Resumo

ESQUIVEL MARTINEZ, Horacio. Situación actual del Sistema de ahorro y Crédito Popular en México. Prob. Des [online]. 2008, vol.39, n.152, pp.165-191. ISSN 0301-7036.

This article presents the current state of Mexico's micro-financing sector, briefly analyzing the segment's regulatory framework, as well as the principal actors, networks and institutions that participate in this sector. On this point, it presents the most important methodological characteristics of micro-credit proposals and some very characteristic aspects, as in the case of micro-credits in the state of Michoacán. The article includes an introductory review that will have to be continued, dealing with today's two prevailing models -contrasting the subsidized credit model with the market credit model, as proposed by the micro-financing paradigm. Some relevant theoretical and historical fundamentals are analyzed for each proposal and the limits of subsidized credit are explained in terms of imposing interest rate ceilings and their sequels. Some alternatives are considered which should be continued, on the one hand, to have better control of the sector and, on the other, to promote the concretization of the aims put forward at micro-finance summits, these being to serve the poorest segments, promote banking among them and combat poverty.

Palavras-chave : Micro-finance; popular finance; control group; treatment group; witness group; impact; poverty.

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