SABIIA - Sistema Aberto e Integrado de Informação em Agricultura (Sabiia)

El microcrédito en el desarrollo de habilidades financieras de familias del municipio de Cuautla, Morelos.

Escalona Cortés, Arturo.

En el presente trabajo se presenta un modelo credit scoring en microfinanzas el cual permita calificar los solicitantes de un microcrédito. El modelo propuesto se basa en el modelo de regresión logística. La evaluación del modelo incluye el ajuste medido por la estadística Hosmer-Lemeshow, poder predictivo medido por la R2, poder discriminatorio medido por la curva ROC y área bajo la curva ROC. Además, se determinó un pundo de corte para validar el modelo. La información de clientes durante el período de mayo de 2008 a abril de 2009 de la empresa microfinanciera MásKapital se utilizó como base para desarrollar y calibrar el modelo. Se obtuvo un buen ajuste de este, reflejado en los resultados de validación que, presentan una clasificación total correcta...

Palavras-chave: Riesgo crediticio; Regresión logística; Microcréditos; Sensibilidad; Especificidad; Credit risk; Logistic regression; Microcredit; Sensitivity; Specificity; Maestría; Estadística.

Ano: 2011

URL: http://hdl.handle.net/10521/414

La diversidad de actividades económicas de los grupos domésticos rurales en la valoración del riesgo por parte de las microfinancieras.

Aguilar Soler, Nancy.

Actualmente el microfinanciamiento constituye una herramienta estratégica para combatir los niveles de pobreza en México y en el mundo. Existe un debate acerca de la efectividad de este mecanismo para que las familias logren mejores niveles de bienestar a través de realizar actividades productivas y empleos que les permita tener una mejor alimentación, mejor acceso a servicios de salud y a una vivienda digna con acceso a servicios básicos, es decir, un nivel de vida adecuado a todo ser humano. La presente investigación analiza la generación de habilidades financieras que han desarrollado las participantes en los grupos comunales de microfinanciamiento en el municipio de Cuautla, Morelos. El análisis de estas habilidades se identifica a través del...

Palavras-chave: Microcrédito; Habilidades financieras; Bienestar; Microcredit; Financial skills; Welfare; Desarrollo rural; Maestría.

Ano: 2013

URL: http://hdl.handle.net/10521/1986

Sánchez González, Carmen Lissette.

El microcrédito es un servicio que las personas de bajos ingresos utilizan para contrarrestar su condición de pobreza ya que, cuando se encuentra a su alcance, pueden poner en marcha proyectos y/o actividades de tipo económico que contribuyen a mejorar sus ingresos. A pesar de que la importante función del microcrédito ha sido objeto de amplio reconocimiento, incluso por parte de organismos nacionales e internacionales, la cobertura en la atención de clientes sigue siendo muy limitada. La falta de cobertura, por parte de las Instituciones Microfinancieras (IMF), resulta particularmente aguda en el caso del sector rural como resultado de las complejas condiciones del mismo y de la restringida capacidad de las instituciones microfinancieras. No...

Palavras-chave: Actividades económicas; Riesgo; Microcrédito; Microfinanzas; Microfinancieras; Economical activities; Risk; Microcredit; Micro financial; Economía; Maestría; Economics.

Ano: 2012

URL: http://hdl.handle.net/10521/663

Uso de los modelos credit scoring en microfinanzas.

EFICIÊNCIA ECONÔMICA DAS POLÍTICAS DE MICROCRÉDITO RURAL NO ESTADO DE MATO GROSSO DO SUL

Escalona Cortés, Arturo.

Ano: 2011

URL: http://hdl.handle.net/10521/414

Gomes, Paulo Cesar Oliveira; Lima, Deise Guadalupe.

O estudo teve como objetivo geral mostrar que há uma relação histórica e teórica para explicar a dificuldade de implementar uma política de crédito para a agricultura familiar e que isso incorre em limitação de seu acesso e aumenta os custos da intermediação financeira. Verificou-se que os programas de crédito como essenciais assim como em qualquer atividade produtiva, mas que especificamente no caso das atividades produtivas rurais tomam características próprias dadas à especificidade do público alvo dos programas e a difícil acessibilidade aos modos comuns de crédito existente no mercado financeiro; procurou-se averiguar que assimetrias de informação nesse contexto está associada ao próprio risco da atividade e fortalece a lógica de exclusão do mercado....

Tipo: Conference Paper or Presentation

Palavras-chave: Microcrédito; Assimetrias de Informação; Dispêndio Público; Microcredit; Lack of information symmetry; Public expenditure; Agricultural Finance.

Ano: 2008

URL: http://purl.umn.edu/109582

A Personal Touch: Text Messaging for Loan Repayment

Morten, Melanie; Karlan, Dean S.; Zinman, Jonathan.

We worked with two microlenders to test impacts of randomly assigned reminders for loan repayments in the “text messaging capital of the world”. We do not find strong evidence that loss versus gain framing or messaging timing matter. Messages only robustly improve repayment when they include the loan officer’s name. This effect holds for clients serviced by the loan officer previously but not for first-time borrowers. Taken together, the results highlight the potential and limits of communications technology for mitigating moral hazard, and suggest that personal obligation/reciprocity between borrowers and bank employees can be harnessed to help overcome market failures.

