Servicios Financieros para la Microempresa Como Instrumento de Desarrollo
Creators:González Vega, Claudio
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Publisher:Ohio State University. Department of Agricultural, Environmental, and Development Economics
Series/Report no.:Ohio State University. Department of Agricultural Economics and Rural Sociology. ESO (Economics and Sociology Occasional Paper). No. 1992
Drawing on the lessons of the small farmer credit programs of the past, this paper discusses the determinants of financial viability of microenterprise credit programs. Emphasis is placed on protection from inflation, full-cost recovery, and vigorous loan collection. Experience suggest that viable programs are associated with greater client benefits. Other determinants of success are specialization, flexible financial policies, and portfolio diversification.
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