Vision Panoramica De Los Programas Privados De Apoyo A La Microempresa En Costa Rica

This paper describes private voluntary organizations (PVOs) that work with microenterprises in Costa Rica and their credit programs. PYO credit programs multiplied in the 1980s, after many small borrowers were excluded from access to bank credit during the crisis in 1981-82. There is much heterogeneity of microenterprise programs, a variety welcomed by the authors. The existing limitations on deposit mobilization are an unfortunate dimension of the Costa Rican legal framework

Las Juntas Rurales de Credito en Costa Rica

This paper examines the recent evolution of the Juntas Rurales of the Banco Nacional de Costa Rica, at one time a very successful network of rural bank branches. The nature and causes of the recent contraction of their activities are explored in detail, including changes in the macroeconomic environment and in financial policies as well as the restructuring of the Banco Nacional. The determinants of their earlier success are identified and present policies and procedures are evaluated in contrast with those that contributed to that success. The elements of a new program of financial services for small entrepreneurs are outlined. This program would replicate some of the features of the earlier system, adapted to the new environment. A specific plan of action is suggested