El acceso al microcrédito formal e informal y su impacto en la brecha de ingreso. Análisis en las provincias de Pichincha, Azuay y Guayas, año 2006

Abstract

This study aims to evaluate the impact of access to formal and informal micro-credit in the income gap for the provinces of Pichincha,Azuay and Guayas. Using information from the Living Conditions Survey period 2005 - 2006 (ECV-Fifth Round), where the study population are households own business that applied for funding. To determine the impact of microcredit was used the Propensity Score Matching (PSM) method. The results for the entire sample reflected a negative and significant impact only if general and formal microcredit. Later, to evaluate the effect of microcredit in homes that are located above and below the poverty line, the results were negative but not significant in the highest income households. To estimate the impact of microcredit segmented by province the results were negative in decreasing the gap, but statistically significant only in the province of Azuay (general microcredit) and Guayas (formal microcredit).