Concepto | 1999 | 2000 | 2001 | 2002 | 2003 |
Crecimiento PIB real. (1994=100)
| 7.0% | 4.2% | 3.0% | 1.00% | 2.3% |
| 758.3 | 779.1 | 771.7 | 750.0 | 754.2 |
Crecimiento PIB per-cápita (%)
| 1.9% | 2.7% | -1.0% | -2.8% | 0.6% |
Tasa de Desempleo (% de la PEA)
| 10.7% | 9.8% | 10.7% | n.d. | n.d. |
| 7.2% | 9.9% | 4.8% | 3.9% | 6.5% |
Devaluación Anual (crecimiento %)
| 10.0% | 6.0% | 6.0% | 6.0% | 6.0% |
Tipo de Cambio Promedio (C$xUS$)
| 11.8091 | 12.6844 | 13.4438 | 14.2513 | 15.1064 |
Tipo de Cambio al Fin de Período(Dic)
| 12.3183 | 13.0573 | 13.8408 | 14.6712 | 15.5515 |
Exportaciones FOB (millones US$)
| 546.1 | 642.8 | 605.0 | 561.0 | 604.5 |
Importaciones FOB (millones US$)
| 1,698.10 | 1,653.10 | 1,620.40 | 1,617.60 | 1,720.3 |
Déficit Comercial (% del PIB)
| 29.1% | 23.4% | 23.2% | 21.7% | 20.8% |
Reservas Internacionales Brutas (millón US$)
| 512.9 | 496.7 | 382.2 | 454.2 | 504.2 |
Deuda Externa (millones US$)
| 6,548.9 | 6,659.9 | 6,374.2 | 6,362.6 | 6,596.4 |
Concepto | Dic. 2000 | Dic. 2001 | Dic. 2002 | Dic. 2003 |
 | No. Cli | Monto | No. Cli | MontoNo. CliMontoNo. CliMonto |
Montos miles U$ |  |  |  |  |
Personales | 134,089 | 226,917.3 | 236,713 | 213,301.0344,906219,610.7432,828271,249.5 |
Comerciales | 7,482 | 227,641.6 | 7,265 | 187,742.09,718208,574.511,009250,247.2 |
Agrícola | 8,640 | 168,234.1 | 6,366 | 114,534.75,217131,952.14,455140,118.0 |
Ganadero | 870 | 22,045.1 | 706 | 14,720.185316,415.597918,664.2 |
Industriales | 1,312 | 116,048.0 | 771 | 82,546.51,31285,733.82,159109,610.6 |
Hipotecarios | 1,292 | 51,218.3 | 1,463 | 58,184.11,92069,321.02,66496,306.3 |
Otros | 7,583 | 37,669.1 | 5,570 | 24,988.047821,977.136540,913.9 |
Total | 161,268 | 849,773.6 | 258,854 | 696,016.4364,404753,584.6454,459927,109.7 |
Concepto | Dic. 2000 | Dic. 2001 | Dic. 2002 | Dic. 2003 |
 | No. Cli | Monto | No. Cli | MontoNo. CliMontoNo. CliMonto |
Montos miles U$ |  |  |  |  |
Personales | 134,089 | 226,917.3 | 236,713 | 213,301.0344,906219,610.7432,828271,249.5 |
Comerciales | 7,482 | 227,641.6 | 7,265 | 187,742.09,718208,574.511,009250,247.2 |
Agrícola | 8,640 | 168,234.1 | 6,366 | 114,534.75,217131,952.14,455140,118.0 |
Ganadero | 870 | 22,045.1 | 706 | 14,720.185316,415.597918,664.2 |
Industriales | 1,312 | 116,048.0 | 771 | 82,546.51,31285,733.82,159109,610.6 |
Hipotecarios | 1,292 | 51,218.3 | 1,463 | 58,184.11,92069,321.02,66496,306.3 |
Otros | 7,583 | 37,669.1 | 5,570 | 24,988.047821,977.136540,913.9 |
Total | 161,268 | 849,773.6 | 258,854 | 696,016.4364,404753,584.6454,459927,109.7 |
Subtot Agropec. | 9,510 | 190,279.2 | 7,072 | 129,254.86,070148,367.55,434158,782.2 |
Concepto | Dic. 2000 | Dic. 2001 | Dic. 2002 | Dic. 2003 |
 | No. Cli | Monto | No. Cli | MontoNo. CliMontoNo. CliMonto |
Participación (%) |  |  |  |  |
Personales | 83.15% | 26.70% | 91.45% | 30.65%94.65%29.14%95.24%29.26% |
Comerciales | 4.64% | 26.79% | 2.81% | 26.97%2.67%27.68%2.42%26.99% |
Agrícola | 5.36% | 19.80% | 2.46% | 16.46%1.43%17.51%0.98%15.11% |
Ganadero | 0.54% | 2.59% | 0.27% | 2.11%0.23%2.18%0.22%2.01% |
Industriales | 0.81% | 13.66% | 0.30% | 11.86%0.36%11.38%0.48%11.82% |
Hipotecarios | 0.80% | 6.03% | 0.57% | 8.36%0.53%9.20%0.59%10.39% |
Otros | 4.70% | 4.43% | 2.15% | 3.59%0.13%2.92%0.08%4.41% |
Total | 100.00% | 100.00% | 100.00% | 100.00%100.00%100.00%100.00%100.00% |
Subtot Agropec. | 5.90% | 22.39% | 2.73% | 18.57%1.67%19.69%1.2%17.13% |
 |  |  |  |  |
Variación % |  |  |  |  |
Personales |  |  | 76.53% | -6.00%45.71%2.96%25.49%23.51% |
Comerciales |  |  | -2.90% | -17.53%33.76%11.10%13.28%19.98% |
Agrícola |  |  | -26.32% | -31.92%-18.05%15.21%-14.61%6.19% |
Ganadero |  |  | -18.85% | -33.23%20.82%11.52%14.77%13.70% |
