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El financiamiento informal en el Perú: lecciones desde tres sectores

Informal Finance in Peru: Lessons from Three Sectors

Javier Alvarado, Felipe Portocarrero M., Carolina Trivelli, Efrain Gonzales de Olarte (), Francisco Galarza () and Hildegardi Venero ()

MPRA Paper from University Library of Munich, Germany

Abstract: This book represents the first comprehensive effort to analyze informal finance in Peru. We gathered data from a survey designed to capture formal and non-formal credit and savings transactions. We surveyed rural households, urban micro entrepreneurs, and wholesalers from three regions: Junin, La Libertad and Lima. Overall, we find high loan (65%) and savings rates (above 70%). Moreover, interestingly, while the number of non-formal credit transactions account for 81.5% of the total, they also represent 58.2% of the total loaned amount. As a result, average loans are significantly smaller in the non-formal sector (besides having shorter terms). The 48 case studies conducted to examine the anatomy of non-formal intermediaries show us the importance of the formal-informal financial linkage.

Keywords: Crédito; financiamiento; sector informal, comerciantes; mayoristas; microempresarios; hogares rurales; desarrollo rural, Peru (search for similar items in EconPapers)
JEL-codes: G21 G23 O17 Q14 (search for similar items in EconPapers)
Date: 2001-12
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