Resumen

BERTRAND MARTINEZ, Tonatiuh; OMANA SILVESTRE, José Miguel  y  SANGERMAN-JARQUIN, Dora Ma.. Ideal scheme of financial access in the innovation network Asteca-maize of Guerrero State. Rev. Mex. Cienc. Agríc [online]. 2013, vol.4, n.8, pp.1123-1137. ISSN 2007-0934.

One feature of the Mexican rural sector is its poor population with limited access to financial services. In Guerrero, 95% of the population has no access to institutional credit and has a deficit of 631 kg of maize for consumption per year. In this situation of lack of grain, in 2007 was implemented the Innovation Network Asteca-maize in municipalities of high and very high marginalization with innovation plots (PaInn). It has been managed to increase the yield in 731 kg ha^-1 passing 3 465.3 to 4 196.1 kg ha^-1. However, when wanting to innovate, the existing limiting economic resources. An Ideal Scheme of Financial Access (ESIAFIN) it's planed that would enable the producers to access to credit to implement innovations. The scheme considers a central axis to create a Disperser of Credit (DC) that articulates the financial intermediary actors such as rural, farmers, government (SAGARPA, SEDER), funding agencies (FIRA, FINRURAL), and private agents and administered by a Guarantee Fund (GF) to access and reduce the risk to the funding source. In order to disperse and recover the credit based on work security and solidarity groups. The benefit-cost for increasing the performance and credit use is 1.08. For the ESIAFIN is relevant to instrument based on the logic of the dissemination strategy with innovations of leading producers to other producers. This proposal would help to access the formal finance and help reduce the deficit of maize to the poor.

Palabras llave : credit disperser; group solidarity; financial services.