Instituciones microfinancieras y cajas de ahorro en Santo Tomás Hueyotlipan, Puebla
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Palabras clave

cajas de ahorro
finanzas informales
finanzas rurales
microfinanzas
México

Cómo citar

Raccanello, K., & Roldán-Bravo, G. (2014). Instituciones microfinancieras y cajas de ahorro en Santo Tomás Hueyotlipan, Puebla. Economía Sociedad Y Territorio. https://doi.org/10.22136/est00201435

Resumen

La exigua presencia de los intermediarios financieros formales en los municipios rurales mexicanos impulsa el uso de tandas y solicitud de dinero a prestamistas, familiares o amigos. Las cajas de ahorro constituyen una alternativa a estos métodos tradicionales y aprovechan el capital social comunitario. Esta investigación, fundamentado en una muestra realizada en el municipio de Santo Tomás Hueyotlipan (Puebla, México), analiza los factores que impulsan la participación en las cajas de ahorro informales y su interacción con otros intermediarios financieros informales. Los resultados del modelo probit indican que la participación responde a la posibilidad de poder ahorrar atrayendo a aquellos individuos que no utilizan tandas, prestamistas o deudas con familiares o amigos.
https://doi.org/10.22136/est00201435
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