La banca para los pobres: como liberar los beneficios de las microfinanzas
This policy brief is designed to help policymakers and practitioners understand the financial services needed by the poor. It is based on a five-year IFPRI research program that examined, among other issues, the roles government should play in providing financial services to meet the needs of the po...
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| Formato: | Brief |
| Lenguaje: | Español |
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International Food Policy Research Institute
2003
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| Acceso en línea: | https://hdl.handle.net/10568/156787 |
| _version_ | 1855522422240837632 |
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| author | International Food Policy Research Institute |
| author_browse | International Food Policy Research Institute |
| author_facet | International Food Policy Research Institute |
| author_sort | International Food Policy Research Institute |
| collection | Repository of Agricultural Research Outputs (CGSpace) |
| description | This policy brief is designed to help policymakers and practitioners understand the financial services needed by the poor. It is based on a five-year IFPRI research program that examined, among other issues, the roles government should play in providing financial services to meet the needs of the poor, through a series of detailed household surveys conducted in nine countries of Africa and Asia: Bangladesh, Cameroon, China, Egypt, Ghana, Madagascar, Malawi, Nepal, and Pakistan.... [The brief asks us to consider these questions:] What kinds of financial services do the poor value? What economic activities are the poor engaged in, and what implications does this have for the type of services to be provided? What are existing sources of financial services, and how do the poor use them? What combination of financial instruments—credit, savings, insurance — are best developed, given specific demand from different types of clients? Do delivery systems (credit union, village banking, group-based lending) take into account the prevailing socioeconomic environments or local organizational systems? What unconventional methods do the poor use to secure loans? Can these collateral substitutes be used within a more formalized banking system? In the lending or granting of public resources, are incentives in place to encourage competitive, sustainable, efficient, and entrepreneurial microfinance institutions? Are regulations in place that govern mutually supportive transactions between the clients (borrowers) and institutions (lenders), such as deposit insurance and contract enforcement? Are prudential regulations, such as accounting practices and reporting requirements, balanced so that they ensure sustainability, good management, and accountability of microfinance institutions without stifling innovation? Would the introduction or expansion of microfinance services in a region be one of the most socially cost-effective ways to alleviate poverty there, given the state of infrastructure and markets, the availability of services, and the existence of other antipoverty and development programs in the region? |
| format | Brief |
| id | CGSpace156787 |
| institution | CGIAR Consortium |
| language | Español |
| publishDate | 2003 |
| publishDateRange | 2003 |
| publishDateSort | 2003 |
| publisher | International Food Policy Research Institute |
| publisherStr | International Food Policy Research Institute |
| record_format | dspace |
| spelling | CGSpace1567872025-02-24T06:46:56Z La banca para los pobres: como liberar los beneficios de las microfinanzas International Food Policy Research Institute financial institutions small enterprises state intervention households surveys credit insurance socioeconomic environment regulations This policy brief is designed to help policymakers and practitioners understand the financial services needed by the poor. It is based on a five-year IFPRI research program that examined, among other issues, the roles government should play in providing financial services to meet the needs of the poor, through a series of detailed household surveys conducted in nine countries of Africa and Asia: Bangladesh, Cameroon, China, Egypt, Ghana, Madagascar, Malawi, Nepal, and Pakistan.... [The brief asks us to consider these questions:] What kinds of financial services do the poor value? What economic activities are the poor engaged in, and what implications does this have for the type of services to be provided? What are existing sources of financial services, and how do the poor use them? What combination of financial instruments—credit, savings, insurance — are best developed, given specific demand from different types of clients? Do delivery systems (credit union, village banking, group-based lending) take into account the prevailing socioeconomic environments or local organizational systems? What unconventional methods do the poor use to secure loans? Can these collateral substitutes be used within a more formalized banking system? In the lending or granting of public resources, are incentives in place to encourage competitive, sustainable, efficient, and entrepreneurial microfinance institutions? Are regulations in place that govern mutually supportive transactions between the clients (borrowers) and institutions (lenders), such as deposit insurance and contract enforcement? Are prudential regulations, such as accounting practices and reporting requirements, balanced so that they ensure sustainability, good management, and accountability of microfinance institutions without stifling innovation? Would the introduction or expansion of microfinance services in a region be one of the most socially cost-effective ways to alleviate poverty there, given the state of infrastructure and markets, the availability of services, and the existence of other antipoverty and development programs in the region? 2003 2024-10-24T12:45:30Z 2024-10-24T12:45:30Z Brief https://hdl.handle.net/10568/156787 es https://hdl.handle.net/10568/155603 Open Access application/pdf International Food Policy Research Institute International Food Policy Research Institute (IFPRI). 2003. La banca para los pobres: como liberar los beneficios de las microfinanzas. Issue Brief. 12. https://hdl.handle.net/10568/156787 |
| spellingShingle | financial institutions small enterprises state intervention households surveys credit insurance socioeconomic environment regulations International Food Policy Research Institute La banca para los pobres: como liberar los beneficios de las microfinanzas |
| title | La banca para los pobres: como liberar los beneficios de las microfinanzas |
| title_full | La banca para los pobres: como liberar los beneficios de las microfinanzas |
| title_fullStr | La banca para los pobres: como liberar los beneficios de las microfinanzas |
| title_full_unstemmed | La banca para los pobres: como liberar los beneficios de las microfinanzas |
| title_short | La banca para los pobres: como liberar los beneficios de las microfinanzas |
| title_sort | la banca para los pobres como liberar los beneficios de las microfinanzas |
| topic | financial institutions small enterprises state intervention households surveys credit insurance socioeconomic environment regulations |
| url | https://hdl.handle.net/10568/156787 |
| work_keys_str_mv | AT internationalfoodpolicyresearchinstitute labancaparalospobrescomoliberarlosbeneficiosdelasmicrofinanzas |