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	Provedor de dados AgEcon (28) Colegio de Postgraduados (8) Autor Karlan, Dean S. (11) Zinman, Jonathan (6) Ashraf, Nava (2) Bertrand, Marianne (2) Gardebroek, Cornelis (2) Gine, Xavier (2) José Espinoza, Edward (2) Mullainathan, Sendhil (2) Shafir, Eldar (2) Yin, Wesley (2) Agrawala, Shardul (1) Allais, Jérôme (1) Berhane Tesfay, G. (1) Berhane, Guush (1) Braga, Marcelo Jose (1) Bressan, Valéria Gama Fully (1) Carraro, Maelis (1) Chauhan, A.K. (1) Coelli, Tim J. (1) Coulter, Jonathan (1) Mais... Palavra-chave Microfinance (36) Financial Economics (15) Microfinanzas (8) O12 (8) O16 (7) Institutional and Behavioral Economics (6) International Development (6) O17 (6) Social capital (6) Agricultural Finance (5) C93 (5) Consumer/Household Economics (5) D91 (5) EDAR (5) O1 (5) Credit markets (4) Field experiment (4) Maestría (4) Poverty (4) Community/Rural/Urban Development (3) Mais... Tipo do documento Working or Discussion Paper (14) Conference Paper or Presentation (10) Tesis (3) Journal Article (2) Working Paper (2) Ano 2013 (2) 2012 (1) 2011 (6) 2010 (3) 2009 (7) 2008 (3) 2007 (2) 2006 (2) 2005 (8) 2004 (1) 2003 (1) Mais... País United States (28) Mexico (8) Idioma Inglês (27) Espanhol (8) Português (1)		Ordenar por:  Relevância Autor Título Ano Registros recuperados: 36 Primeira ... 1 2 ... Última Las microfinanzas en las condiciones de vida, ingreso y cultura financiera y empresarial. El caso de FINSOL Texcoco-Chimalhuacán, Estado de México Colegio de Postgraduados Sampayo Paredes, Humberto. En México, como en prácticamente todo el mundo, se experimenta un acelerado crecimiento del sector de las microfinanzas de corte comercial, aun cuando se trata de un sector relativamente nuevo; desde principios de la década los 90´s, para el caso específico de México. Ello se debe a cuatro factores básicos: a) La enorme demanda de servicios financieros por parte de millones de personas de bajos ingresos; b) El diseño de una tecnología apropiada para acercar estos servicios a esa población; c) La presencia de inversionistas dispuestos a invertir en esta industria y; d) La difusión mundial que se le ha dado como instrumento de combate a la pobreza (objetivos del milenio). Lo anterior ha dado origen a múltiples estudios enfocados a evaluar los... Tipo: Tesis Palavras-chave: Microfinanzas; Crecimiento; Impactos; Pobreza; Bienestar; Maestría; Desarrollo Rural; Microfinance; Growth; Impact; Poverty; Welfare. Ano: 2008 URL: http://hdl.handle.net/10521/1532 Desarrollo del sector microfinanciero en México. Colegio de Postgraduados Álvarez González, Evelina. El propósito de este trabajo fue analizar el desarrollo y desempeño del sector microfinanciero en México durante el periodo de 1996-2012, mediante los indicadores profundidad y amplitud con el objetivo de conocer sobre que niveles de pobreza están realmente incidiendo las instituciones de microfinanzas en nuestro país y como se está comportando el mercado de prestatarios. El estudio se realizó con una muestra correspondiente a 120 IMF´S (Instituciones de Microfinanzas) mexicanas registradas y disponibles en las bases de datos de Microfinance Information Exchange, Inc. (Mix). y ProDesarrollo, Finanzas y Microempresa A.C. (Benchmarking 2012), para lo cual se empleo una metodología de tipo cuantitativa analítica con grupos de control y de estudio para... Palavras-chave: Microfinanzas; Profundidad; Amplitud; Pobreza; Microfinance; Depth; Breadth; Poverty; Economía; Maestría. Ano: 2013 URL: http://hdl.handle.net/10521/2173 Impacto socioeconómico de las microfinanzas en el desarrollo rural desde la sustentabilidad y la institucionalidad en el Municipio del Cuá, 2010. Colegio de Postgraduados José Espinoza, Edward. El impacto socioeconómico de las microfinanzas en el desarrollo rural se presenta como una alternativa en el combate a la pobreza y desigualdades sociales del campo rural, por lo general excluidos de los servicios financieros clásicos. El objetivo de la investigación fue analizar el impacto socioeconómico que ejercen las microfinanzas en el desarrollo rural desde la sustentabilidad e institucionalidad en cinco comunidades del municipio del Cuá-Bocay, Nicaragua. Se utilizó el muestreo conglomerado de dos etapas, obteniendo 63 unidades muéstrales distribuidas según el tamaño de de las comunidades. Se estudiaron 6 variables: microfinanzas rurales, transformaciones territoriales rurales e institucionales, sustentabilidad del sistema de producción, desempeño... Palavras-chave: Desarrollo rural; Institucionalidad; Microfinanzas; Sustentabilidad; Rural development; Institutionality; Microfinance; Sustainability; EDAR; Desarrollo Rural Territorial Sustentable CP-UNAN; Maestría Tecnológica. Ano: 2011 URL: http://hdl.handle.net/10521/522 