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Micro credit and Territory - Portugal as a case study


  • Joana Afonso

    () (Faculdade de Economia, Universidade do Porto)

  • Isabel Mota

    () (CEF.UP, Faculdade de Economia, Universidade do Porto)

  • Sandra Tavares Silva

    () (CEF.UP, Faculdade de Economia, Universidade do Porto)


This paper studies the relations between micro credit and territory, assuming that micro credit is an important instrument for fighting against poverty and social exclusion. Based on a micro-level database provided by ANDC (Associação Nacional de Direito ao Crédito), we developed a statistical and econometric work in order to identify the territorial idiosyncrasies associated with the employment of micro credit in Portugal. Focusing on the survival of the micro credit projects in the period of 2006-2009, our study sustains the significance of variables such as the population density, the value added growth in each activity and the promoters’ qualifications, besides two regional dummies, for firms’ survival.

Suggested Citation

  • Joana Afonso & Isabel Mota & Sandra Tavares Silva, 2011. "Micro credit and Territory - Portugal as a case study," FEP Working Papers 400, Universidade do Porto, Faculdade de Economia do Porto.
  • Handle: RePEc:por:fepwps:400

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    References listed on IDEAS

    1. Mata, Jose & Portugal, Pedro, 1994. "Life Duration of New Firms," Journal of Industrial Economics, Wiley Blackwell, vol. 42(3), pages 227-245, September.
    2. P. Holmes & A. Hunt & I. Stone, 2010. "An analysis of new firm survival using a hazard function," Applied Economics, Taylor & Francis Journals, vol. 42(2), pages 185-195.
    3. José Mata & Pedro Portugal, 2001. "The Survival of New Domestic and Foreign Owned Firms," Working Papers w200101, Banco de Portugal, Economics and Research Department.
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    More about this item


    Micro credit; Territory; Poverty;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R58 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Regional Development Planning and Policy


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