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Inclusión financiera en Colombia. Evaluación de impacto del programa Grupos de Ahorro y Crédito Comunitario
Financial inclusion in Colombia. Impact evaluation of the Community Savings and Credit Groups Program
DOI:
https://doi.org/10.15446/cuad.econ.v41n87.92849Keywords:
ahorro, capital social, evaluación de impacto, grupos de autoayuda, grupos de ahorro, microfinanzas (es)Impact evaluation, microfinance, savings, savings groups, self-help groups, social capital (en)
salvando, capital social, avaliação de impacto, grupos de auto ajuda, grupos de poupança, microcrédito (pt)
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Este estudio evalúa los efectos del Programa Grupos de Ahorro y Crédito Comunitario en Colombia. Con metodología no experimental, se comparó la situación de familias participantes y no participantes, después de dieciocho meses de exposición al programa. Los resultados revelan mayor capacidad de acumular ahorros, reducción de la inseguridad alimentaria y mayor capacidad para enfrentar y mitigar choques inesperados en las familias participantes. También se encontró mayor participación en actividades comunitarias generadoras de ingresos y aumento en el nivel de confianza en las personas y distintas instituciones.
The study evaluates the impacts of the Village Savings and Loan Associations program, in Colombia. Using a non-experimental methodology, it compares the situation of families that participate and do not participate in the program 18 months after their exposure. Results show a greater capacity to accumulate savings, a decrease in food insecurity and a better capacity to face and mitigate unexpected shocks, among those families that participated in the program. It also finds an increase in community income-generating activities and an increased level of trust in people and a variety of institutions.
References
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1. Jhony Alexander Barrera Lievano, Sandra Miyey Parra Ramirez. (2024). Educación financiera y servicios de microcrédito en empresas de la ciudad de Bogotá – Colombia. Revista Venezolana de Gerencia, 29(105), p.239. https://doi.org/10.52080/rvgluz.29.105.16.
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