Pasar al contenido principal
Nueva Institución Financiera Especializada en Granjas Pequeñas y PYMES
El objetivo general del proyecto es ampliar la cobertura del sistema financiero mexicano a granjas pequeñas y pequeñas y medianas empresas (PYME). Los objetivos específicos son i) proporcionar financiamiento mediante préstamos de capital y de instrumentos de deuda subordinados a una nueva intermediaria financiera
especializada en PYME, ayudando con ello a cumplir las metas de la Declaración de Nuevo León, y ii) probar nuevas formas de abordar los problemas de financiamiento, costos de transacción y minimización de riesgos que limitan la concesión de préstamos a granjas pequeñas y PYME.

Detalle del Proyecto

País

México

Número de Proyecto

ME-Q0012

Fecha de aprobación

Agosto 3, 2005

Etapa del Proyecto

Cancelado

Tipo de Proyecto

Inversión de Capital.

Sector

-

Subsector

-

Instrumento de préstamo

Instrumento del Fondo Multilateral de Inversiones

Código del instrumento de préstamo

MIF

Modalidad

-

Tipo de establecimiento

-

Categoría de Impacto Ambiental y Social

-

Costo Total

USD 2,500,000.00

Financiamiento de Contrapartida del País

USD 0.00

Cantidad

USD 2,500,000.00

Información Financiera
Número de Operación Tipo de préstamo Moneda de Referencia Fecha del informe Fecha de Firma del Contrato Fondo Instrumento Financiero
EQU/MS-9329-ME NSG USD - Dólar americano MIF-Small Enterprise Investment Fund Financiamiento de Capital
Número de Operación EQU/MS-9329-ME
  • Tipo de préstamo: NSG
  • Moneda de Referencia: USD - Dólar americano
  • Fecha del informe:
  • Fecha de Firma del Contrato:
  • Fondo: MIF-Small Enterprise Investment Fund
  • Instrumento Financiero: Financiamiento de Capital
Publications
Published 2024
Taxation when Markets are not Competitive: Evidence from a Loan Tax
We study the interaction of market structure and tax-and-subsidy strategies utilizing pass-through estimates from the unexpected introduction of a loan tax in Ecuador, a quantitative model, and a comprehensive commercial-loan dataset. Our model generalizes bank competition theories, including Bertrand-Nash competition, credit rationing, and joint-maximization. While we find the loan tax is distortionary, neglecting the possibility of non-competitive lending inflates estimated tax deadweight loss by 80% because non-competitive banks internalize some of the burden. Conversely, subsidies are less effective in non-competitive settings. If competition were stronger, tax revenue would be 10% lower. The findings suggest that policymakers should consider market structure in tax-and-subsidy strategies.
Publications
Published 2024
The Promises of Digital Bank Accounts for Low-income Individuals
The push for adopting digital modes of payment rests on three promises: increased efficiency of transactions, increased financial inclusion, and improvements in the financial well-being of low-income individuals. We experimentally test the extent to which these promises are fulfilled. We exploit the random assignment into an intervention to encourage direct deposits of recurrent government benefits into digital bank accounts in Colombia. Switching from cash to direct deposits reduces disbursement errors and increases access to benefits among eligible beneficiaries. It also increases the ownership of bank accounts, the demand for formal loans, and loan take-up among individuals without a financial history. However, we do not find evidence of improvements in financial well-being across any of our metrics.
Publications
Published 2023
MICI Reflections: Access to Remedy and Dispute Resolution: Contributions to the Conversation Based on MICI's Experience
The notion of remedy has gained importance and become a central issue on the international development agenda, despite accountability mechanisms and financial institutions have been subject to continued criticism in terms of their ability to provide effective remedy for communities claiming to be affected by development projects. This note aims to explore the role of alternative dispute resolution in access to remedy, and to specifically examine the contributions that MICIs Consultation Phase has made in providing solutions to communities that believe they have been adversely affected by IDB Group-financed development projects between 2017 and 2022.
Blogs
Published 2023
The “Tiendita” and the Survival of Microenterprises Amid Competition from Large Firms
With its bountiful assortments of everything from tomatoes and milk to cigarettes and dog food, the little grocery store or “tiendita” is as ubiquitous and cherished as the bakeries, small liquor stores, and tacos stands that dot nearly every neighborhood in Mexico’s cities. But over the last 20 years, tienditas have faced significant competition from
Blogs
Published 2023
Cómo aliviar la crisis de crédito para las pequeñas y medianas empresas
Las pequeñas y medianas empresas (pymes) constituyen la inmensa mayoría de las empresas formales, y contribuyen con cerca del 50% del empleo formal en el país promedio en América Latina y el Caribe, e incluso con cerca del 80% en algunos casos. Sin embargo, a pesar de su enorme importancia para la economía de la
Blogs
Published 2023
Easing the Credit Crunch on Small and Medium-Sized Enterprises
Small and medium-sized enterprises (SMEs) comprise the overwhelming majority of formal businesses and create around half of formal employment for the average country in Latin America and the Caribbean, with that percentage rising to 80% in some cases. Yet, despite their immense importance to the economy of the region, these firms consistently struggle to get
Publications
Published 2020
Sound Banks for Healthy Economies: Challenges for Policymakers in Latin America and the Caribbean in Times of Coronavirus
The COVID-19 crisis has exacted a high human and economic toll in Latin America and the Caribbean. Given deep recessions, financial systems are likely to come under considerable strain, and it is not yet certain how long the health crisis will last and how quickly and soon economies will recover. Unlike recent balance of payments or financial crises, this may be a slow-developing event in which credit risks are the main issue. Having good policies in place will be crucial to navigate the coming months and maintain financial stability. This report identifies and analyzes the challenges and develops key recommendations to help policymakers across the region make the necessary decisions to ensure that banks play a constructive role in the recovery.
Publications
Published 2023
President's Report 2023
IDB Report of the President 2023.
Blogs
Published 2023
A New Miracle? The Promises of Digitalization and Financial Inclusion in Latin America
Latin America and the Caribbean has made a big leap towards using digital technologies to expand financial inclusion, and there are reasons to be hopeful: Several initiatives in the region have expanded the supply of innovative digital financial products which, in theory, should untap inclusive growth by enabling millions of micro and small firms and
Blogs
Published 2023
Leveraging Foreign Remittances for Financial Inclusion
Personal financial transfers made by foreign migrants – known as remittances – are common for countries with high levels of economic migration. Yet, in many cases the transfers occur outside the banking system. This keeps remittance recipients from accessing safe financial services, such as savings, credit, or insurance, that improve their economic condition. Mexico is
Powered by FindIT
Jump back to top