This paper reviews the main causes of the rapid growth of credit in Peru during the 1990s. The creation of new types of lending intermediaries besides traditional banks has allowed debt to increase and credit to be extended to new classes of borrowers such as middle and lower-class urban...

En nuestro país, el grueso de las explotaciones agropecuarias corresponde al segmento de la pequeña agricultura. En ese sentido los pequeños productores son un actor clave en los procesos de desarrollo agropecuario y donde los autores sistienen que deben estar concentrados los esfuerzos de...

This paper provides a methodological bridge leading from the well-developed theory of credit rationing to the less developed territory of empirically identifying credit constraints. We begin by developing a simple model showing that credit constraints may take three forms: quantity rationing,...

This document is based on the reading of collected by the surveys with the objective to relate the variables of poverty and ethnicity for the Peruvian case. One of its main results is that Peru is a country with an important indigenous population. Altogether the 33.7% of the Peruvian homes are...

Este informe examina una muestra de 42 instituciones financieras con carteras agropecuarias en América Latina, e identifica cuáles son los principales riesgos percibidos, cómo evalúan los riesgos, cómo los manejan, y cuán efectivas son en el proceso.

El objetivo del presente informe es examinar las técnicas comunes de manejo de riesgos usadas en una muestra de instituciones financieras de América Latina con carteras agropecuarias e identificar los factores que contribuyen al manejo efectivo del riesgo crediticio. En este informe se...

The purpose of this report is to review common credit risk management techniques used in a sample of Latin American financial institutions with agricultural portfolios, identify the factors that contribute to successful credit risk management as measured by several key financial performance...

Este informe examina una muestra de 42 instituciones financieras con carteras agropecuarias en América Latina, e identifica cuáles son los principales riesgos percibidos, cómo evalúan los riesgos, cómo los manejan, y cuán efectivas son en el proceso.

This book represents the first comprehensive effort to analyze informal finance in Peru. We gathered data from a survey designed to capture formal and non-formal credit and savings transactions. We surveyed rural households, urban micro entrepreneurs, and wholesalers from three regions: Junin,...