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Estrategias de suavización del consumo y del ingreso de las madres beneficiarias del programa Familias en Acción: un análisis cualitativo

Author

Listed:
  • Jorge H. Maldonado
  • Rocío del Pilar Moreno-Sánchez
  • romoreno@uniandes.edu.co

Abstract

Los programas de transferencias condicionadas en Latinoamérica han venido desarrollando diferentes mecanismos para distribuir más eficientemente los subsidios entre las familias beneficiarias. En Colombia, desde el ano 2009, se inició un Plan de Bancarización cuyo propósito, además de mejorar la eficiencia en la entrega del subsidio y reducir los inconvenientes presentados bajo otros mecanismos de pago, es favorecer el acceso a servicios financieros, particularmente depósitos, de las madres beneficiarias del programa Familias en Acción (FA). En el marco de una evaluación preliminar del Plan de Bancarización del programa, llevada a cabo entre 2009 y 2010, este documento identifica y analiza las estrategias formales e informales que tienen los hogares beneficiarios del programa de transferencias condicionadas colombiano, para suavizar sus sendas de consumo y de ingreso; el objetivo último de este análisis es entender el papel que el acceso a servicios financieros formales podría jugar en estos hogares para enfrentar las variaciones en los ingresos generadas por shocks y estacionalidades. Como parte del análisis cualitativo, se aplicaron 73 encuestas semi- estructuradas a madres receptoras de transferencias condicionadas del programa FA en seis ciudades de Colombia. Los resultados muestran que los hogares beneficiarios del programa cuentan con una amplia variedad de estrategias de ahorro y crédito, en su mayoría informales y de alto costo, que les permiten enfrentar variaciones en el ingreso y que afectan su consumo; la bancarización a través de programas de transferencias condicionadas puede ser un mecanismo que facilite a los beneficiarios enfrentar esas variaciones a menores costos.

Suggested Citation

  • Jorge H. Maldonado & Rocío del Pilar Moreno-Sánchez & romoreno@uniandes.edu.co, 2010. "Estrategias de suavización del consumo y del ingreso de las madres beneficiarias del programa Familias en Acción: un análisis cualitativo," Documentos CEDE 7609, Universidad de los Andes, Facultad de Economía, CEDE.
    • Handle: RePEc:col:000089:007609
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    References listed on IDEAS

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    Cited by:

    1. Carlos Chiapa & Silvia Prina, 2017. "Conditional Cash Transfers and Financial Access: Increasing the Bang for Each Transferred Buck?," Development Policy Review, Overseas Development Institute, vol. 35(1), pages 23-38, January.

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    More about this item

    Keywords

    suavización del ingreso; suavización del consumo; acceso a servicios financieros; transferencias condicionadas; Colombia; pobreza;
    All these keywords.

    JEL classification:

    • D1 - Microeconomics - - Household Behavior
    • D13 - Microeconomics - - Household Behavior - - - Household Production and Intrahouse Allocation
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
    • D60 - Microeconomics - - Welfare Economics - - - General
    • G2 - Financial Economics - - Financial Institutions and Services
    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household
    • H51 - Public Economics - - National Government Expenditures and Related Policies - - - Government Expenditures and Health
    • H52 - Public Economics - - National Government Expenditures and Related Policies - - - Government Expenditures and Education
    • H53 - Public Economics - - National Government Expenditures and Related Policies - - - Government Expenditures and Welfare Programs
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O54 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Latin America; Caribbean

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