Formando microempresarias: los servicios de desarrollo de negocio para reforzar el impacto de los microcréditos

Olga Biosca

No 23, Estudios Regionales en Economía, Población y Desarrollo. Cuadernos de Trabajo de la Universidad Autónoma de Ciudad Juárez. from Cuerpo Académico 41 de la Universidad Autónoma de Ciudad Juárez

Abstract: Recent microfinance crises have put into question the effectiveness of microfinance for poverty alleviation. In this context, non-financial services supplied by microfinance institutions re-emerge as a mechanism to strengthen microfinance’s effect on wellbeing through human capital formation. By exploiting a natural experiment, this paper measures the marginal impact of an internationally standardized business development program supplied by a Mexican microfinance institution to female business owners. The treatment group had received for a year from 30 to 45 minute sessions after credit repayment meetings. Using a double differences method, it can be observed that the program does not have the expected effects on key variables such as revenues. There is a positive impact on good business practices, but also the risk of an increase of informality.

Keywords: microfinance; business development services; human capital; education; business managment (search for similar items in EconPapers)
JEL-codes: C31 I25 J24 O12 O15 O16 (search for similar items in EconPapers)
Pages: pages 31
Date: 2014-27-08, Revised 2014
New Economics Papers: this item is included in nep-mfd
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