Tipo: Working Paper

Palavras-chave: Microcredit; Microfinance; Randomized evaluation; Development finance; Consumer/Household Economics; Financial Economics; Research and Development/Tech Change/Emerging Technologies; D21; D92; G21; O16; O17.

Ano: 2012

URL: http://purl.umn.edu/121867

Does the Participation in the Microcredit Programs Contribute to the Development of Women Entrepreneurship at the Household Level? Experience from Bangladesh

Chowdhury, M. Jahangir Alam.

Microfinance

Microfinanças e inclusão social – um estudo de caso

Palavras-chave: Microcredit; Women Entrepreneurship Development; Bangladesh; Consumer/Household Economics.

Ano: 2008

URL: http://purl.umn.edu/46546

Lima, Maria Lucinda Silva; Carvalho, Lucas Araujo; Vidal, Marcelo Barbosa.

O microcrédito hoje é um fator que vem contribuindo para o desenvolvimento econômico-social de pequenos e médios negócios, urbanos ou rurais. A política creditícia, regra geral é inacessível à maioria dos pequenos produtores ou empresários de pequeno porte, que não atendem as exigências de garantia real dos financiamentos bancários. Diante deste cenário é necessário criar instrumentos e estratégias adequadas às necessidades específicas destas categorias. Assim, o microcrédito, como instrumento alternativo à política tradicional, se apresenta como opção aos pequenos e médios empreendedores em suas demanda de recursos financeiros para investimento ou custeio de seus negócios. No Estado do Acre o microcrédito vem sendo utilizado em alguns municípios, como...

Tipo: Conference Paper or Presentation

Palavras-chave: Crocrédito; Renda; Desenvolvimento; Microcredit; Income; Development.; Financial Economics.

Ano: 2008

URL: http://purl.umn.edu/107910

Microfinance and Environment: Does the Participation in the Microcredit Based Social Forestry of Proshika in Bangladesh Improve Environmental Literacy?

Chowdhury, M. Jahangir Alam.

The study intends to assess the impact of the participation in the microcredit based social forestry program of Proshika in Bangladesh on the environmental literacy of participating households. The analysis is based on a household-level survey of 450 households. Considering the endogeneity in program participation, the instrumental variable (IV) technique has been used to achieve the objective of the paper. The results indicate that the participation in the social forestry program of Proshika significantly enhances the environmental literacy of participating households.

Does the Participation in the Microcredit Programs Increase Consumption of Participating Households? The Case of the Grameen Bank in Bangladesh

Palavras-chave: Microcredit; Social Forestry; Environmental Literacy; Proshika; Bangladesh.

Ano: 2008

URL: http://purl.umn.edu/47843

Chowdhury, M. Jahangir Alam.

This paper assesses empirically the impact of the participation in the microcredit program of the Grameen Bank on consumption of participating households. A household level survey was carried out for collecting data (N=521). The results of the empirical estimations indicate that the participation of a household in the microcredit program of the Grameen Bank increases consumption of participating households significantly. But there is non-linearity in the increasing trend in consumption of participating households. The consumption level goes up gradually with the increase in the membership duration up to five years of membership, but the growth rate starts declining after that period of membership.

REPAYMENT PERFORMANCE UNDER JOINT LIABILITY BORROWING. DOES SOCIAL CAPITAL MATTER?: EVIDENCE FROM ARMENIA

Palavras-chave: Microcredit; Consumption; Impact Assessment; Grameen Bank; Bangladesh; Agricultural Finance; Consumer/Household Economics; Food Consumption/Nutrition/Food Safety; Food Security and Poverty.

Ano: 2007

URL: http://purl.umn.edu/46545

Kasarjyan, Milada; Fritzsch, Jana; Buchenrieder, Gertrud; Korff, Rudiger.

The aim of this paper is to test empirically the role of both cognitive and structural social capital in explaining the repayment performance of individual members under joint liability borrowing in rural Armenia. Based on unique primary data collected in 2006 in Ararat, Armavir and Vayots Dzor provinces, overall 86 observations, we estimated the Logit model to identify the determinants associated with good or bad repayment behavior of individual members. The results revealed that the members with higher level of structural and cognitive social capital as well as with higher farm productivity performed better. This indicates the importance of social as well as economic determinants for the decision and the ability of borrowers to repay the credit.

Tipo: Conference Paper or Presentation

Palavras-chave: Microcredit; Social capital; Group liability; Repayment; Financial Economics; Labor and Human Capital.

Ano: 2007

URL: http://purl.umn.edu/7796

Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila

Karlan, Dean S.; Zinman, Jonathan.

Microcredit seeks to promote business growth and improve well-being by expanding access to credit. We use a field experiment and follow-up survey to measure impacts of a credit expansion for microentrepreneurs in Manila. The effects are diffuse, heterogeneous, and surprising. Although there is some evidence that profits increase, the mechanism seems to be that businesses shrink by shedding unproductive workers. Overall, borrowing households substitute away from labor (in both family and outside businesses), and into education. We also find substitution away from formal insurance, along with increases in access to informal risk-sharing mechanisms. Our treatment effects are stronger for groups that are not typically targeted by microlenders: male and...