Industriales |  |  | -41.23% | -28.87%70.17%3.86%64.56%27.85% |
Hipotecarios |  |  | 13.24% | 13.60%31.24%19.14%38.75%38.93% |
Otros |  |  | -26.55% | -33.66%-91.42%-12.05%-23.64%86.17% |
Total |  |  | 60.51% | -18.09%40.78%8.27%24.71%23.03% |
Subtot Agropec. |  |  | -25.64% | -32.07%-14.17%14.79%-10.48%7.02% |
Concepto | 2000 | 2001 | 2002 | 2003 |
Cifras | No. Clientes | Monto | No. Clientes | MontoNo. ClientesMontoNo. ClientesMonto |
Hasta 6 meses | 12,102 | 131,975 | 11,459 | 110,18620,55763,05630,21072,895 |
Entre 6 a 12 meses | 10,315 | 121,183 | 10,393 | 67,35815,57888,92218,09081,012 |
Entre 12 a 18 meses | 107,779 | 122,399.83 | 101,496 | 110,160.869,32457,110.8180,428141,132.8 |
Mayor a 18 meses | 31,072 | 474,215.77 | 135,506 | 408,311.5258,945544,496.4225,731632,070.6 |
TOTAL | 161,268 | 849,773.59 | 258,854 | 696,016.4364,404753,584.8454,459927,110.2 |
Mayor a 12 meses | 138,851 | 596,615.60 | 237,002 | 518,472.3328,269601,607.1406,159773,203.4 |
DISTRIBUCION PORCENTUAL |  |  |  | |
Concepto | 2000 | 2001 | 2002 | 2003 |
| No. Clientes | Monto | No. Clientes | MontoNo. ClientesMontoNo. ClientesMonto |
Hasta 6 meses | 7.50% | 15.53% | 4.43% | 15.83%5.64%8.37%6.65%7.86% |
Entre 6 a 12 meses | 6.40% | 14.26% | 4.02% | 9.68%4.27%11.80%3.98%8.74% |
Entre 12 a 18 meses | 66.83% | 14.40% | 39.21% | 15.83%19.02%7.58%39.70%15.22% |
Mayor a 18 meses | 19.27% | 55.80% | 52.35% | 58.66%71.06%72.25%49.67%68.18% |
TOTAL | 100.00% | 100.00% | 100.00% | 100.00%100.00%100.00%100.00%100.00% |
Mayor a 12 meses | 86.10% | 70.21% | 91.56% | 74.49%90.08%79.83%89.37%83.40% |
Cuadro 34 |  |  |  |  |
Tasas de Interés de la Cadena de Intermediación de Crédito a las PYMES |  |  |  |  |
Institución/Programa | Tasa para Gob/ | Costo del | Tasa | Tasa al |
MAG-FOR | Instit Ejecutora | Banco | a la IMFs | Usuario |
Programa FONDEAGRO (*) | | | | |
IDR | Donación | No hay 2do piso | 0.08 | 0.21 |
PRA-DC II | | | | |
PRODESEC (**) | Donación | No hay 2do piso | 7.00% | 12.00% |
PROSESUR | 1% | Comisión | 5.00% | libre |
FONDECA LAS SEGOVIAS | 1.50% | Comisión | 9.00% | libre |
DECOPANN (del Banco a coops o asociaciones) | 1.50% | Comisión | 5.00% | libre |
Si el Banco coloca directo a Coops o Asociac. | Donación | Comisión | | |
Si el Banco coloca a través de IMFs | | | 9.00% | libre |
PRONORCEN | | | 7.00% | libre |
ZONA NORTE | Donación | Comisión | 8.00% | libre |
PDL | Donación | Comisión | 8.00% | libre |
Corto Plazo | Donación | | No hay IMF | |
Largo Plazo | | | | 14.00% |
FNI | | | | 10.00% |
Proyecto Riego FNI/Bancos | | | | |
FNI con Bancos (Banco a Productor grande) | | | | |
FNI con FCR (FCR canaliza a IMFs) | 3.50% | 5.20% | No hay IMF | 11.00% |
Programa PYMES-Taiwan | 3.50% | 4.00% | 7.00% | 11.50% |
Programa Reestructurac. Saldos Insolutos Café | 3.50% | 5.50% | | 11.50% |
FNI con Bancos | | | | |
FNI con FCR - 8 años. | 3.50% | 7.10% | No hay IMF | 11.10% |
FNI con FCR - 20 años | 3.50% | 4.00% | 7.00% | 9.00% |
Proyecto Global Multisectorial BID (***) | 3.50% | | Comisión | 0.00% |
FCR | 2.00% | 4.50% | libre | libre |
Prog. Diversific. Productiva Exportable | | | | |
INPYME | 3.70% | | | libre |
Fondetec | | | | |
Fomicro | Donación | Comisión | 11.00% | libre |
PASA-DANIDA | Donación | Comisión | 6.00% | libre |
Programa de Corto Plazo a Coops y Asoc. | | | | |
Programa Crédito a Coops p/ Inversión en Coop . | | Comisión | 8% | libre |
BCIE | | Comisión | No hay IMF | 6.00% |
Programa para financiamiento a IMFs | | | 4.00% | libre |
Fuente: Elaboración propia con datos obtenidos de cada una de las instituciones y/o del Sistema Nacional de Inversión Pública (SNIP). | | |  |  |