Ecuador, microcredit: Business or financial inclusion?

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Published: 2011-12-30
DOI: https://doi.org/10.17163/ret.n2.2011.06
Keywords:
Financiamiento, economía popular y solidaria, microcrédito, inclusión financiera, emprendimientos populares y solidarios, tasas de interés diferenciadas, metodología de credito.

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Juanita Salinas Vásquez

Abstract

A  matched  difference  between  the  effective  rate  that  banks  and  other  not  government  institutions that work with microcredit charge and the effective rate charged by some saving and credit cooperative is presented here. Four basic criterions argument the situation: the possibility of reaching scale economies, high performance, the handle of operational costs and finally the need of credit risk protection.

Article Details

Issue
Vol. 1 No. 2 (2011): (july-december)
Section
Monographic section

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