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Determinantes de la demanda de microcrédito formal e informal en las principales plazas de mercado de la ciudad de Pasto, año 2021

Author

Listed:
  • Burgos Flórez, Marco Antonio

    (Universidad de Nariño)

  • Portillo Riascos, Luis Hernando

    (Universidad de Nariño)

  • Ortiz Benavides, Edinson

    (Universidad de Nariño)

Abstract

El propósito central del estudio es analizar los factores determinantes de la demanda de microcrédito formal e informal en las plazas de mercado de la ciudad de Pasto, año 2021. La investigación tiene un enfoque mixto, con un alcance, inicialmente, descriptivo y, luego, correlacional. Se aplicó una encuesta a una muestra representativa de 344 comerciantes de las cuatro plazas de mercado de la ciudad. Los resultados muestran que el 33% los comerciantes accedieron a microcrédito formal, el 33% a microcrédito informal y el 15% combinaron ambos microcréditos. Las variables determinantes en la demanda de microcrédito formal fueron ingresos, antigüedad, sexo, confianza en las instituciones financieras formales y el acceso a préstamos informales. En el modelo de demanda de préstamo informal se identificaron como factores explicativos, además del ingreso, la antigüedad y el sexo, el tener vivienda propia y acceder a microcrédito formal. Dentro de las conclusiones más relevantes que se obtuvieron a partir de esta investigación se destaca que el microcrédito formal y el informal son productos rivales, pero no excluyentes. Asimismo, las características y el destino que se le da a los recursos difieren entre microcréditos; el ingreso es una variable importante en el acceso al microcrédito formal y reduce la probabilidad del acceso al informal, al igual que la antigüedad del negocio y tener vivienda propia. Por otro lado, la propensión de las mujeres de adquirir financiamiento informal es mayor que la de los hombres.

Suggested Citation

  • Burgos Flórez, Marco Antonio & Portillo Riascos, Luis Hernando & Ortiz Benavides, Edinson, 2024. "Determinantes de la demanda de microcrédito formal e informal en las principales plazas de mercado de la ciudad de Pasto, año 2021," Revista Tendencias, Universidad de Narino, vol. 25(1), pages 79-108, January.
    • Handle: RePEc:col:000520:021059
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    References listed on IDEAS

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    More about this item

    Keywords

    crédito; deuda; financiación; informalidad; préstamo;
    All these keywords.

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • G10 - Financial Economics - - General Financial Markets - - - General (includes Measurement and Data)
    • M21 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics - - - Business Economics
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
    • P34 - Political Economy and Comparative Economic Systems - - Socialist Institutions and Their Transitions - - - Finance

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