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

Listed author(s):
  • Giovanna Aguilar

    ( Departamento de Economía de la PUCP del Perú)

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.

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File URL: http://files.pucp.edu.pe/departamento/economia/DDD417.pdf
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Paper provided by Departamento de Economía - Pontificia Universidad Católica del Perú in its series Documentos de Trabajo / Working Papers with number 2016-417.

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Length: pages
Date of creation: 2016
Publication status: published
Handle: RePEc:pcp:pucwps:wp00417
Contact details of provider: Postal:
Av. Universitaria 1801, San Miguel, Lima, Perú

Phone: (511) 626-2000 ext. 4950, 4951
Fax: (511) 626-2874
Web page: http://departamento.pucp.edu.pe/economia/
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