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¿Cuál es y cómo se caracteriza la demanda potencial de microcréditos en la Argentina? Nuevas estimaciones

Author

Listed:
  • Martín Grandes

    (Universidad Católica Argentina; CONICET)

  • Milagros Satorre

    (Universidad Católica Argentina)

Abstract

En este trabajo se estiman y caracterizan los perfiles de la demanda potencial de microcréditos en Argentina según distintos atributos socioeconómicos y demográficos en base a la Encuesta de la Deuda Social Argentina (EDSA) de la Pontificia Universidad Católica Argentina, con datos de la onda 2010 para 5682 hogares estratificados en la Argentina. Se intenta así proveer de una herramienta útil a las instituciones microfinancieras, al sector público y académico aportándoles a partir de este año y en forma anual, de acuerdo a la actualización periódica de la EDSA, información del potencial demandante de microcrédito con el fin de fortalecer la expansión de la oferta de microcréditos. Los principales resultados del estudio arrojan que habría entre 661,000 y 919,000 demandantes potenciales de microcrédito, mayormente ocupados cuentapropistas e informales, la mitad de ellos en un rango de 30 a 49 años, más de 60% de sexo masculino, no bancarizados hasta un 70% y que habitan en el Conurbano Bonaerense Sur, Oeste, Córdoba, Conurbano Norte, Rosario y Mendoza en ese orden de importancia.

Suggested Citation

  • Martín Grandes & Milagros Satorre, 2012. "¿Cuál es y cómo se caracteriza la demanda potencial de microcréditos en la Argentina? Nuevas estimaciones," Ensayos de Política Económica, Departamento de Investigación Francisco Valsecchi, Facultad de Ciencias Económicas, Pontificia Universidad Católica Argentina., vol. 1(6), pages 54-76, Octubre.
    • Handle: RePEc:atw:epecon:v:1:y:2012:i:6:p:54-76
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    File URL: https://erevistas.uca.edu.ar/index.php/ENSAYOS/article/view/2388/2212
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    References listed on IDEAS

    as
    1. Quibria, M. G., 2012. "Microcredit and Poverty Alleviation: Can Microcredit Close the Deal?," WIDER Working Paper Series 078, World Institute for Development Economic Research (UNU-WIDER).
    2. Sergio Navajas & Luis Tejerina, 2006. "Microfinance in Latin America and the Caribbean: Connecting Supply and Demand," IDB Publications (Working Papers) 9212, Inter-American Development Bank.
    3. M. G. Quibria, 2012. "Microcredit and Poverty Alleviation: Can Microcredit Close the Deal?," WIDER Working Paper Series wp-2012-078, World Institute for Development Economic Research (UNU-WIDER).
    4. repec:unu:wpaper:wp2012-78 is not listed on IDEAS
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    More about this item

    Keywords

    Microfinanzas; créditos; sociedad; Argentina;
    All these keywords.

    JEL classification:

    • G17 - Financial Economics - - General Financial Markets - - - Financial Forecasting and Simulation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • Z13 - Other Special Topics - - Cultural Economics - - - Economic Sociology; Economic Anthropology; Language; Social and Economic Stratification

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