Procesos de formación y viabilidad de las cajas de ahorro populares desde la perspectiva del capital social y la acción colectiva en San Andrés Tuxtla, Veracruz Colegio de Postgraduados Allais, Jérôme. El objetivo de este estudio es analizar los factores socio-económicos que favorecen los procesos de formación y la viabilidad de las cajas de ahorro populares de grupos de mujeres en zonas rurales marginadas del municipio de San Andrés Tuxtla, Veracruz desde la perspectiva del capital social y de la acción colectiva. El proceso metodológico se desarrolló de la siguiente manera: 1) una idea de inicio basada en la experiencia en campo; 2) un trabajo bibliográfico y teórico-conceptual para diseñar el protocolo de investigación; 3) el estudio exploratorio en la región de Los Tuxtlas para determinar las instituciones formales e informales de financiamiento rural existentes y delimitar la investigación; 4) un estudio de caso en campo en el cual se aplicaron... Tipo: Tesis Palavras-chave: Microfinanzas; Cajas de ahorro populares; Capital Social; Institucionalidad; Acción Colectiva; Capacidad de agencia; Maestría; EDAR; Estrategías para el Desarrollo Agrícola Regional.; Microfinance; Informal rural banks; Social capital; Institutionalism; Collective action; Agency capacity. Ano: 2008 URL: http://hdl.handle.net/10521/1386 Impacto socioeconómico de las microfinanzas en el desarrollo rural desde la sustentabilidad y la institucionalidad en el Municipio del Cuá, 2010. Colegio de Postgraduados José Espinoza, Edward. El impacto socioeconómico de las microfinanzas en el desarrollo rural se presenta como una alternativa en el combate a la pobreza y desigualdades sociales del campo rural, por lo general excluidos de los servicios financieros clásicos. El objetivo de la investigación fue analizar el impacto socioeconómico que ejercen las microfinanzas en el desarrollo rural desde la sustentabilidad e institucionalidad en cinco comunidades del municipio del Cuá-Bocay, Nicaragua. Se utilizó el muestreo conglomerado de dos etapas, obteniendo 63 unidades muéstrales distribuidas según el tamaño de de las comunidades. Se estudiaron 6 variables: microfinanzas rurales, transformaciones territoriales rurales e institucionales, sustentabilidad del sistema de producción, desempeño... Palavras-chave: Desarrollo rural; Institucionalidad; Microfinanzas; Sustentabilidad; Rural development; Institutionality; Microfinance; Sustainability; EDAR; Desarrollo Rural Territorial Sustentable CP-UNAN; Maestría Tecnológica. Ano: 2011 URL: http://hdl.handle.net/10521/522 Y ellas trabajando a golpe de sol... y con el metate también : relaciones de poder e independencia económica de las mujeres a partir de las microfinanzas rurales. Colegio de Postgraduados García Horta, José Luis. El objetivo de la investigación es analizar la efectividad del microcrédito como instrumento para atenuar la situación de pobreza que viven las personas que lo utilizan. La unidad de análisis la constituyeron las beneficiarias que ProMujer atendió en su Centro Focal ubicado en Ixmiquilpan, Estado de Hidalgo. El método y la metodología de la investigación se fundamentaron en la perspectiva de género como categoría útil para analizar las desigualdades entre hombres y mujeres. En el análisis se contempló el trabajo de diversos autores y autoras que se han especializado en el tema del microcrédito. Se indica que cuando a las mujeres se les facilita el acceso a los recursos financieros, en el grupo doméstico se mejora la situación de pobreza y las mujeres... Palavras-chave: Género; Pobreza; Microfinanzas; Empoderamiento; Gender; Poverty; Microfinance; Empowerment; Desarrollo Rural; Doctorado. Ano: 2013 URL: http://hdl.handle.net/10521/2196 Factores relacionados con la permanencia de un organismo microfinanciero local, el caso de la caja de ahorro y préstamo comunitario "San Juan", Palmarito Tochapan, Puebla. Colegio de Postgraduados Olmos Ramírez, Yannet. Este trabajo de investigación tuvo como objetivo encontrar los elementos administrativos y sociales que permiten la permanencia, funcionamiento y viabilidad de una caja de ahorro y préstamo comunitario (CAPC) en la comunidad de Palmarito Tochapan, Puebla. El método utilizado fue el estudio de caso, a través de técnicas de observación directa y participativa. Los resultados son: la CAPC implementó su propio proceso administrativo y la responsabilidad directamente recae en el comité y posteriormente en cada uno de sus integrantes. El capital social está sustentado por los lazos de parentesco y de amistad reflejados en la cooperación, reciprocidad y confianza, las cuales mantienen fuertemente cohesionado al grupo permitiendo la generación de la acción... Palavras-chave: Administración; Acción colectiva; Caja de ahorro; Capital