{"title":"MFIs’ programmes in support of microenterprises in Mexico: a comparative analysis with commercial banking","authors":"Malena Portal, Duniesky Feitó, Martin Arturo","doi":"10.3362/1755-1986.20-00010","DOIUrl":null,"url":null,"abstract":"Microfinance institutions (MFIs) constitute a support mechanism for microenterprises in Mexico by designing programmes that are accessible to this type of business. This article makes a comparative analysis of the financing programmes granted by MFIs and commercial banking and in turn, determines the impact of these supports on the results of the microenterprises. By applying non-parametric statistics, the results reveal that MFIs offer loans with smaller amounts, shorter terms, periodic payments, and higher interest rates compared with commercial banking products. Also, it was found that microenterprises that obtained financing from MFIs achieved lower profits than those that acquired resources from commercial banking.","PeriodicalId":39025,"journal":{"name":"Enterprise Development and Microfinance","volume":"1 1","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2020-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Enterprise Development and Microfinance","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.3362/1755-1986.20-00010","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"Social Sciences","Score":null,"Total":0}
引用次数: 0
Abstract
Microfinance institutions (MFIs) constitute a support mechanism for microenterprises in Mexico by designing programmes that are accessible to this type of business. This article makes a comparative analysis of the financing programmes granted by MFIs and commercial banking and in turn, determines the impact of these supports on the results of the microenterprises. By applying non-parametric statistics, the results reveal that MFIs offer loans with smaller amounts, shorter terms, periodic payments, and higher interest rates compared with commercial banking products. Also, it was found that microenterprises that obtained financing from MFIs achieved lower profits than those that acquired resources from commercial banking.
期刊介绍：
EDM encourages critical thinking on how market systems can be more inclusive and sustainable, with concrete implications for designing, implementing, and evaluating business support programmes. EDM is essential reading for practitioners, researchers, donors, policymakers, and finance specialists engaged in market-related activities involving poor people in the global South. The coverage includes but is not restricted to: • Financial inclusion (inclusive financial services and products) • Emerging financing models (impact investment, responsible finance, social lending) • Value chain analysis and development • Inclusive business models • Equity (gender, youth, marginalized) in access to financial services and value chains • Political and regulatory framework for SME development and financial services • ICT for business development and financial services • Sustainability standards • Advisory services for SMEs • Impact assessment.
京公网安备 11010802042870号
京ICP备2023020795号-1
分享
求助内容：
应助结果提醒方式：
扫码关注我们
