<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0301-7036</journal-id>
<journal-title><![CDATA[Problemas del desarrollo]]></journal-title>
<abbrev-journal-title><![CDATA[Prob. Des]]></abbrev-journal-title>
<issn>0301-7036</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Instituto de Investigaciones Económicas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0301-70362025000300059</article-id>
<article-id pub-id-type="doi">10.22201/iiec.20078951e.2025.222.70312</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Effect of cash transfer program on entrepreneurship and living conditions in Loja, Ecuador]]></article-title>
<article-title xml:lang="es"><![CDATA[Efecto del programa de transferencia de efectivo en el emprendimiento y las condiciones de vida en Loja, Ecuador]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ochoa]]></surname>
<given-names><![CDATA[Johana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Morocho]]></surname>
<given-names><![CDATA[Diana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Granda]]></surname>
<given-names><![CDATA[Julio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Peláez]]></surname>
<given-names><![CDATA[Lenin]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional de Loja  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>09</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>09</month>
<year>2025</year>
</pub-date>
<volume>56</volume>
<numero>222</numero>
<fpage>59</fpage>
<lpage>84</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0301-70362025000300059&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0301-70362025000300059&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0301-70362025000300059&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This study analyzes the effect of the Crédito de Desarrollo Humano (CDH) program on entrepreneurship and living conditions among the beneficiaries of the Bono de Desarrollo Humano (BDH), which is aimed at reducing the poverty rate and promoting the development of human capital. A Propensity Score Matching approach was used to estimate the causal effect of this program. The results show that CDH reci pients are more likely to be self-employed through entrepreneurship and have better living conditions. However, a negative effect on housing quality was observed. These results can provide public agencies with toOLS to adjust their selection procedures.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este estudio analiza el efecto del programa Crédito de Desarrollo Humano (CDH) sobre el emprendimiento y las condiciones de vida de los beneficiarios del Bono de Desarrollo Humano (BDH), cuyo objetivo es reducir la tasa de pobreza y promover el desarrollo del capital humano. Se utilizó un enfoque de Propensity Score Matching para estimar el efecto causal de este programa. Los resultados muestran que los beneficiarios del BDH tienen más probabilidades de trabajar por cuenta propia a través del emprendimiento y gozan de mejores condiciones de vida. Sin embargo, se observó un efecto negativo en la calidad de la vivienda. Estos resultados pueden proporcionar a los organismos públicos herramientas para ajustar sus procedimientos de selección.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Public policy]]></kwd>
<kwd lng="en"><![CDATA[entrepreneurship]]></kwd>
<kwd lng="en"><![CDATA[quality of life]]></kwd>
<kwd lng="en"><![CDATA[public expenditure]]></kwd>
<kwd lng="es"><![CDATA[políticas públicas]]></kwd>
<kwd lng="es"><![CDATA[emprendimiento]]></kwd>
<kwd lng="es"><![CDATA[calidad de vida]]></kwd>
<kwd lng="es"><![CDATA[gasto público]]></kwd>
</kwd-group>
</article-meta>
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