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El financiamiento informal en el Perú: lecciones desde tres sectores
[Informal Finance in Peru: Lessons from Three Sectors]

Listed author(s):
  • Alvarado, Javier
  • Portocarrero M., Felipe
  • Trivelli, Carolina
  • Gonzales de Olarte, Efraín
  • Galarza, Francisco
  • Venero, Hildegardi

This book represents the first comprehensive effort to analyze informal finance in Peru. We gathered data from a survey designed to capture formal and non-formal credit and savings transactions. We surveyed rural households, urban micro entrepreneurs, and wholesalers from three regions: Junin, La Libertad and Lima. Overall, we find high loan (65%) and savings rates (above 70%). Moreover, interestingly, while the number of non-formal credit transactions account for 81.5% of the total, they also represent 58.2% of the total loaned amount. As a result, average loans are significantly smaller in the non-formal sector (besides having shorter terms). The 48 case studies conducted to examine the anatomy of non-formal intermediaries show us the importance of the formal-informal financial linkage.

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File URL: https://mpra.ub.uni-muenchen.de/47681/1/financiamientoinformal.pdf
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Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 47681.

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Date of creation: Dec 2001
Handle: RePEc:pra:mprapa:47681
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  1. Besley, Timothy, 1994. "How Do Market Failures Justify Interventions in Rural Credit Markets?," World Bank Research Observer, World Bank Group, vol. 9(1), pages 27-47, January.
  2. Bell, Clive, 1990. "Interactions between Institutional and Informal Credit Agencies in Rural India," World Bank Economic Review, World Bank Group, vol. 4(3), pages 297-327, September.
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