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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.v41n87.92849Palavras-chave:
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.
Referências
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CrossRef Cited-by
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.
2. Sarah Elven, Jorge Luis Castañeda Núñez, Samantha de Martino, Michelle Dugas, Sayan Kundu. (2025). Behavioral savings sessions increase the pursuit of solar products among refugees in Uganda. npj Climate Action, 4(1) https://doi.org/10.1038/s44168-025-00212-x.
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