Abstract

CARBALLO, Ignacio E.; GRANDES, Martin  and  MOLOUNY, Luis. Determinants of the potential demand for microcredit in Argentina. Cuad. Adm. [online]. 2016, vol.29, n.52, pp.199-228. ISSN 0120-3592.  https://doi.org/10.11144/Javeriana.cao29-52.cddp.

This paper identifies the socio-economic and demographic determinants of the potential demand for microcredits in Argentina using Logit type estimation techniques based on a random, stratified and non-proportional survey covering 5.700 households in 20 urban sectors. The paper runs two regressions, one for the demand for microcredit with productive purposes and another for the demand for microcredit to improve or enlarge housing. It is concluded that the type of employment, labor informality, age, marital status and debt reoccurrence are determinants of the probability to apply for a microcredit for both purposes. Future research could replicate this methodology for different time periods to strengthen our results.

Keywords : microfinances; survey of the Argentinian social debt; determinants of the demand for microcredit.

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