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Banking Services Supply and Micro Firm Performance: Evidence from Colombia

dc.contributor.authorÁlvarez, Fernandoes
dc.contributor.authorMeléndez, Marcelaes
dc.coverage.spatialColombiaes
dc.date.accessioned2014-10-15T20:04:12Z
dc.date.available2014-10-15T20:04:12Z
dc.date.issued2010es
dc.identifier.citationÁlvarez, F., & Meléndez, M. (2010). Banking Services Supply and Micro Firm Performance: Evidence from Colombia. CAF Working paper, 2010/09, Caracas: CAF. Retrieved from https://scioteca.caf.com/handle/123456789/213en_GB
dc.identifier.urihttps://scioteca.caf.com/handle/123456789/213
dc.description.tableofcontentsThis paper uses a dataset of a survey of Colombian micro firms from 2003 to 2007 in combination with data from publicly available sources about banking services supply at the municipality level, to assess the impact of the availability of banking services on micro firms performance. We find a positive and statistically significant correlation between banking services supply targeted to micro firms and firm size measured by sales, firm labor productivity and firm capital to labor ratios, and a nil correlation with employment, suggesting improved access to credit has resulted in micro firms’ transit to more capitalintensive technologies. This result is robust to alternative empirical specifications. Also, policies to extend microcredit access to the smaller informal micro firms appear to have been successful in promoting their growth. Finally, microcredit availability at the local level does not appear to have a positive impact on formalization. On the contrary, more flexible requirements to access financing, seem to be a counter incentive for formalization.es
dc.language.isoenges
dc.publisherCAFes
dc.relation.ispartofseriesCAF Working paper, 2010/09es
dc.rightsCC-BY-NCes_ES
dc.rights.urihttp://creativecommons.org/licenses/by-nc/4.0/es_ES
dc.subjectInstituciones microfinancierases
dc.subjectSector financieroes
dc.subjectMicrofinanzases
dc.subjectInvestigación socioeconómicaes
dc.subjectBanca comerciales
dc.subjectTrabajo y protección sociales
dc.titleBanking Services Supply and Micro Firm Performance: Evidence from Colombiaes
dc.typeworkingPaperes
dc.publisher.cityCaracases


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