social; Microfinanzas; Administration; Collective action; Microfinance; Savings; Social capital; EDAR; Estrategias para el Desarrollo Agrícola Regional; Maestría. Ano: 2011 URL: http://hdl.handle.net/10521/589 Microfinanciamiento, capital social y bienestar económico familiar en la caja de ahorro Tosepantomin, Puebla, México Colegio de Postgraduados Michel Alcaraz, Miguel Ángel. La literatura no reporta correlaciones directas entre el microfinanciamiento y el bienestar económico de los usuarios. El objetivo de la investigación fue indagar, desde la perspectiva del capital social, sobre la relación del microfinanciamiento y el bienestar económico familiar de los integrantes de los grupos solidarios de la caja de ahorro formal Tosepantomin localizada en una región rural de alta marginación en la Sierra Nororiental del Estado de Puebla, México, así como el impacto de los grupos solidarios en el desempeño de la caja de ahorro. Se utilizó el muestreo aleatorio simple bietápico; se construyó un Índice de Bienestar Económico Familiar que se contrastó con la antigüedad y número de préstamos de los usuarios y se diseñó un modelo para... Tipo: Tesis Palavras-chave: Microfinanzas; Grupos solidarios; Información asimétrica; Sobrevivencia; Doctorado; EDAR; Estrategias para el Desarrollo Agrícola Regional; Microfinance; Social capital; Solidarity groups; Asymetric information; Survival. Ano: 2009 URL: http://hdl.handle.net/10521/1219 Farmer Groups Enterprises and the Marketing of Staple Food Commodities in Africa AgEcon Coulter, Jonathan. There are some apparently successful cases of collective marketing with staple food commodities (grains and root crops), but these are less common than cases involving higher value agricultural products. These can be attributed to the benefit/cost ratio to participants being generally higher for collective marketing of the higher-value crops. Some of the costs are ‘hidden’, in the sense that they are borne by individuals in time spent in attending meetings, and not shown in the financial statements of the enterprises concerned. Examining a series of cases, the paper advocates an approach to the marketing of staples which involves analyzing the value chain and identifying those activities which on the one hand, best lend themselves to individual initiative,... Tipo: Working or Discussion Paper Palavras-chave: Collective marketing; Producer organization; Staple food; Village storage; Inventory credit; Microfinance; Disbursement-driven; Agribusiness. Ano: 2007 URL: http://purl.umn.edu/50003 Using Experimental Economics to Measure Social Capital and Predict Financial Decisions AgEcon Karlan, Dean S.. Questions remain as to whether results from experimental economics games are generalizable to real decisions in non-laboratory settings. Furthermore, important questions persist about whether social capital can help solve seemingly missing credit markets. I conduct two experiments, a Trust game and a Public Goods game, and a survey to measure social capital. I then examine whether behavior in the games predicts repayment of loans to a Peruvian group lending microfinance program. Since the structure of these loans relies heavily on social capital to enforce repayment, this is a relevant and important test of the games, as well as of other measures of social capital. I find that individuals identified as "trustworthy" by the Trust game are in fact less... Tipo: Working or Discussion Paper Palavras-chave: Trust game; Experimental economics; Microfinance; Institutional and Behavioral Economics; B4; C9; D8; O1. Ano: 2005 URL: http://purl.umn.edu/28429 Deposit Collectors AgEcon Ashraf, Nava; Karlan, Dean S.; Yin, Wesley. Informal lending and savings institutions exist around the world, and often include regular door-to-door deposit collection of cash. Some banks have adopted similar services in order to expand access to banking services in areas that lack physical branches. Using a randomized control trial, we investigate determinants of participation in a deposit collection service and evaluate the impact of offering the service for micro-savers of a rural bank in the Philippines. Of 137 individuals offered the service in the treatment group, 38 agreed to sign-up, and 20 regularly used the service. Take-up is predicted by distance to the bank (a measure of transaction costs of depositing without the service) as well as being married (a suggestion that household bargaining... Tipo: Working or Discussion Paper Palavras-chave: Savings behavior; Microfinance; Field experiment; Savings mobilization; Deposit collector; Financial Economics; D1; D9; G1; G2; O1. Ano: 2005 URL: http://purl.umn.edu/28502 Perfil das cooperativas de crédito mútuo do estado de Minas Gerais AgEcon Bressan, Valéria Gama Fully; Braga, Marcelo Jose. Given the relevance