Trajetória de crescimento para microempreendedores: diferencial de gênero dos clientes do programa crediamigo

IF 0.4 4区 经济学 Q4 ECONOMICS
Kamila Vieira de Mendonça, Ricardo Brito Soares
{"title":"Trajetória de crescimento para microempreendedores: diferencial de gênero dos clientes do programa crediamigo","authors":"Kamila Vieira de Mendonça, Ricardo Brito Soares","doi":"10.1590/0101-416146373KVR","DOIUrl":null,"url":null,"abstract":"Microcredit programs have been expanding in many countries as an alternative to productive insertion of low-income microentrepreneurs. In most cases, programs have a bias in the allocation of loans for women, assuming a greater commitment to these payments, from your best position in the family and society. The objective of this work is to verify whether there is a path of growth for this type of client, and if it is differentiated by gender. In this way, it estimates growth equations for microenterprises of the Crediamigo Program for the period of 2005 to 2009. The equations are estimated by linear mixed effect models, as proposed by Rabe-Hesketh and Skrondal (2012). The results show that there is a growth path, but with diminishing returns. Additionally, average return rates are higher for men; but women have lower risk in their trajectories.","PeriodicalId":43766,"journal":{"name":"Estudios De Economia","volume":"1 1","pages":"701-731"},"PeriodicalIF":0.4000,"publicationDate":"2016-09-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"2","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Estudios De Economia","FirstCategoryId":"96","ListUrlMain":"https://doi.org/10.1590/0101-416146373KVR","RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"ECONOMICS","Score":null,"Total":0}
引用次数: 2

Abstract

Microcredit programs have been expanding in many countries as an alternative to productive insertion of low-income microentrepreneurs. In most cases, programs have a bias in the allocation of loans for women, assuming a greater commitment to these payments, from your best position in the family and society. The objective of this work is to verify whether there is a path of growth for this type of client, and if it is differentiated by gender. In this way, it estimates growth equations for microenterprises of the Crediamigo Program for the period of 2005 to 2009. The equations are estimated by linear mixed effect models, as proposed by Rabe-Hesketh and Skrondal (2012). The results show that there is a growth path, but with diminishing returns. Additionally, average return rates are higher for men; but women have lower risk in their trajectories.
微型企业家的成长轨迹:crediamigo项目客户的性别差异
小额信贷项目在许多国家不断扩大,作为低收入微型企业家生产性插入的替代方案。在大多数情况下,项目在为妇女分配贷款时存在偏见,假设她们在家庭和社会中处于最佳地位,承担更大的责任。这项工作的目的是验证这类客户是否存在增长路径,以及是否存在性别差异。通过这种方式,它估算了2005年至2009年Crediamigo项目微型企业的增长方程。方程采用Rabe-Hesketh和Skrondal(2012)提出的线性混合效应模型进行估计。结果表明,存在增长路径,但收益递减。此外,男性的平均回报率更高;但女性的风险较低。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
求助全文
约1分钟内获得全文 求助全文
来源期刊
CiteScore
1.10
自引率
0.00%
发文量
4
审稿时长
12 weeks
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信