearon Indices de Desempeno Financiero y Social a traves de un Analisis Factorial Exploratorio. Para medir las diferencias entre los rendimientos de las Instituciones se desarrollaron cuatro modelos econometricos aplicados a un panel de datos construido especificamente para el presente estudio.

Suggested Citation

  • Cristian Ricardo Nogales Carvajal, 2008. "El exito de la autorregulacion de las instituciones microfinancieras en Bolivia: una prueba empirica," Investigación & Desarrollo 0608, Universidad Privada Boliviana.
    • Handle: RePEc:iad:wpaper:0608
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    JEL classification:

    • C10 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - General
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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