[1] ILADES Univ Alberto Hurtado, Fac Econ & Negocios, Santiago 8340539, Chile
[2] Univ Nacl Cordoba, Inst Econ & Finanzas, RA-5000 Cordoba, Argentina
[3] Univ Empresarial Siglo 21, Escuela Negocios, Cordoba, Argentina
[4] Country Dept Andean Grp, Inter Amer Dev Bank, La Paz, Bolivia