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Revista Mexicana de Agronegocios >
Volume 26, January-June 2010 >
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| Title: | RESULTADOS DE LA DICTAMINACIÓN DE 213 PROYECTOS CREDITICIOS DE GANADERÍA DE CARNE |
| Other Titles: | Results of the report on 213 livestock credit projects |
| Authors: | Trueta Santiago, Rafael
Lecumberri Lopez, Jorge |
| Authors (Email): | Trueta Santiago, Rafael (trueta@servidor.unam.mx)
Lecumberri Lopez, Jorge (jorgelec@yahoo.com) |
| Keywords: | Credit
livestock projects
project quality. |
| Issue Date: | 2010-03-24 |
| Series/Report no.: | Año XIV
Vol. 26 |
| Abstract: | Credit is a fundamental input for production. One of its major limitations is default payments.
Quality of credit portfolios is directly linked to the quality of the projects that are used to
generate them. This study assesses the quality of a non probabilistic sample of 213 livestock
projects to which credit was granted by a financial institution in 3 consecutive years. Between
15-20 projects where obtained in each of the 12 regional branches covering the national
territory. Fifteen different types of deficiencies where found. The most frequent deficiencies
found were: the use of nominal interest rates, (100%), omission to include production costs
(44%) including incomes from other activities (43%), and high calving rates (25%). The
number of deficiencies per type of project was of 5.5 in the case of enterprises dealing with
double purpose production (beef-milk); 6.3 for cow-calf production, and 6.5 for pasture
fattening. Results were highly significant for the deficiencies by branches and significant for
type of project. No statistical differences were found in relation to the year of preparation.
There are statistical differences (P< 0.05) in deficiencies found between double purpose and
cow-calf projects as well as between double purpose and pasture fattening. The exaggerated
frequency of deficiencies, together with the fact that they were not detected by regular
institutional supervision mechanisms, shows an obvious failure of these mechanisms but more
over, it shows the possibility that these deficiencies are considered by the institution as
“accepted problems” or “understood values”, since there are other priorities regarding credit
policies such as use of nominal interests rates, short amortization periods, etc. |
| URI: | http://purl.umn.edu/56556 |
| Identifiers: | ISSN – 1405 – 9282 |
| Institution/Association: | Revista Mexicana de Agronegocios>Volume 26, January-June 2010 |
| Total Pages: | 10 |
| From Page: | 252 |
| To Page: | 261 |
| Collections: | Volume 26, January-June 2010
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| Art. Trueta Rev | | 69Kb | PDF | View/Open |
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