¿Cuáles son las condiciones que generan el éxito micro-financiero?
DOI:
https://doi.org/10.15359/eys.20-48.4Palavras-chave:
Determinantes del desarrollo, desarrollo humano, microcréditos, pobrezaResumo
En este trabajo nos aproximaremos al estudio de las causas del desarrollo desde aquellos elementos que hacen de la micro-financiación una herramienta efectiva en la erradicación de la pobreza. La eficacia de tal instrumento en la generación de riqueza a las clases más empobrecidas exige superar el marco minimalista de actuación que condena sus prácticas a la mera provisión de servicios microfinancieros. Esta proposición será corroborada analítica y empíricamente desde la asimilación del desarrollo humano como causa y no solo resultado del éxito microfinanciero. Para ello diseñamos dos rectas de regresión donde variables como la educación, sanidad y seguridad alimentaria mostrarán ser determinantes a la hora de explicar el comportamiento en los ingresos de los beneficiarios de tales programas microfinancieros.
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