of the credit unions at national and world level, the objective of this work was to describe the profile of the financial cooperatives from the Brazilian state of Minas Gerais. This study is based on data collected in the period of May to June of 2004, and the sample of 18.85% of the population was selected to supply data. The results indicate that the cooperatives were, on average, 16 years old; 92% of the associates that requested loans were assisted; the delinquent loans level were of 22.34%; and older cooperatives established smaller interest rates than the new ones. The managers had appropriate perception of the true meaning of a cooperative and they agreed with the cooperative principle of voluntary and open membership. In... Tipo: Journal Article Palavras-chave: Credit unions; Microfinance; Minas Gerais; Financial Economics. Ano: 2006 URL: http://purl.umn.edu/55180 The welfare effects of microfinance in Vietnam: empirical results from a quasi-experiment survey AgEcon Nghiem, Hong Son; Coelli, Tim J.; Rao, Prasada. In this paper we analyse the effects of microfinance programs upon household welfare in Vietnam. Our analytical framework builds upon the rural household models of Singh et al. (1986) and Rosenzweig (1990). Data on 470 households across 25 villages was collected using a quasiexperiment survey approach to overcome self-selection bias. In our econometric analysis the welfare effects of microfinance are proxied using measures of household income and consumption. The empirical results indicate that participation in microfinance has a positive effect upon household welfare, with the size of the effect increasing at a decreasing rate as a household spends more time in the microfinance program. Tipo: Conference Paper or Presentation Palavras-chave: Microfinance; Rural households; Vietnam; Quasi-experiment survey; Effectiveness; Welfare; Financial Economics. Ano: 2007 URL: http://purl.umn.edu/10437 Micro-Savings & Informal Insurance in Villages: A Field Experiment on Indirect Effects of Financial Deepening on Safety Nets of the Poor AgEcon Flory, Jeffrey A.. Replaced with revised version of paper 07/28/11. Former title: Indirect Effects of Microfinance: A Field Experiment on Formal Savings Expansion and Informal Safety Nets of the Ultra-Poor Tipo: Conference Paper or Presentation Palavras-chave: Microfinance; Formal savings; Indirect effects; Safety nets; Poverty; Food security; Agricultural Finance; Community/Rural/Urban Development; Financial Economics; Food Security and Poverty; Health Economics and Policy; Institutional and Behavioral Economics; International Development; O17; O16; O12; I30; I38; I10. Ano: 2011 URL: http://purl.umn.edu/103905 What's Psychology Worth? A Field Experiment in the Consumer Credit Market AgEcon Bertrand, Marianne; Karlan, Dean S.; Mullainathan, Sendhil; Shafir, Eldar; Zinman, Jonathan. Numerous laboratory studies report on behaviors inconsistent with rational economic models. How much do these inconsistencies matter in natural settings, when consumers make large, real decisions and have the opportunity to learn from experiences? We report on a field experiment designed to address this question. Incumbent clients of a lender in South Africa were sent letters offering them large, short-term loans at randomly chosen interest rates. Psychological “features” on the letter, which did not affect offer terms or economic content, were also independently randomized. Consistent with standard economics, the interest rate significantly affected loan take-up. Inconsistent with standard economics, the psychological features also significantly affected... Tipo: Working or Discussion Paper Palavras-chave: Behavioral economics; Psychology; Microfinance; Marketing; Field experiment; Credit markets; Consumer/Household Economics; D01; C93; D12; D21; D81; D91; M37; O12. Ano: 2005 URL: http://purl.umn.edu/28441 Access to Microfinance: Does it Matter for Profit Efficiency Among Small Scale Rice Farmers in Bangladesh? AgEcon Sumelius, John; Islam, K.M. Zahidul; Sipilainen, Timo. This paper measures profit efficiency and examines the effect of access to microfinance on the performance of rice firms in Bangladesh. An extended Cobb-Douglas stochastic frontier profit function was used to assess profit efficiency and profit loss of rice farmers in Bangladesh in a survey data of 360 farms throughout the 2008-2009 growing seasons. Model diagnostics reveal that serious selection bias exists that justifies the uses of sample selection model in stochastic frontier models. After effectively correcting for selectivity bias, the mean profit efficiency of the microfinance borrowers and non-borrowers were estimated at 68% and 52% respectively, thereby suggesting that a considerable share of profits were lost due to