Efficiency in Microfinance Cooperatives
DOI:
https://doi.org/10.26754/ojs_ried/ijds.52Palabras clave:
instituciones de microfinanzas, eficiencia, economías de escala, impacto socialResumen
Las Naciones Unidas han declarado 2012 como el Año Internacional de las Cooperativas, en reconocimiento a su contribución al bienestar socioeconómico. Las cooperativas tienen una participación importante en el sector microfinanciero. Estudiamos su eficiencia y proporcionamos una estimación del tamaño óptimo de dichas entidades. Utilizamos el análisis de eficiencia clásico, que consiste en estimar un sistema de ecuaciones, e identificamos el tamaño óptimo de las cooperativas microfinancieras en términos de número de clientes (eficiencia en el alcance) así como en el valor en dólares de préstamos y depósitos (sostenibilidad). Encontramos que las cooperativas microfinancieras tienen rendimientos crecientes a escala, lo que significa que en su gran mayoría pueden reducir costes si crecen. Calculamos que su tamaño óptimo está alrededor de 100 millones de dólares en préstamos y la mitad en depósitos. Encontramos estimaciones menos robustas en términos de alcance a clientes, con un rango entre 40 000 y 180 000 prestatarios.
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Hartarska, V., Nadolnyak, D., Shen, X. (2012). Efficiency in Microfinance Cooperatives. Iberoamerican Journal of Development Studies, 1 (2): 52-75
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Derechos de autor 2012 Valentina Hartarska, Denis Nadolnyak, Xuan Shen
Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial-SinDerivadas 4.0.
