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Fondos comunitarios de ahorro de la sierra norte de Puebla, México. Análisis de viabilidad y permanencia. Colegio de Postgraduados
Salinas Ruíz, Elpidio.
Con el objetivo de conocer y analizar los factores sociales, económicos y financieros que determinan la viabilidad y permanencia de los Fondos Comunitarios de Ahorro (FCA), se realizó este estudio en la sierra norte de Puebla, México, las comunidades estudiadas son eminentemente rurales y dispersas, con poblaciones menores a 2,500 habitantes, con índices de marginación alto y muy alto, así como la total carencia de servicios financieros formales. La hipótesis planteada aquí, sustenta que los factores sociales, económicos y financieros determinan la viabilidad y permanencia de los FCA de la sierra norte de Puebla. El diseño de la investigación fue de carácter descriptivo, exploratorio, no experimental y transversal. La metodología utilizada consistió en la...
Palavras-chave: Ahorro; Microcrédito; Viabilidad; Participación; Solidaridad; Savings; Micro-credit; Feasibility; Participation; Solidarity; Desarrollo Rural; Maestría.
Ano: 2012 URL: http://hdl.handle.net/10521/1687
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ARE THE POOR TOO POOR TO DEMAND HEALTH INSURANCE? AgEcon
Ahuja, Rajeev; Jutting, Johannes Paul.
Community based micro insurance has aroused much interest and hope in meeting health care challenges facing the poor. In this paper we explore how institutional rigidities such as credit constraints impinge on demand for health insurance and how insurance could potentially prevent poor households from falling into poverty trap. In this setting, we argue that the appropriate public intervention in generating demand for insurance is not to subsidise premium but to remove these rigidities (easing credit constraint in the present context). Thus from insurance perspective as well, our analysis highlights the importance of having appropriate savings and borrowing instruments for the poor.
Tipo: Conference Paper or Presentation Palavras-chave: Micro-insurance; Micro-credit; Credit constraint; Demand for insurance.; Food Security and Poverty; Health Economics and Policy.
Ano: 2003 URL: http://purl.umn.edu/25821
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Provision of Livestock as a Catalyst for Improved Income Generation on Small Farms in Western Kenya AgEcon
Juma, Alfred; Roberts, Tim.
Many of the Groups supported had humble origins. Some were originally formed by women who got together because of their desperate situation and started 'merry go rounds' by which they each contributed a small amount of money each month and then supported members in turn either in a crisis situation or for a particular need - eg school fees. As they developed self confidence and improved their well being in a small way, so ngos such as SACHKWR have been able to build on their strengths and support them in the next step towards self sustainability. The challenge now is to ensure that as SACHKWR move on and support other communities that they are able to continue on their own with the minimum of outside support. To this end it is hoped that one of the SACHKWR...
Tipo: Conference Paper or Presentation Palavras-chave: Kenya; Smallholders; Women’s groups; Livestock; Pass on; Micro-credit; International Development; Livestock Production/Industries.
Ano: 2005 URL: http://purl.umn.edu/24233
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Creating Incentives for Micro-Credit Agents to Lend to the Poor AgEcon
Aubert, Cecile; de Janvry, Alain; Sadoulet, Elisabeth.
Microfinance institutions (MFIs) have introduced incentive pay schemes for their credit agents to induce information acquisition on borrowers. Bonuses linked to repayment are efficient for profit-oriented MFIs but insufficient for nonprofit MFIs trying to reach very poor borrowers, when repayment and wealth are positively correlated. We show that no incentive scheme is consistent with this (non-verifiable) objective: Random audits on the share of very poor borrowers selected by the agent become necessary. Under the optimal contract, non-profit MFIs generally maximize the number of poor borrowers it services by crosssubsidization between very poor and less poor borrowers.
Tipo: Working or Discussion Paper Palavras-chave: Micro-credit; Pro-poor; Objectives; Incentives; Financial Economics; Food Security and Poverty; O16; D82; L31..
Ano: 2004 URL: http://purl.umn.edu/25024
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