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Microcrédito y su Impacto: Un Acercamiento con Datos Chilenos

Author

Listed:
  • Francisca Henriquez

    (Office of Evaluation and Oversight, Inter-American Development Bank, Washington, DC, USA)

Abstract

Esta investigación busca contribuir empíricamente a la discusión sobre el efecto de las microfinanzas. El estudio presenta una evaluación de impacto del uso intensivo del crédito sobre el desempeño de microempresas chilenas con acceso a este tipo de financiamiento. Los resultados encontrados, utilizando técnicas de matching, muestran efectos deseables sobre la evolución del desempeño de las empresas producto del uso intensivo del crédito, versus la elección de fuentes alternativas de financiamiento. Los impactos encontrados pueden ser asociados a incrementos en bienestar, derivados del mayor empleo demandado y los aumentos en formalidad de las microempresas. Además, el crecimiento en las ventas encontrado puede generar incrementos en ingresos familiares en el corto o largo plazo. A través de la evidencia se constatan los beneficios del acceso y utilización del crédito como estrategia de financiamiento.

Suggested Citation

  • Francisca Henriquez, 2009. "Microcrédito y su Impacto: Un Acercamiento con Datos Chilenos," OVE Working Papers 0309, Inter-American Development Bank, Office of Evaluation and Oversight (OVE).
    • Handle: RePEc:idb:ovewps:0309
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    References listed on IDEAS

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    Cited by:

    1. María del Pilar Bohada R., 2010. "Desplazamiento forzado y condiciones de vida de las comunidades de destino: el caso de Pasto, Nariño," Revista de Economía Institucional, Universidad Externado de Colombia - Facultad de Economía, vol. 12(23), pages 259-298, July-Dece.

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    JEL classification:

    • O12 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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