<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0120-3592</journal-id>
<journal-title><![CDATA[Cuadernos de Administración]]></journal-title>
<abbrev-journal-title><![CDATA[Cuad. Adm.]]></abbrev-journal-title>
<issn>0120-3592</issn>
<publisher>
<publisher-name><![CDATA[Pontificia Universidad Javeriana]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-35922016000100199</article-id>
<article-id pub-id-type="doi">10.11144/Javeriana.cao29-52.cddp</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Determinantes de la demanda potencial de microcrédito en Argentina]]></article-title>
<article-title xml:lang="en"><![CDATA[Determinants of the potential demand for microcredit in Argentina]]></article-title>
<article-title xml:lang="pt"><![CDATA[Determinantes da demanda potencial de microcrédito na Argentina]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Carballo]]></surname>
<given-names><![CDATA[Ignacio E.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Grandes]]></surname>
<given-names><![CDATA[Martin]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Molouny]]></surname>
<given-names><![CDATA[Luis]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Pontificia Universidad Católica Argentina  ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Metropolitana por la Educación y el Trabajo  ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Católica Argentina  ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2016</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2016</year>
</pub-date>
<volume>29</volume>
<numero>52</numero>
<fpage>199</fpage>
<lpage>228</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-35922016000100199&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-35922016000100199&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-35922016000100199&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este artículo identifica los determinantes socio-económicos y demográficos de la demanda potencial de microcréditos en Argentina utilizando técnicas de estimación tipo Logit con base en una encuesta aleatoria, estratificada y no proporcional realizada sobre 5.700 hogares en 20 sectores urbanos. Se corren dos regresiones, una para la demanda de microcréditos con fines productivos y otra para la demanda de microcréditos para mejorar o ampliar la vivienda. Se encuentra que el tipo de empleo, la informalidad laboral, la edad, el estado civil y la reincidencia en el endeudamiento son los determinantes de la probabilidad de solicitar un microcrédito para ambos fines. Futuras investigaciones podrían réplica esta metodología para distintos periodos del tiempo con el objeto de brindar robustez a nuestros resultados.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract 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.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo Este artigo identifica os determinantes socioeconómicos e demográficos da demanda potencial de microcréditos na Argentina utilizando técnicas de estimativa tipo Logit com base numa pesquisa aleatória, estratificada e não proporcional realizada sobre 5.700 lares em 20 setores urbanos. Realizam-se duas regressões, uma para a demanda de microcréditos com fins produtivos e outra para a demanda de microcréditos para melhorar ou ampliar a moradia. Constatou-se que o tipo de emprego, a informalidade trabalhista, a idade, o estado civil e a reincidência no endividamento são os determinantes da probabilidade de solicitar um microcrédito para ambos os fins. Futuras pesquisas poderiam replicar esta metodologia para diferentes períodos do tempo com o objetivo de dar força a nossos resultados.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[microfinanzas]]></kwd>
<kwd lng="es"><![CDATA[encuesta de la deuda social argentina]]></kwd>
<kwd lng="es"><![CDATA[determinantes de demanda de microcrédito]]></kwd>
<kwd lng="en"><![CDATA[microfinances]]></kwd>
<kwd lng="en"><![CDATA[survey of the Argentinian social debt]]></kwd>
<kwd lng="en"><![CDATA[determinants of the demand for microcredit]]></kwd>
<kwd lng="pt"><![CDATA[microfinanças]]></kwd>
<kwd lng="pt"><![CDATA[pesquisa da dívida social argentina]]></kwd>
<kwd lng="pt"><![CDATA[determinantes de demanda de microcrédito]]></kwd>
</kwd-group>
</article-meta>
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