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Competencia en el mercado de microcréditos peruano, una medición utilizando el Indicador de Boone

Author

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  • Giovanna Aguilar

    ( Departamento de Economía de la PUCP del Perú)

Abstract

Este estudio se analiza la competencia en el mercado microcrediticio peruano vinculándola con la eficiencia de las firmas involucradas y su participación en el mercado. El análisis se realiza para el periodo 2003 – 2009 utilizándose el Indicador de Boone, una medida más robusta de la competencia frente a otras medidas convencionales (IHH, Índice de Lerner). El análisis distingue los créditos otorgados a microempresas de los otros tipos de créditos (consumo, comercial e hipotecario), los que son tratados como un solo producto crediticio llamado créditos “otros”. Asimismo, en cada uno de los mercados de estos productos crediticios se identifican, siguiendo el criterio del valor del crédito promedio, subsegmentos de mercado y los tipos de operadores microfinancieros que en ellos compiten. Los resultados muestran que la competencia se ha intensificado en el mercado de créditos a microempresas, a pesar de observarse una mayor concentración en este mercado. Sin embargo, la competencia entre cajas rurales, financieras y EDPYMES es mayor que la existente entre cajas municipales y bancos especializados. En el mercado de créditos “otros” la competencia se ha intensificado entre cajas municipales y rurales mas no así, entre bancos y financieras.

Suggested Citation

  • Giovanna Aguilar, 2016. " Competencia en el mercado de microcréditos peruano, una medición utilizando el Indicador de Boone," Documentos de Trabajo / Working Papers 2016-417, Departamento de Economía - Pontificia Universidad Católica del Perú.
  • Handle: RePEc:pcp:pucwps:wp00417
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    File URL: http://files.pucp.edu.pe/departamento/economia/DDD417.pdf
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    References listed on IDEAS

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    Keywords

    competencia ; Indicador de Boone ; Microfinanzas;

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