Evaluation and measurement of the quality management of rural banks Scope and sustainability
This article highlights the benefit and proper functioning of the microfinance program called Rural Banks. Besides a comparative study to observe the strengths and weakness they have, we build (the model “Evaluation and Measurement of the Quality Management of Rural Banks” (EMCGCR). The preliminary...
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Universidad Santo Tomás
2013
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ir-11634-77212019-01-22T15:17:31Z Evaluation and measurement of the quality management of rural banks Scope and sustainability Evaluación y medición de la calidad de gestión en las cajas rurales Alcance y sustentabilidad Hernández, Martha Colmenares Lacruz, Gerardo A. Rural Banks; Scope and sustainability; Micro credits; Multivariate analysis; Neural networks. Cajas rurales; Alcance y sustentabilidad; Microcréditos; Análisis multivariante; Redes neuronales. This article highlights the benefit and proper functioning of the microfinance program called Rural Banks. Besides a comparative study to observe the strengths and weakness they have, we build (the model “Evaluation and Measurement of the Quality Management of Rural Banks” (EMCGCR). The preliminary assessment indicates that rural banks are sustainable microfinance organizations in rural areas. The results have collapsed the myth: “poor do not pay”; these organizations reported very low default rates. Multivariate analysis and artificial intelligence were used as alternate analysis techniques to reinforce this conclusion. It was proved that rural banks are efficient and, furthermore, it was found that both techniques allow classifying the sustainability level of the analyzed rural banks with a high level of performance. El presente artículo destaca el beneficio y buen funcionamiento del programa microfi- nanciero denominado Cajas Rurales. Además de un estudio comparativo, para observar las fortalezas y debilidades que ellas presentan, se desarrolla la construcción del modelo “Evaluación y medición de la calidad de gestión de las Cajas Rurales” (EMCGCR). El diagnóstico preliminar indica que las cajas son una organización microfinanciera sus- tentable en los sectores rurales. Los resultados han desmoronado el mito: “los pobres no pagan”; reportan tasas de morosidad muy bajas. Para reforzar cuantitativamente esta conclusión se emplearon alternativamente técnicas de análisis multivariante y de inte- ligencia artificial. Se comprobó la eficiencia de las cajas y además, que ambas técnicas permitieron clasificar con alto desempeño la sustentabilidad de las cajas estudiadas. 2013-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion https://revistas.usantotomas.edu.co/index.php/cife/article/view/1419 10.15332/s2248-4914.2013.0022.05 spa https://revistas.usantotomas.edu.co/index.php/cife/article/view/1419/1613 application/pdf Universidad Santo Tomás Revista CIFE: Lecturas de Economía Social; Vol. 15, Núm. 22 (2013); 109-140 22484914 01243551 Revista CIFE: Lecturas de Economía Social; Vol. 15, Núm. 22 (2013); 109-140 |
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Universidad Santo Tomas |
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DSpace |
| language |
Español (Spanish) |
| topic |
Rural Banks; Scope and sustainability; Micro credits; Multivariate analysis; Neural networks. Cajas rurales; Alcance y sustentabilidad; Microcréditos; Análisis multivariante; Redes neuronales. |
| spellingShingle |
Rural Banks; Scope and sustainability; Micro credits; Multivariate analysis; Neural networks. Cajas rurales; Alcance y sustentabilidad; Microcréditos; Análisis multivariante; Redes neuronales. Hernández, Martha Colmenares Lacruz, Gerardo A. Evaluation and measurement of the quality management of rural banks Scope and sustainability |
| description |
This article highlights the benefit and proper functioning of the microfinance program called Rural Banks. Besides a comparative study to observe the strengths and weakness they have, we build (the model “Evaluation and Measurement of the Quality Management of Rural Banks” (EMCGCR). The preliminary assessment indicates that rural banks are sustainable microfinance organizations in rural areas. The results have collapsed the myth: “poor do not pay”; these organizations reported very low default rates. Multivariate analysis and artificial intelligence were used as alternate analysis techniques to reinforce this conclusion. It was proved that rural banks are efficient and, furthermore, it was found that both techniques allow classifying the sustainability level of the analyzed rural banks with a high level of performance. |
| format |
Artículo (Article) |
| author |
Hernández, Martha Colmenares Lacruz, Gerardo A. |
| author_facet |
Hernández, Martha Colmenares Lacruz, Gerardo A. |
| author_sort |
Hernández, Martha |
| title |
Evaluation and measurement of the quality management of rural banks Scope and sustainability |
| title_short |
Evaluation and measurement of the quality management of rural banks Scope and sustainability |
| title_full |
Evaluation and measurement of the quality management of rural banks Scope and sustainability |
| title_fullStr |
Evaluation and measurement of the quality management of rural banks Scope and sustainability |
| title_full_unstemmed |
Evaluation and measurement of the quality management of rural banks Scope and sustainability |
| title_sort |
evaluation and measurement of the quality management of rural banks scope and sustainability |
| publisher |
Universidad Santo Tomás |
| publishDate |
2013 |
| _version_ |
1712106300609921024 |
| score |
12,131701 |