profit inefficiencies in rice... Tipo: Conference Paper or Presentation Palavras-chave: Stochastic frontier function; Profit efficiency; Selection bias; Bangladesh; Microfinance; Agricultural Finance; Crop Production/Industries. Ano: 2011 URL: http://purl.umn.edu/116067 Elasticities of Demand for Consumer Credit AgEcon Karlan, Dean S.; Zinman, Jonathan. The price elasticity of demand for credit has major implications for macroeconomics, finance, and development. We present estimates of this parameter derived from a randomized trial. The experiment was implemented by a consumer microfinance lender in South Africa and identifies demand curves that, while downward-sloping with respect to price, are flatter than recent estimates in both developing and developed countries throughout most of a wide price range. However, demand becomes highly price sensitive at higher-than-normal rates. We discuss several interpretations of this kink and present some related evidence. We also find that loan size is far more responsive to changes in loan maturity than to changes in interest rate. This pattern is more pronounced... Tipo: Working or Discussion Paper Palavras-chave: Credit markets; Microfinance; Demand elasticity; Development finance; Maturity elasticity; Consumer credit; Liquidity constraints; Consumer/Household Economics; Demand and Price Analysis; D1; D9; E2; G2; O1. Ano: 2005 URL: http://purl.umn.edu/28485 The Relative Cost Efficiencies of Commercial Banks, Rural Financial Institutions, and Microfinance Institutions in China AgEcon Wu, Ya; Escalante, Cesar L.; Gunter, Lewell F.. This study employed data envelopment analysis (DEA) to evaluate the comparative efficiency performance of selected commercial banks, rural financial institutions and microfinance institutions in China. The first pairwise comparison indicated that commercial banks achieved higher level of overall technical efficiency, pure technical efficiency and scale efficiency than rural financial institutions (including RCCs) through the study period (2004-2007). Overall technical inefficiency seems to be more attributed to scale inefficiency rather than pure technical inefficiency for both commercial banks and rural financial institutions. The second pairwise comparison indicated that RCCs and CFPA are the most efficient institutions with efficiency scores of 1... Tipo: Conference Paper or Presentation Palavras-chave: Microfinance; China; Data envelopment analysis; Technical inefficiency; Scale efficiency; Agricultural Finance. Ano: 2010 URL: http://purl.umn.edu/61158 Factors Influencing Group Repayment Performance in Haryana: Application of Tobit Model AgEcon Feroze, S.M.; Chauhan, A.K.; Malhotra, Ravinder; Kadian, K.S.. Microfinance through self-help groups (SHGs) has evolved as a mechanism for social inclusion of the rural poor. This paper has identified the factors that influence the repayment performance of the SHGs in India, by conducting a study on a sample of 120 SHG members from 60 dairy SHGs and 60 non-members selected from the state of Haryana. Results of Tobit regression have shown that peer monitoring, group size and female percentage have positive influence, whereas homogeneity and loan amount have negative influence on the repayment performance of the SHGs. The study has concluded that if the essence of self-help and cooperation is fostered and monitored properly, the poor can also repay. Tipo: Journal Article Palavras-chave: Microfinance; Loan repayment; Deliquency rate; Haryana; Tabit model; Agricultural and Food Policy; Q13; Q14. Ano: 2011 URL: http://purl.umn.edu/109416 How Important are Peer Effects in Group Lending? Estimating a Static Game of Incomplete Information AgEcon Li, Shanjun; Liu, Yanyan; Deininger, Klaus W.. We quantify the importance of peer effects in group lending by estimating a static game of incomplete information. In our model, group members make their repayment decisions simultaneously based on their household and loan characteristics as well as their expectations on other members' repayment decisions. Exploiting a rich data set of a microfinance program in India, our estimation results suggest that the probability of a member making a full repayment would be 15 percentage points higher if all the other fellow members make full repayment compared to the case where none of the other members repay in full. We also find that large inconsistencies exist in the estimated effects of other variables in models that do not incorporate peer effects and control... Tipo: Conference Paper or Presentation Palavras-chave: Microfinance; Repayment; Strategic default; International Development. Ano: 2009 URL: http://purl.umn.edu/51699 Registros recuperados: 36 Primeira ... 1 2 ... Última

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